Search found 1568 matches

by XtremeSki2001
Wed Nov 25, 2020 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Care options for parent (mental health, death of spouse)
Replies: 28
Views: 2192

Re: Care options for parent (mental health, death of spouse)

It's been nearly six months since my fathers passing so thought I would post an update on how things went / are going. They didn't go the way I thought they would. My mother has continued her outpatient program via telephone once a week for ~1 hour as well as her normal counselor for an additional ~...
by XtremeSki2001
Mon Sep 28, 2020 11:17 am
Forum: Personal Consumer Issues
Topic: Relocating from SEPA to Buffalo Area - Seeking Input
Replies: 1
Views: 182

Relocating from SEPA to Buffalo Area - Seeking Input

Hi All - The members here have always shared invaluable insights! Once DW and I started talking about relocating from Bucks County, PA to Buffalo, NY you're the first I thought I'd seek input from. We have some family up there that are retired, but seeking some independent feedback. Basic info at th...
by XtremeSki2001
Sat Sep 19, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8096
Views: 564801

Re: Refinance Mega Thread

Thanks for the guidance from members here to date. I’ve successfully navigated a refi with several companies and in the process of closing a 15yr at 2.5%. My question is how much can one expect A+B+C change from the Loan Estimate to Closing? In reviewing the closing papers, I’m seeing a $1,500 incr...
by XtremeSki2001
Sat Sep 19, 2020 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8096
Views: 564801

Re: Refinance Mega Thread

Thanks for the guidance from members here to date. I’ve successfully navigated a refi with several companies and in the process of closing a 15yr at 2.5%. My question is how much can one expect A+B+C change from the Loan Estimate to Closing? In reviewing the closing papers, I’m seeing a $1,500 incre...
by XtremeSki2001
Mon Aug 10, 2020 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8096
Views: 564801

Re: Refinance Mega Thread

If two lenders are offering the same interest rate, you just compare the sum of A+B+C+E less lender credits to determine which offer is better. I agree with this. However in practice, section E can also be manipulated. This actually represents the amount you get charged by the government agency to ...
by XtremeSki2001
Mon Aug 10, 2020 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8096
Views: 564801

Re: Refinance Mega Thread

If two lenders are offering the same interest rate, you just compare the sum of A+B+C+E less lender credits to determine which offer is better. I agree with this. However in practice, section E can also be manipulated. This actually represents the amount you get charged by the government agency to ...
by XtremeSki2001
Wed Aug 05, 2020 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8096
Views: 564801

Re: Refinance Mega Thread

If two lenders are offering the same interest rate, you just compare the sum of A+B+C+E less lender credits to determine which offer is better. I agree with this. However in practice, section E can also be manipulated. This actually represents the amount you get charged by the government agency to ...
by XtremeSki2001
Wed Aug 05, 2020 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8096
Views: 564801

Re: Refinance Mega Thread

I think I'm almost at the finish line. Unfortunately LenderFi is no longer offering the 2.375 at no cost so I'm back to 2.5. Is it logical for me to remove property taxes from total closing costs? If I'm paying them out of pocket up front and then getting a credit from my current mortgage holder in ...
by XtremeSki2001
Wed Aug 05, 2020 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8096
Views: 564801

Re: Refinance Mega Thread

Folks starting to see mortgage brokers refuse to provide a loan estimate (official) until you fill out a full application (docs and all)? Yes, LenderFi did that to me. I decided to get quotes from owning and better who did not need full application for a quote, and went with owning. +1 w/ LenderFi....
by XtremeSki2001
Wed Aug 05, 2020 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8096
Views: 564801

Re: Refinance Mega Thread

Thanks to this thread I applied with LenderFi. I’m in Texas and locked in a 30 year at 2.375 with no points. I was extend this rate yesterday, too. I'm in Pennsylvania. LenderFi seems to do things a little different than others ... no LE yet, I had to upload several documents (W2, Mortgage Statemen...
by XtremeSki2001
Wed Aug 05, 2020 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8096
Views: 564801

