Search found 48 matches

by stl717
Wed Nov 15, 2017 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Loans Refi experience?
Replies: 4
Views: 384

Re: Quicken Loans Refi experience?

Years ago I almost did a refi with them. They tried to bait and switch me big time, I told them to pound sand. Last year, I refinanced with NBKC thru Costco and it couldn’t have gone smoother.
by stl717
Sun Sep 17, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 73
Views: 36799

Re: Can't freeze credit at Experian? - Uploaded Info

Did the freeze online no problem with Equifax and TU but had the same problem everyone else is having with Experian. I use the upload option instead of snail mail and am waiting for confirmation the freeze is in effect. Did anyone else try this? I was unable to freeze my wife's experian acct and up...
by stl717
Sat Sep 02, 2017 12:18 am
Forum: Personal Consumer Issues
Topic: Hardwood floors warping?
Replies: 19
Views: 1917

Re: Hardwood floors warping?

When we bought our house, the previous owners refrigerator had leaked water and warped the hardwood in front of it. I was pretty skeptical, but it did indeed go back to normal after a few weeks. Good luck!
by stl717
Mon Jan 23, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Roto-molded cooler suggestions, like Yeti
Replies: 20
Views: 2559

Re: Roto-molded cooler suggestions, like Yeti

+1 for RTIC. We have lots of their products and I would highly recommend them.
by stl717
Wed Jan 18, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: 2010 Honda Accord Question
Replies: 9
Views: 1084

Re: 2010 Honda Accord Question

I've been driving my '06 accord for 7 years now and haven't had any issues whatsoever.
by stl717
Tue Oct 25, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: insulating garage attic, blow or batts?
Replies: 10
Views: 1544

Re: insulating garage attic, blow or batts?

I'm just getting ready to do this to my garage and am leaning towards batts, fwiw.
by stl717
Tue Oct 11, 2016 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Two backdoor Roth IRA questions
Replies: 37
Views: 3391

Re: Two backdoor Roth IRA questions

The one rollover limit only applies when an IRA account is both the distributing and receiving account, with a Roth conversion being the exception. Therefore, other rollovers would never prevent you from doing a Roth conversion, whether by transfer or indirect. This means that all qualified plan to...
by stl717
Tue Oct 11, 2016 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Two backdoor Roth IRA questions
Replies: 37
Views: 3391

Re: Two backdoor Roth IRA questions

I was thinking about converting my wife's Rollover IRA to a Roth because she doesn't work, so no 401k to roll it into. It could make some sense if $20k will be a relatively small amount in the big picture. Just get it out of the way so she can use the back door. Then I could do a back door Roth for...
by stl717
Sat Oct 08, 2016 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Two backdoor Roth IRA questions
Replies: 37
Views: 3391

Re: Two backdoor Roth IRA questions

I'm also about to do my first back door Roth for this year and have an additional question. I have a Rollover IRA from my previous 401k, I understand I have two options before I do the Back Door Roth: Either roll it over to my current 401k or convert it into a Roth and pay taxes. That's correct, ri...
by stl717
Fri Oct 07, 2016 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Two backdoor Roth IRA questions
Replies: 37
Views: 3391

Re: Two backdoor Roth IRA questions

I'm also about to do my first back door Roth for this year and have an additional question. I have a Rollover IRA from my previous 401k, I understand I have two options before I do the Back Door Roth: Either roll it over to my current 401k or convert it into a Roth and pay taxes. That's correct, rig...
by stl717
Sat Sep 24, 2016 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Moved to a new state - Change 529 Plans?
Replies: 7
Views: 1031

Re: Moved to a new state - Change 529 Plans?

I have a 529 with Ohio, also and we recently moved. I wasn't sure on if I would have to repay taxes or anything crazy like that so I just left it there and started a new one. It would be nice to have them all consolidated, but for now I'm just leaving them as they are until I hear for sure about com...
by stl717
Sat Jul 09, 2016 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Insurance claim while refinancing house?
Replies: 1
Views: 388

Insurance claim while refinancing house?

