Search found 3245 matches

by anon_investor
Mon Sep 21, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6885
Views: 456812

Re: Refinance Mega Thread

Recent experience...... 1. Loan Depot wouldn't touch our 30 year mortgage for at least 6 months after we closed the last refinance at 3.25/30yr in April, and didn't seem interested in keeping us as a borrower. 2. Loan Cabin showed promising rates on their website for our zip code, but don't even of...
by anon_investor
Mon Sep 21, 2020 9:59 am
Forum: Personal Finance (Not Investing)
Topic: COBRA v. Spouse's Health Insurance
Replies: 15
Views: 887

Re: COBRA v. Spouse's Health Insurance

Is your spouse losing her coverage not a triggering event allowing you to add her to your insurance prior to open enrollment? It is a qualifying event, but she just met the deductible for her plan and I have spent $0 of my $2,000 deductible. Running the numbers, it looks like it's about a wash if w...
by anon_investor
Sun Sep 20, 2020 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA v. Spouse's Health Insurance
Replies: 15
Views: 887

Re: COBRA v. Spouse's Health Insurance

Is your spouse losing her coverage not a triggering event allowing you to add her to your insurance prior to open enrollment? It is a qualifying event, but she just met the deductible for her plan and I have spent $0 of my $2,000 deductible. Running the numbers, it looks like it's about a wash if w...
by anon_investor
Sun Sep 20, 2020 7:02 pm
Forum: Personal Investments
Topic: Any (legal) “loophole” for unused 529 funds?
Replies: 14
Views: 1419

Re: Any (legal) “loophole” for unused 529 funds?

Nate79 wrote: Sun Sep 20, 2020 6:58 pm Have another kid. :)
Or tell your kids to have kids 😈
by anon_investor
Sun Sep 20, 2020 7:00 pm
Forum: Investing - Theory, News & General
Topic: International Dividends Got Crushed in Q2 2020
Replies: 27
Views: 3649

Re: International Dividends Got Crushed in Q2 2020

How did Vanguard's international dividend funds do?
by anon_investor
Sun Sep 20, 2020 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1648
Views: 235437

Re: Fidelity as a one stop shop

....... The idea of "one-stop" isn't that big an advantage in an era where everything is two clicks away from everything else. And a disadvantage if you need something critical and Fidelity is down. https://www.bogleheads.org/forum/viewtopic.php?t=304841 https://www.bogleheads.org/forum/viewtopic.p...
by anon_investor
Sun Sep 20, 2020 5:18 pm
Forum: Investing - Theory, News & General
Topic: Best 401k provider offering mega backdoor Roth
Replies: 9
Views: 598

Re: Best 401k provider offering mega backdoor Roth

Too much trouble in what way? Also, what are additional costs for employers? Nothing is free. To change a 401k plan, the employer has to pay someone to do it, sometimes its both the plan administrator and some type of financial advisor. You have to remember many people do not max their 401ks let al...
by anon_investor
Sun Sep 20, 2020 4:57 pm
Forum: Personal Investments
Topic: Any (legal) “loophole” for unused 529 funds?
Replies: 14
Views: 1419

Re: Any (legal) “loophole” for unused 529 funds?

If the beneficiary gets a scholarship, you can take out the scholarship amount and avoid the 10% penalty, but you still have to pay tax on the growth.
by anon_investor
Sun Sep 20, 2020 3:41 pm
Forum: Investing - Theory, News & General
Topic: Best 401k provider offering mega backdoor Roth
Replies: 9
Views: 598

Re: Best 401k provider offering mega backdoor Roth

I think default off the shelf plans in the past (maybe even now) did not have the necessary provisions and it is too much trouble or costly for employers with existing plans to amend their plans accordingly.
by anon_investor
Sun Sep 20, 2020 12:35 pm
Forum: Personal Investments
Topic: Best Vehicle for Home Savings
Replies: 30
Views: 2074

Re: Best Vehicle for Home Savings

If you were 5-10 years out from putting 20% down on a house, what is the best place to save money to fight inflation while protecting the savings from market swings? In today's low interest rate environment you can protect principal or take some risk to beat inflation, but not really both. With suc...
by anon_investor
Sun Sep 20, 2020 12:30 pm
Forum: Personal Investments
Topic: Lump sum mortgage payoff at 3.75% vs. invest
Replies: 15
Views: 993

Re: Lump sum mortgage payoff at 3.75% vs. invest

Brianmcg321 wrote: Sun Sep 20, 2020 11:33 am I would refinance. You could knock off 1% easy, and lower your monthly payment.
+1.
by anon_investor
Sun Sep 20, 2020 12:28 pm
Forum: Investing - Theory, News & General
Topic: Wondering why Value funds have done so poorly?
Replies: 28
Views: 3369

Re: Wondering why Value funds have done so poorly?

