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ma21n2

I’ve had two different employee stock plans with E*Trade. The commission was $12.95 for one and $9.99 for the other.

ma21n2

That's a good question. Are we to assume the expected returns (dividends + capital appreciation), are supposed to be the same (before paying taxes or having tax credits) *1*? I wouldn't think that would be true in an efficient market where all the buyers in all the countries had the same tax situat...

ma21n2

My Tax Efficiency numbers for 2019 look like this: Total Stock (VTI) 0.71% Total Int'l Stock (VXUS) 1.17% (US tax 1.44%, foreign tax 0.27%) Emerging Markets (VWO) 1.33% (US tax 1.8%, foreign tax 0.47%) Based on this, I've been filling my taxable space with VTI and tax-advantaged w/international. But...

ma21n2

We have 2 cars, 2 adult drivers in CA and pay $247/year for $1M umbrella with USAA. I looked up USAA's rate filing w/CA Dept. of Insurance (you can look those up for CA as well as many other states here ), and it looks like USAA's factors for CA are (1) your county, (2) # of cars and drivers, (3) # ...

ma21n2

My partner and I both get paid on the 15th and the last business day of the month. This 2018 paper talks about “payday anomaly” where the market performs better on the 1st, 2nd, and 16th of the month compared to other days (“Our results indicate that the 16th day of the month statistically and econo...

ma21n2

I'm going to buy some PSLDX in my Roth IRA. It's only going to be about 3% of my total portfolio, which is 85% in stocks. I'm not sure if I should count PSLDX towards my stock allocation, or just keep it completely separate and treat it as play money. What do most people do if PSLDX is just a small ...

ma21n2

Has anyone started refi application process without first locking the rate? (i.e., floating the rate) I have a 2nd mortgage that needs to be subordinated, so my broker thinks I need a 45-day lock, instead of 30-day. A 45-day lock reduces lender credit by more than $1,000, so I figured I'd just wait...

ma21n2

Has anyone started refi application process without first locking the rate? (i.e., floating the rate) I have a 2nd mortgage that needs to be subordinated, so my broker thinks I need a 45-day lock, instead of 30-day. A 45-day lock reduces lender credit by more than $1,000, so I figured I'd just wait ...

ma21n2

I'm thinking of moving my Roth IRA to M1 (it's about 5% of my portfolio), and following MotoTrojan's 43/57 UPRO/EDV. I'll rebalance every quarter, but not add more money into it. I'm thinking of this combo as opposed to 55/45 UPRO/TMF, because I want to minimize fees on the bond fund (given today's ...

ma21n2

My partner and I are both around age 40, and we started saving somewhat late. I recently learned about Lifecycle Investing, and read the book over the weekend. The concept of time diversification was very convincing to me. We're currently 85% stock, and I was considering going up to 120% stock or s...

ma21n2

My partner and I are both around age 40, and we started saving somewhat late. I recently learned about Lifecycle Investing, and read the book over the weekend. The concept of time diversification was very convincing to me. We're currently 85% stock, and I was considering going up to 120% stock or so...

ma21n2

My partner and I recently refinanced through First Republic. We got a 5/1 ARM. The mortgage doesn't show up on our credit reports. Our banker at First Republic told us that they generally do NOT report mortgages to credit bureaus. However, we can choose to have them report it, which requires us sig...

ma21n2

Please be aware the maintenance margin % can be changed in extreme times. Its 25% I believe currently, but IB can increase the requirements to say 30% 35% IBKR just informed me saying "IBKR will increase margin requirements by as much as 35% above normal margin requirements leading up to the N...

ma21n2

My partner and I are both around 40 years of age and have been together for about five years. We own a house in California together as joint tenants. Our individual net worths are about the same. No debt other than the mortgage together. No kids and don’t want kids. We were going to get married, but...

ma21n2

Disbursement was last Friday. It's now Monday and my old lender still hasn't received the funds. Amrock (escrow company) tells me they "disbursed" via check on Friday, but they missed the UPS pickup deadline, so the check won't actually go out till today (Monday). I don't know why Amrock d...

ma21n2

For those of you who closed on a Monday and thus disbursement is on a Friday, when did the old lender stop charging interest (i.e., marked your account as paid off)? I closed this past Monday, so today (Friday) is the disbursement day. The new lender funded the escrow this morning. Do escrow compan...

ma21n2

For those of you who closed on a Monday and thus disbursement is on a Friday, when did the old lender stop charging interest (i.e., marked your account as paid off)? I closed this past Monday, so today (Friday) is the disbursement day. The new lender funded the escrow this morning. Do escrow compani...

