Search found 1552 matches

by new2bogle
Wed Jul 22, 2020 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4318
Views: 300686

Re: Refinance Mega Thread

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.
by new2bogle
Tue Jul 21, 2020 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Electrical upgrades for a new build home
Replies: 48
Views: 2796

Re: Electrical upgrades for a new build home

cat 5 wiring is not good enough. get cat 6.
by new2bogle
Mon Jul 20, 2020 4:03 pm
Forum: Personal Consumer Issues
Topic: Lab Grown versus Mined Diamond
Replies: 12
Views: 964

Re: Lab Grown versus Mined Diamond

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.
by new2bogle
Mon Jul 20, 2020 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: How do people sell a house and buy one at the same time?
Replies: 46
Views: 5369

Re: How do people sell a house and buy one at the same time?

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....
by new2bogle
Mon Jul 20, 2020 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: How do people sell a house and buy one at the same time?
Replies: 46
Views: 5369

Re: How do people sell a house and buy one at the same time?

Our friends sold their house and rented for 6/7 months until they found a house they liked. So that is one way.
by new2bogle
Mon Jul 20, 2020 3:46 pm
Forum: Personal Investments
Topic: Until What Age Would You Recommend 0% Bond Allocation?
Replies: 149
Views: 8064

Re: Until What Age Would You Recommend 0% Bond Allocation?

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.
by new2bogle
Mon Jul 20, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: cheap, easy, temporary heat blocking stuff for windows?
Replies: 44
Views: 2434

Re: cheap, easy, temporary heat blocking stuff for windows?

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...
by new2bogle
Mon Jul 20, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Walking OK with sun exposure?
Replies: 87
Views: 5642

Re: Walking OK with sun exposure?

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.
by new2bogle
Mon Jul 20, 2020 3:23 pm
Forum: Personal Consumer Issues
Topic: Walking OK with sun exposure?
Replies: 87
Views: 5642

Re: Walking OK with sun exposure?

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?
by new2bogle
Mon Jul 20, 2020 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: $359k in med school debt; advice for family member
Replies: 101
Views: 6984

Re: $359k in med school debt; advice for family member

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.
by new2bogle
Sun Jul 12, 2020 7:44 pm
Forum: Personal Consumer Issues
Topic: Visiting dentist during pandemic (still under stay home orders)
Replies: 30
Views: 2459

Re: Visiting dentist during pandemic (still under stay home orders)

Been to the dentist 3 times since pandemic started. Once in May, twice in June. Sterile environment, they are doing a good job.
by new2bogle
Thu Jul 02, 2020 1:21 pm
Forum: Personal Consumer Issues
Topic: cable vs. fiber internet. Which to choose?
Replies: 31
Views: 2053

Re: cable vs. fiber internet. Which to choose?

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.
by new2bogle
Thu Jul 02, 2020 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Please suggest a Credit Card
Replies: 36
Views: 2370

Re: Please suggest a Credit Card

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...
by new2bogle
Thu Jul 02, 2020 9:33 am
Forum: Personal Consumer Issues
Topic: Elementary school in Fall - choose Virtual or In-person
Replies: 120
Views: 8281

Re: Elementary school in Fall - choose Virtual or In-person

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...
by new2bogle
Thu Jul 02, 2020 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Worth it to refinance?
Replies: 10
Views: 856

Re: Worth it to refinance?

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...
by new2bogle
Wed Jul 01, 2020 2:44 pm
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 7559

Re: does anyone have a subscription to youtube tv?

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/...
by new2bogle
Wed Jul 01, 2020 12:38 pm
Forum: Personal Consumer Issues
Topic: Getting a Refund (or any response) from Delta Seems Impossible
Replies: 29
Views: 1792

Re: Getting a Refund (or any response) from Delta Seems Impossible

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 ...
by new2bogle
Sat Jun 27, 2020 9:49 am
Forum: Personal Consumer Issues
Topic: iPhone - puzzling problem
Replies: 13
Views: 1165

Re: iPhone - puzzling problem

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.
by new2bogle
Thu Jun 25, 2020 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: What to do about my paid for European vacation in July?
Replies: 23
Views: 2475

Re: What to do about my paid for European vacation in July?

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.
by new2bogle
Wed Jun 24, 2020 7:44 pm
Forum: Personal Consumer Issues
Topic: New 4K TV: LED, QLED or OLED?
Replies: 113
Views: 5937

Re: New 4K TV: LED, QLED or OLED?

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. ...
by new2bogle
Mon Jun 22, 2020 10:18 pm
Forum: Personal Consumer Issues
Topic: Restaurants recommendations
Replies: 73
Views: 5099

Re: Restaurants recommendations

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...
by new2bogle
Mon Jun 22, 2020 10:16 pm
Forum: Personal Consumer Issues
Topic: Restaurants recommendations
Replies: 73
Views: 5099

Re: Restaurants recommendations

lthenderson wrote:
Sun Jun 21, 2020 11:14 pm
Los Pollos Hermanos
Too long of a drive from San Diego.
by new2bogle
Sun Jun 21, 2020 1:37 pm
Forum: Personal Consumer Issues
Topic: I think I need a new computer
Replies: 135
Views: 7112

Re: I think I need a new computer

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...
by new2bogle
Sun Jun 14, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: To what Broadband Speeds do you Subscribe and Why?
Replies: 123
Views: 5957

Re: To what Broadband Speeds do you Subscribe and Why?

