Search found 433 matches

by jb1
Tue May 26, 2020 11:58 am
Forum: Personal Consumer Issues
Topic: Painting the house//estimates and experiences
Replies: 15
Views: 910

Re: Painting the house//estimates and experiences

I just did my bathroom and it really wasnt that bad. Sure it took me a weekend and some spots still need to be touched up, but it was a great skill to learn and saved me probably $600 What were some lessons you learned and do differently for your next room when needed? Upon taking the tape off, I r...
by jb1
Tue May 26, 2020 8:27 am
Forum: Personal Consumer Issues
Topic: Painting the house//estimates and experiences
Replies: 15
Views: 910

Re: Painting the house//estimates and experiences

I just did my bathroom and it really wasnt that bad. Sure it took me a weekend and some spots still need to be touched up, but it was a great skill to learn and saved me probably $600
by jb1
Mon May 25, 2020 3:00 pm
Forum: Personal Consumer Issues
Topic: which iPhone?
Replies: 24
Views: 1341

Re: which iPhone?

Just got the iPhone 11 yesterday for $27 a month from Costco. However I will be “returning” it for a SE for $15 a month on Wednesday. I have no need for the latest and greatest. My iPhone 7 was shot, so I had to get an 11 until the SE was in stock Smart move but don’t pay $15/month for the SE. many...
by jb1
Mon May 25, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: which iPhone?
Replies: 24
Views: 1341

Re: which iPhone?

Just got the iPhone 11 yesterday for $27 a month from Costco. However I will be “returning” it for a SE for $15 a month on Wednesday. I have no need for the latest and greatest. My iPhone 7 was shot, so I had to get an 11 until the SE was in stock
by jb1
Mon May 25, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Anyone buy a car from a rental car company???
Replies: 25
Views: 2471

Re: Anyone buy a car from a rental car company???

I used to work at enterprise and the cars they sold were still in great condition of course, just a few years older in the fleet. I have never spoken or bought, but they were proud of the no hassle pricing.
by jb1
Mon May 25, 2020 10:02 am
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 78
Views: 6206

Re: Examples of why NOT to hold individual stocks

I agree you can't time the market and picking individual stocks is risky. Having said that, I find myself owning more individual stocks and less stock index funds over time. I have had more winners than losers: My big losers: Chesapeake, Alibaba, an Amazon call option, Skyworks My big winners: Amaz...
by jb1
Mon May 25, 2020 6:39 am
Forum: Personal Investments
Topic: Thinking of selling some SP 500 to buy more Wells Fargo
Replies: 72
Views: 4505

Re: Thinking of selling some SP 500 to buy more Wells Fargo

bugleheadd wrote:
Mon May 25, 2020 5:51 am
I would invest in Tesla, not wells fargo
Yup. Wish I had more! I’m seeing more and more Tesla’s everyday
by jb1
Mon May 25, 2020 6:02 am
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 78
Views: 6206

Re: Examples of why NOT to hold individual stocks

What about blue chip stocks in general? although Id say Im 85% index funds, I do own: Paypal I hope my colossal Paypal fees serve you well :beer Haha! I am just trying to follow trends on what anyone under 30 does. “Just Venmo me” is something I hear nearly daily. Venmo of course owned by PayPal
by jb1
Mon May 25, 2020 6:01 am
Forum: US Chapters
Topic: MEMORIAL DAY
Replies: 33
Views: 2436

Re: MEMORIAL DAY

Happy Memorial Day to all.

Sad the way the country has changed and not many value the military anymore.
by jb1
Sun May 24, 2020 8:26 am
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 78
Views: 6206

Re: Examples of why NOT to hold individual stocks

What about blue chip stocks in general? although Id say Im 85% index funds, I do own:

Visa
Apple
Amazon
Alibaba
Boeing
Sq
Paypal
by jb1
Sat May 23, 2020 2:11 pm
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 61
Views: 4319

Re: NJ property taxes too high. What are my alternative states?

I used to live in NJ and moved to coastal NC 4 years ago. Everyday I see more and more NJ/NY license plates and it’s great to see. NJ and NY are overpriced and besides the ability to have a city, offers nothing. Who wants to be charged a ton to live in the cold on unpaved roads? We have met our Yan...
by jb1
Sat May 23, 2020 8:49 am
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 61
Views: 4319

Re: NJ property taxes too high. What are my alternative states?

