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new2bogle

soxpatsbos wrote: ↑
Wed Jul 22, 2020 1:46 pm
Seeking feedback on these charges of the loan estimate, any pointers will be super helpful. Thanks in advance!
2.75% 30Y/Fixed

https://drive.google.com/file/d/1TuV37e ... sp=sharing

Lender's title insurance of $575 is insane. In TX, this always north of $2,000.

new2bogle

cat 5 wiring is not good enough. get cat 6.

new2bogle

I think a true boglehead prefers no diamonds at all.... (but tell that to my wife). Though she is ok with lab grown, naked eye is indistinguishable.

new2bogle

I ended carrying two mortgages. My second house was really cheap and I might turn it into a rental at some point in the future. I'm currently renting out my first house to my girlfriend. I'll sell it if she gets a job out my way and moves. Yeah, but you have to be able to qualify for two mortgages....

new2bogle

Our friends sold their house and rented for 6/7 months until they found a house they liked. So that is one way.

new2bogle

I am at 90/10 with over a million in investable cash. The March crash hurt, but with discipline (i.e., did nothing other than keep on dumping money in) I was back to my pre-crash levels even before the indexes were. I still have 25+ years to full retirement age, so that helps also.

new2bogle

In my old house (with 1978 original aluminum frame windows), I put aluminum foil on one west-facing window that got extremely hot. It helped. I'll try that if no obviously better idea shows up today. It should at least entertain the neighbors :-) I did this in grad school when the apt I rented up n...

new2bogle

Thanks - I am not generally a hat wearer so don't have any lying around. Will check it out. I do wear sunglasses, that is a big help.

new2bogle

I run outside several days a week (30-40 minutes each), even when it is sunny and 110F outside. What kind of hats would you suggest for a runner?

new2bogle

I agree with your recommendation to not buy house and keep expenses low. His spouse is the problem there; not sure she'll stick around if they continue to live cheap. Does not compute with church teachings. If she will break this, might as well forgo the 10% tax as well and save that for the loan.

new2bogle

Been to the dentist 3 times since pandemic started. Once in May, twice in June. Sterile environment, they are doing a good job.

new2bogle

Fiber, always, until 5G is good to your house. up/down are the same speed, peak hour congestion due to your neighborhood does not exist.

new2bogle

Something with 2% cash back on all purchases and no annual fee, no funny business such as different percentages by purchase type, caps on reimbursement, and / or rotating categories by month. Citi Double Cash fits that bill. I know there are others too, but I can't think of them at the moment. If y...

new2bogle

Our school district has sent a survey and we have voted for in-person schooling but will forgo use of buses and instead drive them daily. My wife is stay at home, virtual schooling would not put us in any difficulty, yet we still opted for in-person schooling due the social interactions that we feel...

new2bogle

Was the original loan amount about $180k? It seems like if you get the new loan ($137k @ 2.75%), you will end up paying more interest over the new 15 year term (cumulatively) than just keeping the current loan. However, you also save on the lower monthly payment, so overall you will spend less out o...

new2bogle

I like YTTV but that is a big price increase. And there was one last year. A 30% increase is a lot. I don't need/want the new channels I am going to be evaluating other options....likely Sling. Or getting rid of cable channels altogether. They charge tax on it where I live so YTTV will be over $70/...

new2bogle

I am getting my money back from Delta for an international trip (I have an email saying so, have not received the money yet). I would definitely try to call Delta - they have a call back feature and I would try that out. In my case, Delta cancelled my flights and I was unable to see my itinerary on ...

new2bogle

Could be intel vs qualcomm modem. I believe iphone 6 has the qualcomm modem while the XR has the intel modem. I've noticed worse reception in my iphone XS (intel) vs my kid's iphone 7 (qualcomm) even though the XS is supposed to support tmobile's new 600MHz far reaching LTE band.

