I’ll second Lenderfi. Great to deal with and gave me a better offer on the phone than was advertised too.
I left Aimloan.com for lenderfi, but was happy with my previous loans and Refis with them too.
Search found 257 matches
- Tue Jan 19, 2021 8:47 am
- Forum: Personal Finance (Not Investing)
- Topic: Need to lock 30 year mortgage NOW - where to start?
- Replies: 26
- Views: 1769
- Sun Jan 10, 2021 7:06 pm
- Forum: Personal Consumer Issues
- Topic: Help Me [Recover] My Bitcoin!
- Replies: 126
- Views: 20512
Re: Help Me [Recover] My Bitcoin!
This is a fascinating read. Sorry but the bitcoin is lost unless you can find the private keys. Side note, this is another reason why the remaining bitcoin are becoming more valuable. So many bitcoin are lost and unrecoverable. The mindbender here is no one knows what percentage this is... unless p...
- Sun Jan 10, 2021 6:34 am
- Forum: Personal Consumer Issues
- Topic: Purchasing an overpriced vintage item
- Replies: 26
- Views: 2087
Re: Purchasing an overpriced vintage item
If after all this time you are still willing to pay that price, then apparently you are the market and the sellers price and patients is priced accordingly
- Sat Jan 09, 2021 9:18 pm
- Forum: Personal Investments
- Topic: Inherited IRA w/RMD: bonds or stocks?
- Replies: 8
- Views: 470
Re: Inherited IRA w/RMD: bonds or stocks?
I posted a similar question today as well. My balance is also small enough to not really have a wrong answer either.
viewtopic.php?f=1&t=335767&p=5722628#p5722628
viewtopic.php?f=1&t=335767&p=5722628#p5722628
- Sat Jan 09, 2021 11:18 am
- Forum: Investing - Theory, News & General
- Topic: didn't there used to be a "Convert" button?
- Replies: 10
- Views: 1171
Re: didn't there used to be a "Convert" button?
Its there in VG. In small print along the top in your IRA account. Did it this week
- Sat Jan 09, 2021 8:32 am
- Forum: Personal Investments
- Topic: What is an appropriate percentage of net worth to spend on a house?
- Replies: 19
- Views: 1884
Re: What is an appropriate percentage of net worth to spend on a house?
Your post history can be summed up; Age 30 Don’t want to work No income How much house can I buy in cash..... in a major city Don’t want bonds because short term performance has been bad That’s all fine and well, like others have said, you need a budget of your annual expenses weighed against your w...
- Sat Jan 09, 2021 8:09 am
- Forum: Personal Investments
- Topic: Pre-SECURE ACT inherited IRA strategy
- Replies: 2
- Views: 292
Pre-SECURE ACT inherited IRA strategy
I often see advice for these to be into bonds or fixed income as to not have a taxable RMD situation and I am sometimes left wondering why.... Is it simply for accounts with larger RMDs to not push taxable income up in earning years? My situation, I received a small Inherited IRA a few years ago, it...
- Mon Jan 04, 2021 9:31 pm
- Forum: Personal Finance (Not Investing)
- Topic: Got my stimulus check, how about you?
- Replies: 181
- Views: 11780
Re: Got my stimulus check, how about you?
Got mine, expected a reduced amount for phase out (MFJ), but didn’t get the wife’s portion, or 2 dependents amount.... On the IRS site, it says both hers and mine payment went to my bank account.
I’ll check back in the morning to see if anything additional posts.
I’ll check back in the morning to see if anything additional posts.
- Mon Jan 04, 2021 10:11 am
- Forum: Personal Investments
- Topic: 38 years old, Investments, FIRE, House Purchase
- Replies: 22
- Views: 2764
Re: 38 years old, Investments, FIRE, House Purchase
OP, Are you contributing to Roth 403B? If yes, why? Why do you choose to pay more taxes? Why are you 100% stock? You are too close to retirement. You don't have the ability to take the risk. KlangFool I did for 2020. I thought the pretax was getting a bit high and may result in me paying higher tax...
- Mon Jan 04, 2021 5:57 am
- Forum: Personal Consumer Issues
- Topic: Selling a classic Jaguar
- Replies: 20
- Views: 1498
Re: Selling a classic Jaguar
I have bought on Bringatrailer.com and highly recommend their platform. Much more of a peer to Barrett-Jackson or Mecum than ebay or cars.com.
