Bogleheads.org

charis23

4. At a minimum, buy a portable generator, get the setup installed (manual transfer switch with key circuits, pad and special interlocking plug on outer corner of house) and do a test run. Write down instructions on how to use the set up properly. After reading this and another BH TX thread, I’m go...

charis23

Happy birthday Taylor!

charis23

I checked today and it looks like the Federal forms were updated and it includes the 2nd stimulus check now.

charis23

Will this event be recorded?

charis23

I also buy direct from Apple. If you do, you can also use Rakuten for another 2% cash back. For a $750 phone, that's $15, which isn't too shabby for being so easy.

charis23

I'm a big fan of Cal Newport. He started a podcast called Deep Questions that is really good: https://podcasts.apple.com/us/podcast/d ... 1515786216. I've implemented his idea of time blocking the day and that's helped me tremendously. His book Deep Work is also great.

charis23

I've used this website as a source for long-term car reliability: http://www.dashboard-light.com/. The data comes from 269,338 vehicles sold at auction. If you love data, this site is a treasure trove. According to their data, Toyota is one of the most reliable manufacturers: http://www.dashboard-l...

charis23

I've used this website as a source for long-term car reliability: http://www.dashboard-light.com/. The data comes from 269,338 vehicles sold at auction. If you love data, this site is a treasure trove. According to their data, Toyota is one of the most reliable manufacturers: http://www.dashboard-li...

charis23

Went through another refinance last year with LenderFi to 2.5% on a 30-year. Very painless - it only took 20 days from initial inquiry to loan being funded. Though I think this is the 4th no-cost refinance I've done since 2018 so it's not my first rodeo :wink: 1. 12/9 - initiated 2. 12/10 - locked r...

charis23

BrandonBogle wrote: ↑Thu Dec 10, 2020 12:47 pm To help prove I’m not against the invest vs. down payment, last month I took out $30k at 1.74% on my paid off car and invested it. The risk of losing money in this investment was acceptable to me.

I didn't know this was a thing, though now I know "auto equity loans" are possible.

charis23

Has anyone else heard whether BofA is reducing their preferred rewards program? https://www.doctorofcredit.com/survey-bank-of-america-might-eliminate-75-platinum-honors-bonus-2-62-5-25-etc/ Quick summary is that BoA sent out a survey asking about potential changes to the Preferred Rewards program, ...

charis23

Has anyone else heard whether BofA is reducing their preferred rewards program? https://www.doctorofcredit.com/survey-bank-of-america-might-eliminate-75-platinum-honors-bonus-2-62-5-25-etc/ Quick summary is that BoA sent out a survey asking about potential changes to the Preferred Rewards program, ...

charis23

Has anyone else heard whether BofA is reducing their preferred rewards program? https://www.doctorofcredit.com/survey-b ... -5-25-etc/

charis23

What I've been able to determine so far: You can earn 8.6% interest on certain types of stablecoin held in a BlockFi account. BlockFi claims that "BlockFi client funds are structured to be at the top of the capital stack, senior to BlockFi equity and BlockFi employee capital," so "Bl...

charis23

Switching on desktop software after years of online prep at taxact ( they keep raising prices :( ) Bought this download deal at Newegg. Downloaded the dmg file (installer) 1. How does the software activation work? 1.a Does it use the product key in the email ? 2. Can i install this in multiple comp...

charis23

Decided to pull the trigger on the Newegg $22.50 deal. Felt like it wasn't worth it to keep checking / waiting to save a few more dollars

charis23

I own a Schwab Target 2055 Index Fund in my 401k since it's held at Schwab. It costs $50 to trade any other index funds. Was recently looking at the prospectus and noticed SWYJX only has $140M in net assets. Is this a reason to be concerned? https://www.schwabfunds.com/products/swyjx Not really. I ...

charis23

I own a Schwab Target 2055 Index Fund in my 401k since it's held at Schwab. It costs $50 to trade any other index funds. Was recently looking at the prospectus and noticed SWYJX only has $140M in net assets. Is this a reason to be concerned?