ma21n2

I got a Loan offer with LenderFi for 30 Yr Fixed at 2.75 with no fees. Loan amount 642K; Is this a good offer or should I continue to shop to find better offer than this? My Credit is >770 Thanks in advance for your help. Wow, that sounds like a great offer. I'm refinancing about the same amount in...

ma21n2

I got "getSharePrices.html" and "G=1" by looking at www.tsp.gov/assets/js/ajaxFetch.js, which is referenced when you do "View Page Source" on www.tsp.gov/fund-performance/share-price-history. ajaxFetch.js also tells you "https://secure.tsp.gov/components/CORS/"

ma21n2

Looks like TSP did a major update on the price history page, so now the script on Google Sheets to pull share price doesn't work for me. When I look at the page source, there's no table anymore. Anyone know how to pull the current share prices for the various funds? Thanks! https://www.tsp.gov/fund...

ma21n2

Looks like TSP did a major update on the price history page, so now the script on Google Sheets to pull share price doesn't work for me. When I look at the page source, there's no table anymore. Anyone know how to pull the current share prices for the various funds? Thanks! https://www.tsp.gov/fund-...

ma21n2

I'm doing a refinance with Quicken Loans (via a local broker). The loan estimate I got when I locked the rate listed appraisal as $555 in Section B (Services You Cannot Shop For). I got my appraisal done, and then Quicken charged my credit card $625 for appraisal. They also issued me a Quicken Loans...

ma21n2

Has anyone initiated from Merrill Edge website an ACH transfer from an external checking account (i.e., not B of A) directly into Merrill Edge CMA account? I’m wondering if Merrill Edge makes the funds available for trade immediately or not. For example, on my payday, I can go to vanguard.com and pl...

ma21n2

I already did appraisal with Better.com and have the report, but I may have to find a new lender now because Better.com has some issue with my 2nd mortgage that I’m keeping. They were supposed to let me know whether they can proceed by yesterday, but they didn’t. Better.com was really good when the...

ma21n2

I already did appraisal with Better.com and have the report, but I may have to find a new lender now because Better.com has some issue with my 2nd mortgage that I’m keeping. They were supposed to let me know whether they can proceed by yesterday, but they didn’t. Better.com was really good when they...

ma21n2

Just so I understand correctly. for example: 2.99% for 30 years. True no cost. No escrow. If I bring this to Better.com and they beat the offer by +$1000 plus Amex ($2500) Since it's a No cost Refi. Does that mean better will send me a check of $1000? then I get $2500 in statement credit to my AMEX...

ma21n2

Geez, we closed on 5/23, funded 5/29 through better....... but with the way rates are diving, may be looking to turn around and refinance again lol. In a similar boat here. We haven't received anything in the mail yet with regards to our new loan and how to view it online. I'm waiting for that to c...

ma21n2

I've already locked with better.com and I talked to my better.com "processing expert" yesterday. He said that I can still present competing offers that they will try to match or beat. Also, if the weekly Freddie Mac rate drops .25%, you can float down .125% at no cost. Your weekly Freddie...

ma21n2

I'm currently in underwriting with Better.com. They beat another Loan Estimate by $500, so I locked last Friday (June 5). 10-year treasury rate has declined from 0.905% to about 0.67% today, and I see better offers than the rate I locked on LenderFi.com and other places. Does anyone have experience ...

ma21n2

I was curious if anyone's lender has offered a list service providers for the items you find in section C of the Loan Estimate. According to the Consumer Financial Protection Bureau lenders are required to do this for a new home but I am not sure if it's required on a refinance. https://www.consume...

ma21n2

My loan estimate shows "Initial Escrow" payment. Asked lender to take out and my lender credit went down significantly. So I'm keeping it in. That said, she told me that initial escrow is all they are asking for and i don't need to keep it after that payment. Anyone have experience cancel...

ma21n2

I just locked with Better.com yesterday using AMEX $2500 promo. I read someone above saying inputting AMEX card number as one of the Tasks on Better.com, but I don't see any Task relating to AMEX at all. I did provide the last 5 digits of my AMEX EveryDay credit card to the originator over the phone...

ma21n2

When you submit an application to LenderFi.com, Owning.com, Rate.com, etc., how long do they usually take to generate a Loan Estimate? Better.com was able to instantly generate one (but rates weren't competitive), but I'm not sure if that's the norm. If they consider you to have formally applied, t...

ma21n2

When you submit an application to LenderFi.com, Owning.com, Rate.com, etc., how long do they usually take to generate a Loan Estimate? Better.com was able to instantly generate one (but rates weren't competitive), but I'm not sure if that's the norm.

