Search found 354 matches

by Gadget
Fri Jul 10, 2020 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

I haven't read all 58 pages of posts in this thread, curious if there's a post - or something in the forum wiki - that explains what situations are attractive to refi providers to provide good deals, vs what's not. I'd reached out to a couple of refi providers whose sites provided me far worse #s t...
by Gadget
Thu Jul 09, 2020 5:45 pm
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 109
Views: 6674

Re: Password vault or generator?

I can't think of any good reasons why a private equity firm would buy Lastpass. Umm...I can...because it's profitable? Well, I meant good reasons from a user perspective. Not the company... Google Elliot Management. They're an activist investor that bought Lastpass via LogMeIn. One of their favorit...
by Gadget
Thu Jul 09, 2020 8:13 am
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 109
Views: 6674

Re: Password vault or generator?

acegolfer wrote:
Wed Jul 08, 2020 3:35 pm
I switched from Lastpass to Bitwarden after Lastpass was sold to a private equity.
I left Lastpass because of this too. I can't think of any good reasons why a private equity firm would buy Lastpass. They must think they can track and/or sell user data somehow.
by Gadget
Thu Jul 09, 2020 7:49 am
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 166
Views: 12012

Re: Cybersecurity and passwords

^^^My wife and I use the paid subscription version of Dashlane and can share all passwords and secure notes across multiple platforms. That's relatively new though right? I think Dashlane came out with that shortly after the review I wrote back in February 2020. Might be a good option for people to...
by Gadget
Tue Jul 07, 2020 10:10 am
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 109
Views: 6674

Re: Password vault or generator?

Myki is a free offline password manager that works on Android, IOS, Linux, macOS and Windows. It has the capability to sync between personal devices securely in your home/on your local network rather than in "the cloud". I don't think this should be a bogleheads recommendation. Maybe it's fine, but...
by Gadget
Mon Jul 06, 2020 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 174
Views: 33762

Re: Best cash-back credit card right now?

For those posters with multiple BoA CR cards, is there an easy way to check on & track quarterly spend so you know when you hit the $2,500 quarterly limit? I recently converted a different BofA product to CR (took one phone call). I now have 2 BofA CR cards and 1 BofA Premium Rewards card. I agree ...
by Gadget
Mon Jul 06, 2020 9:35 am
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 7511

Re: does anyone have a subscription to youtube tv?

Honestly for me, the TTTV interface/DVR/flexibility is so much nicer than cable TV that it would have to get more expensive than cable for me to go back to cable. Even with the recent price hike, YTTV is still quite a bit cheaper than cable for all of my TVs at home. Even bundled with Philo at $20/m...
by Gadget
Sat Jul 04, 2020 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

for those who have refinanced multiple times before, what's your threshold for when it's worthwhile? most threads talk about about it terms of the expectation you'll still be living in your home. but what about the actual cost savings? For me, .375% or more of a rate decrease and a no cost refi. If...
by Gadget
Sat Jul 04, 2020 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Who has long term care insurance?
Replies: 117
Views: 5658

Re: Who has long term care insurance?

I struggle to see how it wouldn't be much better to fund an HSA if you're young and earmark it as a long term care plan. Invest it in the market and pretend it doesn't exist for years unless you fall on hard times and have a medical emergency. When I looked at pricing for LTC plans for us in our 30s...
by Gadget
Fri Jul 03, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Can Mortgage Rates Not Go Lower Than 2.25% Yet?
Replies: 3
Views: 984

Re: Can Mortgage Rates Not Go Lower Than 2.25% Yet?

I thought I saw some rates of 2.0% with insanely high closing costs when I was shopping around recently. But I shopped around so much that i have no idea where that was.
by Gadget
Wed Jul 01, 2020 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

Update on my Better process: Locked: June 15 Closing: July 1 (notary coming to my house after business hours to fit our schedule) Loan Amount: $205,000 Rate: 2.375% Years: 15 A+B+C=$2609.53 E=$276 A+B+C+E-AMEX=$385 Median Credit Score for mortgage: 770 (too many credit card sign up bonuses I think.....
by Gadget
Sun Jun 28, 2020 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 616
Views: 154725

