Search found 572 matches

by wootwoot
Tue Sep 15, 2020 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6928
Views: 460281

Re: Refinance Mega Thread

Locked a 2.5% 30 year no cost with Interactive Mortgage yesterday, 60% LTV.
by wootwoot
Sat Sep 12, 2020 11:49 pm
Forum: Personal Consumer Issues
Topic: $3000 for COVID test!!!
Replies: 11
Views: 2169

Re: $3000 for COVID test!!!

Daughter and her husband went to walk-in clinic and got CV-19 screening tests around first of July. Both were asymptomatic. They paid $75 each now they get bill for three grand! One of their neighbor’s child got billed $9000. Same urgent care clinic using some lab in Miami. I told my son in law to ...
by wootwoot
Fri Sep 11, 2020 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6928
Views: 460281

Re: Refinance Mega Thread

I'm so confused seeing all these posts by people getting no costs refis (A+B+C+E=0) at rates well under 3%. I haven't been able to find anything approaching a deal like that, and I'm getting quotes from all the recommended lenders in this thread (Better, LenderFi, LoanCabin, LoanDepot). I'm seeing ...
by wootwoot
Thu Sep 10, 2020 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6928
Views: 460281

Re: Refinance Mega Thread

Fatusr wrote: Thu Sep 10, 2020 1:30 am I withdrew my last Refi with better just before signing. I had appraisal done by that time which was paid by Amex.

I applied again and currently trying them to beat other lender. Can I ask them to use appraisal from last Refi this time?
Give it a shot.
by wootwoot
Wed Sep 09, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6928
Views: 460281

Re: Refinance Mega Thread

jgman wrote: Wed Sep 09, 2020 4:09 pm Just locked in a 30-yr with LenderFi at 2.5% with loan costs of $1050 and credit of $2700. Appraisal was waived.
Can you provide more details on how? The rates quoted on their site are significantly worse than that.
by wootwoot
Wed Sep 02, 2020 9:55 pm
Forum: Personal Investments
Topic: Tax cuts from bonus vs base salary
Replies: 14
Views: 1292

Re: Tax cuts from bonus vs base salary

TurnAround wrote: Wed Sep 02, 2020 9:31 pm I’ve always found the tax withholding for bonuses to be a bit higher because they treat it as if that single payment is your paycheck for the entire year. My bonuses get lumped into a standard paycheck which gives me a much higher payment that period.
+1
by wootwoot
Wed Sep 02, 2020 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6928
Views: 460281

Re: Refinance Mega Thread

I thought I remember seeing someone say something about being able to cash out the credit on a low-balance card. Anyone know the mechanics of that? It's hidden in the Disputes section. Go to Account Services and follow the links like you were disputing a charge. One of the options is to request a c...
by wootwoot
Wed Sep 02, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6928
Views: 460281

Re: Refinance Mega Thread

Amex credit showed up today, closed late July.
by wootwoot
Wed Aug 19, 2020 11:19 pm
Forum: Personal Consumer Issues
Topic: new car purchase: any reason NOT to do 0% financing
Replies: 90
Views: 7141

Re: new car purchase: any reason NOT to do 0% financing

Is there an option not to take the financing and get thousands off the out the door price? Why would one get “thousands off” the OTD price by not financing? The dealer doesn’t care at all that you’re paying cash. Every deal they do is cash, regardless if you bring it or not. In fact, they would rat...
by wootwoot
Wed Aug 19, 2020 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Jitters Anyone ??
Replies: 87
Views: 6708

Re: Social Security Jitters Anyone ??

With all this talk (and hopefully thats all it is) with cutting social security, are there any soon to be 70 ss claimants who are having second thoughts about waiting to 70 and possibly claiming earlier in your late 60's instead? I know that thought has entered my mind recently. Been running some o...
by wootwoot
Wed Aug 19, 2020 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6928
Views: 460281

Re: Refinance Mega Thread

Just a follow-up update on my previous posts... So it looks like it won't be possible to get a no-cost at 2.5%+ anymore. Even at 3.0%, there are no lender credits from the initial offers . At this time, I have initial estimates I got from each lender's websites by plugging in initial information (m...
by wootwoot
Tue Aug 18, 2020 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6928
Views: 460281

Re: Refinance Mega Thread

FiscallyResponsible wrote: Tue Aug 18, 2020 10:03 am Just another AMEX datapoint... Closed July 30, received AMEX 2500 credit yesterday (August 17). <3weeks :D

Unforunately, it's been that long since I heard from Loan Cabin...
Thx for the data point. I closed a week prior to you and haven't heard anything yet. Hoping for good news soon.
by wootwoot
Mon Aug 17, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: Farmed Atlantic salmon and toxic chemicals in fish feed
Replies: 62
Views: 4233

Re: Farmed Atlantic salmon and toxic chemicals in fish feed

Does not answering questions to a random blogger mean that you're guilty of something?
by wootwoot
Mon Aug 17, 2020 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6928
Views: 460281

Re: Refinance Mega Thread

I locked in a no-cost 2.5% 30 year no escrow with Watermark a few hours before the 0.5% fee got handed down. I obviously consider myself very fortunate. Better called soon after. They will not match the offer which is a bummer since I will be missing out on the AMEX bonus. I never locked with Bette...
by wootwoot
Sun Aug 16, 2020 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting assets from mental disorders (e.g. Bipolar)
Replies: 24
Views: 2637

Re: Protecting assets from mental disorders (e.g. Bipolar)

Conservatorship, it worked for Britney Spears and her problems were immense.
by wootwoot
Sun Aug 16, 2020 10:44 am
Forum: Personal Investments
Topic: Global Equal Weight Beats S&P 500 last 20 years!
Replies: 25
Views: 1398

Re: Global Equal Weight Beats S&P 500 last 20 years!

