Search found 721 matches

by seawolf21
Mon Sep 21, 2020 12:25 am
Forum: Personal Consumer Issues
Topic: Cancelling Old Credit Card Effect on Credit Score
Replies: 18
Views: 1376

Re: Cancelling Old Credit Card Effect on Credit Score

Put it like this. Im 37 years old and ive cancelled approx 50 credit cards throughout my short life. Credit score is still 800+. Just cancel it and move on with your life. Its not a big deal and wont have much of an impact. Also, some of the cards I cancelled were 15 years old. +1. Any negative eff...
by seawolf21
Mon Sep 21, 2020 12:18 am
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 14951

Re: Is Costco worth the $120 membership?

FYI Costco Gas in NJ does not require membership.
by seawolf21
Thu Sep 17, 2020 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: better vs lenderfi refi if all else equal
Replies: 10
Views: 629

Re: better vs lenderfi refi if all else equal

I didn’t refi with lender Fi because they were slow to response and as the claw back clause.
by seawolf21
Mon Sep 14, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: Home Appliance Warranty - any recommendations?
Replies: 20
Views: 1060

Re: Home Appliance Warranty - any recommendations?

I was always a "NEVER buy the extended warranty" person - but caved on my recent fridge. All my credit cards discontinued extended warranty coverage benefits in 2019, costco and sam's were completely out of stock on fridges fitting my space (thanks covid) and just couldn't stand the idea of spendin...
by seawolf21
Mon Sep 14, 2020 11:38 am
Forum: Personal Consumer Issues
Topic: Home Appliance Warranty - any recommendations?
Replies: 20
Views: 1060

Re: Home Appliance Warranty - any recommendations?

I was always a "NEVER buy the extended warranty" person - but caved on my recent fridge. All my credit cards discontinued extended warranty coverage benefits in 2019, costco and sam's were completely out of stock on fridges fitting my space (thanks covid) and just couldn't stand the idea of spendin...
by seawolf21
Sun Sep 13, 2020 9:20 pm
Forum: Personal Consumer Issues
Topic: cancellation fee [event reservation]
Replies: 20
Views: 1887

Re: cancellation fee [event reservation]

Hi, Thank you for your advice. I also said to credit company seller can charge any fee if credit company logic is correct. Credit company said if seller charged more than $350, it is odd and credit company will continue investigation. But this time, $250, even it is not stated in original cancellat...
by seawolf21
Sun Sep 13, 2020 9:14 pm
Forum: Personal Consumer Issues
Topic: Home Appliance Warranty - any recommendations?
Replies: 20
Views: 1060

Re: Home Appliance Warranty - any recommendations?

Generally it is not worth it. But it could pay off for certain items known to have issues. Samsung French door ice makers are known to have issues but ice makers aside, certain models keep accurate temperature throughout so it worth buying it with warranty.
by seawolf21
Sun Sep 13, 2020 9:10 pm
Forum: Personal Consumer Issues
Topic: Credit Card Charge Dispute Who Generally Prevails?
Replies: 51
Views: 3731

Re: Credit Card Charge Dispute Who Generally Prevails?

Each credit card dispute is decided on its own merits. No party is "more likely" to prevail over another. That being said, there may be some issuers who "eat" very small dollar amount disputes to avoid the expense of handling the matter. For example, anecdotally I have heard that AMEX will just cre...
by seawolf21
Sun Sep 13, 2020 8:43 pm
Forum: Personal Consumer Issues
Topic: Surge protector power strip - what to look for?
Replies: 49
Views: 2888

Re: Surge protector power strip - what to look for?

