Search found 574 matches

by wootwoot
Fri Jul 03, 2020 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524325

Re: Refinance Mega Thread

WRT the $100 price match vs $1000 Better price Guarantee, there might be some hope for those using the AMEX campaign : I currently still see a Better.com webpage that is labeled for the American Express exclusive offer that shows the $1000 price guarantee. From the link Amex sent to me in an email ...
by wootwoot
Wed Jul 01, 2020 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524325

Re: Refinance Mega Thread

What does American Express gain by participating in Better/Amex promotion? I already have an Amex card, which I seldom use. For customers like me, they do not seem to gain anything with spending $2500 (or whatever their portion of the $2500 promotion). Does it really matter? Take advantage like eve...
by wootwoot
Wed Jul 01, 2020 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance
Replies: 2
Views: 172

Re: Refinance

Do a quick search and repost this into the refinance mega thread. They will get you up to speed quickly.
by wootwoot
Fri Jun 26, 2020 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524325

Re: Refinance Mega Thread

LenderFi just quoted me 7k to close, they say because I'm in Texas. Seems insane to me, it's for a primary residence 30 year at 2.75. Gonna see what better can do. LoanFlight is offering me 2.75% with only title fees for costs. I am locked at 3% with Better so not sure what my next move is... LoanF...
by wootwoot
Fri Jun 26, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524325

Re: Refinance Mega Thread

LenderFi just quoted me 7k to close, they say because I'm in Texas. Seems insane to me, it's for a primary residence 30 year at 2.75. Gonna see what better can do. LoanFlight is offering me 2.75% with only title fees for costs. I am locked at 3% with Better so not sure what my next move is... LoanF...
by wootwoot
Wed Jun 24, 2020 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Odds we see 30 year mortgages at 2.0%
Replies: 14
Views: 2565

Re: Odds we see 30 year mortgages at 2.0%

1130Super wrote: Wed Jun 24, 2020 7:45 am What would it take for 2.0% 30 year mortgage.
6 months to 1 year.
by wootwoot
Tue Jun 23, 2020 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Got a call from a debt collection agency
Replies: 19
Views: 2376

Re: Got a call from a debt collection agency

Do you see anything out of the ordinary on your credit report?
by wootwoot
Mon Jun 22, 2020 3:22 pm
Forum: Investing - Theory, News & General
Topic: GMO: EM Value returns will exceed US large cap, 15% for 7 consecutive years
Replies: 20
Views: 1678

Re: GMO: EM Value returns will exceed US large cap, 15% for 7 consecutive years

Who is GMO and how good have they been at predicting market behavior in the past?
by wootwoot
Sun Jun 21, 2020 7:31 pm
Forum: Investing - Theory, News & General
Topic: Private Equity Gets a Big Win With U.S. Nod to Tap 401(k) Plans
Replies: 65
Views: 5365

Re: Private Equity Gets a Big Win With U.S. Nod to Tap 401(k) Plans

More choice in a 401k isn't necessarily a bad thing. Having a choice to invest in private equity is much different than being forced into private equity.
by wootwoot
Thu Jun 18, 2020 8:01 pm
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4495

Re: Google...

I’m curious what makes you think Google should appreciate much as well. Becasue their core business is similar to the others. Advertising (search), Video (Youtube flavors), "moon shot projects" (Autonomous cars, VR, wearables, etc.), and Cloud. Advertising has been sucking wind since the lockdowns ...
by wootwoot
Mon Jun 15, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: Not Seeing Big Travel Discounts Yet
Replies: 16
Views: 1123

Re: Not Seeing Big Travel Discounts Yet

I was recently looking at domestic flights and found that they were ~40-50% cheaper on average for my destination. YMMV
by wootwoot
Mon Jun 15, 2020 10:23 am
Forum: Investing - Theory, News & General
Topic: WSJ: 1/3rd of investors over 65 sold ALL their equities between Feb 20-May 15th.
Replies: 81
Views: 8574

Re: WSJ: 1/3rd of investors over 65 sold ALL their equities between Feb 20-May 15th.

firebirdparts wrote: Mon Jun 15, 2020 10:00 am I would say a second takeaway is that if your response to news is “oh how stupid other people are and I am oh-so-smart” then you’re not a very good thinker yourself. Know yourself. Act accordingly.
This.
by wootwoot
Thu Jun 11, 2020 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524325

Re: Refinance Mega Thread

Geez, we closed on 5/23, funded 5/29 through better....... but with the way rates are diving, may be looking to turn around and refinance again lol. In a similar boat here. We haven't received anything in the mail yet with regards to our new loan and how to view it online. I'm waiting for that to c...
by wootwoot
Mon Jun 08, 2020 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Replace vs Repair. Home AC 15 yrs old is low on refrigerant. Home Insurance Policy Wrinkle
Replies: 19
Views: 1735

Re: Replace vs Repair. Home AC 15 yrs old is low on refrigerant. Home Insurance Policy Wrinkle

Let it ride. Don't upgrade until you have to. The savings with a newer AC rarely justify the cost.
by wootwoot
Mon Jun 08, 2020 6:57 pm
Forum: Personal Consumer Issues
Topic: Looking at buying house with in-ground pool. What questions should we ask?
Replies: 62
Views: 3937

Re: Looking at buying house with in-ground pool. What questions should we ask?

