Search found 61 matches

by xyz12
Fri Feb 14, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1751
Views: 162961

Re: My LenderFi refinance is going well

Just closed on my LenderFI refinance this morning. Took about 15 days from initial inquiry to close. Very pleased with the process, extremely easy and straightforward.

For anyone wondering, it looks like LenderFi sold servicing of my loan to Wells Fargo.
by xyz12
Fri Jan 31, 2020 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Online Home Refi
Replies: 4
Views: 619

Re: Online Home Refi

In the middle of a refinance with LenderFi. So far very straightforward and easy. Offered the best rate I could find (15 year @ 2.875% with ~$900 in closing costs).
by xyz12
Tue Jan 21, 2020 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1751
Views: 162961

Re: My LenderFi refinance is going well

Contemplating refinancing with LenderFi.

Does anyone know who service's the loan? Do they sell it? If they handle it, how's their website / interface for making additional principal payments?
by xyz12
Sun Dec 01, 2019 4:12 pm
Forum: Personal Consumer Issues
Topic: Finally got my 3% ARM mortgage
Replies: 16
Views: 2675

Re: Finally got my 3% ARM mortgage

I am about to close on a 3% fixed, 15 year, refinance with no cash out, no points, no appraisal required (because the loan is 20% LTV), fees of $500 because I don't want to escrow T&I (would have been $0 if I did the T&I escrow). 3 weeks from loan app to close. Who did you go through? I've ...
by xyz12
Wed Jun 14, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 11316

Re: Have you canceled cable?

Cancelled cable 5 years ago. We use a Mohu Leaf Antenna to pick up OTA HD channels and have an AppleTV for other types of content. We do pay for HBO Now and Netflix. The only thing I miss is sporting events, but not enough to pay for cable.
by xyz12
Thu May 18, 2017 4:31 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 211
Views: 33928

Re: For those with $500k-$1m in investments...

Ages: 36 and 31, Portfolio: 1.0M investments, and roughly ~53% in taxable. We have been fortunate enough to save above and beyond the tax deferred space we have available.
by xyz12
Tue Jan 17, 2017 11:17 am
Forum: Personal Investments
Topic: My co-worker boasting about his investments. What do you think about his selections?
Replies: 57
Views: 6726

Re: My co-worker boasting about his investments. What do you think about his selections?

rhodnius wrote: -------------------------------------------------------------

Total Stock Market VTI 2.30 A good choice for dummies

Total Bond Mkt BND 2.50 Great choice for dummies
Well, I guess that makes me a dummy? :D :) :beer
by xyz12
Thu Jan 05, 2017 2:14 pm
Forum: Personal Investments
Topic: 500K milestone celebration
Replies: 74
Views: 10160

Re: 500K milestone celebration

Congrats! :beer :beer
by xyz12
Thu Jan 05, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 360
Views: 58190

Re: Whats your number to walk away?

Age 36 (wife 31) and our FI/RE (or walk away) number is $2M in investments, plus a paid off house. We're currently at about 900K and should get there in the next 10 years. To us, the concept of walking away is really about quitting the 9-5 grind and work on someone else's terms. We may continue some...
by xyz12
Tue Jan 03, 2017 12:58 pm
Forum: Investing - Theory, News & General
Topic: This is a good weekend to start tracking your net worth.
Replies: 69
Views: 7246

Re: This is a good weekend to start tracking your net worth.

