Search found 200 matches

by jco
Mon Oct 26, 2020 10:56 am
Forum: Personal Consumer Issues
Topic: Spray Foam
Replies: 21
Views: 1810

Re: Spray Foam

Many have suggested steel wool. If you're worried about moisture, make sure you get STAINLESS steel wool. It costs more, but it may be worth the piece of mind since crawling around an attic is pretty awful.
by jco
Mon Oct 26, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: Torx Screw Ratchet Set
Replies: 56
Views: 2498

Re: Torx Screw Ratchet Set

I used this one (attached to my cordless drill) to do some repairs on a Shark vacuum: https://www.amazon.com/gp/product/B01MFGRZIA/
by jco
Mon Oct 12, 2020 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

It looks like I'm going to get charged two or three days of extra interested because of screw ups by the title company. I'm wondering who I should I ask for a refund (presumably the title company). This isn't going to be as bad as you think. Agree it sucks to be charged 2-3 days extra interest on t...
by jco
Mon Oct 12, 2020 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

It looks like I'm going to get charged two or three days of extra interested because of screw ups by the title company. I'm wondering who I should I ask for a refund (presumably the title company). This isn't going to be as bad as you think. Agree it sucks to be charged 2-3 days extra interest on t...
by jco
Mon Oct 12, 2020 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

"Radian’s consumer channel of business is temporarily suspended. Currently, we are only accepting orders from lenders that we have an active account with. Unfortunately, we do not have an active account or relationship with Amerisave Mortgage so we are unable to provide a quote at this time. I apol...
by jco
Sun Oct 11, 2020 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

It looks like I'm going to get charged two or three days of extra interested because of screw ups by the title company. I'm wondering who I should I ask for a refund (presumably the title company). Does anyone have recommendations about how to approach the title company (presumably) for getting a r...
by jco
Sun Oct 11, 2020 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

It looks like I'm going to get charged two or three days of extra interested because of screw ups by the title company. I'm wondering who I should I ask for a refund (presumably the title company). I was supposed to fund on 10/7, but there was a problem with the title paper work. I only learned abou...
by jco
Tue Oct 06, 2020 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

Signed closing papers through Better on Friday 10/2. The loan should fund tomorrow. Thinking of trying to call Interactive Mortgage to see if I can squeeze in one more refinance before the end of the year, if I can get a better rate for a no-cost refi (I'm skeptical). Should I be calling them today,...
by jco
Mon Oct 05, 2020 7:33 pm
Forum: Personal Consumer Issues
Topic: Putting Sidewalks in a neighborhood
Replies: 23
Views: 2422

Re: Putting Sidewalks in a neighborhood

If the neighborhood is unincorporated, it may not be a city issue, but a county issue instead.
by jco
Sat Sep 26, 2020 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

Marinermoose241 wrote: Sat Sep 26, 2020 7:05 pm Going through my first refinance. Anyone hire a lawyer to read over the closing documents with you? Or are most reading them the day before by yourself/partner?
I suspect that few people read them thoroughly.
by jco
Thu Sep 24, 2020 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

In reading further about the issue, I read that you shouldn't close on Friday because some things have to be recorded at a physical location (like at a court house) and if that doesn't happen on closing day, then it will happen the next business day. If the next business day is a Monday, that could...
by jco
Thu Sep 24, 2020 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

Is there a "best" day of the week to close the loan? Or perhaps more specifically, a best day of the week for the loan to fund? I think I read that you don't want the loan to fund on a Monday because you get charged interest by both lenders over the weekend? I expect to schedule closing soon, so I ...
by jco
Mon Sep 21, 2020 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

Does anyone have any experience about how long it takes Better.com to move to closing once the Title Report is wrapped up? I haven't been asked for anything in about a week. Under what they're working on it says, "Your report is all wrapped up. We've signed off on everything and you're all set!" Th...
by jco
Mon Sep 21, 2020 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

Does anyone have any experience about how long it takes Better.com to move to closing once the Title Report is wrapped up? I haven't been asked for anything in about a week. Under what they're working on it says, "Your report is all wrapped up. We've signed off on everything and you're all set!" Thi...
by jco
Sat Sep 19, 2020 9:14 am
Forum: Personal Investments
Topic: When to transition out of a working tilt?
Replies: 7
Views: 1018

Re: When to transition out of a working tilt?

