Search found 293 matches

by teamDE
Wed Jul 29, 2020 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4313
Views: 300341

Re: Refinance Mega Thread

Just locked with RateRabbit for a $395k 15yr fixed at 2.500% no cost. I'll keep you all posted with how it goes.

Funny, i mentioned bogleheads and he said a bunch of bogleheads have applied recently and have been great to work with. :mrgreen:
by teamDE
Wed Jul 29, 2020 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 435
Views: 36986

Re: Quicken 2019 and forward

I use Quicken after migrating to Moneydance and migrating back to Quicken. I track checking and CMA accounts and a couple of credit cards. I use the categories to track spending, including tax categories for tax filing. While I download investment account info and eyeball it, I rely on a Google she...
by teamDE
Tue Jul 28, 2020 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 435
Views: 36986

Re: Quicken 2019 and forward

I'm getting fed up with Quicken. Nothing ever works. Banks won't connect, transactions won't match, stock/buy sell lot info isn't right, tax info isn't right, even balances aren't reconciling right. I can't trust anything its telling me. I don't think i'm willing to put in the daily effort to mainta...
by teamDE
Sat Jul 25, 2020 4:48 pm
Forum: Personal Investments
Topic: Experience with Personal Capital?
Replies: 42
Views: 1849

Re: Experience with Personal Capital?

I use them to track my investments (only investments), but don't do any of their advisory or management stuff. It's a handy website.
by teamDE
Fri Jul 24, 2020 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4313
Views: 300341

Re: Refinance Mega Thread

Did they block this link too? I still get the banner about not taking applications. Anyone have a backdoor to apply to LenderFI? If you don't have a cached personal search (check your browser history for a lenderfi.com address with "search-results" in the URL) then try this: https://app.lenderfi.co...
by teamDE
Fri Jul 24, 2020 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4313
Views: 300341

Re: Refinance Mega Thread

Credit Union: 15yr fixed, 2.625%, $3500 closing break even: immediate, savings at 10yrs: $51,300 Rate Rabbit A: 15yr fixed, 2.625%, $0 closing break even: immediate, savings at 10yrs: $54,800 Rate Rabbit B: 15yr fixed, 2.500%, $900 closing break even: immediate, savings at 10yrs: $57,570 I guess i'...
by teamDE
Fri Jul 24, 2020 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4313
Views: 300341

Re: Refinance Mega Thread

^makes sense. Thanks for the nudge. My mortgage amount to refi is $395,000. I applied through my local credit union as mentioned and it seems that my application locked in my loan option and rate. I'm a little confused on how this works. My intention was only to give them the information required to...
by teamDE
Fri Jul 24, 2020 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4313
Views: 300341

Re: Refinance Mega Thread

My local credit union who i've banked with for several years finally has somewhat competative rates. 2.625% for a 15yr fixed with around $3500 closing costs. It is higher than i could likely find online, but it seems appealing to go with what i know and hopefully have less paperwork fuss and have th...
by teamDE
Wed Jul 22, 2020 7:00 pm
Forum: Personal Investments
Topic: Help with ESPP
Replies: 24
Views: 988

Re: Help with ESPP

My wife just started with her ESPP program at work. It offers a 15% discount on the lowest of the price at beginning or end of the six month period. There is no holding period. So if the stock was $100 on Jan 1, and $150 on July 1, we would be buying the stock at $100 - 15% = $85? Then we'd immedia...
by teamDE
Wed Jul 22, 2020 4:19 pm
Forum: Personal Investments
Topic: What's next after maxing out all tax-advantaged accounts?
Replies: 23
Views: 1745

Re: What's next after maxing out all tax-advantaged accounts?

nix4me wrote:
Wed Jul 22, 2020 4:03 pm
teamDE wrote:
Wed Jul 22, 2020 4:00 pm
Can you do a megabackdoor Roth IRA? That's much better than a taxable account if so.
Well not really. Depends on tax situation and future plans.
In what scenario is it not better? I'll take tax-advantaged growth over not most days of the week. :D
by teamDE
Wed Jul 22, 2020 4:13 pm
Forum: Personal Investments
Topic: Help with ESPP
Replies: 24
Views: 988

Re: Help with ESPP

My wife just started with her ESPP program at work. It offers a 15% discount on the lowest of the price at beginning or end of the six month period. There is no holding period. So if the stock was $100 on Jan 1, and $150 on July 1, we would be buying the stock at $100 - 15% = $85? Then we'd immediat...
by teamDE
Wed Jul 22, 2020 4:00 pm
Forum: Personal Investments
Topic: What's next after maxing out all tax-advantaged accounts?
Replies: 23
Views: 1745

Re: What's next after maxing out all tax-advantaged accounts?