I've been calculating my net worth since about ~2008 when I found this board. I use a simple google spreadsheet and track the monthly balances of all accounts as well as savings contributions, market appreciation/depreciation, and dividends/capital gains. Like many have stated, it's been extremely h...
by xyz12
Wed Dec 02, 2015 10:04 am
Forum: Investing - Theory, News & General
Topic: Vanguard Partnering with Yodlee
Replies: 153
Views: 30767

Re: Vanguard Partnering with Yodlee

I just checked and do not have the new outside accounts page yet either. Really looking forward to trying this, as I'd love to be able to dump Personal Capital.
by xyz12
Wed Apr 01, 2015 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead Jeep owners? ("real Jeep's")
Replies: 51
Views: 10047

Re: Boglehead Jeep owners? ("real Jeep's")

I rented a Jeep Cherokee on my recent AZ trip and wasn't too impressed with it. It had 4X4 emblemage, but in looking over the owners manual, it had the el cheapo transmission, primarily FWD with some sort of dynamic power transfer to rear wheels depending on mode selection and conditions. I played ...
by xyz12
Mon Mar 02, 2015 1:07 pm
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 24417

Re: What's your average ER?

0.09%

Like many here, I'm fortunate to have extremely low cost funds in my 401K.
by xyz12
Sat Feb 28, 2015 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Have I made a terrible mistake? - whole life
Replies: 59
Views: 10309

Re: Have I made a terrible mistake? - whole life

Short answer, yes.

I would cancel the policy and just take your lumps now. I made a similar mistake in 2008 to the tune of $8,000 (lost premiums). Looking back, it was the right move and I chalked up to cheap education.
by xyz12
Tue Feb 17, 2015 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: best credit card for hotel rewards
Replies: 13
Views: 1613

Re: best credit card for hotel rewards

It's all personal preference. First, figure out where you intend to use the points and your typical spending patterns. Based on this, find a card that best fits. For instance, we went with the Chase Sapphire Preferred because it has 2x points on restaurants and travel (which accounts for over 70%+ o...
by xyz12
Fri Feb 06, 2015 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 2515

Re: Free TaxAct software

I didn't know about the online site. Thanks for the info. I guess I need to use the Deluxe version for $12.99 to import my data from last year, and I assume it will import data from Turbo Tax. Is that correct? Yes -- I just switched to TaxAct and and everything imported perfectly from my 2013 Turbo...
by xyz12
Tue Jan 20, 2015 10:16 am
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 162
Views: 36828

Re: What was your costliest investment mistake?

In 2006 I was suckered into purchasing a Whole Life Insurance Policy from an Northwestern Mutual agent. Cancelled it after 18 months after figuring out that it was a lousy investment with expensive insurance. Cost me $8,000 :oops: The silver lining is that it prompted me to really educating myself a...
by xyz12
Tue Nov 11, 2014 12:59 pm
Forum: Personal Investments
Topic: What is your age and AA?
Replies: 219
Views: 69943

Re: What is your age and AA?

Age 34 - 80% Equities / 20% Bonds

50% Total US (VTSAX)
20% Total Int'l (VTIAX)
5% Small Value (VSIAX)
5% REIT (VGSLX)
20% Total Bond (VBTLX)
by xyz12
Mon Oct 13, 2014 4:27 pm
Forum: Investing - Theory, News & General
Topic: Who should regularly contribute to taxable investments?
Replies: 34
Views: 4785

Re: Who should regularly contribute to taxable investments?

Perhaps another reason for regular contributions to taxable is for a mid-term goal, e.g., preparing to buy a house, where money can have some risk (perhaps allocated to [muni] bonds?) to avoid other risks (inflation). Putting too much in tax advantaged accounts would delay the ability to make a lar...
by xyz12
Thu Oct 02, 2014 6:16 pm
Forum: Personal Investments
Topic: Maxing your IRA or 401k at the beginning of the year?
Replies: 14
Views: 2146

Re: Maxing your IRA or 401k at the beginning of the year?

My employer doesn't match, so I generally try and max out my 401K at the beginning of the year in Jan/Feb. This doesn't impact my cash-flow, but if it did I would not take the same approach.
by xyz12
Mon Aug 18, 2014 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Percentage [rules of thumb]
Replies: 49
Views: 7850

Re: Savings Percentage [rules of thumb]

As many have said, it's really important to consider your goals. We have a 50 - 60% (gross) savings rate with a goal to be financially independent by 40 - 45. Obviously this is on the aggressive side, but aligns nicely with our primary goal of checking out of the corporate rat race. We want to be fr...
by xyz12
Sun Jul 27, 2014 11:03 pm
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 10653

Re: Best Coffee Maker? What do you have?

