Search found 574 matches

by wootwoot
Wed Apr 22, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: How much to tip on DoorDash?
Replies: 60
Views: 5184

Re: How much to tip on DoorDash?

So many posts mention Covid-19 when that wasn't part of the original question. To those that referenced the pandemic what did you normally tip DoorDash drivers before?
by wootwoot
Tue Apr 21, 2020 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524323

Re: Refinance Mega Thread

Locked a 3.25 30 year no cost refi today through Costco. No appraisal needed. Wootwoot, Would you mind sharing which lender you used through Costco? I spoke with 4 lenders today through Costco and 3.375 is the lowest I received on a 30yr fixed. 75% LTV 800+ credit ConsumerDirect mortgage. 70% LTV, ...
by wootwoot
Mon Apr 20, 2020 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: will covid 19 destroy senior campuses
Replies: 52
Views: 4469

Re: will covid 19 destroy senior campuses

sarahjane wrote: Mon Apr 20, 2020 9:41 pm Covid 19 has called into question retirement communal living.
Not for me.
by wootwoot
Mon Apr 20, 2020 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524323

Re: Refinance Mega Thread

Locked a 3.25 30 year no cost refi today through Costco. No appraisal needed.
by wootwoot
Sat Apr 18, 2020 8:48 pm
Forum: Personal Investments
Topic: After 401K and Traditional IRA max?
Replies: 11
Views: 786

Re: After 401K and Traditional IRA max?

529 contribution
by wootwoot
Sat Apr 18, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524323

Re: Refinance Mega Thread

Is there any way to see loandepot's rates before applying?
by wootwoot
Sat Apr 18, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: Expecting Child #1 - Cost Saving Ideas?
Replies: 55
Views: 2219

Re: Expecting Child #1 - Cost Saving Ideas?

Some great advice in here. New babies don't get too expensive until you need daycare.
by wootwoot
Fri Apr 17, 2020 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524323

Re: Refinance Mega Thread

LenderFi was great when I spoke with the guy, website a bit clunky. I have to subordinate a 2nd loan but he still got me at 3.25% for low closing cost. Take the Loan Estimate to Better for the $2500 credit. Would have went with him if it wasn't for the $2500 credit. Better.com is a bit difficult to...
by wootwoot
Thu Apr 16, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524323

Re: Refinance Mega Thread

Can you provide any additional info on your loan? I've checked LenderFi 3 times throughout the day and the best no cost rate was 3.75. 510k conforming (bringing in a little cash to get down to this balance), ~30% LTV (SF bay area with a lot of appreciation over the last 7 years), excellent credit s...
by wootwoot
Wed Apr 15, 2020 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524323

Re: Refinance Mega Thread

Bit the bullet and locked 3% 30yr fixed with LenderFi today. We were offered 3.125 no cost or $400 for the 3%. We spent the $400. I feel like rates may drift downward and maybe hit bottom in June but I'd rather just get this thing closed and start enjoying the lower payment, it's a lot of savings c...
by wootwoot
Tue Apr 14, 2020 12:36 am
Forum: Personal Finance (Not Investing)
Topic: REIT *funds* not akin to owning Investment Property
Replies: 53
Views: 3494

Re: REIT *funds* not akin to owning Investment Property

Buying a REIT is better than buying investment property. With a REIT I've never gotten a 3AM call to fix a broken dishwasher.
by wootwoot
Thu Apr 09, 2020 1:10 pm
Forum: Investing - Theory, News & General
Topic: Impact of newest Fed 2.3 Trillion on corporate bonds
Replies: 56
Views: 3990

Re: Impact of newest Fed 2.3 Trillion on corporate bonds

Similar predictions were made in 2008 and look at the run we had afterwards! Plenty of companies will still fail and go bankrupt, don't listen to the naysayers. Stay the course.
by wootwoot
Sun Apr 05, 2020 7:40 pm
Forum: Investing - Theory, News & General
Topic: Dow Futures Up Again?
Replies: 131
Views: 8312

Re: Dow Futures Up Again?

Futures numbers generally don't reflect what will happen when the market is open. It's unclear to me why posts like these keep popping up here. Stay the course and ignore the noise.
by wootwoot
Sun Apr 05, 2020 11:25 am
Forum: Personal Investments
Topic: Do You Use Vanguard AND Fidelity?
Replies: 26
Views: 1728

Re: Do You Use Vanguard AND Fidelity?

HSA at Fidelity.
by wootwoot
Fri Apr 03, 2020 10:40 am
Forum: Investing - Theory, News & General
Topic: Don't like bonds? They are outperforming stocks since 1999
Replies: 63
Views: 4964

Re: Don't like bonds? They are outperforming stocks since 1999

Thank you op. With all of the negative posts towards bonds over the last year it's great to see an article like this.
by wootwoot
Fri Apr 03, 2020 10:38 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1430
Views: 129192

Re: My LenderFi refinance is going well

Has anyone started a new refi with LenderFi recently? Most if not all of the posts from the last 2 weeks are follow-ups to people who started the process some time ago.
by wootwoot
Thu Apr 02, 2020 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Can I un-file my 2019 taxes in order to get a bigger stimulus check based on my 2018?
Replies: 30
Views: 2944

Re: Can I un-file my 2019 taxes in order to get a bigger stimulus check based on my 2018?

