Search found 121 matches

by Brain
Tue Nov 17, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Got scammed by fake website...
Replies: 22
Views: 2850

Re: Got scammed by fake website...

I had the same exact thing happen. I bought an item off this website and it never shipped and I never heard anything from the seller. I found the same email account listed as the POC for several shady-looking sites. They charged me two separate times for amounts that didn't equal the selling price s...
by Brain
Fri Nov 13, 2020 1:23 pm
Forum: Personal Consumer Issues
Topic: Gaming PC Build: Newbie questions and feedback!
Replies: 60
Views: 3580

Re: Gaming PC Build: Newbie questions and feedback!

2. Better to buy 2 x 8GB (16GB total) or 2 x 16GB (32GB total) DDR4 modules, rather than 4 x 8 GB (32 GB total) DDR4 modules. For Ryzen CPUs, there is a slight performance hit when using 4 modules. In addition, if you install 4 x 8 GB modules (using up all the memory banks on the motherboard), you ...
by Brain
Fri Nov 13, 2020 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp Plan
Replies: 42
Views: 3016

Re: Deferred Comp Plan

I only see three groups for whom a Deferred Compensation Plan (DCP) is beneficial (vice 401(k) or taxable savings): Those within 10 years of retirement Those who find themselves making significantly more in a given year than they expect to in subsequent years (perhaps because of a career change or a...
by Brain
Thu Oct 29, 2020 8:43 am
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

I'm going to try to get the 3070 FE from Best Buy or MicroCenter at 9a this morning (15 minutes!). If that works, I'll just go with that and be happy for another (hopefully) six more years. Ugh. I had the card in my cart and was in the checkout process when it just kept telling me it was unavailabl...
by Brain
Thu Oct 29, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

I'd really like to get a 3060 Ti, but I don't know if it will be announced, let lone released, by late November. All of the 2060S and 2070S's currently available are ridiculously expensive (over $500 for year old tech). Maybe their prices will drop once the 3070's are actually available? So I had a...
by Brain
Sat Oct 24, 2020 1:28 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

The CPU will depend on the benchmarks and price/availability of the 5600X. If it lives up to the predictions and costs anywhere near reasonable and I can get one in a timely manner, I'll get that and some 4000 RAM, if the news about Ryzen 3 liking 4000 RAM best are true. Otherwise, I'll go with the...
by Brain
Wed Oct 21, 2020 2:02 pm
Forum: Personal Consumer Issues
Topic: Anybody from out of state ever buy a car from a Maryland dealership?
Replies: 7
Views: 573

Re: Anybody from out of state ever buy a car from a Maryland dealership?

P.S, I once brought a car into Maryland, paid the tax, took it out of state when I moved, returned and had to prove I had paid the tax before to avoid a double charge. It's worse for Maryland residents who buy a car out of state. You have the pay the difference in sales tax between the purchasing s...
by Brain
Wed Oct 21, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

Question about RAM and MoBo compatibility: My motherboard, the MSI B550-A PRO, has a list of RAM sticks it claims/confirms compatibility with (QVL): Here . A lot of the sticks I see on PCPartPicker that would ostensibly be compatible, are not on the QVL. For example: CMK16GX4M2B3200C16 (Intel) is li...
by Brain
Tue Oct 20, 2020 9:42 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

I have a complication with my dual monitor setup requiring two HDMI ports. This restricts the models of GPUs I can use. Most seem to have two or three DisplayPort and one HDMI. I'd rather not have to use DP-to-HDMI adapters. Cards with multiple HDMI outputs are relatively rare. However, don't be af...
by Brain
Tue Oct 20, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

So far, I've purchased: PCPartPicker Part List: https://pcpartpicker.com/list/XDqCy4 Motherboard: MSI B550-A PRO ATX AM4 Motherboard (Purchased For $124.99) Storage: ADATA XPG SX8200 Pro 2 TB M.2-2280 NVME Solid State Drive (Purchased For $229.99) Case: Cougar MX331 MESH-X ATX Mid Tower Case (Purcha...
by Brain
Wed Oct 14, 2020 3:55 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

The 3700X comes bundled with a Wraith Prism cooler, which does the job. FWIW, the Wraith Prism is also bundled with higher TDP CPUs, including the 3800X (105 watt) and 3900X (105 watt). Since you mentioned you won't be overclocking, the bundled Wraith Prism cooler should be fine The Amazon combo de...
by Brain
Wed Oct 14, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

