Search found 240 matches

by d0gerz
Thu Mar 19, 2020 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: CSR travel insurance coverage? Stuck in Ecuador.
Replies: 20
Views: 1887

Re: CSR travel insurance coverage? Stuck in Ecuador.

From reading the benefits guide I do not believe you have any coverage for this via your card. Trip delay insurance is for a delay in travel. Your flight was delayed by 6 hours or more. Your flights are cancelled not delayed. You may be able to collect on this but a good question for Chase. Trip ca...
by d0gerz
Thu Mar 12, 2020 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 810
Views: 77951

Re: Refinance Mega Thread

You need to provide new money at closing and you’ll get a check from your current mortgage holder with your existing escrow balance. I’m told that usually takes 1-3 weeks. Thanks, that makes sense. I'm wondering how people account for this new money in terms of monthly budgeting. Just consider it a...
by d0gerz
Thu Mar 12, 2020 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 810
Views: 77951

Re: Refinance Mega Thread

Question for those who have done this before: what are the mechanics of coming up with the escrow deposit for the refinance? I have money currently in escrow, can't I simply use this and roll it forward, if you will? Or does the process have to start all over again with 'new' money? In which case, w...
by d0gerz
Fri Mar 06, 2020 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 810
Views: 77951

Re: Refinance Mega Thread

I’m about 5 months in on a 30-yr fixed 3.75% loan of 350k. Lender contacted me today offering a no fee refinance at 3.375%. I’m in MA. This is a no-brainer right? Sure I could hold off to see if rates drop more but I already stand to save ~$75 a month. At the cost of a credit pull and extending loa...
by d0gerz
Mon Mar 02, 2020 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 810
Views: 77951

Re: Refinance Mega Thread

I’m about 5 months in on a 30-yr fixed 3.75% loan of 350k. Lender contacted me today offering a no fee refinance at 3.375%. I’m in MA. This is a no-brainer right? Sure I could hold off to see if rates drop more but I already stand to save ~$75 a month. At the cost of a credit pull and extending loan...
by d0gerz
Thu Feb 27, 2020 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 273
Views: 38399

Re: 30 year mortgage under 3%

I have a question. When people refinance for 'zero costs/no origination fee' does it really mean you paid nothing to refinance? What about things like recording fee, appraisal, lender's title insurance, etc. all these extra things I had to pay for when getting my first mortgage? Are people able to ...
by d0gerz
Wed Feb 26, 2020 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 273
Views: 38399

Re: 30 year mortgage under 3%

I have a question. When people refinance for 'zero costs/no origination fee' does it really mean you paid nothing to refinance? What about things like recording fee, appraisal, lender's title insurance, etc. all these extra things I had to pay for when getting my first mortgage? Are people able to h...
by d0gerz
Tue Feb 11, 2020 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Donor advised fund / donating appreciated shares
Replies: 17
Views: 898

Re: Donor advised fund / donating appreciated shares

Regarding your question #5 - its a good one - i am assuming (and interested in others' answers as i dont know) that it would be the AGI for the same year you are making the donation (so if donating this year, then would need to be below 30% of this years AGI to deduct full value) - so you would not...
by d0gerz
Tue Feb 11, 2020 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Donor advised fund / donating appreciated shares
Replies: 17
Views: 898

Re: Donor advised fund / donating appreciated shares

Regarding which fund to donate - I had a couple inherited MFs that I prioritized to use for donation b/c of their high expense ratio - even though had others with higher unrealized gains. This is a great point. I should have been more nuanced in my own answer above. Sometimes I do the same thing --...
by d0gerz
Tue Feb 11, 2020 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Donor advised fund / donating appreciated shares
Replies: 17
Views: 898

Re: Donor advised fund / donating appreciated shares

You may wish to consider moving the assets to a Fidelity brokerage account prior to donation to the DAF. Once at Fidelity, with accurate basis information, it is a simple online transaction to specify the highest appreciated shares and donate them to the Fidelity Charitable DAF. Is there a particul...
by d0gerz
Tue Feb 11, 2020 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Donor advised fund / donating appreciated shares
Replies: 17
Views: 898

