Search found 288 matches

by seawolf21
Thu Sep 05, 2019 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Current 15 year mortgage rates- refi?
Replies: 6
Views: 1065

Re: Current 15 year mortgage rates- refi?

3 weeks ago, it was 3% with lender credit. You should be able to do better. I would go to mortgage professor for a quote and then take it to better.com (if they serve your state).
by seawolf21
Thu Sep 05, 2019 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Career change at 36- Finance to Nursing/PA?
Replies: 40
Views: 3724

Re: Career change at 36- Finance to Nursing/PA?

OP wrote why he wanted to leave current career but didn't mention anything about why nursing/PA. Seems like grass is greener/mid-life crisis.
by seawolf21
Fri Aug 30, 2019 5:15 am
Forum: Personal Finance (Not Investing)
Topic: Should we let go of our Realtor and get a Real Estate Attorney?
Replies: 82
Views: 4198

Re: Should we let go of our Realtor and get a Real Estate Attorney?

Which state are you in? Some states allow buyer agent to provide a part of their rebate to buyer. In NJ/NY, some buyers agent work on a non-traditional model and gives you half of their commission (sometimes even more).
by seawolf21
Tue Aug 27, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: HDHP with pregnancy a good idea?
Replies: 13
Views: 1161

Re: HDHP with pregnancy a good idea?

You are probably better off with plan 3 Assuming $30k in-network expenses (which is high for no complications). Plan 1: After $1800 deductible, $28.2k at 20% is $5,600. OOP includes deductible so your max is $6,000 plus premium or total of $13194. Plan 3: After $5500 deductible, $24.5k at 20% is $49...
by seawolf21
Fri Aug 23, 2019 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Title Insurance on Refi
Replies: 22
Views: 1406

Re: Title Insurance of REfi

Title insurance has two components, lenders and owners insurance. On a purchase, the seller pays for owners insurance. On a refi, owner pays for both. On refis, I skip the owners title. Ownership isn't changing so I didn't see the point to get new owners policy. IME Seller wouldn’t be paying for bu...
by seawolf21
Thu Aug 22, 2019 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Title Insurance on Refi
Replies: 22
Views: 1406

Re: Title Insurance of REfi

Title insurance has two components, lenders and owners insurance. On a purchase, the seller pays for owners insurance. On a refi, owner pays for both. On refis, I skip the owners title. Ownership isn't changing so I didn't see the point to get new owners policy. IME Seller wouldn’t be paying for bu...
by seawolf21
Wed Aug 21, 2019 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance my mortgage?
Replies: 2
Views: 368

Re: Refinance my mortgage?

Go to mortgage professor then take best quote to other lenders above to see if they match.

If one can accurately predict future rates, they wouldn’t need a mortgage as they would be rich.
by seawolf21
Wed Aug 21, 2019 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to refinance before moving in?
Replies: 19
Views: 1449

Re: Possible to refinance before moving in?

There is occupying and occupying. Does occupy mean that I have to sleep there every night? In my situation, I bought earlier than expected, I still have a rental that I'm paying for, I'm going out of town for two weeks after the closing (the buyer's reimbursed property taxes and utilities for those...
by seawolf21
Wed Aug 21, 2019 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to refinance before moving in?
Replies: 19
Views: 1449

Re: Possible to refinance before moving in?

Just wanted to bump and succinctly summarize the question: 4. Can we refinance the property as our primary residence now, without living there yet? I recently bought a home and there was a clause in the mortgage saying that I couldn’t pay off the loan (as part of a refinance, etc) for 6 months. You...
by seawolf21
Tue Aug 20, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best place for Shopping mortgage refi rates?
Replies: 12
Views: 1010

Re: Best place for Shopping mortgage refi rates?

I would check mortgage professor and better.com. In NJ they were really ahead of Costco.
by seawolf21
Sun Aug 18, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Possible to refinance before moving in?
Replies: 19
Views: 1449

Re: Possible to refinance before moving in?

Depends on what work you are planning to do. If you have contractors resending the floor that is one thing but if you have them take guy out a kitchen that is something else entirely different. I guess my point is that nothing is going to happen inside the home during the entire refinance process, ...
by seawolf21
Sat Aug 17, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Are you refinancing now?
Replies: 73
Views: 6862

Re: Are you refinancing now?

I just locked with my local credit union 15 year fixed 2.875% rate w/$170 for 0.099% points for $172K loan on $285K value. They said their system says appraisal should be waived so closing costs with w/o appraisal fee + their lender credit should be $1,263 which I'll pay out of pocket. Currently ha...
by seawolf21
Sat Aug 17, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Possible to refinance before moving in?
Replies: 19
Views: 1449

Re: Possible to refinance before moving in?

