Search found 2263 matches

by sunny_socal
Tue Sep 29, 2020 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469390

Re: Refinance Mega Thread

Finally found one of the mythical 2.5% loans! - First found a decent deal w/ Amerisave ($500 application fee, credited to you at closing if you don't bail ....) - Went back to Loan Depot with that deal and have them beat it Now I'm at: - 460k loan, 30yr - 2.5% - $2400 lender credit - Still 3k of my...
by sunny_socal
Mon Sep 28, 2020 9:10 pm
Forum: Personal Consumer Issues
Topic: Oil change disaster
Replies: 54
Views: 5593

Re: Oil change disaster

Take you car to the dealer for an oil change, or to an independent shop that uses ASE certified mechanics to perform all the work on their cars, or do it yourself if you are physically able to do so. This is not effective advice. I have only rarely had oil changes done vs. doing them myself. Howeve...
by sunny_socal
Mon Sep 28, 2020 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469390

Re: Refinance Mega Thread

Finally found one of the mythical 2.5% loans! - First found a decent deal w/ Amerisave ($500 application fee, credited to you at closing if you don't bail ....) - Went back to Loan Depot with that deal and have them beat it Now I'm at: - 460k loan, 30yr - 2.5% - $2400 lender credit - Still 3k of my ...
by sunny_socal
Mon Sep 28, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: Does anyone recommend this $350 laptop?
Replies: 42
Views: 2624

Re: Does anyone recommend this $350 laptop?

Don't do it OP! Here's why: (It's not a gateway, nor is it an Acer...) https://arstechnica.com/gadgets/2020/09/we-found-out-who-makes-walmarts-new-gateway-laptops-and-its-bad-news/ Those cheap machines can have some severe limitations. For example, something like the mouse scroll direction may not b...
by sunny_socal
Sun Sep 27, 2020 8:47 am
Forum: Personal Consumer Issues
Topic: Oil change disaster
Replies: 54
Views: 5593

Re: Oil change disaster

"If the cap was off, not that big a deal. " This sentiment has been posted a couple of times, and I don't think it's accurate. The engine needs oil. It doesn't care why the oil is missing, only that it is. If the engine design and number of miles driven let enough oil escape a missing cap that the ...
by sunny_socal
Sat Sep 26, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: Oil change disaster
Replies: 54
Views: 5593

Re: Oil change disaster

Did you see where the oil came from?

Could be just a matter of a loose or missing oil filler cap. If that's the case, no big deal, they'll top it off and (hopefully) clean out your engine bay with a steam cleaner.

Anyway, this is why I do my own oil changes.
by sunny_socal
Sat Sep 26, 2020 2:48 pm
Forum: Personal Consumer Issues
Topic: Annual oil changes a must? Car maintenance during these times
Replies: 80
Views: 5572

Re: Annual oil changes a must? Car maintenance during these times

I've found auto maintenance to be the same as ever. In fact I've had more free time so I changed all the brakes, oil, filter etc. I change every 5k.
by sunny_socal
Fri Sep 25, 2020 6:42 am
Forum: Personal Consumer Issues
Topic: 3G 4G 5G
Replies: 34
Views: 2045

Re: 3G 4G 5G

4G will be around for a very long time. 5G is mostly centered around getting the carriers more income.
by sunny_socal
Fri Sep 25, 2020 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank savings interest rate dropping from 0.8% to 0.6%
Replies: 117
Views: 10174

Re: Ally Bank savings interest rate dropping from 0.8% to 0.6%

Our local credit union offers 1% on their money market accounts, up to $10k. Can open two accounts, one for you, one for spouse. Not bad compared to other options. (RBFCU)
by sunny_socal
Fri Sep 25, 2020 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Bad Finance to put 20% down on House
Replies: 21
Views: 3257

Re: Bad Finance to put 20% down on House

I've did an 80/10/10 mortgage to purchase our last house:
- 1st mortgage is 80%, conforming
- 2nd mortgage is 10%, expect slightly worse interest rate

Done! Only 10% cash down. Refi the 2nd when it is convenient (we paid ours off after selling another house.)
by sunny_socal
Sun Sep 20, 2020 2:56 pm
Forum: Personal Consumer Issues
Topic: Preparing for a Long Distance Move - questions
Replies: 22
Views: 1496

Re: Preparing for a Long Distance Move - questions

I'd pack everything into boxes. Big duffel bag? Put it into a big box.

