Search found 498 matches

by wootwoot
Sun May 24, 2020 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Best credit card perks besides cash/points?
Replies: 19
Views: 1417

Re: Best credit card perks besides cash/points?

Free 2 day shipping with shoprunner if you have an Amex card.
by wootwoot
Sat May 23, 2020 2:39 pm
Forum: Personal Consumer Issues
Topic: Hertz is declaring bankruptcy
Replies: 58
Views: 5122

Re: Hertz is declaring bankruptcy

Sconie wrote:
Sat May 23, 2020 9:02 am
Hertz filed Chapter 11, to reorganize their finances-----not to liquidate. They will keep operating while the bankruptcy moves through the court system.
Liquidation will come later.
by wootwoot
Fri May 22, 2020 8:49 am
Forum: Personal Consumer Issues
Topic: What kind of sunglasses?
Replies: 75
Views: 3677

Re: What kind of sunglasses?

Ray-Ban
by wootwoot
Sun May 17, 2020 2:17 pm
Forum: Personal Investments
Topic: Should a regular investor pump in more money on ETF during this time?
Replies: 14
Views: 956

Re: Should a regular investor pump in more money on ETF during this time?

If you're trying to time a bear market you should wait a little longer. Spy is only 15% off all time highs.
by wootwoot
Wed May 13, 2020 8:40 pm
Forum: Personal Investments
Topic: Excess money in taxable vs 529?
Replies: 23
Views: 1484

Re: Excess money in taxable vs 529?

529, up to your state's tax break if one is available.
by wootwoot
Wed May 13, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10744

Re: Dentist charges $10 for PPE

Ridiculous, I'll have to be on-guard with my dentist's office. If rent or taxes for up will they add a surcharge for that too?
by wootwoot
Wed May 13, 2020 9:34 am
Forum: Personal Investments
Topic: Deferring medical expenses to allow HSA investments to compound.
Replies: 9
Views: 448

Re: Deferring medical expenses to allow HSA investments to compound.

Welcome to the forum! It only makes sense to leave money to compound in your HSA if you are maxing out your other retirement accounts. If you have a $1000 medical bill and $1000 in cash, you can take $1000 out of your HSA to pay it and put the $1000 in cash in your Roth IRA if it is not maxed out. ...
by wootwoot
Fri May 08, 2020 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 4577

Re: 529: Your favorite low cost one?

Is there any reason why we just accept that 529s have to suck in terms of limitations and fees that we would not normally accept for other *heavily regulated* investment vehicles like IRAs and 40X? I recognize the state-specific tax benefits of a 529. I realize that the "administrative fees" are le...
by wootwoot
Thu May 07, 2020 2:31 pm
Forum: Investing - Theory, News & General
Topic: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of
Replies: 60
Views: 7898

Re: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of

Do you realize that you can rollover a 401k into an IRA? Only if you separate from service. And of course you have to navigate the administrative hassle and the potential of being out of the market for some time as a lot of plans don't support in-kind transfers. How many people stay with the same e...
by wootwoot
Thu May 07, 2020 12:08 am
Forum: Investing - Theory, News & General
Topic: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of
Replies: 60
Views: 7898

Re: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of

maybe I'm an outlier but the author is correct on all his points. Yes, I get the issue of 'speculative investments', and as a former C-level company officer, I refused to allow speculative investments into our 401k plan. (HR reported to me.) But, as a result, two of our long time engineers, refused...
by wootwoot
Mon May 04, 2020 7:54 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 222
Views: 12979

Re: Is Disney the most tempting value stock?

Xom is the most tempting value stock.
by wootwoot
Mon May 04, 2020 1:44 pm
Forum: Personal Investments
Topic: What would you invest 50K in?
Replies: 25
Views: 2428

Re: What would you invest 50K in?

A food truck.
by wootwoot
Sun May 03, 2020 8:20 pm
Forum: Investing - Theory, News & General
Topic: Do Paradigm Changes Call for Change In Strategies?
Replies: 24
Views: 1512

Re: Do Paradigm Changes Call for Change In Strategies?

Sounds like market timing. Stay the course! You have a good 30+ years until retirement.
by wootwoot
Sat May 02, 2020 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1461
Views: 134880

Re: Refinance Mega Thread

I just locked a 30 yr fixed @ 2.875% for $249 in points, no origination fee and waived appraisal. $499k loan with $670k estimated value = 74% LTV. I'll end up paying about $1,200 out of pocket including the title work. I thought I had missed the 2 day period where I could get below 3% back in early...
by wootwoot
Fri May 01, 2020 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1461
Views: 134880

Re: Refinance Mega Thread

I would like to see the rates available to me but it seems like everyone wants you to apply before they tell you their rates, when I know darn well that 98% of places don't have a competitive rate right now. Is there anywhere other than Northpointe that is competitive, and showing their rates for w...
by wootwoot
Fri May 01, 2020 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 4577

Re: 529: Your favorite low cost one?

