Search found 294 matches

by prettybogle
Wed Nov 11, 2020 1:53 pm
Forum: Personal Consumer Issues
Topic: Notes taking for math, computer science
Replies: 36
Views: 1731

Re: Notes taking for math, computer science

Very happy to see replies with experiences. I also love taking notes on paper with pen as it always helped me to learn effectively and also refer to easily later. Only reason I am considering Apple Pencil is to digitize my notes and access easily forever within seconds. But I also want the flexibili...
by prettybogle
Wed Nov 11, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: Notes taking for math, computer science
Replies: 36
Views: 1731

Notes taking for math, computer science

Hope everyone is doing well during these challenging times. I am considering taking classes in math, computer science. Any suggestions for notes taking ? I am looking at options like good old pen and paper, Apple Pencil etc. but for Apple Pencil option, I will have to spend $599 for iPad Air and $12...
by prettybogle
Sun Sep 06, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: Favorite MOOC online courses or videos
Replies: 1
Views: 277

Favorite MOOC online courses or videos

What are your favorite online learning videos you learnt a lot from ? My personal favorites are:
3blue1brown on YouTube
MIT OCW on YouTube
by prettybogle
Fri Aug 21, 2020 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7984
Views: 556823

Re: Refinance Mega Thread

Thanks to this godsend thread, we closed our refinance last month - we got notified by Wells Fargo that they are the new servicer/lender. We set up auto payments- looking good. Now our old lender - Bank of America has not mailed us the overage check - escrow balance + any excess payments. We tried ...
by prettybogle
Fri Aug 21, 2020 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7984
Views: 556823

Re: Refinance Mega Thread

Thanks to this godsend thread, we closed our refinance last month - we got notified by Wells Fargo that they are the new servicer/lender. We set up auto payments- looking good. Now our old lender - Bank of America has not mailed us the overage check - escrow balance + any excess payments. We tried c...
by prettybogle
Fri Aug 14, 2020 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1481
Views: 136542

Re: My LenderFi refinance is going well

I just got a letter notifying that my Lenderfi loan is sold to Wells Fargo. The letter gave my loan account number at Wells Fargo. I browsed to Wells Fargo website and tried enrolling for online access using my social and loan number. It shows the error We couldn't process your request online. Pleas...
by prettybogle
Mon Aug 03, 2020 8:55 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1481
Views: 136542

Re: My LenderFi refinance is going well

I am trying to enroll for account access in loanweb portal. It is showing error - invalid account number attempt. I entered loan number found in Lenderfi. Is anyone able to enroll ? How to go about getting this fixed ?
by prettybogle
Mon Jul 27, 2020 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1481
Views: 136542

Re: My LenderFi refinance is going well

Is there a Lenderfi website to set up automated mortgage payments? I need to make our first mortgage payment. Please share any information. Thank you I received this email last week, the day after my loan funded: Congratulations! Your loan funded today! You will be receiving information about your ...
by prettybogle
Mon Jul 27, 2020 10:00 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1481
Views: 136542

Re: My LenderFi refinance is going well

Is there a Lenderfi website to set up automated mortgage payments? I need to make our first mortgage payment. Please share any information. Thank you
by prettybogle
Sun Jul 26, 2020 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1481
Views: 136542

Re: My LenderFi refinance is going well

Someone from Amrock closing called us and scheduled appointment. We just closed on Saturday. We wore masks and the whole process took about an hour. Did you get a final closing disclosure and payment instructions before the closing? Yes we emailed Lenderfi and Amrock to get them. Did you receive th...
by prettybogle
Sun Jul 26, 2020 7:32 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1481
Views: 136542

Re: My LenderFi refinance is going well

anon_investor wrote: Sun Jul 26, 2020 7:29 am
prettybogle wrote: Sun Jul 26, 2020 7:25 am Someone from Amrock closing called us and scheduled appointment. We just closed on Saturday. We wore masks and the whole process took about an hour.
Did you get a final closing disclosure and payment instructions before the closing?
Yes we emailed Lenderfi and Amrock to get them.
by prettybogle
Sun Jul 26, 2020 7:28 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1481
Views: 136542

Re: My LenderFi refinance is going well

After closing, do we need to call old lender to get escrows ? Is there a Lenderfi website to set up automated mortgage payments?
by prettybogle
Sun Jul 26, 2020 7:25 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1481
Views: 136542