I mostly use my computer for Quicken/Word/Excel, Gmail/Facebook/Youtube/general web-surfing, streaming TV/movies and playing games. I play mostly strategy/RPG games, not First-Person Shooters. I play StarCraft II, Diablo III, Crusader Kings III, MineCraft and then whatever RPGs are out there: Dragon...
by Brain
Wed Oct 14, 2020 11:17 am
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

I just Googled 3800xt vs 5600x and found this site: https://nanoreview.net/en/cpu-compare/amd-ryzen-7-3800xt-vs-amd-ryzen-5-5600x The 5600X is 5% better for single threading and better on power consumption, but it looks like the 3800xt is slightly better in most other categories. Obviously, all this...
by Brain
Tue Oct 13, 2020 9:05 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

Hold. Let's review this slowly: I assume you're looking at the Prime Day deal here: Cooler Master Hyper 212 Evo CPU Cooler, 4 CDC Heatpipes, $25.99 Let's see if it fits the CPU: AMD Ryzen™ 7 3800XT , the specs are AM4 socket and 105 W. OK, next step. Cooler: Hyper 212 EVO | Cooler Master , scroll d...
by Brain
Tue Oct 13, 2020 7:58 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

Add the price of a cooler (not supplied) and consider if your power supply can handle the additional power (105 W vs. 65 W). Yeah. I thought of that too. I'm going to get a 650W power supply, so that shouldn't be an issue either way. So it's: PCPartPicker Part List: https://pcpartpicker.com/list/tt...
by Brain
Tue Oct 13, 2020 2:44 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

Woah! I wasn't too impressed with the Mobo options in the Prime deals, but I just saw this one: AMD Ryzen 7 3800XT 8-core, 16-Threads Unlocked Desktop Processor Without Cooler with MSI MAG B550 Tomahawk Gaming Motherboard for $445.99. According to PC Part picker: PCPartPicker Part List: https://pcpa...
by Brain
Tue Oct 13, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

The price just dropped $10 for the Western Digital Blue - 4TB, down to $79.99.
by Brain
Tue Oct 13, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

WD SN750 for $250. Is the WD name worth $20 premium over the AData 8200 ? For those who don't have NVME but want to upgrade from your HDD, the Crucial BX500 2TB for $160 is a great deal. ETA: And, the WD drive is gone. That ADATA NVME is one of the highest rated M.2 sticks. That $20 coupon looks pr...
by Brain
Mon Oct 12, 2020 12:53 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

Your comparison is (PCIe Gen 4 SSD, PCIe Gen 3 SSD, HD) vs. (PCIe Gen 3 SSD, HD) The video is clear to say (1) don't use a hard drive to store games and (2) there's not much difference between PCIe Gen 3.0 and Gen 4.0 for load times. There is some difference, but not enough to matter. An additional...
by Brain
Sun Oct 11, 2020 10:59 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

Watching this video ( Hardware Unboxed: Best SSD for Gaming ) got me to thinking. If you only have a small SSD (NVME or SATA) for booting your OS, and install your games on a large platter, the games can't take advantage of SSD speeds for load times. So there's a benefit to installing games on SSDs....
by Brain
Fri Oct 09, 2020 5:40 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

Good catch. Hmm, so that probably means the 3600X and 3600XT don't come with coolers. The 3600X absolutely, positively 100% comes with a cooler. I'm using it (on my 3600X) as I type this. Specifically, it comes with the Wraith Spire, which is kind of in the middle of the packaged coolers in terms o...
by Brain
Fri Oct 09, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

Name Cores Core Clock Boost Clock TDP Price Notes $/GHz $/GHz - Boost 3600 6 3.6 GHz 4.2 GHz 65 W $199.99 $0.0556 $0.0476 3600X 6 3.8 GHz 4.4 GHz 95 W $209.09 $0.0550 $0.0475 3600XT 6 3.8 GHz 4.5 GHz 95 W $239.00 $0.0629 $0.0531 3700X 8 3.6 GHz 4.4 GHz 65 W $294.99 No cooler $0.0819 $0.0670 5600X 6...
by Brain
Fri Oct 09, 2020 2:52 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

Name Cores Core Clock Boost Clock TDP Price Notes $/GHz $/GHz - Boost 3600 6 3.6 GHz 4.2 GHz 65 W $199.99 $0.0556 $0.0476 3600X 6 3.8 GHz 4.4 GHz 95 W $209.09 $0.0550 $0.0475 3600XT 6 3.8 GHz 4.5 GHz 95 W $239.00 $0.0629 $0.0531 3700X 8 3.6 GHz 4.4 GHz 65 W $294.99 No cooler $0.0819 $0.0670 5600X 6...
by Brain
Fri Sep 25, 2020 8:22 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23979

