Search found 307 matches

by limeyx
Tue Sep 08, 2020 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8080
Views: 563956

Re: Refinance Mega Thread

Are y'all getting the 2.2% to 2.5% rates with the lender credits paying all of your refinance costs? Lenderfi's auto estimator with perfect credit and house almost half paid off no cash out with escrow: Rate APR Monthly Payment Points/Credits Closing Cost Details 2.375% 2.622% $777 $5,944 Show deta...
by limeyx
Tue Jul 14, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8080
Views: 563956

Re: Refinance Mega Thread

Quicken, Better, and LD both appear to balk at the notion of lender credits. LD quoted me $12K for a 265K loan at 2.75%, which appears ludicrous (at least Better was half that at 5300). I wouldn't be surprised if they are turning away price shoppers due to the high influx of applications. I went fr...
by limeyx
Fri Jul 10, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8080
Views: 563956

Re: Refinance Mega Thread

I just received a quote of 3.125% on a 30 year refi from LD with just under $3,000 in closing costs (which can be rolled into the monthly payments). Ideally I wanted to do a no-cost refi but that wasn't an option based on my current rates. Any other places I should consider shopping around? I curre...
by limeyx
Fri Jul 10, 2020 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8080
Views: 563956

Re: Refinance Mega Thread

I’m not getting anything near everyone’s rates. I am looking at about a 260k loan on a 360k value (72%) and debt to income ratio below 20%. My credit score is at 698. With a 30 yr fixed it is at 3.875% paying 3,397 in pts. Closing costs come it at another $2,900 for 6,300 total for A+B+C costs. Req...
by limeyx
Thu Jul 02, 2020 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8080
Views: 563956

Re: Refinance Mega Thread

What is the amex credit with Quicken https://www.americanexpress.com/us/campaigns/loans/quicken-loans/ The Quicken guy I spoke with didn't seem to know much about the offer. Almost like, oh yeah I guess there's an AMEX offer too that we figure out down the road. I guess you can't expect them to be ...
by limeyx
Wed Jul 01, 2020 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8080
Views: 563956

Re: Refinance Mega Thread

Locked today at LenderFi @ 2.75%, $0 out of pocket costs for 15yr Fixed Refi. Going to save 1% on my old mortgage rate. Application was painless, documentation was minimal. 57% LTV, 800+ credit score. We'll see how it goes Update: Loan officer called and got me down to a 2.5%, no additional out of ...
by limeyx
Tue Jun 30, 2020 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8080
Views: 563956

Re: Refinance Mega Thread

Refi with Better closed last Friday. $450k at 2.625%, $1.5k lender credit to offset their fees - so essentially no fees. I was a bit skeptical but better was actually very easy to work with. Nice. I sent my Quicken LE to Better and they ... bettered it by a bit (it was tricky since QL had the appra...
by limeyx
Mon Jun 29, 2020 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8080
Views: 563956

Re: Refinance Mega Thread

Refi with Better closed last Friday. $450k at 2.625%, $1.5k lender credit to offset their fees - so essentially no fees. I was a bit skeptical but better was actually very easy to work with. Nice. I sent my Quicken LE to Better and they ... bettered it by a bit (it was tricky since QL had the appra...
by limeyx
Mon Jun 29, 2020 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8080
Views: 563956

Re: Refinance Mega Thread

Refi with Better closed last Friday. $450k at 2.625%, $1.5k lender credit to offset their fees - so essentially no fees. I was a bit skeptical but better was actually very easy to work with. Nice. I sent my Quicken LE to Better and they ... bettered it by a bit (it was tricky since QL had the appra...
by limeyx
Sun Jun 28, 2020 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8080
Views: 563956

Re: Refinance Mega Thread

Locked in a 15 year fixed 2.5% $510,000 loan with Better, after getting a competing quote from Owning. Better matched and beat by 1k, I was able to get the AMEX 2.5k incentive, and scheduled to close in about 5 days. Closing costs are A+B+C = 1664, with a 2996 credit from the lender. Getting paid 3...
by limeyx
Sat Jun 27, 2020 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8080
Views: 563956

Re: Refinance Mega Thread

Just closed today - refinanced to 2.5%, 15 years, conventional loan. Many thanks to Bogleheads for introducing me to Lenderfi. I applied through Lenderfi and was conditionally approved for 2.5%. I then took that rate to my existing lender and asked them to beat it. They were willing to match the ra...
by limeyx
Sat Jun 27, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Home Refinance Y/N?
Replies: 7
Views: 589

Re: Home Refinance Y/N?

