Search found 122 matches

by ciscovp
Fri Sep 25, 2020 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123884

Re: My LenderFi refinance is going well

Yes, mine is due Oct 1. No, I haven't mailed a check because I have neither received any instruction from LenderFi nor any coupon. And Diego says loan will be live soon on their servicing portal, but still nothing yet!!! What should I do, this is getting quite frustrating! In my case, a printed pag...
by ciscovp
Fri Sep 25, 2020 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123884

Re: My LenderFi refinance is going well

I got a snailmail from Fannie Mae that LenderFi sold my mortgage to them. But the servicing will still be done by LenderFi. I guess that is normal? Is your first payment due on Oct 1? Any news from Diego/Lenderfi on Portal access? Or did you mail a check? Yes, mine is due Oct 1. No, I haven't maile...
by ciscovp
Fri Sep 25, 2020 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123884

Re: My LenderFi refinance is going well

I got a snailmail from Fannie Mae that LenderFi sold my mortgage to them. But the servicing will still be done by LenderFi. I guess that is normal? Is your first payment due on Oct 1? Any news from Diego/Lenderfi on Portal access? Or did you mail a check? Yes, mine is due Oct 1. No, I haven't maile...
by ciscovp
Fri Sep 25, 2020 11:05 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123884

Re: My LenderFi refinance is going well

newbiead wrote: Fri Sep 25, 2020 10:57 am I got a snailmail from Fannie Mae that LenderFi sold my mortgage to them. But the servicing will still be done by LenderFi.
I guess that is normal?
Is your first payment due on Oct 1? Any news from Diego/Lenderfi on Portal access? Or did you mail a check?
by ciscovp
Fri Sep 25, 2020 7:38 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123884

Re: My LenderFi refinance is going well

Just an FYI to not get too caught up on what they say about servicing. Paperwork indicated they intended to service ours but servicing was unceremoniously transferred immediately after closing to big bank with good infrastructure. Grateful for that outcome. Was this a recent refi? It seems LenderFi...
by ciscovp
Tue Sep 22, 2020 8:55 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123884

Re: My LenderFi refinance is going well

I closed my loan 3 weeks ago. And, no word from servicing on how to pay my mortgage payments. My payment is due Oct 1. Tried calling "Diego Alvarado" from whom I got last email 3 weeks ago saying : We will send you temporary coupons with the address and instructions on how to make your first mortga...
by ciscovp
Mon Sep 21, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123884

Re: My LenderFi refinance is going well

I have been having issue with servicing post close. At the table they told me servicing would be sold, and to wait to get info from the "interim servicing" department before mailing a payment. No problem, not unusual... Never heard anything after that and finally had to call/email the week before m...
by ciscovp
Mon Sep 21, 2020 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123884

Re: My LenderFi refinance is going well

Eurookat wrote: Mon Sep 21, 2020 6:37 pm oh man I'm def gonna be watching this thread. my loan is "scheduled" to close around 10/23 and first payment is due 11/1. Im gonna flip if I miss that first payment. :)
Payment can't be so soon after closing. Most likely 12/1 due date for first payment.
by ciscovp
Wed Sep 16, 2020 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123884

Re: My LenderFi refinance is going well

Does anyone know what goes into who ends up servicing the loan. I see that certain loans are sold off to Well Fargo but some remain at LenderFi. Is LenderFi keeping those that will make them more money? Or some different criteria?
by ciscovp
Thu Jul 30, 2020 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7426
Views: 506968

Re: Refinance Mega Thread

For those refinancing with Lendersfi. Which company is the loan transferred to?

I see that it shows on my docs that Lendersfi will transfer the loan. Is it one of the big banks, like Chase, Bank of America, Wells Fargo, etc?
by ciscovp
Thu Jul 30, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1371
Views: 123884

Re: My LenderFi refinance is going well

For those refinancing with Lendersfi. Which company is the loan transferred to?

I see that it shows on my docs that Lendersfi will transfer the loan. Is it one of the big banks, like Chase, Bank of America, Wells Fargo, etc?
by ciscovp
Thu Jun 11, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7426
Views: 506968

Re: Refinance Mega Thread

Familyman2012 wrote: Thu Jun 11, 2020 8:37 am silly question:

If let say you receive a lender credit of $2,500. and closing cost was $2,000. And No Escrow.

Does that mean the lender will send us a check for $500?

thanks

EDIT: nevermind found my answer. Unable to delete post.
So what is the answer? Do you get a check?
by ciscovp
Wed Jun 10, 2020 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to refinance?
Replies: 11
Views: 950

Re: Does it make sense to refinance?

