Search found 2575 matches

by jharkin
Sat Sep 19, 2020 7:38 pm
Forum: Personal Consumer Issues
Topic: Which snow tires for serious snow commuting?
Replies: 29
Views: 1500

Re: Which snow tires for serious snow commuting?

She has a 2015 Kia Soul FWD which I figure will make a serviceable snow car with the right tires. Most people around here that have 4x4's have never had to put it in 4WD in years. They just buy them for looks. If ever there was a situation where someone should actually buy a 4x4, your daughter's si...
by jharkin
Mon Sep 14, 2020 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1254
Views: 110824

Re: My LenderFi refinance is going well

I have been having issue with servicing post close. At the table they told me servicing would be sold, and to wait to get info from the "interim servicing" department before mailing a payment. No problem, not unusual... Never heard anything after that and finally had to call/email the week before my...
by jharkin
Fri Sep 11, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: "Hobby" Money: Planes, cars, boats etc...
Replies: 113
Views: 7256

Re: "Hobby" Money: Planes, cars, boats etc...

“What do your toys cost you.” It’s interesting that the thread started with flying. I never got around to getting my license, but have been into model flying (radio control) for close to 30 years. I know people that spend more on that than the OP was considering to fly a real airplane. Costs are var...
by jharkin
Fri Sep 04, 2020 7:06 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1715
Views: 223396

Re: Post your Financial Milestone Announcements Here

Its not as exciting as all you 2 comma showoffs :beer but as of last month we officially now have no other debt but our 3.1% mortgage , which now allow us to sock away nearly 30% of gross into tax advantaged (401/457/roth/HSA/529/etc). Puting us on track to hit the second comma in NW in the next 2 y...
by jharkin
Tue Sep 01, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: Microsoft Flight Simulator 2020
Replies: 67
Views: 6655

Re: Microsoft Flight Simulator 2020

Keep in mind that its a simulator , not a game. #1 priority for its target audience is its flight physics, weather effects and how well it replicates interaction with ATC. In fact lots of real pilots used the prior generations for training. The eye candy upgrade is awesome and sorely overdue. but if...
by jharkin
Sun Aug 30, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: Lead paint and house offer accepted
Replies: 47
Views: 3484

Re: Lead paint and house offer accepted

EVERYBODY checks “ I don’t know” on that disclosure. Most older house owners deliberately don’t get a professional test either because nobody wants to be legally obligated to sign that form yes. Just assume lead is everywhere and take appropriate precautions. I’ll add another data point. Our first h...
by jharkin
Wed Aug 26, 2020 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Maintenance and Repair of HVAC, Water Heaters, etc
Replies: 28
Views: 2456

Re: Maintenance and Repair of HVAC, Water Heaters, etc

Why are your systems breaking down so often? In the 10 years I lived in my previous house I only had one unplanned service call for our gas fired cast iron boiler... a stuck damper pressure sensor. And once I knew What it was I can do it myself if it happens again. Can’t remember the last time I had...
by jharkin
Wed Aug 12, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: More fun: drone or RC plane?
Replies: 32
Views: 2092

Re: More fun: drone or RC plane?

You can’t do this with an RC plane https://thedroneracingleague.com/watch/ Nor can you do that with a $150 drone. For $150, if you want to have fun, go with an RC plane. You will crash it at some point and be out of $150 FYI, but you will have fun. For $1000+, go drone. Very few RC planes that can ...
by jharkin
Wed Aug 12, 2020 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Rates so low. Should we take out a mortgage on home?
Replies: 33
Views: 3886

Re: Rates so low. Should we take out a mortgage on home?

We played major defense early in our careers and paid off over 200k of student loans by age 29, our primary home mortgage by age 32, and one rental by age 36. Those turned out to be major mistakes given how the market has performed. A cautionary tale for all Bogleheads Yet they have a 3 million NW ...
by jharkin
Tue Aug 11, 2020 9:49 pm
Forum: Personal Consumer Issues
Topic: More fun: drone or RC plane?
Replies: 32
Views: 2092

Re: More fun: drone or RC plane?

