Search found 40 matches

by KeepinItPositive
Fri Sep 18, 2020 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569654

Re: Refinance Mega Thread

Got 2 LEs from a lender today 2.5 with -450 cost and 2.375 with 450 cost for 30 year fixed. Tempted to go with 2.375 due to lower interest rate because I will pay less interest in long term which would weigh more than $900 diff but want to get thoughts from this group if that makes sense. PS: Cost ...
by KeepinItPositive
Fri Sep 18, 2020 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569654

Re: Refinance Mega Thread

Got 2 LEs from a lender today 2.5 with -450 cost and 2.375 with 450 cost for 30 year fixed. Tempted to go with 2.375 due to lower interest rate because I will pay less interest in long term which would weigh more than $900 diff but want to get thoughts from this group if that makes sense. PS: Cost ...
by KeepinItPositive
Sun Sep 13, 2020 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569654

Re: Refinance Mega Thread

How important is the role of the title company in a refinance? For my refi over the summer I used my local title company which gave me some piece of mind. I’m looking at the possibility of doing another one if rates drop lower and was curios if this group thought there was any downside to just using...
by KeepinItPositive
Sun Aug 30, 2020 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: .5% mortgage refinance fee delayed from Sept. 1 to Dec. 1
Replies: 1
Views: 284

Re: .5% mortgage refinance fee delayed from Sept. 1 to Dec. 1

You can always ask, although it may take getting quotes from other lenders and abandoning the lenderfi refi.

If you haven’t already, suggest you post this to the refinance mega thread
by KeepinItPositive
Sat Aug 29, 2020 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Calculator to help decide traditional vs Roth 401k
Replies: 4
Views: 369

Re: Calculator to help decide traditional vs Roth 401k

FiveK wrote: Sat Aug 29, 2020 11:59 am To augment the wiki, particularly the part about Estimating future marginal tax rate, the Personal finance toolbox is useful if you have some Excel knowledge.


That's a really neat toolbox, thanks for pointing it out to me!
by KeepinItPositive
Sat Aug 29, 2020 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Calculator to help decide traditional vs Roth 401k
Replies: 4
Views: 369

Calculator to help decide traditional vs Roth 401k

I’m trying to better assess likely rmds as part of the decision of how much to allocate to Roth 401k vs traditional 401k.

I can create something manually, but was wondering if anyone has seen something online to help up the analysis.
by KeepinItPositive
Sat Aug 29, 2020 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569654

Re: Refinance Mega Thread

On my refi with better, I asked for other rate/terms options before the initial closing disclosure was generated but they said their system was showing me as “ineligible” for any other combos. I’m trying to figure out what was going on in case I do another one.

Anyone else run into this?
by KeepinItPositive
Sun Aug 23, 2020 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569654

Re: Refinance Mega Thread

Loan cabin is currently advertising 2.375/30 from their website.

Has anyone gotten this in the last week or so from them? Is there a catch lurking?
by KeepinItPositive
Sat Aug 22, 2020 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569654

Re: Refinance Mega Thread

Currently I have a 2.75/30 locked in with about 1500 coming back to me (lender credits exceed loan costs) I’ve asked the lender how much it would cost to go down to 2.625/30 or what the closest 15 year is on my rate sheet, but am having trouble getting the answer out of them. Questions for this grou...
by KeepinItPositive
Mon Aug 17, 2020 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569654

Re: Refinance Mega Thread

Hello Everyone, I'm hoping someone can help me understand how to compare two options. So far I've only seen discussions on comparing rate quotes and fees between two lenders but haven't seen much talk about loan amount vs. payoff amount. In my specific scenario, LF provided an LE for 2.5% 30yr fixe...
by KeepinItPositive
Mon Aug 17, 2020 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569654

Re: Refinance Mega Thread

Wow... Currently just about to close on a 2.75/30/no cost with better and just had lenderfi call me up because we hadn’t chatted in a few weeks offering 2.50/30/no cost. Just got off the phone, I’m inclined to go ahead and get my current one closed (bird in hand) but wonder how soon I could start a...
by KeepinItPositive
Fri Aug 14, 2020 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569654

Re: Refinance Mega Thread

My rate lock expires on the 17th and am not yet clear to close with better (My understanding is the delay is on their end) With this new fee I am concerned they will not extend the rate lock. Anyone have any experience or reasonable guesses as to how this might play out? Nothing to worry about. My ...
by KeepinItPositive
Fri Aug 14, 2020 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569654

Re: Refinance Mega Thread

My rate lock expires on the 17th and am not yet clear to close with better (My understanding is the delay is on their end)

With this new fee I am concerned they will not extend the rate lock. Anyone have any experience or reasonable guesses as to how this might play out?
by KeepinItPositive
Mon Aug 10, 2020 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569654