Re: Bank of America/Merrill Edge - Preferred Rewards

I am not sure which code i have used. I will check with them. What is the best Cash balance account to keep the money? Thanks There are no good cash options at Merrill Edge. Most people keep ETFs like VTI or something as part of their normal stock allocation. There are no transaction fees at Merril...
by Gadget
Fri Jun 26, 2020 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: having trouble with credit bureaus
Replies: 16
Views: 923

Re: having trouble with credit bureaus

Maybe it's just because you lost the pins. I recently did a temp unfreeze at all 3 beaures online and it took me less than 5 minutes total. But I had my passwords and pins saved in 1password for all 3.
by Gadget
Fri Jun 26, 2020 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

Brain, I closed with AIM back in March at the same rate and term (no cash out or escrow). No cost to me except prepaids which I was able to reduce a tad due to lender credit. My appraisal was waived . I found nothing fishy about their process and customer service was excellent. I would not hesitate...
by Gadget
Thu Jun 25, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

I am just starting the refi process. I have a "closing costs worksheet" from Northpointe Bank. I got on the LenderFi website, entered my info, and generated their various options for a 15-year fixed. For each option, LenderFi's costs and fees were at least $2,000 higher than Northpointe's, mainly d...
by Gadget
Thu Jun 25, 2020 10:05 am
Forum: Personal Consumer Issues
Topic: roof attic fan
Replies: 42
Views: 2526

Re: roof attic fan

This is only one datapoint, but my neighbor installed one of these 3-5 years ago. He documented his electricity bills before and after the change and attempted to calculate his energy savings in cooling vs energy cost in running the fan. For our climate at least, he said it was basically a wash, wi...
by Gadget
Wed Jun 24, 2020 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

Another datapoint... loanDepot sounded amicable to beat any rate I had. But once I sent them the LE from Better, they pretty much refused to send me any LE. They wanted verbal intent to proceed on the process at loandepot before they'd even provide a competing LE. It sounded like they are aware tha...
by Gadget
Wed Jun 24, 2020 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

Another datapoint... loanDepot sounded amicable to beat any rate I had. But once I sent them the LE from Better, they pretty much refused to send me any LE. They wanted verbal intent to proceed on the process at loandepot before they'd even provide a competing LE. It sounded like they are aware that...
by Gadget
Wed Jun 24, 2020 9:40 am
Forum: Personal Consumer Issues
Topic: roof attic fan
Replies: 42
Views: 2526

Re: roof attic fan

This is only one datapoint, but my neighbor installed one of these 3-5 years ago. He documented his electricity bills before and after the change and attempted to calculate his energy savings in cooling vs energy cost in running the fan. For our climate at least, he said it was basically a wash, wit...
by Gadget
Mon Jun 22, 2020 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

I don't know. I had my owner's policy so I didn't need to look into it any further. As for the number of years back you can go, each state is different. All I know is that NJ is 10 years. Ask the new title company if you can get the reissue rate in your state, and if you can get it, ask what you ne...
by Gadget
Mon Jun 22, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

I don't know. I had my owner's policy so I didn't need to look into it any further. As for the number of years back you can go, each state is different. All I know is that NJ is 10 years. Ask the new title company if you can get the reissue rate in your state, and if you can get it, ask what you ne...
by Gadget
Mon Jun 22, 2020 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

We are refinancing our home, and I'm trying to work out whether to do a no-cost refi or pay points for a lower rate. Situation: Loan would be for ~$670k; LTV ~0.6. FICO 760+. Super-conforming. We're going to be in this house forever (or let's assume so). LenderFi is offering a no-cost at 3.0%, no p...
by Gadget
Sun Jun 21, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1622
Views: 226673

Re: Fidelity as a one stop shop

My daily limit is also $1530. Daily purchase limit is $20,000. No idea if it's always been that way, but I never requested an increase.
by Gadget
Sat Jun 20, 2020 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads Mortgage/Investing/Refinance Calculator
Replies: 0
Views: 221

Bogleheads Mortgage/Investing/Refinance Calculator

The Bogleheads wiki listed a lot of external links for mortgage calculators, but I couldn't find any of them that gave the big picture I wanted to see. You had to use multiple different calculators to see things like interest saved, break even on a refinance, amortization table, etc. And most import...
by Gadget
Sat Jun 20, 2020 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

