Search found 391 matches

by slbnoob
Thu Nov 24, 2016 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: I've been leaving money on the table (401k)
Replies: 19
Views: 3414

Re: I've been leaving money on the table (401k)

On the other hand, I contributed a little too soon for the year. Now I realized that since I'll have no more contributions for the rest of the year, I'm losing out on company match :oops:

I'm an idiot too !
by slbnoob
Mon Nov 14, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Should I change the job?
Replies: 22
Views: 1742

Re: Should I change the job?

At my MegaCorp, getting an A (outstanding) at the performance review is a big deal, with only a small percentage of the population getting it at any one time. The managers have to be ready to explain to their managers and HR why this employee should get this rating. At the end of the day, it gets co...
by slbnoob
Tue Nov 08, 2016 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Help in deciding between two Job offers
Replies: 13
Views: 1280

Re: Help in deciding between two Job offers

70k versus 55k
1 hour OW commute versus ... ?
Assuming the current commute is 20 minutes and given the other information, I think I may be tempted to stay if your current job offers 60k.
Did you ask if they are willing to go upto 60k?
by slbnoob
Thu Nov 03, 2016 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Bad deal [Rent vs. buy for co-op]
Replies: 38
Views: 2556

Re: Bad deal

That is one long sentence. And I'm not sure if it even ended. :?
by slbnoob
Thu Nov 03, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance - Appraisal Value is low - Do I continue to refinance?
Replies: 21
Views: 1479

Re: Refinance - Appraisal Value is low - Do I continue to refinance?

Sorry, yeah I don't know why I was letting the proposed loan balance confuse me. So I would need to bring $17,800 to the table to get to 20% equity and remove PMI. The cost of the Refi is about $2,300 in total which is paid out-of-pocket as of now. Is it suggested to roll the costs into the loan? W...
by slbnoob
Thu Nov 03, 2016 12:02 pm
Forum: Personal Consumer Issues
Topic: Can Garmin or Tom Tom GPS Navigator do this?
Replies: 24
Views: 1582

Re: Can Garmin or Tom Tom GPS Navigator do this?

I've felt the need to simulate trips previously especially while planning a trip in another country. I didn't get too far with this but I only tried it on a borrowed Garmin. As an aside, the reason I could try this on a Garmin is that Garmin allows using open source maps. I put various maps and con...
by slbnoob
Thu Nov 03, 2016 10:17 am
Forum: Personal Consumer Issues
Topic: Can Garmin or Tom Tom GPS Navigator do this?
Replies: 24
Views: 1582

Re: Can Garmin or Tom Tom GPS Navigator do this?

I've felt the need to simulate trips previously especially while planning a trip in another country. I didn't get too far with this but I only tried it on a borrowed Garmin. As an aside, the reason I could try this on a Garmin is that Garmin allows using open source maps. I put various maps and conf...
by slbnoob
Thu Nov 03, 2016 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Refinance - Appraisal Value is low - Do I continue to refinance?
Replies: 21
Views: 1479

Re: Refinance - Appraisal Value is low - Do I continue to refinance?

As the posts above say, you have a wrong notion of 'loan balance'. It is what it is 193,800. You are however almost correct in saying that if you bring 16,700 to the closing, you will eliminate PMI. In that case, you loan balance will become 193,800 - 16,700 = 177,100 which is 177,100/220,000 = 80.5...
by slbnoob
Tue Oct 25, 2016 9:52 am
Forum: Personal Consumer Issues
Topic: HSBC Bank- Easy (???) $350 bonus
Replies: 44
Views: 6053

Re: HSBC Bank- Easy (???) $350 bonus

How long does it take to receive the temporary password in the mail after getting the 3-4 emails (with temporary registration)? I got the emails last Friday. Funding money got debited out of my account on Monday. No mail yet.
by slbnoob
Tue Oct 25, 2016 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Easy $300 bonus- Key Bank
Replies: 23
Views: 3566

Re: Easy $300 bonus- Key Bank

4. Don't live in one of the "available states"? I don't , but it seemed to take my promo code for the bonus and let me open the account, so I think it will probably work. I'm hesitating to open because I'm not in the "available states". Not sure if the bonus will post. Are there...
by slbnoob
Fri Oct 21, 2016 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Cryptocurrencies: The Wild West of Investing
Replies: 12
Views: 1452

Re: Cryptocurrencies: The Wild West of Investing

bitcoin has been marred throughout its existence by a seemingly endless number of failures and/or scams that have cheated bitcoin owners out of large amounts of money. The bitcoin advocates have an answer for everything--the answer is always that people who lost money bought or stored their bitcoin...
by slbnoob
Tue Oct 18, 2016 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing After 1 Year
Replies: 39
Views: 2868

Re: Refinancing After 1 Year

I did a 0 cost, 25 year refi, 7 odd months onto a 30 year mortgage. 25 is also an option. ask your lender. now looking at 20 year, 1.5 years into the 25 year mortgage.
by slbnoob
Thu Oct 13, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: Bank promotion- PNC Bank
Replies: 10
Views: 1413

Re: Bank promotion- PNC Bank

On a separate note, I got a targeted offer from Regions Bank to open a lifegreen checking account and get $400. I shall oblige :)
by slbnoob
Wed Oct 12, 2016 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: AnnieMac Mortgage: any experience?
Replies: 3
Views: 310

Re: AnnieMac Mortgage: any experience?

