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A few weeks back I indicated that it was a good time to refinance because: Rates are historically low, and For refi’s funded on/after December 1, there will be a 0.5% one-time surcharge to refinance which will make refinancing less appealing from that arbitrary date.   Here’s what I ended up doing. I think it … Read more

My senator was among the unmasked buffoons at the September 26 White House super spreader event. Below is the email I sent him. Senator XXXX, I have a good deal of respect for you as a person. I’ve read your book and am generally supportive of your policies. I just read a NYT article in … Read more

I bought our house a little over 4 years ago. At the time of purchase, we got a 15Y loan with a 2.875% interest rate. Given how low the rate was, I didn’t think that refinancing a mortgage refinancing was going to be viable. I was mistaken. There are several great Bogleheads threads on the … Read more

It is pretty widely known that the HSA is the best savings account in the U.S. because contributions, growth, AND withdrawals are tax-free. Contributions are tax free from the following types of taxation: Federal State (unless you live in CA or NJ) Payroll Usually 6.2% Social Security + 1.45% Medicare Investment growth (dividends + capital … Read more

Offer Summary On June 23, I got the following email from BoA offering to give me free money via their Premium Rewards card. I took them up on it. Upon reading more about the offer online, it is apparently not targeted (meaning that all with the card can pursue it, whether you got the email … Read more

It looks like the nation is gearing up to reopen. I remain skeptical it will end well, but we are planning on returning to work/school nonetheless. So are tens of millions of students in the US (excluding the entire state of CA apparently). My university is weeks away from inviting over 25k students back to … Read more