Search found 979 matches

by exigent
Fri Nov 27, 2020 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Consolidating Assets at Fidelity. Question for others who have done this too.
Replies: 8
Views: 1085

Re: Consolidating Assets at Fidelity. Question for others who have done this too.

Similar question, but for a mix of covered and uncovered lots... This would be transferring from Vanguard brokerage to consolidate at Fidelity. Yes, I've done some sales using specID of uncovered lots, though that doesn't get tracked on the Vanguard side. I have purchase dates and cost basis info fo...
by exigent
Thu Nov 26, 2020 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Divorces
Replies: 35
Views: 3496

Re: Divorces

Marry well and you won’t have to worry about divorce.
by exigent
Wed Nov 25, 2020 6:29 pm
Forum: Personal Investments
Topic: converting taxable into pre-tax retirement
Replies: 29
Views: 1536

Re: converting taxable into pre-tax retirement

We’re doing a soft-core version of Option #2. Funding 401(a) at required level, plus maxing 403(b) and 457(b), and I was previously funding a solo 401(k) with income from a side hustle. Our income is large enough that this doesn’t completely tap us out, but the end result is that we are effectively ...
by exigent
Wed Nov 25, 2020 6:13 pm
Forum: Personal Consumer Issues
Topic: Car will fit in garage with one inch to spare - thoughts?
Replies: 111
Views: 8757

Re: Car will fit in garage with one inch to spare - thoughts?

Park in the driveway or street and turn the garage into a gym. I say this no matter which car you own. Unless you have a basement with sufficient headroom for gym equipment. If that’s the case, then get a vehicle that will actually fit in your garage and put the gym in your basement.
by exigent
Tue Nov 24, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

The offer I'm seeing at the link above, and on the link from my AT&T account, is $700 credit, not $800. Did they lower it? As noted a bit earlier in this thread, they dropped it to match the cost of the base iPhone 12 Mini after that was released a couple weeks after the 12 and 12 Pro were rele...
by exigent
Sun Nov 22, 2020 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Better Mortgage refi question
Replies: 20
Views: 2862

Re: Better Mortgage refi question

From the sound of things in this thread, most/all of Better's mortgages go to The Money Source, at least initially. That's what happened to ours, as well. For those of you who used Better and had your mortgage transferred to The Money Source, did they keep it or re-sell it? If the latter, how quickl...
by exigent
Sat Nov 21, 2020 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Better Mortgage
Replies: 39
Views: 6132

Re: Experience with Better Mortgage

Got our welcome email from The Money Source (who will be servicing the loan, at least initially) last night so I was able to login to the new loan interface. Oh, and Better also refunded the $550 appraisal fee to my credit card since they were able to get the appraisal waved.
by exigent
Fri Nov 20, 2020 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to refinance?
Replies: 9
Views: 983

Re: Does it make sense to refinance?

There is very little downside to this. I would look seriously at the cash-out option to kill off the higher-interest rental. 2.875 is decent, but I’d think you could do better if you shopped around a bit more. Have you tried various online lenders (if available in your area)? LenderFi, Loan Cabin, B...
by exigent
Thu Nov 19, 2020 10:25 am
Forum: Personal Finance (Not Investing)
Topic: About to commit the ultimate sin; paying PMI...
Replies: 36
Views: 4025

Re: About to commit the ultimate sin; paying PMI...

... once i replenish my emergency fund i plan to make lump sum payments to get to the 20% ASAP. This may not work out as you anticipate - lenders / servicers *hate* to give up PMI... Agreed. We’ve never paid PMI, but I”ve heard horror stories about getting it removed. The closest we came was doing ...
by exigent
Thu Nov 19, 2020 10:21 am
Forum: Personal Finance (Not Investing)
Topic: About to commit the ultimate sin; paying PMI...
Replies: 36
Views: 4025

Re: About to commit the ultimate sin; paying PMI...

I think 2.25% on a 30-year fixed is extremely low. There's another thread discussing relationship discounts; you can generally get into this range using a ~$1M relationship discount. I just closed on a 30-year fixed at 2.375% with 0.5 points; that was achieved using a $750k relationship discount. M...
by exigent
Wed Nov 18, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

Yeah, this is part of why I traded it in at the store -- it wasn't entirely clear to me what that included shipping label was for... As it turns out, it's for returns, and they will send you a trade-in "kit" separately. But doing the trade at the store avoided any potential misunderstanding.
by exigent
Tue Nov 17, 2020 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Better Mortgage
Replies: 39
Views: 6132

