Search found 161 matches

by njdealguy
Tue Sep 22, 2020 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 16053

Re: Physicians: Should I leave my job?

For OP just wondering since you mentioned enjoying extensive travel pre-pandemic if you have a airport nearby or easily accessible. If I were OP and the pay difference was substantial enough (Like 150k more than working anywhere else) and with a 3 day weekend every week would fly to the nearest city...
by njdealguy
Mon Sep 21, 2020 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: In-network provider refusing service if we use insurance
Replies: 122
Views: 6632

Re: In-network provider refusing service if we use insurance

Am i the only one that is having a hard time reconciling all the comments about such low reimbursement rates in this thread, and other recent medical billing threads, with the numerous thread we see here all the time about the physicians with 8 figure net worth worrying if they can retire, or other...
by njdealguy
Sat Sep 19, 2020 1:44 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 15392

Re: Is Costco worth the $120 membership?

I'm personally not a big fan of their gas station and tire services due to what is usually massive wait times in each. The Sams Club gas station nearby usually costs nearly the same or a few more cents per gallon but lines are usually way less at the times I pass by. Would probably cost more in wast...
by njdealguy
Fri Sep 18, 2020 2:40 pm
Forum: Personal Consumer Issues
Topic: Toddler Education
Replies: 43
Views: 2264

Re: Toddler Education

How about a 3 hour free-form walk-in-the-woods every day? You can talk about all the plants, insects, snakes, lizards, frogs, tadpoles, fish, turtles, rabbits, squirrels, birds, and other animals that you come across. Plus the rocks, stones, dirt, trash that you find tells a story, too. 3 hour walk...
by njdealguy
Wed Sep 16, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3403

Re: HVAC Service Contracts & Annual Service

I had a full replacement of my home HVAC last year (2 Furnaces & 2 AC units) and under the purchase terms with the installer company it included a 10 year labor & parts warranty. But if annual maintenance is not performed by this same HVAC company the labor warranty would be voided to 1 year. For th...
by njdealguy
Mon Aug 31, 2020 8:53 am
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 55
Views: 5688

Re: is a $1000+ herman miller office chair worth the investment?

It’s not an “investment” Thank you. Beat me to it. It’s salesperson talk to frame expensive items as investments. Some number of years from now, it will be worth $0. That said, I have spent (not invested) thousands of dollars on expensive Stressless sofas and chairs. My back appreciates it, but tha...
by njdealguy
Thu Aug 20, 2020 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128457

Re: My LenderFi refinance is going well

Just found out my lenderfi refi that have closed in June was sold to BSI Financial from PA which seems to be the servicer of others that refinanced with LenderFi. I'm getting nervous now reading the online reviews of this company and wondering how other's experiences have been with this servicer. Fr...
by njdealguy
Wed Aug 19, 2020 2:30 pm
Forum: Personal Investments
Topic: Cash out 401K [?]
Replies: 29
Views: 1966

Re: Cash out 401K [?]

Learned a big lesson earlier this year trying to time the market, converted all of my 401k allocation to the cash account within the plan in beginning of March when S&P was around 3130 then after the market bottomed on March 23rd kept assuming we were in a dead cat bounce that will turn (and reading...
by njdealguy
Fri Aug 14, 2020 8:39 am
Forum: Personal Consumer Issues
Topic: Apple users - iMac and iPad vs MacbookPro?
Replies: 56
Views: 3172

Re: Apple users - iMac and iPad vs MacbookPro?