The name is indeed misleading, but it is just another online lender. However a lender whose rates are in a different class than the others when they do advertise on zillow. I've been tracking the rates for a while, so this observation is over a few months. Mind you, they don't always show up on zill...
by slbnoob
Wed Oct 12, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Bank promotion- PNC Bank
Replies: 10
Views: 1413

Re: Two bank promotions- Citibank and PNC Bank

Have to go in branch. No PNC Bank here
by slbnoob
Tue Oct 11, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: AnnieMac Mortgage: any experience?
Replies: 3
Views: 310

AnnieMac Mortgage: any experience?

I've been tracking the interest rates for a while (for another refi). One name which keeps popping up on the top of the list (on Zillow) is AnnieMac Home Mortgage. Their rates are cheaper than the rest. I've read their reviews there and nothing stands out. Apart from that, there isn't much else to g...
by slbnoob
Tue Sep 20, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: How I circumvented Chase's 5/24 rule
Replies: 38
Views: 5684

Re: How I circumvented Chase's 5/24 rule

I'll share my DP. Walked into a branch. Asked for any pre-approval for credit cards. Ensured that the pre-approval was indeed 'true'. This meant making sure there was a fixed interest rate on the pre-approval, not a range. Then applied for the CSR. Got approved with 35k limit. This was after being r...
by slbnoob
Fri Sep 16, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Baby deals
Replies: 43
Views: 2706

Re: Baby deals

Any recommendations on re-usable or cloth diapers?
Diapers are a money pit and that's not even what I hate about them the most. Imagine so many babies' diapers filling up the landfills after so much resource was put into making them.
by slbnoob
Fri Sep 16, 2016 9:57 am
Forum: Investing - Theory, News & General
Topic: Nisiprius Investments Unveils New MDF Factor-Based Fund
Replies: 44
Views: 3210

Re: Nisiprius Investments Unveils New MDF Factor-Based Fund

'crack' research team inviting us to invest money? What can go wrong?
by slbnoob
Tue Sep 06, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 294735

Re: Mango prepaid card - 4.8% (effective) APY

Missing money in my account today. Thanks to those who called!
by slbnoob
Thu Sep 01, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 294735

Re: Mango prepaid card - 4.8% (effective) APY

Same here. 2% for August. I just called them. I was rapidly told it was a known issue and they are working on it, but that since I called they would escalate it and I should expect it to be corrected and receive a call back about it within 48 hours. BTW, once I entered my info and got through the m...
by slbnoob
Thu Sep 01, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 294735

Re: Mango prepaid card - 4.8% (effective) APY

Same here. 2% for August.
by slbnoob
Mon Aug 15, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base
Replies: 21
Views: 1905

Re: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base

My daughter, who is unmarried currently, is trying to decide between a 2016 Rav4 Hybrid (AWD) and a 2016 Honda Pilot (FWD). The cost is similar as the Pilot is the base model but the Toyota Hybrid is only offered in a higher trim line. The Pilot is roomier but the Hybrid offers a big savings in fue...
by slbnoob
Tue Aug 09, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: AliExpress.com?
Replies: 7
Views: 691

Re: AliExpress.com?

Bought various (small) items over the years. Prices can be hard to beat if you are prepared to wait for long shipping times. No complaint yet.
by slbnoob
Thu Aug 04, 2016 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I refinance w/ Aimloan?
Replies: 25
Views: 2034

Re: Should I refinance w/ Aimloan?