Donor advised fund / donating appreciated shares

Seeking advice on setting up a donor advised fund and also how best to donate appreciated stock Questions: 1) Where should I open a donor advised fund? Based on information on the wiki I am leaning towards Fidelity because of low minimums. Willing to hear arguments against. 2) The shares I want to d...
by d0gerz
Sun Jan 26, 2020 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance Data
Replies: 71
Views: 3177

Re: Long Term Care Insurance Data

Question 1. At the age of 70 you have an incident that requires nursing home care for 5 months. You have 3 months or 90d you have to wait, so you have to pay out of pocket 3*7500= $22,500 (ignoring inflation). The LTC insurance could pay the other 2 months so it pays out say $15,000. Time goes on. ...
by d0gerz
Sun Jan 26, 2020 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance Data
Replies: 71
Views: 3177

Re: Long Term Care Insurance Data

Question: Does anyone that has researched this heavily have a source that talks about the real numbers of... - General population, men and women. - What is the probability of nursing home stays > 90 d, > 1 year, > 2 years, > 3 years, >4 years? - Also it would be interesting if someone had insurance...
by d0gerz
Sat Jan 18, 2020 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Paycheck tax calculation help
Replies: 14
Views: 2277

Re: Paycheck tax calculation help

Here's a simple example to illustrate what I was talking about in the first post. Gross pay: 2500 Pay frequency: biweekly Federal filing status: single # of federal allowances: 3 State: MA # of state allowances: 5 Social Security = 6.2% of 2500 = 155 Medicare = 1.45% of 2500 = 36.25 Federal biweekl...
by d0gerz
Thu Jan 16, 2020 6:56 pm
Forum: Personal Consumer Issues
Topic: Closing cost review
Replies: 14
Views: 1391

Re: Closing cost review

All, In Fairfax county (Northern VA).Can you please review my closing cost. I think Owner's Title insurance is optional. Any thoughts in skipping it? Or any other fee which does not seem genuine? Home cost is about 665K, conventional,30 year loan. Thank in advance for your input! Image: https://img...
by d0gerz
Thu Jan 16, 2020 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve travel insurance
Replies: 37
Views: 4898

Re: Chase Sapphire Reserve travel insurance

There's two different travel protections with CSR: Trip Delay and Trip Cancellation I've had good experiences with Trip Delay. With the CSR, it only requires a 6 hour delay too. My wife and I were reimbursed $1,000. They insurance carrier is particular about the documents though, so read the T&C's....
by d0gerz
Wed Jan 15, 2020 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Critique My 2019 Spending
Replies: 48
Views: 4463

Re: Critique My 2019 Spending

What does 20k in charitable giving include? So last year I didn't actually give away this amount but nevertheless it has been set aside to be given away. I will take the standard deduction for 2019 and will try and bunch 2019-20 contributions together. Also come to think of it, instead of charitabl...
by d0gerz
Wed Jan 15, 2020 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Critique My 2019 Spending
Replies: 48
Views: 4463

Re: Critique My 2019 Spending

I live in Boston metro and have 2 kids. Income a little bit higher than you, but we both work. If this is single income you are doing quite well. Others have asked all the savings and investment questions so I'll add thoughts on the expense side living in the same area: 1 - Its a nitpick but you ar...
by d0gerz
Wed Jan 15, 2020 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Critique My 2019 Spending
Replies: 48
Views: 4463

Re: Critique My 2019 Spending

Have you considered shifting assets from taxable accounts (e.g., cash or unappreciated stock) to the 529 to max the time it can grow untaxed? Then if you otherwise planned to make periodic contributions to the 529, you could redirect those future contributions to replenish the raided account(s). Th...
by d0gerz
Wed Jan 15, 2020 1:39 am
Forum: Personal Finance (Not Investing)
Topic: Critique My 2019 Spending
Replies: 48
Views: 4463

