Search found 294 matches

by d0gerz
Wed May 12, 2021 6:06 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 668
Views: 168908

Re: My New Car Buying Tips

MSRP at 8 locations for the requested vehicle with the same option package and color combo: $31,148 Final Denovo price: $31,600 OTD, or $3,000 off sticker Is the MSRP a typo? How can final price be higher than MSRP and still be $3,000 off sticker? Have you purchased a new vehicle before? MSRP doesn...
by d0gerz
Wed May 12, 2021 9:54 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 668
Views: 168908

Re: My New Car Buying Tips

denovo wrote: Mon May 10, 2021 1:26 pmMSRP at 8 locations for the requested vehicle with the same option package and color combo: $31,148
Final Denovo price: $31,600 OTD, or $3,000 off sticker
Is the MSRP a typo? How can final price be higher than MSRP and still be $3,000 off sticker?
by d0gerz
Sat May 08, 2021 10:57 am
Forum: Personal Finance (Not Investing)
Topic: California Homebuying Insanity
Replies: 243
Views: 21642

Re: California Homebuying Insanity

Re: CA population loss, it's not about people leaving. As per the news article below, more people leaving CA than moving in from other states has been the case for the last three decades. The decline in 2020 is due to not enough immigration, fewer births, and more deaths, all somewhat related to COV...
by d0gerz
Sat May 08, 2021 10:33 am
Forum: Personal Finance (Not Investing)
Topic: California Homebuying Insanity
Replies: 243
Views: 21642

Re: California Homebuying Insanity

I recently heard of a company that will help homebuyers make a 'cash' offer when they actually don't have the cash for it. For a fee, they will front the cash and give you time to get a mortgage. Could be an option where the competition is all cash offers. https://www.fastcompany.com/90626724/this-s...
by d0gerz
Mon May 03, 2021 11:35 am
Forum: Personal Consumer Issues
Topic: Pour Over Coffee & Bean Grinders
Replies: 39
Views: 3102

Re: Pour Over Coffee & Bean Grinders

Grinder: Hario Skerton https://www.amazon.com/Hario-MSCS-2DTB-Skerton-Ceramic-Grinder/dp/B01LXZACFB/ I have used it daily for 6 years with no issues, cleaned it maybe once. It's a workhorse. It is manual though, so I wouldn't recommend it if you need coffee for 3+ cups. I make a cup in the morning a...
by d0gerz
Wed Apr 28, 2021 11:21 am
Forum: Personal Consumer Issues
Topic: Comfortable Men's Flip Flops?
Replies: 81
Views: 6649

Re: Comfortable Men's Flip Flops?

The problem with flip flops is you can't wear them with socks so only useful in the summer. Here in MA that's 2 maybe 3 months of the year. For this reason I prefer Crocs. Versatile all year-round and comfortable to boot.
by d0gerz
Sun Mar 28, 2021 1:29 pm
Forum: Personal Consumer Issues
Topic: Figured out how to make google voice never expire
Replies: 25
Views: 2503

Re: Figured out how to make google voice never expire

Yeah I don't understand the GV fanbase to be honest. We know some 2FA issues exist for VOIP providers (which GV is). International usage is also questionable. I guess the cost is cheap, but I just switched to Ting and my bill is around $15/mo, I can live with that. When I lived abroad I used Google...
by d0gerz
Fri Mar 19, 2021 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: "If You Can" equivalent for home buying?
Replies: 9
Views: 1666

Re: "If You Can" equivalent for home buying?

The Consumer Financial Protection Bureau has a very good series on homebuying.
https://www.consumerfinance.gov/owning-a-home/
by d0gerz
Sat Mar 06, 2021 11:22 am
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2020 tax refund?
Replies: 176
Views: 15770

Re: How quickly did you receive your 2020 tax refund?

Filed 2/23 using Free Fillable Forms. Return accepted 35 minutes later. Refund deposited 3/3.
by d0gerz
Tue Feb 23, 2021 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to account for tax refund & bunching charitable giving
Replies: 6
Views: 359

How to account for tax refund & bunching charitable giving

In 2020 I bunched charitable contributions, which along with mortgage interest and property taxes put me well over the standard deduction (MFJ). As a result I'm getting a massive refund. I had a few questions related to all this so thought I'd ask them in one post. Thanks as always for reading. 1) H...
by d0gerz
Tue Feb 23, 2021 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 Tax filing tips
Replies: 30
Views: 3546

Re: 2020 Tax filing tips

If using free fillable forms, realize that you are limited by the forms listed at the link below as well as the dates each form is available. https://www.irs.gov/e-file-providers/list-of-available-free-file-fillable-forms If you need to file something not on the list, or attach a document of some so...
by d0gerz
Tue Feb 23, 2021 10:31 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 336
Views: 39813

Re: What have you baked recently?