Thanks for the info. They currently offer a credit towards closing. The individual I spoke to mentioned that the only additional cost could be any HOA fees they may charge to sign off. It just sounded a bit too good to be true. Below was the semi generic quote I received... Guaranteed Origination C...
by slbnoob
Thu Aug 04, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: 30 yr fixed @ 3.75% to 15yr fixed @ ~2.8%: Advice on Refinancing
Replies: 27
Views: 2371

Re: 30 yr fixed @ 3.75% to 15yr fixed @ ~2.8%: Advice on Refinancing

2 years ago, I had a 30 yr at 4.25% after paying 0.125 in points (sunk cost). Last year, I refi'd to 25 yr at 3.75% with no closing costs. Currently looking at 20 yr at 3.375% with no closing costs. I shopped around but didn't get any better offer than this.
What would you do? :)
by slbnoob
Wed Aug 03, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: lab fees /w HSA
Replies: 7
Views: 567

Re: lab fees /w HSA

From what I can glean from the info provided here, it seems like you have a HDHP with an HSA. Then, you would have to meet the (high) deductible before anything starts getting covered. Typically, after the deductible is met, a percentage or fixed co-pay applies to subsequent services till the out of...
by slbnoob
Tue Aug 02, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 294735

Re: Mango prepaid card - 4.8% (effective) APY

As an alternative to closing out the card, how about simply leaving 5k in there and earning the 2% without any hassle? Seems like the 2% doesn't have any ACH requirements, right?
by slbnoob
Mon Aug 01, 2016 10:27 am
Forum: Personal Consumer Issues
Topic: 15 year 2.75% refinance mortgage
Replies: 34
Views: 3746

Re: 15 year 2.75% refinance mortgage

For my input, I do not see zero closing costs anywhere on NWFCU. I only see 0 points. Am I missing anything?
by slbnoob
Mon Aug 01, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: What does a real estate oil bust look like
Replies: 18
Views: 2125

Re: What does a real estate oil bust look like

I haven't done any analysis on the Real Estate data. But I'll give some anecdotal data about what I've observed around here (Katy). Home prices haven't dipped from last summer. At best, they're stabilizing, but still higher than last summer. There are more houses for rent though! Renting houses seem...
by slbnoob
Fri Jul 29, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Airbnb rental review
Replies: 32
Views: 3584

Re: Airbnb rental review

What you wrote here explained the situation to us. It would likely help out the next renter too.
If the host was nice and responsive, and did everything they could (as you said), I would modify your OP slightly to have a nicer, non-complaining, factual tone and post it.
by slbnoob
Wed Jul 27, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buying second home - how much $?
Replies: 6
Views: 493

Re: Buying second home - how much $?

+1 on stretching too thin. You're looking at a 2nd home of almost 6x your income. And you have already have a mortgage likely at least 2x your income.
by slbnoob
Wed Jul 27, 2016 1:06 pm
Forum: Investing - Theory, News & General
Topic: Mango - Cannot Get Money To Account
Replies: 5
Views: 476

Re: Mango - Cannot Get Money To Account

I am guessing that you are exceeding the daily ACH limits. Offhand I don't know where to get the latest documents, but there is a daily limit. Since 2400 failed, looks like 2500 is above the limit. I would try 1500 next.
by slbnoob
Thu Jul 21, 2016 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance through Costco ? Any experience ?
Replies: 6
Views: 1168

Re: Term Life Insurance through Costco ? Any experience ?

Personally, I think the Costco-Protective deal is a really good one, and last time I checked, the premium quotes were better than what I saw on the low-cost term life quote sites. Your post got me intrigued since I got the Protective 20 year term life a few months ago and am currently considering a...
by slbnoob
Wed Jul 20, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage broker prohibiting me from refinancing
Replies: 18
Views: 2321

Re: Mortgage broker prohibiting me from refinancing

I've asked my broker before about this sort of a scenario where what if I want to refi soon after a fi/refi. He basically said that there's nothing stopping me from doing that. However, the bank to whom your loan was sold to will be miffed. They might even charge back the 'closing costs' or at least...
by slbnoob
Tue Jul 19, 2016 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Penfed CC Rewards (hidden advantage if you like points to cash)
Replies: 8
Views: 1402

Re: Penfed CC Rewards (hidden advantage if you like points to cash)

As of today, even the search doesn't show up VISA! Sent an email asking them about it. Looks like my only other option is Amazon GC. I just redeemed points for a $100 Visa card. Just typed Visa in search box and it came right up. Francis After reading your post, I went back in again, searched, and ...
by slbnoob
Mon Jul 18, 2016 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed CC Rewards (hidden advantage if you like points to cash)
Replies: 8
Views: 1402

Re: Penfed CC Rewards (hidden advantage if you like points to cash)

As of today, even the search doesn't show up VISA!
Sent an email asking them about it. Looks like my only other option is Amazon GC.
by slbnoob
Mon Jul 18, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Risky job opportunity, or Microsoft at its start?
Replies: 32
Views: 2808

Re: Risky job opportunity, or Microsoft at its start?

Now that you've mentioned that the startup is about thorium MSRs, I'd just caution that this technology has been investigated for a while, more vigorously recently, particularly by governments (as many energy initiatives are). Obviously you'll know a lot more than what I've gleaned over the years fr...
by slbnoob
Fri Jul 15, 2016 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Risky job opportunity, or Microsoft at its start?
Replies: 32
Views: 2808

Re: Risky job opportunity, or Microsoft at its start?

