Search found 162 matches

by thatme
Tue Oct 20, 2020 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Used Car Purchase, No Title. Need Advice
Replies: 36
Views: 2977

Re: Used Car Purchase, No Title. Need Advice

Agreed - a reputable BMW dealer (as opposed to a sketch buy here-pay here car lot) should have long ago offered to buy back the car, send him a new temp plate while this is sorted out, offer a year of free service for the trouble, etc... I assume they will sort it out but it seems like a lot of BS. ...
by thatme
Fri Oct 16, 2020 8:09 am
Forum: Personal Finance (Not Investing)
Topic: How to get started in real estate
Replies: 13
Views: 1260

Re: How to get started in real estate

I own rentals 2,000 miles from where I live in a state I have never been to. What has that experience been like? How'd you get involved in it? How did you evaluate the property w/o ever seeing it? Asked him who he recommended for property management. I asked him what he thought they would rent for ...
by thatme
Thu Oct 15, 2020 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to get started in real estate
Replies: 13
Views: 1260

Re: How to get started in real estate

Has anyone experienced buying rental properties NOT near where they live (and on purpose, not because you owned a house and just didn't sell it when you moved)? In my MCOL/HCOL area, I can't get into rental real estate without debt and I'm a big proponent of no debt. I've considered buying some pro...
by thatme
Thu Oct 15, 2020 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: How to get started in real estate
Replies: 13
Views: 1260

Re: How to get started in real estate

Has anyone experienced buying rental properties NOT near where they live (and on purpose, not because you owned a house and just didn't sell it when you moved)? In my MCOL/HCOL area, I can't get into rental real estate without debt and I'm a big proponent of no debt. I've considered buying some prop...
by thatme
Mon Oct 12, 2020 10:44 am
Forum: Personal Consumer Issues
Topic: Mountain Cabin - Where would you own?
Replies: 28
Views: 4077

Re: Mountain Cabin - Where would you own?

I'm in the process of building a cabin in Wyoming at 9,000 feet. I would love to live up there full-time/work remotely but I don't know if I could convince my wife to buy into that plan. The reliable Internet is a big deal - there is available satellite internet but the service is spotty and relativ...
by thatme
Thu Sep 10, 2020 12:07 pm
Forum: Personal Consumer Issues
Topic: Seeing Copenhagen in One Day?
Replies: 13
Views: 932

Re: Seeing Copenhagen in One Day?

I echo everyone else's recommendations - Copenhagen is a really fun city to visit. You probably don't have time for everything listed but the other place my wife and I really enjoyed was this museum: https://en.wikipedia.org/wiki/Danish_Jewish_Museum It's pretty central and near many of the other th...
by thatme
Mon Sep 07, 2020 7:19 pm
Forum: Personal Investments
Topic: Newer investor, lost access to 457b, now what?
Replies: 5
Views: 409

Re: Newer investor, lost access to 457b, now what?

I thought about posting something very similar. My wife just got a job in a new district and we no longer have access to a 457b. She has a 401k, which we will continue to max, and a 403b, but the choices are ATROCIOUS as are the fees. I think we’re just going to stick with taxable for the amount we ...
by thatme
Mon Sep 07, 2020 2:34 pm
Forum: Personal Investments
Topic: Prepay student loans OR megabackdoor Roth? (26 y/o in Biglaw; 190k salary; 180k debt)
Replies: 82
Views: 5135

Re: Prepay student loans OR megabackdoor Roth? (26 y/o in Biglaw; 190k salary; 180k debt)

Got it, thanks. I've often wondered if there's some good reason why the firm doesn't utilize a portion of our year-end bonus as a "match" for our 401K. I'm sure it's a logistical nightmare, not everyone is maxing out, probably some tax code provision, highly comp'ed employee rules, etc... but it sur...
by thatme
Mon Sep 07, 2020 2:19 pm
Forum: Personal Investments
Topic: Prepay student loans OR megabackdoor Roth? (26 y/o in Biglaw; 190k salary; 180k debt)
Replies: 82
Views: 5135

Re: Prepay student loans OR megabackdoor Roth? (26 y/o in Biglaw; 190k salary; 180k debt)

