Search found 149 matches

by Tribonian
Sat Apr 25, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: Italian traffic fine with U.S. debt collector-revisited?
Replies: 26
Views: 2651

Re: Italian traffic fine with U.S. debt collector-revisited?

By certified letter, with proof of delivery, I’d state you are willing to consider paying once they provide the following: Specify which article of Title IX of Book 4 of the Codice Civile of 1942 allegedly created an enforceable obligation (or che fatto illecito avrebbe creato un’obbligazione second...
by Tribonian
Thu Apr 23, 2020 12:31 am
Forum: Personal Consumer Issues
Topic: Moving to Sacramento, looking for advice on neighbourhoods, schools
Replies: 8
Views: 645

Re: Moving to Sacramento, looking for advice on neighbourhoods, schools

Right around downtown can be sketchy at night. Midtown has good restaurants but can be noisy and occasional crime. Just north of Midtown is Boulevard Park, some nice craftsmen, a few Victorians; lots are deeper on the lettered streets than the numbered ones. East Sac, just across Bus-80 is one of th...
by Tribonian
Tue Apr 14, 2020 9:58 am
Forum: Personal Consumer Issues
Topic: CSA options in time of CV-19
Replies: 4
Views: 294

Re: CSA options in time of CV-19

If the gift cards can only be redeemed at the stand, I’d take the delivery and find recipes for kohlrabi and any other fruit/vegetable you’d ordinarily pass on.

If you can direct some of the balance for delivery charges, I’d go a la carte.

Good luck, stay well.
by Tribonian
Fri Apr 10, 2020 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Online closing for refinancing a mortgage
Replies: 6
Views: 357

Re: Online closing for refinancing a mortgage

We closed recently and kept social distance from the notary. Signed everything in the driveway and it was pretty painless. If you can’t arrange for all digital, on-line, you might ask the lender to make sure the notary arrives with PPE.
by Tribonian
Fri Apr 03, 2020 2:03 pm
Forum: Personal Consumer Issues
Topic: Should I keep paying fitness center fees while it is closed?
Replies: 114
Views: 6264

Re: Should I keep paying fitness center fees while it is closed?

I have planet fitness membership and they suspended all montly fees for duration of their gyms being closed. Great business move, not sure if other gyms doing the same. My gym sent an e-mail saying there would be no April dues. I e-mauled back to state I would rather continue paying than for them t...
by Tribonian
Thu Apr 02, 2020 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 180
Views: 10328

Re: Are your personal expenses down during stay home and shelter?

Some of our expenses have shifted but not diminished. We didn’t eat out often, but those funds are now the delta for having groceries delivered (fee and tip). Impulse purchases replaced with minor stockpiling of dry goods. Keeping gym memberships and other similar discretionary expenses going to kee...
by Tribonian
Wed Apr 01, 2020 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 351
Views: 40115

Re: My LenderFi refinance is going well

Signed docs Thursday, received e-mail confirmation an hour later. E-mail on Saturday advising we’d hear within 30 days about first payment due. This morning, I saw that our former lender had been paid off. All in all, very smooth transaction. Highly recommend LenderFi. Thanks for the initial tip, BH...
by Tribonian
Thu Mar 26, 2020 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 351
Views: 40115

Re: My LenderFi refinance is going well

Just signed all the docs & received a confirmation e-mail. 17 days start to finish. This was the easiest closing we’ve had though AIMLoan was also very good.
by Tribonian
Thu Mar 26, 2020 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Need help regarding Refinance - feels like I am being ripped off!
Replies: 28
Views: 1712

Re: Need help regarding Refinance - feels like I am being ripped off!