I just locked in my refinance a couple days ago, paid the deposit and submitted all the paperwork they required. Fast forward 3 days and we get whacked with a hailstorm and all my neighbors are filing insurance claims. I cant find much guidance online and keep getting conflicting answers from co-wor...
by stl717
Wed Jul 06, 2016 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Rates
Replies: 20
Views: 2555

Re: Refinance Rates

Just locked to today with NBKC. Highly recommended by lots of colleagues and they work with Costco, so I saved around $1200 since I'm an executive member. 3.25% 30yr refi, apr of 3.27, waived escrows and around $1700 closing costs. Good luck, it can be overwhelming and I'm anxious to hear what other...
by stl717
Fri Jul 01, 2016 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: TCF Bank
Replies: 5
Views: 577

Re: TCF Bank

I have a HELOC through them. I haven't been too terribly impressed so far. Only a few months ago they turned on the electric payment feature, before then I had to send a check every month.
by stl717
Tue May 03, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 67
Views: 7451

Re: Best drill/driver for home use

I've been researching and looking around for the past couple months and finally pulled the trigger last night. Home Depot just got this new Dewalt combo in. Both the drill and impact driver are brushless, so for the price this combo is a really good deal. I had it narrowed down between Rigid and De...
by stl717
Tue May 03, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 67
Views: 7451

Re: Best drill/driver for home use

I've been researching and looking around for the past couple months and finally pulled the trigger last night. Home Depot just got this new Dewalt combo in. Both the drill and impact driver are brushless, so for the price this combo is a really good deal. I had it narrowed down between Rigid and Dew...
by stl717
Sun Feb 21, 2016 9:39 am
Forum: Personal Consumer Issues
Topic: Need New Dishwasher.
Replies: 17
Views: 2165

Re: Need New Dishwasher.

+1 on Bosch. We've had 2 new Bosch's in the last 5 years or so (moved houses) and I would highly recommend them.
by stl717
Fri Feb 05, 2016 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA withdrawls of contributions - how to account/track?
Replies: 14
Views: 1355

Re: Roth IRA withdrawls of contributions - how to account/track?

So I have been wonderring the same thing regarding Roth contributions for a while. I know that ideally the 5498's would be ideal, but what about statements showing contributions? I have switched Custodians throughout the years from American Funds, TRPrice and now Vanguard. I have most (I think) of t...
by stl717
Sun Jul 19, 2015 11:46 am
Forum: Personal Consumer Issues
Topic: Anyone else drive a Tacoma?
Replies: 43
Views: 6082

Re: Anyone else drive a Tacoma?

I'm looking for one.. Trying to figure out if I should buy new or used, their hold their Value so well I may just go with a new one....
by stl717
Tue Mar 03, 2015 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax ESPP sale woes - help!
Replies: 17
Views: 3006

Re: Turbotax ESPP sale woes - help!

Well I just spent 3+ hours entering and re-entering all my ESPP data. I finally selected the add more detail and went through the whole process of manually entering everything from my 3922 for all 13 lots. What a headache. Everything seems to jive now with the Supplemental (higher cost basis) except...
by stl717
Tue Jan 14, 2014 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Audit Defense Coverage
Replies: 10
Views: 11202

Re: Turbo Tax Audit Defense Coverage

I say that if you're smart enough to do your own taxes, you're smart enough to work your way through most audits. Especially with all of the online resources available these days.
by stl717
Fri Oct 11, 2013 8:40 am
Forum: Personal Finance (Not Investing)
Topic: energy co wants to buy mineral rights
Replies: 29
Views: 4183

Re: energy co wants to buy mineral rights

I work with several guys that own land in Texas and from what they've told me, no one there ever sells mineral rights. This one guy bought some pasture land with absolutely no chance of oil or anything being found and he couldn't even get the mineral rights for that land. Unless they gave you a seri...
by stl717
Sun Jun 16, 2013 8:51 pm
Forum: Personal Consumer Issues
Topic: Minivan - odyssey EX-L(ent) vs sienna XLE + ent
Replies: 21
Views: 4711

Re: Minivan - odyssey EX-L(ent) vs sienna XLE + ent

We're mini-van shopping right now, also, and have it narrowed down to these two choices. We are probably looking to buy one or the other (leaning towards the Honda) over the 4th of July week.

