Search found 217 matches

by Drew31
Fri Oct 09, 2020 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7510
Views: 514507

Re: Refinance Mega Thread

Tenesmus83 wrote: Thu Oct 08, 2020 5:50 pm Has anyone refinanced with aimloan recently? Are they pretty fast? All the traditional lenders are backed up and taking forever to get anything done
Refinanced with AimLoan back in May. Submitted the application around 4/20 and closed on 5/16. Was very happy with the process.
by Drew31
Sat Sep 19, 2020 8:13 pm
Forum: Personal Investments
Topic: Voyager vs Voyager Select and 4% Rule
Replies: 13
Views: 1493

Re: Voyager vs Voyager Select and 4% Rule

I really, really, want Vanguard to change Personal Investor to Rowboat.... :P
by Drew31
Fri Sep 18, 2020 5:04 pm
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3371

Re: HVAC Service Contracts & Annual Service

Pulled the trigger this afternoon and cancelled. We'll see. Cancelled Pest Control too and will tackle that on my own just spraying perimeter. Decided I can just put that money towards savings specific for any service calls I may need on anything in the future. Lot of good information shared by eve...
by Drew31
Thu Sep 17, 2020 8:09 pm
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3371

Re: HVAC Service Contracts & Annual Service

Pulled the trigger this afternoon and cancelled. We'll see. Cancelled Pest Control too and will tackle that on my own just spraying perimeter. Decided I can just put that money towards savings specific for any service calls I may need on anything in the future. Lot of good information shared by ever...
by Drew31
Wed Sep 16, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3371

Re: HVAC Service Contracts & Annual Service

Just pulled out the paperwork the old owner left and doesn't look like there is any sort of tie between the warranty and yearly maintenance. That box is left blank unless there is some fine print somewhere that says you have to have annual maintenance but I'm not seeing it. Warranty is only good for...
by Drew31
Wed Sep 16, 2020 3:28 pm
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3371

Re: HVAC Service Contracts & Annual Service

Here's a better look at the pan. No debris or anything any it. Just brown, rusty looking water. Thanks for the link on the tabs. Wasn't quite sure, what, if anything, to do there...other than I did check to ensure there was no obstruction at the drain. https://drive.google.com/uc?export=download&id=...
by Drew31
Wed Sep 16, 2020 3:16 pm
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3371

Re: HVAC Service Contracts & Annual Service

We do have carbon monoxide detectors though could always re-evaluate location. If we do maintenance, it's just as cheap to do the contract. I'm just beginning to have second thoughts around the company and has me debating if the service is even worth it. Also debating my Pest Control Service, but th...
by Drew31
Wed Sep 16, 2020 3:09 pm
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3371

Re: HVAC Service Contracts & Annual Service

So got tinkering and took the top cover off both units to take a look. For most part, I think coils look ok at least to my untrained eye. Noticed though rust and a little standing water at bottom. Condensate drains felt clear so they aren't clogged. Unsure if this is normal or poor install. I am not...
by Drew31
Wed Sep 16, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3371

Re: HVAC Service Contracts & Annual Service

Got it. I can turn to YouTube if I really want to take a look at that and check it out but I don't even think the HVAC guys look at that when they're here so may be completely optional.
by Drew31
Wed Sep 16, 2020 12:27 pm
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3371

Re: HVAC Service Contracts & Annual Service

This is really two questions in one: Annual service for cooling, and annual service for heating. IMO annual service for cooling is optional because if the AC goes out, we can survive for a few days without it until it gets repaired. OTOH, if the heat goes out when it is really cold, we could have a...
by Drew31
Wed Sep 16, 2020 12:26 pm
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3371

Re: HVAC Service Contracts & Annual Service

Thanks. This is kind of what I was thinking. I've become less enthralled with the company. A year or two ago, not within a week after the Furnace fall service, the motherboard went out on one of our furnaces, then a few months later something else happened on our other furnace that wasn't quite as ...
by Drew31
Wed Sep 16, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3371

Re: HVAC Service Contracts & Annual Service

Thanks. This is kind of what I was thinking. I've become less enthralled with the company. A year or two ago, not within a week after the Furnace fall service, the motherboard went out on one of our furnaces, then a few months later something else happened on our other furnace that wasn't quite as s...
by Drew31
Wed Sep 16, 2020 9:57 am
Forum: Personal Consumer Issues
Topic: HVAC Service Contracts & Annual Service
Replies: 56
Views: 3371

HVAC Service Contracts & Annual Service

I've read some old threads and done some googling but seem to get conflicting advice. From old Boglehead threads I see all you need is - 1) Change your filters regularly 2) Spray the coils on the AC in Spring 3) Keep condensate drain line clean That pretty much sums it up. Read something on Clark Ho...
by Drew31
Wed Sep 16, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9815

Re: Quicken Disaster!