Re: Refinance Mega Thread

Thanks to this thread I applied with LenderFi. I’m in Texas and locked in a 30 year at 2.375 with no points. I was extend this rate yesterday, too. I'm in Pennsylvania. LenderFi seems to do things a little different than others ... no LE yet, I had to upload several documents (W2, Mortgage Statemen...
by XtremeSki2001
Tue Aug 04, 2020 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8096
Views: 564801

Re: Refinance Mega Thread

Title fees are outrageous. Can be as low as $300.00 for everything. Rest is reasonable. You have near perfect credit, get no escrow requirement so you can keep interest on that pot annually. Try not to finance closing costs. Ask for waive of fee on 2.5% lock. A+B+C for Better and Mutual of Omaha ar...
by XtremeSki2001
Tue Aug 04, 2020 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8096
Views: 564801

Re: Refinance Mega Thread

Title fees are outrageous. Can be as low as $300.00 for everything. Rest is reasonable. You have near perfect credit, get no escrow requirement so you can keep interest on that pot annually. Try not to finance closing costs. Ask for waive of fee on 2.5% lock. A+B+C for Better and Mutual of Omaha ar...
by XtremeSki2001
Tue Aug 04, 2020 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8096
Views: 564801

Re: Refinance Mega Thread

Title fees are outrageous. Can be as low as $300.00 for everything. Rest is reasonable. You have near perfect credit, get no escrow requirement so you can keep interest on that pot annually. Try not to finance closing costs. Ask for waive of fee on 2.5% lock. A+B+C for Better and Mutual of Omaha ar...
by XtremeSki2001
Tue Aug 04, 2020 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8096
Views: 564801

Re: Refinance Mega Thread

This is my first refi from 30y to 15y so excuse my ignorance ... went through Costco and wound up with Mutual of Omaha. Reading the Loan Application I've provided the details below. Some questions: 1 - Is it typical to pay for a 60-day lock of the rate or should I stick with 40-day at no cost? 2 - Y...
by XtremeSki2001
Mon Aug 03, 2020 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8096
Views: 564801

Re: Refinance Mega Thread

LenderFi site is saying they're not taking any other applications. Next best bet is better.com? Any others that should be considered?
by XtremeSki2001
Sun Aug 02, 2020 6:47 am
Forum: Personal Investments
Topic: Re-balancing to three-fund portfolio
Replies: 15
Views: 1225

Re: Re-balancing to three-fund portfolio

Thanks minty/lakpr. Am I correct in saying the savings resulting from a refi down to 15yr are realized in years 15-22 where I would otherwise be paying a mortgage payment if I kept things as-is? The savings is immediate but realization, extra cash in hand, isn’t for 15 years so I think that’s where ...
by XtremeSki2001
Sat Aug 01, 2020 7:50 pm
Forum: Personal Investments
Topic: Re-balancing to three-fund portfolio
Replies: 15
Views: 1225

Re: Re-balancing to three-fund portfolio

Thanks for all the input. Happy I’m not that far off from where I want to be. Pretty sure I picked the TR 2055 fund in 2006 or so right out of college on the advice of this forum. The low hanging fruit in your situation is: Mortgage ($288k @ 3.625%, 22 years to go). I'd refi that puppy down to today...
by XtremeSki2001
Sat Aug 01, 2020 7:21 am
Forum: Personal Investments
Topic: Re-balancing to three-fund portfolio
Replies: 15
Views: 1225

Re: Re-balancing to three-fund portfolio

The only fund I like in that list is the S&P500. I'd go for that and use the other accounts to get to your desired AA. (Bond funds, that is.) You say you want to re-balance but don't say what your current AA and target AA are. Is the "Fidelity 401(k)" the same account as "his 401...
by XtremeSki2001
Sat Aug 01, 2020 6:57 am
Forum: Personal Investments
Topic: Re-balancing to three-fund portfolio
Replies: 15
Views: 1225