Drone = taking pictures RC plane= flying it like an actual airplane, but from the outside. In either case, these days you MUST get an FAA registration #, and be aware of the rules and where you are allowed to fly it. A full blown remote pilot license (Part 107) is only required for commercial operat...
by jharkin
Tue Aug 11, 2020 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Amazon Prime Card--4% back
Replies: 74
Views: 6995

Re: Chase Amazon Prime Card--4% back

I just checked, I also got the 3% offer.
by jharkin
Thu Jul 30, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: What's wrong with my Roomba battery?
Replies: 25
Views: 1053

Re: What's wrong with my Roomba battery?

Probably a bad pack.

Since that's a NiMH, either stick to OEM, or if you go aftermarket look for a vendor that guarantees they use genuine factory fresh Sanyo or Panasonic cells (those are the gold standard for NiMH and NiCD)
by jharkin
Thu Jul 30, 2020 6:55 am
Forum: Personal Consumer Issues
Topic: Central AC replacement decision
Replies: 66
Views: 8373

Re: Central AC replacement decision

I totally agree with that BUT It's worth knowing that the heat content of air is far lower than the heat content of solid wall materials (I'd have to look it up but it is something like 1/5th of the energy content or less). So although a room quickly turns cold in winter, the walls & furniture don'...
by jharkin
Thu Jul 30, 2020 6:32 am
Forum: Personal Consumer Issues
Topic: Central AC replacement decision
Replies: 66
Views: 8373

Re: Central AC replacement decision

If your summers are mild, there is no reason to replace a well functioning unit with something new. It might have another 23 years in it. This is the correct answer. It’s “beyond useful life” is just a high pressure sales tactic by contractors that hope you won’t research. Yes it might fail tomorro...
by jharkin
Tue Jul 28, 2020 6:26 am
Forum: Personal Consumer Issues
Topic: Replace my 4 Runner? Update on Repair Post 47
Replies: 65
Views: 4587

Re: I May Need to Replace my 2005 4 Runner :(

The serpentine belt broke probably due to one of pulleys freezing according to the roadside mechanic. Just shy of 180k miles. It's been repaired but sounds terrible and am taking it to the dealer to get checked out. Serpentine belts are usually recommended to be changed one or twice during a vehicl...
by jharkin
Sat Jul 25, 2020 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1254
Views: 110824

Re: My LenderFi refinance is going well

Maybe I'm missing something but the LenderFi guaranteed no cost refi program doesn't sound like that good of a deal to me. First, they're basically offering to do for free what they would otherwise do for free if you refid with them. Second, the "no cost" option does not cover state transfer taxes ...
by jharkin
Fri Jul 24, 2020 11:45 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1254
Views: 110824

Re: My LenderFi refinance is going well

Maybe I'm missing something but the LenderFi guaranteed no cost refi program doesn't sound like that good of a deal to me. First, they're basically offering to do for free what they would otherwise do for free if you refid with them. Second, the "no cost" option does not cover state transfer taxes ...
by jharkin
Fri Jul 24, 2020 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Pros and cons of buying a big house
Replies: 60
Views: 5210

Re: Pros and cons of buying a big house

3,000sq is already a big house. I live in one just under this size and I feel like we have a lot of extra space that is not well utilized and the utility bills give me a headache.

6,000 is mansion.