If you want to continue using your current laptop: Docking station https://www.amazon.com/dp/B07VL5XLBS?tag=p00935-20&ascsubtag=03PUCOn3CDC3wX6AFyElHsa This may be overkill if you only have one monitor. There are USB-C hubs with an HDMI ports for 1/3 the cost. Here is one example. There are others,...
by njdealguy
Fri Jul 03, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Share your budget
Replies: 152
Views: 10148

Re: Share your budget

Here's ours annually, for myself and spouse as well as a toddler, both in mid 30s, and combined income of $320k. I'm sure this would get flamed big time on the MMM forum and theres plenty to cut back on, but at same time we live rather well and still think to be on track for financial independence i...
by njdealguy
Mon Jun 22, 2020 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7599
Views: 522552

Re: Refinance Mega Thread

I don’t know what to do but I feel like I need to make a decision today because I’m starting to get happy feet. I was all set to close on a refinance when I decided to try better. With the AMEX promo they came in significantly better than my first option. I went back to first option and they origin...
by njdealguy
Fri Jun 19, 2020 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7599
Views: 522552

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 njdealguy
Thu Jun 18, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: Daycare - paying to hold a spot
Replies: 45
Views: 3158

Re: Daycare - paying to hold a spot

Our daycare in NJ having reopened this week gave parents the option of providing a 30 day notice to withdraw our child upon which the security deposit we paid back when our child started there would be applied, and if we come back anytime before end of this year the security deposit would be credite...
by njdealguy
Tue Jun 16, 2020 2:54 pm
Forum: Investing - Theory, News & General
Topic: Hertz (bankrupt) may issue new stock
Replies: 80
Views: 7284

Re: Hertz (bankrupt) may issue new stock

I think they had problems before the pandemic, in airports their desk usually seemed not that busy while would see long lines of renters at the desks for other companies like Avis/Budget/Alamo/etc. So while Hertz I think has good quality customer service their rates are generally higher too which ma...
by njdealguy
Mon Jun 08, 2020 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7599
Views: 522552

Re: Refinance Mega Thread

I’d love to know how everyone is getting these crazy low 30 year, no cost mortgage rates. I shopped around a few different places, and the best I was able to get was 2.75% 15-year with $1700 closing cost, no escrow accounts required. The $1700 basically covers the transfer taxes and the title insur...
by njdealguy
Mon Jun 08, 2020 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7599
Views: 522552

Re: Refinance Mega Thread

What is happening with cash-out refi? Our house is worth $675k at right now. We owe $378k or so. We bought that house in 2018 knowing it needs renovations as everything is original from 1980s. We want to take out about $150k to renovate. Since it is cash-out, and probably jumbo, I am guessing the r...
by njdealguy
Thu Jun 04, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7599
Views: 522552

Re: Refinance Mega Thread

We close tomorrow with Chase who also carries our old loan. No, this is not via their fancy letter thing that some people are getting. I requested a payoff letter sort of late in the process to try to trigger an offer after starting discussions with them and reading comments here, but nothing mater...
by njdealguy
Wed Jun 03, 2020 4:27 pm
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 11109

Re: Daycare closed

As NJ this week announced the reopening of daycares as of 6/15 for children of non-essential workers, ours announced to be opening and is making it optional to send our child for the partial month and no charges if choose not to. However from July and onwards will start imposing the monthly fees and...
by njdealguy
Wed Jun 03, 2020 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7599
Views: 522552

Re: Refinance Mega Thread

Seems like a lot of different responses from Better on this depending on who your loan officer is. Mine said I can't stack discounts, some have said you can't apply it after you lock, yours said you can apply it after the lock since you had a qualifying card at the time of the lock, then there's ed...
by njdealguy
Tue Jun 02, 2020 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7599
Views: 522552

Re: Refinance Mega Thread

Nice and am trying for this but curious as to how the Amex credit will post when have learned about it after locking with Better and therefore obviously did not use the Amex offer link into Better but do now have applied for and have a Amex everyday card number. The Amex promo pays out as a credit ...
by njdealguy
Tue Jun 02, 2020 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7599
Views: 522552

Re: Refinance Mega Thread

Nice and am trying for this but curious as to how the Amex credit will post when have learned about it after locking with Better and therefore obviously did not use the Amex offer link into Better but do now have applied for and have a Amex everyday card number. The Amex promo pays out as a credit ...
by njdealguy
Tue Jun 02, 2020 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7599
Views: 522552

