Search found 1193 matches

by bluebolt
Wed Aug 05, 2020 7:57 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 743
Views: 69111

Re: My LenderFi refinance is going well

masterzero wrote:
Wed Aug 05, 2020 7:26 am
Does anyone know if LendeFi can operate in Mass?
Thanks
Yes, they can.
by bluebolt
Tue Aug 04, 2020 12:01 pm
Forum: Personal Consumer Issues
Topic: A dumb vehicle trade-in scenario?
Replies: 33
Views: 2151

Re: A dumb vehicle trade-in scenario?

Over the course of your life, you'll come out ahead if you never borrow money to buy cars. Forces you to only buy cars you can afford. You'll come out ahead if you never *need* to borrow money to buy cars. I've come out ahead by being willing to pay cash, but taking attractive financing deals at lo...
by bluebolt
Tue Aug 04, 2020 8:19 am
Forum: Personal Consumer Issues
Topic: A dumb vehicle trade-in scenario?
Replies: 33
Views: 2151

Re: A dumb vehicle trade-in scenario?

Over the course of your life, you'll come out ahead if you never borrow money to buy cars. Forces you to only buy cars you can afford. You'll come out ahead if you never *need* to borrow money to buy cars. I've come out ahead by being willing to pay cash, but taking attractive financing deals at lo...
by bluebolt
Sun Aug 02, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9086

Re: Paying cash for a new car... should I let them run my credit?

While I would agree a credit drop is no big deal to most people here, a hard credit check stays on your credit report for 2 years, not a month. And for those with marginal credit, it can make a difference. Hard inquiries only count against your FICO score for the first twelve months (https://www.my...
by bluebolt
Fri Jul 31, 2020 9:37 pm
Forum: Personal Consumer Issues
Topic: Replacing appliances--buy dumb
Replies: 53
Views: 4230

Re: Replacing appliances--buy dumb

I bought a new dishwasher recently and it outperforms my previous one on capacity, quietness, cleaning, and drying.
I bought a new refrigerator recently and it is much quieter and more energy efficient than the one it replaced.
by bluebolt
Tue Jul 28, 2020 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4579
Views: 313388

Re: Refinance Mega Thread

Interesting, something to think about. Although, I think I am going to wait 6 months before my next refi, I don't want to burn any bridges with LenderFi. Hopefully LenderFi proactively contacts me in 6 months if rates are 0.5% lower than what I just closed on with LenderFi (2.75% 30yr fixed), it so...
by bluebolt
Tue Jul 28, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: Adding a light to an existing 3 way circuit
Replies: 26
Views: 1723

Re: Adding a light to an existing 3 way circuit

I think a Lutron Caseta switch with any number of Pico remotes (wall mount or pedestal) can do what yOu want. I am not an electrician. I have used this solution with much success for the following scenarios: 1) Adding an additional switch to an existing wired three-way switch for an entrance/top of...
by bluebolt
Tue Jul 28, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 351
Views: 43836

Re: Don't pay full price for SiriusXM radio

sambb wrote:
Tue Jul 28, 2020 8:31 pm
What is included, and what isnt included in the 60/year rate?
Here's the comparison of Select vs All Access. The former is the $60/yr plan:
https://www.siriusxm.com/ourmostpopularpackages
by bluebolt
Tue Jul 28, 2020 6:25 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 351
Views: 43836

Re: Don't pay full price for SiriusXM radio

As a side note I hate companies that operate like this, just tell me the price up front and don't make my subscription auto renew for outrageous prices. I can understand that position. However, the fact that they are charging others higher prices allows them to charge less to others. If there was j...
by bluebolt
Sat Jul 25, 2020 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4579
Views: 313388

Re: Refinance Mega Thread

Last month I refinanced a HELOC with a one-year intro rate of 2.99% (Prime - 2.26%) and a rate of Prime - 0.5% after that. I'm interested in refinancing a HELOC, so could you mention who you did that with? It was a local bank here in the Northeast. They don't write loans in NM. It was also a promo ...
by bluebolt
Fri Jul 24, 2020 6:32 am
Forum: Personal Consumer Issues
Topic: First time homebuyer - things to keep in mind
Replies: 31
Views: 2363

