Search found 113 matches

by Hoosier CPA
Tue Jan 26, 2021 4:29 pm
Forum: Personal Consumer Issues
Topic: Should we afford a new Toyota Sequoia?
Replies: 85
Views: 4700

Re: Should we afford a new Toyota Sequoia?

Interesting to read all the comments - learn a lot here. As I said earlier, I plan to be in the market for a full-size SUV in about 2 years. I keep seeing the Sequoia is essentially the same as in 2008 or so, is rated at 13/17, and is still about the same price as the newer/more recently updated Tah...
by Hoosier CPA
Mon Jan 25, 2021 9:18 am
Forum: Personal Consumer Issues
Topic: Should we afford a new Toyota Sequoia?
Replies: 85
Views: 4700

Re: Should we afford a new Toyota Sequoia?

What's the appeal of a Sequoia over say a Tahoe or Expedition? Toyota reliability? Just asking as it seems they haven't been resigned/updated in years. Wondering since I'm looking at buying a large SUV truck or crew cab truck in the next couple years. Would prefer to keep it a long time so perhaps T...
by Hoosier CPA
Thu Jan 21, 2021 8:05 am
Forum: Personal Consumer Issues
Topic: any suggestions for best 65" TV under $1000?
Replies: 48
Views: 3074

Re: any suggestions for best 65" TV under $1000?

https://www.tomsguide.com/news/tcl-wolf ... na-bashing

I had a TCL but brought it back for an LG. Both came from Costco.
by Hoosier CPA
Mon Jan 18, 2021 5:18 pm
Forum: Investing - Theory, News & General
Topic: "Value vs. Growth: Widest Performance Gap on Record"
Replies: 42
Views: 4226

Re: "Value vs. Growth: Widest Performance Gap on Record"

I've tilted towards value for a long time. Wondering if it's time to throw in the towel but I feel that I'd be chasing performance... So you’d be selling low/buying high? I think the bet is a sound one that Value will have its day sooner rather than later - stick with your convictions! Appreciate t...
by Hoosier CPA
Mon Jan 18, 2021 1:17 pm
Forum: Investing - Theory, News & General
Topic: "Value vs. Growth: Widest Performance Gap on Record"
Replies: 42
Views: 4226

Re: "Value vs. Growth: Widest Performance Gap on Record"

When I've thought about this, I wonder if the reasons for historical value outperformance are no longer are applicable. In my view/opinion, we are now in a political and economic environment where monopolies are not kept in check and it's more difficult to unseat the leaders in any given market segm...
by Hoosier CPA
Mon Jan 18, 2021 12:06 am
Forum: Investing - Theory, News & General
Topic: "Value vs. Growth: Widest Performance Gap on Record"
Replies: 42
Views: 4226

Re: "Value vs. Growth: Widest Performance Gap on Record"

I've tilted towards value for a long time. Wondering if it's time to throw in the towel but I feel that I'd be chasing performance...
by Hoosier CPA
Tue Dec 01, 2020 4:48 pm
Forum: Personal Consumer Issues
Topic: WIFI mesh - Orbi or Google
Replies: 47
Views: 3223

Re: WIFI mesh - Orbi or Google

I haven't bought anything yet as I've been trying to fix the issue with TP Link . Issue is that the system will not work if I change either the network name or the password. TP Link customer support was not helpful. Kept telling me I need to also change the network name/password on the device I'm u...
by Hoosier CPA
Tue Dec 01, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: WIFI mesh - Orbi or Google
Replies: 47
Views: 3223

Re: WIFI mesh - Orbi or Google

Yes, that's annoying. Google Wifi is AC1200, and Google Nest is AC2200. Based on that, I was leaning towards the Nest. I with the nest had the ethernet ports instead of the speaker, which I won't use. You definitely want better than AC1200. With AC1200 most likely the router will be slower than wha...
by Hoosier CPA
Sun Nov 22, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

As a datapoint, my third Amex credit from Better showed up. Contemplating doing a fourth refi this year if I can find a good offer. My score had dropped a bit because I also opened new credit cards between each of the three refis, but I think it has come back a good bit now. It was still over 760 d...
by Hoosier CPA
Sat Nov 21, 2020 11:49 am
Forum: Personal Consumer Issues
Topic: WIFI mesh - Orbi or Google
Replies: 47
Views: 3223

Re: WIFI mesh - Orbi or Google

mortfree wrote: Sat Nov 21, 2020 4:42 am Google store has sale on November 25.

