Search results

Anyone know where you can get a Medallion Signature Guarantee? My wife wants to purchase some i-bonds and Treasury Direct is requiring her get one from a financial institution. I've called Wells Fargo (our bank) and they no longer offer it. I called other banks and they require she open an...

After 1-year hold, you can redeem as little as $25 at a time. See Treasury Direct for lots of good information:https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iredeem.htm

Unfortunately they can only be purchased at Treasury Direct. The website is clunky and takes some time. Would suggest starting the process if you are interested. See the link I included on original post

I'd actually suggest its better to purchase now than waiting until November. The hold period is a minimum of 1-year.  Purchasing now gets you 3.54% for the 1st six months then you get the 7.12% for the next six months. If you wait, you'll get 7.12% the first six months, then whatever the next...

Thanks for the correction. Thankfully they don't need to be held to maturity. Can be redeemed anytime after one year.

Yup, just got off the phone with them. TOU-D-PRIME has 40c daily charge vs 3c for TOU-D-4-9 and no baseline credit. The daily charge adds an additional $135 a year, before even including the credit. Looks like Domestic plan is best for me.

You're kind of where I was when I made the move. Your emergency fund seems well funded (like mine was), so a 1-year hold on $10k-$30k (if you're married and have a trust) doesn't seem like a huge risk. What rate are you earning on it?

So does that mean both you guys hold 100% equities in your portfolio? I guess that's a strategy, but it's not without risk. Many people (most?) keep a portion of their long-term portfolio in bonds/fixed income/cash, likely generating less of a return than I Bonds. In those instances, the 1 year...

Earlier this year I was made aware of a great place to store a portion of my unneeded cash. I-Bonds. If you haven't heard or looked into them, I highly recommend doing a little research. This "Manifesto" would be a good...

Anyone else struggling with figuring this out? I was on the legacy TOU-D-B rate which is being discontinued. Got a notice from SCE that says they will default me to the new TOU-D-4-9PM rate unless I opt into some other plan. They provide a table listing the expected costs for each of these plans...

We all know the historical long term growth of the market. This means it's often hitting new all time highs. So trying to time the market this way isn't typically a winning proposition. Last year alone the S&P hit an all time high 33 times. Did you sell down your stocks and move to cash then? Or...

Another Baker Ranch resident here. I commute to Irvine (Jamboree/405 area) and it take me 20-25 minutes each direction. Really not an issue at all. Sometimes I'd actually prefer more time to myself in the car!

Seeking a little help from the group on private driver options. My mother-in-law has cancer and is going through chemo treatments. Her oncologist is at UCLA and she gets treatments once a week.  She is not able to drive herself so my wife and I have been balancing our full time jobs while also...

Anyone got a HELOC recommendation? We had to close ours down to do our last refi as the online lender didn't want the delays from Wells Fargo in subordinating. I've heard great things about Third Federal and their rate is Prime minus 1% which is lowest I've seen. Only problem for me is that they...

Sorry for the delayed response. This loan closed and funded last week. 2.375% 30-year on $711k is a payment of $2,763.32. This cost me nothing. The lender provided me with a credit to cover all closing costs and the appraisal was waived. Interestingly, I just looked up the rate on the same...

Heads up that rates are coming back to the prior lows. If you missed it before, take another look. I closed with Lenderfi in August on a 30-yr at 2.75% for zero cost (credit to cover closing fees). They ask you to hold the loan for six months but offer a no cost redo if rates are 0.25% or more...

I used to think it didn't matter, but there are a couple of things about the servicer that could have an impact. 1) If you have an escrow account for taxes, you are relying on them to make the payments on time. I've heard stories about people getting penalties because the servicer missed the...

Congrats on that deal. You got an 1/8 better than me! Agree on everything you said. Not the most proactive lender in terms of providing updates or providing a slick interface, but definitely offered great rate and follow-up on any questions.

Show started after 8pm so had cooled down by then. No fumes for me anyway....I've got an EV and AC was running fine ;)

The wife and I gave this a whirl last Saturday for Jurassic Park. Agree we could have watched in the comfort of our home for much cheaper, but we spend so much damn time at home these days it was nice to get out and away from the kids. The ticket came with a $20 Spectrum gift card that had no...