Re: PC Build Thread 2020

I, too, am eagerly anticipating Cyberpunk 2077. I saw an article that said that the stated system requirements will only get you passable performance and you'd need even more power to get a good experience. This concerned me, since my computer is six years old (at least the CPU/mobo and GPU)! Curren...
by Brain
Thu Sep 03, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

I thought I remember seeing someone say something about being able to cash out the credit on a low-balance card. Anyone know the mechanics of that? It's hidden in the Disputes section. Go to Account Services and follow the links like you were disputing a charge. One of the options is to request a c...
by Brain
Thu Sep 03, 2020 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

In reply to some folks asking about the Better/Amex deal: I applied to Better prior to having an Amex card. I applied for the Cash Magnet card (1.5% universal cask back) subsequently. I mentioned this to the processor and she just asked me to send her the card number once I got it. Better asked me ...
by Brain
Thu Sep 03, 2020 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

In reply to some folks asking about the Better/Amex deal: I applied to Better prior to having an Amex card. I applied for the Cash Magnet card (1.5% universal cask back) subsequently. I mentioned this to the processor and she just asked me to send her the card number once I got it. Better asked me ...
by Brain
Wed Sep 02, 2020 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

In reply to some folks asking about the Better/Amex deal: I applied to Better prior to having an Amex card. I applied for the Cash Magnet card (1.5% universal cask back) subsequently. I mentioned this to the processor and she just asked me to send her the card number once I got it. Better asked me ...
by Brain
Wed Jul 29, 2020 2:44 pm
Forum: Personal Consumer Issues
Topic: Anyone with a relatively recent minivan and a video entertainment system? That or ipad holders?
Replies: 11
Views: 770

Re: Anyone with a relatively recent minivan and a video entertainment system? That or ipad holders?

My coworker just got a new Odyssey and said she had the exact same question. They went with the entertainment center. They have two kids and are likely to have multiple passengers. Her perspective: First, there's the economy of scale. How many kids do you have? How many other passengers might you ha...
by Brain
Tue Jul 28, 2020 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

I need to decide on Title company for my recent refinancing with Better. My property is in Maryland. I have been using a local title company. But I'm thinking about trying someone else. 1) Title365 Company is listed in the loan estimate. Do they provide a good service? 2) I saw a company named &quo...
by Brain
Tue Jul 28, 2020 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

I need to decide on Title company for my recent refinancing with Better. My property is in Maryland. I have been using a local title company. But I'm thinking about trying someone else. 1) Title365 Company is listed in the loan estimate. Do they provide a good service? 2) I saw a company named &quo...
by Brain
Tue Jul 28, 2020 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

I'm in Maryland and got my mortgage with Better earlier this month. I ended up just going with Better's default title company. Radian Settlement Services. The total paid to them was $795. That was certainly the highest percentage of my closing costs, so I looked into lowering it, but all of the loc...
by Brain
Tue Jul 28, 2020 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

I need to decide on Title company for my recent refinancing with Better. My property is in Maryland. I have been using a local title company. But I'm thinking about trying someone else. 1) Title365 Company is listed in the loan estimate. Do they provide a good service? 2) I saw a company named &quo...
by Brain
Wed Jul 22, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

Interesting article about how low rates can go: http://www.mortgagenewsdaily.com/consumer_rates/950002.aspx It's looking like 30y and 15y rates are converging. I just closed on a 2.5% 15y. Now people are getting 2.5% 30y loans? How much lower will 15y loans than 30y loans? Despite closing on my loan...
by Brain
Mon Jul 20, 2020 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

In reply to some folks asking about the Better/Amex deal: I applied to Better prior to having an Amex card. I applied for the Cash Magnet card (1.5% universal cask back) subsequently. I mentioned this to the processor and she just asked me to send her the card number once I got it. Better asked me ...
by Brain
Mon Jul 20, 2020 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

In reply to some folks asking about the Better/Amex deal: I applied to Better prior to having an Amex card. I applied for the Cash Magnet card (1.5% universal cask back) subsequently. I mentioned this to the processor and she just asked me to send her the card number once I got it. Better asked me a...
by Brain
Tue Jul 14, 2020 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