As a fellow Biglaw worker, is the fact that your 401(k) plan allows after-tax contributions unique to your firm or is this a common attribute that I'm just not aware of? I've been maxing out my pre-tax 401(k) since joining the firm, but I wasn't aware that I could make additional contributions on an...
by thatme
Fri Sep 04, 2020 1:20 pm
Forum: Investing - Theory, News & General
Topic: Looking for great interviews, podcasts, blogs
Replies: 14
Views: 1087

Re: Looking for great interviews, podcasts, blogs

+1 on Planet Money. And if you like PM then you may like This American Life (not finance related).
by thatme
Wed Sep 02, 2020 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Advice for student loans
Replies: 8
Views: 647

Re: Advice for student loans

Also I doubt that he would be able to pay any of his student loans and I've been already receiving calls from creditors about his student loans, even though I'm not a co-signer. Why are you getting such calls? As a former bill collector (in college), if the situation was dire enough we would look f...
by thatme
Sun Aug 30, 2020 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy? Cabin advice
Replies: 76
Views: 9293

Re: Am I crazy? Cabin advice

Actually if op is close to national forest it is cheaper to drive there and camp out. best This is great, but if I subscribed to this theory I'd never see my spouse. Not everyone wants to sleep on the ground. We did best of both worlds here - bought an inholding inside of a national forest! We're s...
by thatme
Fri Aug 28, 2020 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy? Cabin advice
Replies: 76
Views: 9293

Re: Am I crazy? Cabin advice

There are a lot of cabin threads on here, and all typically give the same kind of advice. The only thing I would add is consider something at a lower price point - it will significantly help balance out the legit negatives that everyone has raised. We are currently building a cabin but doing it slow...
by thatme
Thu Aug 13, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Apple users - iMac and iPad vs MacbookPro?
Replies: 56
Views: 3170

Re: Apple users - iMac and iPad vs MacbookPro?

Someone said it above, but I was going to comment that an iPad for zoom calls might solve your problem. I typically Zoom on my iPad and use my work computer to take notes, review docs, while I'm on the call. It's a good setup and can be portable if needed.
by thatme
Tue Aug 04, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: A dumb vehicle trade-in scenario?
Replies: 33
Views: 2253

Re: A dumb vehicle trade-in scenario?

Contrary to what lots of people seem to believe, dealers will take a car in trade and cut you a check. I've done it. I've done this too. The reason I did this, as opposed to private party sale or CarMax, is that I was able to avoid paying sales tax on my new purchase since the trade-in previously p...
by thatme
Wed Jul 29, 2020 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Have 30-year mortgage rates fallen in last month? Advice for requesting re-lock
Replies: 33
Views: 2895

Re: Have 30-year mortgage rates fallen in last month? Advice for requesting re-lock

I got a 2.375% 15-year from LenderFi (no costs or points) and closed about 60 days ago. Right after I locked rates went up and then have been trending down again. It's all a guessing game on what rates are going to do at this point. I would close your loan and then refi in a few months if things con...
by thatme
Mon Jun 08, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Does Buying an RV make sense?
Replies: 97
Views: 6607

Re: Does Buying an RV make sense?

I’m casually in the market for an towable trailer, and I’m really drawn to the fiberglass brands: Scamp, Casita, and Escape. They appear to retain their value VERY WELL, and sell super quick on the used market. Due to being fiberglass they don’t have the leak problems that most other towable traile...
by thatme
Mon Jun 08, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Does Buying an RV make sense?
Replies: 97
Views: 6607

Re: Does Buying an RV make sense?

I’m casually in the market for an towable trailer, and I’m really drawn to the fiberglass brands: Scamp, Casita, and Escape. They appear to retain their value VERY WELL, and sell super quick on the used market. Due to being fiberglass they don’t have the leak problems that most other towable trailer...
by thatme
Mon Jun 08, 2020 7:18 am
Forum: Personal Consumer Issues
Topic: Mountain lodges in the Pacific Northwest?
Replies: 9
Views: 1270

Re: Mountain lodges in the Pacific Northwest?

