Search found 128 matches

by edudumb
Thu Jun 18, 2020 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6767
Views: 448203

Re: Refinance Mega Thread

After 4 weeks, I am finally closing with Better on Friday. I was not happy with the title company they used (Title365) as there were numerous delays during the process. I had initially wanted to use my own title company but Better convinced me not to because they said it would delay the process. We...
by edudumb
Wed Jun 17, 2020 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6767
Views: 448203

Re: Refinance Mega Thread

Closed on 5/23, funded 5/29 via better with Amex deal at 3.375% on a super conforming/high balance loan. Just a call from another lender i had reached out to offering 2.99% no cost (would just need to fund impounds). Tempted to do a couple hours of paperwork to drop this rate further and I don’t se...
by edudumb
Wed Jun 17, 2020 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6767
Views: 448203

Re: Refinance Mega Thread

Better.com says they will match the rate, beat the costs and give me the $2,500 Amex credit. I'm dragging my feet because ... this local lender ... continue to service the loans, ... Is it crazy to stick with the existing lender for those reasons and pass up the $2,500? I've heard better.com will e...
by edudumb
Fri Jun 12, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: how much to tip painters
Replies: 66
Views: 4398

Re: how much to tip painters

getting two buildings painted on the outside. the owner has 3 workers in their 20's. They all seem to be doing a very good job and have a good attitude, half way into a 6 day project. I bought them all lunch once already and the owner mentioned they were able to get two lunches out of it. so any id...
by edudumb
Fri Jun 05, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6767
Views: 448203

Re: Refinance Mega Thread

Before closing you suppose to receive a closing\settlement statement a few days before closing correct? I have only received a closing disclose from Better. For a couple years now, page 2 of the Closing Disclosure is permitted to be used in lieu of a HUD-1 settlement statement. My last two lenders,...
by edudumb
Fri Jun 05, 2020 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6767
Views: 448203

Re: Refinance Mega Thread

Before closing you suppose to receive a closing\settlement statement a few days before closing correct? I have only received a closing disclose from Better. For a couple years now, page 2 of the Closing Disclosure is permitted to be used in lieu of a HUD-1 settlement statement. My last two lenders,...
by edudumb
Wed Jun 03, 2020 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6767
Views: 448203

Re: Refinance Mega Thread

How does that really work? I assume that the lenders would still have to issue a loan estimate. If the rate isn't locked, then what is the loan estimate for? If you look at a Loan Estimate on the first page on the top right corner, there is a rate lock checkbox. It can be "no" or "yes." Rocket matc...
by edudumb
Wed Jun 03, 2020 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6767
Views: 448203

Re: Refinance Mega Thread

While I was shopping around and encountered a few lenders that would not lock the rate until conditionally approved. While that doesn't take long, I wasn't going to take the risk. I took my business elsewhere and ended up happy I did. While I could now get a better rate than what I got, I'm still h...
by edudumb
Wed Jun 03, 2020 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6767
Views: 448203

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 edudumb
Tue Jun 02, 2020 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6767
Views: 448203

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 edudumb
Tue Jun 02, 2020 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6767
Views: 448203

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 edudumb
Tue Jun 02, 2020 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6767
Views: 448203

Re: Refinance Mega Thread

Just locked in with Better.com a 15 year @ 2.5%. Cost excluding escrow $226. Their initial rates were not competitive at all. Best I got was 2.5% with $1226 closing with LenderFi. Sent the offer to Better.com, they matched rate and beat it by a $1000. Also confirmed that I will also get the $2500 A...
by edudumb
Tue Jun 02, 2020 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6767
Views: 448203

Re: Refinance Mega Thread

For those that have completed a refinance with Better: Got Better down to a rate I wanted after sending LE from Northpointe. I went through with the hard pull but when I went to lock in the rate the points went way up. Loan Estimate still has lower points but lock page is higher. Did anyone else ex...
by edudumb
Wed Oct 09, 2019 12:34 pm
Forum: Personal Investments
Topic: Job Change and 401K
Replies: 14
Views: 1282

Re: Job Change and 401K

If it helps, I'm in a similar boat and leaving the funds in my old employer's 401k at Fidelity. It really is a great plan, with self-directed brokerage and all the usual index/zero offerings. I may move the Roth 401k money into my Roth IRA account though - Fidelity never setup a different account f...
by edudumb
Tue Jul 30, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: Cheap Amazon Mattress Recommendations?
Replies: 20
Views: 1836

Re: Cheap Amazon Mattress Recommendations?

I also like a firm mattress. Here are the mattresses I have purchased from Amazon. Zinus Green Tea: https://www.amazon.com/gp/product/B00Q7EVAXO/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&th=1 I've had two of these Zinus Green Teas and loved them both. They last me exactly 3 years. Ashley Chime Expr...
by edudumb
Sat Jun 01, 2019 7:52 pm
Forum: Personal Investments
Topic: changing jobs, how to get employer-match?
Replies: 3
Views: 570

changing jobs, how to get employer-match?