Re: My LenderFi refinance is going well

Someone from Amrock closing called us and scheduled appointment. We just closed on Saturday. We wore masks and the whole process took about an hour.
by prettybogle
Thu Jul 16, 2020 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1481
Views: 136542

Re: My LenderFi refinance is going well

I had my remote closing on Monday 7/13 (2.875%, 30 yr), but have not heard anything since. Anyone know what the timeline is for funding a refi? Did you request for remote closing or are they doing it because of Covid virus issue ? How was the experience with remote closing ? Never done it before. P...
by prettybogle
Thu Jul 16, 2020 8:53 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1481
Views: 136542

Re: My LenderFi refinance is going well

I had my remote closing on Monday 7/13 (2.875%, 30 yr), but have not heard anything since. Anyone know what the timeline is for funding a refi? Did you request for remote closing or are they doing it because of Covid virus issue ? How was the experience with remote closing ? Never done it before. P...
by prettybogle
Wed Jul 08, 2020 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1481
Views: 136542

Re: My LenderFi refinance is going well

Folks who were able to close with Lenderfi - where was the closing at ? Do they have a local office or was it virtual / online ? Always dealt with big banks that have local branch so just wondering...
by prettybogle
Mon Aug 05, 2019 10:08 pm
Forum: Personal Investments
Topic: Ally & Marcus Dropping Some Interest Rates (Title Edited 8-8-19)
Replies: 59
Views: 9015

Re: Ally Dropping Interest Rate on their Online Savings Account 8-6-19

Not sure why y’all are opening no penalty cd @ 2.3% for 25k minimum balance. We opened raise your rate cd @ 2.5% no minimum balance. 2 benefits with raise your rate - for 2 year, early withdrawal is 2 months and for 4 year, it is 4 months; also if the rates do go up (unlikely), 2 year will give one ...
by prettybogle
Tue Jul 30, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: Tropical fruits guava etc
Replies: 7
Views: 861

Tropical fruits guava etc

Hello all, we are looking to try out fresh tropical fruits specifically guava. Is there a good place or online store where we can buy reliable fresh guava fruit ? Thanks
by prettybogle
Tue May 21, 2019 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Senior management/executives
Replies: 51
Views: 4571

Senior management/executives

I truly respect collective wisdom of bogleheads forum and I know for a fact many members here are in senior management positions. I had a very strange experience at work recently - one of our vice presidents in the company offered an indirect quid pro quo in return for “something” from me. I am stil...
by prettybogle
Thu May 16, 2019 9:40 pm
Forum: Personal Investments
Topic: Thank you Bogleheads
Replies: 4
Views: 1150

Thank you Bogleheads

Hello all, DH and I are celebrating our 1 year anniversary of quitting his trading addiction with stocks options crypto, you name it. I must say DH is looking more handsome with no more hairloss, less stressful, spending more quality time with me, healthier and last but not the least saving lot more...
by prettybogle
Tue May 14, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a "new" car - Advice pls
Replies: 76
Views: 7327

Re: Buying a "new" car - Advice pls

NEW 2019 honda civic - 21k out the door
by prettybogle
Mon May 13, 2019 10:04 pm
Forum: Personal Investments
Topic: Ira transfer to Vanguard
Replies: 13
Views: 1237

Ira transfer to Vanguard

Hello, I have a traditional IRA at td Ameritrade that I would like to transfer over to vanguard. What is the process for this ? I called vanguard customer service and didn’t get much help. Will vanguard pay any fees for doing this ?
by prettybogle
Mon May 06, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Indian cookbooks
Replies: 25
Views: 2938

Re: Indian cookbooks

Checkout youtube videos from vahchef
by prettybogle
Sun Apr 28, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 145
Views: 13701

Re: What Are Your Simple Pleasures?