I would think if the rates are the same then it better to go for the higher year (30 year in this case).
by ciscovp
Wed Jun 10, 2020 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7426
Views: 506968

Re: Refinance Mega Thread

I am just seeking out quotes today from various companies. I have received a couple of rates. No lock. So rates are not firm. Scenario: Location: MD, property value 790k credit 800 Original Loan 495k @ 3.5% fixed originated on 12/2012 (refi), 30 years. Current principal is 415k. Paying $2202/mo P+I,...
by ciscovp
Sat Apr 18, 2020 12:51 pm
Forum: Investing - Theory, News & General
Topic: Crisis Lessons (My list)
Replies: 50
Views: 4623

Re: Crisis Lessons (My list)

I lived through 9/11, 08 and 09 and now this. The main take away that has been consistent throughout is live within your means. To me this is not frugal. I was never frugal, but living within your means and still enjoying your life. Not pinching pennies which I never did. Here are the main things t...
by ciscovp
Fri Apr 17, 2020 11:33 am
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 6189

Re: How are you exercising with gym closures

Olympic barbell and dumbell bars, weight plates, and squat rack. +1 That's all it takes. I have a bench, Concept 2 Rower, and kettlebells as well (recovering XFitter...). Same. Just bought a squat rack, Olympic barbell, bumper plates and a pull up bar, and already had treadmill, Assault bike and gy...
by ciscovp
Thu Apr 09, 2020 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Obtaining Medallion Signatures - COVID 19
Replies: 6
Views: 1162

Re: Obtaining Medallion Signatures - COVID 19

Isn't your local bank still open? Call and find out if any local branch is still open during business hours.
by ciscovp
Fri Apr 03, 2020 3:17 pm
Forum: Personal Consumer Issues
Topic: Should I withdraw my kids from summer camp?
Replies: 43
Views: 2942

Re: Should I withdraw my kids from summer camp?

No need to withdraw now. Most likely they will cancel the camp.

I received email yesterday that my kid's overnight in July is canceled.
by ciscovp
Thu Apr 02, 2020 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 180
Views: 12967

Re: Are your personal expenses down during stay home and shelter?

Expenses are generally down for the following: Fuel expenses. Car, public transportation. Grocery Just canceled sleepaway camp. I am sure more camps will be canceled. Vacation: Spring break canceled. We have not canceled summer but it is looking that we will cancel. Same costs: We still paying the k...
by ciscovp
Thu Apr 02, 2020 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 180
Views: 12967

Re: Are your personal expenses down during stay home and shelter?

While overall expenses have gone lesser, with both kids at home, we have hired a nanny who is a teacher on furlough from my kid's daycare. She doesn't get paid from the daycare. We have hired her and pay her around $80/day for four hours every day. Our employers in tech still expect us to do some w...
by ciscovp
Wed Apr 01, 2020 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: CARES Act Stimulus Check for 24-year old student
Replies: 5
Views: 554

Re: CARES Act Stimulus Check for 24-year old student

You son will not receive a stimulus check if he is a dependent on your return.

To receive a check, your son needs to immediately file a 2019 return and you should not include your son as a dependent when you file your 2019 return.
by ciscovp
Sat Mar 28, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: Costco Delivery
Replies: 41
Views: 5793

Re: Costco Delivery

Grocery deliveries are not being carried out due to the unavailability of items. The grocery delivery manager is now doing checkout cashier work because they have suspended delivery or pickup services. Not sure of yours but most of the grocery stores in my area have times for seniors only. Usually i...
by ciscovp
Thu Mar 26, 2020 7:46 am
Forum: Investing - Theory, News & General
Topic: Unemployment numbers
Replies: 40
Views: 3064

Re: Unemployment numbers

Stef wrote: Thu Mar 26, 2020 7:43 am Image

Not really.
Futures are not a real judge of this. We should check how the market opens.
by ciscovp
Tue Mar 24, 2020 3:45 pm
Forum: Investing - Theory, News & General
Topic: Todays +10 percent gain from QE?
Replies: 52
Views: 3992

Re: Todays +10 percent gain from QE?