Re-balancing to three-fund portfolio

Hi All - My details are below, but seeking input to help re-balance. I've been in VANGUARD TARGET 2055 since college and now in my mid-30's. I'd like to align with Boglehead's recommendation of a three-fund portfolio (e.g., VTSAX, VTIAX, VBTLX). Unfortunately, my Fidelity 401k doesn't offer these fu...
by XtremeSki2001
Mon Jul 06, 2020 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Care options for parent (mental health, death of spouse)
Replies: 28
Views: 2192

Re: Care options for parent (mental health, death of spouse)

Hi All - Thank you again for the thoughtful posts and PMs. Thank you also to those I didn't respond to specifically and for the guidance on POAs should I/we need one. 1. Your county social services organization and your mother's physician(s) can be very helpful at locating resources. This requires p...
by XtremeSki2001
Mon Jun 29, 2020 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Care options for parent (mental health, death of spouse)
Replies: 28
Views: 2192

Re: Care options for parent (mental health, death of spouse)

Thanks again for the thoughtful posts. It's becoming clearer each day the road will be long. Although my mother is young (68) and functioning, her attitude is defeatist. Everything from preparing a meal or asking her to call Social Security is 'too much'. However, she has a hair appointment in anoth...
by XtremeSki2001
Thu Jun 25, 2020 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Care options for parent (mental health, death of spouse)
Replies: 28
Views: 2192

Re: Care options for parent (mental health, death of spouse)

Thank you for your thoughtful responses. My mom has been with us now for about a week and seemingly takes care of herself so long as there's no major tasks. For example, she can shower, make lunch, carry conversation fine but if asked to do something independent like call and update Social Security ...
by XtremeSki2001
Wed Jun 17, 2020 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Care options for parent (mental health, death of spouse)
Replies: 28
Views: 2192

Re: Care options for parent (mental health, death of spouse)

It seems like after losing your father, it is a loving decision for you and your sister to have your mom living with you. Does your mom have friends? Isolation, as I am sure you already know, is risky. Some mutual friends of my fathers, but no friends of her own ... unlikely she would go out with t...
by XtremeSki2001
Wed Jun 17, 2020 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Care options for parent (mental health, death of spouse)
Replies: 28
Views: 2192

Care options for parent (mental health, death of spouse)

+++I posted a ~6 month update on Nov 25 here+++ . Hi All - Have always received great advice from the members of this forum. Asking again for some input and guidance. My father (70) passed last week and my mother (67) relied on him heavily. She has mental health issues, primarily anxiety and depres...
by XtremeSki2001
Sat Apr 18, 2020 8:15 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4779
Views: 1296747

Re: What Book Are You Currently Reading? Part VI

The Great Bridge - David McCullough
by XtremeSki2001
Fri Apr 17, 2020 6:09 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29822

Re: [Government stimulus payments]

Got mine today, but confused. Maybe someone has someone has insight? We're a married couple filing jointly with four (4) dependents under age 17. Have not filed 2019 taxes. 2018 adjusted gross income was <$150k. Our gross was actually under $150k. Stimulus check is $3,400. By my calculation, my sti...
by XtremeSki2001
Wed Apr 15, 2020 10:25 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29822

Re: [Government stimulus payments]

Got mine today, but confused. Maybe someone has someone has insight? We're a married couple filing jointly with four (4) dependents under age 17. Have not filed 2019 taxes. 2018 adjusted gross income was <$150k. Our gross was actually under $150k. Stimulus check is $3,400. By my calculation, my sti...
by XtremeSki2001
Wed Apr 15, 2020 9:44 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29822

Re: [Government stimulus payments]

Got mine today, but confused. Maybe someone has someone has insight? We're a married couple filing jointly with four (4) dependents under age 17. Have not filed 2019 taxes. 2018 adjusted gross income was <$150k. Our gross was actually under $150k. Stimulus check is $3,400. By my calculation, my stim...
by XtremeSki2001
Tue Apr 14, 2020 5:58 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 954
Views: 178591