How does global equal weight perform in other timelines? 50 year, 100 year, etc.
by wootwoot
Sun Aug 16, 2020 12:07 am
Forum: Investing - Theory, News & General
Topic: The 0.5% Rule (SWR) [Safe Withdrawal Rate]
Replies: 419
Views: 24274

Re: The 0.5% Rule (SWR)

Financial Samurai has some interesting ideas about finance. I've found that they seem to apply to his own personal situation and don't work for 99% of individuals. He is really out of touch with the way most people live.
by wootwoot
Sun Aug 16, 2020 12:05 am
Forum: Personal Consumer Issues
Topic: new car purchase: any reason NOT to do 0% financing
Replies: 90
Views: 7141

Re: new car purchase: any reason NOT to do 0% financing

Is there an option not to take the financing and get thousands off the out the door price? Why would one get “thousands off” the OTD price by not financing? The dealer doesn’t care at all that you’re paying cash. Every deal they do is cash, regardless if you bring it or not. In fact, they would rat...
by wootwoot
Sat Aug 15, 2020 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Too much cash is making me panic
Replies: 29
Views: 4335

Re: Too much cash is making me panic

You're panicking about having too much cash? Especially at a time with so many out of work? Feel free to donate to one of the many charities helping those who are less fortunate than yourself.
by wootwoot
Sat Aug 15, 2020 12:42 pm
Forum: Personal Consumer Issues
Topic: new car purchase: any reason NOT to do 0% financing
Replies: 90
Views: 7141

Re: new car purchase: any reason NOT to do 0% financing

Is there an option not to take the financing and get thousands off the out the door price?
by wootwoot
Thu Aug 13, 2020 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6928
Views: 460281

Re: Refinance Mega Thread

I locked on 8/11 with better. Anyone hear from them as far as this news? Do we expect the locks to be honored? If rates shot up without this development, do you feel Better would honor the locks? I have no idea, aren't they obligated to? It's called a rate lock for a reason. If they could change th...
by wootwoot
Mon Aug 10, 2020 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6928
Views: 460281

Re: Refinance Mega Thread

NDS wrote: Mon Aug 10, 2020 11:35 am What's the latest on which mortgage firms have `clawback' provisions vs not? So far it seems like LenderFi *does*, Better does *not*. Any other data points out there?
Just lenderfi
by wootwoot
Sat Aug 08, 2020 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: deferred payroll tax implications?
Replies: 77
Views: 5513

Re: deferred payroll tax implications?

Frankly, I'm not sure that this memorandum is really actionable at this point. The last payroll tax holiday in 2010 was part of an act by Congress, and it's not clear that the executive branch has the power to do what is proposed here without that. I don't have a problem with the idea, but I don't ...
by wootwoot
Tue Aug 04, 2020 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6928
Views: 460281

Re: Refinance Mega Thread

Jags4186 wrote: Tue Aug 04, 2020 4:31 pm Does anyone know if Better has a 6 month clawback rule? I just closed July 16 on a 2.875% loan with them and am just waiting for my $2500 AMEX Promo to post. Looks like as soon as that happens I’ll be looking to refi again down to the 2.5% level.
Same boat here with a similar rate and timeline.
by wootwoot
Sat Aug 01, 2020 12:07 am
Forum: Investing - Theory, News & General
Topic: Disappointed with Fidelity's Online Interface
Replies: 69
Views: 6229

Re: Disappointed with Fidelity's Online Interface

Hating Fidelity here as well. Both my wife and I have Fidelity for our workplace 401k's and netbenefits is hot garbage, ugly with horrible navigation. It's the Myspace of 401k platforms. Yes, I don't believe I've seen any post in this thread that suggests that the 401k "NetBenefits" interface is an...
by wootwoot
Sat Aug 01, 2020 12:02 am
Forum: Investing - Theory, News & General
Topic: Visualizing the cost of fees and taxes
Replies: 11
Views: 1200

Re: Visualizing the cost of fees and taxes

Do you have a version of this where your last comparison is an IRA with .03% expense rather than a Roth?
by wootwoot
Fri Jul 31, 2020 9:31 pm
Forum: Investing - Theory, News & General
Topic: Disappointed with Fidelity's Online Interface
Replies: 69
Views: 6229

Re: Disappointed with Fidelity's Online Interface

Hating Fidelity here as well. Both my wife and I have Fidelity for our workplace 401k's and netbenefits is hot garbage, ugly with horrible navigation. It's the Myspace of 401k platforms.
by wootwoot
Thu Jul 30, 2020 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6928
Views: 460281

Re: Refinance Mega Thread

Your post further proves my point the heads up to avoid Jesse Kuhn for those in California. Im not looking for "LE". I just want some rough estimates. I don't get why this can't be provided. Many fees are fixed title county fees etc. Many sites online provide ' estimate' w the basic info like how L...
by wootwoot
Mon Jul 27, 2020 10:43 pm
Forum: Personal Investments
Topic: Retirement account with 3.5% guaranteed return - a good option?
Replies: 26
Views: 3699

Re: Retirement account with 3.5% guaranteed return - a good option?

