Search found 64 matches

by charis23
Tue Apr 28, 2020 12:52 pm
Forum: Investing - Theory, News & General
Topic: The Bottom Line on Factor Investing
Replies: 290
Views: 12598

Re: The Bottom Line on Factor Investing

I don't know that there was a single Aha! moment, but I would say that that I started to experience budding conviction in factors in the early 2000's--which was then nipped in the bud long before it could flower into action. My original idea was to own the whole market, which to me originally meant...
by charis23
Wed Mar 25, 2020 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 591
Views: 151579

Re: Bank of America/Merrill Edge - Preferred Rewards

Thanks for the advice on cash rewards and especially the idea to get multiple (as long as they approve). I get 5x on dining from Citi Prestige so that will stay there, but online shopping category is interesting - I wonder if costco.com counts as warehouse or online shopping. This $2500 limit sucks...
by charis23
Wed Mar 25, 2020 12:54 am
Forum: Personal Finance (Not Investing)
Topic: COVID-19 and auto insurance
Replies: 9
Views: 1316

COVID-19 and auto insurance

If you are working from home now because of COVID-19, you should be able to contact your auto insurance company and say you drive a lot less. They will likely reduce your premium. https://consumerfed.org/press_release/social-distancing-and-less-commuting-fewer-drivers-and-miles-driven-fewer-auto-acc...
by charis23
Wed Mar 18, 2020 2:03 am
Forum: Investing - Theory, News & General
Topic: 20% unemployment?
Replies: 88
Views: 6716

Re: 20% unemployment?

My point is: what does it take to perpetually keep the number of cases small? If it’s what’s currently occurring in the US, on a perpetual basis, then the economy cannot survive this. My understanding: 1st wave: virus infects people before quarantine, people are quarantined late, many people become...
by charis23
Thu Mar 05, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to refinance shortly after refinancing?
Replies: 12
Views: 1018

Re: Possible to refinance shortly after refinancing?

I believe the 6 months time limit applies to the original lender but doesn't apply to other lenders. So yes it is possible to refinance a loan that you just originated. I've heard that the borrower needs to hold the loan for 6 months for the lender to make the commission. Some related articles: http...
by charis23
Tue Mar 03, 2020 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1685
Views: 152512

Re: Refinance Mega Thread

I was looking at the relationship between the 10 year treasury and 30 year rates and came across Len Kiefer's great http://lenkiefer.com/chartbooks/jan2017/mortgage_rate_viewer_jan_2017.html#relationship-between-rates. The data isn't updated. . Looks like the relationship is y = 1.030x + 1.495. So i...
by charis23
Mon Mar 02, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 284
Views: 42180

Re: 30 year mortgage under 3%

mister_sparkle wrote:
Wed Feb 26, 2020 6:56 pm
I have made literally one payment on my 3.625% 30-year mortgage.

Am I insane for even considering a re-fi?
In a similar boat. I did learn that you can't refi with the same lender in the first 6 months but you can with another lender.
by charis23
Fri Jan 31, 2020 12:20 pm
Forum: Investing - Theory, News & General
Topic: The Value Premium - New FF paper
Replies: 264
Views: 14786

Re: The Value Premium - New FF paper

. Fama-French on The Value Premium Value premiums, which we define as value portfolio returns in excess of market portfolio returns, are on average much lower in the second half of the July 1963-June 2019 period. But the high volatility of monthly premiums prevents us from rejecting the hypothesis ...
by charis23
Sat Jan 25, 2020 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 351
Views: 40093

Re: My LenderFi refinance is going well

Ed_Sandwich wrote:
Wed Jan 22, 2020 8:34 am
abyan wrote:
Tue Jan 21, 2020 1:30 pm
And my closing is done!
How many days between rate lock/document upload/appraisal and closing?
I recently wrapped up closing too. Total of 10 days.
by charis23
Thu Jan 23, 2020 2:19 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26582

Re: Sad news: LadyGeek's husband has passed

I'm sorry for your loss LadyGeek.
by charis23
Wed Jan 22, 2020 3:07 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 351
Views: 40093

Re: My LenderFi refinance is going well

This has been such a smooth and easy refi. Compared to my refinance that I did last year with Better.com, LenderFi asked for orders of magnitude less documents and also waived the appraisal. Very happy so far.
by charis23
Fri Jan 17, 2020 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 351
Views: 40093

Re: My LenderFi refinance is going well

Based on this thread, I applied with LenderFi this morning. Here's what happened: I went through their website at about 9:30 this morning and input some basic information. Name, address, occupation, loan amount, property value, SS#. Their website generated quotes for several loan types (30/25/20/15...
by charis23
Fri Jan 17, 2020 4:01 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 351
Views: 40093

