Search found 108 matches

by dropdx
Mon Oct 26, 2020 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

Refinanced from original 30 year @ 3.875% to a no-fee 3.125% back in March, and I just started the process again today and locked in a no-fee 2.875%! It's been a nice ride, thanks LenderFi! Just to give an update on this - I started my second refinance with LenderFi on 10/13/2020 and I just signed ...
by dropdx
Wed Oct 14, 2020 12:06 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

Refinanced from original 30 year @ 3.875% to a no-fee 3.125% back in March, and I just started the process again today and locked in a no-fee 2.875%! It's been a nice ride, thanks LenderFi!
by dropdx
Fri Oct 02, 2020 8:31 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9426
Views: 754731

Re: U.S. stocks continue to soar!

Forester wrote: Thu Oct 01, 2020 9:26 pm Bitcoin sold off by 5% just now, crypto has an established track record of leading Nasdaq moves so expect the Nasdaq down around 2% by Friday's close.
I saw your post last night and someone had quoted you, mocking what you said and now their comment is gone lol, nice call.
by dropdx
Wed Sep 30, 2020 3:29 pm
Forum: Personal Investments
Topic: Should I make these voluntary contributions to my IAP account?
Replies: 2
Views: 192

Should I make these voluntary contributions to my IAP account?

A lot of this is just copy/paste information to help in understanding my question. At my work I have an employer-provided retirement plan, which includes two parts: A pension. An Individual Account Program (IAP). Starting July 1, 2020, Senate Bill (SB) 1049 requires that members earning more than $2...
by dropdx
Wed Sep 23, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Are you taking 2020 RMD anyhow?
Replies: 25
Views: 2142

Re: Are you taking 2020 RMD anyhow?

MrJedi wrote: Wed Sep 23, 2020 1:51 pm If you don't need the money you can consider doing a Roth conversion.
By "Roth conversion" do you just mean take the RMD and contribute it to your Roth IRA?
by dropdx
Sun Sep 20, 2020 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

If you have LenderFi / BSI Financial as your servicer and use Mint, then you should login to Mint and request that they add LenderFi as an account option! When logged into Mint: Click "Add Accounts" at the top For the bank name enter LenderFi Then click "Still can't find you bank" For the Bank URL e...
by dropdx
Thu Sep 17, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

RE: BSI and the earlier posts expressing concern based on terrible online reviews. I asked LenderFi and they said they (LF) technically are the servicer of the loan, but simply use BSI's platform for servicing functions. Not sure if that changes anything. I have my fingers crossed.... Are there peo...
by dropdx
Tue Sep 15, 2020 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

If I want a copy of the packet I’m going to be signing should I email LenderFi or Amrock? I called Amrock to get mine. You should have been e-mailed a closing contact or you can just call the main number and give them your loan number and they can pull up your file. How far in advance did they have...
by dropdx
Tue Sep 15, 2020 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Get LenderFi / BSI Financial added to Mint
Replies: 0
Views: 447

Get LenderFi / BSI Financial added to Mint

If you have LenderFi / BSI Financial as your servicer and use Mint, then you should login to Mint and request that they add LenderFi as an account option! When logged into Mint: Click "Add Accounts" at the top For the bank name enter LenderFi Then click "Still can't find you bank" For the Bank URL e...
by dropdx
Tue Sep 15, 2020 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

What rates are people currently getting with LenderFi for 30 year?
by dropdx
Tue Jul 14, 2020 11:11 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

Anyone have experience with lenderfi's 180 day refinance clawback rule? I know I signed one ~3 months ago but lenderfi has since sold my mortgage to Fannie Mae and servicing by Wells Fargo. Wondering if they can/will clawback the lender credit if I jumped at another refinance? Bump. Anyone have any...
by dropdx
Tue Jul 14, 2020 11:08 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

I'm in the middle of my second refi with LenderFi. We're scheduled to close on Saturday. Once they lock your rate, radio silence to varying degrees is to be expected while your refi is processed - which is taking longer than usual due to their current backlog. Did you reach out to your same process...
by dropdx
Wed Jul 08, 2020 10:45 am
Forum: Personal Investments
Topic: Am I oversaving?
Replies: 39
Views: 4380

Re: Am I oversaving?