Technivorm Moccamaster. Makes an insanely good cup of coffee.
by xyz12
Tue Jan 28, 2014 11:03 am
Forum: Personal Consumer Issues
Topic: LIFE WITHOUT XP (Part 2): Replacing Outlook Express
Replies: 34
Views: 3265

Re: LIFE WITHOUT XP (Part 2): Replacing Outlook Express

How does this work when you are not connected? I often find myself with down time at an airport, in flight or other locations with no internet connection. With T-Bird I can go through and read emails, reply and they will blast out when I finally get connected. There is offline functionality with gm...
by xyz12
Tue Jan 28, 2014 10:43 am
Forum: Personal Consumer Issues
Topic: LIFE WITHOUT XP (Part 2): Replacing Outlook Express
Replies: 34
Views: 3265

Re: LIFE WITHOUT XP (Part 2): Replacing Outlook Express

You can import all of your archive mail into Gmail pretty easily. Simply set a gmail account, configure it to connect to your existing client (Outlook Express, Thunderbird, etc..) through IMAP. Drag and drop all of your archive mail over to gmail and it will transfer everything for you. Like many po...
by xyz12
Tue Dec 17, 2013 5:03 pm
Forum: Personal Consumer Issues
Topic: Ipad mini scratch guard necessary?
Replies: 7
Views: 750

Re: Ipad mini scratch guard necessary?

It really depends on how it'll be used or careful you are. I've had an iPad2 for over 2 years that has never had a cover/case/guard of any kind and it still looks flawless. I just picked up a new iPad Mini Retina and opted again not to protect it. The glass and metal make for a pretty durable device.
by xyz12
Thu Dec 12, 2013 11:57 am
Forum: Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 23927

Re: What percentage of your income are you saving?

Early thirties, save about 60% - 62% of gross income.
by xyz12
Wed Nov 20, 2013 2:14 pm
Forum: Personal Investments
Topic: Why I will use Target Retirement for the foreseeable future.
Replies: 38
Views: 5340

Re: Why I will use Target Retirement for the foreseeable fut

I considered doing the same thing quite awhile back when I initially ramped up my investments, but decided not too for a few reasons -- mostly ease of rebalancing and taking advantage of tax loss harvesting opportunities in my taxable.
by xyz12
Wed Nov 20, 2013 11:02 am
Forum: Personal Consumer Issues
Topic: huge Apple fan here BUT....
Replies: 28
Views: 4136

Re: huge Apple fan here BUT....

The problem with Surface is that it is in the middle of 2 worlds and is not serving either world satisfactorily. If you look at it like a laptop/PC, it's not sufficiently powerful and you can't do half the things you can do with a good PC. If you look at it like a tablet, it's lagging way behind in...
by xyz12
Thu Nov 14, 2013 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Switch Entirely To Ally Bank?
Replies: 39
Views: 14807

Re: Switch Entirely To Ally Bank?

I made the switch to pure online banking 3 years ago and couldn't be happier.

CapitalOne 360 Checking and Savings (formerly ING Direct) has been great and meets all my needs.
by xyz12
Tue Oct 22, 2013 1:22 pm
Forum: Investing - Theory, News & General
Topic: Improved Net Worth by Age [and plot]
Replies: 250
Views: 47329

Re: Improved Net Worth by Age [and plot]

Great thread. Thanks for all the hard work on this!
by xyz12
Fri Aug 16, 2013 12:41 pm
Forum: Personal Investments
Topic: Life insurance policy for tax advantage
Replies: 15
Views: 1600

Re: Life insurance policy for tax advantage

I'm around your age and made the mistake several years ago of buying one of these policies in attempt to shelter my investments from taxes. Instead I got tangled up in something I didn't understand and sold it after just 18 months. I learned the following lessons, many of which from this board: Whol...
by xyz12
Fri Aug 16, 2013 11:52 am
Forum: Personal Investments
Topic: Portfolio Review, Age 26
Replies: 25
Views: 3809