Therefore, some will receive a check in 2020 and need to pay it back in 2021 That's incorrect. No one has to pay back anything. Are you able to provide a source and/or direct us to the page in the bill? Admittedly, I haven’t seen anything on point, and presumed that an advance means you have to pay...
by wootwoot
Thu Apr 02, 2020 9:03 am
Forum: Investing - Theory, News & General
Topic: Is the coming pain really "priced in"?
Replies: 201
Views: 19495

Re: Is the coming pain really "priced in"?

It looks like today's unemployment numbers were priced in. Over 6 million unemployment claims and the market is flat.
by wootwoot
Tue Mar 31, 2020 2:57 pm
Forum: Investing - Theory, News & General
Topic: Last few days stocks have risen - but rally lacks conviction
Replies: 49
Views: 3487

Re: Last few days stocks have risen - but rally lacks conviction

Is this another market timing thread? Maybe we should create a market timing section for posts like these.
by wootwoot
Mon Mar 30, 2020 4:44 pm
Forum: Personal Consumer Issues
Topic: Tipping in new reality?
Replies: 80
Views: 4813

Re: Tipping in new reality?

Here's a summary of instacart delivery fees I'm aware of: ~10% markup on grocery prices - 5% service fee - 5% base tip - $3.99 delivery fee That is a LOT of markup and plenty to compensate a delivery person. That's $64 in fees on a $300 grocery order. It's up to Instacart and the shoppers to divide...
by wootwoot
Sun Mar 29, 2020 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Does my refi plan make sense?
Replies: 20
Views: 701

Re: Does my refi plan make sense?

Well played sir! :sharebeer
by wootwoot
Sun Mar 29, 2020 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Does my refi plan make sense?
Replies: 20
Views: 701

Re: Does my refi plan make sense?

Is lenderfi taking refi applications again? You may want to verify that.
by wootwoot
Sat Mar 28, 2020 5:48 pm
Forum: Personal Investments
Topic: Borrowing to invest in the market
Replies: 33
Views: 1862

Re: Borrowing to invest in the market

If you own your car you can get a title loan.
by wootwoot
Sat Mar 28, 2020 1:31 pm
Forum: Personal Investments
Topic: Share what worked in your plan during the crisis
Replies: 103
Views: 7244

Re: Share what worked in your plan during the crisis

We always keep a stock of toilet paper and paper towels that we buy when Amazon has a sale. Little did we know that these would become hot commodities. Going forward we will continue to take advantage of sales on these items.
by wootwoot
Thu Mar 26, 2020 5:46 pm
Forum: Personal Consumer Issues
Topic: Amazon Glacier cloud stoarge? Any experience?
Replies: 25
Views: 1865

Re: Amazon Glacier cloud stoarge? Any experience?

This is mostly used by businesses for data backups that need to be accessed very infrequently but stored long term. When you need your data it takes hours for Amazon to retrieve it but they charge you a very low rate for the storage. What is your use case?
by wootwoot
Wed Mar 25, 2020 10:54 pm
Forum: Personal Consumer Issues
Topic: What is with the printer paper delivery times on Amazon?
Replies: 39
Views: 2430

Re: What is with the printer paper delivery times on Amazon?

All Prime items are now showing deliveries on April 21. I don't think even Amazon is sure what will actually happen at this point. I don’t think this is true. I ordered some rescue tape for a leak and it is coming by Monday at the latest. Recent orders that we've placed for non-essentials also gave...
by wootwoot
Wed Mar 25, 2020 9:33 pm
Forum: Personal Consumer Issues
Topic: What is with the printer paper delivery times on Amazon?
Replies: 39
Views: 2430

Re: What is with the printer paper delivery times on Amazon?

Sounds like a good time to re-evaluate that prime account.
by wootwoot
Sun Mar 22, 2020 8:27 pm
Forum: Personal Consumer Issues
Topic: Charity during COVID-19
Replies: 14
Views: 934

Re: Charity during COVID-19

Donate blood at the red cross, they really need it.
by wootwoot
Sat Mar 21, 2020 10:04 am
Forum: Personal Finance (Not Investing)
Topic: unemployment insurance for gig and misclassified workers
Replies: 21
Views: 1561

Re: unemployment insurance for gig and misclassified workers

You could purchase unemployment insurance on the open market.
by wootwoot
Wed Mar 18, 2020 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Time to cash in Chase UR points?
Replies: 41
Views: 4117

Re: Time to cash in Chase UR points?

