Search found 320 matches

by mister_sparkle
Thu Jul 16, 2020 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 782
Views: 72147

Re: My LenderFi refinance is going well

I had my remote closing on Monday 7/13 (2.875%, 30 yr), but have not heard anything since. Anyone know what the timeline is for funding a refi? Did you request for remote closing or are they doing it because of Covid virus issue ? How was the experience with remote closing ? Never done it before. P...
by mister_sparkle
Thu Jul 02, 2020 12:07 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 782
Views: 72147

Re: My LenderFi refinance is going well

Applied on 3/2 but they went radio silent due to the crush of applications. Got an update on 3/23: "The Fed announced that it would start unlimited bond buying which should bring the rates back down. If we can wait a few days I would love to lock you in at the rate you applied." So, here I am, wait...
by mister_sparkle
Wed May 06, 2020 7:10 pm
Forum: Personal Investments
Topic: Fidelity brokerage account
Replies: 7
Views: 598

Re: Fidelity brokerage account

Your CMA required a brokerage account so you already have one. Buy some ETFs! Like VTI or ITOT. AGG, ITOT and IXUS are my jam. :sharebeer There is a Fidelity ad airing now that shows some more advanced researching features in their brokerage accounts, so that's what I was interested in viewing. I m...
by mister_sparkle
Wed May 06, 2020 7:05 pm
Forum: Personal Investments
Topic: Fidelity brokerage account
Replies: 7
Views: 598

Re: Fidelity brokerage account

I am well aware. I was merely asking a question about the differences between the 2 different types of accounts.
by mister_sparkle
Wed May 06, 2020 6:57 pm
Forum: Personal Investments
Topic: Fidelity brokerage account
Replies: 7
Views: 598

Fidelity brokerage account

I currently have a few accounts with Fidelity like some IRAs, an HSA, plus an individual account with a cash management feature. How does a brokerage account with Fidelity differ from what I have now? Is there any downside to opening a brokerage account, assuming I decide to get into more active tra...
by mister_sparkle
Mon Apr 06, 2020 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 782
Views: 72147

Re: My LenderFi refinance is going well

Applied on 3/2 but they went radio silent due to the crush of applications. Got an update on 3/23: "The Fed announced that it would start unlimited bond buying which should bring the rates back down. If we can wait a few days I would love to lock you in at the rate you applied." So, here I am, wait...
by mister_sparkle
Fri Mar 27, 2020 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 13083

Re: How are you going to use your stimulus money?

I filed my 2019 taxes already, so I'm getting bupkiss.

Otherwise, if it were based on 2018 AGI, I was going to donate whatever I got to local music venues to help pay their staffs.
by mister_sparkle
Thu Mar 26, 2020 8:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 7571
Views: 613448

Re: New Bull Market!

Highest jobless claims in the history of our nation and peak of the coronavirus is still 3-4 weeks away. Yes, this is definitely the start of a bull market. +also, the U.S. now the nation with the most confirmed cases of COVAD-19, yet the market jumped almost 6% today. We're living in Bizarro world.
by mister_sparkle
Wed Mar 25, 2020 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 782
Views: 72147

Re: My LenderFi refinance is going well

Applied on 3/2 but they went radio silent due to the crush of applications. Got an update on 3/23: "The Fed announced that it would start unlimited bond buying which should bring the rates back down. If we can wait a few days I would love to lock you in at the rate you applied." So, here I am, waiti...
by mister_sparkle
Wed Mar 25, 2020 8:50 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 64332

Re: So bottom is probably behind us....right?

We're only back to late 2018 price levels. The pandemic numbers are going to become very alarming over the next week or two. Unemployment figures are going to be brutal, and the run on the hospital systems is going to be very bad. And large swaths of the country are not adopting very stringent stay-...
by mister_sparkle
Tue Mar 24, 2020 11:14 pm
Forum: Investing - Theory, News & General
Topic: Todays +10 percent gain from QE?
Replies: 52
Views: 3967

Re: Todays +10 percent gain from QE?