Tomorrow will be another big drop. Like a yoyo....
by ciscovp
Sun Mar 08, 2020 8:40 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4020
Views: 311635

Re: Coronavirus and the market

Oil down over 20%. Wow. The Saudis flooded the market to flush out weaker competitors. Changed their minds after considering production cuts. You mean the market still responds to things other than the coronapocalypse? This could be bad for peace in the Persian Gulf. If I were the Iranians, I might...
by ciscovp
Wed May 08, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Walk away from my auto lease?
Replies: 154
Views: 8878

Re: Walk away from my auto lease?

Simply go to the online forum for your make and model. There are experts on the route to take on repairing your car.
by ciscovp
Sat Apr 06, 2019 11:13 pm
Forum: Personal Consumer Issues
Topic: Any tips for getting status back with American?
Replies: 17
Views: 2172

Re: Any tips for getting status back with American?

I got Lifetime Gold status when I achieve Executive Platinum in 2002. So you still have status however not sure if you will be able to use your 500 mile upgrades.
by ciscovp
Fri Jan 04, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Maryland 529 College Investment Plans
Replies: 37
Views: 6037

Re: Maryland 529 College Investment Plans

I'm a Maryland resident and have one account per child for our three children. I contribute $5,000 per child ($2,500 per parent). I don't do anything special to mark the contribution's owner, though. I claim the full amount on our taxes (Married filing jointly). If we get audited, I would think it ...
by ciscovp
Tue Jan 01, 2019 8:44 pm
Forum: Investing - Theory, News & General
Topic: Are we officially in bear market ?
Replies: 79
Views: 10492

Re: Are we officially in bear market ?

Really? The headlines are interesting. The facts are more interesting. Right now there are less than 5% of federal workers not working. Many of them are seasonal, part time, and/or vacant positions. That’s like an average week where people took vacation. The Washington Post's White House Bureau Chi...
by ciscovp
Tue Dec 25, 2018 12:19 am
Forum: Investing - Theory, News & General
Topic: Are we officially in bear market ?
Replies: 79
Views: 10492

Re: Are we officially in bear market ?

Possibly this can't be answered given the forum rules, but I wonder how much the chaos in Washington about financial matters is the cause of investor anxiety? Also, separately, recently someone started a thread wondering why so few new CDs were available at Vanguard, and people including myself sai...
by ciscovp
Thu Dec 20, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Layoff planning -UPDATE
Replies: 18
Views: 4141

Re: Layoff planning

You have a lot of debt. I will work on reducing the debt,

How are your monthly expenses? Are they high?

There are no guarantees that he will get a job with same salary. So build up the emergency fund. Do you work?
by ciscovp
Thu Dec 20, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20317
Views: 2776936

Re: U.S. stocks in free fall

Big drop today as it seems we are now heading to a government shutdown.
by ciscovp
Sun Dec 16, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 190
Views: 16078

Re: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court

Why are we dealing with hypotheticals??? I thought that it is not allowed on this board. [OT comment removed by admin LadyGeek] The law still stands so there is no change. I am not sure why we are even discussing what ifs. We don't do this for pending tax legislation. Only if the law is struck down ...
by ciscovp
Fri Dec 14, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 3268

Re: Is it difficult to change a baby's legal name?

We are an Asian family and tend to give a lot of weight to the meaning of a name in our culture, but I hear that is not really the case in America, so perhaps that should not be the deciding factor.. If we pick James, we'd like him to be called James and not Jim or Jimmy. Is it inevitable that some...
by ciscovp
Tue Jan 30, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Accepting an offer from an employer who said previously no!
Replies: 30
Views: 4164

Re: Accepting an offer from an employer who said previously no!

Since the interview was last May, I think the following happened: They hired someone else for the position That person did not work out/not great fit (either the person quit or fired) Instead of going through resumes/candidates, etc., they decided to ask if your wife is interested It happens a lot. ...
by ciscovp
Tue Jan 30, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20317
Views: 2776936

Re: U.S. stocks in freefall

willthrill81 wrote: Tue Jan 30, 2018 12:27 pm Any clue on why this move is occurring? I can't see any significant news indicating why.
SOTU
by ciscovp
Sat Dec 23, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Is Software consulting considered a services business?
Replies: 13
Views: 2470

Re: Is Software consulting considered a services business?

We are going to the real estate business. Flip homes and claim the pass through.
by ciscovp
Wed Nov 09, 2016 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Help in deciding between two Job offers
Replies: 13
Views: 1817

Re: Help in deciding between two Job offers

What are the size of the companies? Large or medium or small? Fortune 500?