I’ll throw in the Missoula area for consideration. Lots of cabin rentals both west and south of there (down into Idaho for sure, along the River). Missoula itself is a cool town, you can check out that university just for kicks, and it’s definitely somewhere you won’t easily daytrip.
by thatme
Sat May 02, 2020 7:42 am
Forum: Personal Investments
Topic: Marcus or Ally
Replies: 166
Views: 18085

Re: Marcus or Ally

I’m very happy with Marcus and have been with them for a while now. No issues with the app or interface - it’s simple but it always seems to work for me and includes all of the features I need. Transfers are quick and the one time I had to contact them I got through quickly. Overall, it seems to be ...
by thatme
Wed Apr 29, 2020 12:07 pm
Forum: Investing - Theory, News & General
Topic: What explains the continued rise in equities?
Replies: 167
Views: 13254

Re: What explains the continued rise in equities?

One thing I read is the possibility that small businesses will be the main casualties of the economic downturn and that large businesses will weather the storm and eventually grow as a result of picking up that market share. Those are the ones in the public markets at the moment of course, hence con...
by thatme
Sun Apr 19, 2020 3:18 pm
Forum: Personal Consumer Issues
Topic: Replacement for 4Runner
Replies: 70
Views: 4424

Re: Replacement for 4Runner

I was also going to recommend the GX460. Best vehicle I’ve ever owned. It’s above your budget new but can be picked up in the used market in your price range. Mine was a one-owner private party deal that I bought at 50k miles for $26k. Absolutely love it.
by thatme
Fri Apr 17, 2020 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7532
Views: 516893

Re: Refinance Mega Thread

I closed my LenderFi refi today. 2.375%, 15 years, 450k loan balance. True no-cost, no appraisal refi. They went over my 30-day lock period but they continued to honor the rate and everything went smoothly. Overall, a great experience!
by thatme
Sat Apr 11, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: How often do you login and review your investment accounts?
Replies: 68
Views: 2650

Re: How often do you login and review your investment accounts?

Last day of every month when I update my net worth spreadsheet.
by thatme
Wed Apr 01, 2020 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 126022

Re: My LenderFi refinance is going well

Hoping to close in the next few days. Got really lucky and locked at exactly the right time - 2.375%, true no closing costs, 15-year fixed. No appraisal, minimal documentation, etc... super easy process so far.
by thatme
Tue Mar 17, 2020 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7532
Views: 516893

Re: Refinance Mega Thread

Interesting, rates are definitely weird right now. I applied ~24 hours before LenderFi stopped taking apps temporarily and was quoted 2.75% for 15 year, no cost. By the time they called to lock it had dropped to 2.375% and I immediately locked. Maybe I ended up being really lucky... we’ll see how it...
by thatme
Tue Mar 17, 2020 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7532
Views: 516893

Re: Refinance Mega Thread

I seem to have timed this well (dumb luck). I locked in 2.375%, true no-cost refi, with LenderFi, 15 years fixed. I haven’t closed yet but things are progressing. It doesn’t sound like people are getting rates lower than this despite the recent Fed action. Given the uncertainty in the economy I wish...
by thatme
Tue Mar 03, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7532
Views: 516893

Re: Refinance Mega Thread

Does the 1/2% rate cut impact the mortgage rates we are currently seeing, is it better to wait until tomorrow to see if they come down before locking? Thanks. Came here to ask this exact question - welcome everyone’s thoughts. Also, how long after the 1/2% cut will mortgage rates be impacted? Days,...
by thatme
Sun Feb 02, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: Considering an iPad. Is it worth it?
Replies: 116
Views: 7150

Re: Considering an iPad. Is it worth it?

I use mine MUCH more than I expected. The big thing I’ve found (which may or may not apply) is that in order to use my work laptop I have to connect to the VPN, but my iPad Pro is always on via the Mail app so I can deal with email much more efficiently than getting my laptop out. Some of the more s...
by thatme
Sun Dec 22, 2019 9:31 pm
Forum: Personal Consumer Issues
Topic: Ford Expedition - possible lemon claim and what to do?
Replies: 62
Views: 4805

Re: Ford Expedition - possible lemon claim and what to do?