I think the question is "relative". Value funds have done poorly when compared to growth funds and the S&P 500 in general because the latter two are so dominated by a handful of high tech companies that have done well. Did you read the article? It's not just a "handful" of high tech companies. Ther...
by anon_investor
Sun Sep 20, 2020 9:48 am
Forum: Non-US Investing
Topic: $800K house on income of $160K with 50% down and a fixed 1.5.% 30 year mortgage
Replies: 10
Views: 1668

Re: $800K house on income of $160K with 50% down and a fixed 1.5.% 30 year mortgage

Currently renting, HCOL. We want to move to a nearby area because it has one of the best school districts in the region. We're happy to continue renting yet it's pretty much impossible to find rentals in the target area. Houses meeting our minimum of 1200 sqft and close to public transportation as ...
by anon_investor
Sun Sep 20, 2020 9:41 am
Forum: Investing - Theory, News & General
Topic: Wondering why Value funds have done so poorly?
Replies: 28
Views: 3369

Re: Wondering why Value funds have done so poorly?

I think the question is "relative". Value funds have done poorly when compared to growth funds and the S&P 500 in general because the latter two are so dominated by a handful of high tech companies that have done well. Did you read the article? It's not just a "handful" of high tech companies. Ther...
by anon_investor
Sun Sep 20, 2020 9:39 am
Forum: Non-US Investing
Topic: $800K house on income of $160K with 50% down and a fixed 1.5.% 30 year mortgage
Replies: 10
Views: 1668

Re: $800K house on income of $160K with 50% down and a fixed 1.5.% 30 year mortgage

Currently renting, HCOL. We want to move to a nearby area because it has one of the best school districts in the region. We're happy to continue renting yet it's pretty much impossible to find rentals in the target area. Houses meeting our minimum of 1200 sqft and close to public transportation as ...
by anon_investor
Sun Sep 20, 2020 9:36 am
Forum: Personal Finance (Not Investing)
Topic: COBRA v. Spouse's Health Insurance
Replies: 15
Views: 887

Re: COBRA v. Spouse's Health Insurance

My wife is changing jobs, and will switch from receiving employer-sponsored health insurance coverage (as a W2 employee) to an independent contractor without health insurance. Her health insurance expires September 30. I have health insurance through my job, so I'm looking at two options for the re...
by anon_investor
Sun Sep 20, 2020 9:16 am
Forum: Investing - Theory, News & General
Topic: Why have international stocks done so poorly?
Replies: 19
Views: 1753

Re: Why have international stocks done so poorly?

LMK5 wrote: Sun Sep 20, 2020 9:13 am International stocks have lagged US equities for quite some time. Does anyone know the fundamental reasons for this? Would you be inclined to up your allocation to international equities based on a future regression to the mean? Why or why not?
No FANG stocks...
by anon_investor
Sun Sep 20, 2020 9:13 am
Forum: Personal Investments
Topic: How long does it take for your 403b/401k contribution to show up after payday?
Replies: 29
Views: 1218

Re: How long does it take for your 403b/401k contribution to show up after payday?

I get paid on the 15th and last days of the month (or the business day before those dates) and almost always the 403(b) contribution shows up dated the day of my paycheck at TIAA. Occasionally (maybe 1 or 2 times a year out of 24?) the contribution shows up dated the next day. Same pay days, differ...
by anon_investor
Sun Sep 20, 2020 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Aggressive SL Debt Pay down v. Not meeting other goals
Replies: 40
Views: 2145

Re: Aggressive SL Debt Pay down v. Not meeting other goals

Your top priority needs to be increasing your income. At 5 years out of law school, your income is very low for Boston if you are in private practice. For reference, at 5 years out husband and I were both making around $150k each in a southeastern mid-sized city (not Atlanta, Miami, or even Nashvil...
by anon_investor
Sun Sep 20, 2020 7:52 am
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 236
Views: 13907

Re: Is Costco worth the $120 membership?