ma21n2

Right now, Vanguard High-Yield Tax-Exempt Fund Admiral Shares (VWALX) has SEC yield of 3.21%. In comparison, Vanguard Long-Term Tax-Exempt Fund Admiral Shares (VWLUX) has SEC yield of 2.34%. This makes sense -- duration is about the same for both funds, but VWALX has a higher credit risk so it has a...

ma21n2

No, because the benefits are spread across states. Residents of almost all states prefer munis from their state; CA has more residents than any other state, but it also has more munis for those residents to hold. Thank you. I assumed the credit risk between VWLUX (National Long Term muni fund) and ...

ma21n2

I see your point on not having to pay for the full price of risk reduction with the CA muni fund, because of the State income tax exemption. But in an efficient market, wouldn't that benefit evaporate, because CA residents will prefer CA muni fund for that very reason, driving up the price and lowe...

ma21n2

If you are in CA, I would suggest switching to the CA fund and staying there, rather than planning to move back. The CA fund is somewhat less risky, but you don't pay the full price for the risk reduction, because you save the CA state tax on the dividends. Don't use a non-CA single-state fund; you...

ma21n2

Hello, I have like $50,000 of Vanguard High-Yield Tax-Exempt municipal bond fund (VWALX) in my taxable account, and it currently has about $1,500 in losses. I’m in California, so I thought of switching to Vanguard California Long-Term Tax-Exempt Fund (VCLAX) and then switching back to VWALX after 30...

ma21n2

wootwoot wrote: ↑Sat Apr 18, 2020 12:09 pm Is there any way to see loandepot's rates before applying?

You can check this link, but I think it's just a teaser since it doesn't tell you how many points (just says up to 3 points).

ma21n2

Are offers typically worse the less you owe on your home? Currently have a 30 year 3.875. Owe 107 on a valued 215k house. I don't know a ton about the business but I've been wondering the same thing. We owe 130k and my guess is that's small potatoes. I've found some okay 15-year deals but nothing t...

ma21n2

I have the same issue. I had multiple tax lots of VWAHX (High Yield Muni fund Investor Shares-$3K minimum), all of which are covered shares as they were purchased this year. I was using SpecID to track cost basis. I just had all of them converted to VWALX (Admiral Shares-$50K minimum). Total cost ba...

ma21n2

Hi, Are people still getting their refinance requests served for jumbo? I am looking for a jumbo loan. My current rate is 4.125% I had a broker start the process, got a quote for 3.625% and appraisal was done. But now the broker says that no bank wants to give jumbo loan. However appraisal is good ...

ma21n2

Is there a fee if I want to request a payout quote? Thanks No fee to request one, just a varying degree of hassle depending on your bank. One of my banks (Chase) lets me do it online and provides it instantly; the other (US Bank) requires me to call and then they'll process the request and send it ...

ma21n2

Hello, We refinanced a year ago into a 5/1 ARM @ 2.75% (non-VA loan). We are in California and the balance is about $650K. I think 2.75% is pretty good, but that will only last 4 more years and who knows what the rate's gonna be in 2024. Ideally, I'd like to refinance into something like 15 year fix...

ma21n2

2) In refinance loans (which your ARM would be), the lender (even in a purchase-money loan state) has recourse to all the borrower's assets for repayment of the loan, except for retirement accounts which are by definition effectively suit-proof. So your retirement assets will not help you qualify f...

ma21n2

I've been trying out a Chase You Invest taxable account. It doesn't let me place an order to sell mutual fund and buy ETF the same day. I know mutual fund sell order doesn't execute until market close, but Vanguard has always allowed me to do this in my taxable account. Really? You mean on Vanguard...

ma21n2

I've been trying out a Chase You Invest taxable account. It doesn't let me place an order to sell mutual fund and buy ETF the same day. I know mutual fund sell order doesn't execute until market close, but Vanguard has always allowed me to do this in my taxable account. Really? You mean on Vanguard...

ma21n2

I did the youinvest thing. You can check my other posts. I moved 70K to get the 1K bonus after three months. Took them months just to get the account transferred from Schwab. Now they say, since I didn't open in in 45 days, I don't get the bonus. I complained. They are "investigating". I ...

ma21n2

I've been trying out a Chase You Invest taxable account. It doesn't let me place an order to sell mutual fund and buy ETF the same day. I know mutual fund sell order doesn't execute until market close, but Vanguard has always allowed me to do this in my taxable account. Chase did allow me to sell ET...

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