Search found 318 matches

by Monsterflockster
Mon Aug 03, 2020 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4212
Views: 296145

Re: Refinance Mega Thread

Last week Better Mortgage declined to beat an LE from Loan Depot 30yr 2.625% with A+B+C covered by the lender credit. This morning, after little bit of haggling, I have received an updated LE from the same lender 30yr 2.50% with A+B+C+$550 covered by the lender credit. Does it make any sense to sub...
by Monsterflockster
Sun Aug 02, 2020 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4212
Views: 296145

Re: Refinance Mega Thread

Below is my Current situation in trying to get my mortgage rate down. 1. My Current mortgage with Lender A is at 3.5% for 350K. 2. I am in talk with multiple lenders for financing & in advanced stage with Lender B, where underwriting in progress & very likely the closing is expected in 1 week or so...
by Monsterflockster
Sun Aug 02, 2020 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: 2.25% refi... low enough to not pay off?
Replies: 19
Views: 2042

Re: 2.25% refi... low enough to not pay off?

Looking for input or devil advocate advice. 51 with kids so we will be in this newly built house at least 12 years and probably many more. Great place, all we need, location is perfect. My lender contacted me and offered to drop my rate on a VA IRRL (interest rate reduction loan) from 3.25 to 2.25....
by Monsterflockster
Sat Aug 01, 2020 6:02 pm
Forum: Personal Investments
Topic: Wondering if wife can retire...
Replies: 8
Views: 1086

Re: Wondering if wife can retire...

Hello, I lost my job last year and have not been able to replace it. Planning to keep up the search but retired for now. Wondering if we've saved enough for my wife to retire with me. What info do I need to provide the forum to get some reasonable idea? Here are the basics: -I'm 60, she will be 59....
by Monsterflockster
Sat Aug 01, 2020 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4212
Views: 296145

Re: Refinance Mega Thread

I have locked in a 15-year refi with Better at 2.625%. As we move toward closing, they keep increasing my costs in Loan Estimate section G, "Initial Escrow Payment at Closing." They now want a full year of property tax payments and 9 months of homeowner's insurance payments up front, totaling $7,00...
by Monsterflockster
Fri Jul 31, 2020 3:25 pm
Forum: Personal Investments
Topic: Yet Another University of California retirement savings thread
Replies: 39
Views: 4476

Re: Yet Another University of California retirement savings thread

The UC 403(b) system is the holy grail of how the 403(b) can be a great plan. We in the public k12 districts in California are nowhere near the 403(b) perfection that the UC employees have enjoyed for decades. The K12 and higher education cultures are vastly different. You cannot imagine how terrib...
by Monsterflockster
Fri Jul 31, 2020 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Car Insurance - Liability or more?
Replies: 34
Views: 1325

Re: Car Insurance - Liability or more?

Bogleheads: where you see threads asking where to invest their millions while driving salvaged cars. Funny place. 🤣
by Monsterflockster
Fri Jul 31, 2020 10:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 7306
Views: 596447

Re: U.S. stocks continue to soar!

There is nothing in common between these tech giants and the 2000 bubble. Amazon had $88 billion in sales in 3 months. Apple made $11 billion in PROFITS in 3 months. I understand it's not Boglehead-like to hold individual companies, but I have no plans to sell my legacy shares (and take the massive...
by Monsterflockster
Fri Jul 31, 2020 10:12 am
Forum: Personal Investments
Topic: Yet Another University of California retirement savings thread
Replies: 39
Views: 4476

Re: Yet Another University of California retirement savings thread

Man... what happened? Your first post was iver a year ago. 😂
by Monsterflockster
Thu Jul 30, 2020 8:45 pm
Forum: Personal Investments
Topic: Is 25 too young for paid off house?!
Replies: 72
Views: 5122

Re: Is 25 too young for paid off house?!