new2bogle

Update: Delta cancelled my flights and issued me credits for future flights, all automatically. I had to call them up and request a refund, which they did. It will take 6-8 weeks to credit for some reason, but I did get an email receipt.

new2bogle

Do yourself a favor and Just buy a Vizio M series or TCL 6 series. Unless you’re willing to shell out thousands of dollars, these TVs go head to head with others at higher price points. This. After spending a couple of weeks looking at/researching, we ended up with the Vizio M, 65" for $599 on BF. ...

new2bogle

How far are you willing to travel? There is a chain (three locations) of pizza that is, in my opinion, the best I've had in this time zone. However, the south-most of them is in San Juan Capistrano. What's the name of the place? I make it out to San Clemente every few months (though not recently) a...

new2bogle

lthenderson wrote: ↑
Sun Jun 21, 2020 11:14 pm
Los Pollos Hermanos

Too long of a drive from San Diego.

new2bogle

had another computer question and figured id just leave them all in here instead of making a new thread. im looking for an automatic file backup program. I used to use mozy but they are gone now and I was looking for a good replacement. one that does automatic off-site backups (daily?). any recomme...

new2bogle

Timely thread as I just went up in internet speed. I used to have 100/100 from ATT fiber ($41/month post taxes/fees). This is more than pretty much anyone needs, it supported 2 or 3 4k streams at the same time or multiple 1080p streams from netflix. Never had a problem until my promotion ran out (pr...

new2bogle

Looks like rates have gone up past 1-2 days. Back to playing the waiting game.

new2bogle

Wanted to update the thread.

Got my new used computer and it worked out exactly as indicated above. I took out the HDD, popped in the SSD and installed win10 pro, after installation windows reported the installation was activated.

Thanks all for the tips!

new2bogle

+1 Great idea! Does this somehow embed the license in either the USB drive or elsewhere? Yes. For example, I upgraded my 8 laptop to 10. I have to log onto the internet to activate my free upgrade to 10. If I failed to do that and did a clean install of 10, Microsoft won't recognize my clean instal...

new2bogle

Also, I ended up getting an i5-4590 with 8gb of ram. Should be more than good enough for what I need, hopefully for more than a few years! Ha ha I just bought the exact same system 3-4 weeks ago from e-Bay. Mine is a Dell Optiplex 3020 SFF and so far I have been very happy with it. One thing I reco...

new2bogle

In my experience, the embedded Windows 7 style keys wont work to install Windows 10, I bought two used HP laptops on eBay last month. Both had no hard drive. Both had legible Windows 7 OA keys on the bottom of the laptop. I clean installed Windows 10. Connected the laptops to the router. Used the W...

new2bogle

One conservative option is to use the included Windows 10 to make a reinstall drive on a (big) USB drive before removing the hard drive. +1 Great idea! Does this somehow embed the license in either the USB drive or elsewhere? Yes. For example, I upgraded my 8 laptop to 10. I have to log onto the in...

new2bogle

There are basically no basements in any TX house, so a/c and heating are always in the attic. Note that it gets both very hot and fairly cold (30s) in a lot/most places in TX.

I've never had a problem with this hvac arrangement.

new2bogle

Also, I ended up getting an i5-4590 with 8gb of ram. Should be more than good enough for what I need, hopefully for more than a few years!

new2bogle

tibbitts wrote: ↑
Tue Jun 02, 2020 7:32 am

crefwatch wrote: ↑
Tue Jun 02, 2020 6:13 am
One conservative option is to use the included Windows 10 to make a reinstall drive on a (big) USB drive before removing the hard drive.
+1

Great idea! Does this somehow embed the license in either the USB drive or elsewhere?

new2bogle

I've got a few of these as well, and they can be great deals. One thing to be careful of is that the older ones almost certainly did not come with Windows 10. They may have been eligible for a free update to Win10 at some point, but the Windows 10 license is not actually embedded into the PC - its ...