Re: Refinance Mega Thread

Wow you have no idea how useful this might be for me! Have locked with Better a couple weeks ago and learned later about this Amex offer while one of my mortgage co-applicants has an Amex blue cash card. Asking my Better representative about this shortly. In case that card turns out invalid, may I ...
by njdealguy
Tue Jun 02, 2020 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7599
Views: 522552

Re: Refinance Mega Thread

We didn't have an AMEX card when we refi. We thought it was a targeted offer. One day before we closed, we learned about the AMEX credit but still didn't have an AMEX card. We just asked Better, and Better agreed to honor the AMEX credit while we went apply for the AMEX card. The AMEX card took 3 m...
by njdealguy
Mon May 18, 2020 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7599
Views: 522552

Re: Refinance Mega Thread

I called Owning and they said they could do 2.99% on a 30-year at no cost (LTV would be 40%). I haven't refinanced in a while so would appreciate guidance on how to proceed. The person I spoke with sent me an email requesting information (W2, paystubs, etc.). Should I send that in at this stage or ...
by njdealguy
Mon May 18, 2020 10:26 am
Forum: Non-US Investing
Topic: Moved to India from US : Double Tax Avoidance Treaty
Replies: 2
Views: 530

Re: Moved to India from US : Double Tax Avoidance Treaty

Hi not sure how many on this site will be able to answer these as pretty specific to moving between the two countries. Would advise asking the same on the site forum on http://www.r2iclubforums.com/ if havent already.
by njdealguy
Sun May 17, 2020 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7599
Views: 522552

Re: Refinance Mega Thread

With the possible Chase offer for rate modification on existing mortgages, has anyone or know of luck in directly calling and asking them for it? As suggested here I did ask for the formal payoff quote to be mailed on Friday and did not see a FedEx pop on my front door yesterday :happy Thinking whe...
by njdealguy
Sun May 17, 2020 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7599
Views: 522552

Re: Refinance Mega Thread

With the possible Chase offer for rate modification on existing mortgages, has anyone or know of luck in directly calling and asking them for it? As suggested here I did ask for the formal payoff quote to be mailed on Friday and did not see a FedEx pop on my front door yesterday :happy Thinking whet...
by njdealguy
Fri May 15, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7599
Views: 522552

Re: Refinance Mega Thread

Final update. I logged on to chase last night and used the banner offer to submit a formal refinance request. Some basic info confirming identity, assets, etc. Today I received a no-refi offer via fedex, reducing my rate from 3.375 to 2.875! I’m almost speechless. Thanks to 4Health for documenting ...
by njdealguy
Fri May 15, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7599
Views: 522552

Re: Refinance Mega Thread

Hi think this is good deal? Contacted Loan Depot and offered a cash out refinance for 30 year fixed rate at 2.875% with about $250k in cash out for 60% LTV for my home in NJ. After $3800 in lender credits the closing cost comes to $620 plus the prepaid escrow I would have of about $4k, rolled into t...
by njdealguy
Thu May 14, 2020 11:41 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 87
Views: 4330

Re: New Brake Pads

If your not comfortable doing the work yourself, theres usually numerous "mobile" mechanics listed on craigslist who would come to your location and do the work using parts you purchase from anywhere. Ive done exact same thing at least a half dozen times over the years, the average rate paid to the ...
by njdealguy
Sat May 09, 2020 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: $2 million dollar house pre requisites
Replies: 109
Views: 10202

Re: $2 million dollar house pre requisites

Based on spending no more than 3 years annual income on a house, that means income should be 1/3 of purchase price or around 667,000. If one doesn't work/retired, then should have net worth/assets worth 16.675 million as that gives the 667k at a 4% safe withdrawal rate of portfolio. If one earns let...
by njdealguy
Mon May 04, 2020 6:47 pm
Forum: Investing - Theory, News & General
Topic: Uh, Cramer? [urging us to dump S&P 500 index funds]
Replies: 15
Views: 2252

Re: Uh, Cramer?