Re: My LenderFi refinance is going well

Did you shop against better.com? They have been pretty good at price beating competition best offer by $1000. One caveat is they only offer it on loan amounts <$500,000. Are there any downsides to refinance a new mortgage (8 months into a 30 year fixed) if I'm bringing no cash to close, there are n...
by charis23
Fri Jan 17, 2020 2:23 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 351
Views: 40093

Re: My LenderFi refinance is going well

Did you shop against better.com? They have been pretty good at price beating competition best offer by $1000. One caveat is they only offer it on loan amounts <$500,000. Are there any downsides to refinance a new mortgage (8 months into a 30 year fixed) if I'm bringing no cash to close, there are n...
by charis23
Thu Jan 16, 2020 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 351
Views: 40093

Re: My LenderFi refinance is going well

My first time hearing about LenderFi was through this post. Applied recently and was approved for 3.625% with no fees (technically $50 out of pocket) and an appraisal waived. I had no idea that lenders could waive an appraisal.
by charis23
Thu Jan 09, 2020 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: better.com Refinance
Replies: 6
Views: 932

Re: better.com Refinance

1. Who ultimately ended up servicing your loan? 2. What payment methods does the servicer offer? Any issues? Also if you could provide just your general impressions with better.com that would be great. I closed on a refinance with Better.com last year 1. I had a temporary servicer for one month and...
by charis23
Fri Jan 03, 2020 2:19 pm
Forum: Investing - Theory, News & General
Topic: Faith driven investing
Replies: 71
Views: 4909

Faith driven investing

Hi, are there any Christians or other religious folks that take their faith into account when making investment decisions? I'm a Christian and recently came across the idea of Biblically responsible investing (BRI) and am curious if other believers have considered adjusting their portfolios. For exa...
by charis23
Thu Jan 02, 2020 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 W4 Step 3-> Number of dependents
Replies: 16
Views: 1029

Re: 2020 W4 Step 3-> Number of dependents

I used the IRS' online tax withholding calculator here: https://apps.irs.gov/app/tax-withholding-estimator/

I have a relatively simple case: MFJ, 1 job, will itemize deductions in 2020. I'm confused why the estimator tells me to fill in a number >9,000 in Step 3 and not fill out Step 4b?
by charis23
Fri Jun 28, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pursued the wrong career?
Replies: 37
Views: 7360

Re: Pursued the wrong career?

Working data scientist in industry here. I don't have a lot of experience with advising someone so far along in their careers making a switch to data science. Although I have worked with a number of data scientists in the past who come from PhD programs. Most of them, rather than doing a master's in...
by charis23
Sun Jun 09, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance immediately after new home purchase?
Replies: 24
Views: 2352

Re: Refinance immediately after new home purchase?

You can certainly refinance to a lower rate for no cost. I just closed on a 30 year 3.875% no cost refinance. I will probably be able to refinance again lower in a month for no cost. Use a broker. Quicken loans is expensive. I did this recently too. Refinanced at 3.875% where they paid me a couple ...
by charis23
Mon Apr 15, 2019 2:04 pm
Forum: Personal Investments
Topic: Tax Efficient Schwab Bond Fund
Replies: 19
Views: 2575

Re: Tax Efficient Schwab Bond Fund

Charis23 Schwab doesn't really point it out, but once you have enough they put you into different group ( Signature ( unless they've changed it), differentiated into (at that time) Pinnacle and other classes by amount invested.... usually half mil, mil plus, and some class above that (3 or 5 mil?))...
by charis23
Mon Apr 08, 2019 12:45 pm
Forum: Personal Investments
Topic: Tax Efficient Schwab Bond Fund
Replies: 19
Views: 2575

Re: Tax Efficient Schwab Bond Fund

Aren’t there commissions when buying Vanguard ar Schwab? Yes there is. In the case of Vanguard Inter-Term Tax Exempt VWITX it's $76 and $0 to sell. This is one of the reason to use Schwab funds wherever possible and do sales as infrequently as possible, such as once-a-year in my MIL's case. If you ...
by charis23
Wed Apr 03, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Less than year into 30 year mortgage...refi?
Replies: 10
Views: 1002

Re: Less than year into 30 year mortgage...refi?

Going through a refi now from a 30year to a 30year that is less than a year old.

This is a calculator that helps you see if it's worth it: https://www.mtgprofessor.com/calculator ... tor3a.html

In my case it is.
by charis23
Tue Mar 26, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo is refinancing my mortgage... for FREE!
Replies: 57
Views: 13525

Re: Wells Fargo is refinancing my mortgage... for FREE!