Not really 'baking' but made naan on a cast iron skillet. Followed the recipe below.
https://rasamalaysia.com/naan/#mv-creation-11

The recipe portions are smaller than I would like. It says the yield is 8 pieces but works better for 6 or 7. A 100g ball of dough per naan is a good size imo.
by d0gerz
Mon Feb 15, 2021 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1762
Views: 166578

Re: My LenderFi refinance is going well

My experience with LenderFi: Dec 28: Application submitted online Dec 30: Locked Jan 15: Closing Jan 21: Loan funded, 1st payment due Mar 1 Feb 5: Got email that loan was sold to Mr Cooper Overall went smoothly. One hiccup was that after the closing, apparently Amrock the title company didn't get a ...
by d0gerz
Sun Feb 14, 2021 1:07 am
Forum: Personal Finance (Not Investing)
Topic: COVID stimulus payments and tax returns . . .
Replies: 12
Views: 1454

Re: COVID stimulus payments and tax returns . . .

I want to be sure I'm correct about something: we received a stimulus payment last calendar year, and we received another on Jan. 4 of this year, 2021 -- but both of those are supposed to be reported on the 2020 tax return? You don't have to report stimulus payments on your tax return. They aren't ...
by d0gerz
Sat Feb 06, 2021 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10341
Views: 754683

Re: Refinance Mega Thread

From my refi Loan Estimate: C. Services You Can Shop For Title - Closing Fee $575 Title - Lender's Title Insurance $460 What is the Title - Closing Fee? How much can you generally save by shopping for these on your own (in MA)? Thanks If this are the only two fees listed in Section C, honestly, not...
by d0gerz
Sat Feb 06, 2021 2:10 pm
Forum: Personal Consumer Issues
Topic: Help with central A/C install
Replies: 21
Views: 1714

Re: Help with central A/C install

If there's no access to put in a return duct, how did they run the supply ducts to the addition? There is a supply duct running from the basement through to the crawl space, but that opening is only as wide as the supply duct itself. No other way to access to for example lay down a vapor barrier or...
by d0gerz
Tue Feb 02, 2021 12:48 pm
Forum: Personal Consumer Issues
Topic: Help with central A/C install
Replies: 21
Views: 1714

Re: Help with central A/C install

For those asking about AC model, Costco affiliate quoted a Lennox brand. My furnace is a Concord model, and they said Lennox is compatible with what I have. The other two quoted a Concord model but Company C did not provide a model number. Posting the exact quotes below so people can see the type of...
by d0gerz
Tue Feb 02, 2021 12:30 pm
Forum: Personal Consumer Issues
Topic: Help with central A/C install
Replies: 21
Views: 1714

Re: Help with central A/C install

Thanks for all the responses, I really appreciate it. A few details to add: With regards to the upstairs/downstairs difference, the upstairs portion is just one bedroom, though it is the master where we sleep. The house is essentially a ranch, but with an addition built later on. This addition wasn'...
by d0gerz
Tue Feb 02, 2021 12:09 pm
Forum: Personal Consumer Issues
Topic: Help with central A/C install
Replies: 21
Views: 1714

Re: Help with central A/C install

If I were to choose one of the three, it would be the Costco affiliate. They are more expensive, but they are the only one who came on site. How can the other contractors give you a credible quote without inspecting your site? Also, I am not a fan of Home Adviser and would be leery of anyone they p...
by d0gerz
Sun Jan 31, 2021 3:37 pm
Forum: Personal Consumer Issues
Topic: Help with central A/C install
Replies: 21
Views: 1714

Help with central A/C install

We have an existing forced air natural gas furnace to which we are looking to add central A/C. House is ~1400 sq ft in Greater Boston, so expecting A/C usage centered around July/August, or 2-3 months a year tops. Have gotten quotes from three companies. I'm looking for advice on how to move forward...
by d0gerz
Sat Jan 30, 2021 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10341
Views: 754683

Re: Time to refinance again this year?

