Search found 351 matches

by nepats
Wed Oct 07, 2020 7:20 am
Forum: Personal Consumer Issues
Topic: Tesla maintenance cost?
Replies: 167
Views: 10207

Re: Tesla maintenance cost?

My out of warranty costs are increasing now as the Model S is approaching her 7th birthday and 100k miles! So far here are items that have been replaced out of warranty ($) 3 door handles ( and 3 in warranty) 1 12 volt battery (and 1 in warranty) Trunk Motor/latch Rear axles/hubs Rear motor ( in war...
by nepats
Thu Aug 27, 2020 5:35 pm
Forum: Personal Investments
Topic: How much did you save?
Replies: 102
Views: 14012

Re: How much did you save?

We haven’t won the game yet. We started our 401k contributions early in our careers and saved between 20 to 70k annually as the limits and matches improved. In addition, I think we have saved equally in our taxable accounts over the years.
by nepats
Wed Aug 26, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: Looking for audiophile Wireless Powered speakers suggestion
Replies: 7
Views: 668

Re: Looking for audiophile Wireless Powered speakers suggestion

I had Audioengine desktop speakers and they were pretty good. I hear the new A5+ powered wireless speakers are good. Amazon HD is great!
by nepats
Tue Jul 28, 2020 6:43 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3: Leasing the way to go?
Replies: 30
Views: 3286

Re: Tesla Model 3: Leasing the way to go?

manatee2005 wrote: Tue Jul 28, 2020 2:54 am Long rage model Tesla 3 lease cost over 3 years is $21k. I bought a brand new Mazda cx-5 for 27k. And after 3 years I’ll still have a car worth probably 20k. Seems like a better deal than leasing Tesla 3.
Comparing apples to oranges.
by nepats
Mon Jul 27, 2020 8:15 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3: Leasing the way to go?
Replies: 30
Views: 3286

Re: Tesla Model 3: Leasing the way to go?

I would lease it if you don’t want to bother selling it after the lease period. The Tech is moving fast, and Tesla service is going down hill unfortunately. Also, Tesla’s do not hold their value any better than other cars based on my experience as a long time Model S owner. Just know that their leas...
by nepats
Mon Jul 27, 2020 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1484
Views: 137306

Re: My LenderFi refinance is going well

I closed today. I had to email them today for the closing info and to confirm since I didn’t have any info until few hours before the closing. However, they were very quick to respond to emails in the morning.
by nepats
Fri Jul 24, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1484
Views: 137306

Re: My LenderFi refinance is going well

I am about to close my refi this week! When it's done, it will be 2 weeks from the day of the application! Crazy times :shock: I don’t think I will be closing this week. I am not sure what the delay is but I am still waiting on a closing date. They're swamped. I am scheduled to close on Monday, jus...
by nepats
Fri Jul 24, 2020 3:07 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1860
Views: 237294

Re: Post your Financial Milestone Announcements Here

Somewhat pointless milestone but fun to see: 401k balance went over $1M for the first time. (all previous 401ks and IRAs were rolled into this 401k to enable backdoor roth, so this is my only traditional IRA/401k account) I think this is a big one since there aren’t many that hit this number becaus...
by nepats
Thu Jul 23, 2020 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1484
Views: 137306

Re: My LenderFi refinance is going well

nepats wrote: Tue Jul 21, 2020 10:04 am I am about to close my refi this week! When it's done, it will be 2 weeks from the day of the application! Crazy times :shock:
I don’t think I will be closing this week. I am not sure what the delay is but I am still waiting on a closing date.
by nepats
Wed Jul 22, 2020 5:07 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1860
Views: 237294

Re: Post your Financial Milestone Announcements Here

This gambler paid off the mortgage yesterday. I expected a brief moment of elation but it was anticlimactic. I've felt more excitement walking away from a poker table with a couple grand more than I came with. Maybe one of y'all can feel the excitement for me. :beer Congrats! As an amateur poker pl...
by nepats
Wed Jul 22, 2020 4:09 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1860
Views: 237294

Re: Post your Financial Milestone Announcements Here

I hit the 2 comma club in my 401K today :sharebeer Hope the current rally continues... 8-) Lol but I hit the two c club today again! Let’s hope not again anytime soon Great. :sharebeer Curious to know how much you allocate for taxable investments (stock) and how much they are. Currently, We save be...
by nepats
Tue Jul 21, 2020 10:45 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1484
Views: 137306