Good Luck, let us know what you decide on.
by stl717
Sat Jun 15, 2013 4:44 pm
Forum: Personal Consumer Issues
Topic: New Car Advice
Replies: 58
Views: 6354

Re: New Car Advice

We're getting ready to have baby #3, so are in the process of upgrading to a minivan, probably an Odyssey. If you're close to St Louis, I'll give you a good deal on an 06 Accord... The Hondas seem to hold resale value really well so we're just sticking with them. I've never bought a new vehicle befo...
by stl717
Tue Apr 23, 2013 9:20 pm
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 9818

Re: any suggestions on a ccw [Concealed Carry Weapon]

I have a Kahr CM9 9mm. I would recommend going to a local gun range and asking them and actually holding and shooting several different choices and then make your decision.
by stl717
Fri Feb 08, 2013 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Home refinance / GFE questions
Replies: 16
Views: 1110

Re: Home refinance / GFE questions

I almost refinanced with Quicken last year. I got the appraisal and it came back slightly higher than I expected. Next, the same thing happened: got a "revised" GFE or something and it had almost double the fees, but as the Quicken guy said "don't worry, since you appraised higher, we...
by stl717
Sat Mar 10, 2012 11:25 am
Forum: Local Chapters and Bogleheads Community
Topic: St. Louis Chapter 2012+
Replies: 29
Views: 5169

Re: St. Louis Chapter 2012+

ObliviousInvestor wrote:I would be interested in attending a St. Louis Bogleheads meetup.



+1
by stl717
Wed Nov 16, 2011 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a 529 plan, anything better than Ohio ?
Replies: 25
Views: 2254

Re: Starting a 529 plan, anything better than Ohio ?

I just setup our 2nd 529 today for our 6 month old son, with the Ohio Plan. I think you have until the 18th of November to get a $50 "signing bonus" if you start an account with at least $100.
by stl717
Sat Oct 08, 2011 9:33 pm
Forum: Personal Consumer Issues
Topic: No Yankees, Red Sox, or Phillies
Replies: 26
Views: 2220

Go Cardinals!!
by stl717
Tue Jul 12, 2011 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Getting ripped of with this Refi?
Replies: 8
Views: 1093

gatorking wrote:Look into getting a loan from national mortgage alliance. You will find quite a few threads recommending them. I've been a satisfied customer as well.


Thanks, I just got an online quote from them, very competitive. I'll give them a call this morning and see what I can come up with.

Thanks
by stl717
Tue Jul 12, 2011 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Getting ripped of with this Refi?
Replies: 8
Views: 1093

Thanks guys, I'm waiting to see what it appraises at, hopefully will hear back today. In the mean time I'm going to get at least 1 more quote. I think that even if I have to eat this appraisal that I just got, I can still save money. How exactly does the appraisal work, can I use the appraisal I jus...
by stl717
Mon Jul 11, 2011 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Getting ripped of with this Refi?
Replies: 8
Views: 1093

Getting ripped of with this Refi?

So I'm in the process of refinancing our mortgage from a high interest 30yr to a 3.75% 15 year. I had the appraisal done today, still waiting to hear back if we even have enough equity to get the refi done. Anyways, tonight I get an email saying my loan application has been modified: Loan Originatio...
by stl717
Sun Jul 10, 2011 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Any advice or recommendations with my Portfolio??
Replies: 42
Views: 4720

The fact that you are and plan to continue to invest 90% or more in equities and seemed to ignore your debt seems to suggest you may need to take a breath and rethink your financial plans. I don't recall any respected advisor suggesting such an aggressive allocation to equities - most stop at 70 or...
by stl717
Sun Jul 10, 2011 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Any advice or recommendations with my Portfolio??
Replies: 42
Views: 4720

So the appraiser will be coming tomorrow, after that I will have a clearer picture of options here. I am strongly leaning towards a 401k loan, instead of pulling out Roth contributions. That being said, it's not too late to shop around, is it? I have a 3.75% 15 yr locked in for 45 days, I think arou...
by stl717
Wed Jul 06, 2011 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Any advice or recommendations with my Portfolio??
Replies: 42
Views: 4720

Edit: Does refinancing the first mortgage require that you also pay down the second mortgage to get to a certain loan to value figure? If so then paying down the second to reap the benefit of refinancing both is almost definately the way to go. I realize that this would be most of your retirement f...
by stl717
Wed Jul 06, 2011 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Any advice or recommendations with my Portfolio??
Replies: 42
Views: 4720

Okay guys, I'm digging this thread back to life. I've paid off the Car Loan and was planning on paying off the 2nd mortgage. However, I just got pre-approved to refinance both mortgages to a 3.75% 15 year Loan. I would have to get an appraisal and then put possibly up to $15-20k towards the 2nd mort...
by stl717
Sat May 21, 2011 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Any advice or recommendations with my Portfolio??
Replies: 42
Views: 4720