Re: Boglehead Beer

I meant to say... I enjoy big beers like the Founders CBS and Breakfast Stout. I've been looking for a beer that has similar flavor but with low alcohol. Uinta Brewing Baba Black Lager is the best I've found so far. The search continues :sharebeer Got it. Not sure if you have it where you are but c...
by XtremeSki2001
Tue Apr 14, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 954
Views: 178591

Re: Boglehead Beer

This sheltering in place is forcing/allowing me to find various beers I had forgotten I had in the back of my beer fridge. +1 I've picked a few from my cellar, consuming the following in the last few weeks of quarantine: - 2018 Founders KBS - 2019 BCBS - 2018 BCBS Midnight Orange It's getting warme...
by XtremeSki2001
Wed Jun 05, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 43970

Re: For those who earn $500k+ per year. How'd you do that?

I chose a career where I knew I'd never make millions. It is stable with good benefits and higher than average pay. Sometimes I dream of chasing the big bucks and wonder what specific skills have lead to people earning ultra-high incomes. If you earn over $500k/year, what's your story? A manager le...
by XtremeSki2001
Wed May 22, 2019 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 35347

Re: Anyone want to share their monthly budget? Here's ours

Love this thread ... would love to see OP (or someone else) standardize a method to submit a budget so it's easier to review / compare. I enjoy seeing these numbers to see if I'm nuts or not ....
by XtremeSki2001
Wed May 22, 2019 7:25 am
Forum: Personal Investments
Topic: Early Retirement Bridge Approach
Replies: 18
Views: 3112

Re: Early Retirement Bridge Approach

1 - Max 401k and ROTH IRA first, then fund the bridge over time through taxable accounts/investments. 2 - Max 401k and ROTH IRA, then 5-years before retirement follow the roth conversion ladder process. 3 - Max 401k and ROTH IRA, then pay 10% early withdraw penalty on funds (as needed). I'd be a bi...
by XtremeSki2001
Tue May 21, 2019 3:13 pm
Forum: Personal Investments
Topic: Early Retirement Bridge Approach
Replies: 18
Views: 3112

Re: Early Retirement Bridge Approach

If you save up enough fast enough, and meter it out slow enough, you can stay in pretty low tax brackets. (assuming that aligns with your lifestyle) I can only pretend to know what my lifestyle will be at 55. I expect my spending to stay the same as it is today ... house/kids/college will be replac...
by XtremeSki2001
Tue May 21, 2019 2:23 pm
Forum: Personal Investments
Topic: Early Retirement Bridge Approach
Replies: 18
Views: 3112

Re: Early Retirement Bridge Approach

4) None of the above. If you are still employed at that company the year you turn 55 most 401k plans allow you to do penalty free withdrawals after you retire. If that does not work you can all roll the 401k money into an IRA then do penalty free SEPP withdrawals with just a few hoops to jump throu...
by XtremeSki2001
Tue May 21, 2019 10:00 am
Forum: Personal Investments
Topic: Early Retirement Bridge Approach
Replies: 18
Views: 3112

Re: Early Retirement Bridge Approach

4) None of the above. If you are still employed at that company the year you turn 55 most 401k plans allow you to do penalty free withdrawals after you retire. If that does not work you can all roll the 401k money into an IRA then do penalty free SEPP withdrawals with just a few hoops to jump throu...
by XtremeSki2001
Tue May 21, 2019 9:16 am
Forum: Personal Investments
Topic: Early Retirement Bridge Approach
Replies: 18
Views: 3112

Early Retirement Bridge Approach

Hi - Found some threads on this topic, but no definitive consensus on the answer to my question. Generally, what's the typical practice of posters here for bridging the early retirement gap (e.g., retiring before 59 1/2)? I'm 35 so I still have time to change my strategy. 1 - Max 401k and ROTH IRA f...
by XtremeSki2001
Wed Apr 24, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 6695

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

I'd setup a Ubiquiti UniFi Wireless AP. They're a little bit more complicated to setup than regular consumer routers and they don't have a router built-in, just a really strong Wireless AP. They're designed for enterprise use, so they work incredibly well in multiple units. Since they don't have ro...
by XtremeSki2001
Wed Apr 24, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: “Smart Home” upgrades?
Replies: 30
Views: 3244

Re: “Smart Home” upgrades?