Re: Experience with Better Mortgage

And... Our loan funded today. It’s been handed off to The Money Source for servicing, though I fully expect it to be sold in the relatively near future. Overall, I was *very* impressed with the service provided by Better. As noted previously, this was easily the best mortgage experience we’ve ever h...
by exigent
Mon Nov 16, 2020 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage or not
Replies: 52
Views: 4648

Re: Pay off mortgage or not

A lot of the people bragging about refi’s at low rates have BIG balances on their homes. The mortgage companies view them as cash cows to bleed over the next 30 years and discount their rates to lock them in. The total interest cost over the lifetime if the loan is into the 6 figures. Source: I hav...
by exigent
Sun Nov 15, 2020 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage or not
Replies: 52
Views: 4648

Re: Pay off mortgage or not

One word of caution on the suggestion of refi is refi isn't free. If you have enough cash to pay it off, with no intention of investing elsewhere, then you should just pay it off without even refinancing. In the current rate environment, and given OP’s existing rate, a no-cost refi to a substantial...
by exigent
Sun Nov 15, 2020 9:22 pm
Forum: Investing - Theory, News & General
Topic: You’ve won the game, now what? 45-55 how to allocate assets?
Replies: 98
Views: 9239

Re: You’ve won the game, now what? 45-55 how to allocate assets?

We won the game about 10 yrs ago, right around age 40. Currently in the middle of your stated age range. Went 60/40 shortly thereafter and never even really think about it. Could’ve done better with a more aggressive stance, but... Have slept well and, like I said, we never even really think about i...
by exigent
Sun Nov 15, 2020 7:25 pm
Forum: Personal Investments
Topic: Transfer HSA from Optum to Fidelity
Replies: 7
Views: 564

Re: Transfer HSA from Optum to Fidelity

We’re doing the same thing. I opened the Fidelity HSA, took a distribution from Optum, and then sent to Fidelity. Indicated on the contribution form that it’s a rollover. We’ve done this a couple of times now (limit of once every 12 months for indirect rollover) and I don’t recall needing to do anyt...
by exigent
Sun Nov 15, 2020 11:56 am
Forum: Personal Consumer Issues
Topic: Nine Volt Batteries
Replies: 61
Views: 4045

Re: Nine Volt Batteries

Saw this little 9V flashlight-attachment gadget and it reminded of this thread:

https://www.amazon.com/dp/B0184G6PIC/

It’s a little LED thing that attaches directly to the top of a 9-volt battery to turn it into a small flashlight. Kinda cool.
by exigent
Fri Nov 13, 2020 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Questions
Replies: 5
Views: 480

Re: Refinance Questions

If you don’t want to add the time to the mortgage, it’s straightforward to calculate the small additional payment required to pay it in 27 years. You’re coming from 4% and should be able to find a no-cost refi for less then 3% with a bit of shopping — we just closed at 2.625% for 30 yrs yesterday an...
by exigent
Thu Nov 12, 2020 8:16 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

retire14 wrote: Thu Nov 12, 2020 5:07 pm I have 3 lines in my account. Can I upgrade up to 3 phones?
Yes, you can actually do as many as five if you want. It’s in the fine print. But be aware that the max trade value has decreased from $800 to $700 with the release of the iPhone 12 Mini.
by exigent
Thu Nov 12, 2020 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Better Mortgage
Replies: 39
Views: 6132

Re: Experience with Better Mortgage

Just had our closing. Appointment was coordinated by Better, they used a local title company and an attorney came out to our house for the signing at the appointed time. Everything went as expected. In three days, after the rescission period passes, the new loan will be funded and the old one will b...
by exigent
Wed Nov 11, 2020 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: What recourse do I have when a gym bills me after cancellation?
Replies: 26
Views: 2829

Re: What recourse do I have when a gym bills me after cancellation?

So thankful to have a home gym. My basement has never sent me a bill or threatening letter, and it never makes robocalls. :happy
by exigent
Tue Nov 10, 2020 7:33 pm
Forum: Personal Consumer Issues
Topic: Best place to purchased LED lightbulbs (not Amazon) and solid manufacturers?
Replies: 19
Views: 1743

Re: Best place to purchased LED lightbulbs (not Amazon) and solid manufacturers?

anon_investor wrote: Tue Nov 10, 2020 5:37 pm I bought a bunch of EcoSmart LED bulbs from Home Depot 3 years ago and have not had any issues.
Agreed. EcoSmart from Home Depot are my go-to.
by exigent
Mon Nov 09, 2020 10:34 pm
Forum: Personal Consumer Issues
Topic: "Quality" LED bulbs
Replies: 36
Views: 2202

Re: "Quality" LED bulbs

We started using EcoSmart from HD after I talked to the guy a guy working that aisle that said that he and others he works with use EcoSmart in their own houses. We started out using Cree bulbs at first but if lots of failures waaay too soon. No complaints with EcoSmart, really like them.
by exigent
Mon Nov 09, 2020 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Better Mortgage
Replies: 39
Views: 6132