You might consider a step down 10% at a time, but that will depend on whether this tilt is in taxable or taxfree like Roth/401k so you can manage tax hits. If you're changing as part of your IPO, pick a plan and stick with it. Your AA will change just by nature of not investing large amounts going ...
by jco
Fri Sep 18, 2020 5:06 pm
Forum: Personal Investments
Topic: When to transition out of a working tilt?
Replies: 7
Views: 1018

When to transition out of a working tilt?

I'm curious when others have chosen to abandon a tilt that has been working well? My currently portfolio is roughly 10% Total International, 30% Large growth, and 60% U.S. Total Market. I had the dumb fortune to invest heavily in large cap growth immediately after the 2009 Financial Crisis when I fi...
by jco
Fri Sep 18, 2020 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

Is there a "best" day of the week to close the loan? Or perhaps more specifically, a best day of the week for the loan to fund? I think I read that you don't want the loan to fund on a Monday because you get charged interest by both lenders over the weekend? I expect to schedule closing soon, so I w...
by jco
Thu Sep 17, 2020 12:59 pm
Forum: Investing - Theory, News & General
Topic: VTI vs VOO vs VV tax impact?
Replies: 20
Views: 1640

Re: VTI vs VOO vs VV tax impact?

Say I had a $100,000 in each fund. What would the annual tax difference be, roughly? Assume each ETF pays 2% dividends annually, for simplicity. Might be more like 1.8%, and it will be slightly different for each ETF, but this is just a rough estimate. Then each ETF pays $2,000 in dividends. Using ...
by jco
Thu Sep 17, 2020 9:24 am
Forum: Personal Consumer Issues
Topic: Utilizing a bank security freeze?
Replies: 20
Views: 985

Re: Utilizing a bank security freeze?

I was the victim of identity theft a couple of years ago. Thankfully, nothing too serious. Just a couple of random credit cards opened. But I now keep all 4 credit unions: Experian, Equifax, Transunion, and Innovis, locked except when I'm specifically applying for new credit. I also keep the ChexSys...
by jco
Wed Sep 16, 2020 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

I did a refi with Better in march and my experience was awful. That would explain it then! What was negative about your experience? I'm literally working through a refi with them right now. Everything has been pretty straightforward. Their online system is really slick. They had a few questions abo...
by jco
Wed Sep 16, 2020 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

Applied with Better, Lenderfi and Watermark. Watermark had the better offer and I sent the LE to Better and Better just offered to beat it by a lousy $100.I haven't heard from lenderfi. I'm not sure why that's lousy. Better is closing loans pretty quickly and Watermark is taking obscene amounts of ...
by jco
Wed Sep 16, 2020 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

According to Mortgage News Daily, 30-year rates went up by .15% yesterday, on average. http://www.mortgagenewsdaily.com/mortgage_rates/daily.aspx The ReFi gravy train may be coming to an end, at least for now, because of the 0.5% adverse market fee being imposed by Fannie Mae. If you still have the ...
by jco
Wed Sep 16, 2020 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

What an awesome refi thread! I'm still confused though :(. We're those people that nearly double our monthly mortgage payment with the goal of paying the house off ASAP. We understand the opportunity cost, but the satisfaction of not having a mortgage is so enticing (we also save a significant port...
by jco
Tue Sep 15, 2020 7:40 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 14022

Re: Is this guy trying to scam me on a car I'm selling?

Are you willing to lose $13,000? If not, then walk away. This is a scam.

Tell him you'll only accept cash. And you want to meet at your bank to double check for forgeries. They will suddenly not be interested.
by jco
Tue Sep 15, 2020 6:59 pm
Forum: Investing - Theory, News & General
Topic: VTI vs VOO vs VV tax impact?
Replies: 20
Views: 1640

VTI vs VOO vs VV tax impact?

I'm considering starting my first taxable account (at Fidelity). Probably only a few thousand dollars or so as part of our Emergency Fund. I understand that one should take more care with purchases in a taxable account because you can't move out of positions without tax consequences. Naturally, as a...
by jco
Tue Sep 15, 2020 12:09 pm
Forum: Personal Investments
Topic: FNILX (Fidelity ZERO Large Cap Index Fund) vs FXAIX (Fidelity 500 Index Fund)?
Replies: 15
Views: 11240

Re: FNILX (Fidelity ZERO Large Cap Index Fund) vs FXAIX (Fidelity 500 Index Fund)?