My sense is that people are not pricing in a pandemic that overwhelms our medical system and eventually effectively shutting down most economic activity in almost every state, at least for a few months and possibly much longer. Today was a classic DCB. This situation is not temporary, and will not b...
by mister_sparkle
Sun Mar 08, 2020 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 46677

Re: 30 year mortgage under 3%

I have made literally one payment on my 3.625% 30-year mortgage. Am I insane for even considering a re-fi? Someone else who knows more can chime in, but I'm told there is a "seasoning period" of time where you can't refinance. One broker told me 6 months. I'm not in the industry so don't know for a...
by mister_sparkle
Sun Mar 08, 2020 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 46677

Re: 30 year mortgage under 3%

I received this in an e-mail from LenderFi yesterday: Thank you for applying with LenderFi! Given the unprecedented number of homeowners trying to refinance right now due to the low rates, it is taking us longer than usual to call everyone right back. Due to the slight delay, we will be giving every...
by mister_sparkle
Fri Mar 06, 2020 7:42 pm
Forum: Investing - Theory, News & General
Topic: I once held a stock that went to zero
Replies: 24
Views: 2217

Re: I once held a stock that went to zero

Years ago before the Boglehead style of investing, I once held a stock that went bankrupt and was sued for the dividends the stock paid over several years. Was in no way involved in management or employment of the company. Said it was a fraudulent transfer, a number of people were sued for the same...
by mister_sparkle
Mon Mar 02, 2020 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 46677

Re: 30 year mortgage under 3%

Thanks for the LenderFi recommendation. I checked them out and they were offering a 30-year 3.125% re-fi with a net cost of $0 after lender credits, so I pulled the trigger and applied and was conditionally approved. This will lop off about $48,000 in interest over the life of the loan and reduce m...
by mister_sparkle
Mon Mar 02, 2020 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 46677

Re: 30 year mortgage under 3%

Thanks for the LenderFi recommendation. I checked them out and they were offering a 30-year 3.125% re-fi with a net cost of $0 after lender credits, so I pulled the trigger and applied and was conditionally approved. This will lop off about $48,000 in interest over the life of the loan and reduce m...
by mister_sparkle
Mon Mar 02, 2020 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 46677

Re: 30 year mortgage under 3%

Thanks for the LenderFi recommendation. I checked them out and they were offering a 30-year 3.125% re-fi with a net cost of $0 after lender credits, so I pulled the trigger and applied and was conditionally approved. This will lop off about $48,000 in interest over the life of the loan and reduce my...
by mister_sparkle
Fri Feb 28, 2020 12:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19474
Views: 2697244

Re: U.S. stocks in free fall

Trying to do a little rebalancing in my IRA by selling bonds and buying stocks.

How many days does it take for Fidelity's trades to be settled so that I can use the cash?
by mister_sparkle
Wed Feb 26, 2020 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 46677

Re: 30 year mortgage under 3%

I have made literally one payment on my 3.625% 30-year mortgage.

Am I insane for even considering a re-fi?
by mister_sparkle
Tue Feb 25, 2020 4:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19474
Views: 2697244

Re: U.S. stocks in free fall

Well, I'm now overweighted on bonds for what feels like the first time in history for me.
by mister_sparkle
Sun Feb 23, 2020 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Large attic - to finish or not finish?
Replies: 33
Views: 2272

Re: Large attic - to finish or not finish?

Yes, the windows do open.
by mister_sparkle
Sun Feb 23, 2020 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Large attic - to finish or not finish?
Replies: 33
Views: 2272

Re: Large attic - to finish or not finish?

Looks like a great house. Kind of surprising that part of the upper floor was finished but part was left as an attic (instead of the entire floor as an attic). Just curious, what is underneath the unfinished attic part? Is it finished living space or perhaps an unheated area like the garage? The ga...
by mister_sparkle
Sun Feb 23, 2020 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Large attic - to finish or not finish?
Replies: 33
Views: 2272

Re: Large attic - to finish or not finish?

UpperNwGuy wrote:
Sun Feb 23, 2020 7:25 pm
Why can't you work out in an unfinished attic? It already looks nicer than the gym where I work out.
I just think a bare-bones area would not be nearly as enticing to working out, which I'm not the biggest fan of.
by mister_sparkle
Sun Feb 23, 2020 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Large attic - to finish or not finish?
Replies: 33
Views: 2272

Re: Large attic - to finish or not finish?

Anything from #1-3 is fine depending on your budget and if the space is per code structurally for that use. If up to code, what I would do: Bring up the stairway access to code. Finish it. Do everything right. You will be glad for the effort. Be sure to soundproof and pad the floor so thumping and ...
by mister_sparkle
Sun Feb 23, 2020 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Large attic - to finish or not finish?
Replies: 33
Views: 2272

Large attic - to finish or not finish?

