Search found 41 matches

by davehica
Wed Aug 26, 2020 11:24 pm
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 15347

Re: charging an EV

:arrow: I like the idea of reducing pollution so I'm looking at buying an electric vehicle. My main concern is that the small number of charging stations which would limit long-distance trips. Also, having to wait more than 20 min for a full charge is just too much time. Anyone have similar hesitati...
by davehica
Wed Aug 26, 2020 6:59 pm
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 15347

Re: charging an EV

I bought an EV a year ago. I absolutely love it. +1. We got a Kia Niro and it's great. No range anxiety whatsoever, and I've taken it on 3k mile road trips. Definitely had a few close calls on range in parts of the country where there are few fast chargers, but it's doable with a little more planni...
by davehica
Tue Aug 25, 2020 11:38 pm
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 15347

Re: charging an EV

I bought an EV a year ago. I absolutely love it. +1. We got a Kia Niro and it's great. No range anxiety whatsoever, and I've taken it on 3k mile road trips. Definitely had a few close calls on range in parts of the country where there are few fast chargers, but it's doable with a little more planni...
by davehica
Fri Aug 07, 2020 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7532
Views: 516769

Re: Refinance Mega Thread

Does anyone have names of lenders offering jumbo rates? I’ve checked with better, owning, and many of the others mentioned on the thread and no one is doing jumbos. Curious if anyone has been successful getting a no-cost jumbo at 2.5 -2.625. Or maybe I’m chasing unicorns... Im researching and will ...
by davehica
Thu Aug 06, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7532
Views: 516769

Re: Refinance Mega Thread

Does anyone have names of lenders offering jumbo rates? I’ve checked with better, owning, and many of the others mentioned on the thread and no one is doing jumbos.

Curious if anyone has been successful getting a no-cost jumbo at 2.5 -2.625.

Or maybe I’m chasing unicorns...
by davehica
Fri May 29, 2020 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7532
Views: 516769

Re: Refinance Mega Thread

A number of folks have been pleasantly surprised by a random mailing from Chase for a rate modification at no fee about 1-2 weeks after requesting a payoff quote. It may be worthwhile to simply request a payoff and sit back on Chase while you shop around. Done! There was a link for a payoff quote o...
by davehica
Fri May 29, 2020 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7532
Views: 516769

Re: Refinance Mega Thread

My current mortgage is with Chase and I thought I'd also let them compete to keep my business but I'm not sure where exactly go in the Chase borg to get a refi estimate. A number of folks have been pleasantly surprised by a random mailing from Chase for a rate modification at no fee about 1-2 weeks...
by davehica
Wed May 20, 2020 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7532
Views: 516769

Re: Refinance Mega Thread

I just wanted to share an amazing rate I just locked. Apparently UWM has new insane pricing.. I just locked in a 30 year conventional loan for 2.875% . And its better than no cost - covering all costs plus also $1,000 of my escrow payment . This is in AZ. I would suggest finding a broker that works...
by davehica
Sun May 17, 2020 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7532
Views: 516769

Re: Refinance Mega Thread

With the possible Chase offer for rate modification on existing mortgages, has anyone or know of luck in directly calling and asking them for it? As suggested here I did ask for the formal payoff quote to be mailed on Friday and did not see a FedEx pop on my front door yesterday :happy Thinking whe...
by davehica
Fri May 15, 2020 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7532
Views: 516769

Re: Refinance Mega Thread

Well, that was fast. I received an email from Chase offering to lower my rate without a refi, but when I clicked through the link it said the website was temporarily unavailable. So, planning to try again later tonight to see what comes up. I also received a 2nd email from Chase offering to refinan...
by davehica
Fri May 15, 2020 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7532
Views: 516769

Re: Refinance Mega Thread

Well, that was fast. I received an email from Chase offering to lower my rate without a refi, but when I clicked through the link it said the website was temporarily unavailable. So, planning to try again later tonight to see what comes up. I also received a 2nd email from Chase offering to refinan...
by davehica
Thu May 14, 2020 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7532
Views: 516769

Re: Refinance Mega Thread

Another data point for the unsolicited mortgage rate reduction offer from Chase that some people have received. After reading the posts earlier in this thread about Chase sending out unsolicited rate reduction offers, I decided to see if I could get targeted for it while actually moving forward wit...
by davehica
Tue May 12, 2020 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7532
Views: 516769

Re: Refinance Mega Thread

Another data point for the unsolicited mortgage rate reduction offer from Chase that some people have received. After reading the posts earlier in this thread about Chase sending out unsolicited rate reduction offers, I decided to see if I could get targeted for it while actually moving forward wit...
by davehica
Sat Nov 09, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: Xfinity mobile: sf bay area
Replies: 8
Views: 700

Re: Xfinity mobile: sf bay area

I’m also in the Bay Area and I switched my wife over from T-Mobile about 6 months ago. Saves about $25/month and the reception and data speeds are both significantly better. I’m really happy with them so far.
by davehica
Tue Sep 03, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: Cold Air Penetrating Window Glass (Winter, Boston)
Replies: 30
Views: 2694