Selective and with a strong following, making it excellent exposure to sellers. Low commissions too, for sellers
Selective and with a strong following, making it excellent exposure to sellers. Low commissions too, for sellers
- Sun Jan 03, 2021 2:45 pm
- Forum: Personal Investments
- Topic: Why max 401k before 529?
- Replies: 181
- Views: 10321
Re: Why max 401k before 529?
Short answer is they can finance college, you cant finance retirement...
Or at the time you reduce contributions to cashflow college.
Or at the time you reduce contributions to cashflow college.
- Sun Jan 03, 2021 9:02 am
- Forum: Personal Investments
- Topic: Debt repayment plan
- Replies: 9
- Views: 514
Re: Debt repayment plan
Yes that is a good plan, similar to what im doing as well. It preserves liquidity but still builds toward a present goal, but allows priorities to change.
Also its not an all or nothing approach, you can do both. 50% Mortgage/VTSAX or some combination of the two.
Also its not an all or nothing approach, you can do both. 50% Mortgage/VTSAX or some combination of the two.
- Tue Dec 29, 2020 9:22 pm
- Forum: Personal Finance (Not Investing)
- Topic: LenderFi: Who did they sell your mortgage to?
- Replies: 23
- Views: 1827
Re: LenderFi: Who did they sell your mortgage to?
They have kept mine so far, closed Oct 2020
- Sun Dec 20, 2020 7:04 am
- Forum: Personal Finance (Not Investing)
- Topic: Do my wife and I even need a traditional estate plan?
- Replies: 78
- Views: 3989
Re: Do my wife and I even need a traditional estate plan?
We have more than enough time to choose heirs to the estate. But when the paperwork is completed (if it comes to that) we want to make sure it's the final decision that won't get changed later. I have friends who disinherited beneficiaries from their estate documents for one reason or another and i...
- Wed Dec 09, 2020 10:42 pm
- Forum: US Chapters
- Topic: Indiana Bogleheads Chapter Established
- Replies: 57
- Views: 3890
Re: Indiana Bogleheads Chapter Established
Thanks again for putting this together. Was a great meeting, hopefully we can all connect some dots in person soon. Towards the end of the call someone asked about getting attention to the thread for other perspective members as well as active discussion. I suppose keeping the thread active and bump...
- Wed Dec 02, 2020 11:04 pm
- Forum: Investing - Theory, News & General
- Topic: Pre vs Post tax investment for retirement
- Replies: 6
- Views: 519
Re: Pre vs Post tax investment for retirement
one of the biggest reasons people fund pre-tax vs post-tax for their retirements account is based on their guess of how their tax bracket will be in the future vs now. lets say your tax bracket is exactly the same for your contribution years vs withdrawal years (say you make 100k now and you plan t...
- Wed Dec 02, 2020 9:24 pm
- Forum: US Chapters
- Topic: Indiana Bogleheads Chapter Established
- Replies: 57
- Views: 3890
Re: Indiana Bogleheads Chapter Established
Fantastic! Thanks for putting this together. I’ll be there on that call.
- Wed Dec 02, 2020 11:35 am
- Forum: Personal Finance (Not Investing)
- Topic: Redeeming paper savings bonds
- Replies: 8
- Views: 765
Re: Redeeming paper savings bonds
I have been redeeming EE bonds at Chase each of the last 4 years as final maturity happened. Have not run into any issue cashing them at the counter.
- Wed Dec 02, 2020 11:29 am
- Forum: Personal Finance (Not Investing)
- Topic: Kill the Mortgage or no?
- Replies: 42
- Views: 2617
Re: Kill the Mortgage or no?
If the Taxable gains are small. Do half this month and half next month then you get to spread the tax bill over 2020 and 2021
- Wed Dec 02, 2020 9:56 am
- Forum: Personal Finance (Not Investing)
- Topic: Kill the Mortgage or no?
- Replies: 42
- Views: 2617
Re: Kill the Mortgage or no?
can you pay it off sooner thru regular cash flow without incurring capital gains tax? For example, start sending in $2k/mo or $2500? This is what I was replying with. I would just increase payments to the highest you can afford to pay it off ASAP versus taking a gain. No extra cashflow really. I wo...