Re: My LenderFi refinance is going well

I am about to close my refi this week! When it's done, it will be 2 weeks from the day of the application! Crazy times :shock: Now that’s a quick turnaround! My fastest so far has been 18 days (different lender), but 2 weeks would likely make my head spin! Would that make you refi every month! Haha...
by nepats
Tue Jul 21, 2020 10:04 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1484
Views: 137306

Re: My LenderFi refinance is going well

I am about to close my refi this week! When it's done, it will be 2 weeks from the day of the application! Crazy times :shock:
by nepats
Sun Jul 19, 2020 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Part time IT consulting after 50 or after retirement
Replies: 10
Views: 967

Re: Part time IT consulting after 50 or after retirement

I'm doing it now. Retired late 50s, took two years off, then took a couple of online classes around cloud computing architecture, immediately found consulting work. I work two days per week from home, rates are north of 2k/day. Just finished a 3-month project, will take a month off but already have...
by nepats
Sun Jul 19, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Part time IT consulting after 50 or after retirement
Replies: 10
Views: 967

Re: Part time IT consulting after 50 or after retirement

A big question is if you are typically doing work at clients now for short periods of time or if you are working at the same company to two years before you move on. If the type of work you are doing typically requires something like a six month commitment that might be too much for you to enjoy do...
by nepats
Sun Jul 19, 2020 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Part time IT consulting after 50 or after retirement
Replies: 10
Views: 967

Re: Part time IT consulting after 50 or after retirement

A few companies I have worked for have kept a few "retired" consultants around. They were kept on some limited on-going basis because they formerly worked full time for a firm which did consulting for a major project. They were kept because they knew how the system worked and management w...
by nepats
Sat Jul 18, 2020 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Part time IT consulting after 50 or after retirement
Replies: 10
Views: 967

Part time IT consulting after 50 or after retirement

Hello, I am thinking about retiring from my full time consulting job in about 10 years. We are in our low 40s and we should have a net worth of mid 7 figures in 10 years. I like the idea of working for few months of the year if I can To keep my mid sharp, help with expenses etc. can anyone relate an...
by nepats
Sat Jul 18, 2020 11:24 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1860
Views: 237294

Re: Post your Financial Milestone Announcements Here

nepats wrote: Tue Feb 11, 2020 8:49 am I hit the 2 comma club in my 401K today :sharebeer Hope the current rally continues... 8-)
Lol but I hit the two c club today again! Let’s hope not again anytime soon
by nepats
Sat Jul 18, 2020 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1484
Views: 137306

Re: My LenderFi refinance is going well

Update on my timeline: July 6: Applied and uploaded all documents July 7: Locked over the phone and signed initial disclosure July 12: Signed updated disclosure showing lock July 12: LenderFi requested bank statements which I provided right away July 17: I emailed for status and they said they just...
by nepats
Fri Jul 17, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1484
Views: 137306

Re: My LenderFi refinance is going well

Update on my timeline: July 6: Applied and uploaded all documents July 7: Locked over the phone and signed initial disclosure July 12: Signed updated disclosure showing lock July 12: LenderFi requested bank statements which I provided right away July 17: I emailed for status and they said they just...
by nepats
Fri Jul 17, 2020 8:51 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1484
Views: 137306

Re: My LenderFi refinance is going well

What is the typical communication/timeline start to finish with LenderFi? I am in the process with them so curious to what I should expect.
by nepats
Wed Jul 15, 2020 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8108
Views: 566054

Re: Refinance Mega Thread

I received an offer of 2.875 with no closing costs for a High balance conforming loan from LenderFi. We have an high LTV and credit scores. I applied today and received the loan disclosures from them tonight! Pretty quick, I must say. I am tempted to go with them. What do you think? I know some fol...
by nepats
Tue Jul 14, 2020 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8108
Views: 566054

Re: Refinance Mega Thread

I received an offer of 2.875 with no closing costs for a High balance conforming loan from LenderFi. We have an high LTV and credit scores. I applied today and received the loan disclosures from them tonight! Pretty quick, I must say. I am tempted to go with them. What do you think? I know some fol...
by nepats
Tue Jul 14, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8108
Views: 566054

Re: Refinance Mega Thread

I received an offer of 2.875 with no closing costs for a High balance conforming loan from LenderFi. We have an high LTV and credit scores. I applied today and received the loan disclosures from them tonight! Pretty quick, I must say. I am tempted to go with them. What do you think? I know some fol...
by nepats
Tue Jul 14, 2020 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8108
Views: 566054