I used to live in NJ and moved to coastal NC 4 years ago. Everyday I see more and more NJ/NY license plates and it’s great to see. NJ and NC are overpriced and besides the ability to have a city, offers nothing. Who wants to be charged a ton to live in the cold on unpaved roads? Did you make a typo...
by jb1
Sat May 23, 2020 7:51 am
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 61
Views: 4319

Re: NJ property taxes too high. What are my alternative states?

I used to live in NJ and moved to coastal NC 4 years ago. Everyday I see more and more NJ/NY license plates and it’s great to see.

NJ and NY are overpriced and besides the ability to have a city, offers nothing.

Who wants to be charged a ton to live in the cold on unpaved roads?
by jb1
Fri May 22, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1472
Views: 136238

Re: Refinance Mega Thread

Mind is blown at all of you getting these rates. In 2018 with 800 credit for a 180k loan I got a rate of 4.75% Now I go to refinance and everything is 4k closing costs at least on a 165k loan at 3.25% This is stressful and part of me doesnt even want to bother doing it. It's probably because your l...
by jb1
Fri May 22, 2020 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1472
Views: 136238

Re: Refinance Mega Thread

Mind is blown at all of you getting these rates.

In 2018 with 800 credit for a 180k loan I got a rate of 4.75%

Now I go to refinance and everything is 4k closing costs at least on a 165k loan at 3.25%

This is stressful and part of me doesnt even want to bother doing it.
by jb1
Tue May 19, 2020 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Real estate attorney in Central MA
Replies: 7
Views: 380

Re: Real estate attorney in Central MA

Piggybacking your other thread, your agent will have a list of lawyers, appraisers etc they normally work with
by jb1
Mon May 18, 2020 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage - 15 year versus 30 year if both at same interest rate
Replies: 25
Views: 3178

Re: Mortgage - 15 year versus 30 year if both at same interest rate

Jeez and with a 800 credit score, for a loan of 165k I cant find anything below 3.5 on a refi..
by jb1
Sat May 16, 2020 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Worth refinancing?
Replies: 18
Views: 1022

Re: Worth refinancing?

800 FICO and that rate seems off, unless debt-to-income or something else is going on... i know it might be very location dependent and weird underwriting factors, but I am almost closing on a refi from 30 year 3.875 to 15 year 2.875 with $160 out of pocket when all is said and done... probably cou...
by jb1
Sat May 16, 2020 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Worth refinancing?
Replies: 18
Views: 1022

Re: Worth refinancing?

800 FICO and that rate seems off, unless debt-to-income or something else is going on... i know it might be very location dependent and weird underwriting factors, but I am almost closing on a refi from 30 year 3.875 to 15 year 2.875 with $160 out of pocket when all is said and done... probably cou...
by jb1
Fri May 15, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Worth refinancing?
Replies: 18
Views: 1022

Re: Worth refinancing?

In any regard this doesn't seem like the best rate and cost right now. You are rolling $5k in on top of a $165k loan and paying 3.65% in this quote... have you shopped around? I just locked 3.25% with nothing rolled in on a larger loan through Northpointe, which has been all online and they have be...
by jb1
Fri May 15, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: Buying Amazon vs direct from company....
Replies: 40
Views: 3175

Re: Buying Amazon vs direct from company....

Id go through the website. Give them the extra money
by jb1
Fri May 15, 2020 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Worth refinancing?
Replies: 18
Views: 1022

Re: Worth refinancing?

In any regard this doesn't seem like the best rate and cost right now. You are rolling $5k in on top of a $165k loan and paying 3.65% in this quote... have you shopped around? I just locked 3.25% with nothing rolled in on a larger loan through Northpointe, which has been all online and they have be...
by jb1
Fri May 15, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Worth refinancing?
Replies: 18
Views: 1022

Re: Worth refinancing?

I do plan on owning it for 10+ years, in regards to living there, I want to get a new place 2021-2022 If by “get a new place 2021-2022” you mean that you will move out and turn your current home into a 100% rental, would you have to let your lender know and refinance it as a rental at that time? If...
by jb1
Fri May 15, 2020 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Worth refinancing?
Replies: 18
Views: 1022

Re: Worth refinancing?