Sorry this happened to you... I'm no help to try to fix it and but since you're obviously now thinking of moving away from Quicken, I can share my experience of moving away from Quicken as a point of reference. 5 years ago I had well over a decade of data in Quicken and used it for everything. Not p...
by Drew31
Thu Jun 25, 2020 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 252
Views: 23601

Re: Ally 1% bonus, up to $250, sign up by 3/23

I used the savings account to stash extra cash and plan to use it to payoff car loan but would hate to remove that part of savings on 7/1 then somehow not get the full bonus. I know rules said 6/30 but always makes me feel to have cash in hand first.
by Drew31
Thu Jun 25, 2020 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 252
Views: 23601

Re: Ally 1% bonus, up to $250, sign up by 3/23

My understanding is I can withdraw my money on 7/1 and I get the bonus. Is this others plan?

First time working this bonus with Ally and always get nervous until I actually see the bonus deposited.
by Drew31
Fri Mar 27, 2020 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone know what cutoff date for filing 2019 taxes the feds will use to determine eligibility for the stim. check?
Replies: 3
Views: 446

Re: Does anyone know what cutoff date for filing 2019 taxes the feds will use to determine eligibility for the stim. che

Do we know yet if using 2018 nets you a larger refund than what 19 or 20 returns would provide if there is a payback when filing next year?
by Drew31
Sun Jan 13, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1665
Views: 240430

Re: Fidelity as a one stop shop

Yep, they mentioned the zero liability. Thats great, but still a PITA to deal with and if there is a way to reduce risk to essentially zero, I like that better obviously. The toggle would work.
by Drew31
Sun Jan 13, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1665
Views: 240430

Re: Fidelity as a one stop shop

you could also open a separate CMA for checkwriting and atm usage and keep a nominal amount in that account. Cancel any debit cards in your primary CMA Good thought...hadn't really thought of just having a 2nd CMA. Seems my solution is opening a brokerage account and just transferring the amount ab...
by Drew31
Sun Jan 13, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1665
Views: 240430

Re: Fidelity as a one stop shop

This thread has been eye opening. I've used the CMA for a few years now...recently began using it as my main checking account. But seems I didn't even fully appreciate the full capabilities of it. So I'm now thinking of consolidating several other savings accounts at other banks with Fidelity. Most ...
by Drew31
Thu Jan 10, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Rollover Form
Replies: 9
Views: 1446

Re: Fidelity HSA Rollover Form

Thanks all. Employer with PayFlex so will be using this to side step $25 transfer out fee
by Drew31
Wed Jan 09, 2019 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Rollover Form
Replies: 9
Views: 1446

Re: Fidelity HSA Rollover Form

Can you provide link to form you used? I was all over website trying to find forms and got lost...
by Drew31
Tue Dec 26, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Will
Replies: 55
Views: 7278

Re: Living Trust - Will

Recos on good books?
by Drew31
Tue Dec 26, 2017 5:51 pm
Forum: Personal Investments
Topic: Child Tax Credit /Capital Gains Advice - What would you do?
Replies: 14
Views: 1380

Re: Child Tax Credit /Capital Gains Advice - What would you do?

Is the 109K before or after Cap Gains/Dividends? If before, looks like you're already above phase out. Any other pre tax payroll deductions you're leaving out?
by Drew31
Sun Dec 24, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Streaming Eagles-Raiders Game on Christmas Evening
Replies: 7
Views: 1389

Re: Streaming Eagles-Raiders Game on Christmas Evening

Sling TV. One of packages has ESPN. A lot of times They let you try 7 days viewing free.

No sure on any intl restrictions though..,
by Drew31
Fri Dec 22, 2017 9:30 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 191
Views: 27454

Re: Bitcoin in Freefall

Hilarious...I just thought I wonder if we need a Bitcoin in freefall thread. Refreshed Bogleheads and there it is!