Can you do a megabackdoor Roth IRA? That's much better than a taxable account if so.
by teamDE
Wed May 27, 2020 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4313
Views: 300341

Re: Refinance Mega Thread

For those living in Arizona, California, Massachusetts or Idaho I also strongly suggest looking at raterabbit.com. We locked in a 15 year refi last November for a secondary home for only 3% with $500 cost. I know rates are up from then but I just looked and it seems they are still competitive if yo...
by teamDE
Tue May 26, 2020 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4313
Views: 300341

Re: Refinance Mega Thread

Is Massachusetts some kind of black hole for mortgage lenders? None of these sites or deals are available here. :?
by teamDE
Thu Mar 12, 2020 11:41 am
Forum: Personal Investments
Topic: Trade bonds for equities?
Replies: 15
Views: 629

Re: Trade bonds for equities?

In a bear market, too much rebalancing can compound losses. The bear is pulling our stock portion down, and we keep trying to catch the knife by selling bond high and buying stock. Had we let it fall and rebalanced at the end of the fall when things were more stable, we would have had a larger pot....
by teamDE
Thu Mar 12, 2020 11:00 am
Forum: Personal Investments
Topic: Trade bonds for equities?
Replies: 15
Views: 629

Re: Trade bonds for equities?

Yeh, but they're vibrating around -20%. I think the the odds are pretty good the market will recover at some point. Don't i want that "sale" price? Isn't the only risk that it doesn't recover and id have bought a losing asset? That'd be unprecedented in this country on a 20yr+ time line.
by teamDE
Thu Mar 12, 2020 10:06 am
Forum: Personal Investments
Topic: Trade bonds for equities?
Replies: 15
Views: 629

Re: Trade bonds for equities?

Does that imply the con is that if the market corrects i'll then be way equities heavy? But if that happens wouldn't trading equities for bonds back to my desired AA also be beneficial? My thinking is why not sell bonds while high to buy equities while cheap? I must be missing something. I guess a r...
by teamDE
Thu Mar 12, 2020 9:57 am
Forum: Personal Investments
Topic: Trade bonds for equities?
Replies: 15
Views: 629

Trade bonds for equities?

Any reason not to trade bonds for equities now since bonds are high and equities are low? It's sort of timing in the sense that you don't know when the true bottom is, but -25% is certainly better than nothing, eh?
by teamDE
Fri Feb 28, 2020 11:25 am
Forum: Investing - Theory, News & General
Topic: Rebalancing strategy during a market drawdown
Replies: 58
Views: 4113

Re: Rebalancing strategy during a market drawdown

Assumption: the equities market will recover at some point to previous highs. Assumption: rebalancing is in tax-advantaged account with no fees or tax implications If that is true, then you can basically do no harm by selling bonds high and buying equities low, right? The point/s at which you decide...
by teamDE
Sun Feb 16, 2020 10:56 am
Forum: Personal Investments
Topic: Best Site/Software for Portfolio Management?
Replies: 32
Views: 2657

Re: Best Site/Software for Portfolio Management?

