Search found 61 matches

by Sunrise
Fri Sep 25, 2020 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516172

Re: Refinance Mega Thread

Thanks for your replies Johny and presto, appreciate it! :sharebeer
by Sunrise
Fri Sep 25, 2020 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516172

Re: Refinance Mega Thread

Hi Sunrise. I slept on this last night. $5,200 is a big swing if we go with IM. We do plan to be in this house until retirement (25 years to go) and beyond unless unforseen circumstances happen but as far as selling and moving we are done with that part of our lives. 6 years to break even isn't so ...
by Sunrise
Fri Sep 25, 2020 2:55 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516172

Re: Refinance Mega Thread

Hi all, I have a new loop to throw into my refinance dilemma. $435,000 loan amount Cash out refi So currently I am locked with Loan Cabin at 2.75% 30 year with a lender credit of $5,900. My cash out of $100,000 will jump up to $103,000 due to this large credit. I was planning on hopefully getting a...
by Sunrise
Fri Sep 25, 2020 2:31 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516172

Re: Refinance Mega Thread

Is there any of these sites in particular that people would suggest for a purchase? I’d highly suggest a local lender for a purchase. I feel like you could lose a house using these sites. My LenderFi refi took 7 weeks and I’m highly organized with nothing complex. How do you find a local one with c...
by Sunrise
Fri Sep 25, 2020 2:02 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516172

Re: Refinance Mega Thread

Is there any of these sites in particular that people would suggest for a purchase? I’d highly suggest a local lender for a purchase. I feel like you could lose a house using these sites. My LenderFi refi took 7 weeks and I’m highly organized with nothing complex. How do you find a local one with c...
by Sunrise
Tue Sep 22, 2020 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516172

Re: Refinance Mega Thread

What is the deal with Loan Cabin? The rates for my assumptions look great - and blow just about everything else out of the water. I put in an application - but I can't get in touch with anyone to get an LE. I applied about a week and a half ago. I sent them an email this past Saturday (9/19), and g...
by Sunrise
Tue Sep 22, 2020 2:07 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516172

Re: Refinance Mega Thread

Thanks. Maybe the problem with my application submittal was the web browser I was using (Microsoft Edge), although it seemed to work fine until the very end/submit. Maybe I'll try again using Google Chrome. Their web site "view rates" calculator seems to work better for me with Chrome.
by Sunrise
Tue Sep 22, 2020 1:44 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516172

Re: Refinance Mega Thread

What is the deal with Loan Cabin? The rates for my assumptions look great - and blow just about everything else out of the water. I put in an application - but I can't get in touch with anyone to get an LE. I applied about a week and a half ago. I sent them an email this past Saturday (9/19), and g...
by Sunrise
Tue Sep 22, 2020 1:31 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516172

Re: Refinance Mega Thread

For those of you that have applied for a refinance with Loan Cabin (LC) using their online loan application (accessed by the "Get Started" button on their web site): after getting through the whole application and clicking "submit" at the very end, did you get an email or some other notification soo...
by Sunrise
Sun Sep 20, 2020 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125947

Re: My LenderFi refinance is going well

Thanks presto. Sent you a PM.
by Sunrise
Sun Sep 20, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: Quiet treadmill for apartment
Replies: 6
Views: 748

Re: Quiet treadmill for apartment

I don't have any personal experience with them, but you might want to look into non-motorized treadmills? Woodway treadmills are premium, but I believe some of them have "Dynamic Mode" which allows the belt to spin freely (like non-motorized). I have an old TRUE brand (model 500) treadmill with an o...
by Sunrise
Sun Sep 20, 2020 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125947

Re: My LenderFi refinance is going well

For those that have refinanced with LenderFi recently, did you find their initial offer (Loan Estimate) competitive/acceptable? Or was there additional negotiation needed, etc.? Thanks.
by Sunrise
Sun Sep 20, 2020 6:34 pm
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3338

Re: Best shoes for running?

It is certainly ok to carefully experiment with modifications in running technique, but forcing a gait style that is not natural or comfortable on the basis of a theoretical argument tends to not be productive and can lead to injury. Best to proceed slowly, build mileage gradually and run in a way ...
by Sunrise
Sun Sep 20, 2020 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Reason not to rent out your old house?
Replies: 58
Views: 4729

Re: Reason not to rent out your old house?

If you buy a new house and you can rent out your old house for more than your monthly mortgage payment (+taxes/insurance), is there a reason WHY you shouldn't do that? Don't you get to have your mortgage paid for, have a small income stream, and hold onto the property and capture rising home equity...
by Sunrise
Sun Sep 20, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3338

Re: Best shoes for running?

