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xyz12

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.

xyz12

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).

xyz12

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?

xyz12

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 ...

xyz12

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.

xyz12

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.

xyz12

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?

xyz12

Congrats!

xyz12

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...

xyz12

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...

xyz12

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.

xyz12

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 ...

xyz12

0.09%

Like many here, I'm fortunate to have extremely low cost funds in my 401K.

xyz12

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.

xyz12

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...

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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...

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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...

xyz12

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)

xyz12

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...

xyz12

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.

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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...

xyz12

Technivorm Moccamaster. Makes an insanely good cup of coffee.

xyz12

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...

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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...

xyz12

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.

xyz12

Early thirties, save about 60% - 62% of gross income.

xyz12

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.

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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...

xyz12

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.

xyz12

Great thread. Thanks for all the hard work on this!

xyz12

70% Domestic, 30% International

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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...

xyz12

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 ...

xyz12

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...

xyz12

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...

xyz12

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...

xyz12

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...

xyz12

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...

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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...

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Thanks for posting! Great article.

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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...

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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...

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Started "investing" at age 22, when a 401K was made available to me.

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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...

xyz12

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...

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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...

xyz12

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...

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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...

xyz12

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...

xyz12

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...

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