But I know you prefer Costco.
Yes, saw that. Thanks. Costco's return policy is the key for me on this.
by Hoosier CPA
Sat Nov 21, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: WIFI mesh - Orbi or Google
Replies: 47
Views: 3223

Re: WIFI mesh - Orbi or Google

I love the Orbi. I think one difference is the Orbi has Ethernet ports. At least I think that was the difference back when I compared them. An Ethernet cable has advantages over WiFi in terms of consistency. Of course, it won't matter if in your situation you would never connect anything with a cab...
by Hoosier CPA
Fri Nov 20, 2020 11:10 pm
Forum: Personal Consumer Issues
Topic: WIFI mesh - Orbi or Google
Replies: 47
Views: 3223

Re: WIFI mesh - Orbi or Google

I know there's a lot of WIFI threads but wondering if someone in the know could give me a specific recommendation. I like buying at Costco due to return policies. We currently have a TP Link Deco M9 which has worked great but we've had trouble with it recently. Since I bought it this year at Costco...
by Hoosier CPA
Fri Nov 20, 2020 7:07 pm
Forum: Personal Consumer Issues
Topic: WIFI mesh - Orbi or Google
Replies: 47
Views: 3223

WIFI mesh - Orbi or Google

I know there's a lot of WIFI threads but wondering if someone in the know could give me a specific recommendation. I like buying at Costco due to return policies. We currently have a TP Link Deco M9 which has worked great but we've had trouble with it recently. Since I bought it this year at Costco,...
by Hoosier CPA
Mon Nov 02, 2020 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

Question: My loan got transfer to Mr.cooper Payment is due Nov 1st. I’m still unable to even register my account. Tried calling the customer service line and can’t get a hold of anyone. Does anyone know if they will charge a late fee or do you know if Mr.cooper has a buffer zone for new loans? Than...
by Hoosier CPA
Fri Oct 30, 2020 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

My Better.com $2,500 credit posted on 10/28. Signed loan docs on 9/11. Just a data point.

We're at 2.875% on a 30. Need to figure out if it's worth trying again.
by Hoosier CPA
Sat Oct 24, 2020 10:11 pm
Forum: Personal Investments
Topic: Going “all in” on paying mortgage
Replies: 178
Views: 14628

Re: Going “all in” on paying mortgage

Has anyone prioritized their mortgage big time over taxable investing? I’m talking about sending all investible funds straight to mortgage after maxing out tax advantaged accounts. I realize that is *not* historically the path to maximizing long term ROI on those dollars however having zero mortgag...
by Hoosier CPA
Wed Oct 21, 2020 10:09 am
Forum: Personal Investments
Topic: WSJ Case Study on Retirement
Replies: 48
Views: 6318

Re: WSJ Case Study on Retirement

Most Bogleheads will likely die very wealthy. Income, expenses, withdraw rates are all studied in great depth and nothing less than a 95%+ chance of success is considered enough. The average person doesn’t do most of that. They retire with less and if things get tight, they figure it out as they go...
by Hoosier CPA
Mon Oct 12, 2020 7:47 am
Forum: Personal Consumer Issues
Topic: Do they still make simple washing machines without any computer chips?
Replies: 80
Views: 7470

Re: Do they still make simple washing machines without any computer chips?