For road running, I think the current line of Saucony shoes is pretty good. You might look at their Triumph model, or one of the shoes in the Endorphin series. Going to a good running shoe store and getting them to analyze your gait may help with picking a shoe (neutral, stability, max pronation con...
by Sunrise
Sun Sep 20, 2020 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516172

Re: Refinance Mega Thread

- Amerisave : Had to unfreeze my credit accounts, but got a call 2 hours after application. Rep convinced me to pay the $500 after giving me a quote over the phone and showing me the completely breakdown online. So far so good. sunny_socal, could you give a little more detail on what "Had to unfree...
by Sunrise
Sun Sep 20, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3338

Re: Best shoes for running?

I love running. Except the injuries to my knees. I am not looking for medical advice. Are there better shoes or any prior preparations that help mitigate the risk of knee injuries? In the past, once in a while, I'd get a strain in my calf muscle while running. Wearing a compression sleeve on my cal...
by Sunrise
Sun Sep 20, 2020 5:06 pm
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3338

Re: Best shoes for running?

NO I am not an Olympian. Far from it. I run every day on hard surfaces in my neighborhood. I like the feeling after my run and the jump in the pool after a good sweat. I will re-check my cadence tomorrow. What was the point of your question? Thanks a lot for all your input! If you had/have injuries...
by Sunrise
Sun Sep 20, 2020 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Federal Reserve average mortgage rate data
Replies: 6
Views: 345

Re: Federal Reserve average mortgage rate data

Thank you both, appreciate the help!
by Sunrise
Sun Sep 20, 2020 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Federal Reserve average mortgage rate data
Replies: 6
Views: 345

Re: Federal Reserve average mortgage rate data

I would also be very interested in any other good reliable sources of online mortgage rate data that you might suggest. Thanks!
by Sunrise
Sun Sep 20, 2020 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Federal Reserve average mortgage rate data
Replies: 6
Views: 345

Federal Reserve average mortgage rate data

Hi, Does the Federal Reserve publish current average mortgage rate data online somewhere? I've searched but can't find. Like for 30-Year or 15-Year Fixed Rate mortgages. I know that Bankrate publishes data from a national survey of mortgage lenders. I was just curious how the Federal Reserve data wo...
by Sunrise
Sat Sep 19, 2020 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516172

Re: Refinance Mega Thread

Great thread!
by Sunrise
Wed Aug 19, 2020 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: What if my renter DOESN’T call me at 3am about the toilet?
Replies: 37
Views: 5463

Re: What if my renter DOESN’T call me at 3am about the toilet?

Also, do you allow pets in the condo? If you don’t, you better check on that periodically. I believe most landlord insurance policies don’t cover animal bite liability. Your tenant doesn’t care if you get sued.....not their problem! Don’t get me wrong, I’m a live and let live kind of guy and my defa...
by Sunrise
Wed Aug 19, 2020 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: What if my renter DOESN’T call me at 3am about the toilet?
Replies: 37
Views: 5463

Re: What if my renter DOESN’T call me at 3am about the toilet?

Does the condo have an air conditioner/heating unit on premises? Is it being regularly serviced? I would take a look at that and make sure tenant is changing the air filter regularly, and that coil(s) are clean, etc. You don’t want mold issues in your HVAC system. I have two SFH rentals, and I suppl...
by Sunrise
Wed Nov 27, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: Garage ceiling bike storage
Replies: 29
Views: 3291

Re: Garage ceiling bike storage

This is the Cadillac system but I'm not sure how well it would work on a sloped ceiling. Probably not well https://www.saris.com/product/cycleglidestorage-system For anyone interested, this storage system just went on sale on amazon for 20% ($49) off, I just purchased one, says they now have 7 left...
by Sunrise
Wed Nov 27, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Garage ceiling bike storage
Replies: 29
Views: 3291

Re: Garage ceiling bike storage

This is the Cadillac system but I'm not sure how well it would work on a sloped ceiling. Probably not well https://www.saris.com/product/cycleglidestorage-system For anyone interested, this storage system just went on sale on amazon for 20% ($49) off, I just purchased one, says they now have 7 left...
by Sunrise
Mon Nov 18, 2019 3:11 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy tinkering - incorrect dates & "market liquidity fund"?
Replies: 8
Views: 1071

Re: LifeStrategy tinkering - incorrect dates & "market liquidity fund"?

