Search found 196 matches

by Raladic
Mon Mar 12, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and online passwords.
Replies: 31
Views: 2374

Re: Fidelity and online passwords.

I would pick someone else, but do you think I can convince my employer to move my 401k to Vanguard? I wouldn't move to Vanguard for more security, as an example, Vanguard only offers text-based 2 Factor Authentication (which security experts including the National Institute of Standards and Technol...
by Raladic
Fri Mar 09, 2018 12:45 am
Forum: Investing - Help with Personal Investments
Topic: Can I take an 85+% pay cut for fun?
Replies: 80
Views: 10170

Re: Can I take an 85+% pay cut for fun?

Maybe you could tell us a little about the type of job that you're so passionate about but would only pay 35k. This sounds like a terrible idea and you should find some other way to enrich your life. At the very least, I would suggest working at your current or similar job until you hit your FI num...
by Raladic
Thu Mar 08, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: 30 year fixed vs 7 year ARM
Replies: 37
Views: 3371

Re: 30 year fixed vs 7 year ARM

So the main question you need to ask yourself is, if the market keeps going back to normal, your interest rate may very well be 8.5%, at which point your monthly payment will be $5882 on the ARM - are you still going to be comfortable with that payment? The payment at 8.5% isn't 5882. It is about 5...
by Raladic
Tue Mar 06, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: 30 year fixed vs 7 year ARM
Replies: 37
Views: 3371

Re: 30 year fixed vs 7 year ARM

Thank you all for all the responses. I gathered a few more details, and read a little more about the ARMs so I truly understand them. A bit more about our situation: we do and will continue to max out all our tax advantaged accounts (401k, HSA, 529 if/when we have kids) and we save extra in a taxab...
by Raladic
Thu Mar 01, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Perrenial question - pay off mortgage or not
Replies: 27
Views: 2810

Re: Perrenial question - pay off mortgage or not

Given that you are married and under the new tax law will get $24k Standard deduction, it is unlikely you will even itemize the primary home, unless you have a lot of (up to the new max of $10k) property taxes and charitable giving, since if you only have 3 years left on your mortgage, you have very...
by Raladic
Thu Mar 01, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Pre-approval needed 3+ credit card accounts to show credit history
Replies: 17
Views: 1322

Re: Mortgage Pre-approval needed 3+ credit card accounts to show credit history

How can you have a good credit score if you don’t use credit? Since he's an authorized user (AU) on his wife's cards and most CC companies report that, he will have a credit score based on that. However in this case the bank is not just looking at the score but also the actual core of the report an...
by Raladic
Thu Mar 01, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 17059

Re: How much cash do you keep at any time on checking?

The checking account allows unlimited transactions. The savings account only allows six per month. This seems to be a universal rule for savings accounts. Is it a law or just a common restriction? It is federal law - set by the Federal Reserve under 204.2(d)(2) of Regulation D: 204.2(d)(2) The term...
by Raladic
Mon Feb 26, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 13935

Re: Two- Factor Authentication at Vanguard

I use Fidelity, not Vanguard and use their 2-factor auth, which is a proper application (Symantec VIP) generating the keys. If Vanguard only offers SMS-based, then do be warned that that is only marginally better than password alone. Many security researchers have come to that conclusion a good whil...
by Raladic
Tue Nov 21, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Outback
Replies: 24
Views: 4494

Re: Honda CR-V vs Subaru Outback

I was previously in a similar situation and was looking between CRV and Subaru, but eventually ended up with the Outback 2017 last year. I have the 2017 Outback for a bit over a year now and it's great. I've taken it for a long skiing trip across states with 4 adults, luaggage and ski rack on the ro...
by Raladic
Wed Nov 15, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 250
Views: 32950

Re: Why pay cash for a car?

If the goal is becoming a millionaire, pay cash for a used car until your net worth is over $1M. The cheaper the car, the better, because all automobiles depreciate in value rapidly. Financing a $40,000 new car at 0% is awful financially vs. paying cash for a used $20,000 car. Sure maybe, but that ...
by Raladic
Mon Nov 13, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: IPHONE 8, X
Replies: 39
Views: 3095

Re: IPHONE 8, X

The X gives you a bigger screen in a smaller form factor since there is basically no bezel on any side. FaceID also works really well and I don't miss the fingerprint sensor. Some apps have not yet updated to the new screen, so they show a black bar at the bottom, but a lot of apps have been updated...
by Raladic
Mon Nov 13, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: POAs vs brokerage reimbursement guarantees
Replies: 5
Views: 668

Re: POAs vs brokerage reimbursement guarantees

The right to recover your password sounds different to sharing your password to me?
by Raladic
Wed Sep 20, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: 30yr Mortgage Refi Rates
Replies: 16
Views: 2988

Re: 30yr Mortgage Refi Rates

Provident Funding - https://www.provident.com/

I've refinanced with them 3 times now and their price is very good and process very simple and online.
by Raladic
Tue Aug 22, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 6566

Re: Eclipse Traffic: predictions vs reality?