Re: First time homebuyer - things to keep in mind

stickman731 wrote:
Fri Jul 24, 2020 6:14 am
4. No corner property
The other suggestions make sense to me, but why not a corner property?
by bluebolt
Sun Jul 19, 2020 9:33 am
Forum: Personal Consumer Issues
Topic: Stainless steel appliance cleaner - need recommendation
Replies: 42
Views: 2027

Re: Stainless steel appliance cleaner - need recommendation

One reviewer's opinion: The best stainless steel cleaner in 2020: TriNova, Weiman, and more . Weiman products have done well for us, but we've hardly conducted rigorous comparison tests. Good luck! +1; We too use Weiman wipes, and found them easy to use, and effective. Available at Target, Home Dep...
by bluebolt
Tue Jul 14, 2020 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4579
Views: 313388

Re: Refinance Mega Thread

Hi! Does getting a HELOC impact refinance if it’s not used? I’ve seen question on sites asking “do you have a heloc” when you’re selecting “refinance” to get quotes. There not sure of it is seen as an issue. I want to take a HELOC but at really considering refinancing again considering many of you ...
by bluebolt
Mon Jul 13, 2020 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 743
Views: 69111

Re: My LenderFi refinance is going well

Emailed my LenderFi loan officer from my January 2020 refinance. Despite the website disclaimer indicating no new loans, he locked me in a new "no-cost" 30 year fixed loan at 2.75%. Its a pretty big loan and about a 50% LTV. Very pleased. I also had a refi through them in January and emailed my loa...
by bluebolt
Sat Jul 11, 2020 6:53 pm
Forum: Personal Consumer Issues
Topic: New locks for doors - any recommendations?
Replies: 21
Views: 1336

Re: New locks for doors - any recommendations?

I personally have regular old locks. Honestly, no lock will prevent somebody from breaking into your home if they have any amount of determination. Anybody willing to break glass can be in my house in ten seconds. If you have a broken window, then you have signs of forced entry, which could be usef...
by bluebolt
Sat Jul 11, 2020 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your money for quarterly estimated tax payments?
Replies: 50
Views: 3255

Re: Where do you keep your money for quarterly estimated tax payments?

FrugalInvestor wrote:
Thu Jul 09, 2020 10:13 pm
I used to keep it in a Vanguard money market fund but this year have moved to an Ally online savings account. Another option is a penalty-free CD with Marcus Bank. All earn around 1% now, which is 1% better than zero.
After taxes it might only be 0.5% better than zero.
by bluebolt
Fri Jul 10, 2020 7:08 am
Forum: Personal Consumer Issues
Topic: Motorola G7 update to Android 10.. Don't do it
Replies: 6
Views: 710

Re: Motorola G7 update to Android 10.. Don't do it

I swore off Motorola when the promised Android upgrade to the phone I purchased came out two years(!) after Google released the upgraded OS version. And no updates from Motorola on when to expect the upgrade during that entire time.
by bluebolt
Thu Jul 09, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: Need advice for raspberry pi
Replies: 39
Views: 2847

Re: Need advice for raspberry pi

Arduino’s, PI’s and others like them, are not ideal for this age group, if the intent is to develop a certain set of necessary skills. I would agree that is true in general. If your child has already shown an interest in computers, programming, building stuff, it might be appropriate at this age, b...
by bluebolt
Thu Jul 09, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?
Replies: 153
Views: 7627

Re: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?

if it will make you happy, get it. you seem to have the right approach to finances and evaluate purchases with value in mind. i just bought a plain black LV hoodie for $1100 bc I really like hooded sweatshirts. looks 90% the same as the amazon basics one I wearing right now that was $20. expensive ...
by bluebolt
Wed Jul 08, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4579
Views: 313388

Re: Refinance Mega Thread

I guess what I’m asking after thinking about it. For future reference, if I decide to refi again. Is it better to get a loan estimate base on your current balance or your payoff amount? Or does it not even matter as all the numbers will Eventually be the same during closing Sorry if I’m getting con...
by bluebolt
Tue Jul 07, 2020 8:13 am
Forum: Personal Finance (Not Investing)
Topic: HELOC lender won't release lien on property
Replies: 3
Views: 720