Emergency Fund: 3 months of expenses. Debt: None House is Paid off (65K) Filing Status: married filing jointly Tax Rate: 12% Fedral 9% state State: Iowa Age: 25 wife 27 AA: 100/0 income 50K Right now we have roughly 82K invested between work Roth 401k and Roth's and HSA I will be investing 20K+ for...
by Monsterflockster
Wed Jul 29, 2020 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4212
Views: 296145

Re: Refinance Mega Thread

What is everyone's experience with https://www.loancabin.com/? Do they offer credits with a higher rates that make them no cost? The rates I see have around $4k in closing costs. Reached out to them a week ago and haven't heard a thing, so I've written them off. Yeah, I called & it said their voice...
by Monsterflockster
Wed Jul 29, 2020 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Are we crazy to buy a VHCOL house now?
Replies: 32
Views: 2980

Re: Are we crazy to buy a VHCOL house now?

Thanks for your thoughts, everyone. Renting is also an option, of course. It seemed like there was a better supply of houses we like for sale than to rent, but maybe we should look harder, especially given the uncertainty how long we would stay here and how things will shake out. Probably he has so...
by Monsterflockster
Wed Jul 29, 2020 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Are we crazy to buy a VHCOL house now?
Replies: 32
Views: 2980

Re: Are we crazy to buy a VHCOL house now?

As a bay area native you need more info here.. Are you looking in San Francisco? Woodside? Menlo? Berkley Hills? Sausalito? Location matters. How long of a commute are you willing to make? The bay area is a big place. Real Estate is a good investment here, but the higher the price the smaller your p...
by Monsterflockster
Tue Jul 28, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4212
Views: 296145

Re: Refinance Mega Thread

ddash wrote:
Tue Jul 28, 2020 8:44 pm
I got a Loan offer with LenderFi for 30 Yr Fixed at 2.75 with no fees. Loan amount 642K; Is this a good offer or should I continue to shop to find better offer than this? My Credit is >770 Thanks in advance for your help.
That is good. 👍🏻
by Monsterflockster
Tue Jul 28, 2020 10:12 am
Forum: Personal Consumer Issues
Topic: How do HD OTA Antennas work?
Replies: 60
Views: 5457

Re: How do HD OTA Antennas work?

I've been on the YouTube TV thread and didn't want to hijack w/ this question, so I started a new thread and have 3 general questions. If I were to cut YouTube TV, what is the easiest way to get HD local channels? Here's the caveat: I do not want an antenna on my roof, in my attic, or attached to t...
by Monsterflockster
Tue Jul 28, 2020 10:03 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3: Leasing the way to go?
Replies: 28
Views: 2526

Re: Tesla Model 3: Leasing the way to go?

We’ve had a model 3 for two yeRs now. Still love it. The tech makes other cars feel in the Stone Age. The luxury “feel” is much better in cars in that price range. Say a Lexus. Because of that you may want to lease and get a feel for the car. But is what another poster said is true about not being a...
by Monsterflockster
Fri Jul 24, 2020 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4212
Views: 296145

Re: Refinance Mega Thread

Closed with LenderFi today - 30-yr, 2.875% (~75% LTV) and all closing costs covered except pre-paids. Our original loan from last Jan was at 4.25% and we had refi'd in March to 3.375% (closing costs also covered). I'm a bit annoyed that I acted too fast this time, but also happy to be locked in for...
by Monsterflockster
Wed Jul 22, 2020 7:00 pm
Forum: Personal Investments
Topic: What is your game plan as market is reaching its previous all time high?
Replies: 135
Views: 12742

Re: What is your game plan as market is reaching its previous all time high?

For me, I'm going to do a rebalance, probably a little bit larger than normally planned, slightly before the market reaches the previous all time high. Background: 56, FI achieved, wants to maintain asset allocation between 70/30 and 60/40. What is your game plan? No changes. I got 20-25 years befo...
by Monsterflockster
Tue Jul 21, 2020 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help with my Mortgage Options
Replies: 1
Views: 182

Re: Please Help with my Mortgage Options

Check out the Mega Refinance thread. Your rates & points seem very high to what people are getting.

https://www.bogleheads.org/forum/viewt ... start=3000
by Monsterflockster
Sun Jul 19, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: Cut cable experience
Replies: 34
Views: 2653

Re: Cut cable experience

We are in a grandfathered ATT Now streaming plan that has all the channels + HBO for $45 per month. Our internet is $10 a month for fiber @ 50 mbs (thanks to a $40 “recurring credit” they gave us because they were no shows twice which I had to take time off work for). We can get 1 gig for $50 but I’...
by Monsterflockster
Sun Jul 19, 2020 12:48 am
Forum: Personal Consumer Issues
Topic: Anyone else love this new working from home thing?
Replies: 89
Views: 6290

Re: Anyone else love this new working from home thing?