Re: Experience with Better Mortgage

Just a quick update. We initiated the process with Better on Oct 13th and are now scheduled to close the afternoon of Nov 12th (this coming Thursday). Overall, the process has been painless and they have been great to work with. We’re doing a 30 yr fixed at 2.625% with essentially no closing costs. ...
by exigent
Sat Nov 07, 2020 6:22 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

Thanks for the post. I had problems with the web site so I went to the store. He said to get the deal I had to do it online. My problem was that no local stores carry the iPhone 12 so I was led on a circuitous route. Bottom line [I think} is: I traded in my XR and will pay $30 [activation], $76 [in...
by exigent
Fri Nov 06, 2020 3:54 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

kayakprof wrote: Thu Nov 05, 2020 4:08 pm I'm a professor. I've never heard of this 25% discount that was mentioned. Is that for real? Are there any tricks?
Click the link for details. Yes, it's real. They applied the discount for us in the store.
by exigent
Tue Nov 03, 2020 3:58 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

I'm not sure I follow your logic. Mint Mobile prices range from $15/month for 3Gb to $30/month for unlimited. I pay $30/month for unlimited from AT&T (incl. discounts), plus I got the $800 trade-in credit. Also worth noting that (I think) Mint throttles over 35Gb and caps their hotspot at 5Gb o...
by exigent
Tue Nov 03, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

Beyond that... As I noted in my OP, the point of this post isn't to debate the merits of a particular service provider (or phone brand), but rather to say that if you use an iPhone on AT&T and are happy with it, this is a good deal. Fair point. If you value the ATT brand name, it is a no braine...
by exigent
Tue Nov 03, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

By my count, you would spend just about the entire rebate away during the contract term using ATT over a low cost MVNO via increased plan cost. Not sure why people wouldn’t just go with MVNO, keep the phone for 3 years, and come out ahead? Heck some of the MVNOs have rebates/credits now too. It is ...
by exigent
Tue Nov 03, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

Thanks for the tip! If I buy a phone on eBay then how would this apply (copied from the offer details page)... Phone number entered on the trade-in should match the phone number of device purchased. If different number is entered it could impact promotion eligibility The phone number is on the SIM ...
by exigent
Tue Nov 03, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

I feel like I am missing something here. When I go to the site (https://tradein.att.com/) and enter the details of the phone for trade-in (iPhone 8+, 256GB), it tells me on screen that I will get $155, not $800. What am I doing wrong? Thanks. Read the fine print right above the "Start Now"...
by exigent
Tue Nov 03, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

onourway wrote: Tue Nov 03, 2020 8:26 am That said - the value proposition here is for people with much older phones.
Yup. Or buy and flip an older phone and sell the newer one yourself.
by exigent
Tue Nov 03, 2020 8:06 am
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

Unlike most previous offers, this is available for existing customers as long as you are on an eligible unlimited plan. I know this because I have actually done it. From the second link: “Both new and existing customers get our best smartphone deals.” Yeah, they still have that “upgrade a line” lan...
by exigent
Mon Nov 02, 2020 10:38 pm
Forum: Personal Consumer Issues
Topic: HMO or PPO?
Replies: 9
Views: 643

Re: HMO or PPO?

As a general rule, PPO provides flexibility and choice. HMO is cheaper at the expense of flexibility and choice.

^Absent other details, that’s the breakdown.
by exigent
Mon Nov 02, 2020 7:02 pm
Forum: Personal Consumer Issues
Topic: Nine Volt Batteries
Replies: 61
Views: 4045

Re: Nine Volt Batteries

Just hold them to your tongue until they’re fully discharged.
by exigent
Mon Nov 02, 2020 9:44 am
Forum: Personal Consumer Issues
Topic: Heat - What do you set your temps to in Winter?
Replies: 136
Views: 8264

Re: Heat - What do you set your temps to in Winter?