Long story short, I'm a tenure-track professor at a state university. I had a job offer back in 2018 for a non-tenure track professor position at another state university, but for some reasons I could not take the offer until August 2019. I always knew that the new position would not offer retiremen...
by edudumb
Tue Apr 16, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: Received wrong vaccine...
Replies: 34
Views: 3357

Re: Vaccine consent form allegedly forged...

I contacted already. But they didn't call back. And there's no direct way to contact the doctor. Instead of responding to my calls, the clinic proceeded by changing my consent form (they erased my ticks and added new tick to solve the problem of me having a wrong vaccine). It's something new, and I ...
by edudumb
Tue Apr 16, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Received wrong vaccine...
Replies: 34
Views: 3357

Vaccine consent form allegedly forged...

[Thread merged into here, see below. --admin LadyGeek] I recently shared my story about receiving wrong vaccines: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=278667 The story was that I requested to have vaccines (let's say) A, B, C, and D (all CDC-recommended for my age group), and I sig...
by edudumb
Mon Apr 15, 2019 11:25 am
Forum: Personal Investments
Topic: H&R Block Bug?! Inputted different from PDF filed
Replies: 10
Views: 899

Re: H&R Block Bug?! Inputted different from PDF filed

CAsage wrote: Mon Apr 15, 2019 6:21 am What were the total expenses that were carried onward? Were they right? I'm not sure what format exactly HR Block sends....
Thanks. The total expenses were right on the web, but they were wrong on the PDF.. Still :confused
by edudumb
Mon Apr 15, 2019 11:24 am
Forum: Personal Investments
Topic: H&R Block Bug?! Inputted different from PDF filed
Replies: 10
Views: 899

Re: H&R Block Bug?! Inputted different from PDF filed

This is our 1st year of Schedule E, so i’m no expert. But i’m pretty sure you are not allowed to have a loss on a vacation home rental. Thus, if your losses > your income, some losses will not be carried onto the Schedule E. They WILL appear on the Rentals and Royalties worksheet. I believe you can...
by edudumb
Mon Apr 15, 2019 2:26 am
Forum: Personal Investments
Topic: H&R Block Bug?! Inputted different from PDF filed
Replies: 10
Views: 899

H&R Block Bug?! Inputted different from PDF filed

Just filed via hrblock.com yesterday, and IRS accepted shortly after. Now, we're looking at the PDF already filed (should've checked it before submitting), we notice that the PDF filed is different from what we've inputted. On hrblock.com, Schedule E, this is what we've inputted for expenses (still ...
by edudumb
Sun Apr 14, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Best 48-52" TV for ~$500? Costco?
Replies: 14
Views: 1057

Re: Best 48-52" TV for ~$500? Costco?

the Costco TCL's are silly cheap. anything else i should look into? thanks! https://www.walmart.com/ip/Hisense-65-Class-4K-Ultra-HD-2160P-HDR-Roku-Smart-LED-TV-65R6E/906338310?wmlspartner=wlpa&selectedSellerId=0&adid=22222222227242736486&wl0=&wl1=g&wl2=c&wl3=289723219843&wl4=pla-493049982381&wl5=90...
by edudumb
Fri Apr 12, 2019 10:17 pm
Forum: Personal Consumer Issues
Topic: Received wrong vaccine...
Replies: 34
Views: 3357

Re: Received wrong vaccine...

I just checked the summary paper of my last visit, and the doctor wrote he'd order Vaccine A, F and G (only A is CDC-recommended for my age group). Then I now got Vaccine A and E. It looks like it was just random... I'll try calling the clinic again, but it's hard to speak with the doctor without an...
by edudumb
Fri Apr 12, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Received wrong vaccine...
Replies: 34
Views: 3357

Received wrong vaccine...

I've previously posted about my confusing, angry journey to get CDC-recommended vaccines: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=275058 The story was that I wanted to get vaccines recommended by CDC for my age group (100% covered by my BCBS HDHP plan). I found an in-network provider, b...
by edudumb
Wed Apr 10, 2019 12:42 pm
Forum: Personal Investments
Topic: Best time to contribute money to Roth IRA?
Replies: 17
Views: 1622

Re: Best time to contribute money to Roth IRA?

I have a related question. I have my 2017 and 2018 Roth IRA with Vanguard, and now I'm curious how Fidelity compares with Vanguard. (My 401k is with TIAA and 457 with Nationwide.) Does it hurt to do my 2019 Roth IRA with Fidelity in a new account? Hurt what? You're mixing apples and bananas. First,...
by edudumb
Wed Apr 10, 2019 12:06 pm
Forum: Personal Investments
Topic: Best time to contribute money to Roth IRA?
Replies: 17
Views: 1622

Re: Best time to contribute money to Roth IRA?