It has been tough as a family of 5 with 3 younger kids with both parents working at home in a house that was only marginally big enough for pre-covid life. That said, other than the challenge of keeping the kids on task and occupied, I am finding I like WFH much more than I ever anticipated. I have...
by Monsterflockster
Tue Jul 14, 2020 8:18 am
Forum: Personal Consumer Issues
Topic: Getting rid of a bat!!!
Replies: 25
Views: 1514

Re: Getting rid of a bat!!!

My 86 year old aunt uses a tennis racket.

Good luck!
by Monsterflockster
Mon Jul 13, 2020 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4212
Views: 296145

Re: Refinance Mega Thread

I haven't read all 58 pages of posts in this thread, curious if there's a post - or something in the forum wiki - that explains what situations are attractive to refi providers to provide good deals, vs what's not. I'd reached out to a couple of refi providers whose sites provided me far worse #s t...
by Monsterflockster
Mon Jul 13, 2020 4:32 pm
Forum: Personal Consumer Issues
Topic: Paver installation cost
Replies: 27
Views: 2478

Re: Paver installation cost

Seems a little high but looks like you have a minimum-size job, maybe if you were doing more it would cost not much more pavers done right will cost more than just concrete you could probably find someone who will do a cheap (bad) job of pavers for less. This. You’re not getting any deals for small...
by Monsterflockster
Mon Jul 13, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: jumbo refi rates bay-area
Replies: 3
Views: 633

Re: jumbo refi rates bay-area

You will not do better than 2.5%. Did BofA buy the loan? Never seen rates from them that low.
by Monsterflockster
Mon Jul 13, 2020 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4212
Views: 296145

Re: Refinance Mega Thread

Hi all, So much good content on this thread and I'm a 1st time poster but I'm curious how everyone is getting these no cost refinances. Is my current financial situation not as strong as I think? Wife and I are 35yrs old. 220K income. 350K liquid assets(checking/savings/brokerage). 20K in combined ...
by Monsterflockster
Sun Jul 12, 2020 9:46 am
Forum: Personal Consumer Issues
Topic: TV antenna - do I need amplified
Replies: 13
Views: 793

Re: TV antenna - do I need amplified

I am "cutting the cord" and switching to antenna TV. I live in a medium sized city perhaps 15 miles or so from the TV transmission site, without any hills, mountains, etc. between me and the TV transmission site. I'm going to purchase an antenna soon. A regular antenna would probably be fine but I'...
by Monsterflockster
Sat Jul 11, 2020 11:25 pm
Forum: Personal Consumer Issues
Topic: [Tesla owners - opinions?]
Replies: 36
Views: 2945

Re: [Tesla owners - opinions?]

seersucker wrote:
Sat Jul 11, 2020 10:42 pm
I’m picking up a Y in a few weeks. No opinion yet but the product is promising.
The plastic wheel well covers are a deal breaker. Why is every car marker doing that now?
by Monsterflockster
Sat Jul 11, 2020 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4212
Views: 296145

Re: Refinance Mega Thread

Just wanted to say thank you to this thread for referring LenderFI. Getting ready to close with them soon and have had an excellent experience. Some notes on my refinance: Location: VA (NoVA) Loan Type: 15 year, high conforming (< 765K) Loan Rate: 2.5% If I had reduced my loan so it was conforming ...
by Monsterflockster
Sat Jul 11, 2020 1:00 pm
Forum: Personal Consumer Issues
Topic: [Tesla owners - opinions?]
Replies: 36
Views: 2945

Re: Tesla

Any owners here at BH's? What models and year? We will need a new car in 2 years and want an electric. I know a lot of things will change by then but just checking for opinions. Thanks Sam 2018 Model 3. You absolutely need the long range. Everything else is nice but not necessary. We got $10,500 in...
by Monsterflockster
Sat Jul 11, 2020 9:51 am
Forum: Personal Investments
Topic: Too much in savings?
Replies: 83
Views: 9573

Re: Too much in savings?

