Search found 34 matches

by exarkun
Sun Feb 21, 2021 11:13 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2020 software offer
Replies: 413
Views: 30761

Re: H&R Block 2020 software offer

Anyone with h&r block able to share if form 6252 is available in it?

Turbotax will not have it available until March 4th!
https://care-cdn.prodsupportsite.a.intu ... idual.html
by exarkun
Sat Feb 20, 2021 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Importing Schwab 1099's into H&R Block tax - Fail
Replies: 54
Views: 2766

Re: Importing Schwab 1099's into H&R Block tax - Fail

exarkun wrote: Sat Feb 20, 2021 1:34 am Turbotax fails for me with Schwab...
Figured it out; was my AV/firewall
by exarkun
Sat Feb 20, 2021 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Importing Schwab 1099's into H&R Block tax - Fail
Replies: 54
Views: 2766

Re: Importing Schwab 1099's into H&R Block tax - Fail

Turbotax fails for me with Schwab...
by exarkun
Sat Jan 02, 2021 3:24 pm
Forum: Personal Investments
Topic: Too much in our 401k’s?
Replies: 33
Views: 2964

Re: Too much in our 401k’s?

Maybe I missed it, but curious how he is contributing $40k annually to a 401k?
Even if you mean $40k total to both a 401k and roth401k, I believe the annual limit to each (at your age) is $19.5k, $39k total. Is your employer granting 100% match?
by exarkun
Mon Nov 30, 2020 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Has Anyone Seen any Black Friday Quicken Deals?
Replies: 13
Views: 1238

Re: Has Anyone Seen any Black Friday Quicken Deals?

Well, it looks like Newegg is still the only place with a Cyber Monday deal at $22.99 for Deluxe... a great price. :sharebeer ETA https://www.newegg.com/quicken-deluxe-2020-1-year-subscription/p/N82E16832624004?Description=quicken&cm_re=quicken-_-32-624-004-_-Product&quicklink=true Looks li...
by exarkun
Mon Oct 12, 2020 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Bank Gets Failing Grade Over 'Illegal' Practices
Replies: 39
Views: 5504

Re: USAA Bank Gets Failing Grade Over 'Illegal' Practices

They're wong about it not being tied to direct deposit. It requires $1000/month in direct deposits to maintain the 2.5%. When you don't meet this requirement you get a message like this. Hopefully that means they are misinformed and wrong in the rest of their statement... Thank you for choosing USAA...
by exarkun
Fri Oct 09, 2020 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance costs – USAA vs ????
Replies: 24
Views: 2414

Re: Auto insurance costs – USAA vs ????

I read a lot as well about people saying their rates were higher with USAA so checked into it myself . I have the top tier of their insurance and recently used both policygenius and gabi to shop for auto and home rates. Both services came back that I had a better rate than anything they could find. ...
by exarkun
Wed Sep 09, 2020 10:27 am
Forum: Personal Finance (Not Investing)
Topic: ‘Play money’ invested by Dad growing huge - what would you do?
Replies: 109
Views: 15898

Re: ‘Play money’ invested by Dad growing huge - what would you do?

celia wrote: Thu Sep 03, 2020 2:18 am
tim1999 wrote: Wed Sep 02, 2020 10:54 pm I swear I'm the only person not getting rich off Tesla right now. I may buy a share just to put an end to the endless price increase and make it go down.
Please do! I will only buy if it goes down significantly (at least 20%). :D
Did you buy?

OP, did you sell the tesla stock?
by exarkun
Sun Sep 06, 2020 10:05 am
Forum: Personal Finance (Not Investing)
Topic: What is PenFed good at?
Replies: 77
Views: 5948

Re: What is PenFed good at?

Why not keep the $5 savings account and credit card open to help your credit score?
by exarkun
Sun Aug 30, 2020 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Is insuring my wife’s wedding ring worth it?
Replies: 49
Views: 5050

Re: Is insuring my wife’s wedding ring worth it?