The panic has set in :) I am staying the course. If many customers cashed out a 1c per point, it will make UR and CSR more viable for Chase, so... go ahead :beer If chase devalues the points UR and CSR will also become increasingly viable. There is no indication that they plan to devalue but it sur...
by wootwoot
Tue Mar 17, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Daycare closed
Replies: 140
Views: 11109

Re: Daycare closed

Our daycare is still open and doesn't plan on closing unless the state mandates it. We're thankful since both of us work and taking care of young kids is a job in itself. If they close down I'm not sure how we will get anything done for work.
by wootwoot
Tue Mar 17, 2020 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524323

Re: Refinance Mega Thread

I checked LenderFi yesterday for a 30 year. The lowest no-cost refi rate was 4.125%.
by wootwoot
Mon Mar 16, 2020 10:14 pm
Forum: Investing - Theory, News & General
Topic: CNBC Contributor - Cash Out Refi and Invest
Replies: 19
Views: 1481

Re: CNBC Contributor - Cash Out Refi and Invest

Did they say which company to refi through? If you look at the rates they are all ~1% higher than the market rate. Of course you can't find anyone willing to give market rates today.
by wootwoot
Mon Mar 16, 2020 9:41 pm
Forum: Investing - Theory, News & General
Topic: Will the F.I.R.E. movement survive?
Replies: 98
Views: 7530

Re: Will the F.I.R.E. movement survive?

Fire will come back big time late in the next bull market.
by wootwoot
Mon Mar 16, 2020 10:31 am
Forum: Investing - Theory, News & General
Topic: 100% bonds
Replies: 37
Views: 2604

Re: 100% bonds

People are moving to treasuries now.
by wootwoot
Mon Mar 16, 2020 12:56 am
Forum: Personal Consumer Issues
Topic: Get a 2nd Refrigerator for Home, and put in garage - Good idea?
Replies: 88
Views: 5168

Re: Get a 2nd Refrigerator for Home, and put in garage - Good idea?

For most people, the fridge is one of their biggest electricity users. Expect the increase to be noticeable. This is incorrect, our garage fridge is a 15 years old Kenmore with a freezer/fridge and it uses under $4 a month. We have an energy monitoring system in place and neither of our fridges use...
by wootwoot
Sun Mar 15, 2020 7:43 pm
Forum: Personal Investments
Topic: How to allocate 50k in this climate?
Replies: 13
Views: 774

Re: How to allocate 50k in this climate?

Lump sum usually wins.
by wootwoot
Sun Mar 15, 2020 4:55 pm
Forum: Investing - Theory, News & General
Topic: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20
Replies: 396
Views: 20805

Re: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20

physixfan wrote: Sun Mar 15, 2020 4:54 pm This is exciting. Imagine what happens if the interest rate is already 0 and there's another 10% drop for SP500 index some day...
?
by wootwoot
Sun Mar 15, 2020 4:43 pm
Forum: Investing - Theory, News & General
Topic: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20
Replies: 396
Views: 20805

Re: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20

Any idea what this will do to existing bond holdings? I am 100% VAIPX as of two months ago and I've nearly lost 6% over the past week. I don't want to sell at a loss but I've never seen such steep drop in a bond fund. Thanks The principal value of bonds will go up, and yields will go down. Go bonds...
by wootwoot
Thu Mar 12, 2020 2:25 pm
Forum: Investing - Theory, News & General
Topic: Time to sell bond funds and go to a money market fund?
Replies: 11
Views: 1097

Re: Time to sell bond funds and go to a money market fund?

This sounds like a good way to lock in losses. Stay the course.
by wootwoot
Thu Mar 12, 2020 9:14 am
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 47326

Re: 30 year mortgage under 3%

manatee2005 wrote: Thu Mar 12, 2020 12:21 am Lenderfi is alive. Got an email today that I got conditional approval by the underwriter.
When did you apply? Was it after they closed the doors to new applications?
by wootwoot
Wed Mar 11, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1430
Views: 129192

Re: My LenderFi refinance is going well

LenderFi acted on our application about 5 days after I submitted it. It's been almost a week since the last communication and things haven't moved forward (no rate lock). No responses when I've reached out to them. I'll give them a few more days, but I'm starting to feel like we may have to move on...
by wootwoot
Mon Mar 09, 2020 10:55 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 139581

Re: Coronavirus; How has your Life changed?

No changes here. People are irrationally fearful over Corona.
by wootwoot
Mon Mar 09, 2020 9:39 pm
Forum: Personal Investments
Topic: Moving 401k funds to a different broker.
Replies: 10
Views: 478

Re: Moving 401k funds to a different broker.

That's not allowed. You'll need to quit your job to roll it over.
by wootwoot
Thu Mar 05, 2020 1:49 am
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 47326

Re: 30 year mortgage under 3%

Lenderfi back up to 3.25% for a no cost refi as of tonight. I've seen it sitting at 3.125 the last few days. Waiting and watching.