Search found 32 matches

by livelifealittle
Fri May 15, 2020 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9458
Views: 661351

Re: Refinance Mega Thread

FYI if you are considering refinancing do not ask for covid 19 forbearance from your current lender. I'm kicking myself. I made this mistake and it's complicating the underwriting for my refinance even though there are supposed to be no negative credit affects from the covid 19 forbearance. My loan...
by livelifealittle
Thu Apr 09, 2020 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9458
Views: 661351

Re: Refinance Mega Thread

Numerous reports on other forums of non-targeted people getting the $2500 back. I myself was not targeted, but used the link and confirmed with my officer that my account was flagged for the Amex deal... I would look into it if I were you. I was feeling disappointed already since we locked yesterda...
by livelifealittle
Thu Apr 09, 2020 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9458
Views: 661351

Re: Refinance Mega Thread

I hate sounding like a shill, but I recommend everyone at least check out Better Mortgage using the better.com/with/Amex link. Better has a price match guarantee and promises to beat your estimate by at least $1000, and, if you have a personal (non-business) Amex card you get $2500 after closing. A...
by livelifealittle
Thu Mar 05, 2020 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9458
Views: 661351

Re: Refinance Mega Thread

amindu wrote: Thu Mar 05, 2020 2:07 pm NV as in Nevada? If so OneNevada Credit Union by far the lowest rate and underwriting fees ($560). I locked in a 2.5 15 year with 1/8 credit, plus lender and title cost. If interest i can get you the info to the loan officer.
Yes, Nevada. That would be much appreciated. Thank you!
by livelifealittle
Thu Mar 05, 2020 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9458
Views: 661351

Re: Refinance Mega Thread

Ramjet wrote: Thu Mar 05, 2020 1:20 pm Fed meets in 2 weeks I think, waiting to see if they cut again before I do anything
Awesome. We have 1 primary and 2 rentals to refi and best I can find for the main residence is 3.25% 30yr 0 pt but with $995 loan fee.
by livelifealittle
Thu Mar 05, 2020 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9458
Views: 661351

Re: Refinance Mega Thread

Anyone got a good rate in NV? I'm not finding anyone who can get anywhere near 3.25% no fee, let alone 3%. And today's rate is actually higher than yesterday.
by livelifealittle
Wed Aug 02, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 1367
Views: 183166

Re: How much money do you need to retire?

Age: 36, DH: 35 (DINK) Target: now but that's not possible so maybe 50? I think we need $1m to draw 4% (2017 $) but probably can do with less. I'm good in finding deals and stretching my dollars - I actually enjoy it. Fancy dinners costs are pretty low since we eat a lot of veggies and we both don't...
by livelifealittle
Thu Jun 15, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Have you had this issue with Subaru Forester windshield replacement?
Replies: 33
Views: 16124

Re: Have you had this issue with Subaru Forester windshield replacement?

I know with my 2015 Outback they sent out a notice that if you had to replace your windshield, they'd reimburse you up to x amount (don't remember). Not sure if it applies to Forester as well. I have a 2015 Outback, but did not get such a "notice." Do you still have it, does it have a tit...
by livelifealittle
Wed Jun 14, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: Have you had this issue with Subaru Forester windshield replacement?
Replies: 33
Views: 16124

Re: Have you had this issue with Subaru Forester windshield replacement?

I know with my 2015 Outback they sent out a notice that if you had to replace your windshield, they'd reimburse you up to x amount (don't remember). Not sure if it applies to Forester as well.
by livelifealittle
Wed Jun 14, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Multi-page scanner?
Replies: 26
Views: 3640

Re: Multi-page scanner?

Brother ADS-1500W I have also come with cloud feature where it would upload the scanned doc directly to Google Drive. However, I think that doc will not be private to only you (gov access is allowed or something like that) - see review on Amazon link I posted above. You can easily send the scanned d...
by livelifealittle
Wed Jun 14, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 5135

Re: Subaru to Prius?

