Search found 358 matches

by Brantley
Tue Jan 19, 2021 12:16 pm
Forum: Personal Investments
Topic: Pension distribution - 401k or IRA
Replies: 2
Views: 221

Pension distribution - 401k or IRA

Hi all, I am receiving a sizable lump sum distribution from a former employer pension plan. I was going to roll this into my new employer 401k to not cause any pro-rata issues on a future backdoor Roth IRA contribution. Are there any considerations I am missing (tax, FAFSA, other) to consider puttin...
by Brantley
Sun Oct 11, 2020 7:09 pm
Forum: Personal Consumer Issues
Topic: Recommend a mattress?
Replies: 50
Views: 5033

Re: Recommend a mattress?

We bought a Casper and it killed my back. Had upgraded from a smaller tempur pedic. We returned the Casper and bought the Tempur Cloud which comes in a box similar to Casper. It feels about the same as our prior Tempur Pedic and is very comfortable.
by Brantley
Sat Sep 19, 2020 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing a house, downpayment vs. retirement and other considerations
Replies: 175
Views: 10589

Re: Purchasing a house, downpayment vs. retirement and other considerations

Annual check in. Given what is going on with COVID, housing prices appear to be soaring in the Boston suburbs. There have been several recent sales in my neighborhood for sky high prices. A house down the street from me which is about the same size was listed for over a million, and was under agreem...
by Brantley
Mon Aug 24, 2020 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9365
Views: 654781

Re: Refinance Mega Thread

My experience with LenderFi was fine up until the new fee announcement... Current: 4.375% 30y with 28y left. Refi: 2.5% 30y with LenderFi (lock exp 9/4) Locked the refi on Aug 12th (right before the new fee). Got the call from Title Insurance that Friday (14th) and have had radio silence since. I u...
by Brantley
Mon Aug 24, 2020 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9365
Views: 654781

Re: Refinance Mega Thread

My experience with LenderFi was fine up until the new fee announcement... Current: 4.375% 30y with 28y left. Refi: 2.5% 30y with LenderFi (lock exp 9/4) Locked the refi on Aug 12th (right before the new fee). Got the call from Title Insurance that Friday (14th) and have had radio silence since. I u...
by Brantley
Mon Aug 24, 2020 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9365
Views: 654781

Re: Refinance Mega Thread

My experience with LenderFi was fine up until the new fee announcement... Current: 4.375% 30y with 28y left. Refi: 2.5% 30y with LenderFi (lock exp 9/4) Locked the refi on Aug 12th (right before the new fee). Got the call from Title Insurance that Friday (14th) and have had radio silence since. I u...
by Brantley
Mon Aug 17, 2020 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9365
Views: 654781

Re: Refinance Mega Thread

I have a close friend who is looking to get a jumbo in Massachusetts. None of the online options mentioned in this thread or on slick deals seem to be doing jumbos. Any suggestions on where to go? He already has a signed offer so he is looking to move quickly.
by Brantley
Wed Aug 05, 2020 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1627
Views: 151165

Re: My LenderFi refinance is going well

Has anyone had any luck having Lenderfi float down the rate? Looks like rates have dropped a bit since I locked in 2.75% 30 yr. I am slated to close on Saturday, which is actually a day after my lock. Lenderfi indicated they would extend the rate lock for free, but I am curious if this would give m...
by Brantley
Wed Aug 05, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1627
Views: 151165

Re: My LenderFi refinance is going well

Has anyone had any luck having Lenderfi float down the rate? Looks like rates have dropped a bit since I locked in 2.75% 30 yr. I am slated to close on Saturday, which is actually a day after my lock. Lenderfi indicated they would extend the rate lock for free, but I am curious if this would give m...
by Brantley
Wed Aug 05, 2020 9:31 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1627
Views: 151165

Re: My LenderFi refinance is going well

Has anyone had any luck having Lenderfi float down the rate? Looks like rates have dropped a bit since I locked in 2.75% 30 yr. I am slated to close on Saturday, which is actually a day after my lock. Lenderfi indicated they would extend the rate lock for free, but I am curious if this would give me...
by Brantley
Sun Aug 02, 2020 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1627
Views: 151165