https://www.schwabfunds.com/products/swyjx

charis23

Kind of in the same boat as OP. Not in market for a car but saw that there are a bunch of incentives on a new 2020 Leaf. The math: $31,600 - MSRP -7,500 - federal tax credit -2,000 - CA clean vehicle (https://cleanvehiclerebate.org/eng/eligible-vehicles) -1,000 - Clean Fuel Reward (https://evrebate...

charis23

Around 2001, back when I was still a genius investor, I had two large positions (large for me). One was American Tower, the other was Level 3. I had 15,000 shares of AMT at around $2 each, they are a wireless tower owner. Level 3 was a backbone communications company, wanting to be the carrier's ca...

charis23

Thanks for the feedback everyone. I'm now leaning toward not pulling the trigger after I found out the $6,000 incentive can't be stacked with a 0% APR loan. If I want a 0% loan, the incentive is only $2,000. Another reason that is holding me back is lifestyle creep. I think getting a new car after o...

charis23

Kind of in the same boat as OP. Not in market for a car but saw that there are a bunch of incentives on a new 2020 Leaf. The math: $31,600 - MSRP -7,500 - federal tax credit -2,000 - CA clean vehicle (https://cleanvehiclerebate.org/eng/eligible-vehicles) -1,000 - Clean Fuel Reward (https://evrebate...

charis23

Flyer24 wrote: ↑Fri Nov 06, 2020 8:15 am I split your posts from the 2018 thread so the replies can focus on your own scenario. Topic is also located in Personal Consumer Issues.

Thank you!

charis23

Kind of in the same boat as OP. Not in market for a car but saw that there are a bunch of incentives on a new 2020 Leaf. The math: $31,600 - MSRP -7,500 - federal tax credit -2,000 - CA clean vehicle (https://cleanvehiclerebate.org/eng/eligible-vehicles) -1,000 - Clean Fuel Reward (https://evrebate...

charis23

novemberrain wrote: ↑Thu Nov 05, 2020 8:02 pm Depends on your financial situation

Stable financially with an emergency fund. Why should that matter tho?

charis23

Kind of in the same boat as OP. Not in market for a car but saw that there are a bunch of incentives on a new 2020 Leaf. The math: $31,600 - MSRP -7,500 - federal tax credit -2,000 - CA clean vehicle (https://cleanvehiclerebate.org/eng/eligible-vehicles) -1,000 - Clean Fuel Reward (https://evrebates...

charis23

Recently got a 2.75% for a 30year fixed. But need to pay down the balance to get that rate. Would you dip into your emergency fund (e.g. half of it) to get this lower rate? I'm thinking of dipping into it and then slowly building up my emergency fund savings agian. Are you receiving enough lender c...

charis23

Recently got a 2.75% for a 30year fixed. But need to pay down the balance to get that rate. Would you dip into your emergency fund (e.g. half of it) to get this lower rate? I'm thinking of dipping into it and then slowly building up my emergency fund savings agian.

charis23

I don't know that there was a single Aha! moment, but I would say that that I started to experience budding conviction in factors in the early 2000's--which was then nipped in the bud long before it could flower into action. My original idea was to own the whole market, which to me originally meant...

charis23

Thanks for the advice on cash rewards and especially the idea to get multiple (as long as they approve). I get 5x on dining from Citi Prestige so that will stay there, but online shopping category is interesting - I wonder if costco.com counts as warehouse or online shopping. This $2500 limit sucks...

charis23

If you are working from home now because of COVID-19, you should be able to contact your auto insurance company and say you drive a lot less. They will likely reduce your premium. https://consumerfed.org/press_release/social-distancing-and-less-commuting-fewer-drivers-and-miles-driven-fewer-auto-acc...

charis23

My point is: what does it take to perpetually keep the number of cases small? If it’s what’s currently occurring in the US, on a perpetual basis, then the economy cannot survive this. My understanding: 1st wave: virus infects people before quarantine, people are quarantined late, many people become...

charis23

I believe the 6 months time limit applies to the original lender but doesn't apply to other lenders. So yes it is possible to refinance a loan that you just originated. I've heard that the borrower needs to hold the loan for 6 months for the lender to make the commission. Some related articles: http...

charis23

I was looking at the relationship between the 10 year treasury and 30 year rates and came across Len Kiefer's great http://lenkiefer.com/chartbooks/jan2017/mortgage_rate_viewer_jan_2017.html#relationship-between-rates. The data isn't updated. . Looks like the relationship is y = 1.030x + 1.495. So i...

charis23

mister_sparkle wrote: ↑Wed Feb 26, 2020 6:56 pm I have made literally one payment on my 3.625% 30-year mortgage.