It almost certainly makes sense to refinance. To a 15 year if you can swing it from a cash flow perspective. If there is a high chance you will sell soon, keep the loan you have. According to the Federal Reserve, average rates for 30 year loans are 3.13% and average rates for 15 year loans are 2.59...
by limeyx
Tue Jun 23, 2020 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8080
Views: 563956

Re: Refinance Mega Thread

Just closed today - refinanced to 2.5%, 15 years, conventional loan. Many thanks to Bogleheads for introducing me to Lenderfi. I applied through Lenderfi and was conditionally approved for 2.5%. I then took that rate to my existing lender and asked them to beat it. They were willing to match the ra...
by limeyx
Sat Jun 20, 2020 4:04 pm
Forum: Personal Consumer Issues
Topic: Where can I buy a car seat NOT made in China?
Replies: 30
Views: 2407

Re: Where can I buy a car seat NOT made in China?

Hi all, Looking to buy an infant car seat. From what I saw at stores such as buy buy baby, the only car seat available there, which wasn't made in China, is one made by the Canadian company, Clek. They make theirs in Canada. Any other options out there? Thanks We have 3 CLEK seats and love them Hea...
by limeyx
Tue Apr 07, 2020 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8080
Views: 563956

Re: Refinance Mega Thread

Ridiculous how the rates have gone up. On Friday, I applied for a 15 yr 2.75% when LenderFi quoted a $95 credit. They sat on the application for a few days and today the closing costs has gone up to $10k !! Lender says the rates are going up and I should lock it ASAP. Any thoughts? Yeah I am seeing...
by limeyx
Sun Mar 29, 2020 12:36 pm
Forum: Personal Consumer Issues
Topic: LG dishwasher broke again! Advice..
Replies: 25
Views: 1240

Re: LG dishwasher broke again! Advice..

inverter wrote: Sat Mar 28, 2020 8:14 pm Get a new one... not worth having water spill out in your kitchen. I think LG is only good for washers/dryers.
I have never had an LG anything last more than 1.5 years. Agree. Different brand
by limeyx
Sat Mar 28, 2020 9:41 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17977

Re: What will you do first, once COVID pandemic is over?

mptfan wrote: Sat Mar 28, 2020 7:46 pm How will we known when it is over?
I can leave the house?
by limeyx
Sat Mar 28, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17977

Re: What will you do first, once COVID pandemic is over?

Curious what everyone's plans are once the pandemic is over -- ("over" being defined as social distancing measures are rescinded)? Will you take a road trip? Visit friends and family? What will you cherish so much more after this? I'm going to visit friends back home, especially my folks....
by limeyx
Sun Mar 22, 2020 3:04 pm
Forum: Investing - Theory, News & General
Topic: Deploying your emergency fund to buy stocks? Think again.
Replies: 183
Views: 29863

Re: Deploying your emergency fund to buy stocks? Think again.

I've recently seen several posters mention that they are contemplating (or have already) using their emergency funds to buy stocks due to the market downturn. Though I am an aggressive investor, I think that this is a terrible idea. No one knows how long the current downturn will last. But it's not...
by limeyx
Sun Mar 15, 2020 2:08 pm
Forum: Personal Investments
Topic: Switch from AGG to BND
Replies: 6
Views: 465

Re: Switch from AGG to BND

When setting my bond allocation I went with AGG instead of BND in my fidelity account mostly due to avoiding commissions for rebalancing. In ordinary times this seemed like six of one and half a dozen of the other. But now in more turbulent times I like the fact that BND is much more diversified or...
by limeyx
Sun Mar 15, 2020 10:41 am
Forum: Investing - Theory, News & General
Topic: Should people STOP investing in favor of boosting their emergency funds?
Replies: 83
Views: 5696

Re: Should people STOP investing in favor of boosting their emergency funds?

