Search found 1550 matches

by Ron Ronnerson
Mon May 25, 2020 6:01 pm
Forum: Personal Consumer Issues
Topic: Yahoo Mail Logs Out Repeatedly
Replies: 18
Views: 705

Re: Yahoo Mail Logs Out Repeatedly

I hope that the tech-savvy bogleheads can help with a solution to an annoying problem. I log in to my Yahoo email account and check "stay logged in for 2 weeks." In the past, this worked fine. Recently, Yahoo logs me out repeatedly and automatically each day. I've already looked for a solution with...
by Ron Ronnerson
Mon May 25, 2020 5:07 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 103
Views: 7767

Re: Pandemic buys that have improved quality of life?

I got a subscription to CBS All Access which included the first month for free. I watched the new Star Trek shows (Picard and a couple of seasons of Discovery) and Twilight Zone. I enjoyed the Star Trek but they just don’t make Twilight Zone like they used to. Anyway, it’s been enjoyable and the pri...
by Ron Ronnerson
Mon May 25, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Robot vacuums
Replies: 18
Views: 965

Re: Robot vacuums

PoppyA wrote:
Mon May 25, 2020 4:23 pm
OP here...

That does bring up the question of noise. Can you sleep, or watch tv while they run?
At least the one I have is fairly noisy. It would be hard to watch TV with it running. I go to a different room and close the door while it’s doing it’s thing.
by Ron Ronnerson
Mon May 25, 2020 2:40 pm
Forum: Personal Consumer Issues
Topic: Robot vacuums
Replies: 18
Views: 965

Re: Robot vacuums

Recently received an Ecovacs Deebot, was on sale at Costco. Simple and works well. Just close off a section of the house, like hallway, room, or office. Let it run in there for an hour or so. Picks up a lot of stuff. Also buzzes around the kitchen on hard floors picking up everything. Happy with it...
by Ron Ronnerson
Mon May 25, 2020 11:33 am
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 118
Views: 9101

Re: Personal spending out of control after Covid-19

With all the preliminary data out there regarding how risk for adverse health effects is significantly higher in those with MetS, you would hope people would take it as a wake-up call that our lifestyles are killing us and it is time to take your nutrition and physical activity seriously. From what...
by Ron Ronnerson
Mon May 25, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 118
Views: 9101

Re: Personal spending out of control after Covid-19

I have had the opposite experience. I used to drink wine a few times a week and haven’t had any alcohol at all since the beginning of March. Instead, I’m using the time that I would normally spend commuting to exercise each day. I’ve got an elliptical machines and exercise bike at home that I’ve be...
by Ron Ronnerson
Sun May 24, 2020 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 328
Views: 22621

Re: The axe falls and I am prepared. What's next?

If the opposite happens and the market has been performing poorly and other unfortunate things happen also (perhaps spouse has to stop working earlier than you hoped, the ACA goes away, and inflation turns out to be high), what would you do to right the ship? Ron Ronnerson, I had planned for that. ...
by Ron Ronnerson
Sun May 24, 2020 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 328
Views: 22621

Re: The axe falls and I am prepared. What's next?

I’m sorry to hear about your job loss but agree with so many others that you are in good shape and can do what you want going forward. The only thing I will say is that, from my perspective, it is good to be flexible and keep your options open. For example, the sequence of returns, what happens with...
by Ron Ronnerson
Sat May 23, 2020 8:34 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 118
Views: 9101

Re: Personal spending out of control after Covid-19

I have had the opposite experience. I used to drink wine a few times a week and haven’t had any alcohol at all since the beginning of March. Instead, I’m using the time that I would normally spend commuting to exercise each day. I’ve got an elliptical machines and exercise bike at home that I’ve bee...
by Ron Ronnerson
Sat May 23, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Locked with 2 lenders for a Refi. Should I cancel with one of them?
Replies: 7
Views: 732

Re: Locked with 2 lenders for a Refi. Should I cancel with one of them?