I purchased a new house in December that has very large unfinished second-floor attic. It's approximately 25' x 25' -- I've included pictures below that show the depth of it and the framing situation/flue piping on the sides. It is not insulated at the moment and only has 2 bare lightbulbs in the mi...
by mister_sparkle
Thu Feb 20, 2020 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8995-A
Replies: 8
Views: 776

Re: Form 8995-A

FYI, in TurboTax, form 8995-A is now final.
by mister_sparkle
Fri Feb 07, 2020 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Tax return questions around taxes on promotions, foreign dividend, and sales tax
Replies: 6
Views: 449

Re: Tax return questions around taxes on promotions, foreign dividend, and sales tax

When I had a small business, it was on a cash basis for accounting, so I deducted the sales tax amount from the prior year, which was paid in the current year. So you mean collected sales tax for Jan - Dec 2017, and paid that in 2018 (2017 tax return)? I meant that, on my 2018 tax return, I deducte...
by mister_sparkle
Fri Feb 07, 2020 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax return questions around taxes on promotions, foreign dividend, and sales tax
Replies: 6
Views: 449

Re: Tax return questions around taxes on promotions, foreign dividend, and sales tax

When I had a small business, it was on a cash basis for accounting, so I deducted the sales tax amount from the prior year, which was paid in the current year.
by mister_sparkle
Wed Feb 05, 2020 9:01 pm
Forum: Personal Consumer Issues
Topic: Vacationing to Palm Springs, CA in two weeks. Advice?
Replies: 24
Views: 2231

Re: Vacationing to Palm Springs, CA in two weeks. Advice?

Hit up Pappy & Harriet's in Pioneertown.

An old one-horse town up in the hills where they used to film westerns and some TV shows, that's now a tiny town of just a few streets.

P&H occasionally book good music (mostly alternative/indie). Nice little spot.
by mister_sparkle
Tue Feb 04, 2020 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Have I overcontributed to my HSA?
Replies: 1
Views: 266

Have I overcontributed to my HSA?

I received 2 5498-SA forms for 2019 showing my HDHP HSA contributions. Employer 1: $2623 - individual plan thru September Employer 2: $1145 - "family" plan (me + my gf, technically my domestic partner), from 10/1 on Total: $3768 Employer 2 made a $375 contribution to my account, which I was not plan...
by mister_sparkle
Mon Feb 03, 2020 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Question about repayment to former employer
Replies: 0
Views: 299

Question about repayment to former employer

I left my previous employer in September. A month after I resigned, I was contacted by the HR department advising me that I needed to repay them for vacation days that I had not yet accrued. Gross amount was around $5K, net amount around $2600. I wasn't provided any sort of pay stub that showed the ...
by mister_sparkle
Wed Jan 29, 2020 9:54 pm
Forum: Personal Investments
Topic: What to do with VTSAX dividends?
Replies: 9
Views: 1451

Re: What to do with VTSAX dividends?

Is this in a taxable account? If so, no matter if you take the dividends in cash or reinvest them, they will count towards taxable income. Typical advice is to take taxable dividends in cash, and then purchase new shares every once in a while, to reduce the burden of keeping track of all those separ...
by mister_sparkle
Wed Jan 29, 2020 2:11 pm
Forum: Investing - Theory, News & General
Topic: Fidelity lets clients now trade fractional shares of stocks and ETFs
Replies: 180
Views: 17432

Re: Fidelity lets clients now trade fractional shares of stocks and ETFs

It's threads like this that make reading and posting here so great, so thanks for the heads-up.

How can we tell if we're able to purchase partial ETF shares? Right now my Trade screen looks the same as it did before.
by mister_sparkle
Tue Jan 28, 2020 8:53 pm
Forum: Investing - Theory, News & General
Topic: Stupid mistake leads to even more stupid leverage idea
Replies: 9
Views: 1239

Re: Stupid mistake leads to even more stupid leverage idea

I'm pretty sure you need to withdraw any gain you made on the excess contributions. I'm dealing with that for 2019, and there are penalties of 10% and 6% that are hitting me for the minor amount I gained.
by mister_sparkle
Tue Jan 21, 2020 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard tax documents now becoming available
Replies: 32
Views: 3832

Re: Vanguard tax documents now becoming available

I received a notification from Vanguard today that my 1099-B and 1099-DIV forms were ready.