BrandonBogle wrote: Fri Jan 29, 2021 5:41 pm I refinanced $140k four times now since May 2020, each time with the credits exceeding the costs, resulting in net profit to me.
How does this work in practice? Do you get a check for the excess? Is it reported as income i.e. 1099s etc. for tax purposes?
by d0gerz
Fri Jan 22, 2021 5:46 pm
Forum: Personal Consumer Issues
Topic: any suggestions for best 65" TV under $1000?
Replies: 48
Views: 3230

Re: any suggestions for best 65" TV under $1000?

Bought this Samsung 65 inch 4k UHD LED during the Black Friday sales event in November. $510 including taxes. So far so good. https://www.costco.com/samsung-65%22---tu700d-series---4k-uhd-led-lcd-tv.product.100646394.html One feature that I really like (but knew nothing about going in, so just got l...
by d0gerz
Thu Jan 07, 2021 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10341
Views: 754683

Re: Refinance Mega Thread

Hey all. Grateful for the advice and knowledge I got on this forum. Definitely helped me find a deal I’m happy with. I’m locked in and going to move forward with LF. Happy with them so far. Loan stats: 2.625%, 30 yr FRM, closing costs 275, no escrow, appraisal waived Amount: 270,000 LTV: 72% Locati...
by d0gerz
Thu Jan 07, 2021 8:55 am
Forum: Personal Finance (Not Investing)
Topic: What did you spend in 2020?
Replies: 204
Views: 12930

Re: What did you spend in 2020?

Why would you list investments as spend? So that everything nets to zero against income shown at the top. But spend is gone... investments are not. They remain in your asset balance sheet (net worth sheet). And in fact, return income (if they pay dividends). I don't count investments as spend... i ...
by d0gerz
Thu Jan 07, 2021 8:47 am
Forum: Personal Finance (Not Investing)
Topic: What did you spend in 2020?
Replies: 204
Views: 12930

Re: What did you spend in 2020?

sperry8 wrote: Thu Jan 07, 2021 8:38 am Why would you list investments as spend?
So that everything nets to zero against income shown at the top.
by d0gerz
Fri Jan 01, 2021 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Practical Guide to Home Buying for Bogleheads?
Replies: 2
Views: 440

Re: Practical Guide to Home Buying for Bogleheads?

neb2020 wrote: Fri Jan 01, 2021 2:22 pm Is there any good material as a "practical home buying guide" out there?
Take a look at the Consumer Finance Protection Bureau's home-buying guide. I found it to be incredibly useful, in particular the section on mortgages.
https://www.consumerfinance.gov/owning-a-home/
by d0gerz
Thu Dec 31, 2020 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1762
Views: 166578

Re: My LenderFi refinance is going well

It has been 2 weeks since my request and i have been messaging them via their portal. Are you talking about texting them to their cell? The agent assigned to me seems to prefer text messages on the cell phone. I first sent a message via the portal, which I don't know if he saw or not, there was no ...
by d0gerz
Tue Dec 29, 2020 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: What did you spend in 2020?
Replies: 204
Views: 12930

Re: What did you spend in 2020?

I'm definitely in the 'investments are an expense' camp. $37.5k 401k + IRA + HSA $36.5k After-tax Savings $27k PITI $20k Federal Taxes $18k Earmarked for charitable giving $11k FICA + Medicare $7.5k State Tax $7k Insurance (Medical, dental, life, LTD) $7k Groceries + Takeout $6k Pre-school tuition +...
by d0gerz
Mon Dec 28, 2020 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10341
Views: 754683

Re: Refinance Mega Thread

Just submitted an application through LenderFi and it's been 'approved'. I intend to shop their offer around. Should I go ahead with the document upload or wait until/if I'm actually 100% sure that I will go through with them? They're asking for paystubs, bank statements, etc. I guess I'm wondering ...
by d0gerz
Mon Dec 28, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Our Mortgage or Invest Heavily?
Replies: 51
Views: 5769

Re: Pay Off Our Mortgage or Invest Heavily?