We have no idea how long this economic freeze will last. Many people could lose their jobs, as several industries are completely shut down and people are staying home. It's actually scary investing right now (even though everything can now be bought at a steep discount) because you don't know if it...
by limeyx
Fri Mar 13, 2020 10:41 pm
Forum: Investing - Theory, News & General
Topic: So.... is this really "it"? Is this what we needed to mentally prepare for?
Replies: 158
Views: 14564

Re: So.... is this really "it"? Is this what we needed to mentally prepare for?

KlangFool wrote: Fri Mar 13, 2020 10:11 pm OP,

Wait until your employer starts laying off people. Or, you are unemployed. Then, you can say that you passed the test.

KlangFool
Yeah this is the big one. Been at companies where there was round after round of layoffs....scariest things you will see
by limeyx
Thu Mar 12, 2020 9:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20755
Views: 2834521

Re: U.S. stocks in free fall

This drop is scary but seems like the perfect time to invest the excess from my emergency fund Yeah I also reduced my emergency fund to a more reasonable level (7k in cash lol) and start investing it. Why take from emergency fund? Seems like times like this are when you're most likely to need it. N...
by limeyx
Fri Feb 28, 2020 4:10 pm
Forum: Investing - Theory, News & General
Topic: How did you TLH during this correction?
Replies: 65
Views: 3716

Re: How did you TLH during this correction?

mega317 wrote: Fri Feb 28, 2020 3:34 pm No lots with losses :(
Basically same. I had $450 loss in VBR and a few hundred in VTI

Barely worth getting out of bed for
by limeyx
Fri Feb 28, 2020 3:05 pm
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 519
Views: 48144

Re: The Calm Post - Stay the course thread.

JD13 wrote: Fri Feb 28, 2020 2:30 pm Are people tax loss harvesting here?
Everything is still up. I only had about $500 of losses on stuff I bought in the last couple of months
by limeyx
Fri Feb 28, 2020 3:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20755
Views: 2834521

Re: U.S. stocks in free fall

lostdog wrote: Fri Feb 28, 2020 10:04 am With another TLH I'll have losses to report that will last for a decade or more so far. :moneybag
Almost everything of mine is still up :(
by limeyx
Wed Feb 26, 2020 11:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20755
Views: 2834521

Re: U.S. stocks in free fall

What if you are wrong and we are back on track? When will you re-enter the market? t's not gonna happen today. When I see it start to go back up one day. I'll get in the next day. How come all I hear on the news is "everyone's selling" over the last days. Do they know something I don't ? ...
by limeyx
Wed Feb 26, 2020 11:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20755
Views: 2834521

Re: U.S. stocks in free fall

Stef wrote: Wed Feb 26, 2020 6:19 am What if you are wrong and we are back on track? When will you re-enter the market?
At the bottom!
by limeyx
Wed Jan 15, 2020 2:48 pm
Forum: Investing - Theory, News & General
Topic: Diversification beyond 80 Stocks is not necessary?
Replies: 66
Views: 6213

Re: Diversification beyond 80 Stocks is not necessary?

Long-time reader (~3 Years)...First-time poster here! I will jump right into my question. I know! The subject line sounds like "clickbait". Is the following true? A financial advisor told me that you do not need more than 80 individual stock for a diverse (equity) portfolio. Notes: I was ...
by limeyx
Tue Aug 20, 2019 6:38 pm
Forum: Personal Investments
Topic: How much does your employer 401k plan charge?
Replies: 43
Views: 3066

Re: How much does your employer 401k plan charge?

