Search found 928 matches

by Go Blue 99
Sun Aug 02, 2020 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Finding the best rate - SoCal jumbo mortgage
Replies: 25
Views: 1588

Re: Finding the best rate - SoCal jumbo mortgage

We just locked this past week at 2.875% with 0.91 points with Bay Equity. This is on a 30 yr fixed Jumbo for a new home purchase.

We used Wells Fargo on our previous Jumbo. This time the best they could do is 3.0% with 1 pt or 3.375% with zero points.
by Go Blue 99
Thu Jul 23, 2020 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Outage/Mint
Replies: 2
Views: 438

Re: Vanguard Outage/Mint

I looked this morning at Mint and my Vanguard balances were correct.
by Go Blue 99
Fri Jul 10, 2020 7:55 am
Forum: Personal Finance (Not Investing)
Topic: How to find the right neighborhood (home)?
Replies: 44
Views: 2892

Re: How to find the right neighborhood (home)?

http://www.city-data.com/ Our real estate agent told us about the neighborhood we’re living in now. We had lived in this city for years, and had no idea it even existed. Come to think of it, a different real estate agent told us about our last neighborhood. Both good choices that we wouldn’t have f...
by Go Blue 99
Wed Jul 08, 2020 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: House sale - where to park the money
Replies: 10
Views: 1255

Re: House sale - where to park the money

We sold our house a few months ago, and have the proceeds parked in a Capital one Performance savings account (1%).
by Go Blue 99
Tue Jul 07, 2020 9:06 am
Forum: Personal Consumer Issues
Topic: 1st Car Purchase - Volvo XC90 vs. Lexus RX350
Replies: 70
Views: 4930

Re: 1st Car Purchase - Volvo XC90 vs. Lexus RX350

My wife has an '18 XC90 as her daily driver. It's only been 2 years but we love it so far. The cargo space is perfect for our needs, and the third row is actually usable for adults (for short distances). I knew about potential reliability issues going in, so we purchased a long-term warranty. This i...
by Go Blue 99
Thu Jul 02, 2020 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 213
Views: 16612

Re: What is the best financial decision you ever made?

Learning about retirement investing early in my career. I spent many hours on the Vanguard Diehards message board, and read books from Bogle and Bernstein.

Also, marrying someone who had high earning potential and no debt.
by Go Blue 99
Tue Jun 23, 2020 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Utah’s 529 plan. What happened when I wasn’t looking?
Replies: 16
Views: 2365

Re: Utah’s 529 plan. What happened when I wasn’t looking?

I also opened up a plan with Utah a few years ago. Just doing a quick search, I still see it ranked as a top plan at Morningstar, Simple Dollar, Investopedia, etc. I see no reason to change.
by Go Blue 99
Wed Jun 17, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: Streaming services quiz - WSJ
Replies: 5
Views: 750

Re: Streaming services quiz - WSJ

My wife has been using Peacock to watch some shows and finds it to be quite buggy (crashes often). Hopefully the kinks are fixed soon.
by Go Blue 99
Fri Jun 12, 2020 8:13 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5654
Views: 1367886

Re: What Movie Have You Recently Watched?

If you are into creepy mysteries/suspense, check out "I See You" on Prime. It's also billed as horror but it's a combination of genres, and quite unique with a great ending twist. The score is terrific also.

https://www.imdb.com/title/tt6079516/?ref_=nv_sr_srsg_0
by Go Blue 99
Sun May 24, 2020 7:54 pm
Forum: Personal Consumer Issues
Topic: Does software play a role in choosing TV
Replies: 28
Views: 1443

Re: Does software play a role in choosing TV

We definitely prefer Roku to access our streaming apps. We only use the tv software as a last resort.
by Go Blue 99
Fri May 15, 2020 7:44 am
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 5009

Re: Peloton Treadmill: Anyone here own one..,,

I'm so glad my gym doesn't force that choice on me. This is why I use an elliptical. If Peloton doesn't have one yet, they need one IMO. My wife and I prefer ellipticals over treadmill and cycle as well. But whenever I do research on buying one for the home, I end up at a bunch of gym forums critic...
by Go Blue 99
Sun May 10, 2020 4:49 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 130
Views: 9363

Re: Mesh Wifi

Anyone have any idea why the Google Wifi and Eero apps are rated so poorly (at least on iOS)? Eero app has a 3.1 rating and Google wifi has a 2.8. The hardware part seems to have terrific reviews everywhere, but I guess some people aren't happy with the iOS apps.
by Go Blue 99
Thu May 07, 2020 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Sibling's Undergrad or Refinance Parent's Mortgage
Replies: 52
Views: 3312

Re: Pay Sibling's Undergrad or Refinance Parent's Mortgage

I agree with your plan not to pursue the CC option. Since you say he is socially awkward, transferring into a huge school like U of M wouldn’t be ideal from a social aspect (assuming he cares about that).
by Go Blue 99
Wed May 06, 2020 7:39 am
Forum: Personal Finance (Not Investing)
Topic: [thinking about buying a house in LA, wait for RE crash?]
Replies: 66
Views: 4778

Re: [thinking about buying a house in LA, wait for RE crash?]