Some colleagues reported that it took them over 9 hours to return from Salem,OR to Seattle, WA, so that's more than double the time.
by Raladic
Wed Aug 02, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: belts for dress pants
Replies: 37
Views: 3368

Re: belts for dress pants

I have a Mission Belt - https://missionbelt.com/

I actually learned about them on Sharktank and it's a great belt, good quality and super adjustments without holes.
by Raladic
Fri Jul 21, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Chipping away at the mortgage
Replies: 48
Views: 10913

Re: Chipping away at the mortgage

Because I don't think it is worth paying all of the costs to refi to a 15 yr for the amount of time I would have the loan. If I make a $104,000 payment, and continue to make the $800 monthly payments, my mortgage would be paid off in a little more than 10 years (and that's from the beginning of the...
by Raladic
Mon Jul 17, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 71
Views: 5836

Re: Essential Bike (bicycle) Accessories

100% buy a front and rear light, they can be had for less than $10 per set. I put them on blink every time I ride , including during the day. Just note that this is illegal in many states . Most rules of the road forbid blinking lights in the front, so I suggest you check your states rules first. A...
by Raladic
Mon May 22, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: To auto loan or not to auto loan?
Replies: 23
Views: 2450

Re: To auto loan or not to auto loan?

Depends on the car you will actually get. There will be cases where the dealer will not give you a better price for paying cash, but they may have better than your 2% financing. In my case I got 0% for 48 months, so I just took that, put the maximum down on my credit card to make some free cashback ...
by Raladic
Fri May 12, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should I convert to roth ira?
Replies: 13
Views: 1679

Re: Should I convert to roth ira?

I have a small amount ($4,836) in a Traditional IRA started in 2015 (put in $4,600). I may be in on the 28% tax bracket in a few years and think it might be wise to convert now while at 25%. I am 35, single , steady position/company for 11 years. Be sure to also include your state taxes in your pla...
by Raladic
Wed Jan 11, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: tIRA or rIRA - changing household income
Replies: 1
Views: 279

Re: tIRA or rIRA - changing household income

Yes you should be able to open one now, the Brokerage doesn't care (or know) about your limits for account opening. The limits only matter with regards to contributions. Yes it may make sense to still open a Roth IRA if you anticipate that you will stay in this higher tax bracket for a while, as it ...
by Raladic
Tue Jan 10, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 63
Views: 11141

Re: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

I did it this year.
Took about 30 minutes in the branch, I gave him a check for the $15,000 for the savings account and all was good, easy.
by Raladic
Mon Jan 09, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 36264

Re: Chase Sapphire Reserve: Too good to be (completely) true

What reason did they give you for the refusal? Lack of recent installment loan info Too few accounts currently paid as agreed - we have 2 accounts which are always paid in full each month Balances on revolving accounts are too high compared with credit limits - we don't carry any balances Too many ...
by Raladic
Tue Nov 29, 2016 8:04 pm
Forum: Personal Consumer Issues
Topic: Money and Phone Abroad
Replies: 23
Views: 2644

Re: Money and Phone Abroad

I went to University in England myself. She should get a bank account once she is there, pretty much all banks in England offer a free bank account for students, all she will need to bring is a letter from the University to confirm she's studying there and they will open an account on the spot for h...
by Raladic
Tue Nov 29, 2016 5:54 pm
Forum: Personal Consumer Issues
Topic: Artificial Christmas tree
Replies: 27
Views: 2876

Re: Artificial Christmas tree

I have a 6.5" artificial tree, it comes apart into 3 sections and the branches fold up, so it fits into a box that's about 4ft long and 10x10in wide. I have a separate chain of lights to put on, which really only takes a minute and if they ever fail I just replace them easily, but the tree will stil...
by Raladic
Tue Nov 29, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Credit Card bonuses
Replies: 19
Views: 3503

Re: Credit Card bonuses

I just got a $500 bonus from the chase sapphire preferred and another $500 for my wife. $1000 for doing almost nothing differently was pretty nice. I'm new to this. How many different cards per year can you do this on and not have your credit score drop significantly? I hear stories of people "ruin...
by Raladic
Tue Nov 22, 2016 7:52 pm
Forum: Personal Consumer Issues
Topic: How Much Housing Payment Can a Boglehead Afford?
Replies: 90
Views: 7074

Re: How Much Housing Payment Can a Boglehead Afford?