Depends on how deep you want to go. I use Quicken to manage everything. It can get pretty complicated and detailed, but also doesn't have to be. It has a nice web interface and mobile app now as well.
by teamDE
Fri Feb 14, 2020 12:12 am
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27490

Re: Sad news: LadyGeek's husband has passed

I'm so so sorry to hear of your loss. You're such an asset to this community and even in these tough times you continue to add more. Thank you.
by teamDE
Thu Feb 13, 2020 11:53 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting vs Tax Minimization Strategy
Replies: 12
Views: 960

Re: Tax Loss Harvesting vs Tax Minimization Strategy

M1 Finance does not offer tax-loss harvesting (TLH). But they do offer a new feature called “Tax Minimization” standard on all accounts. This feature enables you to sell asset positions in the most tax-favorable way. Whenever you sell an investment, M1 Finance prioritizes the sale in a way that wil...
by teamDE
Thu Feb 13, 2020 10:41 pm
Forum: Personal Consumer Issues
Topic: Thoughts on buying cheap, used, short range EV
Replies: 87
Views: 5431

Re: Thoughts on buying cheap, used, short range EV

There's some great deals on Chevy Bolts through the end of the month. Low $20s, even sub $20k after fed/state rebates and if you hit the trade in allowance criteria, etc. I have several friends with them now. One guy has two of them. One guy has a Model 3 as well. All are very happy with them. What...
by teamDE
Tue Feb 11, 2020 5:40 pm
Forum: Personal Consumer Issues
Topic: Thoughts on buying cheap, used, short range EV
Replies: 87
Views: 5431

Re: Thoughts on buying cheap, used, short range EV

There's some great deals on Chevy Bolts through the end of the month. Low $20s, even sub $20k after fed/state rebates and if you hit the trade in allowance criteria, etc.

I have several friends with them now. One guy has two of them. One guy has a Model 3 as well. All are very happy with them.
by teamDE
Tue Feb 11, 2020 5:13 pm
Forum: Personal Investments
Topic: Mega Back Door Roth IRA (After Tax 401k) - Withdraw Annually?
Replies: 10
Views: 762

Re: Mega Back Door Roth IRA (After Tax 401k) - Withdraw Annually?

Interesting how many different plan rulesets there are. My wife's plan with Fidelity does automatic After-tax to Roth conversions every paycheck (we had to call to set this up), but it does not allow for in-service rollouts to an external Roth IRA. If the fund selection is good enough in the 401k pl...
by teamDE
Mon Dec 23, 2019 11:12 pm
Forum: Personal Consumer Issues
Topic: Quality Power-Tool Brands
Replies: 93
Views: 6152

Re: Quality Power-Tool Brands

My son is a remodeling contractor and he uses a lot of Ridgid power tools. They must be good for him to have used them for so many years. Some contractors switched to them because Rigid offers free battery replacements. My dad started buying into Rigid (having been a DeWalt guy for decades) in the ...
by teamDE
Mon Dec 23, 2019 11:08 pm
Forum: Personal Investments
Topic: Aftertax 401(k) - Do you have it? If so, do you do it?
Replies: 27
Views: 2000

Re: Aftertax 401(k) - Do you have it? If so, do you do it?

My wife's 401k plan allows for the after-tax contributions and automatic in-service rollovers every paycheck to the Roth 401k. So we do that. It doesn't allow for in-service transfers outside of the plan, though. So it'll live in Roth 401k space for the foreseeable future, but that's fine.
by teamDE
Tue Oct 15, 2019 12:41 pm
Forum: Personal Investments
Topic: Where to Put "Extra" Taxable Savings
Replies: 28
Views: 3651

Re: Where to Put "Extra" Taxable Savings

To me, all money is retirement money. I invest it to our desired AA. The sooner we hit the number, the sooner we retire.
by teamDE
Tue Oct 08, 2019 2:13 pm
Forum: Personal Investments
Topic: Excellent Adventure in Taxable?
Replies: 33
Views: 5792

Re: Excellent Adventure in Taxable?

OP, this is at least the second post you've made asking for help setting up the "excellent adventure". Frankly, it shows that you don't yet understand a lot of fundamentals. I'd highly recommend you pump the brakes on this and bone up on the basics first so that you fully understand what you're gett...
by teamDE
Wed Oct 02, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Non stick pan preference?
Replies: 46
Views: 3974

Re: Non stick pan preference?