Thanks for the responses. I'll proceed forward with the lender to whom I've begun submitting documentation and tell the other one to hold off. I'm not trying to mislead anyone and care about a smooth process more than anything else since the rate and cost are the same with the different lenders.
by Ron Ronnerson
Sat May 23, 2020 1:58 am
Forum: Personal Finance (Not Investing)
Topic: Locked with 2 lenders for a Refi. Should I cancel with one of them?
Replies: 7
Views: 732

Re: Locked with 2 lenders for a Refi. Should I cancel with one of them?

If you locked but didn't do a "intent to proceed" with lender 1, I wouldn't do anything. Keep them there in your back pocket until Better gets closer to closing. I was in the same situation as you and didn't withdraw my app and instead, held it and let my Loan Estimate expire, which was the Friday ...
by Ron Ronnerson
Sat May 23, 2020 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Locked with 2 lenders for a Refi. Should I cancel with one of them?
Replies: 7
Views: 732

Re: Locked with 2 lenders for a Refi. Should I cancel with one of them?

Hey, Looks like Owning is only CA, anything for other states? I am trying to help a family member and same boat. Have him locked for 15 year fixed @ 2.625% for LTV of 37% and 1600 in closing cost. (Doing a cash out refinance, so can pay off a rental which is @ 4.125%). Based on your analysis so far...
by Ron Ronnerson
Fri May 22, 2020 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Locked with 2 lenders for a Refi. Should I cancel with one of them?
Replies: 7
Views: 732

Locked with 2 lenders for a Refi. Should I cancel with one of them?

I’m looking to refinance my mortgage and found a lender who is offering me terms that I'm happy with so I locked the rate with them a couple of days ago (I’ll call them lender 1). Then, another lender (lender 2) offered a better deal so I locked with them today. I don't want to waste anyone's time, ...
by Ron Ronnerson
Tue May 19, 2020 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1472
Views: 136274

Re: Refinance Mega Thread

I called Owning and they said they could do 2.99% on a 30-year at no cost (LTV would be 40%). I haven't refinanced in a while so would appreciate guidance on how to proceed. The person I spoke with sent me an email requesting information (W2, paystubs, etc.). Should I send that in at this stage or ...
by Ron Ronnerson
Mon May 18, 2020 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1472
Views: 136274

Re: Refinance Mega Thread

I called Owning and they said they could do 2.99% on a 30-year at no cost (LTV would be 40%). I haven't refinanced in a while so would appreciate guidance on how to proceed. The person I spoke with sent me an email requesting information (W2, paystubs, etc.). Should I send that in at this stage or ...
by Ron Ronnerson
Mon May 18, 2020 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1472
Views: 136274

Re: Refinance Mega Thread

I called Owning and they said they could do 2.99% on a 30-year at no cost (LTV would be 40%). I haven't refinanced in a while so would appreciate guidance on how to proceed. The person I spoke with sent me an email requesting information (W2, paystubs, etc.). Should I send that in at this stage or i...
by Ron Ronnerson
Mon May 18, 2020 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: How did you determine your target savings rate?
Replies: 109
Views: 4595

Re: How did you determine your target savings rate?

I determined my savings rate by trying to optimize and to try to catch up as we didn’t really start saving anything until our early 30s. My income is about $120k. We save about half of it (I do count mortgage principal as savings). By saving this amount, we greatly reduce our taxes and qualify for s...
by Ron Ronnerson
Mon May 18, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1472
Views: 136274

Re: Refinance Mega Thread

If anyone needs some jaw dropping rates to pricematch to. Check out these. The credit union doesn't do jumbo loans though. 15y fixed super conforming was 2.25% 0 pts yesterday. https://www.bournscu.coop/loans-and-credit-cards/consumber-loan-rates-copy Is there a catch with these rates? They seem a ...
by Ron Ronnerson
Mon May 18, 2020 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1472
Views: 136274

Re: Refinance Mega Thread

If anyone needs some jaw dropping rates to pricematch to. Check out these. The credit union doesn't do jumbo loans though. 15y fixed super conforming was 2.25% 0 pts yesterday. https://www.bournscu.coop/loans-and-credit-cards/consumber-loan-rates-copy Is there a catch with these rates? They seem a ...
by Ron Ronnerson
Sun May 17, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Income about to be halved - what do we do?
Replies: 62
Views: 7677

Re: Income about to be halved - what do we do?