Am I insane for even considering a re-fi?

In a similar boat. I did learn that you can't refi with the same lender in the first 6 months but you can with another lender.

charis23

. Fama-French on The Value Premium Value premiums, which we define as value portfolio returns in excess of market portfolio returns, are on average much lower in the second half of the July 1963-June 2019 period. But the high volatility of monthly premiums prevents us from rejecting the hypothesis ...

charis23

Ed_Sandwich wrote: ↑Wed Jan 22, 2020 8:34 am
abyan wrote: ↑Tue Jan 21, 2020 1:30 pm And my closing is done!
How many days between rate lock/document upload/appraisal and closing?

I recently wrapped up closing too. Total of 10 days.

charis23

I'm sorry for your loss LadyGeek.

charis23

This has been such a smooth and easy refi. Compared to my refinance that I did last year with Better.com, LenderFi asked for orders of magnitude less documents and also waived the appraisal. Very happy so far.

charis23

Based on this thread, I applied with LenderFi this morning. Here's what happened: I went through their website at about 9:30 this morning and input some basic information. Name, address, occupation, loan amount, property value, SS#. Their website generated quotes for several loan types (30/25/20/15...

charis23

Did you shop against better.com? They have been pretty good at price beating competition best offer by $1000. One caveat is they only offer it on loan amounts <$500,000. Are there any downsides to refinance a new mortgage (8 months into a 30 year fixed) if I'm bringing no cash to close, there are n...

charis23

Did you shop against better.com? They have been pretty good at price beating competition best offer by $1000. One caveat is they only offer it on loan amounts <$500,000. Are there any downsides to refinance a new mortgage (8 months into a 30 year fixed) if I'm bringing no cash to close, there are n...

charis23

My first time hearing about LenderFi was through this post. Applied recently and was approved for 3.625% with no fees (technically $50 out of pocket) and an appraisal waived. I had no idea that lenders could waive an appraisal.

charis23

1. Who ultimately ended up servicing your loan? 2. What payment methods does the servicer offer? Any issues? Also if you could provide just your general impressions with better.com that would be great. I closed on a refinance with Better.com last year 1. I had a temporary servicer for one month and...

charis23

3563.91

charis23

Hi, are there any Christians or other religious folks that take their faith into account when making investment decisions? I'm a Christian and recently came across the idea of Biblically responsible investing (BRI) and am curious if other believers have considered adjusting their portfolios. For exa...

charis23

I used the IRS' online tax withholding calculator here: https://apps.irs.gov/app/tax-withholding-estimator/

I have a relatively simple case: MFJ, 1 job, will itemize deductions in 2020. I'm confused why the estimator tells me to fill in a number >9,000 in Step 3 and not fill out Step 4b?

charis23

Working data scientist in industry here. I don't have a lot of experience with advising someone so far along in their careers making a switch to data science. Although I have worked with a number of data scientists in the past who come from PhD programs. Most of them, rather than doing a master's in...

charis23

You can certainly refinance to a lower rate for no cost. I just closed on a 30 year 3.875% no cost refinance. I will probably be able to refinance again lower in a month for no cost. Use a broker. Quicken loans is expensive. I did this recently too. Refinanced at 3.875% where they paid me a couple ...

charis23

Charis23 Schwab doesn't really point it out, but once you have enough they put you into different group ( Signature ( unless they've changed it), differentiated into (at that time) Pinnacle and other classes by amount invested.... usually half mil, mil plus, and some class above that (3 or 5 mil?))...

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