Search found 154 matches

by MilleniumBuc
Thu Apr 08, 2021 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: New child, dependent care FSA or Child and Dependent Care Credit?
Replies: 6
Views: 524

Re: New child, dependent care FSA or Child and Dependent Care Credit?

I just had a new baby and am trying to figure out if I should utilize the dependent care FSA my employer offers or not use it and take advantage of the Child and Dependent Care Credit or utilize some combination. Before the recent tax changes I think I was better off just using the FSA but now I'm ...
by MilleniumBuc
Thu Apr 01, 2021 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: FSA reimbursement question
Replies: 6
Views: 506

Re: FSA reimbursement question

I started a new job on March 2021 and enrolled for FSA (only one available). At my previous employment, I had HSA (only one available). If I received and paid for medical service in February 2021, can I still submit FSA reimbursement? I can't seem to find an answer online, or I'm just not entering ...
by MilleniumBuc
Thu Mar 25, 2021 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10200
Views: 731867

Re: Refinance Mega Thread

LenderFi 15 year 2.375 69% LTV HCOL No-cost. Last refi I did was about 7 months ago. Is this a good rate at this time. I loved the speed of LenderFi last time. I did a 15 year at 2.5 6-7 months ago on MCOL and about 65% LTV. I did not get a better rate probably because of the low 200s loan amount a...
by MilleniumBuc
Sun Mar 21, 2021 8:54 am
Forum: Personal Consumer Issues
Topic: How to secure a PDF file?
Replies: 23
Views: 2256

Re: How to secure a PDF file?

My concern about tampering with the document is not between my sending it and it being received by the recipient, but with what happens after it is received. If it was to be shared with the wrong person after being received by the recipient, it may be in that persons interest to tamper with it for,...
by MilleniumBuc
Wed Mar 10, 2021 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help with FSA contribution mistake
Replies: 10
Views: 506

Re: Help with FSA contribution mistake

We work from home on alternate days and my mom is helping us during the day, I just found more information that even plan end date is May,31 but last day to spend money is Aug15. In that case if we stick to original plan of sending him back to child care in June we should be able to use existing mo...
by MilleniumBuc
Tue Feb 16, 2021 7:37 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 968268

Re: Favorite Credit Cards

This thus becomes a 1.99% cash back credit card unless you get your cash back in some other form, such as a deposit to your bank account. (You can't actually cash out a single dollar due to minimum redemption requirements, but you get the point.) I've known this forever and never cared enough to li...
by MilleniumBuc
Wed Feb 03, 2021 10:42 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164733

Re: My LenderFi refinance is going well

Pursuing refinance with Lenderfi, concerned about Amrock title agency, way too many complaints, thoughts? https://www.bbb.org/us/mi/detroit/profile/title-agent/amrock-inc-0332-13068170/customer-reviews My refi with Lenderfi was using Amrock, and there was no major issues on my end for closing. Emai...
by MilleniumBuc
Wed Feb 03, 2021 10:37 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164733

Re: My LenderFi refinance is going well

Anybody get a 1098 yet from LenderFi? I refinanced twice in 2020, once with Owning and once with LenderFi. I've received one from Owning but nothing yet from LenderFi. Just got mine on Friday. Would you mind sharing LenderFi's tax identification number and their address on the 1098? I thought I pai...
by MilleniumBuc
Sun Jan 31, 2021 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164733

Re: My LenderFi refinance is going well

jjhk121 wrote: Sun Jan 31, 2021 3:43 pm Anybody get a 1098 yet from LenderFi?