I have a related question.

I have my 2017 and 2018 Roth IRA with Vanguard, and now I'm curious how Fidelity compares with Vanguard. (My 401k is with TIAA and 457 with Nationwide.)

Does it hurt to do my 2019 Roth IRA with Fidelity in a new account?
by edudumb
Sun Apr 07, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Daughter going to college in Glasgow
Replies: 14
Views: 1424

Re: Daughter going to college in Glasgow

HSBC is big in UK. Back when I lived in London, I used HSBC international acct. You can check it with HSBC in US.
by edudumb
Sun Apr 07, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8973

Re: Huge AIrBNB Cancellation Charge

My problem with these sites is the ability for the host to cancel for any reason with very short notice. In this case are there state contract laws that could help you? For example, I know in CT you have the right to cancel certain contracts within three days. Might be worth looking into. AirBnB ca...
by edudumb
Sun Apr 07, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8973

Re: Huge AIrBNB Cancellation Charge

Let's think about that. Let's say the host realized he had posted the wrong dates, and the room wasn't in fact available, and he realized this a couple hours later. I'd hope the renter would say, hey, no problem. I haven't made any plans yet. Stuff happens. Thanks for letting me know right away as ...
by edudumb
Sun Apr 07, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8973

Re: Huge AIrBNB Cancellation Charge

Sure, he will learn a life lesson. But he would learn it even if owner refunded him all but $100-$200. Instead he will learn that some people are real jerks, and that gig companies like rideshare and the VRBO crowd like to have all the advantages of a single brand when it suits them best (VC fundin...
by edudumb
Sat Apr 06, 2019 9:00 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8973

Re: Huge AIrBNB Cancellation Charge

Note the reservation is more than 60 days in advance. The Host will surely be able to re-rent. My son cancelled in 2 hours. AirBNB now says, sorry, "them the rules". Anyone with any thoughts? Thanks! What's interesting, is if this was a rental done via Craigslist for example, the owner/landlord wou...
by edudumb
Sat Apr 06, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8973

Re: Huge AIrBNB Cancellation Charge

Dispute the charge. If there is this much confusion about it then that’s on Airbnb to refund after two hours. This wasn’t weeks later. If dispute fails, then write out a letter to the HOA of the place and send it to the Airbnb host - “I’d like to work something out with you but I also feel a duty t...
by edudumb
Sat Apr 06, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8973

Re: Huge AIrBNB Cancellation Charge

This may be strictly the OP's son's fault, but the complete contempt with which the organization and the host treat their customers is Exhibit A as to why I've largely stopped using VRBO or Airbnb Hmm seems strange. Airbnb is a marketplace with hosts and guests. They have created clear policies and...
by edudumb
Sat Apr 06, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8973

Re: Huge AIrBNB Cancellation Charge

This may be strictly the OP's son's fault, but the complete contempt with which the organization and the host treat their customers is Exhibit A as to why I've largely stopped using VRBO or Airbnb Hmm seems strange. Airbnb is a marketplace with hosts and guests. They have created clear policies and...
by edudumb
Sat Apr 06, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8973

Re: Huge AIrBNB Cancellation Charge

OP said that "this Host did NOT show that." So I was saying that hosts don't have a choice. The cancellation policy (flexible, strict etc) which is at the discretion of the host is shown on the listing page, but the details (terms and such) are on the general Airbnb page (I think it's a click away)...
by edudumb
Sat Apr 06, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8973

Re: Huge AIrBNB Cancellation Charge

Sounds like a good reason to read the rules first. A fair number of Airbnb reservation requests come from people that seem to fail to undergo any legit effort. Kind of a point and click generation? For example, one of our listings clearly says in the title the words "shared bath" Someone tried to m...
by edudumb
Sat Apr 06, 2019 5:15 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8973

Re: Huge AIrBNB Cancellation Charge

OP here. Thanks to all replies. Some good information. Just to clarify, although some listings do indeed show the Long Term Cancellation policy on the listing, this Host did NOT show that. In fact. under the policies section of the listing was only the "strict" 48 hour cancellation terms. We have a...
by edudumb
Sat Apr 06, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8973

Re: Huge AIrBNB Cancellation Charge

OP here. Thanks to all replies. Some good information. Just to clarify, although some listings do indeed show the Long Term Cancellation policy on the listing, this Host did NOT show that. In fact. under the policies section of the listing was only the "strict" 48 hour cancellation terms. We have a...
by edudumb
Sat Apr 06, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8973

Re: Huge AIrBNB Cancellation Charge

OP here. Thanks to all replies. Some good information. Just to clarify, although some listings do indeed show the Long Term Cancellation policy on the listing, this Host did NOT show that. In fact. under the policies section of the listing was only the "strict" 48 hour cancellation terms. We have a...
by edudumb
Fri Apr 05, 2019 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: How reliable is H&R Block...?
Replies: 24
Views: 2004

Re: How reliable is H&R Block...?