What are your ages? Let me rephrase in case that question came across as rude/blunt/nosy. If you are relatively young and want to increase your cash flow, perhaps you can refinance your house. She/he may be able to recast the mortgage for a lower fee in order to lower payments. I'm with a lot of fo...
by Ron Ronnerson
Sat May 16, 2020 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Income about to be halved - what do we do?
Replies: 62
Views: 7677

Re: Income about to be halved - what do we do?

Might be able to reduce the cell phone bill a bit (or quite a bit, depending on your usage) by moving to Cricket. They were offering 2GB a month for $15 a month. May still be, for all I know. 5GB is something like $35 a line, with auto pay discount. I renewed my plan with Mint Mobile this morning. ...
by Ron Ronnerson
Sat May 16, 2020 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Income about to be halved - what do we do?
Replies: 62
Views: 7677

Re: Income about to be halved - what do we do?

Ron Ronnerson wrote:
Sat May 16, 2020 12:56 pm
What are your ages?
Let me rephrase in case that question came across as rude/blunt/nosy. If you are relatively young and want to increase your cash flow, perhaps you can refinance your house.
by Ron Ronnerson
Sat May 16, 2020 11:38 am
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10360

Re: Please tell me I'm not crazy [What to do with "idle" cash?]

I don’t think there is one correct answer to how much you should have in your emergency fund. What you’re comfortable with and individual factors come into play. Also, even though many people think of an emergency fund as cash, investments in a taxable account, Roth IRA contributions that you can ge...
by Ron Ronnerson
Fri May 15, 2020 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to use up $300 Chase Sapphire Reserve Travel Credit
Replies: 23
Views: 1562

Re: How to use up $300 Chase Sapphire Reserve Travel Credit

02nz wrote:
Fri May 15, 2020 5:36 pm
Yes it’s 48 mos from when you received the bonus, I should’ve been clearer there.
That's great. Thank you.
by Ron Ronnerson
Fri May 15, 2020 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to use up $300 Chase Sapphire Reserve Travel Credit
Replies: 23
Views: 1562

Re: How to use up $300 Chase Sapphire Reserve Travel Credit

If you simply cancel your card, the points go away. You might get the regular Sapphire card with lower annual fee and different points/spend structure in order to keep your points active for the future. Thanks for this reminder. We wouldn't cancel the card without either using or transferring the p...
by Ron Ronnerson
Thu May 14, 2020 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to use up $300 Chase Sapphire Reserve Travel Credit
Replies: 23
Views: 1562

Re: How to use up $300 Chase Sapphire Reserve Travel Credit

I don't have the CSR any more, but have you tried calling the customer service line? Call and tell them that due to Coronavirus you're unlikely to use the card benefits and you don't see the value in paying the annual fees. They might be willing to give you some discount to compensate. Thanks for t...
by Ron Ronnerson
Thu May 14, 2020 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to use up $300 Chase Sapphire Reserve Travel Credit
Replies: 23
Views: 1562

Re: How to use up $300 Chase Sapphire Reserve Travel Credit

If you simply cancel your card, the points go away. You might get the regular Sapphire card with lower annual fee and different points/spend structure in order to keep your points active for the future. Thanks for this reminder. We wouldn't cancel the card without either using or transferring the p...
by Ron Ronnerson
Thu May 14, 2020 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: How to use up $300 Chase Sapphire Reserve Travel Credit
Replies: 23
Views: 1562

How to use up $300 Chase Sapphire Reserve Travel Credit

I have the $300 travel credit still available on my Chase Sapphire Reserve Credit Card but all our travel plans have been cancelled for the time being. I’m not sure how to use up the credit. We hardly ever use Uber/Lyft, take public transportation, or pay for parking. I’m thinking of loading up FasT...
by Ron Ronnerson
Wed May 13, 2020 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: 30 vs 15 year mortgages in today's enviroment
Replies: 7
Views: 1122