I currently have a desktop computer (iMac) and a couple of external backup drives plugged into the electrical wall outlet. I also have a small desk lamp plugged in to the wall outlet. As I needed more than the two outlets on the wall, I picked up an inexpensive power strip for more outlets a while ...
by seawolf21
Sun Sep 13, 2020 8:30 pm
Forum: Personal Consumer Issues
Topic: Looking for reliable printer compatible with PC+Chromebook
Replies: 11
Views: 690

Re: Looking for reliable printer compatible with PC+Chromebook

Pretty much any modern printer would work with PC and chrome book (and mac).
by seawolf21
Sun Sep 13, 2020 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Canadian bank account
Replies: 11
Views: 911

Re: Canadian bank account

I opened a regular checking account at TD Canada Trust with my US passport and US address beginning of this year when I was visiting family there. Took 30 minutes in branch, the cross border banking account they have was more meant for Canadians having a need for banking in US, not the other way ar...
by seawolf21
Sun Sep 13, 2020 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Can I still refinance? Refinanced a month ago.
Replies: 17
Views: 1981

Re: Can I still refinance? Refinanced a month ago.

OP didn’t mention if the refi was cash out or not. If cash out, you can’t refi until 6 months has passed.
by seawolf21
Sat Aug 22, 2020 1:27 am
Forum: Personal Consumer Issues
Topic: Silver candlesticks - how to determine if weighted or not
Replies: 7
Views: 954

Re: Silver candlesticks - how to determine if weighted or not

Instead of graduated cylinder, a Home Depot bucket and a sharpie?
by seawolf21
Fri Aug 21, 2020 9:01 am
Forum: Personal Finance (Not Investing)
Topic: How HDHPs Work
Replies: 32
Views: 2007

Re: How HDHPs Work

YMMV For my plan, HDHP cost less under most scenarios. My employer provides a contribution to HSA. Per paycheck premium is significantly lower than traditional plans. Even with each family member has a couple of minor visit (traditional plan will have a low copay vs HDHP would be paying contract rat...
by seawolf21
Wed Aug 19, 2020 7:03 am
Forum: Personal Finance (Not Investing)
Topic: How HDHPs Work
Replies: 32
Views: 2007

Re: How HDHPs Work

My HDHP does not require pre authorization. You also don’t pay at visit. You pay after the claim has been submitted by provider, processed by insurer and only after provider sends you the bill for the patient responsible amount. We've had one provider in recent years ask for payment in advance base...
by seawolf21
Wed Aug 19, 2020 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Risk with paying someone with a personal check
Replies: 76
Views: 5150

Re: Risk with paying someone with a personal check

If you truly believe that a checking account number is a public knowledge, please post your full checking account numbers here. By the way, my credit union no longer prints the account number on its statement. Comparng with a con guy like Abagnale is silly. He does not have to bother a little guy l...
by seawolf21
Mon Aug 17, 2020 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: How HDHPs Work
Replies: 32
Views: 2007

Re: How HDHPs Work

My HDHP does not require pre authorization. You also don’t pay at visit. You pay after the claim has been submitted by provider, processed by insurer and only after provider sends you the bill for the patient responsible amount. We've had one provider in recent years ask for payment in advance base...
by seawolf21
Mon Aug 17, 2020 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Risk with paying someone with a personal check
Replies: 76
Views: 5150

Re: Risk with paying someone with a personal check

+1. It these numbers are “confidential,” they wouldn’t be printed on your checks. The only defense against this info being made public is to burn your checks. Check forging has a long history. Check out “Catch Me If You Can” which is a biography on Frank Abagnale. I love the scene where he’s floati...
by seawolf21
Mon Aug 17, 2020 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Risk with paying someone with a personal check
Replies: 76
Views: 5150

Re: Risk with paying someone with a personal check

Your checking account number is public information; it is printed right there on the check and is how the bank knows from whom to draw the funds. If check fraud is a concern, do not keep a lot of money in your checking account. This is one reason "savings" accounts exist. You can also pay with a ca...
by seawolf21
Mon Aug 17, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Risk with paying someone with a personal check
Replies: 76
Views: 5150

Re: Risk with paying someone with a personal check

Your checking account number is public information; it is printed right there on the check and is how the bank knows from whom to draw the funds. If check fraud is a concern, do not keep a lot of money in your checking account. This is one reason "savings" accounts exist. You can also pay with a ca...
by seawolf21
Mon Aug 17, 2020 11:26 am
Forum: Personal Finance (Not Investing)
Topic: How HDHPs Work
Replies: 32
Views: 2007