Yes they do, but your power and water bill will almost certainly go up. What do you think all those computer chips in there are meant to do, anyway? Scare the heck out of people who believe technology reached its apex with the so-reliable 1970 Chevrolets and American style why-care-about-resources-...
by Hoosier CPA
Thu Oct 08, 2020 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

At these low rates I don't see the point of paying off the mortgage or getting a 15 year loan. I totally understand the joy of being "debt free" and owning a paid off home but mortgage is the only contract where someone will lend you hundreds of thousands of dollars at fixed rate for long...
by Hoosier CPA
Mon Oct 05, 2020 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

Just to share info - my better.com mortgage was initially to be serviced by The Money Source, and before the first payment was due, it was transferred to Mr Cooper (which is Nationstar?). Using the search on this site, it appears Mr Cooper is legitimate. The mortgage funded on 9/16 - I think I'll wa...
by Hoosier CPA
Fri Sep 25, 2020 11:14 am
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 233
Views: 16848

Re: A simpler car.

You mentioned that you would not buy a car with a CVT. Many Nissans have them and those cars are very problem free, both from published reports and my own experience. CVTs seem very reliable. (CVT = continuously variable transmission.) So I would look at Nissans if reliability (and value) is the go...
by Hoosier CPA
Fri Sep 11, 2020 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Better Mortgage refi question
Replies: 20
Views: 3255

Re: Better Mortgage refi question

Question for those of you who have refi'd with Better.com—did your mortgage paperwork include any kind of agreement not to refinance again for 6 months or something similar? Or is that a term of the Amex deal? I know some servicers do this. I'm closing soon to get the Amex deal, but might want to r...
by Hoosier CPA
Fri Sep 11, 2020 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

I'm still waiting to close with Better since Late July. I got a $3700 lender credit because they wanted to beat Lenderfi. I never heard of a $2500 Amex credit until now but is that on top of other credits? The Amex credit was a deal offered by Quicken Loans and Better. If you started an application...
by Hoosier CPA
Thu Sep 03, 2020 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

For everyone who's been waiting with baited breath, today is the day! I just checked Quicken and a line item of "BETTER MORTGAGE CREDIT" for $2,500 just showed up on my Amex card. I only had a balance of $256.57, so now I have a surplus of $2,243.43! I thought I remember seeing someone sa...
by Hoosier CPA
Thu Sep 03, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

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 Hoosier CPA
Mon Aug 31, 2020 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

I just walked away from my Lender #1 who was at 2.875%, $851 Closing Costs (A+B+C+E-Lender Credits). They scheduled a closing for next week but I have found a Lender #2 who has locked at 2.5%, $349 Closing Costs (A+B+C+E-Lender Credits). Lender #2 expects to close in next 2-3 weeks. Lender #1 was n...
by Hoosier CPA
Mon Aug 31, 2020 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

I just walked away from my Lender #1 who was at 2.875%, $851 Closing Costs (A+B+C+E-Lender Credits). They scheduled a closing for next week but I have found a Lender #2 who has locked at 2.5%, $349 Closing Costs (A+B+C+E-Lender Credits). Lender #2 expects to close in next 2-3 weeks. Lender #1 was n...
by Hoosier CPA
Thu Aug 27, 2020 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

I applied by the deadline for the AMEX credit and am currently locked with Better. Do I need to do anything else to ensure I get the credit? Will it come up or any papers be necessary through the refi process? At some point, they will need some AMEX account info from me? Just want to make sure I do...
by Hoosier CPA
Thu Aug 27, 2020 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

I applied by the deadline for the AMEX credit and am currently locked with Better. Do I need to do anything else to ensure I get the credit? Will it come up or any papers be necessary through the refi process? At some point, they will need some AMEX account info from me? Just want to make sure I do...
by Hoosier CPA
Thu Aug 20, 2020 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

7/18 Locked LE w/Better. Got them to reduce the rate twice using other LEs. 8/19 Signed Closure Docs w/Notary 8/24 Funding Date Loan 2.75%, 20 year, $230K Loan, California. Primary Residence, No Escrow account. LTV 20%. (A+B+C = $1165) and a $210 Lender's Credit . Qualified for AMEX Rebate $2500 wi...
by Hoosier CPA
Mon Aug 03, 2020 1:55 pm
Forum: Personal Consumer Issues
Topic: best mesh wifi system on the market?
Replies: 53
Views: 4418

Re: best mesh wifi system on the market?