From what you present, it seems high to me. Closing with LenderFi today and they offered > $2k credits and lower 30 year rates 17 days ago.
by Tribonian
Wed Mar 25, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 351
Views: 40115

Re: My LenderFi refinance is going well

Update, applied March 9, set to close tomorrow, March 26 so should be 17 days start to finish, during rush. Nothing interesting in our credit history. Waived appraisal, >$2k credits, so nothing out of pocket, sending notary to our home. 15 yr. fixed at 2.5. Hope to post final update tomorrow. They’v...
by Tribonian
Sat Mar 14, 2020 11:39 am
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12401

Re: Are you still going to the gym ...

I stopped on Monday, plan to resume when public health situation settles down. In the meantime, will go for more runs & bike rides outside.
by Tribonian
Tue Mar 10, 2020 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 351
Views: 40115

Re: My LenderFi refinance is going well

Thanks to this board, I applied March 5, got an automatic e-mail reply acknowledging submission. On Friday, March 8, got a mass e-mail from company president stating they were closing the application portal until they could catch up. Heard from them yesterday and was able to lock 15 yr fixed, no poi...
by Tribonian
Wed Mar 04, 2020 1:22 pm
Forum: Personal Consumer Issues
Topic: Should I sell my car?
Replies: 33
Views: 1669

Re: Should I sell my car?

In addition to moving closer to work, will the new home be walking distance to groceries, your child’s school and other frequent destinations? My car got totaled in November and it has been a liberation. (We are walking distance to work, 2 grocery stores, hospital and parks). We were car free at mar...
by Tribonian
Mon Mar 02, 2020 7:18 pm
Forum: Personal Consumer Issues
Topic: Lodging in Rome
Replies: 30
Views: 2216

Re: Lodging in Rome

We’ve had great stays through AirBnB in my two favorite neighborhoods, Trastevere and Campo dei’ Fiori. Nice to be able to cook, especially when you can pick up ingredients at a farmers’ market that’s been operating for millennia. At the Campo dei Fiori, we stayed around the corner from a place that...
by Tribonian
Thu Feb 27, 2020 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 284
Views: 42181

Re: 30 year mortgage under 3%

I have made literally one payment on my 3.625% 30-year mortgage. Am I insane for even considering a re-fi? 5 payments in on a conforming 30 yr fixed @ 3.375 and am looking at Hugh Choi’s calculator (https://www.hughcalc.org/loancomp.cgi) and waiting to see if rates drop below 3 w/o points. On the b...
by Tribonian
Mon Feb 24, 2020 6:01 pm
Forum: Personal Consumer Issues
Topic: Toy overload alternatives for grandparents
Replies: 104
Views: 5660

Re: Toy overload alternatives for grandparents

Since you are still just expecting, I’d emphasize that babies in general and newborns in particular really only need food, hygiene, sleep and love. The best gift, therefore, would be a visit so the baby can fall asleep enveloped by grandparental love, cheek to cheek, skin to skin. Better to spend ti...
by Tribonian
Mon Feb 24, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13452

Re: Do you ever use cash?

+1 for small businesses; I also always try to tip waitstaff, chambermaids & anyone else in the service industry with cash.
by Tribonian
Mon Feb 03, 2020 4:29 pm
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 146
Views: 10871

Re: Books that changed your life

Periodic Table by Primo Levi The Discoverers by Daniel J. Boorstin Sophie’s World by Jostein Gaarder Origins of the Mithraic Mysteries by Ulansey (David?) Hidden Life of Trees, Peter Wohlleben Fiction: Luis de Gongora, Soneto CLXVI Pedro Calderon de la Barca, La Vida es Sueño Miguel de Cervantes y S...
by Tribonian
Mon Jan 20, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: Best Italian restaurant in Paris?
Replies: 12
Views: 1197

Re: Best Italian restaurant in Paris?

