Search found 20 matches

by comehither2k18
Fri Oct 25, 2019 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 110
Views: 13656

Re: Refinance Mega Thread

Any recommendations for lenders in New York? (feel free to PM me or post here if allowed) I'm looking for $70k(plus closing costs added in) in a 15yr fixed with lowest closing costs. I currently don't have mortgage but my HELOC has a $65K balance which is what I want to refi. Also looking for extra ...
by comehither2k18
Fri Oct 18, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Closing costs on a refinance. Negotiable and how?
Replies: 7
Views: 791

Closing costs on a refinance. Negotiable and how?

My HELOC draw period is coming to an end in a few months. Balance is around $65k(paid of original mortgage with Heloc so no mortgage) I think, because of current rates, it's a good time to just get back into a 15yr fixed mortgage. Looking to borrow a total of $70k plus whatever closing costs are. Pe...
by comehither2k18
Wed Oct 16, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Time to shop for HELOC or home loan
Replies: 5
Views: 781

Re: Time to shop for HELOC or home loan

Thanks, Still trying to shop rates and I would like to refi into a 15 yr fixed. Did a couple online rate requests and within second the phone is ringing with lenders. They are more interested in doing a pull and closing in few days. And since I'm only borrowing $70k they really don't seem interested...
by comehither2k18
Thu Oct 03, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Time to shop for HELOC or home loan
Replies: 5
Views: 781

Time to shop for HELOC or home loan

The draw on my current heloc though Key is coming to an end in a few months. Ive always had the option convert the balance to a fixed rate loan, but never did. Years back we used heloc to pay off mortgage completely because rate was so much lower. So we only have the current Heloc balance, and no mo...
by comehither2k18
Thu Sep 13, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 180961

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Thank you to everyone on here for helping with our decision. We were scheduled for delivery on Saturday for a CRV LX but just canceled the purchase agreement. Even though the problem seems to be "mostly" with the 1.5t, I just don't want to constantly wonder if its going crop up at some time. One of ...
by comehither2k18
Wed Sep 12, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 180961

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

It has been reported for the 2.4 engine as well, as here (scroll down to #13): https://www.crvownersclub.com/forums/11-shoppin-test-drivin/178209-very-cautious-about-buying-crv-after-reading-some-post-here-advice-please-2.html I have no experience or first-hand knowledge of oil dilution problems wi...
by comehither2k18
Wed Sep 12, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 180961

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

If a purchase is hanging in the balance here, don't take any chances and go ask the experts: Honda CR-V Owners Club Forums Thanks, I just posted there too. Its looks like the main discussion on the issue was closed by the moderators. I find that kinda suspicious.. Not feeling too good about going t...
by comehither2k18
Wed Sep 12, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 180961

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Hope to to quick honest opinion from those following closely. Just signed today on a 2018 crv lx with 2.4 engine, to take delivery on Saturday. Went with LX cause I wanted nothing to do with the 1.5T and the major problem. We are in a cold climate Buffalo.. I keep cars for atleast 7 years so reliabi...
by comehither2k18
Thu Jun 28, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Buying and selling house in Western NY..Bank or mortgage broker?
Replies: 14
Views: 927

Re: Buying and selling house in Western NY..Bank or mortgage broker?

No one can tell you if you are better off or not. You really have to shop for it. I've use mortgage broker and internet loans. I have checked my bank, but did not initiate a mortgage or refinance with them. But they bought my loan once, so it showed up in my online banking anyways. Really: Shop aro...
by comehither2k18
Thu Jun 28, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Buying and selling house in Western NY..Bank or mortgage broker?
Replies: 14
Views: 927

Buying and selling house in Western NY..Bank or mortgage broker?

We are in Western NY and looking to move from our current neighborhood to somewhere a bit farther out because of school district and a bit more rural, but still near Buffalo. Our house will probably sell for $125K. We have no mortgage, just a Heloc with $55k balance. Difference minus closing costs w...
by comehither2k18
Sun Jan 28, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Bankers Life??? Getting an inherited IRA annuity held by retitled and moved ou.
Replies: 1
Views: 338

Bankers Life??? Getting an inherited IRA annuity held by retitled and moved ou.