Do you have a Costco membership? Deco M9 Plus Tri Band is on sale for $199. Hands down the best mesh network at that price point. Tri bank with dedicated wireless backhaul. I have spectrum 200mb and get full signal everywhere in a 3100 sq ft two story home. I got that one too. Kind of backed into i...
by Hoosier CPA
Sat Jul 25, 2020 10:28 pm
Forum: Personal Consumer Issues
Topic: Family expanding - Time for a 3 row SUV
Replies: 69
Views: 4058

Re: Family expanding - Time for a 3 row SUV

Minivan is the only answer. My wife wanted nothing to do with one, until we had twins to go along with a 3 year old. We picked the Odyssey as we could put them three across in the middle row. Now our kids are 12, 9 and 9, and it's still going strong with 150K on it. The only mod needed is to elimina...
by Hoosier CPA
Thu Jul 23, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

Just closed with Better two days ago 3% 30-year. Apply with LenderFi today and had this exchange with the Loan Officer: Him: You literally JUST closed your loan and you’re looking to refinance? Why would you close and do this? You’re going to cost that other bank $8,000+ in penalties for doing that...
by Hoosier CPA
Mon Jul 20, 2020 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

Has anyone locked in with Better and then found a better deal and tried to get them to improve their offer? I heard of better while I had a refi in motion with my existing lender (3.0% for 20 years, virtually no cost). Better beat that by offering the same terms but with $1000 back and the amex cre...
by Hoosier CPA
Mon Jul 20, 2020 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

Has anyone locked in with Better and then found a better deal and tried to get them to improve their offer? I heard of better while I had a refi in motion with my existing lender (3.0% for 20 years, virtually no cost). Better beat that by offering the same terms but with $1000 back and the amex cred...
by Hoosier CPA
Tue Jun 16, 2020 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

Better.com says they will match the rate, beat the costs and give me the $2,500 Amex credit. I'm dragging my feet because ... this local lender ... continue to service the loans, ... Is it crazy to stick with the existing lender for those reasons and pass up the $2,500? I've heard better.com will e...
by Hoosier CPA
Tue Jun 16, 2020 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

Better.com says they will match the rate, beat the costs and give me the $2,500 Amex credit. I'm dragging my feet because ... this local lender ... continue to service the loans, ... Is it crazy to stick with the existing lender for those reasons and pass up the $2,500? I've heard better.com will e...
by Hoosier CPA
Tue Jun 16, 2020 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9521
Views: 665406

Re: Refinance Mega Thread

I currently have a refi in motion with my existing local lender. Cost is about $300. The app fee is $250 (which I paid), and the lender credit covers all but about $50 of the rest. Rate is 3.0% on a 20. That is about how many years I have left on my existing 3.5% loan. Better.com says they will matc...
by Hoosier CPA
Sat Jun 06, 2020 3:06 pm
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21592

Re: Markets back near all time highs - how are you feeling and path forward ?

Hoosier CPA, Then, your choice should be 80/20. In fact, your AA should be 70/30. Since 70/30 is better than 80/20 too. Why would you take the additional risk for little to no extra return? YTD, 60/40 is beating 100/0 by at least a 4% additional return. KlangFool Are you trying to time your AA? roc...
by Hoosier CPA
Sat Jun 06, 2020 2:56 pm
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21592

Re: Markets back near all time highs - how are you feeling and path forward ?

I've thought about reducing stock exposure after the the recovery. I realize the difference between 90/10 and 80/20 isn't significant. Hoosier CPA, Then, your choice should be 80/20. In fact, your AA should be 70/30. Since 70/30 is better than 80/20 too. Why would you take the additional risk for l...
by Hoosier CPA
Sat Jun 06, 2020 2:53 pm
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21592

Re: Markets back near all time highs - how are you feeling and path forward ?