Make sure the pool has pebbletec and that the pebbletec is in good shape.
by wootwoot
Wed Jun 03, 2020 12:30 pm
Forum: Investing - Theory, News & General
Topic: William Bernstein: the paradox of wealth
Replies: 136
Views: 29337

Re: William Bernstein: the paradox of wealth

Bernstein sure missed the boat on this one.
by wootwoot
Sun May 31, 2020 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Simple jobs during FATFire?
Replies: 152
Views: 10702

Re: Simple jobs during FATFire?

OP greeter at Walmart or get a job at Home Depot.
by wootwoot
Fri May 29, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524325

Re: Refinance Mega Thread

Just got 2.875 no closing costs on conforming 30 year fixed Mary Wagoner - Sibcy Cline Mortgage - mwagoner@scms-inc.com, was my loan officer and did a great job getting me locked quickly and more importantly effortlessly. They only do business the in ohio/indiana/kentucky tri-state area though. Any...
by wootwoot
Thu May 28, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Employer approval for a side gig
Replies: 43
Views: 2385

Re: Employer approval for a side gig

Don't ask don't tell.
by wootwoot
Wed May 27, 2020 8:30 pm
Forum: Investing - Theory, News & General
Topic: Goldman-Sachs Compares Bitcoin to the Tulip Bubble
Replies: 58
Views: 4003

Re: Goldman-Sachs Compares Bitcoin to the Tulip Bubble

Knowing Goldman they are probably saying this publically while buying bitcoin at the same time. They are well known for taking the other side of the trade.
by wootwoot
Wed May 27, 2020 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524325

Re: Refinance Mega Thread

BrandonBogle wrote: Mon May 25, 2020 8:26 pm
wootwoot wrote: Mon May 25, 2020 7:53 pm How quickly can you refi after closing on a no-cost refi?
If it didn’t include any clawback provisions, a few days.
Within the closing docs where would I locate a clawback provision? I don't see any language that suggests one but I may have missed it in this mountain of paperwork.
by wootwoot
Mon May 25, 2020 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524325

Re: Refinance Mega Thread

How quickly can you refi after closing on a no-cost refi?
by wootwoot
Mon May 25, 2020 9:11 am
Forum: Investing - Theory, News & General
Topic: Will the US become like Japan?
Replies: 68
Views: 5395

Re: Will the US become like Japan?

In a word, no.
by wootwoot
Sun May 24, 2020 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Best credit card perks besides cash/points?
Replies: 19
Views: 1665

Re: Best credit card perks besides cash/points?

Free 2 day shipping with shoprunner if you have an Amex card.
by wootwoot
Sat May 23, 2020 2:39 pm
Forum: Personal Consumer Issues
Topic: Hertz is declaring bankruptcy
Replies: 73
Views: 7938

Re: Hertz is declaring bankruptcy

Sconie wrote: Sat May 23, 2020 9:02 am Hertz filed Chapter 11, to reorganize their finances-----not to liquidate. They will keep operating while the bankruptcy moves through the court system.
Liquidation will come later.
by wootwoot
Fri May 22, 2020 8:49 am
Forum: Personal Consumer Issues
Topic: What kind of sunglasses?
Replies: 107
Views: 6742

Re: What kind of sunglasses?

Ray-Ban
by wootwoot
Sun May 17, 2020 2:17 pm
Forum: Personal Investments
Topic: Should a regular investor pump in more money on ETF during this time?
Replies: 14
Views: 993

Re: Should a regular investor pump in more money on ETF during this time?

If you're trying to time a bear market you should wait a little longer. Spy is only 15% off all time highs.
by wootwoot
Wed May 13, 2020 8:40 pm
Forum: Personal Investments
Topic: Excess money in taxable vs 529?
Replies: 23
Views: 1538

Re: Excess money in taxable vs 529?

529, up to your state's tax break if one is available.
by wootwoot
Wed May 13, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 240
Views: 12375

Re: Dentist charges $10 for PPE

Ridiculous, I'll have to be on-guard with my dentist's office. If rent or taxes for up will they add a surcharge for that too?
by wootwoot
Wed May 13, 2020 9:34 am
Forum: Personal Investments
Topic: Deferring medical expenses to allow HSA investments to compound.
Replies: 9
Views: 469

Re: Deferring medical expenses to allow HSA investments to compound.

Welcome to the forum! It only makes sense to leave money to compound in your HSA if you are maxing out your other retirement accounts. If you have a $1000 medical bill and $1000 in cash, you can take $1000 out of your HSA to pay it and put the $1000 in cash in your Roth IRA if it is not maxed out. ...
by wootwoot
Fri May 08, 2020 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 5162

Re: 529: Your favorite low cost one?