Re: How HDHPs Work

My HDHP does not require pre authorization. You also don’t pay at visit. You pay after the claim has been submitted by provider, processed by insurer and only after provider sends you the bill for the patient responsible amount.
by seawolf21
Wed Aug 12, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: WiFi burglar and fire/smoke detector system
Replies: 76
Views: 3869

Re: WiFi burglar and fire/smoke detector system

After I have a phone call with my current alarm installer, it seems as though RING is the answer. Based on your first post, I think ring is fine. Ring uses WiFi or Ethernet and comes with cellular backup (I believe service is provided by AT&T) if internet is not available. Built in battery in alarm...
by seawolf21
Mon Jul 27, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: Pay Property and Income Tax Online or via Snail Mail
Replies: 17
Views: 1252

Re: Pay Property and Income Tax Online or via Snail Mail

A lot more secure online IMO. You get an electric receipt right after you submit the payment. With snail mail what proof is there if the letter is lost or stolen? +1 Paper checks are not secure at all. Thieves have been fishing checks out of mail boxes resulting in USPS replacing with new design. O...
by seawolf21
Mon Jul 27, 2020 2:30 pm
Forum: Personal Consumer Issues
Topic: Pay Property and Income Tax Online or via Snail Mail
Replies: 17
Views: 1252

Re: Pay Property and Income Tax Online or via Snail Mail

A lot more secure online IMO. You get an electric receipt right after you submit the payment. With snail mail what proof is there if the letter is lost or stolen? +1 Paper checks are not secure at all. Thieves have been fishing checks out of mail boxes resulting in USPS replacing with new design. O...
by seawolf21
Thu Jul 23, 2020 3:25 am
Forum: Personal Consumer Issues
Topic: Low Denomination Stamps
Replies: 4
Views: 605

Re: Low Denomination Stamps

Yes they do but I rather use an extra forever stamp to avoid waiting forever at the post office to get exact postage.
by seawolf21
Thu Jul 23, 2020 3:09 am
Forum: Personal Finance (Not Investing)
Topic: Getting a refund on a cancelled vacation
Replies: 22
Views: 1771

Re: Getting a refund on a cancelled vacation

As per my prior post, it depend whether FL EO applies and it does not appear it applies as check-in IS March 28. If EO does not apply then OP is out of luck as my understanding is OP cancelled first. Both MC and VISA have provided guidance. Cardholder initiated cancellations would be in merchant fav...
by seawolf21
Wed Jul 22, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a refund on a cancelled vacation
Replies: 22
Views: 1771

Re: Getting a refund on a cancelled vacation

Does Section (B)(iii) in March 27 FL Executive cover or exclude you? https://www.flgov.com/wp-content/uploads/orders/2020/EO_20-87.pdf This directive shall not include the following: Rental stays where guests are currently staying in a vacation rental or have previously booked a stay and are schedul...
by seawolf21
Wed Jul 22, 2020 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter getting job in the UK and tax/IRA implications
Replies: 16
Views: 1605

Re: Daughter getting job in the UK and tax/IRA implications

My daughter just received a job offer in the UK (London) after graduating a university there (masters degree) and she will probably take it. It's a great opportunity for her. She's a US citizen (and is getting some sort of work visa from the company). I am trying to help her with getting some infor...
by seawolf21
Wed Jul 22, 2020 10:12 am
Forum: Personal Consumer Issues
Topic: For 60k, a X5 or Tesla model Y?
Replies: 63
Views: 6471

Re: For 60k, a X5 or Tesla model Y?

We have had 2 BMWs and love them. But very intrigued with Tesla and the self driving feature. What do Bogleheads think? At this point in our retirement, we are financially very comfortable so the expenses of BMW would not be an issue...but everywhere I read, people are crazy about Tesla, so we woul...
by seawolf21
Wed Jul 22, 2020 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa signature card
Replies: 29
Views: 3443

Re: Fidelity Rewards Visa signature card

Once you set up auto-pay, why would you need to log into their site again? Huh? I suppose one would never have to go onto the site again if they never review their card transactions or they are on paper statements and only review transactions once a month when it arrives I would imagine many/most p...
by seawolf21
Wed Jul 22, 2020 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa signature card
Replies: 29
Views: 3443

Re: Fidelity Rewards Visa signature card

On the fidelity web page for application, it says that elan is the bank. Question - what website do I use to pay the bills? Elan's? or Fidelity's? Don't want to deal with another website to save .5% over what I'm already getting. You are using Elan’s site for all account transactions related to the...
by seawolf21
Tue Jul 21, 2020 10:45 pm
Forum: Personal Investments
Topic: Fidelity Brokerage and/or Cash Management Account?
Replies: 18
Views: 9445

Re: Fidelity Brokerage and/or Cash Management Account?