Has anyone gotten Quicken to match or beat their best offer? Better doesn't do loans in VA so not an option for me. I've tried with Rocket mortgage with the $2500 amex credit being offered but had a snotty agent who flat out said they won't match other online companies like LoanDepot as Rocket/Quic...
by Gadget
Fri Jun 19, 2020 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

I thought you were saying that you need the lender policy (or proof of a lender policy) to get the reissue rate. But everything I read says that you need to provide the owner's policy, or proof thereof. This seems to jive with what I've found. Better.com told me that since I didn't use them in my l...
by Gadget
Fri Jun 19, 2020 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

So on title insurance... I'm curious on different peoples rates. Better.com lists mine as $2200 for title lenders title insurance and title settlement fee in Box C. I thought that was outrageous, but in my state, I can't find anyone cheaper. I even called my last title company and asked for a re-iss...
by Gadget
Thu Jun 18, 2020 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

Just a quick note on the Better $2,500 Amex bonus. There have been previous posts were people have checked with Amex and were told that the email on the eligible CC needs to match the email that is in the Better account. People have said that they changed the Better email using the provided utility...
by Gadget
Thu Jun 18, 2020 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

After 4 weeks, I am finally closing with Better on Friday. I was not happy with the title company they used (Title365) as there were numerous delays during the process. I had initially wanted to use my own title company but Better convinced me not to because they said it would delay the process. We...
by Gadget
Thu Jun 18, 2020 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

After 4 weeks, I am finally closing with Better on Friday. I was not happy with the title company they used (Title365) as there were numerous delays during the process. I had initially wanted to use my own title company but Better convinced me not to because they said it would delay the process. We...
by Gadget
Thu Jun 18, 2020 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

Has anyone had good results using the $2500 Amex credit offer with Rocket Mortgage for a refi? Better doesn’t serve my state. I couldn't get Rocket to compete because Rocket would only take an official Loan Estimate from a competitor on the same day the LE was printed. Mine was from yesterday. Thei...
by Gadget
Thu Jun 18, 2020 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

With a LenderFi I got a better deal after filling out the full application as well and getting a real LE vs. just looking at the quick online form estimate. Appraisal waived too. Better wouldn't play along and match though, I was hoping to get a match and then the Amex promo on top. Maybe my loan b...
by Gadget
Thu Jun 18, 2020 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

Bogleheads Mortgage Calculator Here's my mortgage calculator/refinance spreadsheet. It's an Excel file, but with my new version Google Docs seems to automatically adjust for all the formulas if you save it as a Google Sheets document. If you want the Excel version, just download it. There are no ma...
by Gadget
Thu Jun 18, 2020 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

I made a Bogleheads Mortgage Calculator in Excel. The first sheet shows an amortization table for your current mortgage, and gives an analysis of investing monthly at a given annual return vs putting extra principal payments into the mortgage. The second sheet takes what you entered from your curren...
by Gadget
Wed Jun 17, 2020 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

Much of this will depend on what the closing costa are. Please provide what LenderFi has in Sections A, B, C, and E (or if on the initial screen vs. a Loan Estimate, what are the closing costs without counting “escrow” or “prepaid interest”). Also, what’s the motivation for refinancing? Do I have t...
by Gadget
Tue Jun 16, 2020 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Pl post good 15 year Mortgage rates
Replies: 11
Views: 1313

Re: Pl post good 15 year Mortgage rates

Locked rate at better.com on 15 year 2.375% with $1100 in total closing costs after the $2500 AMEX rebate. 4 month break even for me. As per Amex, this offer is good for all valid Amex card members but I saw this here https://slickdeals.net/f/13700090-amex-offer-2-500-statement-credit-for-home-refi...
by Gadget
Tue Jun 16, 2020 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

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 Gadget
Tue Jun 16, 2020 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Pl post good 15 year Mortgage rates
Replies: 11
Views: 1313

Re: Pl post good 15 year Mortgage rates

Locked rate at better.com on 15 year 2.375% with $1100 in total closing costs after the $2500 AMEX rebate. 4 month break even for me.
by Gadget
Sun Jun 14, 2020 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