Just read something that said down 40% from record
by Drew31
Thu Dec 21, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 73779

Re: Tax Bill Omnibus Thread

Seems like most people's posts are getting lost on the thread given all the disparate topics: effects on SALT, for pass through owner, real estate, muni treatment, etc. I'm not sure what difference it makes having one versus 10 threads but it's not my board so not my rules. Agreed, this kind of arb...
by Drew31
Wed Dec 20, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 73779

Re: Tax Bill Omnibus Thread

If the personal exemption is suspended, what is the tax benefit of claiming my children as the dependent? Please enlightened me. Instead of a ~$4000 exemption, which reduces taxes by $1000 at 25% marginal rate, you get $2000 child tax credit, so roughly $1000 less in income taxes per child. Or a fl...
by Drew31
Wed Dec 20, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 73779

Re: Tax Bill Omnibus Thread

Will be paying Jan and Feb mortgage payments this month. Doesn't look like I'll be itemizing any longer. You can only pay January, which is reality December paid in arrears - in other words you are paying December pmt in December, vs the first few days of January (which is what I did this week). Ta...
by Drew31
Wed Dec 20, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 73779

Re: Tax Bill Omnibus Thread

Will be paying Jan and Feb mortgage payments this month. Doesn't look like I'll be itemizing any longer. I would suggest to check with your mortgage company whether they will report the interest for those payments in 2017 or 2018. I think you can only do Jan by the end of the year. Interest must be...
by Drew31
Wed Dec 20, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 73779

Re: Tax Bill Omnibus Thread

Will be paying Jan and Feb mortgage payments this month. Doesn't look like I'll be itemizing any longer. I would suggest to check with your mortgage company whether they will report the interest for those payments in 2017 or 2018. I think you can only do Jan by the end of the year. Interest must be...
by Drew31
Wed Dec 20, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 73779

Re: Tax Bill Omnibus Thread

If the personal exemption is suspended, what is the tax benefit of claiming my children as the dependent? Please enlightened me. Instead of a ~$4000 exemption, which reduces taxes by $1000 at 25% marginal rate, you get $2000 child tax credit, so roughly $1000 less in income taxes per child. Or a fl...
by Drew31
Wed Dec 20, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 73779

Re: Tax Bill Omnibus Thread

rkhusky wrote: Wed Dec 20, 2017 2:25 pm Those with children will probably find that their marginal rate is increasing, even if their taxes go down. The Child Tax Credit is applied after taxes are computed, whereas the disappearing exemptions were applied before taxes were computed.
Nice call out. Hadn't thought about that one yet.
by Drew31
Wed Dec 20, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 73779

Re: Tax Bill Omnibus Thread

Will be paying Jan and Feb mortgage payments this month. Doesn't look like I'll be itemizing any longer. I would suggest to check with your mortgage company whether they will report the interest for those payments in 2017 or 2018. Good idea to call. Just did and they state everything paid in 2017 w...
by Drew31
Wed Dec 20, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 73779

Re: Tax Bill Omnibus Thread

Will be paying Jan and Feb mortgage payments this month. Doesn't look like I'll be itemizing any longer.

IMP EDIT: Later on in thread it was determined that only the Jan payment is deductible due to tax rules.
by Drew31
Sun Dec 17, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Calculating IRA Deduction
Replies: 3
Views: 437

Re: Question on Calculating IRA Deduction

Thanks. Yep, read that part too which also made me feel that the worksheet is just per person. Also, at the top before the worksheet it says something along the lines of completing for you and your spouse separately. Guess I just am looking for a line that says "complete this worksheet for you, then...
by Drew31
Sun Dec 17, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Question on Calculating IRA Deduction
Replies: 3
Views: 437

Question on Calculating IRA Deduction

Pub 590-A, Worksheet 1-2 which calculates how much of traditional IRA you may deduct.... If MFJ, does the calculated amount apply to both or must calculate each spouse individually, then sum the total to put on to 1040? Realize there is a lot of nuance here, but assume I follow instructions for me a...
by Drew31
Wed Nov 22, 2017 10:47 pm
Forum: Personal Investments
Topic: New Roth IRA @Vanguard, 80/20, which funds to choose?
Replies: 16
Views: 2045

Re: New Roth IRA @Vanguard, 80/20, which funds to choose?