This is very area specific. If you live in a HCOL area, you may very well have to spend more than a prescribed formula, unless you want to do a 1-2 hour commute each way. Just as KlangFool said - you should get something that meets your housing needs and makes financial sense in terms of rent-vs-buy...
by Raladic
Tue Nov 22, 2016 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 144
Views: 24423

Re: TaxAct pre-purchase discount

I pre-ordered a few months ago at $23.99 for download Plus version.

More than last year, but still less than half of competing products..
by Raladic
Tue Oct 18, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Wireless Headphones
Replies: 17
Views: 2168

Re: Wireless Headphones

Keep in mind that signal transmitting (wireless) devices have to be turned off during take-off, taxi and landing per FAA regulations.
by Raladic
Mon Oct 17, 2016 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing After 1 Year
Replies: 39
Views: 3961

Re: Refinancing After 1 Year

Yes it's a good idea and no there is no catch, rates just have gone down a little bit.

However, 3.75% sounds high.
https://www.provident.com is quoting 3.25% at the moment, so you should be able to get 3.5% pretty much at no cost.
by Raladic
Mon Oct 17, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 32306

Re: How much is your cell phone bill?

Carrier: Verizon
Number of Lines: 1
Unlimited text msgs: Yes
4G Data?: Yes 2gb/month +rollover from the previous month
Monthly Cost (including taxes): $53

Reception is very important for me, I go skiing in the mountains a lot, so certain carriers like T-mobile are not an option.
by Raladic
Tue Oct 04, 2016 6:56 pm
Forum: Personal Consumer Issues
Topic: Credit cards that have annual fee's, do you have any?
Replies: 55
Views: 6451

Re: Credit cards that have annual fee's, do you have any?

Chase Sapphire Preferred ($95).
The travel benefits are pretty valuable and also this card (as one of the very few) has primary rental car insurance.
by Raladic
Tue Oct 04, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: 0% Financing on new car (Subaru)...how much to put down upfront?
Replies: 13
Views: 1770

Re: 0% Financing on new car (Subaru)...how much to put down upfront?

I purchased a Subaru a couple years back with a similar deal, 0% on a 48 month loan. I put the most down I could on my CC for points, then nothing else. This is exactly what we did, 2 months ago, even though we could have paid with cash. +1 I did just that a few weeks ago, that way you earn an inst...
by Raladic
Wed Sep 21, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Prepay Mortgage: Does the length of time you live in the home matter?
Replies: 29
Views: 3420

Re: Prepay Mortgage: Does the length of time you live in the home matter?

Looks to me like it's right on target for the OP. They're talking about refinancing to a 10 year mortgage, which would make their minimum mortgage payment about $2345 more than their current payment for P&I. Plus they say "...After taxes and expenses we have 12 - 15k a month..." [/color] ...And for...
by Raladic
Tue Sep 20, 2016 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Prepay Mortgage: Does the length of time you live in the home matter?
Replies: 29
Views: 3420

Re: Prepay Mortgage: Does the length of time you live in the home matter?

To give you an example: If you owe $475,000 at 3.25% with 28. years remaining the payment for P&I is $2154.94 per month, and the total interest paid will be $249,061. If you were to pay $2,500 per month extra to reduce the principal balance starting now, the $4654.94 per month will pay it off in 11...
by Raladic
Wed Aug 10, 2016 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: My friend doesn't meet the requirements for a conforming loan.
Replies: 32
Views: 2972

Re: My friend doesn't meet the requirements for a conforming loan.

Sell the house. Start fresh. That is probably the best advise. You're saying you can't find a broker in your area - you don't necessarily need to meet with one in person - nowadays you can just refinance online, pretty much via email and in the end a notary will come out to sign the papers. It woul...
by Raladic
Wed Aug 10, 2016 6:18 pm
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 76
Views: 7400

Re: Fidelity customers: Have you experienced pressure to buy active funds?

I'm with Fidelity for 6 years and they've never tried to upsell me, so short and longer answer is no - in fact even on their homepage the main banner does quite the opposite, it advertises low cost index funds - https://www.fidelity.com/mutual-funds/investing-ideas/index-funds (that are in fact chea...
by Raladic
Mon Apr 18, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Laptop - Touch Screen?
Replies: 22
Views: 2316

Re: Laptop - Touch Screen?