new2bogle

It would also to back it up so that you can at least go back to the original configuration if you need to. Yes. I'll actually not touch the HDD it comes with (just unplug it) until I can install Win10 on the SSD I put into it. Once done, I can wipe it. I used to use zdelete, not sure if that still ...

new2bogle

Cool thanks!

slmgr /dli worked on my current computer and is what I needed to know "License Status: Licensed"

new2bogle

I will most likely be replacing an older PC I have with one bought through ebay that is refurbished. Lots of them around the $120 price range that use 4th gen i5 processors/8GB RAM which is more power than I need. (I am replacing a Pentium 4 with 512MB RAM!) These PCs come pre-loaded with Win 10. Si...

new2bogle

Here is the interior shiplap I've ordered. It is 0.375" thick MDF. I am going to hang a TV on the wall too, but that will be bolted through the shiplap into the stud. I have no qualms buying a compressor other than it is one time use tool which will just take up space in the garage. I've never need...

new2bogle

Here is the interior shiplap I've ordered. It is 0.375" thick MDF. I am going to hang a TV on the wall too, but that will be bolted through the shiplap into the stud. I have no qualms buying a compressor other than it is one time use tool which will just take up space in the garage. I've never neede...

new2bogle

Wow, you guys are right about the pressure washer. I really had a pretty big brain fart on that. I've done base boards by hand it was not too bad, I think with 18 gauge it will be easier. It will be two walls, so by hand it doable but would rather not overextend myself physically. Any pointers on wh...

new2bogle

I own a Sun Joe pressure washer which has a low (1450) and high (2030) psi setting. Is it possible to use this as the air compressor for a pneumatic nail gun such as this: nail gun at Home Depot ? Point is to not have to purchase an air compressor that otherwise will just sit in the garage. I unders...

new2bogle

Has anyone refinanced in Texas? I am not able to find these sub-3% rates without points (and forget no-fee refinance). I'm wondering what my Texas neighbors are finding. Not had good luck myself with Jumbos. Best I got back in March was 3.5% with ~$3k in closing costs on a 30 year jumbo. Current is...

new2bogle

Has anyone refinanced in Texas? I am not able to find these sub-3% rates without points (and forget no-fee refinance).

I'm wondering what my Texas neighbors are finding.

new2bogle

Couple of questions:
1) Which CRA should I unfreeze? Sounds like only Equifax..?
2) This is the account needed to get the full 2% on their credit card right? That seems more valuable to me.

new2bogle

Terro is excellent. I have a bottle of the liquid that I bring out every year around spring time to help with all of the "sugar" ants (the smaller ants that are either black or brown). I have never used the traps as I just see them as a more expensive way to sell Terro. Do you have to open a seal on...

new2bogle

What happens to a public company's stock when the company is going through bankruptcy? I am wondering since there have been a few threads here about possibility of U.S. based airlines going bankrupt. Do individual shareholders lose all value of their shares? When these companies are coming out of ba...

new2bogle

The Hunt - really quite an awful movie. unbelievable on multiple levels and wasnt even entertaining (and I am easily entertained).

Parasite - what an excellent movie. Really puts in perspective class differences and life circumstance.

new2bogle

In TX, it takes 1-2 billing cycles (months) for the "pay by mail" option to get billed. First time I used a Texas toll road while visiting from Michigan it took them almost a year to find me. But now I live in Texas, so they know exactly where I am. I think it was New York where the toll road didn'...

new2bogle

At my tech MegaCorp, we already had a very generous WFH policy (including up to 2 days per week every week could be scheduled as WFH). Word through the grapevine is that during this mandatory WFH period, productivity is actually way up. I've been telling my team to make sure they take weekends off a...

new2bogle

student wrote: ↑
Mon Apr 27, 2020 8:31 am
Just a data point. Delta cancelled my flight and moved it to another time. It is about 4 hours difference. I called and got a refund.

Excellent -thanks.

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