They sell boxes for packing fragile stuff as well. Just ship it all. And ship the car as well.
by sunny_socal
Sun Sep 20, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 15029

Re: Is Costco worth the $120 membership?

Worth it for me! We shop there every couple weeks and I use the costco visa card for all my gas and restaurant purchases. The executive membership literally pays for itself via the rebate and I get about $500 cash back each year. I don't pay for my costco runs on the card, it just gets me in the doo...
by sunny_socal
Sun Sep 20, 2020 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469390

Re: Refinance Mega Thread

For Amerisave $500 application fee, do they really return the $500 back to you at closing to offset closing costs? Is this in writing somewhere? Does the $500 application fee show in Section A of the initial LE? and then removed when the loan closes? Thank you. Anybody used Amerisave can answer abo...
by sunny_socal
Thu Sep 17, 2020 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469390

Re: Refinance Mega Thread

Finally got an application to be accepted! Amerisave: - 2.75% - 460k loan - 625k home value - No Points - No Escrow A+B+C=$5100 Lender Credits = $1750 Out of pocket = $3350 Since appraisal & inspection were waived, that drops by $500 to a total of $2850 cash-to-close . I had to pay $500 for an appli...
by sunny_socal
Thu Sep 17, 2020 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469390

Re: Refinance Mega Thread

Well... LC just got back to me after 2 weeks of waiting and what can I say, it was worth the wait... A=0 A+B+C= $1,390 E+F+G+H=906 Total=$2,296 Lender Credit=$2400 Total costs=. -$104 Rate of 2.5% for 25 yr and 30 yr loan Which would you take? I'm going with loan cabin since I'm not in a hurry :) W...
by sunny_socal
Tue Sep 15, 2020 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: New vanguard account: Reinvest dividends or put into Money Market holding?
Replies: 42
Views: 2176

Re: New vanguard account: Reinvest dividends or put into Money Market holding?

Called vanguard, they said it will take yet another 24h to fully settle:
- 24h to send in funds
- 24h to make the transaction
- 24h to settle..
- THEN you can change the dividend election
by sunny_socal
Tue Sep 15, 2020 7:41 am
Forum: Personal Finance (Not Investing)
Topic: New vanguard account: Reinvest dividends or put into Money Market holding?
Replies: 42
Views: 2176

Re: New vanguard account: Reinvest dividends or put into Money Market holding?

So the account is set up now, took a week to transfer funds from my bank and to make a purchase. Went to My Account -> Dividend and Capital Gains Distributions -> Change Distribution elections I'm greeted with this screen where the "change" link is ghosted! - Why is that? - Must I wait another week?...
by sunny_socal
Mon Sep 14, 2020 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469390

Re: Refinance Mega Thread

So here's my quote from better.com - Location: Central TX - 625k home value - 457k loan balance (to refi) - 760 credit score - No debt other than this mortgage - 3.125% current rate I'd be out about $6000 at closing, I don't understand why I'm getting such a terrible deal while others are getting 2....
by sunny_socal
Sat Sep 12, 2020 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469390

Re: Refinance Mega Thread

Going to ask again...Thank you! When you lock with multiple lenders, do you send in your documents to all of them and go thru underwriting? At what point do you tell the lenders that you are canceling/withdrawing the application? What reason do you tell them without making them too upset or does th...
by sunny_socal
Fri Sep 11, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469390

Re: Refinance Mega Thread

I'm in the same boat. Seemingly excellent stats going in, should be a no-brainer to find one of these deals. I even had a guy call me from LoanDepot and tell me straight up "You should stay with your 3.125%, it's not going to get better than that." State of TX. I'm so confused seeing all these posts...
by sunny_socal
Fri Sep 11, 2020 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469390

Re: Refinance Mega Thread

Profile: - Home value 625k - Mortgage 457k - Current rate 3.125, 30 years remaining (recent refi, but situation was complicated at the time so couldn't reach for better rate...) - Central TX We have a recent home sale and paid off our 2nd mortgage on existing home. None of these transactions are re...
by sunny_socal
Wed Sep 09, 2020 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Vanguard 'new account' crashed just before completion
Replies: 6
Views: 569