Background (my wife and I combined): Age: 38 Income: 550-600k No debt except home mortgage (175k on home worth 380k) We max out 401k's, backdoor Roth's. Put $600 monthly split into 2 children's 529 (purposely don't max out bc don't like the lack of flexibility associated w it). We have 1.1m in Ally...
by Monsterflockster
Fri Jul 10, 2020 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Does a Car Salesperson Make on a New Car Sale?
Replies: 102
Views: 11436

Re: How Much Does a Car Salesperson Make on a New Car Sale?

Am currently shopping for a new car; Forester, CRV Hybrid, Rav Hybrid and CX5 Turbo all at the premium level. Curious what the dealer typically makes per car and assume there's a split with the salesperson. In the SF Bay Area if that makes a difference. Thanks for your help! I know one guy who work...
by Monsterflockster
Fri Jul 10, 2020 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4212
Views: 296145

Re: Refinance Mega Thread

benualson wrote:
Fri Jul 10, 2020 8:57 am
Check your local banks or credit unions. My credit union today is quoting 30yr conventional at 2.5% 15yr at 2.0%. that is typically with 1% cost to originate/underwrite
What credit union and with what kind of points/fees?
by Monsterflockster
Thu Jul 09, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4212
Views: 296145

Re: Refinance Mega Thread

Can someone please advise?? Shopping around with local brokers as well as online companies. So far best deal I am getting is 2.75% on a 25yr or 30yr fixed and total of $1,500 out of pocket (without appraisal $420 that broker things I won't need). Obviously escrow (taxes) of about 2-4 months, but I ...
by Monsterflockster
Tue Jul 07, 2020 11:53 pm
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 13985

Re: YoutubeTV subscription now $64.99/month

For cable just do the 2 year swap. My name for 2, spouses name for 2...rinse repeat. Get all the specials this way. Just don't do it if your email addy is tied to the account. You will lose it when you cancel it. That’s what we do. Takes about an hour or 2 every 2 years. And I’m paying less than wh...
by Monsterflockster
Tue Jul 07, 2020 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 549
Views: 45785

Re: College in fall

I just read that Harvard is going online for the fall semester, it seems like the first domino to drop among the elite universities. My guess is the rest will follow suit in the next two weeks. I feel sorry for the kids that got off campus apartments thinking they would be going back to in person l...
by Monsterflockster
Mon Jul 06, 2020 9:43 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9553

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

My brother is a gambler. He claims he made $54000 today just on TSLA and I have no reason to doubt him. I should be happy for him but ugh! envy! although our mileage varies. I DO like the predictability the 3-fund portfolio has brought to our lives, although I am having a really hard time understan...
by Monsterflockster
Mon Jul 06, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance to 15 or 20 yr?
Replies: 7
Views: 614

Re: Refinance to 15 or 20 yr?

Check out the Mega Refinance thread. Your rates seem
High tbh.
viewtopic.php?t=289559
by Monsterflockster
Mon Jul 06, 2020 8:49 am
Forum: Personal Finance (Not Investing)
Topic: To Escrow or not to Escrow-That is the question?
Replies: 24
Views: 1610

Re: To Escrow or not to Escrow-That is the question?

Gray wrote:
Mon Jul 06, 2020 6:49 am
I like *not* having escrow so I can make sure the bills are paid on time.
Me as well. Going through the refinance they said no escrow is a higher interest rate... im assuming they get money on interest as it waits to get posted?
by Monsterflockster
Sun Jul 05, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: Verizon Wireless hassle!
Replies: 38
Views: 3671

Re: Verizon Wireless hassle!