Depends on what work you are planning to do. If you have contractors resending the floor that is one thing but if you have them take guy out a kitchen that is something else entirely different.
by seawolf21
Thu Aug 15, 2019 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Refinance!!! Go or No Go??
Replies: 18
Views: 2037

Re: Refinance!!! Go or No Go??

We are currently refinancing with Provident Funding right now. Based on their rates and payments on 30 year loans, every .125% rate reduction had different break even points based on the monthly payment. Reducing the loan from 4% to 3.875% or 3.75% had a 4.4 year break even but taking it down to 3....
by seawolf21
Wed Aug 14, 2019 2:06 am
Forum: Personal Finance (Not Investing)
Topic: Are you refinancing now?
Replies: 73
Views: 6862

Re: Are you refinancing now?

I don't get why better needs to do a soft inquiry for a basic rate quote Too invasive for me Currently locked for a 15-year 3% no cost. Can you share name.of the Lender Go to better.com to get a loan estimate. Then go to mortgage professor to get the best quote. If price is lower than better, obtai...
by seawolf21
Wed Aug 14, 2019 2:03 am
Forum: Personal Finance (Not Investing)
Topic: Refinance!!! Go or No Go??
Replies: 18
Views: 2037

Re: Refinance!!! Go or No Go??

I am into second year of a 20 year mortgage @ 4% with currently $175k balance. A credit union has offered a 15 year mortgage at 3% with zero points. This refinance cost is estimated to be at $5k. I am having a hard time crunching the numbers to determine if its worth moving forward with the refinan...
by seawolf21
Tue Aug 13, 2019 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Breaking a mortgage rate lock
Replies: 17
Views: 1212

Re: Breaking a mortgage lock

The reason why I asked was because the first lender called me and talked in a very frustrated manner. I didn't even tell him that I was pulling out my application. I just send him the better loan estimate and asked if he could match or beat that. He told me that I was kind of screwing him by pullin...
by seawolf21
Tue Aug 13, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Are you refinancing now?
Replies: 73
Views: 6862

Re: Are you refinancing now?

Pessimist55 wrote:
Mon Aug 12, 2019 11:55 pm
seawolf21 wrote:
Mon Aug 12, 2019 1:35 pm
Currently locked for a 15-year 3% no cost.


Can you share name.of the Lender
Go to better.com to get a loan estimate. Then go to mortgage professor to get the best quote. If price is lower than better, obtain a loan estimate and send to better.com for their best price guarantee.
by seawolf21
Mon Aug 12, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Rate Reduction or Refinance
Replies: 14
Views: 681

Re: Rate Reduction or Refinance

Agreed with afan. If you can predict (instead of "a prediction" that came true due to coincidence) where rates are heading, you would be rich.
by seawolf21
Mon Aug 12, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Rate Reduction or Refinance
Replies: 14
Views: 681

Re: Rate Reduction or Refinance

Seems like I am going anti-Boglehead here but it just seems like there are enough signs out (slowing economy, global trade, stock market bull run seemingly slowing/ending) there that rates will drop more than this by the end of the year. I already have a decent rate (3.625%) but am looking to reduc...
by seawolf21
Mon Aug 12, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Rate Reduction or Refinance
Replies: 14
Views: 681

Re: Rate Reduction or Refinance

How is "break even" being calculated? If it is current monthly payment vs. new monthly payment, then the break even calculation is not accurate because the monthly payment consist of principal and interest. The portion attributable to principal is not money you are giving the the bank, it is a conve...
by seawolf21
Mon Aug 12, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Things to keep in mind after refinancing
Replies: 6
Views: 589

Re: Things to keep in mind after refinancing

Make sure prior lender record the release for the old lien from county records within timeframe (probably 30 days) Should I call county office to confirm this? Lender should send you a copy of the release but definitely worth confirming with county clerk that it was recorded correctly and to your l...
by seawolf21
Mon Aug 12, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Things to keep in mind after refinancing
Replies: 6
Views: 589

Re: Things to keep in mind after refinancing

Make sure prior lender record the release for the old lien from county records within timeframe (probably 30 days)
by seawolf21
Mon Aug 12, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Are you refinancing now?
Replies: 73
Views: 6862

Re: Are you refinancing now?