It looks like you've got very little in your own retirement accounts but a lot in taxable. Why are you investing in taxable accounts instead of using tax-advantaged accounts first? I get that the 457b is high-cost but what about the 401k? Is a match offered in the 401k? What are the investment opti...
by dropdx
Wed Jul 08, 2020 1:48 am
Forum: Personal Investments
Topic: Am I oversaving?
Replies: 39
Views: 4380

Am I oversaving?

-------------------------------------------------------------------------------------------- 34, file single, no kids Federal Tax Rate - 22% or 24% (depends on rental deductions) State Tax Rate - 9% Current Income Work Salary - $98,000 Inherited IRA RMD - $4,000 Brokerage Dividends - $7,200 Rental -...
by dropdx
Wed Jun 24, 2020 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Merit increase: lump sum bonus vs additional PTO?
Replies: 22
Views: 1190

Re: Merit increase: lump sum bonus vs additional PTO?

5% as a lump sum bonus (based on base salary) Be sure to look to see what that would be after taxes. 5% in additional PTO (based on base salary) What does that mean? 5% of 52 weeks is over 2.5 weeks additional time off. That sounds great but what would you do with it before it expires? With the pan...
by dropdx
Wed Jun 24, 2020 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Merit increase: lump sum bonus vs additional PTO?
Replies: 22
Views: 1190

Re: Merit increase: lump sum bonus vs additional PTO?

sailaway wrote: Wed Jun 24, 2020 6:41 pm Is that perpetually more PTO or one time?
It'd be one time.
by dropdx
Wed Jun 24, 2020 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Merit increase: lump sum bonus vs additional PTO?
Replies: 22
Views: 1190

Merit increase: lump sum bonus vs additional PTO?

I just had my yearly performance review, and I guess I'm at the top of my pay grade, so I can't just get a salary increase like usual. The options that were given to me are: 5% as a lump sum bonus (based on base salary) 5% in additional PTO (based on base salary) A combination of both Is one of thes...
by dropdx
Tue May 26, 2020 11:38 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 94
Views: 8894

Re: Anyone screwed up timing the market?

I stayed in but didn't rebalance. I should have done so but I don't like making big trades when things are so volatile. Never had a chance for the market to find a bottom. Missed opportunity for sure but I am OK with it. One thing I have been good at as an investor is never, ever sell when stocks a...
by dropdx
Wed May 20, 2020 3:23 pm
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 44116

Re: Why international?

So, I just read this whole thread, but I'm confused.

Do I buy international?
by dropdx
Thu May 14, 2020 11:46 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

Does your escrow balance match what was shown on your closing documents? Mine is different. Honestly, I'm thinking about refinancing again just to get away from BSI: https://www.consumerfinance.gov/about-us/newsroom/bureau-settles-bsi-financial-services/ https://www.housingwire.com/articles/49167-c...
by dropdx
Thu May 14, 2020 10:48 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

Anyone's account status changed? Mine is still showing delinquent (by 12 days now). :annoyed Nope, mine is saying the same, and I mailed the check on May 4. When did you mail yours? My escrow balance finally posted today though. mailed 4/23. posted to my checking account 5/4. My escrow balance post...
by dropdx
Wed May 13, 2020 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with probate / estate situation
Replies: 7
Views: 562

Re: Need help with tricky probate / estate situation

Despite not one but two attorneys being involved the house was deeded to sister? How is that even possible? Could you expand a bit? I'm not following what you're saying or questioning. We are all close, so I'm not worried that only her name is on the deed. I have zero doubt that my sister will spli...
by dropdx
Wed May 13, 2020 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

dlrkw9mu wrote: Wed May 13, 2020 6:26 pm Anyone's account status changed? Mine is still showing delinquent (by 12 days now). :annoyed
Nope, mine is saying the same, and I mailed the check on May 4. When did you mail yours? My escrow balance finally posted today though.
by dropdx
Wed May 13, 2020 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with probate / estate situation
Replies: 7
Views: 562

Need help with probate / estate situation

My mom unexpectedly passed away last year. She owned a home in Colorado and a second home in Florida. Her home in Colorado is valued at around $420K, and it was originally purchased for around $200K. A few years ago she used the equity in the Colorado home to purchase the Florida home. Because she h...
by dropdx
Sun May 10, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