Re: My LenderFi refinance is going well

I loan processor also is Ryan. I don't think I ever managed to talk to him. I got a quote from someone who picked up the phone two weeks then as I applied, I get a significantly higher rate. All his peers who pick up the phone is like we'll have him return your call w a better quote. Nothing from h...
by Brantley
Sat Aug 01, 2020 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1627
Views: 151165

Re: My LenderFi refinance is going well

LenderFI called back yesterday, saying they could offer 2.625% without escrow. However, I'm already proceeding with Better.com at 2.75% no fees or escrow + $2500 AMEX statement credit. I figure I could refinance again in a few months if rates fall, which seems like they are. looks like the rates ha...
by Brantley
Sat Aug 01, 2020 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1627
Views: 151165

Re: My LenderFi refinance is going well

I think you are in a good position. I may have to switch from LenderFi to Better.com if they do not accept my counter-offer...but I have to apply for AMEX...boy, I hope all these hard credit pulls don't ding my credit score :oops: The Better Amex promo has ended. Unless you started an app via the p...
by Brantley
Thu Jul 30, 2020 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1627
Views: 151165

Re: My LenderFi refinance is going well

I am locked @ 2.75% 30 yr fixed zero cost. My lock expires the end of next week - they seem to be cutting it close. I have been e-mailing daily and had to stick my nose in a few times to push Amrock along - took over a week and a half for my title to come back as it was sitting on a local law firm ...
by Brantley
Thu Jul 30, 2020 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1627
Views: 151165

Re: My LenderFi refinance is going well

I am locked @ 2.75% 30 yr fixed zero cost. My lock expires the end of next week - they seem to be cutting it close. I have been e-mailing daily and had to stick my nose in a few times to push Amrock along - took over a week and a half for my title to come back as it was sitting on a local law firm ...
by Brantley
Thu Jul 30, 2020 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1627
Views: 151165

Re: My LenderFi refinance is going well

I am locked @ 2.75% 30 yr fixed zero cost. My lock expires the end of next week - they seem to be cutting it close. I have been e-mailing daily and had to stick my nose in a few times to push Amrock along - took over a week and a half for my title to come back as it was sitting on a local law firm t...
by Brantley
Wed Jul 22, 2020 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1627
Views: 151165

Re: My LenderFi refinance is going well

Hoodwink wrote: Wed Jul 22, 2020 9:01 pm How long is it taking with lenderfi for underwriter review once the file is moved to underwriter?
It was 4 business days for me. Currently waiting for title to come in since Monday.
by Brantley
Fri Jul 17, 2020 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1627
Views: 151165

Re: My LenderFi refinance is going well

Update on my timeline: July 6: Applied and uploaded all documents July 7: Locked over the phone and signed initial disclosure July 12: Signed updated disclosure showing lock July 12: LenderFi requested bank statements which I provided right away July 17: I emailed for status and they said they just...
by Brantley
Fri Jul 17, 2020 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1627
Views: 151165

Re: My LenderFi refinance is going well

There was some discussion earlier in this thread about servicing back in April. Does anyone have more recent examples of how long it took between loan funding and getting a servicing account set up? Was that before or after the first payment due? I'd be curious for any recent experience as well. I'...
by Brantley
Mon Jun 15, 2020 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Issue with late mortgage payment
Replies: 1
Views: 318

Issue with late mortgage payment

Asking for a friend. Mortgage was sold, and mortgage payment was never forwarded to the new bank. Hit credit score as a late payment, and he was unable to get the old bank to fix the issue and had difficulty getting in touch with them. Is there anyone he can reach out to help fix it?
by Brantley
Sun Jun 07, 2020 8:36 am
Forum: Personal Consumer Issues
Topic: GE Profile Refrigerator/Freezer vs Regular GE
Replies: 45
Views: 2916