Update: We test drove the Prius at local dealer. Much to my surprise, DH doesn't mind the slow acceleration and says he'll live with it. When it was my turn though... I hit the gas like the Subaru and although I have the 2.4L, the Outback's gas is quite sensitive so I'm used to feathering it. Did th...
by livelifealittle
Wed Jun 14, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Multi-page scanner?
Replies: 26
Views: 3640

Re: Multi-page scanner?

I have Brother ADS-1500W (https://www.amazon.com/Brother-ADS1500W-Compact-Desktop-Connectivity/dp/B00EKW6JZ4) Bought the refurbished one from Staples with $30 coupon and got 3yr Squaretrade protection plan for $15.99. It scans both sides in one go. Obviously not as fast as the more expensive Fujitsu...
by livelifealittle
Thu Jun 01, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 5135

Re: Subaru to Prius?

I am in the Baltimore area. Anyone looking for a new Subaru? Lol Also what ultimately made my decision is the safety of the outback. Even without eyesight, it is a very safe vehicle to drive and better suited to handle an accident if one would occur. I don't have kids, but if I did, I would want th...
by livelifealittle
Thu Jun 01, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 5135

Re: Subaru to Prius?

You also say you work from home. you might not put many miles on the car. this means that savings on gas won't add up to a lot of money over the course of a year. Registration costs are not significant compared to other costs. You don't actually go camping much, and can do it in either anyway. So b...
by livelifealittle
Thu Jun 01, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 5135

Re: Subaru to Prius?

We enjoyed our V6 2012 Outback, but didn't enjoy the ~20 mpg gas mileage. We traded it in for a 2012 Prius V, and netted about $8k in the transaction. How many people get cash BACK when they trade in a car??? We really enjoy the Prius V. It is really versatile, and has all the space of the Outback,...
by livelifealittle
Thu Jun 01, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 5135

Re: Subaru to Prius?

You would net cash, but you lock in the loss on the Subaru. You already spent the money, the loss would be between perceived value and sale/trade value. Buying a 2009, you are several years (6) closer to buying the next vehicle. The purchase is in the future, but it is coming. With a 2015, that nex...
by livelifealittle
Thu Jun 01, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 5135

Re: Subaru to Prius?

Yes, they are boring. Very little road feedback. When you accelerate the engine revs but it feels like nothing happens for a few seconds before it finally starts to go. The gauges are mildly interesting if you want to make a game out of getting really good MPG. I would suggest going to your local C...
by livelifealittle
Thu Jun 01, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 5135

Re: Subaru to Prius?

Right. Sorry about rambling. Doing nothing is your BEST option for saving money. Down carring will net you some cash, but I'm not sure that qualifies as saving money. I have 2 teen kids driving, wife has a newer car. I drive a 2001 Toyota Echo that I paid $1,600 cash for. Close to 40 mpg. Registrat...
by livelifealittle
Thu Jun 01, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 5135

Re: Subaru to Prius?

This is a tough decision to be sure. On the one hand, Subarus are really dependable. On the other hand, the deadly Prius is more eco-friendly than any Subaru. Honestly, I think it would come down to which car had the lower insurance rate, higher mpg, and cheaper repairs/maintenance. I like the idea...
by livelifealittle
Thu Jun 01, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 5135

Re: Subaru to Prius?

I haven't chimed in yet and won't even offer a recommendation as there's not enough information. My own observations: Subarus have their own quirks and things that go wrong. Understand what they are and decide what you can live with. Subaru also offers factory extended warranties up to 7 years, 100...
by livelifealittle
Thu Jun 01, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 5135

Re: Subaru to Prius?

bloom2708 wrote:...
I see your point on your dad's story but failed to understand how getting a new Prius will help me in saving money?
I will need to spend more money buying the car, registration will cost roughly the same with the OB, and insurance is probably the same too. Can you elaborate more please?
by livelifealittle
Thu Jun 01, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 15700

Re: What Do You Pay for an Oil Change?

We also have Fumoto valve installed in our Outback. DH changes the oil. We got the oil from Walmart when there are rebate so about $15 for 5 quartz synthetic Mobil1 0W-20. I got $250 voucher when buying the car so I stocked up on air and oil filters. I changed the air filter (youtube the process) wh...
by livelifealittle
Thu Jun 01, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 5135

Re: Subaru to Prius?

