Search found 92 matches

by charis23
Fri Feb 19, 2021 2:20 am
Forum: Personal Consumer Issues
Topic: Any Boglehead Lessons From the Texas Winter Storm?
Replies: 226
Views: 18521

Re: Any Boglehead Lessons From the Texas Winter Storm?

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...
by charis23
Mon Jan 25, 2021 1:32 pm
Forum: US Chapters
Topic: Happy 97th Birthday, Taylor Larimore
Replies: 146
Views: 6358

Re: Happy 97th Birthday, Taylor Larimore

Happy birthday Taylor!
by charis23
Fri Jan 22, 2021 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Recovery Rebate Credit claim for 2nd stimulus checks?
Replies: 28
Views: 1814

Re: H&R Block Recovery Rebate Credit claim for 2nd stimulus checks?

I checked today and it looks like the Federal forms were updated and it includes the 2nd stimulus check now.
by charis23
Thu Jan 21, 2021 12:38 pm
Forum: Personal Consumer Issues
Topic: Purchase Iphone 12- use my carrier? Amazon? Apple?
Replies: 9
Views: 838

Re: Purchase Iphone 12- use my carrier? Amazon? Apple?

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.
by charis23
Fri Jan 15, 2021 1:14 pm
Forum: Personal Consumer Issues
Topic: Any productivity podcast?
Replies: 8
Views: 819

Re: Any productivity podcast?

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.
by charis23
Fri Jan 08, 2021 7:30 pm
Forum: Personal Consumer Issues
Topic: Vehicle quality (the real data, not anecdotes)
Replies: 139
Views: 9222

Re: Vehicle quality (the real data, not anecdotes)

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...
by charis23
Fri Jan 08, 2021 3:19 pm
Forum: Personal Consumer Issues
Topic: Vehicle quality (the real data, not anecdotes)
Replies: 139
Views: 9222

Re: Vehicle quality (the real data, not anecdotes)

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...
by charis23
Tue Jan 05, 2021 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164787

Re: My LenderFi refinance is going well

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...
by charis23
Thu Dec 10, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10201
Views: 732323

Re: Refinance Mega Thread

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.
by charis23
Tue Dec 08, 2020 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 790
Views: 175990

Re: Bank of America/Merrill Edge - Preferred Rewards

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, ...
by charis23
Mon Dec 07, 2020 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 790
Views: 175990

Re: Bank of America/Merrill Edge - Preferred Rewards

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, ...
by charis23
Mon Dec 07, 2020 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 790
Views: 175990

Re: Bank of America/Merrill Edge - Preferred Rewards

Has anyone else heard whether BofA is reducing their preferred rewards program? https://www.doctorofcredit.com/survey-b ... -5-25-etc/
by charis23
Fri Dec 04, 2020 5:31 pm
Forum: Investing - Theory, News & General
Topic: BlockFi Interest Account (8.6% APY) with Stablecoin
Replies: 114
Views: 12766

Re: BlockFi Interest Account (8.6% APY) with Stablecoin

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...
by charis23
Fri Nov 27, 2020 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2020 software offer
Replies: 426
Views: 33390

Re: H&R Block 2020 software offer

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...
by charis23
Fri Nov 27, 2020 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2020 software offer
Replies: 426
Views: 33390

Re: H&R Block 2020 software offer

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 :happy
by charis23
Wed Nov 25, 2020 3:06 pm
Forum: Personal Investments
Topic: Schwab Target Date Index Fund
Replies: 11
Views: 1827

Re: Schwab Target Date Index Fund

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 ...
by charis23
Wed Nov 25, 2020 1:04 pm
Forum: Personal Investments
Topic: Schwab Target Date Index Fund
Replies: 11
Views: 1827

Re: Schwab Target Date Index Fund

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
by charis23
Mon Nov 23, 2020 1:26 pm
Forum: Personal Consumer Issues
Topic: Should I buy new Nissan Leaf?
Replies: 46
Views: 3862

Re: Should I buy new Nissan Leaf?

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...
by charis23
Mon Nov 23, 2020 1:04 pm
Forum: Investing - Theory, News & General
Topic: How do Bogleheads cope with FOMO? [Fear Of Missing Out]
Replies: 256
Views: 15842

Re: Need reassurance - having FOMO

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...
by charis23
Sat Nov 07, 2020 2:07 am
Forum: Personal Consumer Issues
Topic: Should I buy new Nissan Leaf?
Replies: 46
Views: 3862

Re: Should I buy new Nissan Leaf?