I just started a new thread now that I sort of understand what I'm trying to do. Wife recently inherited a portion of her deceased mothers "Inherited (from wifes deceased grandmother) IRA Annuity" which was through Bankers Life. BL's communications with all beneficiaries has been terrible(wrong form...
by comehither2k18
Sun Jan 21, 2018 7:20 pm
Forum: Personal Investments
Topic: Help with setting up Inherited IRA and then transferring
Replies: 10
Views: 1027

Re: Help with setting up Inherited IRA and then transferring

Thanks for the heads up. We finally found out a bit more info. The largest(not really big at all) that she is inheriting is an Inherited Traditional IRA 408B which was opened in 2013. It is titled "Owner (wifes deceased grandmother) IRA FBO (wifes deceased mother). Mother inlaw inherited it back in ...
by comehither2k18
Fri Jan 19, 2018 12:25 pm
Forum: Personal Investments
Topic: Help with setting up Inherited IRA and then transferring
Replies: 10
Views: 1027

Re: Help with setting up Inherited IRA and then transferring

We are waiting for clarification from BL agent because were left with very little info from mother in-law. Unfortunately BL seems tough to deal with so far pkus the home office where she opened it is in different state. They called it a qualified single premium deferred IRA. We are still waiting for...
by comehither2k18
Thu Jan 18, 2018 10:24 pm
Forum: Personal Investments
Topic: Help with setting up Inherited IRA and then transferring
Replies: 10
Views: 1027

Re: Help with setting up Inherited IRA and then transferring

Can we expect BL to charge her for titling it in wifes name? And the "surrender charge" is something that may be assessed by BL when we were to transfer the properly titled annuity to Schwb or vanguard?
by comehither2k18
Thu Jan 18, 2018 5:02 pm
Forum: Personal Investments
Topic: Help with setting up Inherited IRA and then transferring
Replies: 10
Views: 1027

Re: Help with setting up Inherited IRA and then transferring

Thanks for the quick reply. The annuity has multiple beneficiaries. One of beneficiaries already sent paperwork in to lump sum payout with their share. Do you think BL can and will go ahead and title just my wife's portion of the current annuity which is titled in Mother inlaw's name?
by comehither2k18
Thu Jan 18, 2018 3:22 pm
Forum: Personal Investments
Topic: Help with setting up Inherited IRA and then transferring
Replies: 10
Views: 1027

Help with setting up Inherited IRA and then transferring

I posted a few weeks back and this forum helped us understand and pointed us in the right direction,as far as putting a plan together with the late mother in-laws 3 annuities that my wife and children(along with others) are benneficiaries of. We plan on taking the lump sum on the 2 smaller accounts ...
by comehither2k18
Thu Jan 04, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on Inherited? Annuity IRA Multiple Beneficiary
Replies: 10
Views: 1095

Re: Need advice on Inherited? Annuity IRA Multiple Beneficiary

Thanks for all the advice so far. Wife is going to call Bankers Life in the next few days in hopes they will help clarify our options but we just want to make sure we understand what we are asking ourselves if that makes any sense. I have a few questions that hopefully someone can point us in the ri...
by comehither2k18
Sat Dec 30, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on Inherited? Annuity IRA Multiple Beneficiary
Replies: 10
Views: 1095

Re: Need advice on Inherited? Annuity IRA Multiple Beneficiary

Thank you for the quick reply. We will certainly need to call Bakers Life and talk to someone in the estate department. Looking ahead, I think our as of now our main concern is keeping our 2018 household income below $125k. The reason for this is because 2018 income will be reported on the FAFSA for...
by comehither2k18
Fri Dec 29, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on Inherited? Annuity IRA Multiple Beneficiary
Replies: 10
Views: 1095

Need advice on Inherited? Annuity IRA Multiple Beneficiary

My first post and not I'm too familiar with IRA's/Annuity terms so please go easy on me but I sure am glad I found this site. My mother-in-law recently passed and my wife found out she is one of multiple beneficiaries of 3 separate contracts/accounts. The step father/executor is not one of the benef...