Use the zero fund, there is no reason not to. Some people just want to make up excuses not to use them. +1. It shouldn't make a difference. We started a Roth IRA for my wife earlier this year. As a test, I split half the money between FSKAX and FZROX (the total market equivalents of the ones you ta...
by jco
Mon Sep 14, 2020 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

So here's my quote from better.com This is better than I got from them AFTER sending another LE for 2.625% no cost. They sent back 2.75% with 2 points lol. 600k, 60% LTV, credit score 780. Haha better did that to me too. LE has to be offical and dated. No draft or estimate. I got Better to beat a C...
by jco
Sat Sep 12, 2020 9:15 pm
Forum: Personal Consumer Issues
Topic: Replacing a 20-year-old central air conditioning
Replies: 66
Views: 6039

Re: Replacing a 20-year-old central air conditioning

For most people, do you recommend a single-stage A/C combined with a two-speed or variable speed furnace? I think that was what I was settling on when we considered replacing our A/C and furnace in Colorado. It seems like you get something similar to the benefits of a variable-speed A/C at a much m...
by jco
Thu Sep 10, 2020 10:08 am
Forum: Personal Consumer Issues
Topic: Replacing a 20-year-old central air conditioning
Replies: 66
Views: 6039

Re: Replacing a 20-year-old central air conditioning

To further elaborate on the above, if your furnace has a dehumidification option and you have the right thermostat that can control it and it is all set up correctly, the thermostat can slow down the ECM blower fan motor to about 85% of its normal output (you can't slow it down too much, as insuffi...
by jco
Sun Sep 06, 2020 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: What is PenFed good at?
Replies: 77
Views: 5671

Re: What is PenFed good at?

wander wrote: Sun Sep 06, 2020 7:35 pm I use Penfed cash rewards visa so you can enjoy waiting at Costco gas stations.
Actually, the Costco Visa is 4% on gas worldwide, not only at Costco gas stations. Still not quite as good as the PenFed's card 5 points/5%, but close.
by jco
Sun Sep 06, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: Home Appliance Warranty - any recommendations?
Replies: 20
Views: 1101

Re: Home Appliance Warranty - any recommendations?

Warranty for how long? Costco has a great warranty program for appliances if you pay for it with their Costco Visa. At least 4 years total.
by jco
Sat Sep 05, 2020 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: What is PenFed good at?
Replies: 77
Views: 5671

Re: What is PenFed good at?

I got the 5% cashback card for gas (which is now 5 points per dollar spent, so not quite as good). When did that happen? My wife has the 5% gasoline cash rewards card, and she still gets an automatic statement credit each month for 5% of the value of gasoline charged that month. --vtMaps Two differ...
by jco
Sat Sep 05, 2020 9:57 am
Forum: Personal Finance (Not Investing)
Topic: What is PenFed good at?
Replies: 77
Views: 5671

What is PenFed good at?

I've had a PenFed savings account and credit card for a long time (pre-2010, I think). I'm thinking about closing all the accounts to simply life a bit, and I'm wondering if there's some strong benefit I'm missing that should change my mind. I got the 5% cashback card for gas (which is now 5 points ...
by jco
Sat Sep 05, 2020 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

Has anyone who used Better.com for a refi been able to close in 3-4 weeks from applying and signing an intent to proceed? Did you have any hassle if you chose your own title company? We just refinanced with NBKC this summer and we're looking at refinancing again. Better.com shows possible closing d...
by jco
Sat Sep 05, 2020 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

Has anyone who used Better.com for a refi been able to close in 3-4 weeks from applying and signing an intent to proceed? Did you have any hassle if you chose your own title company? We just refinanced with NBKC this summer and we're looking at refinancing again. Better.com shows possible closing d...
by jco
Fri Sep 04, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

For those who have closed quickly with Better.com recently, any tips on ensuring that your loan closes quickly? I've been doing the obvious: - I've been completing the "tasks" as soon as they appear. - I chose my title company 2 days after locking. I'd like to close quickly, if possible, on the off ...
by jco
Wed Sep 02, 2020 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

Radian title is not taking inquiries from consumers. How are you getting quotes for title insurance from them? On the phone, I was told I could go to radian.com, but that seems to be for lenders. Also, they may not be licensed in my state (Colorado) from their website, but they couldn't confirm tha...
by jco
Wed Sep 02, 2020 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

