Search found 11 matches

by MapleSyrup
Wed Oct 28, 2020 10:29 pm
Forum: Personal Investments
Topic: Is this a wash sale?
Replies: 4
Views: 449

Is this a wash sale?

Let’s say I bought some VTI last week. If I sold those VTI shares and bought something else, say VOO, would that be a wash sale, since I sold VTI less than 30 days after purchasing it?

Or is it only a wash sale if I buy more VTI less than 30 days after selling VTI?

Thanks!
by MapleSyrup
Mon Jun 22, 2020 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9321
Views: 652597

Re: Refinance Mega Thread

Is there anything wrong with switching lenders after you have locked in with one??? No, but you may be on the hook for some fees like appraisal fee, rate lock fee, app fee. All should have already been collected though, so you would only be out what you’ve already spent. OK, I haven’t paid anything.
by MapleSyrup
Mon Jun 22, 2020 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9321
Views: 652597

Re: Refinance Mega Thread

Is there anything wrong with switching lenders after you have locked in with one???
by MapleSyrup
Wed Jun 17, 2020 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9321
Views: 652597

Re: Refinance Mega Thread

I have never refinanced before. Please anyone let me know if I am missing something! If I refinance at my current rate of 3.75, LenderFi shows a a $2,500 credit. At 3.625, they show a $1,600 credit. The monthly payment for 3.75 is only $14 more per month than the 3.625. I’m planning on selling the ...
by MapleSyrup
Wed Jun 17, 2020 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9321
Views: 652597

Re: Refinance Mega Thread

I have never refinanced before. Please anyone let me know if I am missing something! If I refinance at my current rate of 3.75, LenderFi shows a a $2,500 credit. At 3.625, they show a $1,600 credit. The monthly payment for 3.75 is only $14 more per month than the 3.625. I’m planning on selling the ...
by MapleSyrup
Wed Jun 17, 2020 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9321
Views: 652597

Re: Refinance Mega Thread

I have never refinanced before. Please anyone let me know if I am missing something! If I refinance at my current rate of 3.75, LenderFi shows a a $2,500 credit. At 3.625, they show a $1,600 credit. The monthly payment for 3.75 is only $14 more per month than the 3.625. I’m planning on selling the h...
by MapleSyrup
Mon Jun 15, 2020 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Merrill Edge and Preferred Rewards
Replies: 70
Views: 9458

Re: Merrill Edge and Preferred Rewards

If I already have a personal B of A checking account in my name only, can I open Merrill Edge joint account with my spouse and still link the accounts for the Preferred Rewards?
by MapleSyrup
Mon Jun 08, 2020 9:11 pm
Forum: Personal Investments
Topic: Investing in Extended Market fund
Replies: 13
Views: 1082

Re: Investing in Extended Market fund

So would most folks who desire a small or mid cap tilt use Small Cap Index and Mid Cap Index funds instead? I don't necessarily "tilt" but I do hold the Vanguard Mid-Cap Index (VIMAX) and the Vanguard Tax-Managed Small Cap Index (VTMSX) to help balance out my S&P 500 fund. Regards, Is...
by MapleSyrup
Mon Jun 08, 2020 2:46 pm
Forum: Personal Investments
Topic: Investing in Extended Market fund
Replies: 13
Views: 1082

Re: Investing in Extended Market fund

So would most folks who desire a small or mid cap tilt use Small Cap Index and Mid Cap Index funds instead? I don't necessarily "tilt" but I do hold the Vanguard Mid-Cap Index (VIMAX) and the Vanguard Tax-Managed Small Cap Index (VTMSX) to help balance out my S&P 500 fund. Regards, Th...
by MapleSyrup
Mon Jun 08, 2020 10:57 am
Forum: Personal Investments
Topic: Investing in Extended Market fund
Replies: 13
Views: 1082

Re: Investing in Extended Market fund

If one desires a small/mid cap tilt, what is wrong with using a Vanguard Extended Market Index Fund? Nothing super wrong with it, particularly in a 401k, though it is a bit of an odd move if you have other options. The primary issue is that while the S&P 500 is market cap weighted, its selectio...
by MapleSyrup
Sun Jun 07, 2020 5:56 pm
Forum: Personal Investments
Topic: Investing in Extended Market fund
Replies: 13
Views: 1082

Investing in Extended Market fund

If one desires a small/mid cap tilt, what is wrong with using a Vanguard Extended Market Index Fund?