I refinanced twice in 2020, once with Owning and once with LenderFi. I've received one from Owning but nothing yet from LenderFi.
Just got mine on Friday.
by MilleniumBuc
Tue Dec 22, 2020 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164733

Re: My LenderFi refinance is going well

Back in Oct, we re-fi'd with a local lender largely to do with still having a HELOC, and several online lenders not willing to mess with subordination. I'd like to refi soon-ish into the new year, was planning on targeting LenderFi, but had some questions... We want to waive escrow, but I believe L...
by MilleniumBuc
Wed Dec 16, 2020 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Quicken
Replies: 24
Views: 1336

Re: Replacement for Quicken

Same here. Bought the 2 year subscription when it came out on the higher level. Last June I switched down to the basic level and it was just a mess. The basic level only deals with checking/savings and credit card accounts. Can’t create loan accounts or paychecks and those accounts created that way ...
by MilleniumBuc
Thu Dec 03, 2020 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Lender Lock Requirement
Replies: 6
Views: 605

Re: Mortgage Lender Lock Requirement

Does not sound right. Not sure if it’s a state-by-state thing, but at least in Florida our builder was very pushy about their preferred lender, and did warn us that if we chose another lender and they did not meet the date, they had stipulations in the contract that we could lose the house and the d...
by MilleniumBuc
Thu Dec 03, 2020 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10200
Views: 731867

Re: Refinance Mega Thread

Can someone give inputs on if this reasonable deal from "Better" , iam in IL. ? My goal here is to pay off my mortgage sooner and pay less interest overall. My current rate is 3.375% on 30 year fixed Rate:2.375 Payment:$1,682 APR:2.49% Loan Amount:$254,557 Closing Fees:$3843 (orig fees,A:...
by MilleniumBuc
Thu Dec 03, 2020 8:00 am
Forum: Personal Consumer Issues
Topic: XL Bath Sheets or Beach Towels?
Replies: 2
Views: 279

Re: XL Bath Sheets or Beach Towels?

I’ve been very pleased with the Sam’s club in-house brand - Members Mark - for both the XL bath towels (3-4 years) and the beach towels (over 8 years). Previous to that spend $20-30 at Macy’s and $15-20 at Kohl’s for these types of towels, and they didn’t last more than 2-3 years before the ends sta...
by MilleniumBuc
Wed Nov 18, 2020 10:55 pm
Forum: Personal Consumer Issues
Topic: Google Chrome says passwords are compromised
Replies: 38
Views: 3348

Re: Google Chrome says passwords are compromised

Thanks for the post. I just went on chrome and there is a "Safety Check" under settings that will do the check for you, since I had never seen any messages indicating a compromised password. Good thing is that it passed at safe. Bad thing is that I somehow have 489 passwords saved on Chrom...
by MilleniumBuc
Wed Nov 04, 2020 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164733

Re: My LenderFi refinance is going well

I was finally able to register to the new Lenderfi servicing site. I was about to set a payment for next month, but got the following message: "Online payments not allowed: Online Payments not allowed, please call Customer Care to make a payment." But if I go to recurring payment, I can s...
by MilleniumBuc
Wed Nov 04, 2020 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164733

Re: My LenderFi refinance is going well

I was finally able to register to the new Lenderfi servicing site. I was about to set a payment for next month, but got the following message: "Online payments not allowed: Online Payments not allowed, please call Customer Care to make a payment." But if I go to recurring payment, I can se...
by MilleniumBuc
Sat Oct 31, 2020 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage services changed. Now mortgage isn’t showing up on my credit report.
Replies: 8
Views: 714

Re: Mortgage services changed. Now mortgage isn’t showing up on my credit report.

I just did a refi and it didn’t show up on my credit until after the statement that was created after my first payment (statement for payment #2. )
by MilleniumBuc
Fri Oct 30, 2020 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164733

Re: My LenderFi refinance is going well

...but now that I saw many people transferred to Mr Cooper (nation star) from whom I just ran away, I hope I stay with Lenderfi. Mr Cooper was so generous in offering a whole point reduction (4.265 to 3.265) and no cost closing with a 5.18% apr. I just learned that my LenderFi mortgage is being tra...
by MilleniumBuc
Fri Oct 30, 2020 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164733

Re: My LenderFi refinance is going well

Has anyone who closed a few months or so ago have their mortgage continue to be service by lenderfi? I emailed a rep who contacted me about my upcoming payment. she responded by saying "we will be servicing your loan" after I asked if there are plans of selling it. I have, and it was at L...
by MilleniumBuc
Fri Oct 23, 2020 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Progessive Insurance
Replies: 10
Views: 998