At least shop around for a better price. We pay only $98/year with USAA for valuable personal property coverage of $15.5k.
by exarkun
Thu Aug 27, 2020 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10000
Views: 703492

Re: Refinance Mega Thread

FYI Fannie dropped an updated announcement on the adverse market fee. Now applies to loans purchased on or after December 1, 2020. Here’s a link to the lender letter: https://singlefamily.fanniemae.com/news-events/lender-letter-ll-2020-12-new-adverse-market-refinance-fee Someone posted something ab...
by exarkun
Wed Aug 26, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10000
Views: 703492

Re: Refinance Mega Thread

Do you have the $1639 difference where you could make a additional principle payment with the first payment? It wouldn't make much difference in the long run if it's changed now or paid later. HELP I am in closing NOW and have less than an hour before she comes back. The person came for closing but...
by exarkun
Sun Aug 16, 2020 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10000
Views: 703492

Re: Refinance Mega Thread

Yes, as I stated, I think it's a recent development. When I first spoke to Watermark a couple weeks ago and mentioned Bogleheads it meant nothing to them. But a couple days ago I got a big speech about it. It may have just taken them time to put two and two together. Killed the goose that laid the ...
by exarkun
Fri Aug 14, 2020 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10000
Views: 703492

Re: Refinance Mega Thread

exarkun wrote: Thu Aug 13, 2020 12:37 pm See today's change :x

http://www.mortgagenewsdaily.com/mortga ... daily.aspx
Up even more...
by exarkun
Wed Aug 05, 2020 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10000
Views: 703492

Re: Refinance Mega Thread

I locked with LenderFi a couple of weeks ago at 2.75% with a $2200 lender credit. Looking at about $1600 in closing costs (not including pre-paids and escrow). This is apparently a pretty mediocre deal right now. Can I renegotiate with them on an already locked rate, or do I need to let the lock ex...
by exarkun
Wed Aug 05, 2020 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10000
Views: 703492

Re: Refinance Mega Thread

Am I doing this math right/missing something? Current loan: balance $163,890.32 / 3.625% / 10.58 years remain (orig $217k/15-year/Feb 2016) - remaining interest to be paid if nothing changes = $33,382.78 Cash-out refi option: $250,000 / 3.00% / 15 year - total interest paid on new loan = $60,761.74...
by exarkun
Fri Jul 31, 2020 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Extra mortgage payments OR not
Replies: 52
Views: 4992

Re: Extra mortgage payments OR not

NM, figure it out.
by exarkun
Fri Jul 31, 2020 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Extra mortgage payments OR not
Replies: 52
Views: 4992

Re: Extra mortgage payments OR not

Can anyone get the 3f calculator to work? I get 500 - Internal server error. There is a problem with the resource you are looking for, and it cannot be displayed. Works for me. By work, do you mean the page loads or you can actually use the calculator? The page loads for me, but when I enter any nu...
by exarkun
Thu Jul 30, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Extra mortgage payments OR not
Replies: 52
Views: 4992

Re: Extra mortgage payments OR not

This is all the calculators and the description. https://www.mtgprofessor.com/calculators.htm 3f is here: https://www.mtgprofessor.com/calculators/Calculator3f.html Can anyone get the 3f calculator to work? I get 500 - Internal server error. There is a problem with the resource you are looking for,...
by exarkun
Tue Jul 21, 2020 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10000
Views: 703492

Re: Refinance Mega Thread

I gave my intent to proceed with a lender, however another lender came back with better loan estimate closing costs (A+B+C and lender credits). As I haven't paid anything yet, can I basically scrap the intent to proceed and change lenders without paying any costs with the original lender like the or...
by exarkun
Sun Jul 19, 2020 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10000
Views: 703492

Re: Refinance Mega Thread

Neither APR nor APY would work as the only item to compare. Just in case, that wiki page also explains the difference between APR and APY. Hint: They are the same thing expressed over a different period of time. Take your time. If you don't have a spreadsheet program, I recommend LibreOffice Calc ....
by exarkun
Sat Jul 18, 2020 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10000
Views: 703492