Is there any reason why we just accept that 529s have to suck in terms of limitations and fees that we would not normally accept for other *heavily regulated* investment vehicles like IRAs and 40X? I recognize the state-specific tax benefits of a 529. I realize that the "administrative fees" are le...
by wootwoot
Thu May 07, 2020 2:31 pm
Forum: Investing - Theory, News & General
Topic: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of
Replies: 60
Views: 7993

Re: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of

Do you realize that you can rollover a 401k into an IRA? Only if you separate from service. And of course you have to navigate the administrative hassle and the potential of being out of the market for some time as a lot of plans don't support in-kind transfers. How many people stay with the same e...
by wootwoot
Thu May 07, 2020 12:08 am
Forum: Investing - Theory, News & General
Topic: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of
Replies: 60
Views: 7993

Re: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of

maybe I'm an outlier but the author is correct on all his points. Yes, I get the issue of 'speculative investments', and as a former C-level company officer, I refused to allow speculative investments into our 401k plan. (HR reported to me.) But, as a result, two of our long time engineers, refused...
by wootwoot
Mon May 04, 2020 7:54 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 223
Views: 13918

Re: Is Disney the most tempting value stock?

Xom is the most tempting value stock.
by wootwoot
Mon May 04, 2020 1:44 pm
Forum: Personal Investments
Topic: What would you invest 50K in?
Replies: 25
Views: 2604

Re: What would you invest 50K in?

A food truck.
by wootwoot
Sun May 03, 2020 8:20 pm
Forum: Investing - Theory, News & General
Topic: Do Paradigm Changes Call for Change In Strategies?
Replies: 24
Views: 1581

Re: Do Paradigm Changes Call for Change In Strategies?

Sounds like market timing. Stay the course! You have a good 30+ years until retirement.
by wootwoot
Sat May 02, 2020 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524325

Re: Refinance Mega Thread

I just locked a 30 yr fixed @ 2.875% for $249 in points, no origination fee and waived appraisal. $499k loan with $670k estimated value = 74% LTV. I'll end up paying about $1,200 out of pocket including the title work. I thought I had missed the 2 day period where I could get below 3% back in early...
by wootwoot
Fri May 01, 2020 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7617
Views: 524325

Re: Refinance Mega Thread

I would like to see the rates available to me but it seems like everyone wants you to apply before they tell you their rates, when I know darn well that 98% of places don't have a competitive rate right now. Is there anywhere other than Northpointe that is competitive, and showing their rates for w...
by wootwoot
Fri May 01, 2020 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 5162

Re: 529: Your favorite low cost one?

I moved my 529 money from both Utah and Nevada to California, it’s a slam dunk at this ER difference (0.1% difference over 18 years per kid) and paperwork is as easy as that required for a new savings account for those that like to chase yields However, there are other 529 Plan factors to consider ...
by wootwoot
Thu Apr 30, 2020 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 5162

Re: 529: Your favorite low cost one?

California ScholarShare529 has US Total Stock Market (and US Large Cap) at 0.06% ER all inclusive, I have not found a competitor in that range, would love to hear lowest all-inclusive ER from other plans: https://www.scholarshare529.com/research/fees.shtml +1. Best in the country by far. If not for...
by wootwoot
Thu Apr 30, 2020 10:01 pm
Forum: Investing - Theory, News & General
Topic: The Collapse in Global Inflation Expectations
Replies: 106
Views: 6733

Re: The Collapse in Global Inflation Expectations

Op why do you put so much faith in a forecast? This, like every other forecast or prediction, means very little. Nobody knows the future and every forecast that I've seen gets it wrong, especially over longer timelines. Stay the course and tune out the noise.
by wootwoot
Wed Apr 29, 2020 6:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new forecast from Christine Benz
Replies: 38
Views: 6773

Re: Vanguard's new forecast from Christine Benz

Another day another useless forecast. Stay the course.
by wootwoot
Wed Apr 29, 2020 5:48 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1430
Views: 129192

Re: My LenderFi refinance is going well

Well, before this whole servicing fiasco, I would have recommended LenderFi, but now I can't. I asked a simple question of whether or not I will be charged a late fee if I decide to wait for the online payment portal to be setup, and they will not reply to me. They are way too small to be servicing...
by wootwoot
Fri Apr 24, 2020 9:59 am
Forum: Investing - Theory, News & General
Topic: What does ["falling at an annualized rate of 40%..."] mean?
Replies: 14
Views: 1361

Re: What does ["falling at an annualized rate of 40%..."] mean?

Sensationalism at it's finest. They mean that they expect 2nd quarter GDP to fall 10%.
by wootwoot
Wed Apr 22, 2020 2:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard factor funds performance - Q1 2020
Replies: 151
Views: 6545

Re: Vanguard factor funds performance - Q1 2020

Looks like a good time to buy Vanguard factor funds, they're trading at a discount.