My ramblings Is negotiations possible after locking in the rate with lenders or has to be negotiated before locking in the rate. Better was willing to match the Loan Depot offer after I'd locked with them. Some folks in this thread reported their lender balking at matching competing offers after lo...
by Brain
Mon Jul 13, 2020 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

I've commented a few times in this thread as I progressed through my refinance, but now that it's completed, I'll lay out the details and provide some lessons learned: Current loan: 3.375% rate 20y fixed 17y left $235k balance Basics: Income: $200k+ Credit score: 790s Location: MD Estimated value: $...
by Brain
Sun Jul 12, 2020 5:50 pm
Forum: Personal Consumer Issues
Topic: Are 55+ Communities a Baby Boomer Thing Only? If so, who will buy when Boomers want to sell?
Replies: 195
Views: 16884

Re: Are 55+ Communities a Baby Boomer Thing Only? If so, who will buy when Boomers want to sell?

I am looking at a 55+ condo community. It is hard to get in quick enough to even see an apartment before it is snapped up. The condo have lovely walking paths, a pond, workshop, small greenhouse space, picnicking areas and deck areas. Not worried about selling. The association can change rules abou...
by Brain
Wed Jul 01, 2020 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

I have a question: I'm scheduled to close on the 8th. Current loan: 20y 3.375% Balance: $234,589.42 New loan: 15y 2.5% My question is, what should I make the new loan balance? Is there a commonly accepted bast practice? Keep the current balance? Round it to the nearest hundred, thousand? Rounding up...
by Brain
Wed Jul 01, 2020 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

Refinance completed. 6/15: Locked at Better 6/25: Title cleared, underwriting completed already 6/30: Closed, wire submitted (escrow) 2.75% 30 year A+B+C+E = $1,100 Credit = $3,867 AMEX = $2500 Total profit = $5,267 I did escrow, so paid out of pocket at close and will get check back from prior len...
by Brain
Mon Jun 29, 2020 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

I paid $550 (Appraisal) to lock with better. Just curious, I don’t think I will. But do you know if that is refunded if I break the lock before close? I know it’s refunded through Amex Promo once I close. But not sure if I break the lock. My original lender wants to beat better which I wasn’t expec...
by Brain
Sat Jun 27, 2020 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

There may be changes coming to better.com and their price guarantee. While talking to them on the phone yesterday I was told the price guarantee is being replaced by the better price match. They will match a competing offer and beat costs by $100. A big difference compared to the $1000 they had off...
by Brain
Fri Jun 26, 2020 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

Brain, I closed with AIM back in March at the same rate and term (no cash out or escrow). No cost to me except prepaids which I was able to reduce a tad due to lender credit. My appraisal was waived . I found nothing fishy about their process and customer service was excellent. I would not hesitate...
by Brain
Fri Jun 26, 2020 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

Agreed, this thread is incredibly helpful! I'm getting refi fatigue and have been through a few scenarios and tried a few lenders. Trying to make a choice between AimLoan and Quicken for a 20 year fixed rate cash-out refinance (of about $20,000). AimLoan is offering 3.00% and closing costs (from le...
by Brain
Fri Jun 26, 2020 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

I didn't have an AMEX card before starting Loan Application at Better.com but I did apply for and was approved for the AMEX Blue Card right before locking my rate. I entered the last 5 digits as part of the final tasks assigned on Better.com. We'll see what happens with the $2,500 credit. I don't h...
by Brain
Fri Jun 26, 2020 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

It's really important to get a bunch of quotes and shop the cheapest one around to the other companies. Wash, rinse, repeat. Persistence is key, and not taking "No" for an answer. Just keep asking if they can do better or if that's the best they can do. Feel free to use lines like, "...
by Brain
Thu Jun 25, 2020 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

I am applying to four different lenders to get the best refi deal. Each one requires all my crucial personal information, including Social Security number and date of birth. Should I be leery? Is there any way around it? Should I list my wife as a co-borrower? I have not done so yet because my inco...
by Brain
Thu Jun 25, 2020 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

It's really important to get a bunch of quotes and shop the cheapest one around to the other companies. Wash, rinse, repeat. Persistence is key, and not taking "No" for an answer. Just keep asking if they can do better or if that's the best they can do. Feel free to use lines like, "I...
by Brain
Wed Jun 24, 2020 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8012
Views: 558990

Re: Refinance Mega Thread

Ha, I got an email from my processor that late last night, too! Her name isn't Jessica, is it? I asked them about a reissue, but there seems to be some confusion about title insurance. Which is another topic; I've asked two people at my current lender for a copy of their title insurance policy and ...