With apologies to the OP for the thread hijack, in my situation I'll have enough deductions (due to bunching charitable giving) this year, and will take the standard deduction next year. All else being equal, do I then decide whether to pay down mortgage or not each year separately, according to my...
by d0gerz
Mon Dec 28, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2849
Views: 282157

Re: [What TV Show Have You Recently Watched?]

The Durrells in Corfu, on Amazon Prime. A fun, light-hearted show about a British family that moved to Greece in the mid-1930s. Based on British naturalist Gerald Durrell's autobiographical Corfu trilogy of books. Great acting and cinematography. Keely Hawes, who I saw on Line of Duty (also on Amazo...
by d0gerz
Mon Dec 28, 2020 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone seen estimates from Vanguard on Foreign Tax Credits for Total Intnl (Also comments on Form 1116)
Replies: 4
Views: 454

Re: Has anyone seen estimates from Vanguard on Foreign Tax Credits for Total Intnl

Last year, (2019) the FTC on VTIAX (Total Intnl) was 7.35% of the dividends. This year (2020) dividends are down around 21% or 22%. Based on this, FTC for 2020 will also be down. Other views?? Just checked my own VTIAX 1099-DIV statements from 2018 and 2019. Tax paid (box 7) was 7.44% of dividends ...
by d0gerz
Sun Dec 27, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Our Mortgage or Invest Heavily?
Replies: 51
Views: 5769

Re: Pay Off Our Mortgage or Invest Heavily?

The deductibility (or not) of mortgage interest changes the rate of return you get by paying it off. If your mortgage rate is 3% but you can deduct some of the interest then it isn’t costing you a full 3%. Whatever the actual rate it is costing you would be compared to alternatives, like investing ...
by d0gerz
Sat Dec 26, 2020 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Our Mortgage or Invest Heavily?
Replies: 51
Views: 5769

Re: Pay Off Our Mortgage or Invest Heavily?

This depends on how much they donate to charity. If they donate a lot to charity, paying down the mortgage would reduce deductible interest, making the return equivalent to 2.875% taxable, which is no longer as attractive. Would you mind elaborating on this? Why would deductible mortgage interest b...
by d0gerz
Sat Dec 26, 2020 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Our Mortgage or Invest Heavily?
Replies: 51
Views: 5769

Re: Pay Off Our Mortgage or Invest Heavily?

This depends on how much they donate to charity. If they donate a lot to charity, paying down the mortgage would reduce deductible interest, making the return equivalent to 2.875% taxable, which is no longer as attractive. Would you mind elaborating on this? Why would deductible mortgage interest b...
by d0gerz
Fri Dec 25, 2020 3:05 pm
Forum: Personal Consumer Issues
Topic: What is a price to pay for a good pair of sunglasses???
Replies: 31
Views: 2067

Re: What is a price to pay for a good pair of sunglasses???

I paid $10 for ten pair at the dollar tree. They have UV protection. If a pair breaks, it doesn't matter. They actually are more durable than the various Walmart brands that I have purchased for $15. This is around the price point I prefer as well. My current pair I bought from Primark on a trip to...
by d0gerz
Fri Dec 25, 2020 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: What NON-frugal thing did you do today?
Replies: 161
Views: 11482

Re: What NON-frugal thing did you do today?

WorkToLive wrote: Thu Dec 24, 2020 11:39 pm I fully funded our child’s ex-nanny’s Roth IRA with $6k. Chid is now 14, babysitter is now grocery worker, age 31. I told her 2021 I will match up to $3k.
Wow that's very generous of you, well done!
by d0gerz
Fri Nov 27, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve retention offer - was worth the effort
Replies: 100
Views: 15471

Re: Chase Sapphire Reserve retention offer - was worth the effort

Tried after reading this thread but no luck. Tried the 1-800 number yesterday and the international number today but same result "At this time no retention offers on your account". Wasn't transferred to retention or anything, but I also didn't push that hard. My $450 annual fee posted on S...
by d0gerz
Sun Nov 01, 2020 9:33 pm
Forum: Personal Consumer Issues
Topic: Receipt scanner for home
Replies: 24
Views: 1411

Re: Receipt scanner for home

I use Scanner Mini, a free app for the iPhone. Works great for CVS receipts, which are usually pretty long.
by d0gerz
Sat Oct 31, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: removed
Replies: 136
Views: 8535

Re: Heat - What do you set your temps to in Winter?