My First Republic mortgage banker took me out to lunch today, offered to refinance my 3.25% 5/1 ARM taken out 12 months ago to 2.625%. $3k in closing costs. Will save me close to $8k/yr in interest. Wow that sounds like a great rate. The Freddie Mac PMMS is showing the 5/1 ARM at 3.84%. http://www....
by charis23
Tue Mar 26, 2019 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo is refinancing my mortgage... for FREE!
Replies: 57
Views: 13525

Re: Wells Fargo is refinancing my mortgage... for FREE!

I recently got a call from my mortgage lender offering a no-cost refi. I took out a 4.5% fixed for 30-years last year and they're offering 4.0% at no cost to me. They also offered 3.5% at a 10/1 ARM but I'll probably take the fixed. Has anyone else gotten offers like this? I get letters from my ban...
by charis23
Tue Mar 26, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo is refinancing my mortgage... for FREE!
Replies: 57
Views: 13525

Re: Wells Fargo is refinancing my mortgage... for FREE!

I recently got a call from my mortgage lender offering a no-cost refi. I took out a 4.5% fixed for 30-years last year and they're offering 4.0% at no cost to me.

They also offered 3.5% at a 10/1 ARM but I'll probably take the fixed.

Has anyone else gotten offers like this?
by charis23
Mon Mar 25, 2019 2:07 pm
Forum: Personal Investments
Topic: Charles Schwab Funds
Replies: 22
Views: 4842

Re: Charles Schwab Funds

If you want to go even simpler and go with 1-fund, Schwab has good target date index funds. The only down-side of them is they hold a small proportion of cash. https://www.schwab.com/public/schwab/investing/accounts_products/investment/mutual_funds/mutual_fund_portfolio/target_funds Be sure to use t...
by charis23
Fri Mar 22, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 6252

Re: Do you still wear a necktie to work?

I recently started a job where I need to wear a tie 4 days out of the week. I think after a couple of months I'm used to it now and it doesn't bother me.
by charis23
Thu Mar 07, 2019 6:16 pm
Forum: Investing - Theory, News & General
Topic: A Returns Spreadsheet for Bogleheads
Replies: 287
Views: 75357

Re: A Returns Spreadsheet for Bogleheads

Thank you for this spreadsheet longinvest!

Quick question, does the spreadsheet assume monthly contributions are made at the beginning of a month? I'm assuming there may be small differences compared to say what Vanguard calculates if one is investing twice a month.
by charis23
Wed Jan 16, 2019 7:04 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 60219

Re: John Bogle is dead at 89

John Bogle did so much for the individual investor. My condolences to his entire family.
by charis23
Thu Nov 29, 2018 3:49 pm
Forum: Personal Investments
Topic: CA resident 529
Replies: 17
Views: 2770

Re: CA resident 529

If you're on the fence about opening a CA 529 for your kid or a nephew/niece/grandchild, a great time to open one would be between 12/5/18 and 12/7/18. You'll get a $50 Amazon gift card if you setup a $50 opening deposit and $25 automatic contributions. That's a 25% return over 6 months :shock:. I'm...
by charis23
Tue Oct 30, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Open Enrollment 2019 question
Replies: 1
Views: 468

Open Enrollment 2019 question

Hello Bogleheads, I wanted to ask for the community's help in evaluating health plans during open enrollment. My company is fairly generous with health benefits since they pay for all of the premiums for my whole family. We're expecting a child at the end of the year so there is an opportunity to ch...
by charis23
Wed Sep 12, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 18344

Re: iPhone XS Max

I'm probably going to go with a certified refurbished 7 or 7 Plus for my wife and I. Need to upgrade our 3 year old iPhone 6. If you're planning on buying an iPhone (or anything from Apple), you can use get 1.2% cashback if you use Acorns. For some reason the offer only shows up via the mobile app (...
by charis23
Tue Jul 10, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: What’s the median income of Bogleheads?
Replies: 29
Views: 3978

Re: What’s the median income of Bogleheads?

Bogleheads had an anonymous net worth survey in 2015 to 2017 which included income. There were hundreds of responses as I look back at it. Go to https://docs.google.com/spreadsheets/d/1IwBXes8GdYOmOrtKnYLd5Vw8M7TALte_nk63hbUfAIY/edit#gid=630152586. There were others which you can search for. Thanks...
by charis23
Sat Feb 17, 2018 8:01 pm
Forum: US Chapters
Topic: New Orange County, CA Local Chapter established
Replies: 81
Views: 12836

Re: Orange County, CA chapter?

I'm open for suggestions on potential locations. taking a quick look at where the other local chapters meet it looks like generally folks are meeting at restaurants, food courts or libraries. I think if we get enough folks, we can try to choose a central location.