Re: HELOC lender won't release lien on property

Third Federal is correct. The letter should be sufficient for the new Bank to close on the new loan. This happens regularly with almost every closing. I had to close a HELOC as part of a recent refi. The new bank accepted a letter from the old bank stating that the loan was paid and closed. Neither...
by bluebolt
Sun Jul 05, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: Boglehead Way to buy an Audi
Replies: 91
Views: 5773

Re: Boglehead Way to buy an Audi

If you haven't already, go sign up for an account at audiworld.com. There's a forum dedicated to the latest Q5 version. You can also search older threads for the prices people were getting.

If you can get 10-13% off MSRP, it might be worthwhile buying new rather than used or CPO.
by bluebolt
Sun Jul 05, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Boglehead Way to buy an Audi
Replies: 91
Views: 5773

Re: Boglehead Way to buy an Audi

Are you asking the best way to purchase a Q5 now that you've decided that's what you want?
Or, are you asking if you should consider other vehicles/rethink your decision?
by bluebolt
Sat Jul 04, 2020 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Lender is asking for 5 months of Property Taxes and Homeowner's Insurance. Is this normal?
Replies: 28
Views: 3051

Re: Lender is asking for 5 months of Property Taxes and Homeowner's Insurance. Is this normal?

It comes out to being $2700. Its not bank breaking just alarming because our loan estimated stated 2 months. Not even a month later and the final disclosure is 2.5x what we were originally shown. When we recently refinanced, our estimate went from 3 months to 5 months of taxes due to the timing. A ...
by bluebolt
Thu Jul 02, 2020 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4579
Views: 313388

Re: Refinance Mega Thread

Can anyone direct me to the specifics regarding LenderFi's clawback provision? I refinanced back in March and in going through my loan documents, I don't see any mention of a clawback provision, though with hundreds of pieces of paper, I could easily be missing it. Here was the language. I don't re...
by bluebolt
Thu Jul 02, 2020 7:34 am
Forum: Personal Consumer Issues
Topic: FYI - Disney+
Replies: 44
Views: 7064

Re: FYI - Disney+

My 5-year old son and I are excited to watch Hamilton on Disney+. My wife and I saw it in the theatre before I knew all the songs. I’m assuming Hercules Mulligan will cut out the one “bad word” that he says in the theatre, or I’ll mute it quickly when I know it’s coming. The F bombs are all changed...
by bluebolt
Wed Jul 01, 2020 9:55 pm
Forum: Personal Consumer Issues
Topic: FYI - Disney+
Replies: 44
Views: 7064

Re: FYI - Disney+

quantAndHold wrote:
Wed Jul 01, 2020 3:21 pm
Hmmm. Apparently there's a 7 day free trial. https://www.disneyplusfreetrial.com

Awesome.

I doubt we'll ever watch anything on Disney+ besides Hamilton. We're not really TV watchers. But we'll take a look during the trial period.
No longer valid.
by bluebolt
Tue Jun 30, 2020 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need start using trusts, LLCs, etc
Replies: 10
Views: 730

Re: Do I need start using trusts, LLCs, etc

The internet is a terrible place to get legal advice. Nevertheless here are some reasons people may consider using trusts or other complex structures: 1) Taxes - specifically estate and inheritance taxes 2) Divorce - The main one would be if their kids get a divorce and they want to keep assets out...
by bluebolt
Tue Jun 30, 2020 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4579
Views: 313388

Re: Refinance Mega Thread

Has anyone refinanced with a new lender shortly after closing a refi with LenderFI? It has been three months since closing a refi with LenderFI but with rates continuing to drop I would like to refi again. I know LenderFI verbally said I needed to wait 6 months but I think that was a deterrent to k...
by bluebolt
Tue Jun 30, 2020 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need start using trusts, LLCs, etc
Replies: 10
Views: 730