We sold our house a few weeks ago (fortunately we went under contract before Covid hit), and are now living in an apartment while we house hunt. We aren't in any rush though, as I want to see how the housing market and economy shakes out. I definitely don't see a crash happening in our target area, ...
by Go Blue 99
Mon May 04, 2020 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Buying Home - How Near Parents?
Replies: 30
Views: 3026

Re: Buying Home - How Near Parents?

Assuming there's no commute difference, the 40 min location sounds much, much better to me. It has better schools, there's more to do, and it's also cheaper. And 40 min is still close to the parents.
by Go Blue 99
Fri Apr 24, 2020 8:00 am
Forum: Personal Consumer Issues
Topic: Pandemic leading to cost savings?
Replies: 14
Views: 1366

Re: Pandemic leading to cost savings?

Existing thread on this topic:

viewtopic.php?f=2&t=310523
by Go Blue 99
Sun Apr 19, 2020 7:40 pm
Forum: Personal Consumer Issues
Topic: Selling house- how to transfer smart home accts to buyer?
Replies: 27
Views: 1665

Re: Selling house- how to transfer smart home accts to buyer?

I would just do the factory reset and leave any docs that you have. I wouldn’t want to encourage him to contact you with questions, because then you open the door to him calling you when then the ac doesn’t work, or some other problem I usually do print up a sheet with notes about things like utili...
by Go Blue 99
Sun Apr 19, 2020 12:31 pm
Forum: Personal Consumer Issues
Topic: Selling house- how to transfer smart home accts to buyer?
Replies: 27
Views: 1665

Re: Selling house- how to transfer smart home accts to buyer?

I would suspect that the answers may differ depending on the products involved. E.g., I have a Homeassistant Setup with a bunch of z-wave devices and a Raspberry Pi as the hub. Not really an easy DIY system to transition to someone else, especially some of the automations I configured. I’d probably...
by Go Blue 99
Sun Apr 19, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: Selling house- how to transfer smart home accts to buyer?
Replies: 27
Views: 1665

Re: Selling house- how to transfer smart home accts to buyer?

First, I was reluctant to respond with your handle on this site... :happy Sorry that I don't have the answer. I'm in a similar boat. Just curious, did you consider taking the equipment with you? I'm also exploring moving and have a few pieces of smart equipment. That has been one of the questions o...
by Go Blue 99
Sun Apr 19, 2020 9:34 am
Forum: Personal Consumer Issues
Topic: Selling house- how to transfer smart home accts to buyer?
Replies: 27
Views: 1665

Selling house- how to transfer smart home accts to buyer?

We are selling our house and leaving behind installed smart home tech for the new buyer. There's quite a bit in the home including smart thermostats, doorbell, outdoor security cameras, light bulbs, etc. What's the best way to get these smart home accounts transferred to the buyer, so that he can us...
by Go Blue 99
Thu Apr 16, 2020 7:45 am
Forum: Personal Consumer Issues
Topic: ADT Control Pad
Replies: 3
Views: 226

Re: ADT Control Pad

ADT won't remove it. But there are some videos on Youtube that show you how to safely remove the hardware and wiring. If it's an older type keypad with physical buttons, it won't be worth anything. If it's the large touchscreen keypad (ADT Pulse), you could re-sell that, as it sells for $299 brand n...
by Go Blue 99
Wed Apr 15, 2020 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 360
Views: 29122

Re: [Government stimulus payments]

Received our $800 overnight. It would have been $350 higher if I hadn't filed '19 taxes already :oops:

We plan on using it at our favorite local restaurants once we are able to.
by Go Blue 99
Wed Apr 15, 2020 7:32 am
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 130
Views: 9363

Re: Mesh Wifi

I'm planning on getting mesh Wi-Fi for our next home, and have done some preliminary research. What I'm finding is that this is one of those rare products that has rave reviews across many different companies (Google Nest, Orbi, Eero, etc). In other words it's going to be hard to pick a loser.
by Go Blue 99
Tue Apr 14, 2020 8:03 am
Forum: Personal Consumer Issues
Topic: Home Security Cameras
Replies: 13
Views: 1305

Re: Home Security Cameras

We have the Google Nest doorbell, so stayed in that ecosystem and installed Google Nest outdoor security cams. They've been great so far and we've had no issues. They require a power outlet though (we just got lucky and had outdoor outlet options where we wanted the cams). It is really nice not to h...
by Go Blue 99
Mon Apr 13, 2020 8:01 am
Forum: Personal Finance (Not Investing)
Topic: What makes a real estate agent good?
Replies: 30
Views: 2564

Re: What makes a real estate agent good?