Re: Help! Vanguard 'new account' crashed just before completion

Raymond wrote: Wed Sep 09, 2020 7:03 pm Was a pop-up blocker active on the first browser?
Yes, but there was no indication it should be disabled

In Chrome when the setup went through and I saw a summary screen, no pop-up
by sunny_socal
Wed Sep 09, 2020 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Vanguard 'new account' crashed just before completion
Replies: 6
Views: 569

Re: Help! Vanguard 'new account' crashed just before completion

Not resolved, but apparently didn't go through. Checked w/ vanguard and bank. Thanks!

Resubmitted with a different browser and all was ok.
by sunny_socal
Wed Sep 09, 2020 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: New vanguard account: Reinvest dividends or put into Money Market holding?
Replies: 42
Views: 2176

Re: New vanguard account: Reinvest dividends or put into Money Market holding?

I'm going through the setup. It is forcing me to put money into the Money Market Settlement account. So it seems impossible to just buy later with a direct bank withdrawal, one _must_ go through this holding account? Did you already setup a bank link? This requires Vanguard to deposit a couple cent...
by sunny_socal
Wed Sep 09, 2020 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: New vanguard account: Reinvest dividends or put into Money Market holding?
Replies: 42
Views: 2176

Re: New vanguard account: Reinvest dividends or put into Money Market holding?

I'm going through the setup. It is forcing me to put money into the Money Market Settlement account. So it seems impossible to just buy later with a direct bank withdrawal, one _must_ go through this holding account?
by sunny_socal
Wed Sep 09, 2020 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: New vanguard account: Reinvest dividends or put into Money Market holding?
Replies: 42
Views: 2176

Re: New vanguard account: Reinvest dividends or put into Money Market holding?

Will all these dividend 'tiny purchases' need to be tracked with their own basis? I'm planning on just buying a fund and letting it sit there for years, was hoping to track only the initial basis. Vanguard will do the tracking for you. If you yourself want to track only the initial basis, then you ...
by sunny_socal
Wed Sep 09, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: New vanguard account: Reinvest dividends or put into Money Market holding?
Replies: 42
Views: 2176

Re: New vanguard account: Reinvest dividends or put into Money Market holding?

MotoTrojan wrote: Wed Sep 09, 2020 4:52 pm Why no Roth or traditional IRA if only have ever used 401k?
I'm going to do a Backdoor Roth next, but I'm still setting up the main 'taxable' account. Per my understanding they are completely separate.
by sunny_socal
Wed Sep 09, 2020 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: New vanguard account: Reinvest dividends or put into Money Market holding?
Replies: 42
Views: 2176

Re: New vanguard account: Reinvest dividends or put into Money Market holding?

Will all these dividend 'tiny purchases' need to be tracked with their own basis? I'm planning on just buying a fund and letting it sit there for years, was hoping to track only the initial basis. Yes, officially they need to be tracked. Nowadays your brokerage is required to do that for you. If yo...
by sunny_socal
Wed Sep 09, 2020 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: New vanguard account: Reinvest dividends or put into Money Market holding?
Replies: 42
Views: 2176

Re: New vanguard account: Reinvest dividends or put into Money Market holding?

Since re-investments are actually tiny purchases, if you re-invest in taxable accounts, you will end up with lots of tiny "purchases", which can be annoying when you go to sell. I don't find such things annoying. And one doesn't end up with numerous tiny "purchases" anyways since distributions for ...
by sunny_socal
Wed Sep 09, 2020 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: New vanguard account: Reinvest dividends or put into Money Market holding?
Replies: 42
Views: 2176

Re: New vanguard account: Reinvest dividends or put into Money Market holding?

You can set re-investment options for each separate asset (fund, stock, ETF) you own under settings, somewhere under "My Accounts". Since re-investments are actually tiny purchases, if you re-invest in taxable accounts, you will end up with lots of tiny "purchases", which can be annoying when you g...
by sunny_socal
Wed Sep 09, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: New vanguard account: Reinvest dividends or put into Money Market holding?
Replies: 42
Views: 2176

New vanguard account: Reinvest dividends or put into Money Market holding?