Re: Do I need start using trusts, LLCs, etc

The internet is a terrible place to get legal advice. Nevertheless here are some reasons people may consider using trusts or other complex structures: 1) Taxes - specifically estate and inheritance taxes 2) Divorce - The main one would be if their kids get a divorce and they want to keep assets out...
by bluebolt
Mon Jun 29, 2020 6:37 pm
Forum: Personal Consumer Issues
Topic: Vacation Rental Refund Disagreement
Replies: 30
Views: 2365

Re: Vacation Rental Refund Disagreement

RM, I appreciate the thoughtful response. To help clear a few items up ... our original booking was inside of 60 days. The cancellation language states "100% refund if you cancel at least 14 days before check-in." In addition to that infamous email, I also have a screen shot of that language on the...
by bluebolt
Sun Jun 28, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Hopeless Civil Engineer
Replies: 155
Views: 14183

Re: Hopeless Civil Engineer

Ok, don't have anything to add to the topic at hand, but hopefully this classic commercial will make you smile:

https://www.youtube.com/watch?v=JdAXq3N2JmE
by bluebolt
Sat Jun 27, 2020 10:44 pm
Forum: Personal Consumer Issues
Topic: Techies provide me best practices
Replies: 38
Views: 3469

Re: Techies provide me best practices

I am not a techie, but set up a separate email account to use with your financial accounts only. Don't give this email address to anyone besides the companies where you have a bank or brokerage account. What is the benefit of doing this? What form of attack are you seeking to prevent? I am assuming...
by bluebolt
Sat Jun 27, 2020 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Forgo a year of retirement contributions to spend on self?
Replies: 45
Views: 3960

Re: Forgo a year of retirement contributions to spend on self?

As you get further along in your life and career and your average investment returns start to dwarf your annual contributions, this becomes a lot easier of a decision. That said, it's a very personal decision as there are some things you can/would do when you're younger that you couldn't/won't do wh...
by bluebolt
Fri Jun 26, 2020 7:32 pm
Forum: Personal Consumer Issues
Topic: iPhone - puzzling problem
Replies: 13
Views: 1168

Re: iPhone - puzzling problem

Does one of them have wifi calling enabled and the other doesn't?
by bluebolt
Fri Jun 26, 2020 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Chronic medical condition & Term Life
Replies: 7
Views: 659

Re: Chronic medical condition & Term Life

Depending on the condition, some insurance companies may change their guidance on what rating you could achieve if the condition is under control/in remission. Your broker would hopefully be able to advise on this. Obviously, not all chronic conditions would fall into this category.
by bluebolt
Fri Jun 26, 2020 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on the Way, Portfolio Check-In and Things to Do Now
Replies: 6
Views: 354

Re: Baby on the Way, Portfolio Check-In and Things to Do Now

Congratulations on expecting! Looks like you've done a great job shedding debt. It also looks like you're set up pretty well with compensation even in a HCOL area. It would be helpful to get a better view of your expenses to give you more specific advice. Assume you'll be looking at day care, so mak...
by bluebolt
Thu Jun 25, 2020 10:17 pm
Forum: Personal Consumer Issues
Topic: Site unseen offer on House
Replies: 39
Views: 3426

Re: Site unseen offer on House

My brother and I are selling a house inherited from our parents. It was to formally go on the market on Monday or Tuesday. Our realtor put out a “Coming Soon” to Realtors. Surprisingly we received a full price offer on the house before the buyer has even been inside the house. It seems odd to get a...
by bluebolt
Sun Jun 21, 2020 4:23 pm
Forum: Personal Consumer Issues
Topic: New construction house - what to consider?
Replies: 160
Views: 9721

Re: New construction house - what to consider?

Don't know what the weather's like where you are, but if you live in a cold weather area, consider getting a heated driveway.
by bluebolt
Sat Jun 20, 2020 4:14 pm
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 105
Views: 11107

Re: Should I sell my stash of dental floss now worth $3,000?

Ricchan wrote:
Sat Jun 20, 2020 2:06 pm
Are you sure there are no strings attached?
This decision may come back to bite you. ;)
Please keep these inci-dental comments out of the thread. They're gumming it up.