Thanks all. I guess the good news is that LenderFi seems to now have a servicing payment portal and you can set up automatic ACH payments. There is an article in the WSJ today about them problems that the mortgage industry is facing. My online account shows $0 for my escrow balance even though it s...
by dropdx
Wed May 06, 2020 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

Well, in the year 2020 I never thought I'd have to say this, BUT: I just MAILED my mortgage payment. Oh dear lord. Same here.... I detest sending paper mail and am dreading having to (gasp) remember the next deadline for the next payment. First world problems I guess... but heh, 2020 As for the add...
by dropdx
Mon May 04, 2020 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

Well, in the year 2020 I never thought I'd have to say this, BUT:

I just MAILED my mortgage payment. Oh dear lord.
by dropdx
Thu Apr 30, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

So I guess I am in the same boat then with a May 1 due date. No news from Lenderfi and I plan to send an email this Monday April 27 to ask about next steps. I assume I will get a similar response regarding Lenderfi taking the servicing of these payments. A bit annoying that I am having to proactive...
by dropdx
Wed Apr 29, 2020 9:52 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

Well, before this whole servicing fiasco, I would have recommended LenderFi, but now I can't. I asked a simple question of whether or not I will be charged a late fee if I decide to wait for the online payment portal to be setup, and they will not reply to me. They are way too small to be servicing...
by dropdx
Tue Apr 28, 2020 7:34 pm
Forum: Personal Investments
Topic: Would this be a good TLH move?
Replies: 1
Views: 196

Would this be a good TLH move?

Last month I did my first TLH for about $40K by exchanging Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) for Vanguard FTSE All-World ex-US Index Fund Admiral Shares (VFWAX). About a week before that TLH I had exchanged all of my Vanguard Total Bond Market Index Fund Admiral Sh...
by dropdx
Tue Apr 28, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

So I guess I am in the same boat then with a May 1 due date. No news from Lenderfi and I plan to send an email this Monday April 27 to ask about next steps. I assume I will get a similar response regarding Lenderfi taking the servicing of these payments. A bit annoying that I am having to proactive...
by dropdx
Tue Apr 28, 2020 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

Well, before this whole servicing fiasco, I would have recommended LenderFi, but now I can't. I asked a simple question of whether or not I will be charged a late fee if I decide to wait for the online payment portal to be setup, and they will not reply to me. They are way too small to be servicing...
by dropdx
Sun Apr 26, 2020 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

So I guess I am in the same boat then with a May 1 due date. No news from Lenderfi and I plan to send an email this Monday April 27 to ask about next steps. I assume I will get a similar response regarding Lenderfi taking the servicing of these payments. A bit annoying that I am having to proactive...
by dropdx
Fri Apr 24, 2020 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

Maybe? I find it a bit concerning that LenderFi is now servicing the loan and doesn't even have an online portal to make payments yet? I actually bank with Wells Fargo, so I was happy that they bought it back, but I guess not. Weird situation. Is it a jumbo? Wells recently dropped new correspondent...
by dropdx
Fri Apr 24, 2020 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

Maybe? I find it a bit concerning that LenderFi is now servicing the loan and doesn't even have an online portal to make payments yet? I actually bank with Wells Fargo, so I was happy that they bought it back, but I guess not.

Weird situation.
by dropdx
Fri Apr 24, 2020 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

I reached out to the 'Post-Closer' with LenderFi asking when I should expect to hear from Wells Fargo, but he replied that Wells Fargo will no longer be servicing the loan. Kind of weird since it was stated in my closing documents that they would be? Here were his replies: I do apologize with the la...
by dropdx
Thu Apr 23, 2020 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7592
Views: 521949

Re: Refinance Mega Thread

Could someone please recommend a good lender for a duplex investment property?
by dropdx
Thu Apr 23, 2020 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1419
Views: 128339

Re: My LenderFi refinance is going well

How long does it take to get details on which company take over the loan and needed payment instructions? I was wondering the same thing. My loan funded March 24th, and was bought by Wells Fargo. My first payment is supposed to be May 1st, but I haven't heard anything from Wells Fargo. Is this norm...
by dropdx
Wed Apr 08, 2020 7:31 pm
Forum: Personal Investments
Topic: Holding VFWAX and buying VTIAX?
Replies: 10
Views: 529

Re: Holding VFWAX and buying VTIAX?