The true principal & interest savings on a 30-year loan in the amount of your outstanding balance ($165k) at 4.75% versus 3.625% is $109/month or $1,308/year per an online calculator I used. IMO it makes sense to refinance if: (1) your true closing costs (excluding prepaids/escrows) are less than $...
by jb1
Fri May 15, 2020 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Worth refinancing?
Replies: 18
Views: 1022

Re: Worth refinancing?

Current: 30 year 165k owed 4.75% PITI- $1234 Have been renting out the rooms to cover $1200 the last 18 months Quoted: 30 year 170k loan on 3.625 PITI- 1032 Have a couple moving out and will have another guy move in. Total rent will be $875 meaning Id pay $157 per month Thoughts? Why does "who is l...
by jb1
Fri May 15, 2020 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Worth refinancing?
Replies: 18
Views: 1022

Worth refinancing?

Current:
30 year
165k owed 4.75%
PITI- $1234

Have been renting out the rooms to cover $1200 the last 18 months

Quoted:
30 year
170k loan on 3.625
PITI- 1032

Have a couple moving out and will have another guy move in. Total rent will be $875 meaning Id pay $157 per month

Thoughts?
by jb1
Thu May 14, 2020 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3173

Re: Mystery bill from dentist

Ok but you got your explanation and it was for a service you really did receive and haven’t paid for. Probably the negative effects on your health from worrying about this have already surpassed the amount owed. How do you know it wasnt paid for? It went to insurance. Again, morals, ethics. I liter...
by jb1
Wed May 13, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3173

Re: Mystery bill from dentist

I’d offer $50. You did get the X-ray after all. But there is no excuse for a half-decade billing snafu. If they don’t want to take $50 as settlement in full documented in writing then they can have a big ole goose egg. Make sure you tell them it’s a one-time offer that expires in 48 hours. If I tru...
by jb1
Wed May 13, 2020 7:30 pm
Forum: Personal Investments
Topic: Selling rental property - Has any used an iBuyer or Virtual Agent?
Replies: 24
Views: 1181

Re: Selling rental property - Has any used a Virtual Agent?

As someone who recently got their license, the future of this scares me.
by jb1
Wed May 13, 2020 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3173

Re: Mystery bill from dentist

Will try to keep this brief... I had an implant done 2010 for a front tooth I had. Fast forward 2015 and I notice it is starting to fail. I go back to the dentist and they take an xray etc to look at it and it turns out it needed to come out. ... I called the place up and spoke to the receptionist ...
by jb1
Wed May 13, 2020 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3173

Re: Mystery bill from dentist

I just paid a bill that was way overdue, but circumstances might be similar origin. I had a physical nearly a year ago, and have a bill due in my in pile, but figured I'd go in for a physical soon and just pay the bill then. But given all that is happening or not happening, my account went from 30 ...
by jb1
Wed May 13, 2020 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3173

Re: Mystery bill from dentist

EdNorton wrote:
Wed May 13, 2020 6:28 pm
$7,000 dental bill at age 24, you need to take better care of those teeth.
:sharebeer
I lost my tooth skateboarding when I was 12!! Nightmare of a story still haunting me at age 29.

Thank you to all the other responses. I am not paying it.
by jb1
Wed May 13, 2020 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3173

Re: Mystery bill from dentist

Did OP pay anything at the time of then 2015 visit? Wondering how to ascertain this since the charges were made on Mom's insurance. If not, then the bill is appropriate even if late. If not, then why would OP expect to pay nothing for the service? I have no idea if there was even a bill for this se...
by jb1
Wed May 13, 2020 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3173

Re: Mystery bill from dentist

bloom2708 wrote:
Wed May 13, 2020 4:30 pm
It is 2020. Get your hackles up fast. Stomp your feet. Get angry. Post it on Twitter.

Story in the local area. Ice cream place opened up. Customers filled it. Young high school kids overwhelmed. Angry customers. Stomping feet. Jerks.