A note about Fidelity's debit cards. There are two types - linked with the brokerage account (A) or with the Cash Management account (B). I had the type A card. The domestic ATM fees were not automatically waived. I've had to call to ask for special waiver which I understand may not always be grant...
by seawolf21
Tue Jul 21, 2020 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6997
Views: 465718

Re: Refinance Mega Thread

Anyone get so far as to lock a rate with one lender, get to the beginning of underwriting and then withdraw because of a better offer (that the first company was shown and given the opportunity to match)? I just withdrew an application and was told that I don't have integrity for telling the first ...
by seawolf21
Tue Jul 21, 2020 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Refinance calculator that accounts for front loaded interest and resetting the clock
Replies: 6
Views: 330

Re: Refinance calculator that accounts for front loaded interest and resetting the clock

I'm having trouble with figuring out if I should bother refinancing. I have a 30 yr fixed mortgage and will likely switch to another 30 yr fixed mortgage, and I'm concerned about 'resetting' the clock and continuing to pay the bulk of my payment towards interest. My goal is to free up more cash for...
by seawolf21
Mon Jul 20, 2020 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Electrical upgrades for a new build home
Replies: 60
Views: 4092

Re: Electrical upgrades for a new build home

I'd focus on the items that are much harder, if not impossible, once the house is finished. If you want 220v receptacles in the finished basement or garage, now is the time to do it. OTOH, USB receptacles and GFCIs can be added any time. NEC mandates basic minimums like plug placement/frequency, GF...
by seawolf21
Mon Jul 20, 2020 1:16 am
Forum: Personal Finance (Not Investing)
Topic: What happens if I stop mortgage refinance process?
Replies: 11
Views: 1487

Re: What happens if I stop mortgage refinance process?

HomeStretch wrote: Sun Jul 19, 2020 12:49 pm Did you sign any form or agreement with the lender that states you are responsible if you cancel the refinance for reimbursing the bank for any fees paid by them?
Unlikely to exist as it would likely conflict with Fed requirement on 3 day recission post closing.
by seawolf21
Mon Jul 20, 2020 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Electrical upgrades for a new build home
Replies: 60
Views: 4092

Re: Electrical upgrades for a new build home

If you are going to have them run Ethernet, have them run cat 7. Cat 7 is not that expensive. The interior GFCI receptacle is a rip off as you can replace a normal receptacle yourself with a GFCI for $20. The builder is charging $75 difference between adding a normal vs GFCI receptacle when a GFCI i...
by seawolf21
Sun Jul 19, 2020 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 165
Views: 36214

Re: Do not use Personal Capital

I see a lot of responses on technical security but haven’t seen one mentioned on security of being able to monitor all accounts easily on a weekly/daily basis. The ability to easily detect signs of unauthorized transactions earlier is better than an individual who ends up checking their balances onc...
by seawolf21
Sun Jul 19, 2020 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Fixing Excess HSA Contribution
Replies: 19
Views: 982

Re: Fixing Excess HSA Contribution

I wouldn’t lose sleep over it. As long as excess is withdrawn, the associated earnings wouldn’t really matter. That's certainly one approach... but the Regulations are clear... from Pub 969 Completely aware of regs having gone thru that but from a practical perspective, there is no way IRS will kno...
by seawolf21
Sat Jul 18, 2020 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Another refinance thread..
Replies: 20
Views: 1597

Re: Another refinance thread..