What percentage of these discussions of the utilty of paying $60 or $120 per YEAR for ANYTHING are necessary? My opinion is 0% but the mods keep allowing them so I must be in the minority. Always a cantankerous codger somewhere on the forum ;) When I see a thread title that doesn't interest me, I d...
by anon_investor
Sat Sep 19, 2020 9:17 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 236
Views: 13907

Re: Is Costco worth the $120 membership?

— I find that Costco caters to lowest common denominator tastes. I much prefer the products at my nearby Whole Foods. Ever shopped at Dollar Tree or Walmart? Not even close to being lowest. Well... the individual that shops at Whole Foods probably does not shop at Dollar Tree or Walmart...
by anon_investor
Sat Sep 19, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 236
Views: 13907

Re: Is Costco worth the $120 membership?

For me it isn't worth it because: — I am single and don't need to buy in bulk. — I live in a small apartment and can't store all those bulk purchases. — The nearest Costco is a long ways away. — I hate the crowds and the long checkout lines. — I find that Costco caters to lowest common denominator ...
by anon_investor
Sat Sep 19, 2020 8:44 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 236
Views: 13907

Re: Is Costco worth the $120 membership?

Costco works great for us. We have a large multigenerational household, so buying in bulk is no problem. We have the $120 executive membership and the Costco Visa. So we get 4% cash back on all our Costco + Costco gas purchases. Even pre-covid 90% of all of our purchases for everyday staples came fr...
by anon_investor
Sat Sep 19, 2020 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house before a potential corporate restructure - good or bad?
Replies: 23
Views: 1479

Re: Buying a house before a potential corporate restructure - good or bad?

OP hold off until you find out the details of the restructuring, delaying your home search 2-4 weeks is not a long time. Better safe than sorry.
by anon_investor
Sat Sep 19, 2020 6:38 pm
Forum: Personal Consumer Issues
Topic: Coping with Megacorp rat race
Replies: 168
Views: 15906

Re: Coping with Megacorp rat race

Frugalbear, My first thought when I read your post was that this has to be a troll thread. I had typed a whole lot....but deleted it as I imagine I would get spanked. 32 and burned out......ha.... I have been in the oilpatch almost 43 year You have been given some good advice in this thread. Hang t...
by anon_investor
Sat Sep 19, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6885
Views: 456812

Re: Refinance Mega Thread

Johny wrote: Sat Sep 19, 2020 12:52 pm Geez is LD screwing people over? Or just messing up the initial loan parameters?
Sounds like they are doing both...
by anon_investor
Sat Sep 19, 2020 9:14 am
Forum: Investing - Theory, News & General
Topic: Investing Groups (online, Zoom etc.)
Replies: 4
Views: 513

Re: Investing Groups (online, Zoom etc.)

Hi all, I'm new to Bogleheads (and new to investing in general), and I have recently learned a lot about the power of low cost index investing through reading JL Collins blog and listening to various podcasts, and I am really encouraged by the concepts I am learning. Is anyone aware of any online/v...
by anon_investor
Fri Sep 18, 2020 8:49 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 144
Views: 19979

Re: Your "at peace" moments.

Reading my young kids bed time stories. I changed jobs a few years ago for better work life balance. Totally worth it!
by anon_investor
Fri Sep 18, 2020 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6885
Views: 456812

Re: Refinance Mega Thread

Got 2 LEs from a lender today 2.5 with -450 cost and 2.375 with 450 cost for 30 year fixed. Tempted to go with 2.375 due to lower interest rate because I will pay less interest in long term which would weigh more than $900 diff but want to get thoughts from this group if that makes sense. PS: Cost ...
by anon_investor
Fri Sep 18, 2020 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6885
Views: 456812

Re: Refinance Mega Thread

Got 2 LEs from a lender today 2.5 with -450 cost and 2.375 with 450 cost for 30 year fixed. Tempted to go with 2.375 due to lower interest rate because I will pay less interest in long term which would weigh more than $900 diff but want to get thoughts from this group if that makes sense. PS: Cost ...
by anon_investor
Fri Sep 18, 2020 8:20 pm
Forum: Personal Investments
Topic: STAR fund in a taxable account
Replies: 3
Views: 467

Re: STAR fund in a taxable account

000 wrote: Fri Sep 18, 2020 8:02 pmUse an ETF.
+1, buy VTI and chill.
by anon_investor
Fri Sep 18, 2020 5:23 pm
Forum: Personal Investments
Topic: Vanguard Federal Money Market Fund - Settlement Fund?
Replies: 20
Views: 1193

Re: Vanguard Federal Money Market Fund - Settlement Fund?

