Search found 18 matches

by gxa
Sun Feb 14, 2021 6:36 pm
Forum: Personal Consumer Issues
Topic: Hot Tub
Replies: 40
Views: 6791

Re: Hot Tub

We got our first one last summer and love it. We got a 220V Cal Spa that seats six, and so far no issues at all.
We check chemicals and clean the filter weekly and typically use it 2-3 times a week - however we still are in year one... :D
by gxa
Fri Dec 04, 2020 7:07 am
Forum: Personal Consumer Issues
Topic: Buy a used car or brand new
Replies: 73
Views: 4818

Re: Buy a used car or brand new

Our last two purchases have been a three year old Lexus RX 350 and three year old Mazda6. Both purchased from a dealership and both about 35% off original sticker price. We probably overpaid a little as compared to Craig’s List private seller prices, however an inspection from a reputable, trustwort...
by gxa
Fri Nov 13, 2020 3:45 pm
Forum: Personal Consumer Issues
Topic: Need SAT prep suggestion
Replies: 36
Views: 1919

Re: Need SAT prep suggestion

My daughter is a high school senior with an exceptional SAT score. She primarily used khan academy for review and did some practice tests.
by gxa
Sun Nov 01, 2020 9:20 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank Removed Online Early Withdrawal From No-Penalty CDs
Replies: 142
Views: 13879

Re: Ally Bank Removed Online Early Withdrawal From No-Penalty CDs

Since Ally changed the NP CD early withdrawal process, does anyone have experience with how long it takes after the call for funds to be available in their Ally account savings or checking account? I closed a few NP CDs over the last few months. The accounts were closed while I was on the phone and...
by gxa
Sat Oct 31, 2020 7:28 pm
Forum: US Chapters
Topic: Indiana Bogleheads Chapter Established
Replies: 73
Views: 6083

Re: Indiana Bogleheads Chapter Established

Count me in - I live in Indianapolis.
by gxa
Wed Sep 30, 2020 2:25 pm
Forum: Personal Investments
Topic: International Index in Taxable Account
Replies: 17
Views: 1521

Re: International Index in Taxable Account

I found this recent article to be well written and quite helpful:

https://www.physicianonfire.com/international-stock/
by gxa
Wed Sep 30, 2020 2:25 pm
Forum: Personal Investments
Topic: International Index in Taxable Account
Replies: 17
Views: 1521

Re: International Index in Taxable Account

I found this recent article to be well written and quite helpful:

https://www.physicianonfire.com/international-stock/
by gxa
Sun Sep 13, 2020 7:28 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164732

Re: My LenderFi refinance is going well

We closed a refi with LenderFi in late June. BSI Financial is our servicer. I have mailed them two monthly payments and they have posted without incident. I have not yet tried to set up any payments online.
by gxa
Mon Jun 22, 2020 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10200
Views: 731864

Re: Refinance Mega Thread

We just refinanced with LenderFi. LTV 50%. 2.5% 10-year loan with lender credits offsetting all charges. :D

We did close our HELOC during the process. The gentleman helping us at LenderFi suggested subordinating the HELOC could make things a bit more complicated.
by gxa
Thu Oct 12, 2017 4:43 pm
Forum: Investing - Theory, News & General
Topic: Crowdfunding real estate?
Replies: 26
Views: 5269

Re: Crowdfunding real estate?

I recently had an investment complete a cycle at Realty Mogul. As an equity investor I received approximately 1% return monthly for almost two years and just received all of my principle back. This 12% annual return (albeit taxable) was exactly what was anticipated at the start. :D
by gxa
Sat Aug 26, 2017 12:55 pm
Forum: Personal Investments
Topic: 33 years old, how am I doing ?
Replies: 54
Views: 10509

Re: 33 years old, how am I doing ?

I would definitely try to cut back on your hours. Emergency Medicine has some of the highest burnout rates in the house of medicine. If you are starting to feel this way at 33, you will be miserable in a matter of a few short years. You are on track financially, and I bet work will be more enjoyable...
by gxa
Sun Apr 09, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Malpractice tail
Replies: 9
Views: 2461

Re: Malpractice tail

Your quote seems reasonable. There are two types of policies. An occurrence policy covers you indefinitely after care is provided and no tail is needed. A claims-made policy covers you so long as you hold the policy and thus a tail is required when you leave.
by gxa
Sun Aug 21, 2016 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Sell home and rent?
Replies: 9
Views: 1332

Re: Sell home and rent?

Ignoring what you paid for the home, would you buy it today for $270k, or keep the cash and rent?
by gxa
Tue Jul 05, 2016 2:01 am
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 368
Views: 41780

Re: What kind of car are you driving?

09 Infiniti G37 - 110k with nothing but routine maintenance + wear and tear. It is a blast to drive!
by gxa
Wed Jun 22, 2016 3:53 pm
Forum: Personal Consumer Issues
Topic: Chase Bank Experience
Replies: 11
Views: 1442

Re: Chase Bank Experience

If you're not under 1.99%, refi with PenFed :D I use Chase, for checking and CCs, no loans. Its possible a "secure message" might be easier than calling a CSR. I have been a Chase customer for a while. This year I refinanced my home with them. They were willing to match the best offer I w...
by gxa
Wed Jun 22, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa Online Access
Replies: 30
Views: 9637

Re: Costo Visa Online Access

Personally I had no issues did it yesterday. I went to the link to setup online access, put in required information. It found that I already had a Citibank Credit Card Account and it added the card to the account. Might try a different browser. This was my experience also. Same here. I got on this ...
by gxa
Wed Jun 22, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Worth it to refinance 15 year fixed 3.125 -> 2.75
Replies: 28
Views: 4059

Re: Worth it to refinance 15 year fixed 3.125 -> 2.75

Go for it! On my last refi, the closing agent came to our home and we closed at our dining table. The most painful part was collecting tax forms/paystubs. Even with your original numbers, you are saving thousands.