Although controversial, for many centuries, it was accepted culinary history that French cuisine is derived from the madre cucina italiana, specifically when Catherine de Medici married Henry II of Valois and brought her retinue with her. Olive oil, emphasizing sauces, sorbet, ice cream etc. So, in ...
by Tribonian
Sat Jan 18, 2020 11:40 am
Forum: Personal Consumer Issues
Topic: Spain in July with kids
Replies: 49
Views: 3504

Re: Spain in July with kids

The Spanish rail system, Renfe, is like a wheel with spokes radiating out from Madrid, so you could go anywhere. General tip: when dining out, always ask about the menu del día: it’s a fascist legacy that requires restaurants to provide a fixed menu with bread, wine, first course (vegetable based, o...
by Tribonian
Mon Jan 06, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: Anyone Familiar with LAX? Advice Needed
Replies: 9
Views: 986

Re: Anyone Familiar with LAX? Advice Needed

Are you both checking luggage? Apart from terminal 1 (Southwest), the terminals are all connected by tunnel or bridge. The one traveling without checked luggage could walk to the gate of the other. To retrieve checked luggage, you have to leave the TSA secured area. At that point, I’d rendezvous at ...
by Tribonian
Sat Nov 23, 2019 2:03 am
Forum: Personal Finance (Not Investing)
Topic: Nervous first time refinancer, need help. Can a rate or points change again after the hard credit check.
Replies: 11
Views: 764

Re: Nervous first time refinancer, need help. Can a rate or points change again after the hard credit check.

Had multiple mortgages with AIMLoan, then ran into a hiccup and sough another lender- Ally. Wound up getting a small bidding war between the prospective lenders. They wanted the same information so it was pretty easy. Ally won my business after several competing offers. If you haven’t signed loan do...
by Tribonian
Sun Nov 10, 2019 10:26 am
Forum: Personal Investments
Topic: CalPERS - Are there additional ways to increase retirement savings?
Replies: 13
Views: 1214

Re: CalPERS - Are there additional ways to increase retirement savings?

You could buy extra years of service. The earlier you buy in, the less it costs since your pay is generally lower earlier in your career (but you have a higher chance of dying before starting to collect the pension) https://www.calpers.ca.gov/docs/forms-publications/service-credit-purchase-options....
by Tribonian
Thu Oct 31, 2019 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Better.com for New Home Mortgage? Reliable?
Replies: 13
Views: 1433

Re: Better.com for New Home Mortgage? Reliable?

We have only done home loans through online lenders. The last one was through Better.com.They had some odd last minute requests, like signing a document that we had no ownership interest in a place we rented 18 years prior, but they met our aggressive deadline (we switched late in the process). I de...
by Tribonian
Fri Oct 04, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: At wits end with mortgage company issues
Replies: 74
Views: 6204

Re: At wits end with mortgage company issues

Social media shaming sometimes helps; I’d start with Twitter, see if there is an individual who responds to on-line complaints and contact them directly, then go public with any unresolved complaints.
by Tribonian
Thu Sep 26, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: Planning a Europe trip in Dec 2019 last week. Need advice
Replies: 27
Views: 1919

Re: Planning a Europe trip in Dec 2019 last week. Need advice

If you decide on Rome, plan to be inside on New Year’s Eve- one of their traditions is to throw all manner of household goods out the window to celebrate.

You can still eat very well for very little in Spain or Italy- have a paella, arancino or a risotto if you want rice.
by Tribonian
Wed Sep 25, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 10446

Re: Physical activity suggestions for a non athletic youth

[/quote] Don't forget that we are talking about an 11 year old here. You want to be really careful about doing calorie restriction and the like. General diet clean up (i.e. eating veggies and the like) is fine. But restrictive eating can really mess the kids up. On the exercise front, you run into t...
by Tribonian
Wed Sep 25, 2019 8:35 pm
Forum: Personal Investments
Topic: Fine Art Investments
Replies: 77
Views: 5355

Re: Fine Art Investments

A former employer of mine once bought a Picasso in Johannesburg that he later sold in Paris. I don’t think he lost money but he achieved his objective of mitigating currency risk. And he really enjoyed the painting for the few months it was in his possession.
by Tribonian
Wed Sep 25, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 10446