Reading on my kindle
Gardening
Occasional night out at our favorite club in downtown
by prettybogle
Thu Apr 11, 2019 10:10 pm
Forum: Personal Investments
Topic: To refinance or not
Replies: 5
Views: 664

To refinance or not

We bought our house back in December 2018 mortgage interest rate 4.75. It looks like we can now refinance to around 4% interest rate. Is 0.75% to 0.875% drop in interest rate worth the refinance ? Our estimated closing costs are close to $5000.
by prettybogle
Sun Mar 03, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: Shopping for a car after 10+ years
Replies: 27
Views: 3301

Re: Shopping for a car after 10+ years

OP here. Quick update - We bought a brand new Honda Civic. It’s perfect for our family both in budget and need. On top of it, it is very stylish and comfortable inside the car. My experience with Carmax - little pricy but easy painless transaction experience Carvana, vroom - coin toss as they work ...
by prettybogle
Sun Mar 03, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1498
Views: 176278

Re: What frugal thing did you do today?

michaeljc70 wrote: Fri Feb 01, 2019 8:43 pm Since it has been like -20 here, spouse is out of town, and I haven't needed to really leave the house I cut back on showers this week. :shock:
Hahaha. My hubby will be awarded divorce if he does that :D
by prettybogle
Sun Feb 24, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Shopping for a car after 10+ years
Replies: 27
Views: 3301

Re: Shopping for a car after 10+ years

OP here. Quick update - We bought a brand new Honda Civic. It’s perfect for our family both in budget and need. On top of it, it is very stylish and comfortable inside the car. My experience with Carmax - little pricy but easy painless transaction experience Carvana, vroom - coin toss as they work f...
by prettybogle
Sat Feb 09, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Shopping for a car after 10+ years
Replies: 27
Views: 3301

Shopping for a car after 10+ years

Long story short we have been happy honda car owners for more than a decade but giving away our honda accord to a cousin. We need to find a car for our cute little family of 3 - includes 6 year old daughter as early as we can. We made the following decisions: 1. CR-V kind of vehicle 2. used car 3. Y...
by prettybogle
Sun Dec 09, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Good Certifications on artificial intelligence, machine learning
Replies: 0
Views: 438

Good Certifications on artificial intelligence, machine learning

What are some top sought after certifications in Artificial intelligence, machine learning? Is stanford’s Graduate certificate in artificial intelligence good ? Thanks in advance.
by prettybogle
Tue Nov 20, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8981

Re: How high can House prices go

Thanks everyone. This is probably the toughest decision we faced so far - we like both house and townhome; both are brand new, in good community close to work, etc. Amazon bringing 5k jobs over next 7 years is making this decision even harder :oops: That probably makes it very good that you made an...
by prettybogle
Tue Nov 20, 2018 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8981

Re: How high can House prices go

Thanks everyone. This is probably the toughest decision we faced so far - we like both house and townhome; both are brand new, in good community close to work, etc. Amazon bringing 5k jobs over next 7 years is making this decision even harder :oops:
by prettybogle
Sun Nov 18, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8981

Re: How high can House prices go

Thanks y’all for suggestions. At this point, we have 2 options - 1. Go ahead with $545k house as we already paid $30k. 2. Buy a brand new 2000 sqft townhome for $360k - the floor plan is almost the same as a single family house, has a 2 car garage. The price difference is only 160k - actually 170k a...
by prettybogle
Mon Nov 12, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8981

Re: How high can House prices go

We are seeing in the neighborhoods around here that some of the sellers are named XYZ revocable trust etc. They bought houses in last few years and selling now - may be this is house flipping ?
by prettybogle
Mon Nov 12, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 238
Views: 37498

Re: [Financial] Habits of the Rich

We are in the lower middle class but I can share something from what I learned by watching my husband and also few of his friends. Do not trade - be it options, leveraged instruments, sexy new trading vehicles like crypto or anything else that may come up in future. Simply divy the left over income ...
by prettybogle
Wed Nov 07, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8981

Re: How high can House prices go

Thanks y’all for helpful thoughts. DH and I are brainstorming heavily on what we should do. We feel like we have these options: 1. Go ahead and close the $545k house that we paid $30k so far 2. Back out of $545k house and sign up for $320k brand new townhome. The townhome is in the almost the same a...
by prettybogle
Tue Nov 06, 2018 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8981

Re: How high can House prices go

Luckily for all of us, mortgages are not callable anymore (in the Great Depression, the banks could call the loan due in full if the collateral - the house- dropped in value). So as long as you can make your payments through any fluctuations in value, you are getting shelter and increasing network ...
by prettybogle
Tue Nov 06, 2018 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8981

Re: How high can House prices go

I am curious to learn how the dynamics of house prices work. From what I understand, banks can only give loan if the monthly mortgage is within the 30 - 40% of the debtor’s salary. So, for houses priced at 500k, the salaries have to be atleast 120k. For 600k, salaries atleast 150k and so on. In Nas...
by prettybogle
Tue Nov 06, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 123
Views: 20609

Re: Are we in trouble?