Interestingly, Fidelity has now pushed back my 1099 consolidated form to 2/15, stating that it's due to a delay in reporting from Vanguard (I hold 3 VG funds in my Fidelity account). A week ago, it said 1/25.
by mister_sparkle
Mon Jan 20, 2020 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2019 1099-INT Account Numbers
Replies: 7
Views: 815

Re: H&R Block 2019 1099-INT Account Numbers

Pretty sure the IRS only cares about the amount declared and that it matches the 1099 that was issued.
by mister_sparkle
Mon Jan 13, 2020 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Gain on excess Roth contribution -- lived in 2 states
Replies: 1
Views: 128

Gain on excess Roth contribution -- lived in 2 states

I am trying to determine how I should divide the taxable gain portion of the return of excess Roth IRA contributions I made in 2019. Contributed $3750 on 1/2/19 and $3250 on 2/28/19, totalling $7000. Moved from IL to NC at the end of September. Removed the $7000 contribution + a gain of $810 on 11/2...
by mister_sparkle
Wed Jan 08, 2020 7:49 pm
Forum: Personal Investments
Topic: Tax documents - IRA moved from Fidelity to Merrill Edge
Replies: 5
Views: 358

Re: Tax documents - IRA moved from Fidelity to Merrill Edge

I moved my investments from Vanguard to Fidelity in November 2019.

In January 2019 I took my RMD from an inherited IRA. I'm assuming I'll get my 1099-R from Vanguard, not Fidelity -- is that correct?
by mister_sparkle
Wed Jan 01, 2020 12:53 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3136
Views: 543325

Re: What are you up YTD? [Year To Date]

Up 22.2% in 2019.

50% US stock
20% International stock
30% Bonds

:sharebeer
by mister_sparkle
Mon Dec 30, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Pivot table help
Replies: 4
Views: 418

Re: Pivot table help

Like this:

Image

Image
by mister_sparkle
Sat Dec 28, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37902

Re: Turbotax 2019 on Amazon

I purchased TurboTax Deluxe with one state's return. I moved from Illinois to North Carolina in September and I am wondering which state I should use the TT return function for, or if it doesn't matter at all. Both IL and NC have a state income tax; I rented in Illinois and bought a house this month...
by mister_sparkle
Fri Dec 20, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: New home not included in USPS database - minor headache
Replies: 21
Views: 1852

Re: New home not included in USPS database - minor headache

I have an answer from my local AMS -- the address should be in the system in a month. I guess I'll just wait it out.
by mister_sparkle
Fri Dec 20, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: New home not included in USPS database - minor headache
Replies: 21
Views: 1852

Re: New home not included in USPS database - minor headache

We were the first to move into a new home on our street this June. USPS improperly recorded the street name in their database- it was similar but not quite right. I was able to get it fixed on their side with a 5 minute call to the local Address Management System office. You may have similar succes...
by mister_sparkle
Thu Dec 19, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: New home not included in USPS database - minor headache
Replies: 21
Views: 1852

Re: New home not included in USPS database - minor headache

wouldn't a developer for a new subdivision be 'required' to manage this when they are getting all the permits to develop? seems logical that should be part of that process? to me at least? esp when forming a new road, cul de sac etc I don't know the history. There seems to be a lack of communicatio...
by mister_sparkle
Thu Dec 19, 2019 5:36 pm
Forum: Personal Consumer Issues
Topic: New home not included in USPS database - minor headache
Replies: 21
Views: 1852

New home not included in USPS database - minor headache

I recently moved into a new construction house on a new street that was built in the past year. Approximately 8 houses in my new subdivision are occupied with 1 or 2 a month becoming occupied. I discovered an issue when I tried to submit a change of address online at usps.com, when the website could...
by mister_sparkle
Sat Dec 14, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 49
Views: 17781

Re: Purchasing Major Appliances from Costco

I'm having a new LG washer/dryer combo from Costco delivered this week. My SO says that we need to purchase, separately, a power cord for it, while I don't see any language anywhere in my ordering info that this needs to be done. Seems to me to be an important thing to mention, especially if install...
by mister_sparkle
Fri Dec 13, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity app now has fingerprint login
Replies: 30
Views: 4265

Re: Fidelity app now has fingerprint login

Fingerprint login hasn't worked for me on Fidelity's app in well over a month...anyone else experiencing this?
by mister_sparkle
Mon Dec 09, 2019 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: $1.05 fee for changing my address?
Replies: 23
Views: 3642

Re: $1.05 fee for changing my address?

If you submit the change online, USPS mails you a bunch of coupons for places like Crate & Barrel, Lowe's, etc., all of whom are worth potentially hundreds of $ in savings. I moved recently and saved a boatload.
by mister_sparkle
Tue Dec 03, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Most "vanguard like" HSA provider
Replies: 30
Views: 2766

Re: Most "vanguard like" HSA provider

Just switched jobs and moved my old HSA to Fidelity. It took about 2 weeks (I blame the prior custodian) but 'twas painless.