I have a convertible 10" laptop/tablet at home where I can rip off the keyboard when I only need the tablet portion and I find the touchscreen very handy even with the keyboard attached for when I'm browsing on the couch, basically I use the keyboard for typing but the touchscreen for clicking aroun...
by Raladic
Thu Apr 07, 2016 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Underwater Mortgage Cash-in refinance
Replies: 7
Views: 1028

Re: Underwater Mortgage Cash-in refinance

Are you sure the new quote at 95% LTV doesn't require PMI?

If there's PMI involved then your calculation will look different since either your closing costs or your monthly costs will be higher.
by Raladic
Fri Apr 01, 2016 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 135
Views: 27909

Re: Renting forever: financial suicide?

you can stay in a rental indefinitely, you are not forced to move every few years. landlords like stable renters. That really depends on the area you live in. In the greater Seattle area, rents usually go up by $200 or more per month at renewal time, so very few people stay in an apartment more tha...
by Raladic
Mon Mar 28, 2016 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: What is your current Cash to Investment ratio?
Replies: 112
Views: 9689

Re: What is your current Cash to Investment ratio?

It's an interesting question. So far most people replied with very low percentages, which leads me to believe they are much later in their stage of life. I'm in my 20s so just started recently and my ratio is much higher at 28% at the moment. While some people mentioned credit cards as emergency fun...
by Raladic
Fri Mar 25, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: sell now or wait for $35,000?
Replies: 16
Views: 3050

Re: sell now or wait for $35,000?

Do it sooner rather than later, but also make sure that you have a signed copy of satisfaction of claims when handing over the check from her to be filed with the court so you have proof that you have satisfied the ordered conditions of the court.
by Raladic
Thu Mar 24, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: $184,000? How do you like your cell phone now?
Replies: 59
Views: 7573

Re: $184,000? How do you like your cell phone now?

So are you willing to give up 184,000 at retirement for a phone? Thoughts? I just redid the math and come out considerably less at $26,410 given up for choosing to upgrade to the latest IPhone every year for a 40 year until retirement time span. Phone plan: Cricket at $35 (including all taxes and f...
by Raladic
Wed Mar 16, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Best Value TV purchase
Replies: 38
Views: 4373

Re: Best Value TV purchase

I'd say Vizio is great value, most of them are already Smart so will provide you with access to Netflix, Amazon and the likes.

Costco usually has a couple of options in stock.
by Raladic
Mon Mar 14, 2016 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Bigger mortgage for lower rate?
Replies: 7
Views: 1168

Re: Bigger mortgage for lower rate?

You're mentioning the rate, but is it also the APR? Aka if the closing costs are the same in as such the APR for the Jumbo then would also be lower real, then absolutely, put less down, get the Jumbo loan with the better rate and then just pay down a large amount towards the principal once the mortg...
by Raladic
Sat Feb 27, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Citibank wants tax returns for a credit card???
Replies: 50
Views: 11905

Re: Citibank wants tax returns for a credit card???

However, as I understand it, multiple pulls within a 45 day period do not hurt your credit as it is considered shopping around. I am not clear that this would be considered another hard pull either anyway. I'd be careful about that, there is shopping around for Mortgages, and the inquiries will lis...
by Raladic
Sun Feb 21, 2016 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Tax and penalty on changing to roth ira
Replies: 18
Views: 1650

Re: Tax and penalty on changing to roth ira

Was the IRA deductible or non Deductible? If it was a deductible then yes, converting to a Roth would be a taxible distribution. YB OP didn't do a Conversion - or at least that is not what he intended. Perhaps but 1099-R indicates that's what is was counted as. Probably time to call a VG rep. YB Is...
by Raladic
Sat Feb 20, 2016 12:05 am
Forum: Personal Consumer Issues
Topic: Uber, Lyft, or car-for-hire from Seattle Airport?
Replies: 17
Views: 2626

Re: Uber, Lyft, or car-for-hire from Seattle Airport?

At usually $24 to downtown Uber is far preferable to taxi or towncar, and faster. So you're jumping through hoops to save $5? If you want to travel in a car, then Eastside for hire is the cheapest option out there full stop. For Bellevue it's $35 flat rate, you just pre book from the website. http:...
by Raladic
Thu Feb 18, 2016 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Flyer miles worth it?
Replies: 40
Views: 4223

Re: Flyer miles worth it?

Sometimes a mile in flyer rewards is worth more than the nominal $0.01 when redeemed for travel, so yes, it can be worth it.
by Raladic
Tue Feb 16, 2016 2:34 am
Forum: Personal Finance (Not Investing)
Topic: How to save money and keep the house clean?
Replies: 48
Views: 7354

Re: How to save money and keep the house clean?

If your house is mostly flat, maybe look at a robot vacuum, takes one less thing to do and will pay for itself with the time you save and can dedicate to other things.