Do you get any employer matching on the 401K? I get a 10.5% contribution to my 401k if I contribute anything or not, so I won't lose out on any money by not contributing. At least something will be going in there. My wife gets a match, so when she goes back to work I'm going to have her contribute ...
by stl717
Thu May 19, 2011 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Any advice or recommendations with my Portfolio??
Replies: 42
Views: 4720

Does all this make sense? Get the debt paid now, then start piling money into savings/retirement next year? The part you told us about makes some sense, but you did not say how you will pay off the high interest loan. If you are going to Dave Ramesy it, the money you have been paying into the car a...
by stl717
Thu May 19, 2011 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Any advice or recommendations with my Portfolio??
Replies: 42
Views: 4720

Okay, I think I know mostly what I'm going to do: Not screw with the 401k loan. Use that and IRA's for emergency if (only)absolutely necessary while I pay off that damned 2nd mortgage. I sold my taxable VTI yesterday, waiting for it to settle, then using it and some of my savings to pay off Car Loan...
by stl717
Wed May 18, 2011 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Any advice or recommendations with my Portfolio??
Replies: 42
Views: 4720

Here are my fixed income options in my 401k. The Pimpco funds seem to be the best options: BlackRock Inflation Pro Bond Instl CL (BPRIX) (.59) Fidelity Advisor Government Income Fund - Institutional Class (FVIIX) (.53) Fidelity Advisor High Income Advantage Fund - Class I (FAHCX) (.78) PIMCO Low Dur...
by stl717
Wed May 18, 2011 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Any advice or recommendations with my Portfolio??
Replies: 42
Views: 4720

Explain how this is a smart idea. It will be interesting to hear what your buddy says. Ha, I don't know if it's a smart idea or not.. I'm leaning towards just stopping contributions and paying the crap off. Truthfully, the hardest part will to "stay the course" throughout the year and sta...
by stl717
Wed May 18, 2011 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Any advice or recommendations with my Portfolio??
Replies: 42
Views: 4720

That's a lot of debt at mid-to-high interest rates - especially while you're holding a 6-month EF. If your job is stable I'd advise getting agressive with the debts in bold above and clearing the decks before investing. No, don't "refinance" and pay all the refinancing fees! Just pay the ...
by stl717
Wed May 18, 2011 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Any advice or recommendations with my Portfolio??
Replies: 42
Views: 4720

Yeah, I can pay the car off pretty much right away by using some savings, taxable investments and a paycheck or two. I'm pretty good friends with our Company co-401k guy, so I'm going to talk to him today. I just don't know a whole lot about 401k loans. My brother in law did this to pay off his cred...
by stl717
Wed May 18, 2011 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Any advice or recommendations with my Portfolio??
Replies: 42
Views: 4720

Okay, it looks like 4.25%, IF i were to do a 401k loan to knock off that 2nd mortgage. I can set up to 60 months for repayment, I would obviously do it in around 12-15 months. --Still just considering all options-- Bad, good, ugly!!?? Modeling Results Glossary for This Section Loan Type, Amount and ...
by stl717
Tue May 17, 2011 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Any advice or recommendations with my Portfolio??
Replies: 42
Views: 4720

I put investing in quotes because you're kidding yourself if you're borrowing at high rates to fund your retirement accounts. Well I have defiantly not looked at it like that, but that's essentially what I'm doing. I don't know if it matters, but that ugly 2nd mortgage is a balloon loan, with exact...
by stl717
Tue May 17, 2011 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Any advice or recommendations with my Portfolio??
Replies: 42
Views: 4720

Hey Guys, thanks for all the responses.. Yes, that is a second mortgage. I refinanced about a year ago, but could only refinance the 80% part of the loan. I did get it down to 5.25% from 6.875%, which I'm glad I got but in retrospect should have probably pushed more for a 15 yr and refinancing every...
by stl717
Mon May 16, 2011 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Any advice or recommendations with my Portfolio??
Replies: 42
Views: 4720

Any advice or recommendations with my Portfolio??

Hey All, this is my first post. I've been doing lots of reading lately and have learned a lot and I thought I would see if you have any advice for my next 30 years until retirement. Thanks so much in advance... EMERGENCY FUNDS ~ about 6 months DEBT - Mortgage: 141K @ 5.25%/ 32K @ 8.125 Car: 8K @ 5.7...