Re: Cold Air Penetrating Window Glass (Winter, Boston)

I'd also recommend inserts. We used Indow Window instead of replacing every single-pane window in the house and have been happy with the results. Far less drafty and significantly cheaper, although YMMV since you are in a much colder climate.
by davehica
Tue Feb 19, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Help with difficult work situation
Replies: 48
Views: 4028

Re: Help with difficult work situation

Wow. Posted this before the long weekend thinking it would take some time to collect responses. Definitely did not expect the number of replies, or the consistency of the responses, but I absolutely appreciate them. They really helped me look at this in a different light. Anyway, I met with my new b...
by davehica
Sat Feb 16, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Help with difficult work situation
Replies: 48
Views: 4028

Help with difficult work situation

Hello Bogleheads - I was very recently notified that one of my peers is being promoted and that I will now be reporting in to her. We’ve been friends and peers for almost 6 years, built our department together, and I’m not quite sure how to proceed. Up until this week, I expected to have a long(er) ...
by davehica
Tue Jan 15, 2019 12:58 am
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 248
Views: 25323

Re: Biggest Investment Mistake

Webvan. Learned that just because something is a good idea doesn’t mean it’s a good investment.
by davehica
Thu Nov 15, 2018 10:58 pm
Forum: Personal Consumer Issues
Topic: Mesh versus Range extender
Replies: 27
Views: 2388

Re: Mesh versus Range extender

Google Wifi +1000. I had a high end router with an extender and had intermittent connectivity, slow speed, etc in some areas of my house. Bought 2 google WiFi units and ALL of my issues are gone. Was also one of the easiest setups I’ve ever encountered. By far one of the best electronics purchases I...
by davehica
Mon Aug 13, 2018 11:55 am
Forum: Personal Investments
Topic: ESOP - Diversification options
Replies: 11
Views: 904

Re: ESOP - Diversification options

If we choose to diversify out, we can transfer to the 401K, an IRA, or take a cash distribution... I think this is the first time that I saw that you do in fact have the option of rolling over into a tIRA. I don't know the choices and costs in your 401K, but I chose to rollover into an IRA for maxi...
by davehica
Sun Aug 12, 2018 2:05 pm
Forum: Personal Investments
Topic: ESOP - Diversification options
Replies: 11
Views: 904

Re: ESOP - Diversification options

Thanks for the responses. I'm now leaning towards selling the full 50%, but I wonder about the following: I would do the full 50% without the slightest hesitation. It isn’t about “performance”, it is about RISK. Right now you two have horribly concentrated risk. Two thirds of your retirement portfol...
by davehica
Wed Aug 08, 2018 6:22 pm
Forum: Personal Investments
Topic: ESOP - Diversification options
Replies: 11
Views: 904

ESOP - Diversification options

Hi All - My wife and I both work for an ESOP company that is allowing a one time diversification option early next year. I am trying to determine whether I should diversify some money out of our ESOP and into our 401ks, and if so, what the appropriate % would be. A few details: Company is private an...
by davehica
Thu Aug 02, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy new Nissan Leaf?
Replies: 35
Views: 2920

Re: Should I buy new Nissan Leaf?

Realize you won't save money on fuel. High electricity prices in CA will negate any savings when compared to a 50 not Prius. If you came from a 25 mpg vehicle, then you save money. For PG&E customers, prices for electricity in CA are based on Time of Use for the EV Rate Plan. For example, we only c...
by davehica
Tue Jul 31, 2018 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy new Nissan Leaf?
Replies: 35
Views: 2920

Re: Should I buy new Nissan Leaf?

Thanks for all the responses, I'll try to address as many of the questions as I can. A few folks asked about the value of the old prius, and unfortunately I think I could only get around $2-$3K. So here is what the purchase would look like: $35K MSRP (10K) Employer credit (7.5K) Federal credit (2.5K...
by davehica
Mon Jul 30, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy new Nissan Leaf?
Replies: 35
Views: 2920

Re: Should I buy new Nissan Leaf?

Employer credit does not currently have an expiration, but it would not surprise me if this program is modified (IE not as lucrative) sometime in the future. Is the Prius with 130k having any issues? None so far. Main battery failed at 99K miles and was replaced under warranty. Is the Leaf used for ...
by davehica
Mon Jul 30, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy new Nissan Leaf?
Replies: 35
Views: 2920

Should I buy new Nissan Leaf?

This question is a little strange because I'm not really in the market for a new car. Our current vehicles have only 30k and 130k miles (both are Priuses), so I guess I'm asking this question purely from a financial perspective. From what I understand, there are numerous tax credits which currently ...
by davehica
Sun Jul 08, 2018 3:01 am
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 6207

Re: Every Other Friday Off

I find the extra hour per day of free time far more valuable than the day off every 2 weeks. This is exactly how I feel. My employer has offered 9/80 for the last 18 years and it was great for the first few years before I had kids. That extra hour can really be a grind once you do have kids and I’v...
by davehica
Sun Jul 01, 2018 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 25086

Re: What are your property taxes?