- Wed Dec 02, 2020 8:32 am
- Forum: Investing - Theory, News & General
- Topic: Easiest way to buy bit coin/cryptocurrency index fund
- Replies: 185
- Views: 13635
Re: Easiest way to buy bit coin/cryptocurrency index fund
Looking over the Crypto section in PayPal, it seems so easy indeed. If PayPal hold the Key then are they on the hook if they get hacked for all our accounts vs coinbase where it falls on the user? How is crypto taxed in various accounts? I assume at Vanguard it’s treated like any other fund, but on ...
- Tue Dec 01, 2020 12:31 pm
- Forum: Personal Investments
- Topic: ETF fund and Mutual in both Roth IRA and Brokerage
- Replies: 9
- Views: 420
Re: ETF fund and Mutual in both Roth IRA and Brokerage
To answer the second question: actually it is disadvantageous to hold the same funds in both taxable account and the IRA account. It would constrain you from taking advantage of the drop in market, by selling the shares that lost value and buying an equivalent tax-loss-harvest partner. For example,...
- Tue Dec 01, 2020 12:26 pm
- Forum: Personal Investments
- Topic: ETF fund and Mutual in both Roth IRA and Brokerage
- Replies: 9
- Views: 420
Re: ETF fund and Mutual in both Roth IRA and Brokerage
I’m a complete newb to investing, but I’m seeking a faster way of increasing my portfolio and we all know that the Roth IRA is meant to help the average worker. Contributions to a Roth IRA or Traditional, are limited by the IRS to prevent us from benefitting more than the average worker from tax ad...
- Fri Nov 27, 2020 10:05 pm
- Forum: Personal Finance (Not Investing)
- Topic: Domicile and income
- Replies: 39
- Views: 3121
Re: Domicile and income
Are you an Airline employee? Delta and Southwest both have hubs in 2 of those 3 cities listed and strong presence in all 3, as well as other airlines that fit the description, AA and Spirit. Many airline crew commute to their domicile and live out of state, myself included. I pay state tax in my cla...
- Mon Nov 23, 2020 11:11 pm
- Forum: Personal Consumer Issues
- Topic: Car will fit in garage with one inch to spare - thoughts?
- Replies: 111
- Views: 9084
Re: Car will fit in garage with one inch to spare - thoughts?
A flush-mount garage door system will cost several thousand dollars. Even with that, you won't likely have enough room to get around the vehicle without opening the garage door. No way its 'several'. I just did mine a few months ago for a high lift conversion in preparation for a car lift. Chamberl...
- Sun Nov 15, 2020 12:30 pm
- Forum: Personal Finance (Not Investing)
- Topic: Pay off mortgage or not
- Replies: 70
- Views: 7034
Re: Pay off mortgage or not
I just did a 2.5% 15yr with lenderfi last month...
Congrats on the rate
Congrats on the rate
- Sun Nov 15, 2020 12:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Pay off mortgage or not
- Replies: 70
- Views: 7034
Re: Pay off mortgage or not
I've also refi'd twice this year. The last one was to a 15 year at 2.125% with $9,000 in lender credits , so I turned a nice profit for taking the lower rate. I've always been a fan of paying off the mortgage, but the rate is now lower than the Stable Value fund in my 401K is paying, so I'll probab...
- Thu Nov 05, 2020 10:06 am
- Forum: US Chapters
- Topic: Indiana Bogleheads Chapter Established
- Replies: 57
- Views: 3890
Re: Indiana Bogleheads Chapter Established
Im on the southeast side of Indianapolis, near Greenwood. Id love to be a part of a local chapter too. Would love a park or parking lot meet-up while we still have some descent weather available as well
- Wed Oct 21, 2020 8:01 am
- Forum: Personal Finance (Not Investing)
- Topic: Help with choosing Mortgage Co
- Replies: 16
- Views: 838
Re: Help with choosing Mortgage Co
Check Aimloan.com
Have been very happy with them and their rates
Have been very happy with them and their rates
- Tue Oct 20, 2020 7:46 am
- Forum: Personal Finance (Not Investing)
- Topic: Tenant modified property and subletting on AirBnB
- Replies: 96
- Views: 10837
Re: Tenant modified property and subletting on AirBnB
But landlording is like free money, amirite? :oops: I have usually given my tenants quite a bit of slack to minimize headaches. This particular tenant had been normal for two years. Hence the struggle if it's worthwhile to salvage the relationship. To quote MJ - "I changed, people change"...