I cant even guess what the carrying costs are on a building that big.....
by jharkin
Fri Jul 24, 2020 6:58 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1254
Views: 110824

Re: My LenderFi refinance is going well

Yikes. I am closing with LenderFi on Monday, but I do have an escrow, so hopefully there are no issues. Are they supposed to send something 24 hours before? Did they give you the wiring instructions before the closing date? I got on the phone with them the day before and got the details. Due to Cov...
by jharkin
Thu Jul 23, 2020 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1254
Views: 110824

Re: My LenderFi refinance is going well

Yikes. I am closing with LenderFi on Monday, but I do have an escrow, so hopefully there are no issues. Are they supposed to send something 24 hours before? Did they give you the wiring instructions before the closing date? I got on the phone with them the day before and got the details. Due to Cov...
by jharkin
Thu Jul 23, 2020 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469373

Re: Refinance Mega Thread

My LenderFi refi closed yesterday... I had some hiccups in hte final paperwork that I detailed in the LenderFi thread. Somebody asked about the remote closing. I inquired and in my local what they do is the lawyer arrives, give you the stack of foams and then goes to sit in his car to talk you thoug...
by jharkin
Thu Jul 23, 2020 11:40 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1254
Views: 110824

Re: My LenderFi refinance is going well

Mine closed yesterday, but its been a bit of a process and things are still up in the air. Super-confoming loan - 80% LTV - Boston metro 6/12 - I submitted an initial app, but continued to shop rates 6/17 - Got a phone offer. 3.125% no-cost, waive appraisal, waive escrow 6/18 - locked, signed disclo...
by jharkin
Thu Jul 23, 2020 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Which College degrees are worthwhile?
Replies: 248
Views: 17010

Re: Which College degrees are worthwhile?

Employment in computer science has and continues to skyrocket. Common objections are: It's concentrated in a small number of HCOL areas It's vulnerable to offshoring You need to work 60-80 hour weeks to be successful The number of six-figure jobs in CS are small You have to attend an elite school t...
by jharkin
Mon Jul 20, 2020 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Electrical upgrades for a new build home
Replies: 60
Views: 4093

Re: Electrical upgrades for a new build home

Without reading every reply in detail, I would go with the consensus that most of this depends on your needs. Modern electrical code already requires an outlet every so many feet of wall (I think its 6 ft?) so unless you are heavy electronics uses or down want to deal with power strips for entertain...
by jharkin
Sun Jul 12, 2020 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469373

Re: Refinance Mega Thread

I've done enough research to be very skeptical about some of the claims. the 30-year fixed-rate average sank to a record-low 3.13 percent with an average 0.8 point. (Points are fees paid to a lender equal to 1 percent of the loan amount and are in addition to the interest rate.) So, claims that peo...
by jharkin
Thu Jul 09, 2020 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1254
Views: 110824

Re: My LenderFi refinance is going well

My issue is/was slightly different. I uploaded docs, locked, and they went to title and then processing. After multiple emails I FINALLY got a call this morning. Broker said they are just overwhelmed right now and are getting thousands of emails a day. Says mine is on track and in final doc prep. Bu...
by jharkin
Thu Jul 09, 2020 10:15 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1254
Views: 110824

Re: My LenderFi refinance is going well

Something is up with LenderFi. I started hte process mid-June and things where moving fast now they have suddenly gone dark. No reply to a few emails over the last couple days and I tried calling my assigned broker and his voicemail is FULL. Arrg. I guess I have to start calling the main line and as...
by jharkin
Thu Jul 09, 2020 6:22 am
Forum: Personal Finance (Not Investing)
Topic: Basic eBay Questions - New to eBay
Replies: 93
Views: 4751

Re: Basic eBay Questions - New to eBay

I did what you are trying to 20 years ago. Back then it was great. Today I would not touch eBay with a 10 ft pole. The fee structure and competition from large businesses make it very hard to make any profit as a small private seller. And nobody bids on anything that is not “free shipping” these day...
by jharkin
Wed Jul 08, 2020 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469373

Re: Refinance Mega Thread

LenderFi update... I got a great rate with them (Superconforming 600k+ loan 3.125 no cost, waived appraisal, waived escrow) Locked on 6/18 Completed disclosures that day Title cleared on 6/25 and assigned to a closing agent. And after that it turned into a black hole. Basically zero communication. I...
by jharkin
Sat Jul 04, 2020 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Lender is asking for 5 months of Property Taxes and Homeowner's Insurance. Is this normal?
Replies: 28
Views: 3075

Re: Lender is asking for 5 months of Property Taxes and Homeowner's Insurance. Is this normal?