For those setting up a smart home, make sure you clearly understand HOW your devices are connected to your home network and WHAT that means as far as security. SPECIFICALLY, if you don't connect these devices to your Guest network, and they share the same network as your computer(s), tablet(s) and ...
by XtremeSki2001
Tue Apr 16, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 954
Views: 178591

Re: Boglehead Beer

Spoiled a few weeks ago ... was in San Diego so got the chance to visit a few breweries - AleSmith, Modern Times, and Resident. AleSmith has a tasting room where you can peruse and taste the Speedway Stout catalog. Really great experience and had Sap Ness Monster (two batches separately aged in mapl...
by XtremeSki2001
Mon Mar 04, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 954
Views: 178591

Re: Boglehead Beer

Not very Boglehead, but enjoyed Firestone Walker's Stickee Monkee from 2017 the other night. One of the most delicious Belgian quads I've ever had. I agree that it's an amazing beer. Firestone's XXII anniversary is something like 44% stickee monkey, so you might like to try that if you also like Pa...
by XtremeSki2001
Tue Jan 22, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 954
Views: 178591

Re: Boglehead Beer

Homebrewing: Indexing for beer snobs. 8) How did you learn? I used to brew beer in the basement in college. My friends liked my results. It was not difficult at all. I concluded making tasty beer at home was much easier than making drinkable wine. ^^^^^ +100 I thought making decent homebrew would b...
by XtremeSki2001
Fri Jan 18, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 954
Views: 178591

Re: Boglehead Beer

ncbill wrote: Fri Jan 18, 2019 7:06 pm Any other Hefeweizen to recommend?
Weihenstephaner or Paulaner. The Germans do it best.
by XtremeSki2001
Fri Jan 18, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 954
Views: 178591

Re: Boglehead Beer

investingdad wrote: Fri Jan 18, 2019 3:22 pmI NEED that glass.

I have a Chimay tulip glass that I use for this beer.
They sell them on Amazon (linked below) ... I got my glass while in Belgium so the nostalgia won’t be the same if I buy one haha.

https://www.amazon.com/dp/B00L2RQUCW/re ... qCbNXQMDP5
by XtremeSki2001
Fri Jan 18, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 954
Views: 178591

Re: Boglehead Beer

When it comes to beer, I take a page from the old, white haired guy that built Jurassic Park in the movies...I spare no expense. I recently got a 4 pack of N'Ice Chouffe for about $20. The happy little forest gnomes on the label cleverly disguise the high ABV of this Belgian dark ale. Brasserie d'A...
by XtremeSki2001
Fri Jan 18, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4779
Views: 1296747

Re: What Book Are You Currently Reading? Part VI

Just finished Into Thin Air by Jon Krakauer

Now reading You Are What You Love by James K. A. Smith
by XtremeSki2001
Fri Jan 18, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 954
Views: 178591

Re: Boglehead Beer

Not very Boglehead, but enjoyed Firestone Walker's Stickee Monkee from 2017 the other night. One of the most delicious Belgian quads I've ever had.
by XtremeSki2001
Fri Dec 07, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4779
Views: 1296747

Re: What Book Are You Currently Reading? Part VI

Just finished Bill Bryson's "A Short History of Nearly Everything". Starting to read Jon Krakauer's "Into Thin Air" I climbed with Scott Fischer in the Wind River Range of WY in 1974. (His future wife was with the group as well.) Tragedy of epic proportions when he was lost on E...
by XtremeSki2001
Tue Dec 04, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4779
Views: 1296747

Re: What Book Are You Currently Reading? Part VI

Just finished Bill Bryson's "A Short History of Nearly Everything".

Starting to read Jon Krakauer's "Into Thin Air"