- Mon Oct 19, 2020 9:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: To HSA or not
- Replies: 5
- Views: 543
Re: To HSA or not
With $210K salary, the $5200 you can contribute to the HSA is a $1248 tax savings in your 24% tax bracket, plus any state tax savings. But with the company contributing $2000 to the HSA and $3000 to the HRA, and the higher premium on the HSA that makes the day-one costs of both plans about equal (a...
- Mon Oct 19, 2020 9:31 pm
- Forum: Personal Finance (Not Investing)
- Topic: My LenderFi refinance is going well
- Replies: 1627
- Views: 151172
Re: My LenderFi refinance is going well
I closed this morning, just under 6 weeks from first contact. But I did delay last week because of a vacation. Minimal contact, but all business when something was needed and quick to respond. Got an email from the title company that funds received, hope to be funded by the end of the week.
- Mon Oct 19, 2020 9:14 pm
- Forum: Personal Finance (Not Investing)
- Topic: To HSA or not
- Replies: 5
- Views: 543
To HSA or not
Doing my open enrollment this evening and I have shunned my current company’s HDHP with an HSA option the last few years, for seemingly good reason, but I think I need another opinion I have previously used an HSA at my previous company and still have a small amount in it, but I remember it being a ...
- Sat Oct 17, 2020 4:46 pm
- Forum: Personal Investments
- Topic: Portfolio Review: Just Hit $500,000!
- Replies: 36
- Views: 5776
Re: Portfolio Review: Just Hit $500,000!
Well done for your age!! Keep your foot on the gas but make sure you're comfy with your asset allocation. On a separate note; can you really get 2.5% on a re-fi?? I'm skeptical, doubt it, would like to know, and would sooner just start lump sum payments to save on interest way before I would pay an...
- Fri Oct 16, 2020 7:25 am
- Forum: Personal Investments
- Topic: Should We Ever Save for Children's College?
- Replies: 467
- Views: 30445
Re: Should We Ever Save for Children's College?
You need to retire comfortably, you also want to help your offspring complete college. Here is my advice: First: Fund all available retirement accounts - tax-deferred and Roth, every year. Second: Fund your own taxable accounts with whatever you do not spend, every year. Third: Assist your offsprin...
- Fri Oct 09, 2020 7:00 am
- Forum: Personal Consumer Issues
- Topic: Flying during the pandemic
- Replies: 94
- Views: 5803
Re: Flying during the pandemic
Airline pilot here..... Fly...not just because i have a vested interest in the recovery of my industy, but because there simply hasnt been any significant data that this virus is actually spreading on planes, or in airports. There have been no elevated cases of crew members getting it across the ind...
- Wed Oct 07, 2020 7:32 am
- Forum: Personal Investments
- Topic: Should We Ever Save for Children's College?
- Replies: 467
- Views: 30445
Re: Should We Ever Save for Children's College?
You need to retire comfortably, you also want to help your offspring complete college. Here is my advice: First: Fund all available retirement accounts - tax-deferred and Roth, every year. Second: Fund your own taxable accounts with whatever you do not spend, every year. Third: Assist your offsprin...
- Thu Sep 17, 2020 8:31 am
- Forum: Personal Finance (Not Investing)
- Topic: My LenderFi refinance is going well
- Replies: 1627
- Views: 151172
Re: My LenderFi refinance is going well
Woke up this morning to my updated loan documents needing a signature with my rate lock letter.
Took a full week to get that, but so far smooth sailing
Took a full week to get that, but so far smooth sailing
- Wed Sep 16, 2020 7:57 am
- Forum: Personal Finance (Not Investing)
- Topic: Which refi would save me more?
- Replies: 20
- Views: 1259
Re: Which refi would save me more?
After reading some more of this forum I'm gonna see what lenderfi offers and then lastly check with better. Current Aimloan.com customer, have been happy with them and their service (direct lender not sold), but am in process with Lenderfi for a refi. They had the best rates. Absolutely right, rate...
- Wed Sep 16, 2020 5:51 am
- Forum: Personal Consumer Issues
- Topic: Tiffany Quality
- Replies: 35
- Views: 2859
Re: Tiffany Quality
A LeCrueset pot or other cookware is a solid item that may not get used everyday, but is the perfect thing when the recipe calls for it. I was gifted one when we got engaged 10 years ago, and it has held up well. And it’s oven to table presentable for a large meal. Plus it’s pricey enough I’m not li...