I'm located in Irvine.
by charis23
Sat Feb 17, 2018 1:40 pm
Forum: US Chapters
Topic: New Orange County, CA Local Chapter established
Replies: 81
Views: 12836

Re: Orange County, CA chapter?

Reviving this old thread. It doesn't look like there is an orange county chapter yet. If there are enough folks interested, I'd love to start a local chapter in the OC area.
by charis23
Mon Feb 12, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 10435

Re: I’m not renewing my Costco membership.

Two thoughts: 1. I make my own bread. The 50 lbs sack of flour for $12.50 literally pays for the entire annual membership in its savings versus supermarket. I buy a few 50 lbs sacks per year, so for me membership a no-brainer. 2. I also don't like consumerism. Try walking through the store "backwar...
by charis23
Wed Jan 24, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 12857

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I just replaced the battery in my dying 5s DIY. Now it runs like a new one without a bulky battery case. cost for the battery: $20. Where did you buy the battery? what equipment did you use to perform the swap. I am in precisely this situation with my 5s. I recently swapped my iPhone 6 battery at O...
by charis23
Sat Jan 13, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: IRA recharacterization
Replies: 9
Views: 1132

Re: IRA recharacterization

Looks like I'm in the same situation as the op in wanting to recharacterize a traditional IRA contribution I made in Jan 2017 to a Roth IRA. Our MAGI will be less than the phase-out limit (189k). Just to be clear with the new tax law, if my understanding is correct, recharacterizations like this (tr...
by charis23
Sat Jan 13, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: 2017 HR Block tax federal tax update won't install
Replies: 11
Views: 3626

Re: 2017 HR Block tax federal tax update won't install

I have had this problem in the past with the Mac version. If you have any external drives connected to your computer, disconnect them and the update should proceed correctly. This worked for me. Especially if you have the H&R Block image file still loaded, the upgrade hangs. I wound up just re-down...
by charis23
Tue Jan 02, 2018 2:31 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 167
Views: 17155

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

First time trying this. My guess is 3208.
by charis23
Tue Dec 12, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 61
Views: 12918

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

Thanks for sharing this. Will try out H&R Block this year. Has anyone ever done their taxes with both TurboTax and H&R Block and spotted any differences?
by charis23
Sun Dec 03, 2017 12:34 am
Forum: Investing - Theory, News & General
Topic: Podcasts for Bogleheads?
Replies: 32
Views: 8996

Re: Podcasts for Bogleheads?

Two financial podcasts I like are: Radical Personal Finance (Joshua Sheats): https://radicalpersonalfinance.com/ - Not 100% bogleheads related stuff but I appreciate how he often takes a non-traditional view on personal finance topics. Animal Spirits: A new podcast from Ben Carlson - https://itunes....
by charis23
Sun Dec 03, 2017 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6799

Re: Southwest Companion Pass [California only]

Has anyone actually gotten their companion pass (from the promotion) enabled yet? My wife did this one, and we've already gotten the bill that includes the first purchase, but companion status is not showing up on Southwest yet. I'm not all that worried about it (I think they said to allow up to 30...
by charis23
Tue Nov 28, 2017 1:42 am
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 4018

Re: CAR: Buy new, buy used (2016), lease new

OP, seems like I was in your shoes just 2 months ago. I pulled the trigger and bought a 2017 Civic EX (w/ Sensing) a couple months ago. I love the car by the way. I basically did a few rounds of online negotiation before going into a dealer. Just to give you a benchmark, this was what I was able to ...
by charis23
Thu Oct 26, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6799

Re: Southwest Companion Pass [California only]

As I read the offer on the points guy, Southwest must email or mail you this offer. It is not something you can just randomly signed up for. Other restrictions apply. I hope I am incorrect, but this is what I am reading… I heard this too. I know some friends applied even though they were not specif...
by charis23
Wed Oct 25, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6799

Southwest Companion Pass [California only]

I thought I'd post what I think is a ridiculous "deal" but only for California residents. California residents can get a Southwest companion pass by just opening a credit card and making one purchase: https://creditcards.chase.com/a1/southwest/PlusCali. If you haven't heard of the companion pass bef...
by charis23
Thu Jun 22, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Free Cell Phone Plans for a Year @ Sprint
Replies: 29
Views: 7741

Re: Free Cell Phone Plans for a Year @ Sprint

Got both DW and my numbers ported over yesterday and my account is all setup online. Still feels too good to be true that they're giving away a year of unlimited service. Got this notification in my email today too: You are well on your way to saving over $900 in your first year with Sprint, compare...