Re: Progessive Insurance

I’ve had progressive for over 10 years and their new policy documentation has been like clockwork. My renewals are 3/15 and 9/15 and the policy renewal documents show up online the month before, usually the 10-12 of the previous month.
by MilleniumBuc
Mon Sep 21, 2020 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164733

Re: My LenderFi refinance is going well

I closed my loan 3 weeks ago. And, no word from servicing on how to pay my mortgage payments. My payment is due Oct 1. Tried calling "Diego Alvarado" from whom I got last email 3 weeks ago saying : We will send you temporary coupons with the address and instructions on how to make your fi...
by MilleniumBuc
Tue Sep 08, 2020 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA/MiL
Replies: 3
Views: 367

Re: Dependent Care FSA/MiL

That should be a simple question, but it's not. Sigh. If she provides the care in your home, she may be considered a household employee and subject to a lot of paperwork. But if she provides the care at her own home, then you still have to determine according to the IRS rules whether she's an indep...
by MilleniumBuc
Thu Sep 03, 2020 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: BCBS or GEHA?
Replies: 78
Views: 5068

Re: BCBS or GEHA?

10 years of BCBS federal and never had a major issue. Only 1 event where they refused to pay and put on the EOB that the Hospital needed to submit a specific paper and the Hospital was calling us to shame us into “you are ultimately responsible “. But the rejection was valid because the Hospital “ch...
by MilleniumBuc
Thu Sep 03, 2020 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 968268

Re: What's Your Credit Card Rewards Strategy?

I dislike any "points" type card and will only do cash back. I know the value of cash but as we have learned during the pandemic, points values can be very fickle. I have a 2.5% cash back card which pays 2.5% on every purchase made regardless of where or what. I pay it off every month and...
by MilleniumBuc
Fri Aug 28, 2020 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164733

Re: My LenderFi refinance is going well

Another data point (almost complete): 8/03 - applied through backdoor link, near midnight. Hi! Can you tell me where the backdoor link is? I did a search for LenderFi but as expected a bunch of threads came up. Thank you! https://app.lenderfi.com/app/signup/partner/C8AX0T65 I just copied that from ...
by MilleniumBuc
Wed Aug 26, 2020 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10200
Views: 731867

Re: Refinance Mega Thread

So I finally received a "loan estimate" from Loan Cabin. It's marked Draft. And includes about $2500 in prepaid property tax - but is marked no escrow? Can someone explain why tax would be prepaid if there is no escrow? It also looks like $1300 in "closing cost financed." I'm as...
by MilleniumBuc
Wed Aug 26, 2020 9:35 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164733

Re: My LenderFi refinance is going well

Another data point (almost complete): 8/03 - applied through backdoor link, near midnight. 8/04 - called by Lenderfi at 11 am, quick “what do you have and this is a good offer, better than the rates last night. Will you close with us if we do this?” Type of call. I said yes and he sent the paperwork...
by MilleniumBuc
Tue Aug 25, 2020 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164733

Re: My LenderFi refinance is going well

Aug 3 applicant here (back door) and got my final closing disclosure documents on 8/20 with a closing date of 8/24 (today) but never heard from them or Amrock regarding closing. It’s a little too rushed for me and sometimes you are not sure who is running point, but at the end of the day, the will ...
by MilleniumBuc
Mon Aug 24, 2020 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164733

Re: My LenderFi refinance is going well

Thanks for the clarification. So you applied prior to July 9th and didn't close yet??? We applied Aug. 7 and the banner was not present at that time. I saw it at some point prior to our app date and it came back not too long afterwards. I guess there was a window when they were accepting new apps. ...
by MilleniumBuc
Mon Aug 24, 2020 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Things that may disqualify your home insurance covg in event of catastrophe Ex fire, flood, Tornado.
Replies: 4
Views: 491

Re: Things that may disqualify your home insurance covg in event of catastrophe Ex fire, flood, Tornado.