I work in a tiny company, just a handful who are in our 401k. The plan charges, on top of the individual ER's for each fund available, a 1.1% plan administration fee that blankets the whole thing. Is this high for a small company 401k plan? Small company here and we get charged 0.75% And added to t...
by limeyx
Thu Aug 08, 2019 3:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10508
Views: 831199

Re: U.S. stocks continue to soar!

pokebowl wrote: Tue Aug 06, 2019 2:14 pm
Bluce wrote: Tue Aug 06, 2019 8:54 am First in. :shock:

It's different this time, the "free fall" is over, lock the other thread. :annoyed
Who here remembers the great crash of early August 2019?
My therapy bill is enormous from this event and reminding me of it isn't helping !
by limeyx
Thu Aug 08, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: which stud finder?
Replies: 52
Views: 3685

Re: which stud finder?

I want to get a stud finder so I can install a grab bar in my bathroom. The prices of these vary from $10 to $50. I just want one what works well, so I have no clue how much to fork out. Can anyone recommend one or say something illuminating? Thanks. I have this one https://smile.amazon.com/CH-Hans...
by limeyx
Mon Aug 05, 2019 11:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20755
Views: 2834521

Re: U.S. stocks in free fall

Again, the 3 T's at work again today: tweets, tariffs, and trade. We are in a trade war with China, don't want to get political here but it might not be such a bad thing. US Companies might discover that things really can be made here in the United States and production will also shift to friendlie...
by limeyx
Mon Aug 05, 2019 11:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20755
Views: 2834521

Re: U.S. stocks in free fall

Wait, what? :confused I thought BH's are in for the long haul and aren't pre-occupied with the daily gyrations of the market? Am I missing something, or are there hypocrites among us? You're missing the fact that we are all just innocently checking for juicy ripe tax-losses to havest. Every farmer ...
by limeyx
Wed Jul 31, 2019 12:21 am
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 7668

Re: What's your Uber passenger rating?

5.00 but only started using this year
by limeyx
Tue Jul 23, 2019 12:30 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20755
Views: 2834521

Re: U.S. stocks in free fall

stocks and bonds both falling off the cliff today as hopes of rate cut fade. I'll stay in cash, thanks. crap i should have bought the dip Somebody should really announce dips and peaks in advance. Would make things so much more civilized They do it all the time. Most of the time they're wrong thoug...
by limeyx
Tue Jul 23, 2019 12:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20755
Views: 2834521

Re: U.S. stocks in free fall

stocks and bonds both falling off the cliff today as hopes of rate cut fade. I'll stay in cash, thanks. crap i should have bought the dip Somebody should really announce dips and peaks in advance. Would make things so much more civilized CNBC does this all day, stopping only for ads for Fisher Inve...
by limeyx
Tue Jul 23, 2019 12:27 am
Forum: Personal Consumer Issues
Topic: What companies provide the best customer service
Replies: 58
Views: 4751

Re: What companies provide the best customer service

I know there is a long thread about favorite consumer products. However, I can’t find one on companies that routinely provide quality customer service. I try to steer myself towards such companies for obvious reasons - for my own benefit and to reward the “better” company. For me, Amazon and Apple ...
by limeyx
Fri Jul 05, 2019 10:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20755
Views: 2834521

Re: U.S. stocks in free fall

TaxingAccount wrote: Fri Jul 05, 2019 11:51 am
TaxingAccount wrote: Fri Jul 05, 2019 9:36 am stocks and bonds both falling off the cliff today as hopes of rate cut fade. I'll stay in cash, thanks.
crap i should have bought the dip
Somebody should really announce dips and peaks in advance. Would make things so much more civilized
by limeyx
Sat Mar 23, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20755
Views: 2834521

Re: U.S. stocks in free fall

Time for a bump! :moneybag 4.5% off the all time high. Quite the free fall. Just sold everything What does the person who bought what you sold know that you don't know? :confused Most likely a market maker who knows nothing. Sorry, forgot the "Didn't actually do it" Emoticon !!!!! :dollar...
by limeyx
Fri Mar 22, 2019 10:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20755
Views: 2834521