I noticed today that the “Vanguard Market Liquidity Fund” has also been added to the Target Retirement Fund allocations (at least the two that I looked at, 2025 and 2030). Not sure what the reason is for the addition of this fund. Allocation is currently also 0%.
by Sunrise
Wed Jun 05, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 86
Views: 9692

Re: Favorite youtube channels?

We don't have cable so I find myself watching a lot of online content when I'm not wrangling kids or reading. What are some of your preferred youtube channels? I need some new content. We have a thread about movies so this doesn't seem inappropriate here. If you are into running (especially trail r...
by Sunrise
Wed May 29, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: How to affordably get rid of home pool
Replies: 35
Views: 2843

Re: How to affordably get rid of home pool

And I never need to “shock” my salt pool with liquid chlorine. I keep free chlorine at about 6ppm (by adjusting how long salt chlorine generator is on per day and at what duty cycle) and stabilizer (cyanuric acid a.k.a. CYA) at about 70-80ppm (to keep chlorine from burning off due to sunlight). Work...
by Sunrise
Wed May 29, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: How to affordably get rid of home pool
Replies: 35
Views: 2843

Re: How to affordably get rid of home pool

We have a swimming pool in our back yard that has cost money and time over the years and are ready to get rid of it. However, I called an excavation company that said i t would cost around 5K to fill it all in with dirt , break up the surrounding concrete and all that. We aren't ready to pay that m...
by Sunrise
Sat May 25, 2019 4:35 am
Forum: Personal Consumer Issues
Topic: Windows for Noise Reduction
Replies: 36
Views: 2860

Re: Windows for Noise Reduction

I'm in Florida. I researched impact/hurricane windows for sound reduction...apparently they work well to reduce noise. Anyone have experience with impact/hurricane windows for sound reduction? Yes. We recently had all of the windows in our home replaced with PGT WinGuard impact resistant units. Ver...
by Sunrise
Wed May 01, 2019 12:28 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 284
Views: 37399

Re: What is your AA, given your age? and, Why?

I am in my sixties. My AA is about 60/40 because 1. That seems to work. I really like making money when the stock market goes up and don't mind losing too much money when it goes down. 2. It doesn't really matter than much. 3. It's been that way ft or awhile and will be that way for the rest of my ...
by Sunrise
Sun Mar 03, 2019 12:13 am
Forum: Personal Investments
Topic: Need to divorce raymond james
Replies: 26
Views: 3739

Re: Need to divorce raymond james

So do my parents (need to divorce raymond james)!
by Sunrise
Thu Dec 27, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with Knights Of Columbus Permanent Life Insurance?
Replies: 7
Views: 1359

Re: Anyone familiar with Knights Of Columbus Permanent Life Insurance?

Thank you all for taking the time to reply, great information. We'll be contacting our agent tomorrow. Thanks.
by Sunrise
Wed Dec 26, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with Knights Of Columbus Permanent Life Insurance?
Replies: 7
Views: 1359

Anyone familiar with Knights Of Columbus Permanent Life Insurance?

Hello, My wife has a Knights Of Columbus life insurance policy that her father purchased for her when she was a child. My wife doesn't know much about it other than it's important to pay the annual life premium to keep the policy in force, so she has been doing that faithfully, we are both in our la...
by Sunrise
Tue Dec 18, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Apple watch Series 3
Replies: 4
Views: 660

Re: Apple watch Series 3

I picked up a Series 3 42mm GPS+Cellular Nike+ model on Cyber Monday for $299, it's currently $284! (B&H photo video). I really like it. My main reason is that I'm a trail runner and don't want to carry my big phone (iPhone Xr), in case I have some issue out on the trail I can call for help with my ...
by Sunrise
Fri Dec 07, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Portable Bluetooth Speaker Recommendations (loud and good sound quality)
Replies: 33
Views: 2471

Re: Portable Bluetooth Speaker Recommendations (loud and good sound quality)

The new KEF lsx wireless. Don't worry about the price. You're getting a TRUE taste if audiophile quality sound, in a very high quality and attractive package. Add a Tidal Hi-Fi subscription and be amazed. Wow this thread gets more awesome all the time! While these KEF lsx wireless look awesome, the...
by Sunrise
Thu Dec 06, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: Portable Bluetooth Speaker Recommendations (loud and good sound quality)
Replies: 33
Views: 2471

Re: Portable Bluetooth Speaker Recommendations (loud and good sound quality)

Man this thread turned out to be great! I’m going to be up late tonight looking into all these units! I’m an Engineer so you know there will be a spreadsheet involved😁. I’ll let you know which one I decide on! Still open for more ideas!
by Sunrise
Thu Dec 06, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Portable Bluetooth Speaker Recommendations (loud and good sound quality)
Replies: 33
Views: 2471