Thanks! I ended up finding a 2019 Sequoia that the dealer was willing to discount significantly to move it along so we decided to buy new. I shopped some 2-4 year old vehicles and I felt like the discounts weren’t significant enough to justify buying used so we decided to buy new. Before the Expedit...
by thatme
Fri Dec 20, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: Ford Expedition - possible lemon claim and what to do?
Replies: 62
Views: 4805

Re: Ford Expedition - possible lemon claim and what to do?

I understand you might have soured on Ford, but have you considered a Transit or Nissan NV? We have six kids and a dog as well and if we move away from our Odyssey, which we are slowly outgrowing, I think a Transit would be our next vehicle (though I'll look around after reading your story). EDIT: ...
by thatme
Fri Dec 20, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: Ford Expedition - possible lemon claim and what to do?
Replies: 62
Views: 4805

Re: Ford Expedition - possible lemon claim and what to do?

We had a Sienna once upon a time (with only four kids, not six). While on paper it seems to have the same amount of space, for whatever reason much of that space is above the passenger, and the third row crew consistently complained about being too cramped from side to side, etc... and we tow camper...
by thatme
Fri Dec 20, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Ford Expedition - possible lemon claim and what to do?
Replies: 62
Views: 4805

Re: Ford Expedition - possible lemon claim and what to do?

Final update: Picked up my check from Ford this morning and surrendered the vehicle. All told, they refunded purchase price, registration, taxes and fees, and deducted a per mileage penalty for the first 14,000 miles we had driven. The registration for 2019 I would have paid anyway, so netting out t...
by thatme
Fri Dec 13, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: Ford Expedition - possible lemon claim and what to do?
Replies: 62
Views: 4805

Re: Ford Expedition - possible lemon claim and what to do?

After thinking about it all day and looking at all of the data, I’ve decided to go with the repurchase option. There are truly no replacement vehicles available within 200 miles of where I live, Ford would not allow me to order one exactly to the specs that I currently have, and their only true repl...
by thatme
Fri Dec 13, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Ford Expedition - possible lemon claim and what to do?
Replies: 62
Views: 4805

Re: Ford Expedition - possible lemon claim and what to do?

Bottom line: would you be concerned about buying a replacement vehicle of the same type after a big failure like we’ve had? There are no other engine/trans options that I could opt into - it’s the same in the 2020 as it was in my 2018. The vehicle meets your needs, I would accept it. The chance tha...
by thatme
Fri Dec 13, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: Ford Expedition - possible lemon claim and what to do?
Replies: 62
Views: 4805

Re: Ford Expedition - possible lemon claim and what to do?

UPDATE: we’re at day 64 and still no vehicle. However, I filed a lemon law claim with Ford and they readily agreed to repurchase or replace the vehicle. I’ll spend some time going into detail in a future post on that process, but in the meantime, I’d like people’s opinions about the replacement opt...
by thatme
Fri Dec 13, 2019 7:55 am
Forum: Personal Consumer Issues
Topic: Ford Expedition - possible lemon claim and what to do?
Replies: 62
Views: 4805

Re: Ford Expedition - possible lemon claim and what to do?

I love toyotas in general but I am not sure I would count a transmission failure at 13k as a black mark against Expeditions in general -- that's so soon and so young as to certainly be some sort of one-off manufacturing defect. If the Sequoia is a tight fit and the Expedition otherwise fits the bil...
by thatme
Fri Dec 13, 2019 7:51 am
Forum: Personal Consumer Issues
Topic: Ford Expedition - possible lemon claim and what to do?
Replies: 62
Views: 4805

Re: Ford Expedition - possible lemon claim and what to do?

Brianmcg321 wrote: Fri Dec 13, 2019 7:46 am I would get a Suburban.
Have had family members who all had bad luck with Chevys so I’ve been staying away. And the trans in the Ford was jointly developed with Chevy so it’s the same technology.
by thatme
Fri Dec 13, 2019 12:04 am
Forum: Personal Consumer Issues
Topic: Ford Expedition - possible lemon claim and what to do?
Replies: 62
Views: 4805

Re: Ford Expedition - possible lemon claim and what to do?

UPDATE: we’re at day 64 and still no vehicle. However, I filed a lemon law claim with Ford and they readily agreed to repurchase or replace the vehicle. I’ll spend some time going into detail in a future post on that process, but in the meantime, I’d like people’s opinions about the replacement opti...
by thatme
Thu Nov 21, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Ford Expedition - possible lemon claim and what to do?
Replies: 62
Views: 4805

Re: Ford Expedition - possible lemon claim and what to do?