Note that the interest paid on refinanced amount is NOT tax-deductible after the passage of Tax Cuts and Jobs Act. So even if you are able to get a 2.75% for 30 years (the rates have shot up dramatically over the past 2 weeks), that would be an after-tax rate of 2.75%. The interest on a cash-out re...
by seawolf21
Fri Jul 17, 2020 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Another refinance thread..
Replies: 20
Views: 1597

Re: Another refinance thread..

Note that the interest paid on refinanced amount is NOT tax-deductible after the passage of Tax Cuts and Jobs Act. So even if you are able to get a 2.75% for 30 years (the rates have shot up dramatically over the past 2 weeks), that would be an after-tax rate of 2.75%. The interest on a cash-out re...
by seawolf21
Fri Jul 17, 2020 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: My office job in NYC has just gone remote for the rest of the year. Can I reduce my tax burden by moving to Florida?
Replies: 92
Views: 8710

Re: My office job in NYC has just gone remote for the rest of the year. Can I reduce my tax burden by moving to Florida?

Yes, NY will make it hard for you and do an audit. They likely have a New York State Auditor in every city over 500k people. https://www.cnbc.com/2019/03/08/tax-collectors-chase-rich-new-yorkers-moving-to-low-tax-states.html New York is looking at cellphone records, social media feeds, and veterina...
by seawolf21
Fri Jul 17, 2020 6:58 am
Forum: Personal Finance (Not Investing)
Topic: My office job in NYC has just gone remote for the rest of the year. Can I reduce my tax burden by moving to Florida?
Replies: 92
Views: 8710

Re: My office job in NYC has just gone remote for the rest of the year. Can I reduce my tax burden by moving to Florida?

I would make sure that the work-at-home situation is permanent. And regardless, the state tax rules depend the pretty strict qualifications for where you are "domiciled." Read up on domicile rules in NY which are somewhat complex and not that easy to navigate. If you have significant connections in...
by seawolf21
Wed Jul 15, 2020 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 6997
Views: 465718

Re: Refinance Mega Thread

Any advice for those of us with lower loan amounts. I have $154,000 remaining on a 30 year mortgage. Would like to refinance to a 15 year. When I go through LenderFi website, to get to true no-cost it's a 3.375% rate on 15 year. However, just playing around with the inputs and increasing remaining ...
by seawolf21
Tue Jul 14, 2020 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Fixing Excess HSA Contribution
Replies: 19
Views: 982

Re: Fixing Excess HSA Contribution

I wouldn’t lose sleep over it. As long as excess is withdrawn, the associated earnings wouldn’t really matter. IRS is not going to know what the associated earnings are. The custodian calculating it wrong or refusing to calculate it is their responsibility. You did your part by removing the excess c...
by seawolf21
Tue Jul 14, 2020 11:53 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1223
Views: 108614

Re: My LenderFi refinance is going well

Anyone have experience with lenderfi's 180 day refinance clawback rule? I know I signed one ~3 months ago but lenderfi has since sold my mortgage to Fannie Mae and servicing by Wells Fargo. Wondering if they can/will clawback the lender credit if I jumped at another refinance? Bump. Anyone have any...
by seawolf21
Tue Jul 14, 2020 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Should I fire my tax preparer?
Replies: 57
Views: 4649

Re: Should I fire my tax preparer?

I don’t see anything on the first post that can’t be done easily in TT. There are questions for RSU in TT.
by seawolf21
Sun Jul 12, 2020 2:11 pm
Forum: Personal Consumer Issues
Topic: Coffee storage
Replies: 42
Views: 3413

Re: Coffee storage

I’m currently evaluating airscape containers.
by seawolf21
Sat Jul 11, 2020 9:29 pm
Forum: Personal Consumer Issues
Topic: Q on Costco membership mortgage refinance service/benefits
Replies: 8
Views: 999

Re: Q on Costco membership mortgage refinance service/benefits

I would say don't bother with Costco-affiliated lenders. I'm on my 5th refi in the past 2 years and Costco-affiliated lenders have never been competitive. Just now it's quoting 2.875% with $350 origination fee for 30 year. You should be easily getting that rate with $1,000 to $2,000 lender credit n...
by seawolf21
Sat Jul 11, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1223
Views: 108614

Re: My LenderFi refinance is going well

Looks like LenderFi is pausing again on accepting new applications.