I like how a few weeks ago on his show when s&p was at about 2500 he was preaching to not need to "chase" the bear market rally and better to wait, then last week he was talking about stocks such as Chipotle being great value buys when actually they were back to close to 52 week highs again! So inco...
by njdealguy
Sun May 03, 2020 9:40 pm
Forum: Investing - Theory, News & General
Topic: Airline Stocks
Replies: 42
Views: 4102

Re: Airline Stocks

Based on an article I saw on seeking alpha, LUV has cash/liquidity on hand for the next 15 months or so while DAL has enough for about 8 months, based on current burn rates. UAL is in third place at about 7 months. So these are the cash piles before needing to use lines of credit/more government sup...
by njdealguy
Sun May 03, 2020 9:00 pm
Forum: Personal Consumer Issues
Topic: HVAC Proposals - Any Thoughts
Replies: 14
Views: 1299

Re: HVAC Proposals - Any Thoughts

Quotes seem very high. I had the same carrier performance 96 as your second quote installed along with the carrier 24acc6 (higher model as is also performance series) unit done for 2 zones for $15,250 after $1600 in rebates given from NJ energy efficiency programs, so $7625 per zone or $8425 per zon...
by njdealguy
Mon Apr 20, 2020 7:13 pm
Forum: Personal Investments
Topic: Share your experience if you timed the market
Replies: 38
Views: 2470

Re: Share your experience if you timed the market

Totally honest have moved to all cash on 100/0 portfolio on March 4th when S&P was at 3130. Shot myself in the foot after that by using 25% of the cash in my portfolio to make bet on USO oil ETF without learning/understanding the intricacies of how it degrades value over time/contango structure, whi...
by njdealguy
Sun Apr 19, 2020 4:06 pm
Forum: Personal Consumer Issues
Topic: How to get Liquid Hand Soap? seriously.
Replies: 76
Views: 4435

Re: How to get Liquid Hand Soap? seriously.

Ordered 2 dozen softsoap bottles from Amazon couple weeks ago which said wouldn't ship until mid May or so and actually just shipped yesterday. So would suggest ordering from there regardless of the ship date stated. Is that a 3-year supply? For some reason, we have about 8 bottles in the house eve...
by njdealguy
Sun Apr 19, 2020 11:38 am
Forum: Personal Consumer Issues
Topic: How to get Liquid Hand Soap? seriously.
Replies: 76
Views: 4435

Re: How to get Liquid Hand Soap? seriously.

Ordered 2 dozen softsoap bottles from Amazon couple weeks ago which said wouldn't ship until mid May or so and actually just shipped yesterday. So would suggest ordering from there regardless of the ship date stated.
by njdealguy
Fri Apr 17, 2020 10:21 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1255
Views: 116085

Re: Well, I am market timing due to coronavirus... Wish me luck.

Completely against this site's principles but I'll also admit to moving to all cash from a 100/0 portfolio on March 4 when S&P was at 3130. Now with all these rallies think am almost compelled to rebuy should the S&P approach 3000 soon to at least lock in some profits even though am almost 80% sure ...
by njdealguy
Fri Apr 17, 2020 7:58 pm
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 11109

Re: Daycare closed

Our daycare took 60% tuition for April which has been said will be credited back in future months at a rate of $100/month. For May has just announced that instead of charging us is going to deduct 15% from the initial security deposit we gave when enrolling our child. Think this will just cover thei...
by njdealguy
Tue Apr 07, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: How do you maximize enjoyment after achieving FI?
Replies: 161
Views: 9008

Re: How do you maximize enjoyment after achieving FI?