Re: Portable Bluetooth Speaker Recommendations (loud and good sound quality)

Thanks everyone for the replies, looks like I have some good options to look at, that Megaboom looks wicked! Keep the comments coming! I’ll look up all of these suggestions tonight!
by Sunrise
Thu Dec 06, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Portable Bluetooth Speaker Recommendations (loud and good sound quality)
Replies: 33
Views: 2471

Portable Bluetooth Speaker Recommendations (loud and good sound quality)

Hello, I would like to purchase a good quality portable Bluetooth speaker that I can use primarily in my garage gym when I'm working out and around the backyard/pool (doesn't necessarily have to be waterproof). Will be connecting to it with my new iPhone Xr and playing Amazon Prime Music to start. R...
by Sunrise
Tue Dec 04, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: what is the CRSPTM1 index?
Replies: 7
Views: 1766

Re: what is the CRSPTM1 index?

I know this thread is old, but does anyone know the difference between CRSP US Total Market TR Index (^CRSPTMT) and CRSP US Total Market Index (^CRSPTM1)? In the first one, "TR" I believe stands for "Total Return". Which one is best for tracking the Vanguard Total Stock Market Index Fund? Thank you.
by Sunrise
Thu Nov 01, 2018 12:30 pm
Forum: Investing - Theory, News & General
Topic: Is market cap weighting a dumb idea?
Replies: 64
Views: 3770

Re: Is market cap weighting a dumb idea?

Thanks JoMoney! Appreciate the info, I'll give it a good study!
by Sunrise
Thu Nov 01, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: Is market cap weighting a dumb idea?
Replies: 64
Views: 3770

Re: Is market cap weighting a dumb idea?

By owning the entire market, as it's weighted, over time, you're almost certain to outperform 80%+ of the alternative strategies out there. Have you see the SPIVA scorecards or research Mr.Bogle has kept on a series of mutual funds since the 1970's? Where can I view these SPIVA Scorecards? Is there...
by Sunrise
Tue Oct 09, 2018 6:18 pm
Forum: Investing - Theory, News & General
Topic: The benefits of international diversification - NOT: Hulbert
Replies: 80
Views: 6366

Re: The benefits of international diversification - NOT: Hulbert

I do know that it's situations like this that make me glad to be a trend follower so that I can be ambivalent to this issue, among many others. willthrill81, How can I learn more about how one would become a "trend follower"? Could you suggest a website(s) or book(s) to educate myself? Thanks.
by Sunrise
Fri Apr 20, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage refinance rate shopping?
Replies: 14
Views: 2330

Re: Mortgage refinance rate shopping?

Check with credit unions. I'm in Florida. I've always had good luck with GTE Financial and Pentagon Federal (PENFED) credit unions.
by Sunrise
Fri Apr 06, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Any Opticians/Optometrists on the board? - refurbishing Trivex lenses
Replies: 2
Views: 506

Re: Any Opticians/Optometrists on the board? - refurbishing Trivex lenses

Upon further investigation, I suspect the issue is that the Anti-Reflective coating (I believe it's on the backside of the lenses) has failed with "crazing". I'm looking at possibly getting some Hilco Vision AR Stripper to remove it. Any other suggestions for AR coating strippers/methods that I coul...
by Sunrise
Fri Apr 06, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Any Opticians/Optometrists on the board? - refurbishing Trivex lenses
Replies: 2
Views: 506

Any Opticians/Optometrists on the board? - refurbishing Trivex lenses

Hi, I have some prescription sport sunglasses made by a company called "Rudy Project", the model is called "Rydon". The lenses are made of their material called "ImpactX" which I believe is just the material called Trivex (urethane based pre-polymer, similar to polycarbonate plastic). I've had these...
by Sunrise
Thu Mar 15, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 249
Views: 41549

Re: Those with high savings rate: why?

Pretty much yes to all. I want to retire before age 60. I have a pension, but not sure if all promised will be delivered. Just want the freedom and options that a large retirement account balance provides.
by Sunrise
Thu Mar 15, 2018 7:23 pm
Forum: Personal Investments
Topic: If you were to fully fund 2 Roths 22k tommorow.
Replies: 20
Views: 1773

Re: If you were to fully fund 2 Roths 22k tommorow.

We are a little older (47/48). I settled on a 85/15 (stocks/bonds) allocation for our Roth IRAs, so we're currently in Vanguard Target Retirement 2040. I will monitor this mix as time goes on, and when it moves more conservative I will switch to TR 2045 to maintain ~85/15. 401(k) allocation is about...