We are working with an agent right now. Our area is more of a buyer's market (even before Covid), so I really focused on finding someone who was familiar with the area. I went through recently sold homes in our subdivision and found our agent that way. She lives in the general area and her kids went...
by Go Blue 99
Mon Apr 13, 2020 7:42 am
Forum: Personal Finance (Not Investing)
Topic: What opportunities are there to take advantage of the coronavirus situation?
Replies: 26
Views: 3769

Re: What opportunities are there to take advantage of the coronavirus situation?

We're in the process of renting an apartment, and I've found that some communities around us are running rent specials. They aren't allowed to give in-person tours right now, so lowering rent is a way to convince people to sign a lease anyway.
by Go Blue 99
Sun Apr 12, 2020 2:15 pm
Forum: Personal Investments
Topic: How much cash is too much cash?
Replies: 73
Views: 9017

Re: How much cash is too much cash?

We are similar ages to you and we also have 20 months of e-fund. It helps keep my financial stress low, especially during times like this (my wife is about to lose her job).
by Go Blue 99
Sun Apr 12, 2020 10:02 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 350
Views: 43412

Re: Don't pay full price for SiriusXM radio

I just renewed with the all-access $99 deal online. This definitely saves time over having to call in and listen to their spiel. I know a few posters have asked why still use Sat radio when you can just stream music via your phone? Well for me, it's a few different reasons: - I listen to various gen...
by Go Blue 99
Sat Apr 11, 2020 9:09 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 53117

Re: How Is Your Job Being Impacted By The Current Crisis?

I work in finance at a telecom megacorp. We've been staying very busy and have had some increased work due to Covid. However, I imagine there will be layoffs eventually due to the economy. My wife does Human Resources consulting for a mid-sized manufacturing company. The company has suspended operat...
by Go Blue 99
Sun Apr 05, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: No sports but cable bills unchanged
Replies: 86
Views: 6290

Re: No sports but cable bills unchanged

Yea I for the life of me can’t understand why someone would pay for cable anymore with all of the streaming options available. When NFL season comes aroundI sign up for the Sling sports package for an extra $10/mo to get NFL Redzone and then promptly cancel at the conclusion of the season. We have ...
by Go Blue 99
Sun Apr 05, 2020 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Using ONLINE Visa gift card down to $0?
Replies: 12
Views: 650

Re: Using ONLINE Visa gift card down to $0?

I always use virtual gift cards to buy Amazon gift cards. You can apply them to your account right away so you don't forget to use the balance.
by Go Blue 99
Fri Apr 03, 2020 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house now or wait?
Replies: 42
Views: 3164

Re: Buy a house now or wait?

We are selling our current house, and set to close in 2 weeks (plus a 2-week lease back). Assuming the close goes as expected, we are going to do an apartment rental instead of buying right now. Our agent is still sending us some new homes on the market, but I'd rather wait to see how the economy (a...
by Go Blue 99
Fri Apr 03, 2020 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Are people going to start moving to the suburbs?
Replies: 8
Views: 869

Re: Are people going to start moving to the suburbs?

Someone mentioned this on another thread, but I agree that homes in walkable suburban areas will do well. Some people will want the option of staying in their home, or going out for a safe walk with plenty of sidewalks. Within suburban homes, I believe we'll see more buyers looking for home office s...
by Go Blue 99
Fri Apr 03, 2020 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Buying a New Car in Current Market Conditions
Replies: 17
Views: 1769

Re: Buying a New Car in Current Market Conditions

My cousin is a finance manager at our local Honda dealership. He said they aren't offering any discounts beyond what they would normally give. Sales are of course down. On a normal busy Saturday he would sell 30 cars, but last Sat he only sold 9.
by Go Blue 99
Tue Mar 31, 2020 8:26 am
Forum: Personal Consumer Issues
Topic: Making the most of COVID-19. What deals have you taken advantage of?
Replies: 19
Views: 3676

Re: Making the most of COVID-19. What deals have you taken advantage of?

I've seen a lot of deals from restaurants in order to drum up takeout business. For example, Jersey Mike's had 50% off all subs last week. A bunch of our favorite local restaurants have done deals such as 10% off, free dessert, etc.
by Go Blue 99
Mon Mar 30, 2020 11:51 am
Forum: Personal Finance (Not Investing)
Topic: how much cash do you keep at home?
Replies: 130
Views: 8749

Re: how much cash do you keep at home?