Just FYI, programmable thermostats are generally easy to install and often available heavily discounted through utility companies. Thanks to this thread, I've now learned that I do indeed have a programmable thermostat. It's the same kind as in this helpful YouTube video . I've started with 6.30 am...
by d0gerz
Sat Oct 31, 2020 8:07 am
Forum: Personal Finance (Not Investing)
Topic: 2021 IRS inflation adjustments announced
Replies: 36
Views: 4245

Re: 2021 IRS inflation adjustments announced

What stood out to me is that not a lot changed relative to inflation for contribution amounts But there was a big jump in Income Subject to Social Security Tax Indeed, just noticed that SSA published 2021 numbers - https://www.ssa.gov/news/press/factsheets/colafacts2021.pdf OASDI taxable income lim...
by d0gerz
Fri Oct 30, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: removed
Replies: 136
Views: 8535

Re: Heat - What do you set your temps to in Winter?

67 when we're home, which is all the time these days. For those setting to lower temp at night, how does that work. Don't you wake up freezing (because body temp drops when you sleep, and presumably everyone here sleeps at night)? Here’s how it works. I’ve been setting the thermostat for 65-67 duri...
by d0gerz
Fri Oct 30, 2020 4:05 pm
Forum: Personal Consumer Issues
Topic: removed
Replies: 136
Views: 8535

Re: Heat - What do you set your temps to in Winter?

67 when we're home, which is all the time these days.

For those setting to lower temp at night, how does that work. Don't you wake up freezing (because body temp drops when you sleep, and presumably everyone here sleeps at night)?
by d0gerz
Mon Oct 12, 2020 8:05 pm
Forum: Personal Investments
Topic: Donor Advised Fund Deduction Question
Replies: 5
Views: 609

Re: Donor Advised Fund Deduction Question

Thanks all for the replies. I will assume the FMV is the deductible amount. Edit: In my case, Vanguard's 'gift value' = Fidelity's FMV. For Vanguard gift value, on the Vanguard website I'm looking under My accounts > Balances and holdings > Cost basis accounting > Gifted shares for the account from ...
by d0gerz
Sun Oct 11, 2020 11:21 pm
Forum: Personal Investments
Topic: Donor Advised Fund Deduction Question
Replies: 5
Views: 609

Donor Advised Fund Deduction Question

I donated appreciated Vanguard ETFs to my Fidelity donor advised fund. On the Fidelity website I can see my YTD contribution amount. This amount is smaller by around $200 than what Vanguard says was the value of the gifted shares. Interestingly, Fidelity shows me a 'fair market value' for each contr...
by d0gerz
Tue Sep 29, 2020 10:50 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2849
Views: 282157

Re: [What TV Show Have You Recently Watched?]

Line of Duty. British police procedural about a fictional anti-corruption unit (AC-12) that investigates crooked (or 'bent' as the Brits like to call it) cops. Really good series. First four seasons (five in total so far) available on Amazon Prime.
by d0gerz
Mon Aug 24, 2020 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Conversion
Replies: 13
Views: 934

Re: Roth IRA Conversion

I suppose a different question then would be: what do I do with the expected refund? I currently max out all retirement accounts/HSAs available to me, so anything extra would all go to taxable investments (in a manner that would keep my overall stock/bond split at the desired level). How would you g...
by d0gerz
Mon Aug 24, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Conversion
Replies: 13
Views: 934

Re: Roth IRA Conversion

I don't think your situation changes the guidance that is described in the wiki page. Because of your large charitable contribution, your 2020 marginal tax rate may or may not drop into a lower rate than you would have been in otherwise. You would just use that marginal tax rate to determine whethe...
by d0gerz
Mon Aug 24, 2020 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Conversion
Replies: 13
Views: 934

Re: Roth IRA Conversion

Not enough information. It is commonly suggested to do Roth conversions in a low income year. By making larger than normal contributions, you are making your income lower. The question is whether the income is low enough for Roth conversions to make sense. For example, if you are in the 35% bracket...
by d0gerz
Mon Aug 24, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Conversion
Replies: 13
Views: 934

Roth IRA Conversion

I am looking to bunch together charitable contributions in 2020, which will put me well above the $24,400 standard deduction (MFJ). Let's assume I will contribute $40,000 in appreciated stock to a donor-advised fund. The way I'm thinking about it, I will be owed a massive refund since I have not adj...