I moved my 529 money from both Utah and Nevada to California, it’s a slam dunk at this ER difference (0.1% difference over 18 years per kid) and paperwork is as easy as that required for a new savings account for those that like to chase yields However, there are other 529 Plan factors to consider ...
by wootwoot
Thu Apr 30, 2020 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 4577

Re: 529: Your favorite low cost one?

California ScholarShare529 has US Total Stock Market (and US Large Cap) at 0.06% ER all inclusive, I have not found a competitor in that range, would love to hear lowest all-inclusive ER from other plans: https://www.scholarshare529.com/research/fees.shtml +1. Best in the country by far. If not for...
by wootwoot
Thu Apr 30, 2020 10:01 pm
Forum: Investing - Theory, News & General
Topic: The Collapse in Global Inflation Expectations
Replies: 106
Views: 6525

Re: The Collapse in Global Inflation Expectations

Op why do you put so much faith in a forecast? This, like every other forecast or prediction, means very little. Nobody knows the future and every forecast that I've seen gets it wrong, especially over longer timelines. Stay the course and tune out the noise.
by wootwoot
Wed Apr 29, 2020 6:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new forecast from Christine Benz
Replies: 38
Views: 6692

Re: Vanguard's new forecast from Christine Benz

Another day another useless forecast. Stay the course.
by wootwoot
Wed Apr 29, 2020 5:48 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 336
Views: 38350

Re: My LenderFi refinance is going well

Well, before this whole servicing fiasco, I would have recommended LenderFi, but now I can't. I asked a simple question of whether or not I will be charged a late fee if I decide to wait for the online payment portal to be setup, and they will not reply to me. They are way too small to be servicing...
by wootwoot
Fri Apr 24, 2020 9:59 am
Forum: Investing - Theory, News & General
Topic: What does ["falling at an annualized rate of 40%..."] mean?
Replies: 14
Views: 1335

Re: What does ["falling at an annualized rate of 40%..."] mean?

Sensationalism at it's finest. They mean that they expect 2nd quarter GDP to fall 10%.
by wootwoot
Wed Apr 22, 2020 2:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard factor funds performance - Q1 2020
Replies: 151
Views: 6259

Re: Vanguard factor funds performance - Q1 2020

Looks like a good time to buy Vanguard factor funds, they're trading at a discount.
by wootwoot
Wed Apr 22, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: How much to tip on DoorDash?
Replies: 60
Views: 4995

Re: How much to tip on DoorDash?

So many posts mention Covid-19 when that wasn't part of the original question. To those that referenced the pandemic what did you normally tip DoorDash drivers before?
by wootwoot
Tue Apr 21, 2020 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1461
Views: 134880

Re: Refinance Mega Thread

Locked a 3.25 30 year no cost refi today through Costco. No appraisal needed. Wootwoot, Would you mind sharing which lender you used through Costco? I spoke with 4 lenders today through Costco and 3.375 is the lowest I received on a 30yr fixed. 75% LTV 800+ credit ConsumerDirect mortgage. 70% LTV, ...
by wootwoot
Mon Apr 20, 2020 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: will covid 19 destroy senior campuses
Replies: 52
Views: 4362

Re: will covid 19 destroy senior campuses

sarahjane wrote:
Mon Apr 20, 2020 9:41 pm
Covid 19 has called into question retirement communal living.
Not for me.
by wootwoot
Mon Apr 20, 2020 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1461
Views: 134880

Re: Refinance Mega Thread

Locked a 3.25 30 year no cost refi today through Costco. No appraisal needed.
by wootwoot
Sat Apr 18, 2020 8:48 pm
Forum: Personal Investments
Topic: After 401K and Traditional IRA max?
Replies: 11
Views: 747

Re: After 401K and Traditional IRA max?

529 contribution
by wootwoot
Sat Apr 18, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1461
Views: 134880

Re: Refinance Mega Thread

Is there any way to see loandepot's rates before applying?
by wootwoot
Sat Apr 18, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: Expecting Child #1 - Cost Saving Ideas?
Replies: 55
Views: 2110

Re: Expecting Child #1 - Cost Saving Ideas?

Some great advice in here. New babies don't get too expensive until you need daycare.
by wootwoot
Fri Apr 17, 2020 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1461
Views: 134880

Re: Refinance Mega Thread

LenderFi was great when I spoke with the guy, website a bit clunky. I have to subordinate a 2nd loan but he still got me at 3.25% for low closing cost. Take the Loan Estimate to Better for the $2500 credit. Would have went with him if it wasn't for the $2500 credit. Better.com is a bit difficult to...
by wootwoot
Thu Apr 16, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1461
Views: 134880

Re: Refinance Mega Thread

Can you provide any additional info on your loan? I've checked LenderFi 3 times throughout the day and the best no cost rate was 3.75. 510k conforming (bringing in a little cash to get down to this balance), ~30% LTV (SF bay area with a lot of appreciation over the last 7 years), excellent credit s...
by wootwoot
Wed Apr 15, 2020 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1461
Views: 134880