We typically have between $500-$1k in the safe.
by Go Blue 99
Sun Mar 29, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Wireless 5.1 soundbar
Replies: 9
Views: 600

Re: Wireless 5.1 soundbar

If you're willing to pay a little more, JBL just released a 5.1 soundbar that has completely wireless surround speakers. They are powered via battery.

https://www.jbl.com/bar-series/JBL+Bar+ ... SA-Current
by Go Blue 99
Sun Mar 29, 2020 11:54 am
Forum: Personal Investments
Topic: Share what worked in your plan during the crisis
Replies: 103
Views: 7149

Re: Share what worked in your plan during the crisis

We have about 20 months of expenses in our e-fund. That's helped with our financial stress level.
by Go Blue 99
Sun Mar 29, 2020 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Jumbo Mortgage Lenders?
Replies: 7
Views: 825

Re: Jumbo Mortgage Lenders?

Wells Fargo is the go-to for Jumbo loans. A local mortgage broker I talked to said he couldn't get close to Wells.
by Go Blue 99
Sat Mar 28, 2020 11:56 am
Forum: Personal Consumer Issues
Topic: Moving During A Pandemic
Replies: 17
Views: 1447

Re: Moving During A Pandemic

We are also set to move at the end of April. We are under contract on our house, and we haven't found a new house yet, so we will be going into an apt rental. Our plan is to rent the apt a few days earlier than needed. We will deep clean and move some small items on our own. Then we'll have professi...
by Go Blue 99
Sat Mar 28, 2020 9:48 am
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 13064

Re: How are you going to use your stimulus money?

It looks like we'll be getting $800 (it would have been $1150 if I hadn't filed our '19 taxes already).

We plan on using the money to support our favorite local restaurants and tipping well. I feel terrible for that industry.
by Go Blue 99
Fri Mar 27, 2020 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 13064

Re: How are you going to use your stimulus money?

I realize being over the $199k married couple AGI limit means you don't the $2,400. But is the $500 per child also subject to that same AGI rule? The phaseout is expanded for an additional $500 for each child. Calculate the total you qualify for and then subtract $5 for every $100 your AGI is over ...
by Go Blue 99
Fri Mar 27, 2020 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 13064

Re: How are you going to use your stimulus money?

I realize being over the $199k married couple AGI limit means you don't get the $2,400. But is the $500 per child also subject to that same AGI rule?
by Go Blue 99
Thu Mar 26, 2020 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Buy house with coronavirus uncertainty?
Replies: 15
Views: 2024

Re: Buy house with coronavirus uncertainty?

We are currently house hunting, as our current home is set to close next month. We are going to slow play the search though, as my wife expects to lose her job soon. We are looking for an apt rental, but that's been tough as apts here have banned in-person tours. Our agent said things have never bee...
by Go Blue 99
Wed Mar 25, 2020 10:05 am
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 11021

Re: Daycare closed

Our closed daycare (local chain) announced they are doing full refunds for Infants and Toddlers, and 50% tuition for the older classes (where our child is). They are going to do some distance learning to justify the 50% tuition. They are also waiving all advanced notice policies, so people can withd...
by Go Blue 99
Mon Mar 23, 2020 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Housing Market Response in this environment?
Replies: 57
Views: 7499

Re: Housing Market Response in this environment?

Just a tangential thought, I've never been happier to be a homeowner than right now. I can stay inside my comfortable house, not think about rent increasing, landlord entering, moving etc. I can stockpile goods and install extra locks. I have a friend whose lease is up and she has told me that it i...
by Go Blue 99
Fri Mar 20, 2020 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: [Work From Home] - What does your company pay for?
Replies: 83
Views: 4632

Re: WFH - What does your company pay for?

We normally only do it once a week, and my megacorp doesn’t pay for anything. I consider it a great perk though.
by Go Blue 99
Fri Mar 20, 2020 8:07 am
Forum: Personal Finance (Not Investing)
Topic: New Construction Home
Replies: 25
Views: 1579

Re: New Construction Home

I'd be nervous about the home you are soon going to list. Can you afford both mortgages? Other than that, it sounds like this is your ideal neighborhood because of the schools. Like others have said, I would voice my concern to the builder and see what options they provide. As an example, we built a...
by Go Blue 99
Thu Mar 19, 2020 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Back out of RE purchase due to Coronavirus
Replies: 10
Views: 1035

Re: Back out of RE purchase due to Coronavirus

Trust your gut on this one. Guilt over backing out isn't a strong reason to proceed with the purchase when you have so many reservations. I would talk to the seller and offer to reimburse any expenses they may have incurred after it went under contract (e.g. if they've made repairs you've requested)...
by Go Blue 99
Mon Mar 16, 2020 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house - should I get out of it now?
Replies: 40
Views: 3698

Re: Buying a house - should I get out of it now?

You said you love this house. How picky of a buyer are you? Are there multiple homes that would meet your requirements? If you see a lot of similar housing stock in that market, then I would seriously consider backing out at this point. We are also house hunting. We've had a couple of good houses fa...