Search found 23 matches

by Anonymous Coward
Fri Sep 25, 2020 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8007
Views: 558689

Re: Refinance Mega Thread

For those of you who did the AmEx offer with Better.com, how long does it take for the statement credit to hit? On paper it says 8-10 weeks after it closes. In my case it hit 3 weeks after close with a statement credit backdated to the closing date. I imagine that would be typical performance, but ...
by Anonymous Coward
Sat Aug 15, 2020 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8007
Views: 558689

Re: Refinance Mega Thread

For those of you who did the AmEx offer with Better.com, how long does it take for the statement credit to hit?
by Anonymous Coward
Mon Jun 22, 2020 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8007
Views: 558689

Re: Refinance Mega Thread

Very much appreciate this thread, it has been most helpful. We locked last week on a refinance loan from Better.com. 30-year FRM 3.125% Loan amount ~$330K, with ~$50K cash out California LTV ~40% Closing costs (A + B + C) of ~$1400 + taxes and prepaid interest of ~$800, so total closing costs of ~$2...
by Anonymous Coward
Thu Jun 18, 2020 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8007
Views: 558689

Re: Refinance Mega Thread

Long thread, many many hits on AmEx.

May I ask, what is the mechanism for collecting the $2500 statement credit with the Better.com deal?

Specifically, when does one convey the information that links the Better.com refinance with the AmEx card in question?
by Anonymous Coward
Mon Jun 15, 2020 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8007
Views: 558689

Re: Refinance Mega Thread

This thread is getting loooooong, and there are many hits when searching the thread on AmEx. I called and spoke to AmEx and the rep cautioned me that the Better.com offer is confusing to many. I was told, make sure the name and the emails match, i.e ., whatever email you have attached to your AmEx c...
by Anonymous Coward
Fri Jun 12, 2020 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8007
Views: 558689

Re: Refinance Mega Thread

A broker asked me to supply the full copy of another (competing) broker's GFE. On one hand, I can understand why the broker would ask this; on the other hand, it seems kind of cheeky. Is this standard operating procedure these days?
by Anonymous Coward
Fri Jun 12, 2020 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8007
Views: 558689

Re: Refinance Mega Thread

LenderFi broker: "the market is rising..."

But they quoted us 2.875% for either a 20- or 30-year FRM. For a 20-year, about $1300 in costs, and $1250 in credits, so about $50 out-of-pocket to close.
by Anonymous Coward
Thu Jun 11, 2020 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8007
Views: 558689

Re: Refinance Mega Thread

What is happening with cash-out refi? [...] Anyone have luck with cash-out refi, lately? Our balance is below $300K currently. LenderFi declined to do one. Owning.com wanted about $5K in fees, but said that they pretty much wouldn't do one with no cash out as our balance was too low. Looking at oth...
by Anonymous Coward
Tue Jun 09, 2020 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8007
Views: 558689

Re: Refinance Mega Thread

It's been about ten years since I last refinanced. Recently, I contacted a broker and asked if they would be willing to provide access to the rate sheet on the day of the lock. In years past, this was sort of an acid test for me; if the broker agreed, and everything else was agreeable, we would proc...
by Anonymous Coward
Tue Jun 09, 2020 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Timing of dependent child becoming independent?
Replies: 8
Views: 955

Re: Timing of dependent child becoming independent?

The key word in that was "scholarship." If they are a full time student, they reside with you, no matter where they are. Half the support is a monetary calculation, not time. If you provide some through June and the vast majority for the rest of the year, you will likely provide more than...
by Anonymous Coward
Mon Jun 08, 2020 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Timing of dependent child becoming independent?
Replies: 8
Views: 955

Re: Timing of dependent child becoming independent?

I think you have it right. The main factors are do they live with you and are you providing half of their support. The non-intuitive part is any time spent away at college while enrolled in classes can count as time lived with you for the residency test for dependents. That's the rub, the child wil...
by Anonymous Coward
Mon Jun 08, 2020 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Timing of dependent child becoming independent?
Replies: 8
Views: 955

Timing of dependent child becoming independent?