Re: 30 vs 15 year mortgages in today's enviroment

I am in year 8 of a 30-year loan with a rate of 3.25%. If I find a rate that’s low enough (my arbitrary cut-off point is 2.9%), I would refinance and restart the 30-year clock again. That would mean that my house wouldn’t be paid off until I’m 75. I’m personally fine with that. I like the idea of bo...
by Ron Ronnerson
Wed May 13, 2020 8:06 pm
Forum: Personal Investments
Topic: To elect contributing to Dependent Care FSA or not? related to COVID
Replies: 2
Views: 220

Re: To elect contributing to Dependent Care FSA or not? related to COVID

I believe the IRS has provided employers with the option to be flexible with these types of accounts and allow mid-year changes for the time being. I don't know if something similar might be put into effect next year as well but it very well could be if covid continues to be an issue. There is some ...
by Ron Ronnerson
Wed May 13, 2020 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: $2 million dollar house pre requisites
Replies: 109
Views: 9739

Re: $2 million dollar house pre requisites

People who rely on rules-of-thumb should proceed carefully, in my opinion. They can be problematic because they ignore so many important personal details. When we purchased our house, we violated a number of generalizations. However, we thought that we would likely be just fine given our specific ci...
by Ron Ronnerson
Wed May 13, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: COVID - 19 things to do
Replies: 51
Views: 4115

Re: COVID - 19 things to do

Your post resonated with me. Life is strange right now and I have felt a lot of different emotions ranging from sadness to hope to confusion during the past couple of months. After some initial adjustments to the present situation, I have lately been in a good place mentally and emotionally. I will ...
by Ron Ronnerson
Wed May 13, 2020 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Should you include home equity in Net Worth?
Replies: 160
Views: 7598

Re: Should you include home equity in Net Worth?

In net worth calculations, you should include things that have worth. If your house is worthless (or close to it), you should not include it in the calculation. Also, you shouldn’t bother insuring it in that case. It doesn’t make sense to insure worthless items. The food in my fridge and my clothes ...
by Ron Ronnerson
Mon May 11, 2020 5:23 pm
Forum: Personal Investments
Topic: Market vs. Limit Orders
Replies: 59
Views: 3576

Re: Market vs. Limit Orders

I typically use limit orders in case a weird fluctuation occurs right as I'm placing the order.
by Ron Ronnerson
Sun May 10, 2020 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA question
Replies: 3
Views: 333

Re: Dependent Care FSA question

You should check with your FSA provider but I am prettt sure the daycare needs an EIN. We have used a family member but she had an EIN from previously operating an in home day care. We used an in-home daycare a few years ago and the person who watched our daughter provided us with her social securi...
by Ron Ronnerson
Sat May 09, 2020 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: $2 million dollar house pre requisites
Replies: 109
Views: 9739

Re: $2 million dollar house pre requisites

Edge215 wrote:
Sat May 09, 2020 1:57 pm
I’m talking things like annual income. Savings. Down payment.
The different variables have an affect on each other. For example, greater savings could result in lower income needed. Your age and job stability could be important factors to consider along with the interest rate on the mortgage.
by Ron Ronnerson
Sat May 09, 2020 10:51 am
Forum: Personal Finance (Not Investing)
Topic: How Do Early Retirees Pay for Medical
Replies: 132
Views: 9726

Re: How Do Early Retirees Pay for Medical

My situation is backwards from most. I’m currently employed and get insurance through the ACA. My employer offers health insurance but the employee must pay 100% of the cost. For my family of three, it would cost us $2,000/month to get insurance through my work. In contrast, our share of premiums fo...
by Ron Ronnerson
Fri May 08, 2020 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Best uses of Chase Ultimate Rewards Points
Replies: 28
Views: 3826

Re: Best uses of Chase Ultimate Rewards Points

Kaizen Soze wrote:
Fri May 08, 2020 1:51 pm
I've transferred points to BA. I purchased 3 roundtrips tickets from US to UK for 15k pts + tax each. They would have been $900/ticket.
Wow! Very nice.
by Ron Ronnerson
Fri May 08, 2020 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: 15 year mortgage vs 30 year payoff in 15
Replies: 41
Views: 3374