Re: Refinance Mega Thread

I received an offer of 2.875 with no closing costs for a High balance conforming loan from LenderFi. We have an high LTV and credit scores. I applied today and received the loan disclosures from them tonight! Pretty quick, I must say. I am tempted to go with them. What do you think? I know some fol...
by nepats
Mon Jul 13, 2020 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8108
Views: 566054

Re: Refinance Mega Thread

I received an offer of 2.875 with no closing costs for a High balance conforming loan from LenderFi. We have an high LTV and credit scores. I applied today and received the loan disclosures from them tonight! Pretty quick, I must say. I am tempted to go with them. What do you think? I know some folk...
by nepats
Sun Jul 12, 2020 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8108
Views: 566054

Re: Refinance Mega Thread

Lenderfi got back to me. $1k total closing costs on 2.625%, $510k balance. It's not the no cost offer I was hoping for but still by far the best deal out there and I have shopped around at like 5 different banks. I think I am going to take it. Was this offer after you had already applied? Is this f...
by nepats
Sun Jul 12, 2020 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Warning: Solo K and 5500 EZ
Replies: 64
Views: 4634

Re: Warning: Solo K and 5500 EZ

I think all my online 5500 SF fillings only say the return has been received. Do you actually get “acceptance” status?
by nepats
Sun Jul 12, 2020 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8108
Views: 566054

Re: Refinance Mega Thread

Lenderfi got back to me. $1k total closing costs on 2.625%, $510k balance. It's not the no cost offer I was hoping for but still by far the best deal out there and I have shopped around at like 5 different banks. I think I am going to take it. Was this offer after you had already applied? Is this f...
by nepats
Fri Jul 10, 2020 7:22 am
Forum: Personal Consumer Issues
Topic: 1-stage vs 5-stage HVAC compressor?
Replies: 30
Views: 2292

Re: 1-stage vs 5-stage HVAC compressor?

Mind sharing the cost for each system? We may be looking at replacing ours soon. Carrier Infinity 58TN090 + CNPVP4217ALA + 24VNA948 = ~$11,000 Carrier Infinity 58TN090 + CNPVP4217ALA + 24ACC642 = ~$9000 Keep in mind I am adding a return duct and adding dampers to supply trunks (4) so adjust for tha...
by nepats
Thu Jul 09, 2020 8:57 pm
Forum: Personal Consumer Issues
Topic: 1-stage vs 5-stage HVAC compressor?
Replies: 30
Views: 2292

Re: 1-stage vs 5-stage HVAC compressor?

Calling all HVAC experts.... please HELP. Location is nothern va (20 miles west of DC). 16 year old system is the attic stopped working so am in the process of getting a new one. Based on various quotes received, leaning towards Carrier. Quick Question : From purely ROI perspective, is it worth to ...
by nepats
Wed Jul 08, 2020 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Relationship mortgage discounts for moving a million assets
Replies: 636
Views: 93064

Re: Relationship mortgage discounts for moving a million assets

Just learnt from contact at WF, that "only" Jumbo rates qualify for relationship discount and not conforming or high balance conforming loans.
by nepats
Tue Jun 30, 2020 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8108
Views: 566054

Re: Refinance Mega Thread

I keep seeing these great rates in this thread, so it is making me wonder if I should refi again. I am currently in year 2 of 10/1 ARM @ 3.0. Is it worth pursuing say 30 year @ 2.75 now or roll the dice that the rates will go lower soon?
by nepats
Thu Jun 25, 2020 8:12 am
Forum: Personal Consumer Issues
Topic: Opinion on my current HVAC quotes
Replies: 21
Views: 1658

Re: Opinion on my current HVAC quotes

We replaced both units with Rheem and they were fine. I think one of the other big companies owns Rheem. One of them needed some repairs around 5-6th year mark. I don’t remember exactly what it was. The prices were similar to yours about 6 years ago.
by nepats
Fri Jun 19, 2020 12:38 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1860
Views: 237294

Re: Post your Financial Milestone Announcements Here

We "superfunded" kids college accounts, so now we are done with their college savings if the market does what it has done in the past :sharebeer
by nepats
Fri Jun 12, 2020 2:46 pm
Forum: Personal Consumer Issues
Topic: What Size Home For A Family?
Replies: 87
Views: 5623

Re: What Size Home For A Family?

ddurrett896 wrote: Fri Jun 12, 2020 11:53 am I'm a fan of less in more....except for garage space!
So true! I can't go back to a smaller garage ever I think :wink:
by nepats
Fri Jun 12, 2020 2:18 pm
Forum: Personal Consumer Issues
Topic: What Size Home For A Family?
Replies: 87
Views: 5623

Re: What Size Home For A Family?

