realtor.com has great tool to show mortage trend here
Then there is this nerdwallet refinance calculator can give you precisely what might be your saving etc by entering your current mortgae and projected morgage rate.
from there you can click “Get Started” link at the bottom to see rates offered.
I locked rate at 1.75 with points (APR 2.0) last week. You should check it out and see how much you will be saving!
Make sure to consider:
How long you will be keeping your home etc rather than overall saving for life of the loan.
What is your primary goal (total saving, monthly saving or both)
If you want your terminal prompt to look like this every time you sodo, please continue reading.
note: i did on ubuntu so for other flavor, file path might be slightly different
step 1. download this amazing ascii art text and move to /etc/sudoers.d/sudoers.lecture
Goal based investment strategy (we have sub-account like travel, big-purchase etc)
101 portfolios
offsers Individual and IRA
Smart rebalancing (tax efficient)
What do we use
Robinhood, Acorns and Betterment are the ones we use (addition to TD Ameritrade for legacy reason) but while I was writing this blog, I learned SoFi so just started.
We maxmize 401K - if you can and haven’t done so, you should
We use Robinhood for just have fun - buy individual stock for small amount of money. Moving $50 a month and buy favorite stock here and there. Especially when market is tanked
We use Acorns for money that we don’t even pay attention to. This is the platform that automatically invest your spare change
We use Betterment for everything else. I like this platform because I can trust that when we withdraw money for some big puchases, its tax loss harvesting will minimize our tax responsiblity.
We are keeping TD-Ameritrade cause we don’t want to sell anything to cause tax responsibility and it did the best this year because we bet on Tesla while ago ;)
Lastly, we use Personal Capital to keep track of all the accounts. It is super powerful and easy to use. I said good-bye to mint many years ago
You can view your net worth, cash flow, portfolio balance, debt-paydown up to one year
Retireuemnt tools to guestimate when you can retire and projection of monthly income
and more!
*Tax-loss harvesting: The selling of securities at a loss to offset a capital gains tax liability
**Rebalancing: a process of realigning the weightings of a portfolio of assets.