You call their customer service and they credit your account. Then you put your bill on auto pay to get the discount you’ve likely been missing out on.
by Monsterflockster
Sun Jul 05, 2020 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Are we FINANCIALLY ready to buy our first house?
Replies: 11
Views: 1096

Re: Are we FINANCIALLY ready to buy our first house?

Home purchase price : $800k Down payment: 160k (from brokerage and saving/checking accounts, see below) Property tax: 2.3% The house we are considering was built in 2004. Solid finishes. Obviously it will go through the usual inspection to see if there is anything wrong with it and if some of the h...
by Monsterflockster
Sun Jul 05, 2020 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Starting Hourly Wage for a BSN Graduate
Replies: 11
Views: 828

Re: Starting Hourly Wage for a BSN Graduate

Congrats to the wife for getting the degree!
I am not in the medical profession so don’t have any insight for you but did want to say that for what nurses have to do, coupled with a degree, just my opinion but they deserve better pay.
by Monsterflockster
Sun Jul 05, 2020 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion / Private Letter Ruling
Replies: 38
Views: 3518

Re: Roth Conversion / Private Letter Ruling

OP, could 100k of that fall under a CARES act withdraw that you could put back?
by Monsterflockster
Sun Jul 05, 2020 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Based on neighborhood fireworks how is your local economy doing?
Replies: 55
Views: 4087

Based on neighborhood fireworks how is your local economy doing?

No official town parade or fireworks show but from what I saw around the neighborhood stocks will be up tomorrow.
:D
by Monsterflockster
Sat Jul 04, 2020 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Coronavirus Related Distribution to Rollover IRA - saving fees
Replies: 18
Views: 853

Re: 401k Coronavirus Related Distribution to Rollover IRA - saving fees

Can you just do a regular in-service rollover instead? Then you could move 99% of the account instead. I wish...The plan does not allow in-service rollovers. I checked twice and asked our plan administrator about six months ago. This is why the coronavirus related distribution is of interest. TonyC...
by Monsterflockster
Fri Jul 03, 2020 10:27 pm
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof - Any Installs? Consults?
Replies: 9
Views: 1214

Re: Tesla Solar Roof - Any Installs? Consults?

Tesla batteries seem way overpriced right now. Do you have net metering? Don’t see why a battery is needed with that large of a system. I’d cut out the batteries and save 23k.
by Monsterflockster
Fri Jul 03, 2020 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with all this MONEY ?
Replies: 201
Views: 20911

Re: What to do with all this MONEY ?

Sometimes this thought comes in my mind, I know a little strange . I & DW come from humble beginnings & after decades of hard work, living below our means, savings & favorable Wall Street investments we find ourselves with a net worth of $ 7.5 m. We are very fortunate & we never thought we would fi...
by Monsterflockster
Fri Jul 03, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Can Mortgage Rates Not Go Lower Than 2.25% Yet?
Replies: 3
Views: 1002

Re: Can Mortgage Rates Not Go Lower Than 2.25% Yet?

I've been using mtgprofessor.com to check out rates for a while now. I've noticed that as rates have gone lower, the lowest rate available on the rate tables shown on that site provided by the lenders has still not gone lower than 2.25% for 15 yr or 30 yr mortgages. The "rate closest to zero fees" ...
by Monsterflockster
Thu Jul 02, 2020 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4212
Views: 296145

Re: Refinance Mega Thread

soxpatsbos wrote:
Thu Jul 02, 2020 11:29 am
Monsterflockster wrote:
Thu Jul 02, 2020 10:52 am
Anyone seeing lower than 2.75 (no points) for a 30 year loan?
And where were you getting 2.75% from? I am also looking for a loan. Thanks!!
Some people have said they got that rate at LenderFI & Losn Depot. (Location, loan to value, dependent of course).
by Monsterflockster
Thu Jul 02, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: How do HD OTA Antennas work?
Replies: 60
Views: 5457

Re: How do HD OTA Antennas work?

I've been on the YouTube TV thread and didn't want to hijack w/ this question, so I started a new thread and have 3 general questions. If I were to cut YouTube TV, what is the easiest way to get HD local channels? Here's the caveat: I do not want an antenna on my roof, in my attic, or attached to t...