I'll add to the observations made above. Be wary of the greed of hitting a jackpot. Go into it assuming that this will be another startup which will fail. Anything above that is a bonus. Hence, be prepared to 'leave' in a few years. I think the experience of working in a startup will do you well in ...
by slbnoob
Fri Jul 15, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Need help with infant fare issue with airline
Replies: 18
Views: 1571

Re: Need help with infant fare issue with airline

nova148 wrote:Thanks AlohaJoe. I went ahead and posted the same in FlyerTalk.

Could you post the link here or PM me (if not allowed to post)? I'd like to follow the discussion there.
by slbnoob
Wed Jul 13, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 294735

Re: Mango prepaid card - 4.8% (effective) APY

Are you positive that you have paid the $3 fee every month? A lot of accounts have stated that if there is a zero balance on the last day of the month, then there is no fee. Perhaps they have fixed that bug. Hmm ... didn't know about that. I do not seem to have any way of checking transactions olde...
by slbnoob
Wed Jul 13, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 294735

Re: Mango prepaid card - 4.8% (effective) APY

I noticed this morning that my Mango account has 3 consecutive 'Fee Retry' transactions of $3.00 each, for a total of $9.00. Usually, the fee is charged end of the month. So I have already been charged $3.00 end of last month. The 3 fee transactions are obviously in error. Just wanted to let everyon...
by slbnoob
Mon Jul 11, 2016 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Rates
Replies: 20
Views: 2269

Re: Refinance Rates

I am locked at 2.75% with a $2,000 credit on closing costs. They also offered 2.625% with $1,100 credit. I don't owe millions on my mortgage so opted to pocket the $900 difference and take the higher rate. My payment goes down like $8/month (pays for Netflix) and I'll save about $900 in interest a ...
by slbnoob
Fri Jul 01, 2016 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to make an easy $500 like I just did [Chase bank offer]
Replies: 60
Views: 8636

Re: How to make an easy $500 like I just did [Chase bank offer]

I'm also interested to know if an ACH push from Vanguard will qualify as DD. http://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Chase Yeah, well I'd already scoured that page and many links provided there before. Didn't see anything relevant with Vanguard and Cha...
by slbnoob
Fri Jul 01, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to make an easy $500 like I just did [Chase bank offer]
Replies: 60
Views: 8636

Re: How to make an easy $500 like I just did [Chase bank offer]

The link that the OP had linked to the offer which is for 'Total Checking'. At least that is what I printed out out after being prompted to log in.

From what I've read, I didn't see a minimum DD requirement. I'm also interested to know if an ACH push from Vanguard will qualify as DD.
by slbnoob
Fri Jul 01, 2016 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to make an easy $500 like I just did [Chase bank offer]
Replies: 60
Views: 8636

Re: How to make an easy $500 like I just did [Chase bank offer]

$300 offer is available online. https://www.chase.com/checking/offer/348121-offer-aff-p1.html?ID=0000018573&MSC=5788896&jp_cmp=rb/381455/aff/3_40/na&CODE=kLpbSSXjHhI-1BDdlIuQHlc_v_odpkI0WQ&MSC=kLpbSSXjHhI-1BDdlIuQHlc_v_odpkI0WQ Important to point out that this link is for "Prem...
by slbnoob
Fri Jul 01, 2016 9:40 am
Forum: Personal Finance (Not Investing)
Topic: No-cost refinace to save 1/2 percent
Replies: 15
Views: 1267

Re: No-cost refinace to save 1/2 percent

Can I pay a small sum during the refinance to bring the new loan amount now? Say, $10K or so and bring the loan amount down from $262K to $250K? I have done this. I paid to bring down the loan amount and my LTV<=80% and avoid the PMI during my last no-cost refi. This was done after the appraisal ca...
by slbnoob
Tue Jun 28, 2016 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to make an easy $500 like I just did [Chase bank offer]
Replies: 60
Views: 8636

Re: How to make an easy $500 like I just did

I did a $100 eft from my Fidelity account to my new Chase checking account and Chase logged it in as an ACH transfer. Hopefully that should trigger the $300 bonus (plus $200 from depositing $15K in savings). That said, from what I have read, Chase is very selective about what passes as an ACH, and ...
by slbnoob
Mon Jun 27, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: No-cost refinace to save 1/2 percent
Replies: 15
Views: 1267

Re: No-cost refinace to save 1/2 percent

Look at refinancing to a lower term (25, 20 or even 15). Apart from not having to pay interest over the 6 months again, those will also get you a lower rate.

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