MissOptimist wrote: Fri Sep 18, 2020 5:21 pm
000 wrote: Fri Sep 18, 2020 5:13 pm It's the only settlement fund available.
So it's a requirement for Vanguard account?
You can just keep $0 in it. When I make my regular purchases of VTSAX, I completely by pass the settlement account. But what is your concern? That is a super safe money market account.
by anon_investor
Fri Sep 18, 2020 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan ReFi - Fixed or Variable
Replies: 5
Views: 249

Re: Student Loan ReFi - Fixed or Variable

Pure speculation on my end, but the variable rate will probably save you a little if you can pay off the loan that quickly. However, 4% is not terrible and since you already have a plan to pay off the remainder in < 3 years, I would not take the risk of variable. Are there any fees associated with ...
by anon_investor
Fri Sep 18, 2020 12:17 am
Forum: Personal Consumer Issues
Topic: Chase Freedom to Freedom Unlimited on Credit history
Replies: 33
Views: 1534

Re: Chase Freedom to Freedom Unlimited on Credit history

The cell phone insurance might be nice. I have the original Freedom already. How did you go about converting? Phone call? Secure message? I got the freedom unlimited for the bonus, but also to get 1.5% cash back on purchases. I use it for my utility bills, cell phones and internet, so that extra 0....
by anon_investor
Thu Sep 17, 2020 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Where to put emergency fund money?
Replies: 20
Views: 1797

Re: Where to put emergency fund money?

Saving for a remodel & emergency fund are 2 different goals. Savings for a defined project should be in a savings account. EF is for unexpected emergencies. If you have significant taxable investments and job security, you can have your EF invested in ITOT which you can sell if you need to raise ca...
by anon_investor
Thu Sep 17, 2020 8:22 pm
Forum: Personal Consumer Issues
Topic: Chase Freedom to Freedom Unlimited on Credit history
Replies: 33
Views: 1534

Re: Chase Freedom to Freedom Unlimited on Credit history

If I have the sapphire preferred, the original freedom and freedom unlimited already, it sounds like the freedom flex provides me no additional benefit. Am I missing anything? It's just the best Freedom card in the 3 card tier, CSP is in the next tier up. The only reason to change the base Freedom ...
by anon_investor
Thu Sep 17, 2020 8:09 pm
Forum: Investing - Theory, News & General
Topic: VTI vs VOO vs VV tax impact?
Replies: 20
Views: 1551

Re: VTI vs VOO vs VV tax impact?

Say I had a $100,000 in each fund. What would the annual tax difference be, roughly? Assume each ETF pays 2% dividends annually, for simplicity. Might be more like 1.8%, and it will be slightly different for each ETF, but this is just a rough estimate. Then each ETF pays $2,000 in dividends. Using ...
by anon_investor
Thu Sep 17, 2020 8:02 pm
Forum: Personal Consumer Issues
Topic: Chase Freedom to Freedom Unlimited on Credit history
Replies: 33
Views: 1534

Re: Chase Freedom to Freedom Unlimited on Credit history

If I have the sapphire preferred, the original freedom and freedom unlimited already, it sounds like the freedom flex provides me no additional benefit. Am I missing anything? It's just the best Freedom card in the 3 card tier, CSP is in the next tier up. The only reason to change the base Freedom ...
by anon_investor
Thu Sep 17, 2020 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off home in MA - what else do I need to do?
Replies: 6
Views: 983

Re: Paid off home in MA - what else do I need to do?