Re: U.S. stocks in free fall

DonIce wrote: Fri Mar 22, 2019 12:51 pm
walletless wrote: Fri Mar 22, 2019 12:49 pm Time for a bump! :moneybag
4.5% off the all time high. Quite the free fall.
Just sold everything
by limeyx
Tue Mar 19, 2019 12:33 am
Forum: Personal Consumer Issues
Topic: Garbage Disposal: So many choices out there. How do you decide which one?
Replies: 54
Views: 4538

Re: Garbage Disposal: So many choices out there. How do you decide which one?

I'm in the market for a garbage disposal. There are a lot of choices. What should one look for in a GD? Appreciate all the help I can get. 1210 I got the biggest Insinkerator they sell. I love it. Its super quiet and eats anything. Does take a lot of room under the sink though... Their customer ser...
by limeyx
Tue Mar 19, 2019 12:31 am
Forum: Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 132
Views: 23811

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

yukon50 wrote: Mon Mar 11, 2019 11:30 pmOP, update?
Too busy buying stocks ?
by limeyx
Tue Mar 19, 2019 12:23 am
Forum: Personal Consumer Issues
Topic: What's Your Opinion on Nest Thermostats
Replies: 62
Views: 6547

Re: What's Your Opinion on Nest Thermostats

I got one as a door prize. Fairly easy to install and connect to my house wifi. It's nice to look at but I'm not sure whether it's saved me any electricity. TravelforFun Agree. I'd definitely try ecobee if I was going again Works well enough but doesnt control a variable rate fan (not sure if the E...
by limeyx
Mon Mar 18, 2019 11:59 pm
Forum: Personal Investments
Topic: Vanguard PRIMECAP and Capital Opportunity
Replies: 64
Views: 9850

Re: Vanguard PRIMECAP and Capital Opportunity

You can’t buy Odyssey through Vanguard. I tried but it didn’t work, maybe I’m missing something. Are the Odyssey equivalents as good as the VG Primecaps? Can you buy at Fidelity? I don’t know if it’s equivalent, but they don’t show up as Vanguard mutual funds, I would just try to put the ticker sym...
by limeyx
Sun Feb 24, 2019 11:50 pm
Forum: Personal Investments
Topic: Am I missing out on Roth IRA
Replies: 28
Views: 5074

Re: Am I missing out on Roth IRA

Don't do taxable investing before you have maximized all available tax-advantaged accounts. Traditional and Roth IRA will both be better than taxable. Between traditional or Roth IRA, it depends your marginal tax rates now vs marginal tax rate when you withdraw. See wiki article Traditional versus ...
by limeyx
Sun Feb 24, 2019 11:48 pm
Forum: Personal Investments
Topic: Am I missing out on Roth IRA
Replies: 28
Views: 5074

Re: Am I missing out on Roth IRA

And you can do a Roth contribution for each of you, so you can put in $11,000 (5500 * 2) for 2018 and $12,000 for 2019. Just did exactly this at the beginning of Jan Did you do this with new funds or selling from existing taxed account? I'm on the fence about which option to go - I'm leaning toward...
by limeyx
Tue Feb 05, 2019 2:58 pm
Forum: Personal Investments
Topic: Am I missing out on Roth IRA
Replies: 28
Views: 5074

Re: Am I missing out on Roth IRA

David Jay wrote: Thu Jan 31, 2019 8:41 pm And you can do a Roth contribution for each of you, so you can put in $11,000 (5500 * 2) for 2018 and $12,000 for 2019.
Just did exactly this at the beginning of Jan
by limeyx
Sun Jan 06, 2019 6:50 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 160
Views: 10141

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

Thesaints wrote: Thu Jan 03, 2019 6:44 pm
limeyx wrote: Thu Jan 03, 2019 4:01 pm Just funded our 2019 Roths. Cue a 6 month market decline from today onwards now !
Next time let us know in advance, so we can short.
Heh heh heh