So I have a 2015 Subaru Outback Limited w/ eyesight, nav, everything and was contemplating selling. The lowest amount on Autotrader for a car like mine was $28,000. I went to every dealer I could think of and they all low balled me to $23,000. Even most dealers would not honor the Subaru Guaranteed...
by livelifealittle
Thu Jun 01, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 5135

Re: Subaru to Prius?

Interesting. Only 1 person who say yes to Prius (and you actually did make the switch and happy with it) :happy Those of you who recommend to keep the Subaru, what are you reasons? Is it because you have driven both and the OB is more comfortable or fun than the Prius? Or is it because of the moneta...
by livelifealittle
Wed May 31, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 5135

Subaru to Prius?

Hi, I've just read the other Subaru thread and didn't want to mix my own situation there :) I also have a 2015 Subaru Outback. Bought brand new, got pretty good deal below MSRP, total OOP was $30k and some change. I bought it for car camping but unfortunately, work got too busy and I didn't get to d...
by livelifealittle
Mon Oct 10, 2016 2:27 pm
Forum: Personal Investments
Topic: Advice on Portfolio
Replies: 13
Views: 1606

Re: Advice on Portfolio

HeadSpinning wrote:+1 to ruralavalon suggested portfolio, with a slight modification. I would use FTIPX instead of FSGDX for the international portion. It is a more complete fund.
Got it. All 3 funds will match the Fidelity 3 funds suggested on https://www.bogleheads.org/wiki/Three-fund_portfolio
Thank you!
by livelifealittle
Mon Oct 10, 2016 2:02 pm
Forum: Personal Investments
Topic: Advice on Portfolio
Replies: 13
Views: 1606

Re: Advice on Portfolio

Welcome to the forum :) . It's good to see that you are nearly debt free, with no high interest debt. Bogleheads' Guide to Investing is a good choice for where to start your reading. It's good to see that you are interested in using low expense ratio mutual funds.. Asset allocation. The first decis...
by livelifealittle
Fri Oct 07, 2016 2:53 pm
Forum: Personal Investments
Topic: Advice on Portfolio
Replies: 13
Views: 1606

Re: Advice on Portfolio

A three fund portfolio would be fine. You don't have to have all three funds in each account. Instead you could implement the three fund portfolio concept across all accounts (IRAs, HSAs and taxable) viewed as a single portfolio. Look up the wiki on tax-efficient fund placement. Does the HSA offer ...
by livelifealittle
Fri Oct 07, 2016 2:51 pm
Forum: Personal Investments
Topic: Advice on Portfolio
Replies: 13
Views: 1606

Re: Advice on Portfolio

It looks like you are backing into this and hopefully are getting the hang of our approach. If the book is too much, have you read the Wiki? The basic idea is simple, but everyone struggles a bit when they are trying to get the hang of it. You've edited an asset allocation of 70/30 (40 US stocks, 3...
by livelifealittle
Fri Oct 07, 2016 12:43 pm
Forum: Personal Investments
Topic: Advice on Portfolio
Replies: 13
Views: 1606

Re: Advice on Portfolio

Bump. Anyone?
by livelifealittle
Thu Oct 06, 2016 8:12 pm
Forum: Personal Investments
Topic: Advice on Portfolio
Replies: 13
Views: 1606

Re: Advice on Portfolio

Oh right! Thanks, I didn't see 403b there. Editing it shortly.
by livelifealittle
Thu Oct 06, 2016 7:32 pm
Forum: Personal Investments
Topic: Advice on Portfolio
Replies: 13
Views: 1606

Advice on Portfolio

Emergency funds: Yes Debt: car $21k @1.49% Tax Filing Status: Married Filing Jointly Tax Rate: 25% Federal, 8-9.3% State State of Residence: CA Age: 34 Desired Asset allocation: 40% US stocks / 30% bonds? Desired International allocation: 30% stocks? Current retirement assets Taxable 76% $120k cash ...