Wirecutter suggests this one. They are usually pretty good about what they suggest so I tend to trust them. https://www.amazon.com/Tramontina-80114-535DS-Professional-Restaurant/dp/B009HBKQ16 https://thewirecutter.com/reviews/best-nonstick-pan/ I have two of these and we're very happy with them. We...
by teamDE
Wed Oct 02, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 905314

Re: What's Your Credit Card Rewards Strategy?

So about three months ago i went from having the same CC for the past 15 years to.. several. I had some home repair expenses that i could use to achieve much of the min spend to get the sign up bonuses. It's now been a little over three months and this is what i've actually got/redeemed so far: Amex...
by teamDE
Tue Oct 01, 2019 1:29 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth through Fidelity
Replies: 22
Views: 2411

Re: Mega Backdoor Roth through Fidelity

my wife's plan allows us to contribute after-tax and automatically convert to Roth "instantly" at each paycheck which is nice. Unfortunately, they don't allow in-service distributions so i can't roll it out to a Roth IRA. Not a big deal though as the fund choices in the 401k are fine. We also have t...
by teamDE
Mon Sep 30, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 46
Views: 4879

Re: Mouse in the house

Glue traps are awful, please don't use them. A simple/cheap snap trap is far more humane. Better yet a have-a-heart trap (the metal ones that look like a maze work great), but you have to take them to a place a few miles away and also clean out the trap which is a pain.
by teamDE
Sat Sep 28, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: New Credit Card Search - 2 Front Runners?
Replies: 46
Views: 9039

Re: New Credit Card Search - 2 Front Runners?

fwiw, the Citi DC is a Visa World Elite. I think we get a $10 Lyft credit every ten rides or something like that for it. Not sure what else is does, honestly.
by teamDE
Sat Sep 28, 2019 7:30 pm
Forum: Personal Investments
Topic: Heads-up: Vanguard Federal MM higher TEY than Prime/Treasury MM for many
Replies: 11
Views: 2804

Re: Heads-up: Vanguard Federal MM higher TEY than Prime/Treasury MM for many

The math for calculating the effective yield of the federal MM so we can all do this at home i believe is: effective yield = yield*(1-fedtax)/(1-fedtax-statetax) Which is better for someone in the 32% bracket with 5.01% state tax? VMMXX: 2.01% VMFXX: 1.94% 1.94%*(1-32%)/(1-32%-5.01%) = 2.09% So in t...
by teamDE
Sat Sep 28, 2019 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: New Credit Card Search - 2 Front Runners?
Replies: 46
Views: 9039

Re: New Credit Card Search - 2 Front Runners?

Don't be afraid of a card just because it has an annual fee. Many of the best rewards cards have an AF, just be mindful of the benefits and be sure to use them to compensate for the fee. A good example is an airline card which gives a free checked bag. If you fly that airline for two round-trips a ...
by teamDE
Wed Sep 25, 2019 4:25 pm
Forum: Personal Investments
Topic: Please help me invest a little sentimental mad money
Replies: 40
Views: 2823

Re: Please help me invest a little sentimental mad money

I do understand that in general, an etf may be a better choice if this money will be in a taxable account, but not sure what you mean about VG's proprietary process. Does this mean that if I choose a mutual fund thru VG that I may not have to worry so much about capital gains of a mutual fund vs. a...
by teamDE
Wed Sep 25, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: New Credit Card Search - 2 Front Runners?
Replies: 46
Views: 9039

Re: New Credit Card Search - 2 Front Runners?

I may still get the amazon one for amazon shopping only. Is there any detriment to getting a few cards for different things? I understand having more available credit can benefit credit score? My limit is currently very small. Nope. The more credit available and the less you use of it the better. A...
by teamDE
Wed Sep 25, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: New Credit Card Search - 2 Front Runners?
Replies: 46
Views: 9039

Re: New Credit Card Search - 2 Front Runners?

Don't be afraid of a card just because it has an annual fee. Many of the best rewards cards have an AF, just be mindful of the benefits and be sure to use them to compensate for the fee.

Uber VISA and Citi DoubleCash are also good all rounder cards with no AF.
by teamDE
Wed Sep 25, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Is it out-of-style for business women to wear pantyhose?
Replies: 19
Views: 5594

Re: Is it out-of-style for business women to wear pantyhose?