Hi all, I'm setting up my very first taxable account at Vanguard. There's a page where it asks what to do with dividends: 1. Auto reinvest -or- 2. Put the proceeds into the Money Market holding account What should I choose? I'm new to this, so far I've only had a 401k and I've never been directly pa...
by sunny_socal
Wed Sep 09, 2020 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Vanguard 'new account' crashed just before completion
Replies: 6
Views: 569

Help! Vanguard 'new account' crashed just before completion

I'm trying to sign up for a new taxable account at Vanguard - Picked 'general savings' (as opposed to Retirement or College) - Joint account with wife, right of survivorship - Names, addresses, DOB, phone numbers - Both social security numbers - Bank information, asked to send in 100k - Selected "Sw...
by sunny_socal
Wed Sep 09, 2020 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469390

Re: Refinance Mega Thread

What are the downsides with Loan Cabin? I read in this thread " They're good if you're not in a hurry... " - Is the application process slow? - Customer service is unresponsive? - Processing time is long? - How long should the rate lock be? (They present 15-day, 30-day, 60-day) - Is there a fee for...
by sunny_socal
Wed Sep 09, 2020 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7030
Views: 469390

Re: Refinance Mega Thread

What are the downsides with Loan Cabin? I read in this thread " They're good if you're not in a hurry... " - Is the application process slow? - Customer service is unresponsive? - Processing time is long? - How long should the rate lock be? (They present 15-day, 30-day, 60-day) - Is there a fee for ...
by sunny_socal
Mon Sep 07, 2020 10:39 am
Forum: Personal Consumer Issues
Topic: State camping reservation system forgets password
Replies: 2
Views: 318

State camping reservation system forgets password

So I'm trying to reserve campsites for the fall and _all_ the systems seem to constantly 'forget' my login information. It's frustrating: - Search for a campsite... - Find one! Last one available - Book it - No, must first log in... - Sorry, invalid login! Click "forgot password" - Reset password, o...
by sunny_socal
Wed Sep 02, 2020 5:46 pm
Forum: Personal Consumer Issues
Topic: No more Nikon DSLR at Costco?
Replies: 23
Views: 1717

No more Nikon DSLR at Costco?

My son is taking a photography class, I offered to buy a DSLR "for the family" and he could use it. Costco has always had a Nikon bundle, but now it seems they don't carry the brand at all! I could have sworn they regularly stocked something. Or is it seasonal? (eg. around the holidays) Eg. D3500 wi...
by sunny_socal
Wed Sep 02, 2020 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Offered a 2nd job (contract) Any pitfalls?
Replies: 33
Views: 1693

Re: Offered a 2nd job (contract) Any pitfalls?

Well I wrote back to the recruiter and made it clear that I have a full-time job at Employer1 and have no intent to quit. The 4 month contract at Employer2 would be a 2nd job. I'm confident I could deliver what they're asking for quite easily (ie. writing a bunch of code in a tech field unrelated to...
by sunny_socal
Wed Sep 02, 2020 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Offered a 2nd job (contract) Any pitfalls?
Replies: 33
Views: 1693

Re: Offered a 2nd job (contract) Any pitfalls?

That's gonna look weird on ur resume going forward if u take job. How are u going to explain to future employers that u had two full time jobs at same time lolol I won't disclose the 2nd job. It's just cash on the side. Four months. Found the employee policy, paraphrased below: You may not take bus...
by sunny_socal
Wed Sep 02, 2020 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Offered a 2nd job (contract) Any pitfalls?
Replies: 33
Views: 1693

Re: Offered a 2nd job (contract) Any pitfalls?

Answers : - Don't know the policy, I guess I'll look for the employee handbook - So someone was fired for real estate? I've known people who do just that. They are engineers during the day, realtors on the side... not fired although everyone knew about it and frequently used said realtor for advice...
by sunny_socal
Wed Sep 02, 2020 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Offered a 2nd job (contract) Any pitfalls?
Replies: 33
Views: 1693

Offered a 2nd job (contract) Any pitfalls?