By base level of FI, does it mean you can theoretically live off your assets at a 4% annual withdrawal rate? If so I'd continue plugging away at accumulating more savings until the FI enables just a 2% or 3% withdrawal rate before allowing for some lifestyle inflation accordingly!
by njdealguy
Sun Apr 05, 2020 7:44 pm
Forum: Investing - Theory, News & General
Topic: Dow Futures Up Again?
Replies: 131
Views: 8311

Re: Dow Futures Up Again?

NY governor Cuomo has stated over the weekend that number of virus related deaths in the state have started to decline, so possible reason for optimism.
by njdealguy
Sat Mar 28, 2020 8:56 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17955

Re: What will you do first, once COVID pandemic is over?

Jags4186 wrote: Sat Mar 28, 2020 7:25 pmHaircut.
Can only imagine how crazy the wait times will be with many flocking to barber shops as soon as is all cleared to reopen for at least first weeks. Probably better to take time off work and go on some weekday morning at that point!
by njdealguy
Thu Mar 26, 2020 3:47 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197849

Re: Bogleheads community discussion - Coronavirus

USA in first place now, ahead of China & Italy for Coronavirus cases
by njdealguy
Thu Mar 26, 2020 10:48 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 64930

Re: So bottom is probably behind us....right?

Nearly noon and only 836 new cases of the virus in USA? Doesnt seem to be on pace so far of yesterday's 12k+ total.
by njdealguy
Thu Mar 26, 2020 9:48 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 64930

Re: So bottom is probably behind us....right?

Not sure if is due to not being updated but number of new cases in USA today (694 as of now) seems a lot less than what was shown at this time yesterday and totaled around 12k plus new cases yesterday: https://www.worldometers.info/coronavirus/ Who knows if it will surpass yesterday's total today or...
by njdealguy
Thu Mar 26, 2020 8:20 am
Forum: Investing - Theory, News & General
Topic: Unemployment numbers
Replies: 40
Views: 3065

Re: Unemployment numbers

This is nuts, record unemployment claims and somehow the futures is still pointing towards a positive day, presumably because it isn't as bad as the worst estimate of 4MM claims that Citi had issued! Am really learning this month how markets are priced based on future predictions and therefore tryin...
by njdealguy
Tue Mar 24, 2020 7:09 am
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 11109

Re: Daycare closed

Our daycare remains open but since hardly anyone is still sending child, a plan was announced that April tuition will be reduced by 40% and reimbursed in future months in the form of a $100 credit per month towards tuition until fully reimbursed. Doesnt feel right to be reimbursed would be fine with...
by njdealguy
Sun Mar 22, 2020 8:19 am
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1255
Views: 116085

Re: Well, I am market timing due to coronavirus... Wish me luck.

I did not read anything where anyone claimed to have special powers to time the market. I read that some people evaluated a situation and changed their normal behavior based on information. They do not need to be mocked or criticized because someone else has zero tolerance for the ability to think....
by njdealguy
Thu Mar 19, 2020 7:38 am
Forum: Personal Investments
Topic: Why does Vanguard's Total Bond Market fund keep going down?
Replies: 9
Views: 2283

Re: Why does Vanguard's Total Bond Market fund keep going down?

With my current market timing move early this month, had shifted my 401k plan that was 100% in the Vanguard S&P500 Index fund to 100% on Vanguard Intermediate Term Bond Index fund (VBILX) thinking it was the safer one. While shifting out of the equity index fund has me approximately 30% ahead of whe...
by njdealguy
Tue Mar 17, 2020 8:25 pm
Forum: Investing - Theory, News & General
Topic: 20% unemployment?
Replies: 88
Views: 6788

Re: 20% unemployment?

Mnuchin 2 days ago: The US economy will slow down in the near term but avoid falling into a recession, Treasury Secretary Steven Mnuchin said Sunday. And today: warned Republican senators Tuesday morning that without action the coronavirus pandemic could drive up US unemployment to 20% Which version...