Currently locked for a 15-year 3% no cost.
by seawolf21
Sat Aug 10, 2019 2:37 am
Forum: Personal Finance (Not Investing)
Topic: Where to find rates for no-cost refi?
Replies: 57
Views: 4106

Re: Where to find rates for no-cost refi?

Better.com usually have the best rates IME and they have a price guarantee.
by seawolf21
Fri May 24, 2019 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Comparison shopping for a mortgage - any advice?
Replies: 17
Views: 2027

Re: Comparison shopping for a mortgage - any advice?

Have you looked at better.com? They have a price match.
by seawolf21
Fri May 24, 2019 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Finance and it’s lenders (Consumer Direct)
Replies: 24
Views: 3535

Re: Costco Finance and it’s lenders (Consumer Direct)

I purchased 6 months ago and just did a refinance. Shopped Garden State Home Loans (GSHL), better.com, and the Costco lenders. In both situations GSHL and better.com beat Costco lenders.
by seawolf21
Sun Mar 17, 2019 1:19 am
Forum: Personal Finance (Not Investing)
Topic: CPA is not including form 8606 for my backdoor Roth
Replies: 86
Views: 6371

Re: CPA is not including form 8606 for my backdoor Roth

Good point, I am younger than 59.5! edit: Also yeah, I thought getting a CPA would make things easier but so far it has been the opposite. I’d fire the cpa if he/she doesn’t get this after a brief discussion. This seems to be a recurring theme this time of the year. Being a CPA does not equate to b...
by seawolf21
Sun Jan 20, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Geico auto - used parts??
Replies: 26
Views: 1761

Re: Geico auto - used parts??

In case of collision claim, geico allow us to use OEM parts. Their repair centers are best and have lifetime warranty on what they worked on. In windshield claim, if you have crack they go to safelite to avoid replaement But if you need replacement its OEM or OEM equivalent in windshield glass and ...
by seawolf21
Mon Dec 03, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Rental car classifications
Replies: 13
Views: 1258

Re: Rental car classifications

I don't know if it has been the case in the past, maybe I just noticed this year because have I re-booked about 10 times at progressively lower rates for a trip we are taking.......... I've been doing the same thing.....it's almost like an obsession to me......LOL. :sharebeer try autoslash if you a...
by seawolf21
Sat Oct 20, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 9538

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

One thing I worry about with this wireless equipment is whether someone can drive up with equipment that jams all the wireless signals and just break into your house? Also, if it is on the same network as all the internet browsing it seems people could hack into it through household members browsin...
by seawolf21
Sat Oct 20, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card claim for rental car collision?
Replies: 36
Views: 3420

Re: Credit card claim for rental car collision?

I second making sure the auto insurance maximum days of coverage is adequate.
by seawolf21
Sat Oct 20, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Waiving contingencies for co-op purchase?
Replies: 17
Views: 1217

Re: Waiving contingencies for co-op purchase?

Shouldn’t signs of water leaking be handled by the board and building management? And if they are not maintaining the building, I would be concern what else they not taking care of.
by seawolf21
Sat Oct 20, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 9538

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

One thing I worry about with this wireless equipment is whether someone can drive up with equipment that jams all the wireless signals and just break into your house? Also, if it is on the same network as all the internet browsing it seems people could hack into it through household members browsin...
by seawolf21
Fri Oct 19, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: How important is registered mail for important documents?
Replies: 28
Views: 1829

Re: How important is registered mail for important documents?

State Department sends you passport and supporting documents by priority mail.
by seawolf21
Fri Oct 19, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Shopping
Replies: 5
Views: 2368

Re: Mortgage Shopping

Your approach is spot on and should yield good results. I usually recommend comparing: - your primary bank or CU - quicken loans (rocket mortgage) or loan depot (the two largest non-bank lenders - Sebonic (part of Cardinal), Amerisave or ConsumerDirect (all low cost leaders) If you want it online, ...
by seawolf21
Fri Oct 19, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 55
Views: 6508

Re: Has anyone taken out an online mortgage?

In Fall, 2016, we refied after shopping on Bankrate and Zillow. IIRC, the online form required inputting information, but I got nonbinding quotes with no credit pull, until I actually applied to a specific lender. We went with an outfit called AnnieMac in New Jersey, and all went smoothly. 3% fixed...
by seawolf21
Thu Oct 18, 2018 11:40 pm
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 9538

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

I'm seriously considering going with Ring Alarm (I just picked up one of their doorbells). $10/month monitoring vs. $42.99/month that I currently pay (Frontpoint) and that $10 includes video storage too for any of their doorbells/cameras. Even with the equipment purchase it looks I will break even ...
by seawolf21
Thu Oct 18, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 17709

Re: Where would you go for financial guidance if you win the Megamillions?