Re: GE Profile Refrigerator/Freezer vs Regular GE

I have all GE profile appliances. The fridge is French door style and it has been great so far. GE profile fridges get top ratings on CR which drove me to purchase one. If you have access to perks at work through your employer, there are often substantial sales on GE appliances, and I feel a bit bet...
by Brantley
Sun May 24, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: Does software play a role in choosing TV
Replies: 28
Views: 1506

Re: Does software play a role in choosing TV

Similar to what other folks have said, you can easily purchase another device such as a fire stick, Apple TV, etc. The software in all smart TVs will eventually become obsolete. However, if you don’t want to bother with another device in the near term, software can make a difference, but that is lar...
by Brantley
Thu Mar 19, 2020 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1627
Views: 151165

Re: My LenderFi refinance is going well

I submitted an application and had my credit pulled prior to the website being shut down. I kept calling and luckily the CEO (Ryan) picked up the phone. My rate had not been previously locked, and they are not able to give me what the previous offer was ($0 cost 3.75% 30 yr). He told me to float it ...
by Brantley
Tue Jan 14, 2020 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Supplemental disability
Replies: 10
Views: 881

Re: Supplemental disability

Bumping this post. Again, I’d like to get folks thoughts on why this seems to be a topic that I do not see much discussion on in the media, on the web, in finance journals, etc. The cost of supplemental insurance is fairly high. I understand there is large variability in that cost. I ran this by a f...
by Brantley
Sun Nov 03, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: 529 - account owner and FAFSA
Replies: 6
Views: 611

Re: 529 - account owner and FAFSA

Question - is there any benefit to having a 529 with the parent as the owner vs the kid as it relates to FASFA, or any other reasons? I have setup an account with myself as the owner with the fidelity MA 529 (MA resident). Is it optimal to leave it like this? Personally, I can't imagine why I would...
by Brantley
Sun Nov 03, 2019 11:09 am
Forum: Personal Finance (Not Investing)
Topic: 529 - account owner and FAFSA
Replies: 6
Views: 611

529 - account owner and FAFSA

Hi folks,

Question - is there any benefit to having a 529 with the parent as the owner vs the kid as it relates to FASFA, or any other reasons?

I have setup an account with myself as the owner with the fidelity MA 529 (MA resident). Is it optimal to leave it like this?
by Brantley
Thu Jul 25, 2019 2:18 pm
Forum: Non-US Investing
Topic: [EU] My portfolio manager passed away and I could really use advice how to proceed with my portfolio management
Replies: 44
Views: 2742

Re: [EU] My portfolio manager passed away and I could really use advice how to proceed with my portfolio management

TedSwippet wrote: Thu Jul 25, 2019 2:00 pm
Brantley wrote: Thu Jul 25, 2019 1:48 pm You may be a good candidate for Vanguard PAS
Unlikely. The topic author is a US nonresident alien, and so won't even be eligible to open a Vanguard US account in order to become a Vanguard client.
interesting - I didn’t know that. Any comparable options outside the US that are low cost?
by Brantley
Wed Jul 24, 2019 8:32 pm
Forum: Non-US Investing
Topic: [EU] My portfolio manager passed away and I could really use advice how to proceed with my portfolio management
Replies: 44
Views: 2742

Re: [EU] My portfolio manager passed away and I could really use advice how to proceed with my portfolio management

1) How have you evaluated the performance of your previous advisor? Curious to know what you were benchmarking against. No, I must admit I have not, but should of. Ok this is absolutely critical. Many of your perceptions of the out performance of your advisor may not match reality if you are not su...
by Brantley
Wed Jul 24, 2019 6:56 pm
Forum: Non-US Investing
Topic: [EU] My portfolio manager passed away and I could really use advice how to proceed with my portfolio management
Replies: 44
Views: 2742

Re: [EU] My portfolio manager passed away and I could really use advice how to proceed with my portfolio management

Might have missed it; but, why if you are in Europe do you invest mostly in the US? My consultant was in US and he was managing his clients in US. I think it makes more sense to invest in US as it has more stable longevity than EU. A 90 / 10 portfolio will take a hit in a recession. All the time. A...
by Brantley
Wed Jul 24, 2019 5:25 pm
Forum: Non-US Investing
Topic: [EU] My portfolio manager passed away and I could really use advice how to proceed with my portfolio management
Replies: 44
Views: 2742