Doesn't it make your bill higher having it set so different day/night? It depends on how long it has to run to catch up. If you drop the heat overnight and the system spends less time running to warm it back up in the morning then it would’ve run maintaining the temp overnight, then you come out ah...
by exigent
Mon Nov 02, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

Do you have a significant discount because of an employer relationship or something? Or have their plans really dropped that much in the last couple of years? Kind of both. Their plans have actually gotten better over the years, and our current plan has no base cost, we just pay per line. And since...
by exigent
Mon Nov 02, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

My bf was concerned about buying a phone off eBay or Craigslist since it might be stolen. We asked about this when we were in ATT a couple days ago, and we were told that stolen phones are blacklisted and won’t be accepted for trade-in. He said the best way to purchase a phone from Craigslist is to...
by exigent
Sun Nov 01, 2020 10:07 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

Thanks for the tip! In my case the unlimited plan saved me $24/month over my existing plan! :oops: So I went ahead and switched it! The 12 mini is looking pretty good to me (replacing an IPhone 8). Only issue is, I own the current phone and have it unlocked. I suspect this will lock it back up whic...
by exigent
Sun Nov 01, 2020 10:04 pm
Forum: Personal Consumer Issues
Topic: Heat - What do you set your temps to in Winter?
Replies: 136
Views: 8264

Re: Heat - What do you set your temps to in Winter?

Just clicked over to heat for the first time this year. We have it set to 69 in the winter and we don’t change it for day vs. night.
by exigent
Sun Nov 01, 2020 9:53 pm
Forum: Personal Consumer Issues
Topic: Sorority forcing signing updated live-in agreement
Replies: 21
Views: 3014

Re: Sorority forcing signing updated live-in agreement

Hello, I have a daughter attending a state university in Kansas while living in a sorority. Due to likely the sorority's poor money management, she's being forced to sign a live-in agreement for all of the 2020-2021 school year (her senior year) and being given only a week to sign the agreement (on...
by exigent
Sun Nov 01, 2020 9:34 pm
Forum: Personal Consumer Issues
Topic: Suburb Ascent vs Highlander vs Kia Telluride....
Replies: 31
Views: 2721

Re: Suburb Ascent vs Highlander vs Kia Telluride....

We’ve had repeated door lock failures on our 3rd gen Highlander. Literally more lock failures than we have doors (i.e., some have failed multiple times). Maybe we were just unlucky, but... Wow. And once the warranty expires, the replacements are *very* expensive.
by exigent
Sun Nov 01, 2020 8:51 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

I believe this deal requires that you be on or sign up for one of their unlimited plans which are considerably more expensive than the plan we are on now - like $30/month more expensive. If you are on one of their cheapest plans, it’s likely you don’t qualify. Yes, as I noted above, it requires a q...
by exigent
Sun Nov 01, 2020 7:39 pm
Forum: Personal Investments
Topic: twitter 20% drop
Replies: 55
Views: 5995

Re: twitter 20% drop

k1982 wrote: Fri Oct 30, 2020 12:05 pm How do you stop yourself?
I just don’t pay attention. It’s not always (or even usually) a conscious choice. I just have a lot of other distractions, and the lack of temptation is just an added benefit.
by exigent
Sun Nov 01, 2020 7:20 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

If native T-Mobile coverage works for you (which unless you live in a really rural area, or a place where T-Mobile chooses not to have coverage like Nebraska or most of Maine), I still think Mint Mobile makes the most sense if you’re okay paying upfront vs paying monthly. Yeah, I’m not saying this ...
by exigent
Sun Nov 01, 2020 7:05 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

Do you need to commit to a contract? For example, after 6 months can you switch the service to another provider? No, there’s not a contract, but it does require a commitment to using their service if you want the full benefit of the trade-in. You can switch providers whenever you want, but you fore...
by exigent
Sun Nov 01, 2020 6:43 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

Re: iPhone upgrade trick w/AT&T

As I understand it you can’t get the 800 off an iPhone 12 unless you “upgrade a line” or are a new customer. Otherwise I would buy a couple iPhone 8’s off eBay and do exactly as you suggest. Unlike most previous offers, this is available for existing customers as long as you are on an eligible unli...
by exigent
Sun Nov 01, 2020 4:48 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 55
Views: 6924

iPhone upgrade trick w/AT&T

Hey all, if you’re an AT&T wireless iPhone user and are looking to upgrade to an iPhone XS or above (including the new 12/Pro/Mini/Max) you should be aware that they are running an upgrade deal right now for current users. If you have a phone that would otherwise qualify for a $95+ trade-in (tha...
by exigent
Sun Nov 01, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: Selling older iphones
Replies: 4
Views: 355

Re: Selling older iphones

Yes, should be able to sell that on eBay. Go search for similar phones in a similar condition and then check what recently completed auctions have sold for — don’t look at current listing prices b/c that’s what people are asking, not what the phones are actually selling for. There is some risk/hassl...
by exigent
Sat Oct 31, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: Value of Quicken?
Replies: 73
Views: 3535

Re: Value of Quicken?

I use Moneydance... Same. I was a longtime Quicken user on Mac, but when they discontinued the regular version and introduced the dumbed down “Quicken Essentials,” I jumped ship. Even though they’ve apparently revived their Mac support, I’ve seen no reason to change back. My data, which I was able ...