In Florida, my insurance has a discount for shutters. I’ve was told by the insurance agent that if a hurricane hits and you don’t have your shutters on, they wind pay for the hurricane damage.
by MilleniumBuc
Sat Aug 22, 2020 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer - advice?
Replies: 17
Views: 1909

Re: Job offer - advice?

Part of getting a new hire is to compensate them enough that the financial aspect is not the first thing in their mind. You don’t want to lose the investment in the new employee by losing them over a few thousand more over the first few years. I would be happy for a prospective employee to tell me t...
by MilleniumBuc
Wed Aug 19, 2020 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164733

Re: My LenderFi refinance is going well

I verbally locked with my loan officer on the 12th. He sent an email requesting documents right after hanging up. I uploaded my documents that same day. It's now been 7 days and I haven't received a locked loan estimate or rate lock disclosure to sign. Is this normal? Mine was the next day after ha...
by MilleniumBuc
Mon Aug 17, 2020 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164733

Re: My LenderFi refinance is going well

Wow. Interesting. I was super prompt and responded to them right away. Not sure what I could have done better. I am real organized and got them everything they asked for within minutes. I don’t want to say much more to identify myself. Glad it went well for so many of you! I know what you mean. I s...
by MilleniumBuc
Mon Aug 17, 2020 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164733

Re: My LenderFi refinance is going well

Wow. Interesting. I was super prompt and responded to them right away. Not sure what I could have done better. I am real organized and got them everything they asked for within minutes. I don’t want to say much more to identify myself. Glad it went well for so many of you! I know what you mean. I s...
by MilleniumBuc
Sun Aug 16, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursed Mileage IRS / Issue
Replies: 21
Views: 788

Re: Reimbursed Mileage IRS / Issue

Maybe it won’t work because of the urgency, but at my company it’s encouraged to do Fedex overnight with early morning delivery to our smaller offices within the state, even one at about 60 miles from us. Check with the client to see if it’s ok to receive all this paperwork by 9 am the next morning,...
by MilleniumBuc
Thu Aug 13, 2020 10:17 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1760
Views: 164733

Re: My LenderFi refinance is going well

Are you supposed to just create an account via the backdoor link and wait for somebody to call you or proceed with providing all the information? Will that be a hard pull? That is what I did on 8/3 around midnight east coast, and received a call the following day at noon, 9 am their time, with an o...
by MilleniumBuc
Thu Aug 13, 2020 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10200
Views: 731867

Re: Refinance Mega Thread

With the free ride over, should I keep my lock with Rocket Mortgage at 1.99% but 9000 in fees and 8000 in prepaid escrows rolled into the loan, with escrow of 6500 from old lender and 2500 Amex credit, with an overall 15 year interest of 39500 and be done with refinance? Or go with Lenderfi locked 2...
by MilleniumBuc
Tue Aug 04, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10200
Views: 731867

Re: Refinance Mega Thread

Thanks to all in this thread for your constant updates. I have finally locked down my rate with Quicken Loans / Rocket Mortgage through the AMEX $2500 offer. I found a buy down rate for me based on all the searching I have done that was too good to play games with. 15 year - 1.99% with 1.875 buy do...
by MilleniumBuc
Sat Jul 25, 2020 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10200
Views: 731867

Re: Refinance Mega Thread

Thanks to all in this thread for your constant updates. I have finally locked down my rate with Quicken Loans / Rocket Mortgage through the AMEX $2500 offer. I found a buy down rate for me based on all the searching I have done that was too good to play games with. 15 year - 1.99% with 1.875 buy dow...
by MilleniumBuc
Sat Jul 18, 2020 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 184
Views: 36981

Re: Best cash-back credit card right now?