No. After all, one was good enough to sell for the other, so you must think they're interchangeable. I happen to agree. Tough to even see two lines in the link below. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2020&lastMonth=12&calend...
by dropdx
Wed Apr 08, 2020 5:22 pm
Forum: Personal Investments
Topic: Holding VFWAX and buying VTIAX?
Replies: 10
Views: 529

Holding VFWAX and buying VTIAX?

I did my first TLH of $40K last week by exchanging all of my Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) for Vanguard FTSE All-World ex-US Index Fund Admiral Shares (VFWAX). Since then, my VFWAX holding has increased $10,000 in value - actually more than VTIAX would have, bu...
by dropdx
Tue Apr 07, 2020 6:17 pm
Forum: Investing - Theory, News & General
Topic: Hope you weren't born in 1960
Replies: 63
Views: 11235

Re: Hope you weren't born in 1960

Since I was in fact born in 1960, this caught my attention. This also describes the indexing mentioned here, in pretty clear language (https://www.ssa.gov/OACT/COLA/awifactors.html) An individual's earnings are always indexed to the average wage level two years prior to the year of first eligibilit...
by dropdx
Wed Mar 25, 2020 4:11 pm
Forum: Personal Investments
Topic: Sell all shares in Roth IRA to avoid a wash sale?
Replies: 65
Views: 2365

Re: Sell all shares in Roth IRA to avoid a wash sale?

My question is - why is this so unclear? Why does NO ONE seem to really know?
by dropdx
Tue Mar 24, 2020 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: What credit card are you using that is not Citi 2% cashback?
Replies: 57
Views: 7372

Re: What credit card are you using that is not Citi 2% cashback?

I'm looking at getting the Wells Fargo Propel card: https://www.wellsfargo.com/credit-cards/propel/ Earn 3x points on: Eating out and ordering in Gas stations, rideshares, and transit Flights, hotels, homestays, and car rentals Popular streaming services I've been debating getting the Wells Fargo P...
by dropdx
Tue Mar 24, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: What credit card are you using that is not Citi 2% cashback?
Replies: 57
Views: 7372

Re: What credit card are you using that is not Citi 2% cashback?

I'm looking at getting the Wells Fargo Propel card:

https://www.wellsfargo.com/credit-cards/propel/

Earn 3x points on:
  • Eating out and ordering in
  • Gas stations, rideshares, and transit
  • Flights, hotels, homestays, and car rentals
  • Popular streaming services
by dropdx
Mon Mar 23, 2020 11:27 am
Forum: Personal Investments
Topic: Is this a decent TLH plan?
Replies: 3
Views: 325

Re: Is this a decent TLH plan?

I was told in the above post that I would need to sell all the VTSAX in my Inherited IRA and then do the same in my Taxable to avoid the wash sale. I think that's wrong. You shouldn't have to vaporize your entire holding in the IRA just to make sure you're not running afoul of the wash sale rule. T...
by dropdx
Mon Mar 23, 2020 9:16 am
Forum: Personal Investments
Topic: Is this a decent TLH plan?
Replies: 3
Views: 325

Re: Is this a decent TLH plan?

Bump - posted too late last night
by dropdx
Sun Mar 22, 2020 10:29 pm
Forum: Personal Investments
Topic: Is this a decent TLH plan?
Replies: 3
Views: 325

Is this a decent TLH plan?

Previous post: https://www.bogleheads.org/forum/viewtopic.php?p=5113070 At Vanguard I hold only Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) and Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) which is currently at a ratio of about 50/50. My Inherited IRA and Ro...
by dropdx
Fri Mar 20, 2020 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7592
Views: 521949

Re: Refinance Mega Thread

I closed today on a 30 year @ 3.125% with LenderFi. No appraisal was needed and I received enough lender credits to cover all closing costs and I even got a $400 refund at closing. LenderFi was absolutely awesome - no BS, got me the best rate they could and processing was easy. When did you apply/l...