Re: Critique My 2019 Spending

I’d love to know how you pull off such a low grocery bill for 3! Totally doable with some planning. Our family of 3 spends about $250 per month. Granted, we cook almost all our meals from scratch so it makes it cheaper that way. We could probably spend less but we like steaks and wine occasionally....
by d0gerz
Wed Jan 15, 2020 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Critique My 2019 Spending
Replies: 48
Views: 4463

Re: Critique My 2019 Spending

Well... I'll take that invitation. 1) Tax refund is not income. It's just a cash-flow item. You overpaid withholding tax to the IRS and now the IRS gives you back the overpaid tax. The IRS thank you for your interest-free loan. 2) Gotta separate savings & investments from spending. Items like HSA, ...
by d0gerz
Wed Jan 15, 2020 1:18 am
Forum: Personal Finance (Not Investing)
Topic: Critique My 2019 Spending
Replies: 48
Views: 4463

Re: Critique My 2019 Spending

Looks extremely good to me, and definitely would label you as "frugal" compared to peers. What's your nest egg and expected retirement timeline? That's really all that's important to make sure you are going to hit your goal and shouldn't loosen the purse strings..... As far as other suggestions, it...
by d0gerz
Wed Jan 15, 2020 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Critique My 2019 Spending
Replies: 48
Views: 4463

Re: Critique My 2019 Spending

With your state tax and the charitable contributions I see that you are able to itemize, but you are not making the most of that because the standard deduction is so high. I think you should try to do some bunching of charitable contributions if you can. That is, donate to your charities the $20.5K...
by d0gerz
Wed Jan 15, 2020 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Critique My 2019 Spending
Replies: 48
Views: 4463

Re: Critique My 2019 Spending

Three questions if you don't mind: - Are you using credit card reward sign on bonuses for travel? - Did you use HSA funds to pay for the medical expense itemized? - How much coverage is the life insurance providing per person? Contrary to the person above, I think your food budget is reasonable. Gr...
by d0gerz
Wed Jan 15, 2020 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Critique My 2019 Spending
Replies: 48
Views: 4463

Re: Critique My 2019 Spending

Does your mortgage rate include property taxes? Do you have excise tax? Other than that I'd say your numbers are amazing. Yeah my monthly payment is PITI. Though it's only since October that I've had a mortgage, was renting before. If all else remains the same this year, I will not have as much of ...
by d0gerz
Wed Jan 15, 2020 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Critique My 2019 Spending
Replies: 48
Views: 4463

Re: Critique My 2019 Spending

$200 on haircuts? You Spendthrift!!!! Go bald that's how true bogleheads save money! ;) $500 on clothes? Cad!!! Dumpster dive like a true boglehead ! :annoyed Entertainment .... ? Torturing pets and the baby should be enough you sod! :twisted: But really that looks good, better than me. I suck at b...
by d0gerz
Wed Jan 15, 2020 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Critique My 2019 Spending
Replies: 48
Views: 4463

Re: Critique My 2019 Spending

What does 20k in charitable giving include? So last year I didn't actually give away this amount but nevertheless it has been set aside to be given away. I will take the standard deduction for 2019 and will try and bunch 2019-20 contributions together. Also come to think of it, instead of charitabl...
by d0gerz
Sun Jan 12, 2020 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Critique My 2019 Spending
Replies: 48
Views: 4463

Critique My 2019 Spending

Would appreciate any comments, feedback on our spending for 2019. Trying to use this information to update planning for this year. All figures are annual. Tax filing status is MFJ. We live in the Boston metro area. Household is 2 adults + toddler. We were renting for most of the year up until Octobe...
by d0gerz
Sat Jan 11, 2020 3:53 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5281
Views: 1334559

Re: What Movie Have You Recently Watched?

The Rainmaker. 1997 Francis Ford Coppola adaptation of John Grisham novel, starring Matt Damon and Danny DeVito. Feel like all I've watched recently are action/superhero movies. This was a good change of pace. Felt like a different world really. (It is 20+ years old after all.) Matt Damon hasn't age...
by d0gerz
Sat Jan 11, 2020 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 433
Views: 93531

Re: What age did you reach 100K networth?