Radian title is not taking inquiries from consumers. How are you getting quotes for title insurance from them? On the phone, I was told I could go to radian.com, but that seems to be for lenders. Also, they may not be licensed in my state (Colorado) from their website, but they couldn't confirm that...
by jco
Wed Sep 02, 2020 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

fluxcap111955 wrote: Wed Sep 02, 2020 8:51 am - Any alternatives to Radian Title? I know I can do better than LoanDepot's default title and I used Radian in December. However, Radian mentioned they are not doing loans with LoanDepot due to covid -- very strange.
Does anyone here know if Radian Title works with better.com?
by jco
Tue Sep 01, 2020 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

Out of curiosity I emailed Lenderfi to ask if they would do a rate-and-term refi a month after I close my cash out refi and the reply was "Doing that would screw over your current lender". ... does anyone have more details on this? how badly does the lender get screwed if you refi again within 6 mo...
by jco
Tue Sep 01, 2020 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

Otherwise, the best offer I have is a no cost 30-year at 3% with no appraisal. Since Better.com (who is currently uncompetitive) will consider matching an LE no more than 1 day old, I'm thinking I wait through tomorrow to see who else I hear from. Depending on what the best offer is, contact Better...
by jco
Tue Sep 01, 2020 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

A quick success story and a final question at the end: I'm trying to refinance about $270,000 for a house worth about $470,000. Credit score close to 800, steady job, etc. The best I could get was a no-cost offer at 2.875% that netted me about $440. The interesting thing about this offer is that the...
by jco
Mon Aug 31, 2020 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

I currently have $270,000 left on a 3.375% 30-year mortgage that I refinanced in March. My loan-to-value ration is about 57%. I started the refinance process over the weekend and have started to get some quotes. I'm not getting the incredible rates that others are, but still a nice improvement, and ...
by jco
Sat Aug 29, 2020 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

How do you determine what amount to request in your refinance? (Assuming you simply want to pay off your old loan and not do a cash-out refi). I hope to start shopping this next week for rates. It seems likely I'd close sometime near the end of September or early October. The October 1st payoff amou...
by jco
Fri Aug 28, 2020 7:02 am
Forum: Personal Consumer Issues
Topic: Adding a UV light to my HVAC supply plenum
Replies: 24
Views: 1986

Re: Adding a UV light to my HVAC supply plenum

For the unintiated, what's the purpose of the light? What are the benenfits?
by jco
Thu Aug 27, 2020 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7613
Views: 523482

Re: Refinance Mega Thread

I'm wondering how long it's taking you all to get your rate locks once you apply? I'd like to lock a new rate in about 2 weeks (I couldn't refinance for a certain period of time based on a previous refinance) and I'm wondering how far before that I should apply.
by jco
Wed Aug 26, 2020 11:44 am
Forum: Personal Consumer Issues
Topic: Effective Brands of Melatonin
Replies: 15
Views: 1381

Re: Effective Brands of Melatonin

Try the cheapest brand and package you can find before you waste your money on the expensive stuff. I second this. That said, we've been using Now brand effectively for many years. Between $6-8 for 180 tablets. We like the chewable kind. I can easily take only a 1/4 of a pill and it will help me fa...
by jco
Tue Aug 25, 2020 10:28 pm
Forum: Personal Consumer Issues
Topic: Wifi speaker for streaming music.
Replies: 58
Views: 3795

Re: Wifi speaker for streaming music.

And from my quick look at the Anker Sound Core speakers, I’m concluding they wouldn’t hold a candle to Sonos in sound quality. Anker sound quality is probably worse than Sonos. It's a $40 speaker vs $200. But since the OP didn't mention the need for really high audio quality, and since they've neve...
by jco
Tue Aug 25, 2020 8:13 pm
Forum: Personal Consumer Issues
Topic: Wifi speaker for streaming music.
Replies: 58
Views: 3795

Re: Wifi speaker for streaming music.

I'm shocked to see Sonos recommended so frequently. They're expensive, highly proprietary, and will end of life their product. https://www.cnn.com/2020/01/24/cnn-underscored/sonos-legacy-speakers-guide/index.html I'm not sure what audio quality you require, but the Anker Sound Core had been my favor...
by jco
Tue Aug 25, 2020 6:10 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11835

Re: PSA: switch to LED light bulbs and save hundreds per year

I have a bathroom fixture that used to eat LED's. In my case the 6 bulbs were upside down. In other words, the screw-in base was up, the light emitting part down. LED's don't make much heat but they do make some. The heat rose and cooked the electronics inside the bulb. These were the LED's sold at...