I just saw that my local credit union, midflorida is offering 2.5% cash back on their Visa signature card. It used to be a 1.5% cash back. They are expanding and have a foot print from Naples to Gainesville and from Tampa to Orlando. https://www.midflorida.com/loans-and-mortgages/credit-cards/signat...
by MilleniumBuc
Thu Jul 16, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10200
Views: 731867

Re: Refinance Mega Thread

Can anyone give me a sanity check...I'm coming from a 4.5%, but my quotes are coming in higher than what I'm seeing in this thread. All for 30-year fixed, no-cost. LD 3.5% Better 3.625% LenderFi 3.375% Loan of $234K Home Value of $312K, so LTV is 75%. Credit 750+. I've been carrying a CC balance to...
by MilleniumBuc
Tue Jul 14, 2020 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: FSA - Mid Year Open Enrollment & Retroactive 2020 Medical Bills
Replies: 3
Views: 258

Re: FSA - Mid Year Open Enrollment & Retroactive 2020 Medical Bills

Hello Bogleheads, I am hoping you can help me understand how the mechanics of the IRS allowing Mid-Year FSA Changes in 2020. Here is the scenario we are in : - December of 2019 we elected to have $500 withheld for our FSA for 2020. - June of 2020 we had a dental bill of $1,500 - July-Aug 2020 Mid Y...
by MilleniumBuc
Thu Jun 25, 2020 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10200
Views: 731867

Re: Refinance Mega Thread

Just closed today - refinanced to 2.5%, 15 years, conventional loan. Many thanks to Bogleheads for introducing me to Lenderfi. I applied through Lenderfi and was conditionally approved for 2.5%. I then took that rate to my existing lender and asked them to beat it. They were willing to match the ra...
by MilleniumBuc
Tue Jun 16, 2020 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Amended return hasn't been processed in ~2 months.
Replies: 33
Views: 2708

Re: Amended return hasn't been processed in ~2 months.

The other thing to consider is if they will process them by FIFO or LIFO. Depending how things have been stacked at either the post office (not delivered) or at the IRS (received but not sorted), there is a good possibility that the first ones in could be the last ones processed.
by MilleniumBuc
Mon Jun 08, 2020 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Filed paper return in mid March. Still no status
Replies: 48
Views: 4181

Re: Filed paper return in mid March. Still no status

From the IRS: IRS operational status and alternatives If you already have filed via paper but it has not yet been processed, do not file a second tax return or write to the IRS to inquire about the status of your return or your economic impact payment. https://www.irs.gov/newsroom/irs-urges-taxpaye...
by MilleniumBuc
Mon Jun 08, 2020 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Filed paper return in mid March. Still no status
Replies: 48
Views: 4181

Re: Filed paper return in mid March. Still no status

From the IRS: IRS operational status and alternatives Paper Tax Returns: All taxpayers should file electronically through their tax preparer, tax software provider or IRS Free File if possible. The IRS is not currently able to process individual paper tax returns. If you already have filed via paper...
by MilleniumBuc
Thu Jun 04, 2020 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Pros/cons of utilizing mortgage deferral
Replies: 56
Views: 2714

Re: Pros/cons of utilizing mortgage deferral

Here is a con that I read about, that contradicts the no credit report effect. Please ensure with your lender and o would suggest to get it all in writing. Do not go into any forbearance on a mortgage unless it is absolutely necessary. It will hurt your ability to obtain financing (new purchase/refi...
by MilleniumBuc
Thu May 21, 2020 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA - Balance After Leaving Job?
Replies: 9
Views: 688

Re: Dependent Care FSA - Balance After Leaving Job?

Find a kids camp that hasn't cancelled (yet) and is still accepting payment. Pay and file for FSA reimbursement asap... maybe you'll get a refund down the road when they cancel. Or pay the family member who picked up the kids for past service. Don’t think he can do that since it’s not based on paym...
by MilleniumBuc
Thu Apr 30, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 18407

Re: Quitting a job after two weeks: relocation expenses

They hired you as a specialist. When things cannot get done in the timeframe they ask you have to stand your ground and tell them it cannot be done and give them x, y and z reasons. Their delay in getting someone in that position and pushing and placing others in a rush deadline where they expect yo...