Started tracking when I started full-time work age 25. -26k: 25 (student loan) 0: 26 100k: 28 200k: 30 300k: 32 400k: 34 500k: 35 600k: 36 700k: 37 Were you 0 in 2009? That would be perfect timing!! _/\_ Early September 2008 lol, right before the crash. Looking at spreadsheet, I went from -2k in Au...
by d0gerz
Sat Jan 11, 2020 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 433
Views: 93531

Re: What age did you reach 100K networth?

Started tracking when I started full-time work age 25.

-26k: 25 (student loan)
0: 26
100k: 28
200k: 30
300k: 32
400k: 34
500k: 35
600k: 36
700k: 37
by d0gerz
Tue Jan 07, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 266
Views: 17102

Re: How do YOU make coffee?

I drink two cups of coffee a day. Morning cup: make at home. Hand-grind espresso beans from a local shop using a Hario Skerton grinder, make it pour-over style using a gooseneck kettle and a Kalita Wave dripper. To be honest I can't really say whether this tastes better or worse than other methods, ...
by d0gerz
Sun Jan 05, 2020 11:40 pm
Forum: Personal Consumer Issues
Topic: Traveling to Japan for first time
Replies: 44
Views: 2789

Re: Traveling to Japan for first time

2. Tour guide, or self tour? For our day to do things in Tokyo, should we hire a tour guide to show us around? Are there tours that we can book once we get there, or tour companies that provide 1 day tours of general areas? Really don’t know what is best. You should be fine doing self tours. I woul...
by d0gerz
Mon Sep 09, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Help me compare mortgage lenders
Replies: 4
Views: 610

Re: Help me compare mortgage lenders

Do you know the APR on each? They all look pretty similar and the APR will probably be close as well with the higher fees on the lower rate option. They also all look pretty good! Flip a coin? :happy Lender 1 said they can calculate the APR once I fill out an application online and they send me the...
by d0gerz
Mon Sep 09, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: Visit to Tokyo
Replies: 17
Views: 2026

Re: Visit to Tokyo

I'll be visiting my son in Tokyo the first week of October. He's staying in an apartment complex in Roppongi, a few blocks from the American Embassy. He'll be in charge of planning weekend travel, and we'll probably be doing things most evenings, but since he'll be working weekdays, I'll be explori...
by d0gerz
Mon Sep 09, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Help me compare mortgage lenders
Replies: 4
Views: 610

Help me compare mortgage lenders

I’m looking to make my first home purchase and shopping for mortgage lenders. Hoping to get some help on how to pick between different lenders. Purchase amount: 450k Loan amount: 360k Loan type: 30-yr fixed Lender 1 Rate: 3.49% Lender fee: 695 Appraisal fee: 490 Attorney (covers purchase & sale + cl...
by d0gerz
Sat Aug 03, 2019 9:42 pm
Forum: Personal Consumer Issues
Topic: Mortgage application and credit inquiry
Replies: 1
Views: 328

Mortgage application and credit inquiry

I applied for a mortgage pre-approval last week. This resulted in the lender pulling my credit report from all 3 bureaus and a hard inquiry on each. A while ago on these forums I learned that if I have multiple inquiries on home loans within 30 days, they will count as one as far as the credit scori...
by d0gerz
Sun Jan 13, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: 2019 Withholding
Replies: 1
Views: 374

2019 Withholding

I received my first paycheck of 2019 this week. It appears my Megacorp is still using 2018 tax tables to calculate both federal and state income tax. For my own calculations I'm using the 2019 IRS Publication 15 and the 2019 MA Circular M . With these rates I don't tie to what's on my paystub, but i...
by d0gerz
Sun Sep 02, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4337
Views: 1245539

Re: What Book Are You Currently Reading? Part VI

Just started Call for the Dead by John Le Carré. This is his first novel. Intend to go down the list. This year I've almost exclusively read Michael Connelly novels. Still have a few to go but thought I'd switch it up a bit.
by d0gerz
Mon Apr 23, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4611
Views: 887948

Re: What's Your Credit Card Rewards Strategy?