Re: Portfolio Review, Age 26

A couple of thoughts: 1. Your target allocation and plan to achieve your target allocation seems reasonable. I think you plan to move from cash is solid, given your fund choices and tax efficient placement. 2. Bob's not my name made a great point, you should definitely be taking advantage of a Roth ...
by xyz12
Thu Aug 15, 2013 4:43 pm
Forum: Personal Consumer Issues
Topic: Please check my plan B4 I blow my personal IT budget
Replies: 21
Views: 1930

Re: Please check my plan B4 I blow my personal IT budget

I was planning to make my Mac purchase at a nearby Micro Center which is about $100 cheaper than the Apple Store....but then I keep hearing about this wonderful Apple customer service at the store... Did anyone purchase their Macs at some place other than an Apple store? Thanks, BFG You can purchas...
by xyz12
Wed Aug 14, 2013 10:17 am
Forum: Personal Investments
Topic: Switch to Vanguard to avoid high exp ratios?
Replies: 5
Views: 805

Re: Switch to Vanguard to avoid high exp ratios?

Questions: 1. Based on following this forum, I should probably ditch my Morgan Stanley advisor pronto due to insanely high exp ratios. Would you agree? Yes. While those ER's are not obscene, you'll find they are simply a drag on your returns. It also appears you have (selected by your advisor?) a mi...
by xyz12
Tue Aug 13, 2013 4:10 pm
Forum: Personal Investments
Topic: Ugh, John Hancock 401k - is it worth it?
Replies: 11
Views: 1406

Re: Ugh, John Hancock 401k - is it worth it?

She should definitely contribute up to her employers match -- it's free money. Without more information it's tough to advise on whether she should contribute more. How valuable is the tax-deferred space in the context of your overall portfolio? Incomes? The fees and high expense ratios may not matte...
by xyz12
Tue Aug 13, 2013 11:32 am
Forum: Personal Consumer Issues
Topic: Please check my plan B4 I blow my personal IT budget
Replies: 21
Views: 1930

Re: Please check my plan B4 I blow my personal IT budget

For a variety of reasons, I am moving away from a large heavy Dell laptop to a more portable environment. I am looking at purchasing a MacBook Air (11 or 13), to use as a desk top system with a larger external monitor and wireless keyboard... When I need portability, would then unplug it and take i...
by xyz12
Mon Aug 12, 2013 1:21 pm
Forum: Personal Consumer Issues
Topic: Why aren't Car dealers prepared to deal?
Replies: 91
Views: 12229

Re: Why aren't Car dealers prepared to deal?

I spent this weekend looking for a new car (on the Web). I called a few dealers and NONE would give me a discount. I told them I was a cash buyer and would pick up the car that afternoon for the right deal. One dealer had the exact car I wanted on the lot. Jeep wrangler. I walked because they would...
by xyz12
Mon Aug 12, 2013 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Best On Line Bank?
Replies: 31
Views: 6262

Re: Best On Line Bank?

I have 3 years of funds in a Credit Union doing nothing. I was wondering if any of use an Online bank for this? I used to use ING many years ago but it looks like they are now a MegaBank (Capitol One I think). Personal experiences with $150k+ in an online bank would be appreciated. Thanks I've been...
by xyz12
Mon Aug 12, 2013 12:40 pm
Forum: Investing - Theory, News & General
Topic: Why You Need an Investment Philosophy.
Replies: 7
Views: 1030

Re: Why You Need an Investment Philosophy.

Thanks for posting! Great article.
by xyz12
Wed Aug 07, 2013 10:39 am
Forum: Personal Investments
Topic: How often to do re-allocate for drift?
Replies: 14
Views: 1379

Re: How often to do re-allocate for drift?