I've thought about reducing stock exposure after the the recovery. I realize the difference between 90/10 and 80/20 isn't significant. Hoosier CPA, Then, your choice should be 80/20. In fact, your AA should be 70/30. Since 70/30 is better than 80/20 too. Why would you take the additional risk for l...
by Hoosier CPA
Sat Jun 06, 2020 1:37 pm
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21592

Re: Markets back near all time highs - how are you feeling and path forward ?

now is a good time to re-examine your AA in regards to risk tolerance and then rebalance to that AA. remember how you felt in march before this recovery started. did you wish you had a lower stock AA? did you contemplate selling to avoid the "falling knife"? if so, now is the time to cons...
by Hoosier CPA
Fri Jun 05, 2020 9:38 am
Forum: Investing - Theory, News & General
Topic: Roth Contributions as "Emergency Fund?"
Replies: 16
Views: 1282

Re: Roth Contributions as "Emergency Fund?"

The idea of Roth IRA as an emergency fund arises when one does not have enough money to make BOTH a Roth IRA contribution AND have an emergency fund. This is an important point. Not to be snarky but this is often missed on this forum. There is often an assumption that the person answering the quest...
by Hoosier CPA
Wed Jun 03, 2020 10:44 am
Forum: Personal Investments
Topic: Which budgeting software do you use ?
Replies: 66
Views: 3912

Re: Which budgeting software do you use ?

YNAB. I've had some very well built Excel spreadsheets in the past, but I inevitably get behind on entering transactions. It takes a bit of time to understand how YNAB works, and I do wish the reporting was a better for when I do want to analyze past transactions, but that's not was it's designed fo...
by Hoosier CPA
Thu May 28, 2020 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage rates
Replies: 27
Views: 3562

Re: mortgage rates

I keep looking too - can't find anything without a minimum of around $3K in costs. I'm currently at a 3.5% on around $200K in principal, with about 22 years left on the mortgage. If I can get it down to 3.0%, either on another 30 or perhaps a 20, that would save $1,000 in year initially on interest....
by Hoosier CPA
Wed May 27, 2020 12:29 pm
Forum: Personal Consumer Issues
Topic: New TVs with built-in Roku
Replies: 51
Views: 2772

Re: New TVs with built-in Roku

If it matters to you, look at the ownership of TCL.
by Hoosier CPA
Tue May 05, 2020 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant Salary Growth
Replies: 35
Views: 4997

Re: Accountant Salary Growth

Came across this older thread by searching. Lots of great info here! I'm about 17 years into my career and am a Director on Accounting. I started around 45K and have essentially tripled that. Started in Big 4 for 5 years, then did consulting at a very small place for about 7 (stayed far too long - k...
by Hoosier CPA
Mon May 04, 2020 9:20 am
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 130
Views: 9791

Re: Mesh Wifi

Ended up buying a 3 pack of tp-link deco m9. Never heard of it before but it was the only mesh system my local costco had it stock. Seems to be working great so far. Easy to set up. High speeds. I like that it was ethernet ports on each unit. The only feature I think it should have is the ability to...
by Hoosier CPA
Mon Apr 27, 2020 10:07 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 130
Views: 9791

Re: Mesh Wifi

Looking at these options myself. For now, between Orbi and Google. Costco has great prices on these, but unfortunately is sold out of Orbi. I'd go with Google but concerned about privacy. Perhaps that shouldn't be an objection since I work all day in gmail anyway.
by Hoosier CPA
Mon Apr 27, 2020 3:37 pm
Forum: Personal Investments
Topic: Using 457 for emergency funds
Replies: 22
Views: 1022

Re: Using 457 for emergency funds

I work for a mammoth hospital non-profit where I have a 457 plan available. Would you see any issues in using a 457 for a portion of emergency fund savings? The way I see it, in the event of a job loss, I'd could then pull the funds from the 457 as needed. A governmental 457 plan is an excellent so...