The employees quit. I applaud their stance.
ok
by jb1
Wed May 13, 2020 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3173

Re: Mystery bill from dentist

Did OP pay anything at the time of then 2015 visit? Wondering how to ascertain this since the charges were made on Mom's insurance. If not, then the bill is appropriate even if late. If not, then why would OP expect to pay nothing for the service? I have no idea if there was even a bill for this se...
by jb1
Wed May 13, 2020 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3173

Re: Mystery bill from dentist

Mlm wrote:
Wed May 13, 2020 4:23 pm
What does your insurance EOB say?
I was 24 at the time on my moms plan, I really have no idea to be honest.
by jb1
Wed May 13, 2020 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3173

Re: Mystery bill from dentist

Ok but you got your explanation and it was for a service you really did receive and haven’t paid for. Not falling for what? You should be happy they waited 5 years it’s like an interest free loan. Probably the negative effects on your health from worrying about this have already surpassed the amoun...
by jb1
Wed May 13, 2020 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3173

Re: Mystery bill from dentist

Ok but you got your explanation and it was for a service you really did receive and haven’t paid for. Probably the negative effects on your health from worrying about this have already surpassed the amount owed. How do you know it wasnt paid for? It went to insurance. Again, morals, ethics. I liter...
by jb1
Wed May 13, 2020 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3173

Re: Mystery bill from dentist

Xrays cost money. What is the issue here? Are you really upset about how the bill was written and they didn’t call? A bill 5 years later? I am upset bc they sent me, in my opinion a phony bill (why wouldnt there be a description), tell me theyve been sending it to my address since May 2015 (false),...
by jb1
Wed May 13, 2020 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3173

Re: Mystery bill from dentist

The bill probably went to your old address with no forwarding. I would pay the $125. You got the x-ray. Small peanuts. Don't sweat the small peanuts. They will likely write it off now. It doesn't seem unreasonable for them to try to collect. Address listed was my parents house in NC. Plus, insuranc...
by jb1
Wed May 13, 2020 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3173

Re: Mystery bill from dentist

The bill probably went to your old address with no forwarding. I would pay the $125. You got the x-ray. Small peanuts. Don't sweat the small peanuts. They will likely write it off now. It doesn't seem unreasonable for them to try to collect. Address listed was my parents house in NC. Plus, insuranc...
by jb1
Wed May 13, 2020 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3173

Mystery bill from dentist

Will try to keep this brief... I had an implant done 2010 for a front tooth I had. Fast forward 2015 and I notice it is starting to fail. I go back to the dentist and they take an xray etc to look at it and it turns out it needed to come out. I wound up moving to NC later that year anyway and decide...
by jb1
Mon May 11, 2020 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up wife after devorce
Replies: 45
Views: 5900

Re: Setting up wife after devorce

Another reason not to get married.

Divorce at age 64, and now you have to give her your hard earned money.

Let her manage it herself, not your problem.
by jb1
Sun May 10, 2020 6:21 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax help:1099-div box 11
Replies: 12
Views: 556

Re: Turbotax help:1099-div box 11

I used turbo tax for the first time this year.

1) doesn’t turbo tax automatically upload all info once you put your login information?

2) I paid extra money for the live assistant and that was well worth the $80
by jb1
Tue May 05, 2020 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Another Should I Refinance Thread
Replies: 13
Views: 712

Re: Another Should I Refinance Thread

Has a 500k+ mortgage

Concerned about saving $100 a month.

Pick one
by jb1
Sun May 03, 2020 9:22 pm
Forum: Personal Consumer Issues
Topic: weather in middle NY state vs central NJ - personal experiences?
Replies: 19
Views: 1518

Re: weather in middle NY state vs central NJ - personal experiences?

Both will be hot in the summer. Central NJ will be a bit hotter. NY will be colder in the winter
by jb1
Fri May 01, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: Will Walmart replace a battery without a receipt?
Replies: 33
Views: 1931

Re: Will Walmart replace a battery without a receipt?

Probably. If not, then now you know for next time
by jb1
Thu Apr 30, 2020 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Another 15 vs. 30 year mortgage toss up
Replies: 59
Views: 3803

Re: Another 15 vs. 30 year mortgage toss up

I’d go with the 30.. you can always pay extra to make it a 15 if you want. That $400 extra a month to do as you please sounds nice
by jb1
Sat Apr 25, 2020 8:14 pm
Forum: Investing - Theory, News & General
Topic: Why do investors have a hard time doing nothing?
Replies: 53
Views: 3883

Re: Why do investors have a hard time doing nothing?

I did something and bought more.
by jb1
Sat Apr 25, 2020 7:50 pm
Forum: Personal Investments
Topic: Buyer's remorse - stock
Replies: 19
Views: 1633

Re: Buyer's remorse - stock

What stock if I may ask