Day 43. Finally diagnosed as massive transmission failure (one part failed and then caused damage to lots of other parts around it). Dealer wants to put a new transmission in, Ford refuses, insists that the dealer rebuilds it. The problem is that one of the necessary parts for the rebuild is unavail...
by thatme
Tue Nov 12, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinance Suggestions
Replies: 13
Views: 1176

Re: Student Loan Refinance Suggestions

I think if you live near a First Republic location, those are pretty consistently thought to be the lowest rate option (although with limitations such as opening a checking account). I just refinanced ours — had to put 10% down into checking account but it’s 2.2% for 5 year term and I’ll get up to ...
by thatme
Sat Nov 09, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: All in one vacuum/hard wood floor cleaners - worth it?
Replies: 5
Views: 487

Re: All in one vacuum/hard wood floor cleaners - worth it?

02nz wrote: Sat Nov 09, 2019 12:24 pm The iRobot Braava 380T has worked great for us on hard floors.
Thank you! How does it know to avoid the carpeted areas? We have a robot vac and it’s great, would very much like a wet solution as well.
by thatme
Sat Nov 09, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: All in one vacuum/hard wood floor cleaners - worth it?
Replies: 5
Views: 487

Re: Micro-fiber

Spend $40 on a 24-inch micro-fiber mop and a few washable refill pads. Buy professional quality and not cheap consumer grade. I went to a store that sells supplies to cleaning professionals. That’s the type of mop we use now, it’s just inconvenient and the kids can’t help use it (I mean they can, i...
by thatme
Sat Nov 09, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: All in one vacuum/hard wood floor cleaners - worth it?
Replies: 5
Views: 487

All in one vacuum/hard wood floor cleaners - worth it?

We have a lot of hardwood floors, and a lot of kids and a big dog. Suffice it to say, they are very hard to keep clean. Right now, we mop them about once a week, but I’ve considered buying an all-in-one floor cleaner/vacuum combo, such as the Bissell Crosswave. Any experiences with these? It seems l...
by thatme
Fri Nov 08, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: Ford Expedition - possible lemon claim and what to do?
Replies: 62
Views: 4805

Re: Ford Expedition - possible lemon claim and what to do?

Day 30, still no diagnosis of the issue or expected timeline for resolution.
by thatme
Tue Nov 05, 2019 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of Leaving Biglaw (current midlevel) - Things to Consider
Replies: 13
Views: 3227

Re: Thinking of Leaving Biglaw (current midlevel) - Things to Consider

Lots of good advice in this thread. I’m a few years ahead of you and still hanging on in Biglaw. Won’t even make partner and am not tied to the salary (no debt, save a lot, could make less), but I’ve yet to come across an opportunity that pays anywhere close and is worth doing. Good luck exploring p...
by thatme
Thu Oct 31, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: Ford Expedition - possible lemon claim and what to do?
Replies: 62
Views: 4805

Re: Ford Expedition - possible lemon claim and what to do?

Totally fair points. My wife said last night that she hopes they get her car fixed and she gets it back working properly with no more issues. So I guess that’s I’m hoping for too. :happy That being the case, you may want to purchase a Ford factory extended warranty when you get it back. It would no...
by thatme
Thu Oct 31, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: Ford Expedition - possible lemon claim and what to do?
Replies: 62
Views: 4805

Re: Ford Expedition - possible lemon claim and what to do?

I was successful in getting the manufacturer to buy back a vehicle in California. I did not retain an attorney, though I spoke to several. I was leery of the retainer agreements they presented, which held me responsible for costs if they were unsuccessful, so I was glad I did not need to retain one...
by thatme
Thu Oct 31, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Ford Expedition - possible lemon claim and what to do?
Replies: 62
Views: 4805

Re: Ford Expedition - possible lemon claim and what to do?

I would let the process play out. You will most likely get a new transmission. It will continue to have the full drive train warranty. Our Ford dealer is booked out 3+ weeks, so I understand the difficulties getting it in and fixed. No fun. Other than gas, the loaner is like free miles. Drive it as...