Just got a better.com counter to LenderFi for 2.375% on a 15 year fixed with $3500 closing costs, which with the $2500 amex credit would be just $1000 closing costs. It seems like the common advice around here is to have $0 closing costs, but this one looks tempting. We'll be staying in this home fo...
by Gadget
Fri Jun 12, 2020 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

I'm getting LenderFi quotes of 2.375 for a 15 year with $4400 in closing costs. If I can get Better to match that and knock an additional $2500 off with the Amex credit, I'll be happy. My better rep is just really slow and won't do anything unless I give him official estimates from competitors.
by Gadget
Tue Jun 09, 2020 5:55 pm
Forum: Personal Investments
Topic: Merrill Edge Emergency Fund Holding
Replies: 9
Views: 564

Re: Merrill Edge Emergency Fund Holding

From what I've seen the preferred rewards just aren't that interesting. They are dangling a large carrot in mortgage reduction with a total $ value with the bank. Short term I'm going to make sure I hit that number. I'm going to give them an honest shot at winning my business (not like Vanguard is ...
by Gadget
Mon Jun 08, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228608

Re: Refinance Mega Thread

FYI, just got off the phone with Bank of America. They will no longer match any competing offer. He said that was a new rule. About all they would give me is a .25% reduction for Platinum Honors. Didn't care about bringing new assets from other brokerages. And a $600 fee reduction. Best they'd offer...
by Gadget
Sun Jun 07, 2020 9:25 am
Forum: Investing - Theory, News & General
Topic: Anyone not bother with Tax Loss Harvesting?
Replies: 116
Views: 7275

Re: Anyone not bother with Tax Loss Harvesting?

Your comments re-iterate a total myth that seems to linger here on Bogleheads.org and other places still. I just don't know why this falsehood keeps popping up. The reality is that all brokerages nowadays keep track of your lots, your unrealized capital gains/losses, your buy/sell dates, and your r...
by Gadget
Sat Jun 06, 2020 10:28 am
Forum: Personal Investments
Topic: High ER and Loads.
Replies: 10
Views: 540

Re: High ER and Loads.

Have him take a look at what his advisor is costing him with the graph in the below thread. Even assuming his high ER fund outperforms in the long run (it likely won't), it has no chance of outperforming after subtracting the additional advisor fees. Visualizing the Devastating Impact of Fees Then, ...
by Gadget
Fri Jun 05, 2020 9:19 am
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 109
Views: 6674

Re: Password vault or generator?

I have been using LastPass for several years. What confounds me is that while it works fine on web sites, I cannot get it to work on apps. For example, I use TuneIn on my browser and as an app. I cannot get LP to pop up the window on the app. Anyone else have that problem? I don't use that particul...
by Gadget
Thu Jun 04, 2020 1:50 pm
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 109
Views: 6674

Re: Password vault or generator?

I sat down the other day to try and tidy some things up passwords wise...good lord I have about 50 different things I log into with it seems about 75 passwords....anyone have a better plan? Thanks in advance!! I’ve been a Keepass user for years but I recently tried 1Password, Lastpass, and Bitwarde...
by Gadget
Sun May 24, 2020 8:09 pm
Forum: Personal Investments
Topic: Question about Edward Jones disapproval
Replies: 44
Views: 4599

Re: Question about Edward Jones disapproval

Edward Jones saga

(Link formatted by moderator oldcomputerguy)
by Gadget
Sat May 23, 2020 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you change passwords on your investment accounts?
Replies: 42
Views: 2838

Re: How often do you change passwords on your investment accounts?

In my fire-proof safe, I have a paper with my master passwords listed, plus a list of back-up Google Authenticator codes, just in case something happens to me where I happen to forget that information. There's no indication of the accounts or password files that those are tied to, so I doubt any ra...
by Gadget
Wed May 20, 2020 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Eliminates Reg D Transfer Limits
Replies: 12
Views: 1518

Re: Fed Eliminates Reg D Transfer Limits

This site seems to be unclear if it's permanent or temporary as well. But it showed that an interim rule does not mean a temporary rule.

https://www.depositaccounts.com/blog/20 ... ounts.html
by Gadget
Wed May 20, 2020 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Eliminates Reg D Transfer Limits
Replies: 12
Views: 1518

Re: Fed Eliminates Reg D Transfer Limits

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