Re: 15 year mortgage vs 30 year payoff in 15

Edit 1: Adding personal info for perspective. Age: 34 Income:110k (although job is not stable, which is why I want option for future financial flexibility, especially with marriage and kids coming up.) Savings: $120k stocks/bonds 350k in ~2% saving account/CD (my house down payment fund) 400k in 40...
by Ron Ronnerson
Fri May 08, 2020 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Best uses of Chase Ultimate Rewards Points
Replies: 28
Views: 3826

Re: Best uses of Chase Ultimate Rewards Points

Curious as to why so many recommendations on transferring points to airlines. Chase gives you an extra 25% or 50% (depending on card) to book through its portal. Why would you turn this down? I’ve transferred Chase points to Southwest in the past because the rate was better than the extra 50% I cou...
by Ron Ronnerson
Thu May 07, 2020 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $200 from Penfed?
Replies: 52
Views: 5399

Re: Easy $200 from Penfed?

I don’t do debit cards. If that’s the only thing keeping you away, I’d really reconsider. You can usually make the debit car purchases very easily. Go to Amazon or pay a bill with a bunch of small charges. It takes less than 5 minutes and you’re done. You only do this once. It’s an easy $200 minus ...
by Ron Ronnerson
Wed May 06, 2020 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Maximum Interest Rate and Minimum Down Payment You Would Consider Reasonable
Replies: 31
Views: 976

Re: Maximum Interest Rate and Minimum Down Payment You Would Consider Reasonable

Hello all, First time prospective home buyer here looking for advice on purchasing our first home under the following terms. I have been preapproved for a $270k mortgage with only $6,000 down. The current rate I have been approved for is set at 3.75%, and my monthly payment would be nearly $500 che...
by Ron Ronnerson
Wed May 06, 2020 10:21 am
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4408

Re: 2020 travel plans

We’re postponing two trips. We’d planned to go to Las Vegas last month, primarily to see relatives, but also to get some time in at the pool. We’ll go eventually. Our trip to Hawaii has been postponed from this summer to next summer. It’s looking likely that we won’t travel this year.
by Ron Ronnerson
Tue May 05, 2020 9:08 pm
Forum: Personal Investments
Topic: Best online savings bank
Replies: 21
Views: 2845

Re: Best online savings bank

I've been a happy customer with Ally for a long time. I would recommend them.
by Ron Ronnerson
Tue May 05, 2020 4:54 pm
Forum: Personal Investments
Topic: When to put 5k into the market
Replies: 27
Views: 1990

Re: When to put 5k into the market

I have about 5k to put into VTSAX. DCA 1k a week or wait for market to drop 10-20% from where we are today? I'd do it now and not worry about it anymore. A significant market drop may not occur for a while and, by then, you may have missed out on some large returns. Of course, the market could drop...
by Ron Ronnerson
Tue May 05, 2020 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $200 from Penfed?
Replies: 52
Views: 5399

Re: Easy $200 from Penfed?

aristotelian wrote:
Tue May 05, 2020 4:32 pm
I almost feel bad going for this. Like taking candy from a baby.
That's funny! Stop making me feel bad as I intend to do the same.
by Ron Ronnerson
Tue May 05, 2020 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $200 from Penfed?
Replies: 52
Views: 5399

Re: Easy $200 from Penfed?

I don’t do debit cards. If that’s the only thing keeping you away, I’d really reconsider. You can usually make the debit car purchases very easily. Go to Amazon or pay a bill with a bunch of small charges. It takes less than 5 minutes and you’re done. You only do this once. It’s an easy $200 minus ...
by Ron Ronnerson
Tue May 05, 2020 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from High taxed state to no income tax state
Replies: 44
Views: 3104

Re: Moving from High taxed state to no income tax state

There are far more important things than the taxes charged in determining where to live. Proximity to family, weather, traffic, culture, as-mentioned employment, COL, etc. Far, far too much consideration is given to this one. Sure it can be a factor, but it appears it's too great a factor here. Thi...