Re: [EU] My portfolio manager passed away and I could really use advice how to proceed with my portfolio management

A 4rth direction if you care to take it. Post for a portfolio review and get comprehensive input from forum portfolio experts. Portfolio Review Request https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Sounds like a good idea. Do I post it in this section at "Personal Investments&q...
by Brantley
Mon Jul 01, 2019 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Supplemental disability
Replies: 10
Views: 881

Re: Supplemental disability

Thanks - I did my research before buying the policies and understand how they work. However, I’m looking to see how people view the concept in general, as well as my other questions. Sorry. Your original post left much to interpretation as other replies provided reflect. You might want to edit the ...
by Brantley
Mon Jul 01, 2019 4:13 am
Forum: Personal Finance (Not Investing)
Topic: Supplemental disability
Replies: 10
Views: 881

Re: Supplemental disability

OP, did you have any specific questions about supplemental disability insurance? Only what is in my original post. Trying to take people’s temperature on the subject. I have a friend who is in investment management who didn’t see any value in it. FIL who is generally financially savvy and mostly a ...
by Brantley
Sun Jun 30, 2019 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Supplemental disability
Replies: 10
Views: 881

Re: Supplemental disability

I searched this site and found this post suggested To my knowledge, the top-tier carriers are Guardian, Principal, Standard, and Ameritas. Guardian is considered the best if you can get it. I don't know of any general way to rank the others. My policy is with Standard, and I've had a good experienc...
by Brantley
Sun Jun 30, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Supplemental disability
Replies: 10
Views: 881

Supplemental disability

Hey folks, Who here has a supplemental private disability policy on top of your employer policy? I do not see many recent posts on the site, and limited coverage on news sites. Seems to be topic not very much talked about. Wife and I have a policy through Principal and the Standard. Employer policie...
by Brantley
Sun Jun 16, 2019 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage refinance options - should I proceed?
Replies: 8
Views: 822

Re: Mortgage refinance options - should I proceed?

I'm on the verge of finishing a refinancing and am still feeling apprehensive about it. Wanted to get a gut check from those more informed from me. I have a jumbo 30-year fixed mortgage at 4.475% (roughly $620,000). The new rate would be 3.865%, dropping monthly payments by about $230. We plan to u...
by Brantley
Sat Jun 15, 2019 4:24 pm
Forum: Personal Investments
Topic: Escaping 1% Investment Advisor Fee -- Need Advice
Replies: 7
Views: 1262

Re: Escaping 1% Investment Advisor Fee -- Need Advice

Can you clarify the arrangement with the 401k and the plan? Is this money manager through your employer? I just want to make sure we understand what we’re working with. For example, I have an option of paying fidelity to manage my 401k. Otherwise it is self managed (no AUM).
by Brantley
Wed Jun 05, 2019 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance recommendations
Replies: 13
Views: 1391

Re: Car insurance recommendations

TexasPE wrote: Wed Jun 05, 2019 8:17 pm
an independent broker that could shop around across many policies
+1. Why spend the time to call insurance companies when a broker can do the legwork for you?
any suggestions on the area, or where to find one?
by Brantley
Wed Jun 05, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance recommendations
Replies: 13
Views: 1391

Car insurance recommendations

Any suggestions on insurance carriers for Santa Clara area in CA? Need auto and renters.
by Brantley
Sat Jun 01, 2019 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance?
Replies: 10
Views: 604

Re: Refinance?

I bought my first home a year ago. Since then, rates have been on a steady decline (from what I gather). Read quite a few historical posts on this front. I’m currently on a 30yr fixed at 4.625%. While I don’t try to time the market with investments, I’m tempted to play cat and mouse while watching ...
by Brantley
Sat Jun 01, 2019 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance?
Replies: 10
Views: 604

Re: Refinance?