I'm currently working full time for a Megacorp. The workload is very moderate and some days I have almost nothing to do. I milk my tasks and 'work' maybe half an hour to a couple hours per day. There are usually some morning meetings where I'm just a fly on the wall, those are usually over by noon. ...
by sunny_socal
Wed Aug 19, 2020 7:22 am
Forum: Personal Consumer Issues
Topic: How to Get Rid of an Old Car
Replies: 40
Views: 3524

Re: How to Get Rid of an Old Car

Okay, bizarre ending to this. Despite multiple sources saying the car was worth under $700 (Kelley Blue Book, etc), I brought it to a chain of purchasers of used cars (can I say who?) and they paid $2000 for it. It took me way too long to get around to doing this (sold it yesterday), but that's don...
by sunny_socal
Tue Aug 11, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: More fun: drone or RC plane?
Replies: 32
Views: 2092

Re: More fun: drone or RC plane?

RC Planes: fun, but be prepared to crash & fix that plane

Drones: Foolproof
by sunny_socal
Tue Aug 11, 2020 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can a home refi be canceled in mid-process?
Replies: 3
Views: 453

Re: Can a home refi be canceled in mid-process?

Yes, I cancelled two refis since they weren't going anywhere. But I was out the application fees in both cases.
by sunny_socal
Tue Aug 11, 2020 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can I still refinance? Refinanced a month ago.
Replies: 17
Views: 1981

Re: Can I still refinance? Refinanced a month ago.

I'm in the same boat. Just completed a refi that took months to process, got 3.125%

That's now a bad rate, so will do another refi once another deal closes at the end of the month. Will aim for 2.5%
by sunny_socal
Mon Aug 10, 2020 8:45 pm
Forum: Personal Consumer Issues
Topic: Looking for gas can that is easy fill / easy pour
Replies: 43
Views: 2653

Re: Looking for gas can that is easy fill / easy pour

IMHO, the NATO spec 5, 10 & 20 liter gas cans are the best "out there." Not inexpensive, but they'll last for the rest of your life and then some.... https://deutscheoptik.com/10-liter-jerry-can.html I like these as well. Just get new gaskets every few years and they'll last a lifetime. You can get...
by sunny_socal
Mon Aug 10, 2020 8:44 pm
Forum: Personal Consumer Issues
Topic: Herman Miller Aeron chair
Replies: 64
Views: 4939

Re: Herman Miller Aeron chair

Get the seat cushion from ebay, then it's comfy. Otherwise the base will feel like a rock after 20min.
by sunny_socal
Fri Aug 07, 2020 9:14 am
Forum: Personal Consumer Issues
Topic: New Toyota Highlander, 2020 vs. 2021
Replies: 58
Views: 3937

Re: New Toyota Highlander, 2020 vs. 2021

The old one had a face only a mother can love.

In 2021 they took that poor car behind the wood shed and gave it another beating with the Ugly Stick! Hard to imagine making it any worst but by golly, Toyota & Lexus are always up to task.

Get the 2020 for the love of pete! :D
by sunny_socal
Mon Aug 03, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: Cyclists...where are you getting your masks?
Replies: 65
Views: 5678

Re: Cyclists...where are you getting your masks?

If your running, biking, walking, camping, surfing etc - don't wear a mask. This thing is not the Black Death...

If you're standing in line next to a bunch of sick people, wear one.
by sunny_socal
Mon Aug 03, 2020 7:42 am
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 162
Views: 8282

Re: What Car Maintenance Do You Do?

I do virtually all routine maintenance: - Differential & transfer case fluids - Transmission fluids - Regular oil changes, filter - Air filter, cabin filter - Brakes (pads, fluids, rotors) - Lube propeller shaft - Air blowers - Broken turn signal relays - Broken light bulbs - Audio upgrades (head u...
by sunny_socal
Fri Jul 31, 2020 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Sold our rental! What to do with the proceeds? (mortgage vs invest)
Replies: 19
Views: 1422

Re: Sold our rental! What to do with the proceeds? (mortgage vs invest)

Ok so doing a refi on the mortgage is a good step. I need to wait for the smoke to clear on my home sale first (I already did a refi once this year and it took 4 months due to the covid) I will consider that as a completely separate activity. Yes, planning on paying for college through cashflow. In ...