Just wondering how often folks here at the forum re-allocate? Every few years? Annually? Or do you monitor your drift and base it on that, say whenever allocation moves 5% out of line or something like that? I'm still in accumulation mode. I use both new contributions to bring underweighted asset c...
by xyz12
Tue Aug 06, 2013 2:16 pm
Forum: Personal Investments
Topic: REIT in taxable? A little confused, with few questions
Replies: 11
Views: 2133

Re: REIT in taxable? A little confused, with few questions

How much time are you prepared to invest in managing your finances, and how interested are you in reading books and consuming other sources of information to learn how to do so? If it isn't something that you *really* like doing you are probably better off just doing a three fund portfolio and goin...
by xyz12
Tue Aug 06, 2013 1:37 pm
Forum: Personal Investments
Topic: At what age you guys started investing ?
Replies: 61
Views: 5741

Re: At what age you guys started investing ?

Started "investing" at age 22, when a 401K was made available to me.
by xyz12
Tue Aug 06, 2013 11:09 am
Forum: Personal Investments
Topic: Extreme Early Retirement
Replies: 104
Views: 18319

Re: Extreme Early Retirement

Wow this post is depressing. 1.7 mil and can't retire? I've been reading the MMM and ERE blogs and had some hope to retire soon, on half of that :oops: (I am 48 though). I'll have to keep on plugging along, and continue cutting expenses. As a 32 year old, I couldn't but help to think the same thing...
by xyz12
Mon Aug 05, 2013 3:50 pm
Forum: Investing - Theory, News & General
Topic: Wikinvest-Is it Safe?
Replies: 18
Views: 3852

Re: Wikinvest-Is it Safe?

How do read only passwords work? Also, what does Mint stand for? Thanks. It's a unique password that can be setup to allow access to an account, but prevent someone from making changes ("read" or "view" only). One of the problems with a site like Mint.com is that in order to agg...
by xyz12
Mon Aug 05, 2013 9:48 am
Forum: Investing - Theory, News & General
Topic: Wikinvest-Is it Safe?
Replies: 18
Views: 3852

Re: Wikinvest-Is it Safe?

I think it would be really neat if financial companies started allowing two passwords for an account where the second was for read only access ( like a readonly web service). I wouldn't care if my read only password was hacked. But, I agree with others that's it's too dangerous to give out your nor...
by xyz12
Fri Aug 02, 2013 3:03 pm
Forum: Personal Investments
Topic: Investment Vices
Replies: 32
Views: 3179

Re: Investment Vices

I convinced myself (after becoming a Boglehead in 2007) that I could correctly pick emerging tech stocks, since it's my field. While I got super lucky with Apple in the 2008 downturn, I made plenty of mistakes with "sure bets" before finally closing my brokerage account and moving all of t...
by xyz12
Tue Jul 30, 2013 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: ESPlanner and Mac
Replies: 7
Views: 1371

Re: ESPlanner and Mac

I understand your hesitation, but the IT world has moved to Virtual Machines (VMs) in data centers, and that technology has trickled down to workstations. A VM is simply a file that becomes the VM at the time you need it to be one. It can be switched between processors, and even between machines, s...
by xyz12
Tue Jul 30, 2013 5:54 pm
Forum: Personal Investments
Topic: Backdoor Roth. Think I've got it down except....
Replies: 6
Views: 976

Re: Backdoor Roth. Think I've got it down except....

See my responses below: Husband and I plan to open our first Roths this year and they will be via backdoor conversions. I think I've got the logistics now thanks to your help, but a few more questions please. We're mid 50's and we'll each contribute max of $6500 in lump sums. Open nondeductable IRAs...
by xyz12
Tue Jul 30, 2013 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Changing savings account in search for higher yield
Replies: 20
Views: 2327

Re: Changing savings account in search for higher yield

I came to Capital One 360 via their purchase of ING Direct since we were depositors there. Absolutely no complaints about account access, fund transfer efficiency, or ease of their website. This surprises me because I expected a bad experience. Now, if they'd just get rid of Alec Baldwin as a spoke...