I'd love to have a fixed option with a rate like this but have never had a plan with a guaranteed return.
by wootwoot
Mon Jul 27, 2020 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6928
Views: 460281

Re: Refinance Mega Thread

Does anyone know who better.com usually sells their loans to and how long it takes them to sell the mortgage after funding it?
by wootwoot
Tue Jul 21, 2020 10:24 pm
Forum: Investing - Theory, News & General
Topic: beginning of end of tech outperformance - linkedin to layoff 6%
Replies: 53
Views: 4716

Re: beginning of end of tech outperformance - linkedin to layoff 6%

Are you going to sell your tech portfolio in anticipation of a crash?
by wootwoot
Tue Jul 21, 2020 9:47 pm
Forum: Investing - Theory, News & General
Topic: beginning of end of tech outperformance - linkedin to layoff 6%
Replies: 53
Views: 4716

Re: beginning of end of tech outperformance - linkedin to layoff 6%

No no canaries here. Why draw such a big conclusion with such limited evidence?
by wootwoot
Tue Jul 21, 2020 8:52 pm
Forum: Investing - Theory, News & General
Topic: Article claiming 401k no longer "makes sense"
Replies: 74
Views: 7953

Re: Article claiming 401k no longer "makes sense"

Another poorly written article by a "journalist".
by wootwoot
Tue Jul 21, 2020 2:29 pm
Forum: Investing - Theory, News & General
Topic: New Tulip Mania?
Replies: 48
Views: 8165

Re: New Tulip Mania?

Is speculative trading equivalent to tulip mania?
by wootwoot
Thu Jul 16, 2020 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6928
Views: 460281

Re: Refinance Mega Thread

How long after closing did you guys receive your Amex credit? I know it says 8-12 weeks. But curious if it really takes that long. I did a search in a reddit AMEX discussion site and found that people are reporting that they got their credit in a about a month. I wish I was that lucky. I'm past two...
by wootwoot
Thu Jul 16, 2020 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Anybody watch new joe Rogan episode with Peter Schiff?
Replies: 51
Views: 6664

Re: Anybody watch new joe Rogan episode with Peter Schiff?

Schiff is a broken record. He's been saying the same thing for at least 15 years. He sounds like a genius when the market crashes and anything but a genius when the market does well.
by wootwoot
Tue Jul 14, 2020 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bored to Tiers: banking perks don’t seem worth it
Replies: 40
Views: 5054

Re: Bored to Tiers

Bank of America Preferred Rewards is the best I"m aware of, but keep in mind it is a marketing gimmick to attract assets so it could change at any time. It's not a lifetime guarantee of free perks. You can take advantage of it while it lasts but I would not expect it to last forever. If it goes awa...
by wootwoot
Tue Jul 14, 2020 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Bored to Tiers: banking perks don’t seem worth it
Replies: 40
Views: 5054

Re: Bored to Tiers

Bank of America Preferred Rewards is the best I"m aware of, but keep in mind it is a marketing gimmick to attract assets so it could change at any time. It's not a lifetime guarantee of free perks. You can take advantage of it while it lasts but I would not expect it to last forever. If it goes awa...
by wootwoot
Sun Jul 05, 2020 10:40 am
Forum: Investing - Theory, News & General
Topic: Reaching for Yield: Is It Really Different This Time?
Replies: 79
Views: 5756

Re: Reaching for Yield: Is It Really Different This Time?

Stick to your allocation and stop listening to "experts". Stay the course.
by wootwoot
Sat Jul 04, 2020 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6928
Views: 460281

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.
by wootwoot
Fri Jul 03, 2020 10:21 pm
Forum: Investing - Theory, News & General
Topic: CALPERS taking on leverage: Is leverage becoming more mainstream?
Replies: 25
Views: 1815

Re: CALPERS taking on leverage: Is leverage becoming more mainstream?

greg24 wrote: Fri Jul 03, 2020 9:03 pm Does one example make an idea mainstream?

Show more work.
+1
by wootwoot
Fri Jul 03, 2020 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6928
Views: 460281

Re: Refinance Mega Thread

WRT the $100 price match vs $1000 Better price Guarantee, there might be some hope for those using the AMEX campaign : I currently still see a Better.com webpage that is labeled for the American Express exclusive offer that shows the $1000 price guarantee. From the link Amex sent to me in an email ...