My folks’ experience with H&R Block has been mixed at best. They experienced occasional small issues, but mostly no issues for years. However, in recent years errors were found by me, the IRS and/or the state (easy to avoid, simple errors). Stopped using them. Thanks... When you found the errors, d...
by edudumb
Fri Apr 05, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: How reliable is H&R Block...?
Replies: 24
Views: 2004

Re: How reliable is H&R Block...?

My folks’ experience with H&R Block has been mixed at best. They experienced occasional small issues, but mostly no issues for years. However, in recent years errors were found by me, the IRS and/or the state (easy to avoid, simple errors). Stopped using them. Thanks... When you found the errors, d...
by edudumb
Thu Apr 04, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: How reliable is H&R Block...?
Replies: 24
Views: 2004

How reliable is H&R Block...?

My partner filed tax at H&R Block for the past few years (he was afraid of being audited). The fees were up significantly, and he paid about $800 last year. He just has one w-2 and a few rentals (schedule e); no other investments and nothing too complicated. Now I'm reviewing his previous tax return...
by edudumb
Mon Apr 01, 2019 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Any *disadvantages* to citizenship?
Replies: 74
Views: 4380

Re: Any *disadvantages* to citizenship?

I actually wanted to ask what the advantages are to citizenship...
by edudumb
Mon Apr 01, 2019 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Any *disadvantages* to citizenship?
Replies: 74
Views: 4380

Re: Any *disadvantages* to citizenship?

OP's wife is a green card holder and therefore a US tax resident already. I'm sure they are familiar with being taxed on their worldwide income because they are already filing a return and paying taxes. A green card holder does not pay tax on foreign income. A citizen does. I think any person who p...
by edudumb
Mon Mar 25, 2019 10:40 pm
Forum: Investing - Theory, News & General
Topic: Zero federal tax. Will this cause an audit?
Replies: 43
Views: 4797

Re: Zero federal tax. Will this cause an audit?

At the end of the tax review section Turbo Tax gives you an audit risk evaluation (mine is always low). They also try to sell you an audit defense package which you should not waste $44.99 on. You can use the "Forms" view in Turbo Tax to look at the actual IRS forms that will be filed and the works...
by edudumb
Fri Mar 22, 2019 11:43 pm
Forum: Personal Consumer Issues
Topic: Suggestions for an internet service provider that is NOT Comcast?
Replies: 15
Views: 1381

Re: Suggestions for an internet service provider that is NOT Comcast?

We've had 4-5 accounts with Comcast, and in each, Comcast tried different tactics to overcharge us. We were always able to get our money back. After you closed your acct, you should still be able to log on and chat with billing reps online. Try different ones until you have one willing/ able to help...
by edudumb
Wed Mar 20, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Uber fraud - what to do?
Replies: 28
Views: 3858

Re: Uber fraud - what to do?

AlohaJoe wrote: Tue Mar 19, 2019 7:16 pm
MP123 wrote: Mon Mar 18, 2019 9:34 pm but I would think it would end a ride after the two cell phone's locations separate at the destination
That's not how it works. The driver has to click a button saying "the trip is over".
I thought when we request a ride, the amount we're quoted would be exactly how much we are charged?!
by edudumb
Fri Mar 15, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Preferred: Cancel/Downgrade Question
Replies: 13
Views: 1966

Re: Chase Sapphire Preferred: Cancel/Downgrade Question

I just did it last week as well.

You could change to a different card or simply a no-fee version of Sapphire. The card number is the same, but they'll mail you a new plastic card.

Fee posted within 60 days get refunded. Mine got refunded almost instantly.

Points can be combined/ transferred.
by edudumb
Tue Mar 12, 2019 3:07 pm
Forum: Investing - Theory, News & General
Topic: What theory has changed, since you last took Economics/Finance courses in college?
Replies: 69
Views: 6369

Re: What theory has changed, since you last took Economics/Finance courses in college?

In high school and undergrad economics I learned that the marketplace consists of informed consumers making rational choices. +1 Now there is a lot more understanding that people often do not make rational choices. Some economists now refer to the people we learned about in micro 40 years ago as "e...
by edudumb
Tue Mar 12, 2019 3:04 pm
Forum: Investing - Theory, News & General
Topic: What theory has changed, since you last took Economics/Finance courses in college?
Replies: 69
Views: 6369

Re: What theory has changed, since you last took Economics/Finance courses in college?

As a business professor currently teaching business theories, simply investing in index funds but still managed to have low returns in 2018.

Theory =/= practice