The more someone accumulates wealth outside of retirement accounts, the more likely he will buy expensive things such as big house, fancy car etc. This wealth blinds him from ground realty i.e. financial situation of most people.
by prettybogle
Tue Nov 06, 2018 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8981

Re: How high can House prices go

I dunno, I'd look at other countries and see how loans work in them if you want to extrapolate some kind of worst case. No reason loans need to be 30 years. They could be 50. So how high do house prices go if you assume a 50 year mortgage and 50% of the salary goes to debt? $120,000 salary pays for...
by prettybogle
Tue Nov 06, 2018 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8981

How high can House prices go

I am curious to learn how the dynamics of house prices work. From what I understand, banks can only give loan if the monthly mortgage is within the 30 - 40% of the debtor’s salary. So, for houses priced at 500k, the salaries have to be atleast 120k. For 600k, salaries atleast 150k and so on. In Nash...
by prettybogle
Tue Nov 06, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 123
Views: 20609

Re: Are we in trouble?

This post is a good reminder that even house sellers can be as stressed as house buyer. From everything I heard from my Chicago friends in last few years, houses sell very fast there. I am surprised why OP’s house is not selling after this long. If house is in a very good neighborhood, good schools ...
by prettybogle
Mon Nov 05, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 123
Views: 20609

Re: Are we in trouble?

Yes we lowered the price twice. originally listed at 799K ...lowerd it to 775K and now 750K. Since texas is a no state tax state we felt comfortable with the higher mtg. I just do not want to make decisions when i am feeling so upset and make things worse and hence looking for some outside perspect...
by prettybogle
Sun Nov 04, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer - gut check
Replies: 58
Views: 8730

Re: First time home buyer - gut check

We are putting 20% down and paying for closing costs. After that, we will have $40k liquid reserves as an emergency fund. Additional $300k in retirement accounts not counting the $40k. Like, all of your savings that's not in retirement accounts is down payment + 40k? That doesn't leave much for fur...
by prettybogle
Fri Nov 02, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer - gut check
Replies: 58
Views: 8730

Re: First time home buyer - gut check

We are putting 20% down and paying for closing costs. After that, we will have $40k liquid reserves as an emergency fund. Additional $300k in retirement accounts not counting the $40k. Like, all of your savings that's not in retirement accounts is down payment + 40k? That doesn't leave much for fur...
by prettybogle
Sat Oct 27, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: First time home buyer - gut check
Replies: 58
Views: 8730

Re: First time home buyer - gut check

OP here and I want to provide a quick update to my original post. We have put an offer down on a house and I am having cold feet as the buyer, which may be normal for a first time home buyer, but it is still causing me angst. A few of the details are below. We put an offer down on a $635k house tha...
by prettybogle
Sat Oct 27, 2018 6:56 am
Forum: Personal Consumer Issues
Topic: House selling costs
Replies: 23
Views: 2413

Re: House selling costs

Thanks y’all. We are thinking whats the worst that could happen if we back out - potentially never will be able to buy house ? Rents going higher ? We really have to stick to this location only for schools... after 10 years, we can live anywhere regardless of location.
by prettybogle
Fri Oct 26, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: House selling costs
Replies: 23
Views: 2413

Re: House selling costs

Looks like you and your husband are getting a "pre-buyer remorse". A $450k mortgage on a $130k income is reasonable. On a ~$200k income is comfortable. As long as you have no real issues with the house, location, schools, and other important criteria that you had, I recommend you go ahead...
by prettybogle
Fri Oct 26, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: House selling costs
Replies: 23
Views: 2413

Re: House selling costs

Once you own the house, your main source of comfort will come from cash flow. What will your budget look like including 401k contributions and how much extra will you have leftover to save. What is your down payment and total mortgage? You should be able to afford the house with 200k in income. To ...
by prettybogle
Fri Oct 26, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: House selling costs
Replies: 23
Views: 2413

Re: House selling costs

Thanks. We are intensely debating to go ahead with the buy or lose the earnest money. This is really stressing us out - our house buying decision has been going on for over a year now and now we are really drained out and really want to end this in some way :oops:. Whichever way we go, we want to st...