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...
by new2bogle
Sun Jun 07, 2020 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4318
Views: 300686

Re: Refinance Mega Thread

Looks like rates have gone up past 1-2 days. Back to playing the waiting game.
by new2bogle
Sun Jun 07, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: Buying a used PC/desktop from eBay
Replies: 38
Views: 2020

Re: Buying a used PC/desktop from eBay

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!
by new2bogle
Wed Jun 03, 2020 2:53 pm
Forum: Personal Consumer Issues
Topic: Buying a used PC/desktop from eBay
Replies: 38
Views: 2020

Re: Buying a used PC/desktop from eBay

+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...
by new2bogle
Wed Jun 03, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: Buying a used PC/desktop from eBay
Replies: 38
Views: 2020

Re: Buying a used PC/desktop from eBay

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...
by new2bogle
Wed Jun 03, 2020 1:46 pm
Forum: Personal Consumer Issues
Topic: Buying a used PC/desktop from eBay
Replies: 38
Views: 2020

Re: Buying a used PC/desktop from eBay

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...
by new2bogle
Wed Jun 03, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: Buying a used PC/desktop from eBay
Replies: 38
Views: 2020

Re: Buying a used PC/desktop from eBay

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...
by new2bogle
Wed Jun 03, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: thoughts on furnance on the second floor
Replies: 15
Views: 800

Re: thoughts on furnance on the second floor

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.
by new2bogle
Wed Jun 03, 2020 12:20 am
Forum: Personal Consumer Issues
Topic: Buying a used PC/desktop from eBay
Replies: 38
Views: 2020

Re: Buying a used PC/desktop from eBay

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!
by new2bogle
Wed Jun 03, 2020 12:19 am
Forum: Personal Consumer Issues
Topic: Buying a used PC/desktop from eBay
Replies: 38
Views: 2020

Re: Buying a used PC/desktop from eBay

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?
by new2bogle
Mon Jun 01, 2020 10:57 pm
Forum: Personal Consumer Issues
Topic: Buying a used PC/desktop from eBay
Replies: 38
Views: 2020

Re: Buying a used PC/desktop from eBay

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 ...
by new2bogle
Mon Jun 01, 2020 5:14 pm
Forum: Personal Consumer Issues
Topic: Buying a used PC/desktop from eBay
Replies: 38
Views: 2020

Re: Buying a used PC/desktop from eBay

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 ...
by new2bogle
Mon Jun 01, 2020 5:12 pm
Forum: Personal Consumer Issues
Topic: Buying a used PC/desktop from eBay
Replies: 38
Views: 2020

Re: Buying a used PC/desktop from eBay

Cool thanks!

slmgr /dli worked on my current computer and is what I needed to know "License Status: Licensed"
by new2bogle
Mon Jun 01, 2020 4:53 pm
Forum: Personal Consumer Issues
Topic: Buying a used PC/desktop from eBay
Replies: 38
Views: 2020

Buying a used PC/desktop from eBay

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...
by new2bogle
Mon Jun 01, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: Can I use my pressure washer compressor for a pneumatic nail gun?
Replies: 24
Views: 1816

Re: Can I use my pressure washer compressor for a pneumatic nail gun?

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...
by new2bogle
Mon Jun 01, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: Can I use my pressure washer compressor for a pneumatic nail gun?
Replies: 24
Views: 1816

Re: Can I use my pressure washer compressor for a pneumatic nail gun?

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...
by new2bogle
Sun May 31, 2020 7:01 pm
Forum: Personal Consumer Issues
Topic: Can I use my pressure washer compressor for a pneumatic nail gun?
Replies: 24
Views: 1816

Re: Can I use my pressure washer compressor for a pneumatic nail gun?

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...
by new2bogle
Sun May 31, 2020 3:25 pm
Forum: Personal Consumer Issues
Topic: Can I use my pressure washer compressor for a pneumatic nail gun?
Replies: 24
Views: 1816

Can I use my pressure washer compressor for a pneumatic nail gun?

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...
by new2bogle
Thu May 21, 2020 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4318
Views: 300686

Re: Refinance Mega Thread

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...
by new2bogle
Mon May 18, 2020 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4318
Views: 300686

Re: Refinance Mega Thread

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.
by new2bogle
Mon May 11, 2020 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Easy $200 from Penfed?
Replies: 52
Views: 5524

Re: Easy $200 from Penfed?

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.
by new2bogle
Mon May 04, 2020 3:45 pm
Forum: Personal Consumer Issues
Topic: terro ant treatment
Replies: 34
Views: 1877

Re: terro ant treatment

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...
by new2bogle
Mon May 04, 2020 9:41 am
Forum: Investing - Theory, News & General
Topic: What happens to Corporation stock when filing for bankruptcy?
Replies: 6
Views: 660

What happens to Corporation stock when filing for bankruptcy?

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...
by new2bogle
Fri May 01, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5658
Views: 1368436

Re: What Movie Have You Recently Watched?

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.
by new2bogle
Mon Apr 27, 2020 4:50 pm
Forum: Personal Consumer Issues
Topic: How long to wait for a toll by mail bill?
Replies: 20
Views: 1088

Re: How long to wait for a toll by mail bill?

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'...
by new2bogle
Mon Apr 27, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6230

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

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...
by new2bogle
Mon Apr 27, 2020 10:41 am
Forum: Personal Consumer Issues
Topic: DOT: Airlines must offer refunds for cancelled flights (not just credits)
Replies: 109
Views: 9373

Re: DOT: Airlines must offer refunds for cancelled flights (not just credits)

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.