There are different rules in each state for the taxes, usually based on how often they get paid. They usually want the account funded so there is never less than 2 month cushion, so if the taxes are quarterly and the next payment is within a month of closing 5 months tax sounds about right. States t...
by jharkin
Fri Jul 03, 2020 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Share your budget
Replies: 152
Views: 9918

Re: Share your budget

Ummm.. your “other” category alone could cover more than our total annual non-housing spend. So I’m not sure anything I could say/share would be comparable. You are in an order of magnitude different league than us.
by jharkin
Thu Jun 25, 2020 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Parents in a tough situation for retirement
Replies: 117
Views: 13500

Re: Parents in a tough situation for retirement

I’d tread cautiously. The downsides of intervening are significant, and really it’s their business, not yours.

Your parents are barely 60? Mine are into their late 70s, working full time, zero savings. They get by, yours will too. A majority of retirees in this country live on social security alone.
by jharkin
Wed Jun 24, 2020 6:40 pm
Forum: Personal Consumer Issues
Topic: Do you use TRIZ? [Problem solving tool for engineers]
Replies: 9
Views: 860

Re: Do you use TRIZ? [Problem solving tool for engineers]

I’m a mechanical engineer by degree, but my career has been working for software companies that make design tools for engineers. When I hear “engineering tool” I think: Catia NX Creo Solid works Autocad/Inventor Simulia MATLAB Simulink Labview dSpace Spice Etc... Never heard of TRIZ frankly, but loo...
by jharkin
Tue Jun 23, 2020 6:51 pm
Forum: Personal Consumer Issues
Topic: PSA: Replace the anode rod on your water heater every few years to prolong its life.
Replies: 89
Views: 7731

Re: PSA: Replace the anode rod on your water heater every few years to prolong its life.

The anode rod is a sacrificial rod that is inside every water heater and is designed to corrode from minerals in the water, to prevent the tank itself from corroding. Another PSA: Not all water heatershave, or need, anode rods. Anode rods ARE found in your typical, inexpensive, standalone direct fi...
by jharkin
Tue Jun 23, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: How do people sell a house and buy one at the same time?
Replies: 46
Views: 5465

Re: How do people sell a house and buy one at the same time?

If you can qualify for your new mortgage while still having the existing mortgage and have the income/assets to survive double payments, that seems the easiest path. P.S. Never done this We did this when we bought our current house. Previous house sat on the market a few months, but eventually sold...
by jharkin
Mon Jun 22, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance, but need to pay loan down $15k to get rate?
Replies: 16
Views: 1224

Re: Refinance, but need to pay loan down $15k to get rate?

If I was you and I had the cash I’d do it. Even better shop around and see if you can get even lower than 3. I think LenderFi had 2.xx for loans under the conforming limit....
by jharkin
Sun Jun 21, 2020 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Am I in a position to negotiate? 801 credit score cash out refinance
Replies: 27
Views: 2483

Re: Am I in a position to negotiate? 801 credit score cash out refinance

I won’t go into the solo vs joint application issues, other have. What I will say is that with an 800 credit score and an LTV under 60% those closing costs are ridiculous. I just got 3.125 zero cost with a single phone call to LenderFi. Specifically the application fee is quite high. Ive had many lo...
by jharkin
Sun Jun 21, 2020 6:07 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469373

Re: Refinance Mega Thread

So, have no fear in having multiple inquiries in refinancing, but just do it in relative quick succession. Yeah, people with good stats fear hard-pulls way more than they ought to. I have a lot of them, and I consistently get approved for way more credit than I want/need. +1. And most of the effect...
by jharkin
Sat Jun 20, 2020 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating price post an old house inspection
Replies: 48
Views: 2981

Re: Negotiating price post an old house inspection

First... How “old” is this house? I’ve lived in houses as old as the 1700s so I don’t think many of the things people complain about here are really that old. Second... The purpose of a home inspection is to find as many defects as humanly possible. Often a lot of the list is a stretch at best. Thir...
by jharkin
Thu Jun 18, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 132
Views: 14586

Re: Capital One is at it again

Everybody is dropping rates. Yes CapOne was over 2 last year, but in 2010-2014ish they dropped as low as 0.5 with the rest of the market.