Re: Refinance Mega Thread

We're into underwriting with Better now, but they took the latest LE from our current local lender on Friday and matched it. I think I'm going to call this a done deal and keep watching to see if rates somehow continue to drop even further. :o $268K, 30 yr fixed, 2.500%, No Escrow A+B+C = $1110 E+F...
by KeepinItPositive
Thu Aug 06, 2020 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569654

Re: Refinance Mega Thread

Wow... Currently just about to close on a 2.75/30/no cost with better and just had lenderfi call me up because we hadn’t chatted in a few weeks offering 2.50/30/no cost. Just got off the phone, I’m inclined to go ahead and get my current one closed (bird in hand) but wonder how soon I could start a...
by KeepinItPositive
Thu Aug 06, 2020 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569654

Re: Refinance Mega Thread

Wow... Currently just about to close on a 2.75/30/no cost with better and just had lenderfi call me up because we hadn’t chatted in a few weeks offering 2.50/30/no cost. Just got off the phone, I’m inclined to go ahead and get my current one closed (bird in hand) but wonder how soon I could start an...
by KeepinItPositive
Thu Jul 16, 2020 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8156
Views: 569654

Re: Refinance Mega Thread

For those that have gotten no cost refis at these great rates.....

Have you used the original purchase title company to get those fees down through a renewal or just gone with the company??
by KeepinItPositive
Mon Jun 08, 2020 3:46 pm
Forum: Personal Investments
Topic: Thoughts wanted [No longer want to deal with portfolio tilt (tracking error)]
Replies: 9
Views: 578

Re: Thoughts wanted [No longer want to deal with portfolio tilt (tracking error)]

About 3 years ago I found this forum, read a whole bunch of books and formed a slice-n-dice portfolio leaning moderately into the size and value factors. Looking back I’m finding I’m having a harder time dealing with the tracking error of tilting than I thought I would and am trying to figure out n...
by KeepinItPositive
Mon Jun 08, 2020 2:00 pm
Forum: Personal Investments
Topic: Thoughts wanted [No longer want to deal with portfolio tilt (tracking error)]
Replies: 9
Views: 578

Re: Thoughts wanted

I use tilts, but find they really only work if one overweights them when they crash. If you didn't buy small-cap value on the morning of May 14th and/or April 1 or March 16, then you probably will not see any outperformance from using SCV. Those are my thoughts. In other words, if you do not have s...
by KeepinItPositive
Mon Jun 08, 2020 10:57 am
Forum: Personal Investments
Topic: Thoughts wanted [No longer want to deal with portfolio tilt (tracking error)]
Replies: 9
Views: 578

Thoughts wanted [No longer want to deal with portfolio tilt (tracking error)]

About 3 years ago I found this forum, read a whole bunch of books and formed a slice-n-dice portfolio leaning moderately into the size and value factors. Looking back I’m finding I’m having a harder time dealing with the tracking error of tilting than I thought I would and am trying to figure out ne...
by KeepinItPositive
Sun Oct 06, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: Buying a house with in slab copper piping
Replies: 34
Views: 4383

Re: Buying a house with in slab copper piping

A few years ago I stumbled across a really helpful forum for radiant and other hvac questions at heatinghelp.com

There are a lot of pros on that give generously of their time for questions like this.
by KeepinItPositive
Sat Apr 07, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 9879

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Any updates? If you are well taken care of at both places, I'd go wherever you think your family would be most happy. If you left, and found that you weren't as happy because the new school didn't have as good of students, facilities, etc, do you think you could move back in say 5 years to your curr...
by KeepinItPositive
Fri Mar 09, 2018 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 9879

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

If money were equal, what would you do?

If it's stay, I'd probably see how close they can get to the other offer and stay if it's within 10-20 percent
by KeepinItPositive
Fri Mar 09, 2018 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 9879

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

If money were equal, what would you do?

If it's stay, I'd probably see how close they can get to and stay if it's within 10-20 percent
by KeepinItPositive
Sun Feb 11, 2018 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking career advice - Software Engineer
Replies: 34
Views: 3639

Re: Seeking career advice - Software Engineer

Keep your head up-- so long as you are with this company, try to focus and continue adding value to them. Don't make it easy for them to cut you next by acting unprofessionally during this difficult time. Best wishes, I went through a similar thing when the economy tanked and its definitely tough. F...
by KeepinItPositive
Tue Feb 06, 2018 12:16 am
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 434
Views: 420714