How many employees?
by ciscovp
Sat Jun 25, 2016 12:14 am
Forum: Investing - Theory, News & General
Topic: BREXIT - Whats the big deal?
Replies: 108
Views: 17917

Re: BREXIT - Whats the big deal?

Also, what will happen to British citizens leaving in other countries in the EU (especially UK retirees in Spain)?

Will they lose their healthcare provided by being part of the EU? Now will they need a visa to stay in other countries?
by ciscovp
Wed Dec 23, 2015 1:11 pm
Forum: Personal Investments
Topic: Upgrade to Brokerage Account with Vanguard
Replies: 46
Views: 12856

Re: Upgrade to Brokerage Account with Vanguard

How does the brokerage account upgrade affect the accounts in quicken? Do you have to create new accounts in quicken? Are all accounts merged into one account in the brokerage account?
by ciscovp
Sat Nov 07, 2015 10:07 pm
Forum: Personal Consumer Issues
Topic: WSJ Online Subscription
Replies: 16
Views: 2659

Re: WSJ Online Subscription

I read WSJ for free using my iPhone. There is a new News app where you can select news items and news agencies.
by ciscovp
Tue Sep 22, 2015 10:32 am
Forum: Personal Investments
Topic: AT&T Offering to buy out a small pension. Bad idea?
Replies: 16
Views: 4450

Re: AT&T Offering to buy out a small pension. Bad idea?

Is the pension indexed to inflation?

What is your overall net worth?

Depending on your net worth, $1748/year ($146/month) might have no impact. So it might be better to take the offer and roll it over to an IRA.
by ciscovp
Tue Aug 25, 2015 9:51 pm
Forum: Personal Consumer Issues
Topic: Barcode generator
Replies: 7
Views: 1355

Barcode generator

I am looking for a barcode generator software that i can use to inventory about 300 different servers. I want something that can easily and quickly generate barcodes for all the devices. That is, I specify that i need 350 distinct barcode and the software quickly generates the barcodes. The ones i h...
by ciscovp
Tue Jul 28, 2015 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Can I reject a medical exam during insurance application without consequences?
Replies: 48
Views: 5741

Re: Can I reject a medical exam during insurance application without consequences?

David Jay wrote:It sure sounds like you are dancing around a possible health issue that concerns you, but you don't want to have any doctor confirm...
This is my conclusion as well.
by ciscovp
Tue Jul 28, 2015 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Can I reject a medical exam during insurance application without consequences?
Replies: 48
Views: 5741

Re: Can I reject a medical exam during insurance application without consequences?

Why not get a physical to check your health. Then based on the result of the physical, you apply for insurance.
by ciscovp
Fri Jul 24, 2015 11:57 am
Forum: Investing - Theory, News & General
Topic: Apple individual stock, what am I missing here?
Replies: 55
Views: 6371

Re: Apple individual stock, what am I missing here?

The past expectation was already built into the stock price.

The stock price fell on future guidance.
by ciscovp
Thu Jul 16, 2015 8:45 pm
Forum: Personal Consumer Issues
Topic: What to do with bill received for prior homeowner
Replies: 41
Views: 4985

Re: What to do with bill received for prior homeowner

This is simple. Just write " Return to Sender - incorrect address" and drop it in the mail. The sender will try to contact the prior owner using a different approach.
by ciscovp
Thu Jul 16, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: questions about 529 plan - asset allocation
Replies: 22
Views: 2595

Re: questions about 529 plan - asset allocation

Thanks RabbMD and happymob, I will definitely look into a rollover (after the tax season) to a lower cost VG plan. I liked the link you gave RabbMD, the link indeed says, that Maryland does not recapture rollover tax breaks - has anyone actually done this? Is the 12 month rule to avoid recapture ef...
by ciscovp
Thu Jun 25, 2015 11:14 pm
Forum: Personal Consumer Issues
Topic: 2014 Lexus ES350
Replies: 37
Views: 14552

Re: 2014 Lexus ES350

I don't own a Lexus ES 350 but I own a Toyota Avalon which is same engine and same body but about 5k cheaper. The new Avalons and ES 350s are actually a bit sportier with a firmer suspension than the same models of 2012 and before. I would encourage you to test drive both. Does the Avalon use premi...
by ciscovp
Tue Jun 02, 2015 3:35 pm
Forum: Personal Consumer Issues
Topic: PayPal Lessons Learned
Replies: 25
Views: 4511

Re: PayPal Lessons Learned

mptfan wrote:The lesson learned is do not use Paypal.
No, the lesson learned is not to buy products from dubious sellers.