Re: Physical activity suggestions for a non athletic youth

I second the food log/diary suggestion- since there are impulse control issues, anything that supports executive function in the PFC versus the hypothalamus’ instinctual cravings for calories would be good. (Apologies for the gross oversimplification.) Same for whatever physical activity he chooses,...
by Tribonian
Wed Sep 25, 2019 12:26 am
Forum: Personal Consumer Issues
Topic: Thought provoking non-fiction for 3rd grader
Replies: 51
Views: 2803

Re: Thought provoking non-fiction for 3rd grader

I was just about to recommend the William Kamkwamba book; I did not know there was a children’s version. Apart from the description of the famine towards the beginning, I wouldn’t have any concerns about it being appropriate.
by Tribonian
Mon Sep 23, 2019 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance mortgage with Aimloan?
Replies: 15
Views: 1564

Re: Refinance mortgage with Aimloan?

We’ve used AIMLoan for both purchase and refi and they were easy to deal with each time.
by Tribonian
Mon Sep 23, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 10446

Re: Physical activity suggestions for a non athletic youth

Do you have a dog or other pet he could take on walks?
by Tribonian
Mon Sep 23, 2019 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Paying taxes for selling gold coins
Replies: 54
Views: 3326

Re: Paying taxes for selling gold coins

Most of the responses treat the gold purely as bullion (likely correct) but gold coins have 3 potential valuations: bullion, numismatic, and legal tender. If the coins are rare, the numismatic value may far exceed the premium above spot. So the value might be higher, but the appreciation (or depreci...
by Tribonian
Sat Sep 21, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: What generalist books attempt to explain human nature?
Replies: 39
Views: 2999

Re: What generalist books attempt to explain human nature?

Reading Moral Tribes by Joshua Greene, philosopher turned neuro researcher. His own research was based on posing intractable moral dilemmas to people then charting brain activity in an nMRI. I don’t always agree with his extrapolations, the prose can be a little awkward and the contemporary commenta...
by Tribonian
Sat Sep 21, 2019 12:42 pm
Forum: Personal Investments
Topic: Sold my Business (2.2 Million)! Where to store proceeds while I think?
Replies: 204
Views: 16781

Re: Update Post Sale of Business! - Pay Off Home or Not?

As others have noted, 3.9 is higher than necessary and the PMI is completely unnecessary. If not paying off altogether (which would be my personal preference), I’d refinance if your income stream satisfies lenders. I’d play the current lender off a prospective one, and see if Ally would match or bea...
by Tribonian
Sun Sep 08, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: How much have you budgeted for your hobbies (or pastimes) in retirement?
Replies: 7
Views: 1176

Re: How much have you budgeted for your hobbies (or pastimes) in retirement?

If you enjoy playing slot machines, have you considered just buying a few?

The electro-mechanical Bally’s are <$1000 each and even the newest WMS ones are less than your annual budget.

You might even find one with a theme that matches another interest.
by Tribonian
Fri Aug 30, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Cheaper healthcare in Italy?
Replies: 27
Views: 2484

Re: Cheaper healthcare in Italy?

My information is dated, but the healthcare I received in Milan was similar to what I received at MGH in Boston and superior to Kaiser in California. And it cost me nothing beyond the minimal taxes I was already paying. I heard lots of complaints about inefficiency and wait times but I did not exper...
by Tribonian
Tue Aug 27, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to help an employee who is in debt and requesting a loan
Replies: 110
Views: 8880

Re: How to help an employee who is in debt and requesting a loan

Is there a way for the workplace to provide a daycare or other facility that would not only benefit the autistic child specifically, but other employees’ kids as well?