You ask where would I go for guidance? I would go to Vegas and bet it all on black. :D
by seawolf21
Thu Oct 18, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 9538

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

We have the ring system. Doorbell and four plug in camera around our house and in our barn. 100 a year to store all the alerts we get in case we need them. They were very easy to install did them all in a day. The doorbell is wireless/battery the others are plug in and connect to our wifi. Overall ...
by seawolf21
Tue Oct 16, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 9538

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

We have the ring system. Doorbell and four plug in camera around our house and in our barn. 100 a year to store all the alerts we get in case we need them. They were very easy to install did them all in a day. The doorbell is wireless/battery the others are plug in and connect to our wifi. Overall ...
by seawolf21
Sun Oct 14, 2018 11:42 pm
Forum: Personal Consumer Issues
Topic: Using credit card rental car insurance
Replies: 14
Views: 1346

Re: Using credit card rental car insurance

Had two experiences with credit card CDW overseas: Greece and Ireland In most cases, you collision and comp does not apply outside of North America. Greece (2014): Car rental from with Enterprise With credit card coverage . Parked on Causeway to Monemvasia and came back to parked car with large scr...
by seawolf21
Sun Oct 14, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Using credit card rental car insurance
Replies: 14
Views: 1346

Re: Using credit card rental car insurance

I would also confirm that Italy is not an exclusion. Even if Italy is covered, confirm that theft in Italy is not an exclusion. When we traveled to Italy, only one of our three cards covered Italy and theft. Also most credit cards cover CDW, but I don't know any that cover liability. Liability may ...
by seawolf21
Sun Oct 14, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3847

Re: Not convinced with insurance

We bike. You are thinking that's it's possible that I can get sued me being on a bicycle? Funny you should mention that. Just a couple of months ago, my friend's 7 year old kid was hit by a delivery guy on a bike. Nothing serious and unlikely to need an umbrella but I could see getting sued by some...
by seawolf21
Sun Oct 14, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security System
Replies: 55
Views: 9182

Re: Simplisafe Home Security System

Thanks for the info on ring. It doesn’t seem ring has a panic button but everything else seems basically the same. No glass break sensor either I guess. I have a couple windows I am concerned about but I guess the entry sensor should work. I guess I am down to just researching Simplisafe and Ring a...
by seawolf21
Sat Oct 13, 2018 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Can a US citizen be a resident of NO state?
Replies: 61
Views: 20011

Re: Can a US citizen be a resident of NO state?

That document doesn't refute those guidelines. The audit documents states three primary criteria: 1) if you have a house in NY 2) where your money comes from 3) how much time you spend in NY If you don't have a house, don't earn money in NY and aren't spending time there, then you are simply not a ...
by seawolf21
Fri Oct 12, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Which one: Lyft or Uber?
Replies: 57
Views: 4689

Re: Which one: Lyft or Uber?

LIke others have mentioned, I have Uber/Lyft/Juno (NYC) installed and just pick whichever is cheaper. Sometimes the difference is 10 to 20%.
by seawolf21
Fri Oct 12, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Group: New Advisor
Replies: 17
Views: 2484

Re: Fidelity Private Client Group: New Advisor

tj wrote:
Fri Oct 12, 2018 4:28 pm
Sandi_k wrote:
Fri Oct 12, 2018 4:14 pm
Dottie57 wrote:
Wed Oct 10, 2018 2:50 pm
I am curious. What is the minimum requirement for the Private Client Group?
Dottie, I believe it's now $1M.

Do you get any free benefits for having that status?
Maybe free Turbotax..not 100% sure.
by seawolf21
Fri Oct 12, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Can a US citizen be a resident of NO state?
Replies: 61
Views: 20011

Re: Can a US citizen be a resident of NO state?

I investigated this issue about a year ago, and all my online research led to the conclusion that a U.S. citizen is always a resident of at least one state. The possibility of being a resident of more than one state was added by another poster, which I don't dispute. However, the answer to the ques...
by seawolf21
Fri Oct 12, 2018 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Can a US citizen be a resident of NO state?
Replies: 61
Views: 20011

Re: Can a US citizen be a resident of NO state?

This week talked to a CPA in Ohio and he told me the same thing. Said that it is a misconception that voting affects residency for tax purposes. But did not ask if this is only federal or also state. Think he implied this includes state but am not sure. Voter registration is used by many states as ...