Re: Refinance Mega Thread

Neither APR nor APY would work as the only item to compare. Just in case, that wiki page also explains the difference between APR and APY. Hint: They are the same thing expressed over a different period of time. Take your time. If you don't have a spreadsheet program, I recommend LibreOffice Calc ....
by exarkun
Sat Jul 18, 2020 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10000
Views: 703492

Re: Refinance Mega Thread

Not APR. The Time Value of Money equations to the rescue. See the wiki: Comparing investments The investment with the lowest Present Value wins. Give it a shot. If you get stuck, show us what you did and ask for help. If you have no idea what to do, that's OK. Just post the info and we'll help you ...
by exarkun
Fri Jul 17, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10000
Views: 703492

Re: Refinance Mega Thread

This refers to the amount of total costs less lender credits that they are rolling into your new loan. Above that line there should be a section that says "Estimated Cash to Close" and it will have a checked box for either "From" or "To Borrower". My guess is the one s...
by exarkun
Fri Jul 17, 2020 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10000
Views: 703492

Re: Refinance Mega Thread

Anyone else refinance with a VA loan streamline (irrrl)?
How much credit did the lender's give you to offset the VA funding fee and other A+B+C+E costs and how much closing did you pay out of pocket vs rolling into the principle? Are they generally less flexible on offsetting the VA fee?
by exarkun
Wed Jul 15, 2020 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10000
Views: 703492

Re: Refinance Mega Thread

Be aware better is not available in all states. MN for example :(
by exarkun
Mon Jan 13, 2020 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: I Bought Myself Quicken - Now What?
Replies: 40
Views: 3821

Re: I Bought Myself Quicken - Now What?

Bought for the first time this year as part of the turbotax bundle. Spent a few hours inputting accounts. Discovered that Quicken does not seem to work with Thrift Savings Plan or USAA. Likely wont buy again as most of our retirement/banking is completed between these two entities. I've used quicke...
by exarkun
Tue Sep 17, 2019 12:54 pm
Forum: Investing - Theory, News & General
Topic: Index Funds Bubble? [Michael Burry article]
Replies: 254
Views: 34916

Re: Index Funds Bubble? [Michael Burry article]

Another article by the AP today raises similar talking points about distortion and concentration in just a few companies. https://www.apnews.com/f0445635ad504028bfbaace8f778f22c If index funds get control of too much of the stock market, they could distort prices because money will flow into stocks ...
by exarkun
Wed Aug 28, 2019 4:25 pm
Forum: Investing - Theory, News & General
Topic: Index Funds Bubble? [Michael Burry article]
Replies: 254
Views: 34916

Index Funds Bubble? [Michael Burry article]

Haven't seen any discussion on this. Curious what opinions others have. If already discussed, feel free to move this post. Three fund managers may soon control nearly half of all corporate voting power, researchers warn There’s a ‘bubble’ in passive investing, says investor made famous by ‘Big Short’
by exarkun
Thu Jun 28, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2807
Views: 445468

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

investor997 wrote: Thu Jun 28, 2018 10:57 am $200 bonus for depositing only $200 into a new Fidelity Cash Management and/or Fidelity (aka taxable) Account. If you already have either of these, you're not eligible.

https://communications.fidelity.com/pi/ ... urce=offer
Would this $200 be taxable? (generate a 1099-int)
by exarkun
Thu Dec 28, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC quotes IRS on terms of deductibility of prepaid property taxes
Replies: 79
Views: 7443

Re: CNBC quotes IRS on terms of deductibility of prepaid property taxes

In the exact same boat, going down to the county and asking for a bill at lunch. I live in Hennepin County (Minnesota), and they sent out a "Proposed Levies and Taxes" statement back in November which relates to proposed 2018 property taxes. It specifically says, "This is not a bill ...
by exarkun
Thu Dec 28, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 139
Views: 17656

Re: Confusion about prepaying property taxes

All counties in MN send the same "Proposed taxes" statement every fall. As said above, it says "THIS IS NOT A BILL - DO NOT PAY" which (based on the STrib and PPress) people are ignoring and pre-paying anyways. Of course the counties are accepting pre-payments; they're getting th...