I wish we had a smaller house, but in our area, more land = larger house unless you are custom building. When we were looking for a new house, we could not find a smaller house that was modern on a larger lot :x I guess one of my life goals is to custom build a smaller, energy efficient house with a...
by nepats
Wed Jun 03, 2020 9:13 am
Forum: Personal Consumer Issues
Topic: Anyone Install MOCA for fios speed?
Replies: 27
Views: 1344

Re: Anyone Install MOCA for fios speed?

I had used these https://www.amazon.com/Actiontec-Bonded-Ethernet-Adapter-ECB6200K02/dp/B013J7O3X0 along with my 6-7 year old FIOS I Rev router to run multiple APs in the house. Basically, Moca network created an Ethernet backbone for the wireless APs. It was reliable and fast! Make sure to secure y...
by nepats
Wed May 20, 2020 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8108
Views: 566054

Re: Refinance Mega Thread

nova148 wrote: Wed May 20, 2020 9:48 am
nepats wrote: Wed May 20, 2020 8:34 am What was the 30 year fixed or 10/1 ARM rate?
15 year fixed
I was wondering if you had asked for those rates as well while you were shopping.
by nepats
Wed May 20, 2020 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8108
Views: 566054

Re: Refinance Mega Thread

Got an offer for 15yr refi at 2.625% with no cost (lender credits to cover all costs except prepaids and escrow). Loan Amount 600K (70% LTV) in Virginia Requesting your feedback on a couple of observations that I found a bit off - 1) I went through a mortgage broker and to my surprise, the lender i...
by nepats
Fri Mar 06, 2020 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Relationship mortgage discounts for moving a million assets
Replies: 636
Views: 93064

Re: Relationship mortgage discounts for moving a million assets

Anyone reach out for refinance quotes with the recent rate drops? Also, does WF count new money and/or existing money for relationship discount?
by nepats
Tue Mar 03, 2020 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: The unicorn mortgage: 30 year fixed under 3%
Replies: 90
Views: 15493

Re: The unicorn mortgage: 30 year fixed under 3%

Congrats! Is Loandepot a lender?
by nepats
Wed Feb 12, 2020 8:17 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1860
Views: 237294

Re: Post your Financial Milestone Announcements Here

Mortgage payoff!!! My balance is $0.00. :beer I had originally setup my bank account to do an ACH transfer for the balance due. When I tried to execute the ACH transaction, I was very surprised to learn that banks put a limit on the ACH dollar amount (like $5,000 or so). It would take a number of d...
by nepats
Tue Feb 11, 2020 8:49 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1860
Views: 237294

Re: Post your Financial Milestone Announcements Here

I hit the 2 comma club in my 401K today :sharebeer Hope the current rally continues... 8-)
by nepats
Thu Jan 23, 2020 1:17 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 28601

Re: Sad news: LadyGeek's husband has passed

Sorry for your loss and thank you for your invaluable contributions to this forum.
by nepats
Wed Sep 04, 2019 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Relationship mortgage discounts for moving a million assets
Replies: 636
Views: 93064

Re: Relationship mortgage discounts for moving a million assets

Anyone know how long you have to keep money at WF after closing?
by nepats
Tue Sep 03, 2019 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Relationship mortgage discounts for moving a million assets
Replies: 636
Views: 93064

Re: Relationship mortgage discounts for moving a million assets

This topic is a gold mine. I just closed my 30-year fixed jumbo refinance with Citi at 2.875% for 1 point (easy call, since we’ll stay for at least 8 years). The same rate sheet offered 3% flat for .25 points, or 3.125% with a 0.375% credit towards closing costs. This was with a 0.5% discount for 1...
by nepats
Sun Jul 07, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Relationship mortgage discounts for moving a million assets
Replies: 636
Views: 93064

Re: Relationship mortgage discounts for moving a million assets

I got the final approval for 3% 10-1 ARM jumbo with the relationship discount @ WF. The loan has typical loan cost but the break evem for me is < 1 year. It was a relatively easy process to move assets there. It took exactly 1 week to see the $$ transferred to WF after they received the paperwork. T...
by nepats
Tue Jun 18, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 370
Views: 47496

Re: Don't pay full price for SiriusXM radio

You can also get the promo price online. I let the subscription expire first. Usually, the 5 for 6 months shows up as an option in the plans.
by nepats
Thu Jun 06, 2019 7:02 am
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 4640

Re: Does a big family need 2 big cars? Question for 3 kid+ families

Standard Range Tesla Model 3 if it's in your budget. Your total miles will probably pay for half of the lease of the car in gas savings