Re: Refinance Mega Thread

Bit the bullet and locked 3% 30yr fixed with LenderFi today. We were offered 3.125 no cost or $400 for the 3%. We spent the $400. I feel like rates may drift downward and maybe hit bottom in June but I'd rather just get this thing closed and start enjoying the lower payment, it's a lot of savings c...
by wootwoot
Tue Apr 14, 2020 12:36 am
Forum: Personal Finance (Not Investing)
Topic: REIT *funds* not akin to owning Investment Property
Replies: 53
Views: 3441

Re: REIT *funds* not akin to owning Investment Property

Buying a REIT is better than buying investment property. With a REIT I've never gotten a 3AM call to fix a broken dishwasher.
by wootwoot
Thu Apr 09, 2020 1:10 pm
Forum: Investing - Theory, News & General
Topic: Impact of newest Fed 2.3 Trillion on corporate bonds
Replies: 56
Views: 3702

Re: Impact of newest Fed 2.3 Trillion on corporate bonds

Similar predictions were made in 2008 and look at the run we had afterwards! Plenty of companies will still fail and go bankrupt, don't listen to the naysayers. Stay the course.
by wootwoot
Sun Apr 05, 2020 7:40 pm
Forum: Investing - Theory, News & General
Topic: Dow Futures Up Again?
Replies: 131
Views: 8180

Re: Dow Futures Up Again?

Futures numbers generally don't reflect what will happen when the market is open. It's unclear to me why posts like these keep popping up here. Stay the course and ignore the noise.
by wootwoot
Sun Apr 05, 2020 11:25 am
Forum: Personal Investments
Topic: Do You Use Vanguard AND Fidelity?
Replies: 26
Views: 1670

Re: Do You Use Vanguard AND Fidelity?

HSA at Fidelity.
by wootwoot
Fri Apr 03, 2020 10:40 am
Forum: Investing - Theory, News & General
Topic: Don't like bonds? They are outperforming stocks since 1999
Replies: 63
Views: 4759

Re: Don't like bonds? They are outperforming stocks since 1999

Thank you op. With all of the negative posts towards bonds over the last year it's great to see an article like this.
by wootwoot
Fri Apr 03, 2020 10:38 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 336
Views: 38350

Re: My LenderFi refinance is going well

Has anyone started a new refi with LenderFi recently? Most if not all of the posts from the last 2 weeks are follow-ups to people who started the process some time ago.
by wootwoot
Thu Apr 02, 2020 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Can I un-file my 2019 taxes in order to get a bigger stimulus check based on my 2018?
Replies: 30
Views: 2880

Re: Can I un-file my 2019 taxes in order to get a bigger stimulus check based on my 2018?

Therefore, some will receive a check in 2020 and need to pay it back in 2021 That's incorrect. No one has to pay back anything. Are you able to provide a source and/or direct us to the page in the bill? Admittedly, I haven’t seen anything on point, and presumed that an advance means you have to pay...
by wootwoot
Thu Apr 02, 2020 9:03 am
Forum: Investing - Theory, News & General
Topic: Is the coming pain really "priced in"?
Replies: 201
Views: 18953

Re: Is the coming pain really "priced in"?

It looks like today's unemployment numbers were priced in. Over 6 million unemployment claims and the market is flat.
by wootwoot
Tue Mar 31, 2020 2:57 pm
Forum: Investing - Theory, News & General
Topic: Last few days stocks have risen - but rally lacks conviction
Replies: 49
Views: 3401

Re: Last few days stocks have risen - but rally lacks conviction

Is this another market timing thread? Maybe we should create a market timing section for posts like these.
by wootwoot
Mon Mar 30, 2020 4:44 pm
Forum: Personal Consumer Issues
Topic: Tipping in new reality?
Replies: 80
Views: 4654

Re: Tipping in new reality?

Here's a summary of instacart delivery fees I'm aware of: ~10% markup on grocery prices - 5% service fee - 5% base tip - $3.99 delivery fee That is a LOT of markup and plenty to compensate a delivery person. That's $64 in fees on a $300 grocery order. It's up to Instacart and the shoppers to divide...
by wootwoot
Sun Mar 29, 2020 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Does my refi plan make sense?
Replies: 20
Views: 672

Re: Does my refi plan make sense?

Well played sir! :sharebeer
by wootwoot
Sun Mar 29, 2020 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Does my refi plan make sense?
Replies: 20
Views: 672

Re: Does my refi plan make sense?

Is lenderfi taking refi applications again? You may want to verify that.
by wootwoot
Sat Mar 28, 2020 5:48 pm
Forum: Personal Investments
Topic: Borrowing to invest in the market
Replies: 33
Views: 1820

Re: Borrowing to invest in the market

If you own your car you can get a title loan.
by wootwoot
Sat Mar 28, 2020 1:31 pm
Forum: Personal Investments
Topic: Share what worked in your plan during the crisis
Replies: 103
Views: 6959

Re: Share what worked in your plan during the crisis

We always keep a stock of toilet paper and paper towels that we buy when Amazon has a sale. Little did we know that these would become hot commodities. Going forward we will continue to take advantage of sales on these items.