Thanks all of you! It looks like everybody agrees :) The ER is 0.15 so it still looks good. If I wanted to do 90/10 , what would you recommend me in this case? Peruse the Target Retirement Funds. Don't worry about matching the year to your expected portfolio, just find one that matches your desired...
by Drew31
Wed Nov 22, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 119
Views: 15900

Re: TaxAct and alternatives

I did FreeTaxUSA last year and had no issues. CreditKarma also has a free federal and state program that I would try if FreeTaxUSA starts charging. If you already use CreditKarma for credit reporting, you might want to give it a shot. https://www.creditkarma.com/tax Thanks, aristotelian. I've read ...
by Drew31
Wed Aug 30, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 15620

Re: Companies/Brands You Love?

First few that come to min Coke Zero I was a big Coke Zero fan until they recently changed the formula and renamed it "Coke Zero Sugar" -- I'm curious what your thoughts are on that. Something about the new formulation made me nauseous. Diet Coke from here on out... I have an unopened case of the n...
by Drew31
Wed Aug 30, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 15620

Re: Companies/Brands You Love?

First few that come to min Coke Zero I was a big Coke Zero fan until they recently changed the formula and renamed it "Coke Zero Sugar" -- I'm curious what your thoughts are on that. Something about the new formulation made me nauseous. Diet Coke from here on out... I have an unopened case of the n...
by Drew31
Wed Aug 30, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 15620

Re: Companies/Brands You Love?

First few that come to mind

Skechers
Thorntons (Gas Station)
Nivea for Men
Coke Zero
Asus
by Drew31
Tue Aug 29, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Help
Replies: 7
Views: 622

Re: Refinance Help

Appreciate the additional thoughts/ideas. I may end of calling just to see on some more specifics. Where the appraisal would land would really be the key to all this.

I certainly agree not to rely on Zillow quote
by Drew31
Tue Aug 29, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Help
Replies: 7
Views: 622

Re: Refinance Help

Thanks, appreciate the input. Agree on the PMI and certainly have a desire to get rid of that quickly. Part of what causes me to lean refinance because, IF, zillow is partially correct and home has increased in value, that means it'd be that much quicker to get to that point. 30yr refinance makes no...
by Drew31
Tue Aug 29, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Help
Replies: 7
Views: 622

Refinance Help

Never refinanced before, so trying to understand options, way forward...if any Current Situation: $268K balance 4.125% 30yr ~28 years remain Home Value: Appraised @ $295K 2 years ago at purchase. Zillow tells me its $323K now. Since purchase, we've put in new windows, new roof, new water heater, pai...
by Drew31
Fri Nov 18, 2016 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 144
Views: 29175

Re: TaxAct pre-purchase discount

$43 ($18 Federal / $25 State) hardly seems a bargain considering that it's over three times what I paid for the combined product last year. Hopefully that won't be the "low price" I locked in six months ago or I'll be searching for a more competitive priced product...assuming there is one. Freetaxu...
by Drew31
Fri Nov 18, 2016 1:37 pm
Forum: Personal Investments
Topic: Vanguard Roth Minimum $ Question
Replies: 7
Views: 2084

Re: Vanguard Roth Minimum $ Question

Keep in mind too that the Target Retirement date funds only have $1000 limit. So you could always just invest in one of those until you get $3K. Assuming you have $1K....
by Drew31
Mon Nov 14, 2016 5:25 pm
Forum: Personal Investments
Topic: Book recommendation to new investors
Replies: 11
Views: 1932

Re: Book recommendation to new investors

The Only Investment Guide You"ll Ever Need. Andrew Tobias :happy Check the library. Preview https://books.google.com/books/about/The_Only_Investment_Guide_You_ll_Ever_Ne.html?id=YBpLTcTSAxEC Seconded. While it might not actually be the only guide you'll ever want to read, it has ample information t...
by Drew31
Fri Nov 11, 2016 1:21 pm
Forum: Personal Investments
Topic: target date with high ER vs index fund with low ER
Replies: 12
Views: 2717

Re: target date with high ER vs index fund with low ER

My fidelity 401k is similar. Target date funds around .6 or I can use s&p 500, r2000, intl, and bond index funds for .04, .06, .10, and .05 respectively. I choose to invest individually to save cost to create my 3 fund.
by Drew31
Thu Nov 10, 2016 2:24 pm
Forum: Personal Investments
Topic: Simplify my Portfolio?
Replies: 14
Views: 1721

Re: Simplify my Portfolio?

Your savings rate sounds good. At age 35 a bond allocation of 25% is within the range of what is reasonable in my opinion. It looks like you have some excellent index funds offered in his 401k, and a good large-cap index fund offered in her 401k. What other index funds are offered in her 401k? Abou...