Make sure your home insurance provider knows to send you the bills (if your old mortgage servicer was paying them via escrow).
by anon_investor
Thu Sep 17, 2020 7:16 pm
Forum: Personal Consumer Issues
Topic: Chase Freedom to Freedom Unlimited on Credit history
Replies: 33
Views: 1534

Re: Chase Freedom to Freedom Unlimited on Credit history

If I have the sapphire preferred, the original freedom and freedom unlimited already, it sounds like the freedom flex provides me no additional benefit. Am I missing anything?
by anon_investor
Thu Sep 17, 2020 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: refi or not?
Replies: 8
Views: 596

Re: refi or not?

quasar wrote: Thu Sep 17, 2020 6:55 pm No opinions or advice ? Please :happy
What does that $10k closing cost consist of? How much are loan related fees vs prepaids and escrow.
by anon_investor
Wed Sep 16, 2020 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: better vs lenderfi refi if all else equal
Replies: 10
Views: 619

Re: better vs lenderfi refi if all else equal

My experience w LF is people (loan processor and Ryan) are hard to reach. Slow in responding or just no response. Even hit me w a hard inquiry day prior to funding . Wouldn't recommend if u had a choice. They did close around 40 days I had a slightly different experience with LenderFi. Initial app ...
by anon_investor
Wed Sep 16, 2020 5:16 pm
Forum: Personal Investments
Topic: Prepay student loans OR megabackdoor Roth? (26 y/o in Biglaw; 190k salary; 180k debt)
Replies: 82
Views: 4964

Re: Prepay student loans OR megabackdoor Roth? (26 y/o in Biglaw; 190k salary; 180k debt)

Conservative investments at your age in Roth is a waste. You have time on your side. Your Roth space should be 100% equities. You are better paying off your loans than wasting roth space in that manner. Not if it’s a side fund earmarked for paying off his student loans in the event of an unexpected...
by anon_investor
Wed Sep 16, 2020 3:31 pm
Forum: Personal Investments
Topic: Prepay student loans OR megabackdoor Roth? (26 y/o in Biglaw; 190k salary; 180k debt)
Replies: 82
Views: 4964

Re: Prepay student loans OR megabackdoor Roth? (26 y/o in Biglaw; 190k salary; 180k debt)

I feel like one thing I've seen is that my friends who paid off the loans or never had very large loans from the start actually did better in biglaw--probably something about less psychological pressure etc. As someone who has stayed in biglaw for many years now, I think this point cannot be emphas...
by anon_investor
Wed Sep 16, 2020 7:00 am
Forum: Personal Investments
Topic: Prepay student loans OR megabackdoor Roth? (26 y/o in Biglaw; 190k salary; 180k debt)
Replies: 82
Views: 4964

Re: Prepay student loans OR megabackdoor Roth? (26 y/o in Biglaw; 190k salary; 180k debt)

I came across a follow-up question regarding the interaction between the MBDR and the normal backdoor Roth, and was hoping someone could confirm my reasoning if they came across this and had knowledge! Say that my after-tax non-Roth 401(k) amounts accrue interest before I move them to the Roth IRA....
by anon_investor
Tue Sep 15, 2020 10:35 pm
Forum: Personal Investments
Topic: Prepay student loans OR megabackdoor Roth? (26 y/o in Biglaw; 190k salary; 180k debt)
Replies: 82
Views: 4964

Re: Prepay student loans OR megabackdoor Roth? (26 y/o in Biglaw; 190k salary; 180k debt)

I came across a follow-up question regarding the interaction between the MBDR and the normal backdoor Roth, and was hoping someone could confirm my reasoning if they came across this and had knowledge! Say that my after-tax non-Roth 401(k) amounts accrue interest before I move them to the Roth IRA....
by anon_investor
Tue Sep 15, 2020 8:13 pm
Forum: Personal Consumer Issues
Topic: Tiffany Quality
Replies: 35
Views: 2637

Re: Tiffany Quality

How about a nice check? That is what I give now for wedding gifts, people seem to like that better.
by anon_investor
Tue Sep 15, 2020 7:59 pm
Forum: Investing - Theory, News & General
Topic: VTI vs VOO vs VV tax impact?
Replies: 20
Views: 1551

Re: VTI vs VOO vs VV tax impact?

rascott wrote: Tue Sep 15, 2020 7:31 pm Irrelevant. Literally talking like a few $ difference, at most.
+1
by anon_investor
Tue Sep 15, 2020 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6885
Views: 456812

Re: Refinance Mega Thread

Goal33 wrote: Mon Sep 14, 2020 7:04 pm
Johny wrote: Mon Sep 14, 2020 5:27 pm Has anyone ever been able to negotiate the origination fees under A on an LE before? Maybe even get them waived completely? Thank you.
mine are $0 and i didn't negotiate. LenderFi
+1.