Seriously, though. OP should sell.
by bluebolt
Sat Jun 20, 2020 12:08 pm
Forum: Personal Consumer Issues
Topic: APPLE IPAD 10.2 7th gen - What do you use yours for?
Replies: 21
Views: 1373

Re: APPLE IPAD 10.2 7th gen - What do you use yours for?

I had the 32GB and returned it for the 128GB. If you plan on downloading media and want to be able to have more than a few hours at a time, you'll want the larger size. If you don't plan on doing that or having a decent sized photo/video library, the 32GB should be fine.
by bluebolt
Fri Jun 19, 2020 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Refi Options - Jumbo in MA
Replies: 12
Views: 780

Re: Refi Options - Jumbo in MA

Depending on what county you're in, the super conforming limit could be $690K. You could pay it down to get a better rate under that limit (Martha's Vineyard and Nantucket are $765K, but assuming you're not living there). I have a follow up question on this. I spoke with a lender this morning and s...
by bluebolt
Thu Jun 18, 2020 6:00 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 351
Views: 43836

Re: Don't pay full price for SiriusXM radio

but this voodoo "some people pay full price and others get it practically for free" situation is not one in which I'm interested in participating This is a pet peeve of mine. I've cancelled cable tv multiple times over this. A few phone companies, some other random companies. When they ask why I te...
by bluebolt
Wed Jun 17, 2020 5:44 am
Forum: Personal Finance (Not Investing)
Topic: Refi Options - Jumbo in MA
Replies: 12
Views: 780

Re: Refi Options - Jumbo in MA

Depending on what county you're in, the super conforming limit could be $690K. You could pay it down to get a better rate under that limit (Martha's Vineyard and Nantucket are $765K, but assuming you're not living there). I recently did a refi with Lenderfi. Didn't have too much concern sending them...
by bluebolt
Sun Jun 14, 2020 6:27 pm
Forum: Personal Consumer Issues
Topic: Nickeling and diming
Replies: 53
Views: 5390

Re: Nickeling and diming

Don't fall for the percentage fallacy.

http://www.aaronsw.com/weblog/percentagefallacy
by bluebolt
Sun Jun 14, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Prenup? What Should It Say?
Replies: 232
Views: 11555

Re: Prenup? What Should It Say?

My only comment about the prenup is that if you’re already planning on getting divorced, why would you get married in the first place? Because stuff happens. And the best laid plans do not always work out. And saying that having a prenup is "planning on getting divorced" is a simplistic, judgmental...
by bluebolt
Fri Jun 12, 2020 4:05 pm
Forum: Personal Consumer Issues
Topic: Broken Onkyo Audio Receiver Under Warranty. What Recourse do I Have?
Replies: 18
Views: 1080

Re: Broken Onkyo Audio Receiver Under Warranty. What Recourse do I Have?

Wirecutter has some suggestions: https://www.nytimes.com/wirecutter/reviews/best-receiver/ I have been pleased with my Yamaha. I have a set of Sennheiser wireless headphones and a few years ago when I was shopping it was hard to find a receiver that could support a traditional headphone jack that di...
by bluebolt
Mon Jun 01, 2020 8:15 pm
Forum: Personal Consumer Issues
Topic: How to keep chiipmunks from going into gutter/underground drain connection?
Replies: 34
Views: 1768

Re: How to keep chiipmunks from going into gutter/underground drain connection?

I clipped something like this to size and bent it to fit within my pipes. Works like a charm. And because the openings are large, I have not had to clean it out.

https://www.homedepot.com/p/Everbilt-24 ... /204225783
by bluebolt
Sun May 31, 2020 2:36 pm
Forum: Personal Consumer Issues
Topic: Non Fiction books for teenagers
Replies: 52
Views: 2551

Re: Non Fiction books for teenagers

Surely You're Joking Mr. Feynman - not a science or technology book per se, but some great stories by one of the top minds of the 20th century.
by bluebolt
Fri May 29, 2020 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 743
Views: 69111

Re: My LenderFi refinance is going well

For those who have completed the refi with Lenderfi, when would you start the clock on the 6 months/180 days until you can refi without owing them the credits back? The document that I signed with them was about a month before I closed and about 2 months before my first payment was due. Would the c...