I bought my first home a year ago. Since then, rates have been on a steady decline (from what I gather). Read quite a few historical posts on this front. I’m currently on a 30yr fixed at 4.625%. While I don’t try to time the market with investments, I’m tempted to play cat and mouse while watching ...
by Brantley
Mon Apr 29, 2019 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: making the leap to online only banking-- updated reviews on Fidelity CMA or Schwab High Yield?
Replies: 25
Views: 2580

Re: making the leap to online only banking-- updated reviews on Fidelity CMA or Schwab High Yield?

If you go to online-only banking, do you have a plan for how you are going to get a medallion signature guarantee when you need one? Serious question, when have you ever needed a Medallion signature guarantee in recent times? I have a local brick and mortar bank that I've used the Medallion signatu...
by Brantley
Thu Apr 25, 2019 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a house, downpayment vs. retirement and other considerations
Replies: 175
Views: 10589

Re: Purchasing a house, downpayment vs. retirement and other considerations

Hey all, Figured I would give a six month check in on the house. We are loving the house and the neighborhood. From a savings perspective, we have kept 401k contributions low at the match, however are maxing out both HSAs. Trying to save as much for some near term house expenses, including some lan...
by Brantley
Thu Apr 25, 2019 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a house, downpayment vs. retirement and other considerations
Replies: 175
Views: 10589

Re: Purchasing a house, downpayment vs. retirement and other considerations

Hey all, Figured I would give a six month check in on the house. We are loving the house and the neighborhood. From a savings perspective, we have kept 401k contributions low at the match, however are maxing out both HSAs. Trying to save as much for some near term house expenses, including some land...
by Brantley
Sat Apr 20, 2019 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Apps/Websites
Replies: 9
Views: 2343

Re: Personal Finance Apps/Websites

I use mint for daily net worth and to monitor expenses and account balances, and I use excel for a basic monthly cash flow tracker to ensure I have sufficient funds to pay cc’s and other bills, as well as a net worth calculation that I update every so often.
by Brantley
Tue Jan 22, 2019 10:57 pm
Forum: Personal Investments
Topic: help with financial planning
Replies: 39
Views: 3985

Re: help with financial planning

Thank you both! Good points. If I discontinue contributing to 529, can the balance in the account be rolled over to any other accounts without incurring fees? Or, it has to remain untouched to be used only for educational expenses? utah UESP Also, as I accessed by ROTH IRA account for transfer to t...
by Brantley
Tue Jan 22, 2019 2:16 pm
Forum: Personal Investments
Topic: help with financial planning
Replies: 39
Views: 3985

Re: help with financial planning

Thanks! What is TSM? Is it total stock market index fund? Would you operate one separate from your retirement account? You are correct - this is a total stock market index fund. Since your son is 9, and you have more of a 9 year horizon, you may want to be more conservative. You can look at vanguar...
by Brantley
Thu Jan 17, 2019 8:30 pm
Forum: Personal Investments
Topic: help with financial planning
Replies: 39
Views: 3985

Re: help with financial planning

But first, you need to determine if you were/are eligible to contribute to Roth IRA for 2018. If not, if you have already contributed, that will need to be fixed. Have you already contributed? How about an estimate of your total income for 2018? Thank you for bringing this to my attention. I contri...
by Brantley
Sat Jan 12, 2019 11:27 pm
Forum: Personal Investments
Topic: help with financial planning
Replies: 39
Views: 3985

Re: help with financial planning

Ok - I still have these questions and suggestions 2) Why do you have $200k in cash and CDs? Are you intending to spend that soon? I see you have a house already. You should invest most of this. 4) You are behind on retirement savings. I’d focus on increasing HSA and/or 401k savings before funding th...
by Brantley
Sat Jan 12, 2019 10:42 pm
Forum: Personal Investments
Topic: help with financial planning
Replies: 39
Views: 3985

Re: help with plan proposed by financial advisor

I have a few questions and thoughts: 1) Are you married? If so, can you update with your spouses info 2) Why do you have $200k in cash and CDs? Are you intending to spend that soon? I see you have a house already. You should invest most of this. 3) Are you total assets right? Doesn’t add up 4) You ...