My child turned 18 last year and I am thinking about when it is wise for them to become independent for tax purposes. I don't recall that it was so complicated when I ceased being a dependent on my parents return some thirty-plus years ago, and I don't recall them thinking much about it either. I wo...
by Anonymous Coward
Tue Dec 18, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 191
Views: 31619

Re: Vanguard 403b Changes

Got an email from Vanguard a couple of days ago stating that the target date funds in my Vanguard 403(b) will transition to institutional target date funds as of 1/2019. I have not checked the expense ratio of all their target date funds, but for my particular fund, it will go from 14 basis points d...
by Anonymous Coward
Wed Mar 14, 2018 8:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 191
Views: 31619

Re: Vanguard 403b Changes

I just looked at the Fidelity "Freedom" funds.... The Fidelity Freedom Index funds would provide a fairer comparison. No, I'm not comparing Vanguard Admiral shares in some index fund with Fidelity Freedom funds. I'm comparing a Vanguard Target Retirement 2035 Fund (VTTHX) with a Fidelity ...
by Anonymous Coward
Wed Mar 14, 2018 12:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 191
Views: 31619

Re: Vanguard 403b Changes

[...] in the end I decided to transfer the money to Fidelity. My Vanguard 403b from a previous employer had been my first choice, but due to switching jobs I had a Fidelity account as an option. I believe the fees on the Fidelity account are comparable to Vanguard and I found the customer service a...
by Anonymous Coward
Wed Jan 03, 2018 9:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 191
Views: 31619

Re: Vanguard 403b Changes

This transition has not been very smooth. I just got off the phone for the second time with Newport Group, trying to understand what their detail-lite statements are showing me. I am unfailingly polite and respectful to customer service reps, but so far the professionalism and customer service I'm g...
by Anonymous Coward
Fri Feb 28, 2014 12:59 pm
Forum: Investing - Theory, News & General
Topic: How likely the feds ever tax Roth IRAs?
Replies: 12
Views: 1877

How likely the feds ever tax Roth IRAs?

Recently I was talking with some friends-- all investors-- about what things might be like in 20-30 years. We're all in our 40's and we all wonder how likely it is that the feds might start taxing what are now considered non-taxable distributions from a Roth IRA ( i.e ., distributions made after the...
by Anonymous Coward
Thu May 30, 2013 8:51 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3013
Views: 1925710

Re: The Three Fund Portfolio

Appreciate your reply. VGAVX is the Admiral version of VGOVX: https://personal.vanguard.com/us/funds/snapshot?FundId=0520&FundIntExt=INT I saw the table of returns you posted on the previous page and thought it was helpful. Certainly the folks who run VBMFX/VBTLX/BND are saavy and their track re...
by Anonymous Coward
Thu May 30, 2013 5:14 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3013
Views: 1925710

Re: The Three Fund Portfolio

I submitted a question in the "Q&A for Jack Bogle" thread, but I'd like to ask the same question here. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=117099#p1708076 Along the lines of the questions asked by Victoria and Howard, above, I'm also curious about the situation wit...
by Anonymous Coward
Thu May 30, 2013 3:18 pm
Forum: Investing - Theory, News & General
Topic: QUESTIONS FOR Q&A WITH JACK BOGLE
Replies: 36
Views: 7727

Re: QUESTIONS FOR Q&A WITH JACK BOGLE

Along the lines of the questions asked by Victoria and Howard, above, I'm also curious about the situation with bond funds. I have a fair amount of VBTLX and BND in various accounts, and I'm reading stuff like this: http://www.forbes.com/sites/investor/2013/04/17/why-this-old-bull-still-has-legs/ (&...
by Anonymous Coward
Thu Feb 03, 2011 11:01 pm
Forum: Personal Investments
Topic: Stay with TDAmeritrade or move to Vanguard for my Roth IRA?
Replies: 21
Views: 10039

OP: I've had accounts at TD Ameritrade since they were Waterhouse Securities. I also have accounts at Vanguard. I recently moved part of my Roth IRA and all of my wife's Roth IRA to Vanguard (from TD Ameritrade). TD Ameritrade charges $25 to transfer part of a Roth IRA, or $75 if you transfer the Ro...
by Anonymous Coward
Sat Jan 29, 2011 12:26 am
Forum: Personal Investments
Topic: Crown Financial Ministries
Replies: 11
Views: 2822

I went through the Crown Small Group study in 2001 and subsequently lead four groups through the study. We supported their ministry until recently. I think it is fair to say that their Small Group Study used to be their main focus back when Larry Burkett and Howard Dayton were the head guys. They ha...
by Anonymous Coward
Fri Jan 14, 2011 10:07 pm
Forum: Personal Investments
Topic: The pain of rebalancing into bonds (low yields & risk, t
Replies: 43
Views: 6290

I don't want to hijack the thread but I have a similar interest. I'm 44, and my wife and I have about $300K invested at Vanguard now in the form of a 403(b) and a rollover IRA. Right now we're in 95% equity funds and 5% is in VBMFX. I want to rebalance so that we have 10-15% in bonds, but I was thin...