Q: Does the Costco Anywhere Visa from Citi code Costco Food Court purchases as restaurant (3%) or just regular Costco purchases (2%)?
by d0gerz
Sun Apr 15, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Free 2017 Tax Software Suggestions
Replies: 12
Views: 840

Re: Free 2017 Tax Software Suggestions

Thanks for the replies. I have downloaded all three forms from the IRS website(same as freefilefillable forms) and have input my numbers but wanted to have a independent check to make sure I didn't misinterpret a particular instruction resulting in a incorrect entry that leads to a incorrect submis...
by d0gerz
Sun Apr 15, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Free 2017 Tax Software Suggestions
Replies: 12
Views: 840

Re: Free 2017 Tax Software Suggestions

I am trying to fill out a 1040 and supporting schedules( C-EZ "net profit/loss from a sole proprietor" and SE "self employment tax" for $830 gross income I had from a dog walking business in 2017 so I can contribute to a Roth IRA. I have been claimed on my parents' return and am 24 years old. I hav...
by d0gerz
Sun Apr 15, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Spain in May end
Replies: 32
Views: 2927

Re: Spain in May end

The Cordoba feria this year is from 19-26 May. Given OP's schedule of last week of May, might be able to catch the last day or two. Good time to visit the city.
by d0gerz
Sun Apr 15, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: How do I make sure IRS receives my manual tax return ?
Replies: 89
Views: 11910

Re: How do I make sure IRS receives my manual tax return ?

https://www.irs.gov/taxtopics/tc301 When to file If you're a calendar year filer and your tax year ends on December 31, the due date for filing your federal individual income tax return is generally April 15 of each year. If you use a fiscal year (tax year ending on the last day of any month other t...
by d0gerz
Sat Apr 14, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Wire Transfer to Vanguard
Replies: 6
Views: 1781

Re: Wire Transfer to Vanguard

GS wrote:
Sat Apr 14, 2018 10:55 am
Has anyone done a wire transfer of money to Vanguard and what were your experiences? Thank you.
Used to do it on a monthly basis, from Japanese bank account to Vanguard. No issues. Vanguard does not charge an incoming wire transfer fee either.
by d0gerz
Sat Apr 14, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Form 1116 3b
Replies: 16
Views: 1757

Re: Form 1116 3b

Form 1116 Foreign tax credit: Box 3 b Other deductions. Interestingly, on the form it requires '(attach statement)' The instruction booklet does NOT explain what kinds of statement does it expect? I'm using TurboTax which also requires me to enter an 'Explanation Statement, and I guess this refers ...
by d0gerz
Thu Apr 12, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: Men's Boxer briefs without brand/embossing
Replies: 10
Views: 1503

Re: Men's Boxer briefs without brand/embossing

Caduceus wrote:
Thu Apr 12, 2018 10:10 am
Do any of you know any brands of men's boxer briefs that don't actually print the brand anywhere on the boxer briefs? I've been googling for 30 minutes and can't seem to find any.
Uniqlo.
by d0gerz
Wed Aug 09, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 58
Views: 12372

Re: Harry Bosch:the Amazon Series vs the novels

In terms of the TV show I like the connections to other shows that I've seen and liked. Jamie Hector (Jay Edgar) and Lance Reddick (Chief Irving) are of course stalwarts from The Wire . I first saw Titus Welliver play the DA in Season 1/2 of The Good Wife . A lot of actors from The Wire played recur...
by d0gerz
Wed Aug 09, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 58
Views: 12372

Re: Harry Bosch:the Amazon Series vs the novels

I'm a huge fan of both the show and the novels. I saw the TV series (Season 1) first and then picked up the books. I like it much better that way because then who the characters are has already been defined for you. Going from books to TV is a recipe for disappointment imo. I'm trying to read the bo...
by d0gerz
Tue Aug 08, 2017 11:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4337
Views: 1245539

Re: What Book Are You Currently Reading? Part VI

Currently reading Homo Deus: A Brief History of Tomorrow by Yuval Noah Harari. As with the earlier Sapiens this is a fascinating book. He starts off by saying how humans over the last 200 or so years have largely solved the problems of famine, plague, and war, something that they were unable to do s...