Re: A time to EVALUATE your jitters

Felt weirdly fine with the past few days. In the past I really fretted the drops (even after significant run ups) but now I am more patient and accepting that these days will come. Many thanks to the fine posters of this forum. Reading throughout the past year or so has better prepared me to handle ...
by KeepinItPositive
Sun Feb 04, 2018 3:12 pm
Forum: Personal Investments
Topic: How to pay off margin and not get killed on taxes
Replies: 28
Views: 4172

Re: How to pay off margin and not get killed on taxes

What are your total monthly expenses at this point?
by KeepinItPositive
Sat Feb 03, 2018 1:52 pm
Forum: Personal Investments
Topic: Advice for a youngin'
Replies: 7
Views: 1138

Re: Advice for a youngin'

A couple thoughts: 1. Good for you for starting to save for your retirement. The first step can be the hardest, so congratulations for getting the ball rolling. 2. I think you need to do some more reading to become confortable with what you are investing in. If you don't, you run the risk of making ...
by KeepinItPositive
Sat Feb 03, 2018 1:32 pm
Forum: Personal Investments
Topic: How to pay off margin and not get killed on taxes
Replies: 28
Views: 4172

Re: How to pay off margin and not get killed on taxes

Op,

I'm sorry that you are in a tough situation. What is monthly shortfall? Do you have other assets available.

You could be wiped out if the market takes a nasty downturn because of the leverage. That is not a risk I'd be willing to take.
by KeepinItPositive
Sat Jan 27, 2018 4:51 pm
Forum: Personal Investments
Topic: Derisking my Portfolio with a Leveraged Mutual Fund
Replies: 38
Views: 3461

Re: Derisking my Portfolio with a Leveraged Mutual Fund

I personally wouldn't do this for a couple reasons 1. Philosophically this feels closer to gambling than slow-and-steady investing to me 2. I'd be very concerned about the behavioral impact when the market turns South. I feel like I would be more capable of staying the course with my own money than ...
by KeepinItPositive
Fri Jul 14, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to keep Wife's Inheritance Separate
Replies: 11
Views: 2149

Re: How to keep Wife's Inheritance Separate

Purpose311,

I admire your willingness to proactively keep your wife's assets separate, it's very honorable of you.
by KeepinItPositive
Thu Jul 13, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Security Alarm Pre-Wire in New Construction
Replies: 25
Views: 6375

Re: Security Alarm Pre-Wire in New Construction

If I had the option I would prewire
by KeepinItPositive
Mon Jun 05, 2017 7:33 am
Forum: Personal Finance (Not Investing)
Topic: New Milestone
Replies: 44
Views: 6231

Re: New Milestone

Congrats!
by KeepinItPositive
Sat May 20, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Removing a Large TV - projector?
Replies: 7
Views: 1231

Re: Removing a Large TV - projector?

If you can darken the room via curtains the Panasonic pt-ae8000u is a nice projector option. It's pretty bright for a home projector at a reasonable price and has lots of placement flexibility. Another option you might consider is mounting the existing TV to the wall and buying a "cabinet"...
by KeepinItPositive
Tue May 02, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts taxes distributions
Replies: 22
Views: 2911

Re: Trusts taxes distributions

Are there any standard ways to specify via beneficiary designations that retirement accounts ought to go to a testamentary trust for there benefit of each of the children in equal parts? Reading the IRS agreements it looks like each custodian handles designations to minors differently with some tra...
by KeepinItPositive
Mon May 01, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts taxes distributions
Replies: 22
Views: 2911

Re: Trusts taxes distributions

Are there any standard ways to specify via beneficiary designations that retirement accounts ought to go to a testamentary trust for there benefit of each of the children in equal parts? Reading the IRS agreements it looks like each custodian handles designations to minors differently with some tran...
by KeepinItPositive
Sun Apr 30, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Trusts taxes distributions
Replies: 22
Views: 2911

Re: Trusts taxes distributions

Thanks all for the replies. Gave me plenty of new things to think about. When we first drafted estate docs I was primarily interested in nominating guardians for our kids, since they are not family. A secondary concern was to make sure that they were provided for if we can't. I initially selected 23...
by KeepinItPositive
Sat Apr 29, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts taxes distributions
Replies: 22
Views: 2911

Re: Trusts taxes distributions

I know this is an older thread but I have questions along the same lines and hoping for a little help I just signed initial estate documents that state that a testamentary trust is to be set up for each of our minor children if both my wife and I pass while they are under 23. Income or principal is ...
by KeepinItPositive
Sat Mar 18, 2017 9:57 am
Forum: Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 72
Views: 9823

Re: How do you cope with regret over selling too soon?

It's definitely understandable that you're feeling regret. I'm sorry you're having a hard time with it.


Know that you had no way of knowing for sure the future direction of the stock and it could have easily gone to zero.

Wishing you peace...