Now THAT stung, as just a few years before we where getting 3.5-5% before the GFC.
by jharkin
Thu Jun 18, 2020 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Amica
Replies: 40
Views: 3714

Re: Disappointed in Amica

Odd.... Amica typically lowers my auto premium each year as the cars get older and the collision value goes down.

And yes I fill out that mileage form every year.
by jharkin
Thu Jun 18, 2020 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469373

Re: Refinance Mega Thread

I ended up locking with LenderFi today. Superconforming (600ish on an 800 value) 3.125 Zero cost (1500 lender credit covering all costs) Waived appraisal Waived escrow :D I read the fine print on the rate guarantee. They offer a no cost refi for life if *their* rate drops more than 0.25. The catch ...
by jharkin
Thu Jun 18, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469373

Re: Refinance Mega Thread

I ended up locking with LenderFi today. Superconforming (600ish on an 800 value) 3.125 Zero cost (1500 lender credit covering all costs) Waived appraisal Waived escrow :D I read the fine print on the rate guarantee. They offer a no cost refi for life if *their* rate drops more than 0.25. The catch i...
by jharkin
Thu Jun 18, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469373

Re: Refinance Mega Thread

Could be. I'm looking over the paperwork now. They managed to waive appraisal, AND got an escrow waiver with no change to the rate. 3.125, no fee.

Costco program couldn't match within half a point.
by jharkin
Thu Jun 18, 2020 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469373

Re: Refinance Mega Thread

I need to see it in writing to be sure its really as good as they are claiming, but yeah I am strongly leaning toward LenderFi this time. Ive had 3 prior loans with the Costco program and they have been decent but this deal looks like it may be too good to pass up.
by jharkin
Thu Jun 18, 2020 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469373

Re: Refinance Mega Thread

Update on LenderFi - as mentioned last page they are definitely offering better rates over the phone. I'm in a superconforming, as of this morning the web tool was showing 3.375 with no costs. On the phone they quoted me 3.125 with no costs + their rate guarantee to rewrite the loan for free if the ...
by jharkin
Wed Jun 17, 2020 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Seller breach of contract on home. I need advice.
Replies: 64
Views: 6792

Re: Seller breach of contract on home. I need advice.

Went into a contract with a seller of a home. We asked for grounding of upstairs electric as it is only a two prong electrical system. Sellers agreed and signed contract. Upon follow up inspection the sellers did not ground the electric upstairs. They then tried to pass off running a ground wire fr...
by jharkin
Mon Jun 15, 2020 2:04 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 448
Views: 25873

Re: What fun car should I get in the $150k - $200k range?

Finding this late.. but are you SURE that you really want a car that cost as much as some houses? Diehard car guys (I am one) could tell you in their sleep what car they would buy if they had such a budget. No deliberation required. The fact that you need suggestions suggests to me that you are not ...
by jharkin
Sun Jun 14, 2020 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469373

Re: Refinance Mega Thread

Locked today with Better for 3% 30 yr fixed with ~$3,500 credit. Was also offered 2.875% with ~$2,100 credit. Used a competing offer from UWM to match and Better beat it. After factoring in the $2,500 AMEX credit this should be a pretty lucrative refi (currently at 3.5%). How are you getting such g...
by jharkin
Fri Jun 12, 2020 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469373

Re: Refinance Mega Thread

I just got a LenderFi quote... 3.125 on a Super-Conforming. Currently shopping it to my guy at NBKC/Costo mortgage that did my last couple refi's to see if they will beat it. LenderFi does seem to have very granular rates based on FICOs. I plugged the numbers into their website for an 800+ fico and ...