My wife is 38 and a "higher up" at a tech company in Cambridge, MA and tends more toward a classic style. In the 10 years i've known her i've never seen her wear panty hose. She does wear full on tights with dresses in the winter. Like black tights w/ black dress. FWIW.
by teamDE
Wed Sep 25, 2019 8:43 am
Forum: Personal Investments
Topic: Currently invested in 100% stock
Replies: 138
Views: 16480

Re: Currently invested in 100% stock

We're 38 and 80/20 not counting our EF. It's not like VBTLX is a dog, it's up almost 9% YTD.

35yrs old+ and 100% stocks is very aggressive per conventional BH wisdom.
by teamDE
Tue Sep 24, 2019 3:43 pm
Forum: Personal Investments
Topic: what income level should I switch from rIRA to tIRA?
Replies: 21
Views: 1768

Re: what income level should I switch from rIRA to tIRA?

Keep in mind that the advantages of Roth IRAs are compounded when you are many years away from retirement as the account GROWTH is tax free (and you can expect quite a bit of growth before you retire). With a traditional contribution, you get an immediate deduction but if your portfolio triples or ...
by teamDE
Fri Sep 20, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 10481

Re: Alternatives to Subaru Outback?

If it's big enough for your needs, i'd recommend the VW Golf Sportwagen or Alltrack. We have the GSW 4Motion S which is a base model. It's a surprisingly nice driving chassis. We were originally considering Volvos and Audis, but we got this sucker new for $23k, just too good a deal. My MIL has a bra...
by teamDE
Fri Sep 20, 2019 2:24 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth vs. Taxable - Guideline?
Replies: 21
Views: 1276

Re: Mega Backdoor Roth vs. Taxable - Guideline?

You cannot withdraw from the Roth 401k while you are employed at that particular employer. Very similar to the traditional 401k rules. While IRS regulations prohibit the in-service withdrawal/rollover of employee elective contributions in a designated Roth 401k account prior to age 59 1/2. The IRS ...
by teamDE
Fri Sep 20, 2019 12:18 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth vs. Taxable - Guideline?
Replies: 21
Views: 1276

Re: Mega Backdoor Roth vs. Taxable - Guideline?

If you have no need to access the money before you retire (after the age of 59.5), then mega backdoor roth is definitely better than taxable. It sounds like $50k makes up your emergency fund and total taxable investments. It sounds like you are not comfortable with only that amount. I suggest you m...
by teamDE
Thu Sep 19, 2019 4:20 pm
Forum: Personal Investments
Topic: Need help grading my "Fee Only" provider
Replies: 59
Views: 5092

Re: Need help grading my "Fee Only" provider

MUCH improved! If you want to further simplify, consider your asset allocation across the entire his+Hers portfolio as a whole instead of within each account. For example, you might be able to put ALL the bonds into a single fund in only one of the 401ks. Maybe you can put all the international into...
by teamDE
Thu Sep 19, 2019 3:57 pm
Forum: Personal Investments
Topic: Please help me invest a little sentimental mad money
Replies: 40
Views: 2823

Re: Please help me invest a little sentimental mad money

That will greatly simplify taxes as you will then have a clean tax lot without having to track cost basis, something Vanguard is notorious for not doing accurately. I'll let others guide you on Vanguard funds as I am not a fan of Vanguard though I am a Flagship member. I do not believe you mentione...
by teamDE
Tue Sep 17, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Mustang...GT or Ecoboost?
Replies: 42
Views: 2698

Re: Mustang...GT or Ecoboost?

GT. A Mustang needs to sound like a Mustang to be a Mustang. :D
by teamDE
Tue Sep 17, 2019 2:13 pm
Forum: Personal Investments
Topic: Please help me invest a little sentimental mad money
Replies: 40
Views: 2823

Re: Please help me invest a little sentimental mad money

That's a great story and idea. If you simply want to keep it separate, just open another taxable account at Vanguard and put it there. Maybe invest it in something she might be interested in, or fun, or reasonable, etc to suit. You could also put it in a Donor Advised Fund so that it is being invest...