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...
by charis23
Fri Nov 06, 2020 12:26 pm
Forum: Personal Consumer Issues
Topic: Should I buy new Nissan Leaf?
Replies: 46
Views: 3862

Re: Should I buy new Nissan Leaf?

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...
by charis23
Fri Nov 06, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: Should I buy new Nissan Leaf?
Replies: 46
Views: 3862

Re: Should I buy new Nissan Leaf?

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!
by charis23
Fri Nov 06, 2020 12:58 am
Forum: Personal Consumer Issues
Topic: Should I buy new Nissan Leaf?
Replies: 46
Views: 3862

Re: Should I buy new Nissan Leaf?

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...
by charis23
Thu Nov 05, 2020 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy new Nissan Leaf?
Replies: 41
Views: 4134

Re: Should I buy new Nissan Leaf?

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?
by charis23
Thu Nov 05, 2020 7:59 pm
Forum: Personal Consumer Issues
Topic: Should I buy new Nissan Leaf?
Replies: 46
Views: 3862

Should I buy new Nissan Leaf?

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...
by charis23
Wed Jul 29, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10201
Views: 732323

Re: Refinance Mega Thread

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...
by charis23
Wed Jul 29, 2020 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10201
Views: 732323

Re: Refinance Mega Thread

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.
by charis23
Tue Apr 28, 2020 12:52 pm
Forum: Investing - Theory, News & General
Topic: The Bottom Line on Factor Investing
Replies: 290
Views: 13527

Re: The Bottom Line on Factor Investing

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...
by charis23
Wed Mar 25, 2020 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 790
Views: 175990

Re: Bank of America/Merrill Edge - Preferred Rewards

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...
by charis23
Wed Mar 25, 2020 12:54 am
Forum: Personal Finance (Not Investing)
Topic: COVID-19 and auto insurance
Replies: 9
Views: 1437

COVID-19 and auto insurance

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...
by charis23
Wed Mar 18, 2020 2:03 am
Forum: Investing - Theory, News & General
Topic: 20% unemployment?
Replies: 88
Views: 6824

Re: 20% unemployment?

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...
by charis23
Thu Mar 05, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to refinance shortly after refinancing?
Replies: 12
Views: 1252

Re: Possible to refinance shortly after refinancing?

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...
by charis23
Tue Mar 03, 2020 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10201
Views: 732323

Re: Refinance Mega Thread

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...
by charis23
Mon Mar 02, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 48290

Re: 30 year mortgage under 3%

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.
by charis23
Fri Jan 31, 2020 12:20 pm
Forum: Investing - Theory, News & General
Topic: The Value Premium - New FF paper
Replies: 264
Views: 15406

Re: The Value Premium - New FF paper

. 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 ...
by charis23
Sat Jan 25, 2020 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164787

Re: My LenderFi refinance is going well

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.
by charis23
Thu Jan 23, 2020 2:19 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 29209

Re: Sad news: LadyGeek's husband has passed

I'm sorry for your loss LadyGeek.
by charis23
Wed Jan 22, 2020 3:07 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164787

Re: My LenderFi refinance is going well

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.
by charis23
Fri Jan 17, 2020 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164787

Re: My LenderFi refinance is going well

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...
by charis23
Fri Jan 17, 2020 4:01 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164787

Re: My LenderFi refinance is going well

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...
by charis23
Fri Jan 17, 2020 2:23 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164787

Re: My LenderFi refinance is going well

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...
by charis23
Thu Jan 16, 2020 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164787

Re: My LenderFi refinance is going well

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.
by charis23
Thu Jan 09, 2020 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: better.com Refinance
Replies: 6
Views: 1754

Re: better.com Refinance

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...
by charis23
Fri Jan 03, 2020 2:19 pm
Forum: Investing - Theory, News & General
Topic: Faith driven investing
Replies: 71
Views: 5135

Faith driven investing

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...
by charis23
Thu Jan 02, 2020 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 W4 Step 3-> Number of dependents
Replies: 16
Views: 1109

Re: 2020 W4 Step 3-> Number of dependents

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?
by charis23
Fri Jun 28, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pursued the wrong career?
Replies: 37
Views: 7512

Re: Pursued the wrong career?

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...
by charis23
Sun Jun 09, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance immediately after new home purchase?
Replies: 24
Views: 2425

Re: Refinance immediately after new home purchase?

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 ...
by charis23
Mon Apr 15, 2019 2:04 pm
Forum: Personal Investments
Topic: Tax Efficient Schwab Bond Fund
Replies: 19
Views: 2768

Re: Tax Efficient Schwab Bond Fund

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?))...