- Sun Sep 13, 2020 6:07 am
- Forum: Personal Investments
- Topic: I’ve got 50K to invest in an ultra aggressive portfolio—seeking growth to 1 Million
- Replies: 76
- Views: 7811
Re: I’ve got 50K to invest in an ultra aggressive portfolio—seeking growth to 1 Million
Seriously..... Go to a casino Head to the roulette table Cover 34 numbers equally (50k/34= 1470) Roulette payouts 35:1, with 0 and 00 that means there are 38 total numbers on the table. By covering 34 of them you have an 89.5% chance of winning. The payout is of course 1 unit of your equal bet. If y...
- Sat Sep 12, 2020 6:22 pm
- Forum: Personal Investments
- Topic: Ally Bank Not Reliable
- Replies: 50
- Views: 5127
Re: Ally Bank Not Reliable
Have you tried using the app?
I have had no problems with the app on my Samsung phone or using safari on the iPad
I have had no problems with the app on my Samsung phone or using safari on the iPad
- Fri Sep 11, 2020 5:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: Refinance mortgage or pay it off?
- Replies: 25
- Views: 1744
Re: Refinance mortgage or pay it off?
That was my thought too. See if you can get new terms on the current loan, while you figure out what the best tax strategy to pay off is.
Being a second home, you may not find as many of the super low terms however
Being a second home, you may not find as many of the super low terms however
- Fri Sep 11, 2020 5:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: Refinance mortgage or pay it off?
- Replies: 25
- Views: 1744
Re: Refinance mortgage or pay it off?
That was my thought too. See if you can get new terms on the current loan, while you figure out what the best tax strategy to pay off is.
Being a second home, you may not find as many of the super low terms however
Being a second home, you may not find as many of the super low terms however
- Fri Sep 11, 2020 5:24 pm
- Forum: Personal Finance (Not Investing)
- Topic: Bet that 30-year mortgage rates are below 2.00% by July 2021
- Replies: 37
- Views: 3952
Re: Bet that 30-year mortgage rates are below 2.00% by July 2021
Supposed to close on a re-fi soon at 3.25% for 30 years (no cost). Should I wait? Personally, I wouldn't wait, but shop around. That's not a good rate. It seems the "best lenders" per the Refi Mega thread are moving at a snail's pace...Lender Fi, Loan Cabin, and Better...LF flat out state...
- Thu Sep 10, 2020 4:36 pm
- Forum: Personal Consumer Issues
- Topic: Saving on flight schools!
- Replies: 20
- Views: 2037
Re: Saving on flight schools!
Airline pilot here.... Im a bit removed from General Aviation, but have wondered my path if either of the kids want to get into it. First have you taken an intro lesson or been up with friends? Make sure its as exciting as you hope it to be. If you want to get to your first solo, have you reviewed t...
- Wed Sep 02, 2020 2:11 pm
- Forum: Investing - Theory, News & General
- Topic: Ark Funds
- Replies: 118
- Views: 16339
- Tue Aug 11, 2020 8:28 am
- Forum: Personal Consumer Issues
- Topic: What YouTube channels do you watch?
- Replies: 56
- Views: 5215
Re: What YouTube channels do you watch?
For automotive entertainment,
Hoovie’s Garage
Anything by Doug Demuro
Both of those will send you down other automotive channel rabbit holes
Hoovie’s Garage
Anything by Doug Demuro
Both of those will send you down other automotive channel rabbit holes
- Mon Aug 10, 2020 6:07 am
- Forum: Non-US Investing
- Topic: Leverage on mortgage
- Replies: 17
- Views: 1612
Re: Leverage on mortgage
I am buying a house and can get a bigger loan than I need for 2%. Should I maximize the loan so I can buy as much as I can in VWCE? Bogleheads don't like leverage but I don't see this going wrong.. When you say bigger than you need, does that mean you have the money to put down for a smaller mortga...
- Tue Jul 07, 2020 4:59 pm
- Forum: Personal Investments
- Topic: Ally CD maturing
- Replies: 30
- Views: 2189
Re: Ally CD maturing
Ally is dropping to 1% now... remember rolling over a cd gets you a .05% bonus. In the maturity instructions, you can always add money. Its splitting hairs, but better than nothing