SF Bay Area. 1.34M purchase price and just under $21k in property tax on a 1700 sq ft house on 4200 sq ft lot. Pretty jealous of some of the low numbers in this thread...
by davehica
Wed Jun 06, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 968
Views: 134103

Re: How much money do you want to retire?

Currently 41 and targeting $5MM in today’s dollars to retire at 55 or 6MM if things go well and I can retire at 50.
by davehica
Sat Jul 22, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 9871

Re: How much electricity are you using and how expensive it is?

I'd suggest a home energy audit if you're looking to reduce electricity usage. It will identify the areas of greatest energy usage/loss and help you prioritize and calculate payback on any improvements.
by davehica
Mon Jul 17, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 97
Views: 12775

Re: california homeowners - do you have earthquake insurance?

We live pretty much on top of the Hayward fault. 100 year old house that has survived every earthquake between then and now. Did a full earthquake retrofit for $9k last year but decided not to pay for earthquake insurance. High cost coupled with low likelihood of a catastrophic failure that would be...
by davehica
Sat Feb 11, 2017 3:11 am
Forum: Personal Consumer Issues
Topic: iPhone SE 16GB - is memory adequate?
Replies: 43
Views: 3662

Re: iPhone SE 16GB - is memory adequate?

My wife uses a 16gb SE and the usage is similar to what you described. Main storage problem is photos, so we set up Google photos to automatically back everything up for free.
by davehica
Tue Feb 07, 2017 12:49 pm
Forum: Personal Investments
Topic: Self-directed 401K: fund choices and lump-sum?
Replies: 2
Views: 484

Re: Self-directed 401K: fund choices and lump-sum?

1- It's ok as long as you are aware that this is pretty aggressive for someone at who is 20 years away from retirement. You're like 10% bonds. I'd probably bump that to at least 20%. Something in range of 40-60% is typical by retirement for bond allocation. Yes, I'm aware. We have separate company-...
by davehica
Mon Feb 06, 2017 2:18 pm
Forum: Personal Investments
Topic: Self-directed 401K: fund choices and lump-sum?
Replies: 2
Views: 484

Self-directed 401K: fund choices and lump-sum?

Hello all -- The company my wife and I work for has finally given us a self-directed 401k option, meaning I now have access to the entire fund universe, including low-cost index funds. The offer is pretty simple: $75 annual fee, $25/trade, and $3 per dividend reinvestment. I am planning to roll our ...
by davehica
Sat Aug 06, 2016 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: How should I pay for garage renovation?
Replies: 10
Views: 1289

How should I pay for garage renovation?

My wife and I recently moved into a new home and the garage is in very poor shape (IE unusable). We desperately need the additional space and I'm planning to have it done sometime next year. Here are a few details: We are 39 And 44, make about $210k base with another $40k in bonuses. Retirement acco...
by davehica
Wed Jan 20, 2016 3:15 am
Forum: Personal Consumer Issues
Topic: Wifi Thermostat??
Replies: 39
Views: 7596

Re: Wifi Thermostat??

+1 for the Emerson Sensei. Super simple, affordable, and just works.
by davehica
Sun Jan 17, 2016 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone recently Refi home mortgage? Suggestions?
Replies: 20
Views: 2512

Re: Anyone recently Refi home mortgage? Suggestions?

We're in a similar position. My sig other and I have an avg credit score of 771. Currently have a 3.875% 30 year fixed jumbo and just started the refinancing process. We are currently rate locked at 3.625% for 60 days, and if our LTV comes back <70% after the appraisal it will drop to 3.5%. Since th...
by davehica
Sat Apr 25, 2015 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Housing affordability CA
Replies: 22
Views: 3466

Re: Housing affordability CA

still alive..
by davehica
Fri Apr 24, 2015 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Housing affordability CA
Replies: 22
Views: 3466

Re: Housing affordability CA

Hi All -- Thought I would provide an update to my original question. My wife and I are now expecting our second child in July, and we closed today on our first (and probably last) home. We had to stretch significantly more than I would have liked, but we're in one of the best school districts and ne...
by davehica
Fri Apr 24, 2015 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Best home mortgage lenders?
Replies: 37
Views: 15197

Re: Best home mortgage lenders?

We used a local mortgage broker and ended up with Provident. Closed today on a $1M jumbo in CA, 25% down, 3.875% 30 year fixed. No overall complaints with Provident, other than the number of last minute requests for documentation.
by davehica
Sun May 18, 2014 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Housing affordability CA
Replies: 22
Views: 3466

Housing affordability CA

Hi All -- My wife and I have been very patient re: real estate and are just now looking to buy our first house in the sf bay area. Im struggling with our max purchase price and am hoping for some insight from the board. Here are our details: General family info: Wife and I both work for the same sta...