If the older kids are working, they should be of an age to help the younger ones get ready for school.
by Tribonian
Thu Aug 08, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, give me strength to resist a car purchase when I find myself way ahead of our financial goals
Replies: 61
Views: 4721

Re: Bogleheads, give me strength to resist a car purchase when I find myself way ahead of our financial goals

My math is bad, but wouldn’t $50k compounding at 7% (your assumption) for 13 years be worth $120k? I’d rather have that than a 13 year old gas guzzler in 2032. A new SUV will not only depreciate in market value but in your personal satisfaction, and likely very quickly. I’d keep the reliable car as ...
by Tribonian
Sat Aug 03, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Used Car Recommendations for Active Retired Couple
Replies: 31
Views: 2369

Re: Used Car Recommendations for Active Retired Couple

Have you looked into carshare for the city driving & other rentals for the road trips? Standard rate for Zipcar is $8/mo + c.$12/hr. or $89/day, You might be able to find discounts. Enterprise offers $40 annual then $8/hr or $69/day. That could be pretty competitive if you are not daily drivers and ...
by Tribonian
Fri Aug 02, 2019 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage lenders - cut off for switching
Replies: 7
Views: 1065

Re: Mortgage lenders - cut off for switching

The point of no return? When the mortgage closing docs are signed and sealed. We've processed more than one mortgage application at a time, as "insurance" in case something went wrong with the "first one". The application fees were not all that much, compared with the cost of borrowing. The first t...
by Tribonian
Fri Aug 02, 2019 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage lenders - cut off for switching
Replies: 7
Views: 1065

Re: Mortgage lenders - cut off for switching

Thank you fortfun- the math is definitely helpful, but I should have made more clear that it is a process question. What do others consider the point of no return? Upon clearing the underwriter? 3 weeks from close? We think we will own the home around 25-30 years. A vacation home we will retire to ...
by Tribonian
Fri Aug 02, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 55
Views: 7705

Re: Has anyone taken out an online mortgage?

BusterMcTaco wrote:
Fri Aug 02, 2019 4:40 pm

As an update, Ally just informed me that they no longer have this program (would not match my other offer).
Ally is offering $500 off closing costs if you have an account that has been open with them for at least 6 months. My account with under $20 was good enough for them.
by Tribonian
Fri Aug 02, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage lenders - cut off for switching
Replies: 7
Views: 1065

Re: Mortgage lenders - cut off for switching

Thank you fortfun- the math is definitely helpful, but I should have made more clear that it is a process question. What do others consider the point of no return? Upon clearing the underwriter? 3 weeks from close? We think we will own the home around 25-30 years. A vacation home we will retire to a...
by Tribonian
Fri Aug 02, 2019 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage lenders - cut off for switching
Replies: 7
Views: 1065

Mortgage lenders - cut off for switching

We’re currently in escrow. Locked a 30 year fixed at 3.75, lender does not offer a float down. Loan has progressed through to underwriter and they are ready to fund pending receipt of a few third party documents. Rates have dropped and Ally (and others) is offering similar closing costs etc. but at ...
by Tribonian
Thu Jun 13, 2019 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: US Citizen Retiring in Ireland
Replies: 30
Views: 4086

Re: US Citizen Retiring in Ireland

I have not investigated personally, but it is my understanding that Ireland requires a number of years of legal residency for non-EU citizens before health care benefits accrue. When relatives looked into it years ago, the requirement was long- something like 10 years. Ireland also used to have (and...
by Tribonian
Thu May 23, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: a week in Italy(first time)
Replies: 53
Views: 4651

Re: a week in Italy(first time)

If you don’t have religious motivation, I’d consider going to the Capitoline Museum instead of Vatican & St. Peter’s. The collection is smaller but incredible. Access and crowds are much better. Lots of other great churches in Rome- I’m particularly fond of San Clemente & Sta. Maria in Trastevere.
by Tribonian
Mon May 13, 2019 9:31 pm
Forum: Personal Consumer Issues
Topic: a week in Italy(first time)
Replies: 53
Views: 4651

Re: a week in Italy(first time)

Firenze (Sta. Maria Novella) to Pisa Centrale is a regional train with multiple departures every hour. When you arrive in Pisa, look at the timetable at the end of the platform so you know when to come back. Some of the regional trains are faster than others but looks like it’s roughly 2 hours and a...