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Re: what should MIL do with "windfall"?

What windfall? If she had downsized appropriately, there'd be a windfall. She has a choice between "way too much house" or way too much house and way too much mortgage. I'm old fashioned and debt phobic, but reasonable people think it's a great idea to not enter retirement with a big, or ...
by batpot
Fri Apr 24, 2015 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: what should MIL do with "windfall"?
Replies: 12
Views: 1133

Re: what should MIL do with "windfall"?

What do you mean "dump it into the new house"? Frivolous upgrades or needed maintenance? Something else? Is she all set for retirement (could be true even if not maxing out ROTH), has a negative net-worth, something in between? Your question is totally lacking in enough detail to answer. ...
by batpot
Fri Apr 24, 2015 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: what should MIL do with "windfall"?
Replies: 12
Views: 1133

what should MIL do with "windfall"?

In short: she bought way too much house, but sold her old one for a good profit. She wants to dump it all into the new house, but I think it can be used way more effectively. She's 59, and plans to continue working until 65. The proceeds from the sale are roughly double her annual take home, and the...
by batpot
Thu Apr 23, 2015 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: what should MIL do with "windfall"?
Replies: 12
Views: 1133

Re: Alliant Credit Union Promo $50 Checking/$100 Auto Loan

I've never seen any bank or credit union auto loan rates beat the incentive offers from dealerships (e.g. 0-1%); $100 isn't worth it.

And Chase has been offering $150 for checking accounts for a while, and there's ways to get even more:
http://www.hustlermoneyblog.com/chase-coupons/
by batpot
Thu Apr 23, 2015 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union Promo $50 Checking/$100 Auto Loan
Replies: 4
Views: 390

Re: Inherited farmland: Should we sell or keep?

I kept:
there was a trust, and each of us got own our own piece
a family member farms it, he'd been farming it for years, and had always paid my grandfather rent, so basically the only change to him was who he was paying
it should remain cash positive for the foreseeable future
by batpot
Thu Apr 23, 2015 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited farmland: Should we sell or keep?
Replies: 40
Views: 2767

Re: How much do you pay in Property Taxes?

Seattle, less than 0.8% of appraised value (based on recent refi), but right at 1% of the county's "appraised value" used for taxes.

Have always heard this area is a tax hell, but this thread helps put things in perspective.
by batpot
Thu Apr 23, 2015 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 173
Views: 7551

Re: Your homeowner and auto insurance annual rate increases?

Just switched from AllState, who I've been with for years, to SafeCo. I'm getting more coverage, added an umbrella policy, and still saving a few bucks for 3 cars, home owners, and landlord. Like you, Amica was way higher. They're generally considered the *best* insurance company, though; sometimes ...
by batpot
Thu Apr 23, 2015 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your homeowner and auto insurance annual rate increases?
Replies: 30
Views: 3147

Re: Microsoft's Surface 3- anyone considering?

The bloatware is added by 3rd party vendors; accordingly, the Surface line is free of it.

But this thing is way too expensive for the specs; it's an Atom CPU, not even an i3!

Personally, if it has windows, it needs more power; otherwise, a chromebook will suffice.
by batpot
Wed Apr 08, 2015 7:20 pm
 
Forum: Personal Consumer Issues
Topic: Microsoft's Surface 3- anyone considering?
Replies: 35
Views: 3744

Re: Boglehead Beer

I have a new top 5 beer. It's just phenomenal. Breakside Brewing IPA. Been around a bit, but I had never tried it. On tap in the Couve at Gustav's for $3 for an imperial pint (or something - bigger than a pint). Available in the bottle in WA, OR, and HI, and of course on tap at the brewery on Dekum...
by batpot
Mon Apr 06, 2015 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 512
Views: 76390

Re: The Credit Card Game

Get a 2% card and not worry about it anymore? Black out dates, being restricted to a single airline, and other restrictions don't seem worth the hassle. This is something for the crazy coupon cutter to do in retirement when all of their travel is flexible and they have much free time. This. I dropp...
by batpot
Thu Apr 02, 2015 1:09 pm
 
Forum: Personal Consumer Issues
Topic: The Credit Card Game
Replies: 32
Views: 2965

Re: Whats a good Pistol to buy?

SigPro.
http://www.sigsauer.com/CatalogProductD ... p2022.aspx

I hate Glock ergos, and especially hate their trigger reset; taking them down is no fun either.
They're like the AK-47 of plastic handguns: ugly, but highly functional.
by batpot
Thu Apr 02, 2015 12:54 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 8914

Re: Amazon.com Goes Retro (1999) for April Fool's

Sep 18th, 1999: "Data Structures & Algorithms in Java with CDROM (Mitchell Waite Signature)" ...it's still available:
http://www.amazon.com/gp/product/157169 ... UTF8&psc=1

That class made me NOT become a software developer. :|
by batpot
Thu Apr 02, 2015 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com Goes Retro (1999) for April Fool's
Replies: 18
Views: 2252

Re: Ad Blockers

I use No Script for Firefox, and use that as my primary browser. It allows you to allow certain domains, either permanently or temporarily, but many, many shopping websites have so much crap running behind the scenes that the sites become crippled. Therefore, I also use Chrome, but only for short pe...
by batpot
Mon Mar 30, 2015 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Ad Blockers
Replies: 34
Views: 1820

Re: Best laptop under $1000

Pretty hard to beat this deal: http://slickdeals.net/f/7760329-hp-spectre-x360-touch-laptop-i5-5200u-128gb-ssd-13-3-1080p-800-free-shipping ...emphasis on portability - no DVD drive, but excellent features and build quality. But Broadwell processors are going to be more powerful and power efficient ...
by batpot
Sun Mar 29, 2015 11:03 pm
 
Forum: Personal Consumer Issues
Topic: Best laptop under $1000
Replies: 41
Views: 4352

Re: Opinions on SafeCo?

Both independent broker's I'm now working with have expressed that rates will only go up. I've finally reached the realization that you HAVE to re-check every few years. The really hard decision is whether it's worth paying the premiums for a company with a great reputation like Chubb or Amica. This...
by batpot
Fri Mar 27, 2015 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Opinions on SafeCo?
Replies: 7
Views: 855

Re: The Financial Implications of Moving in Together

When my wife was just "the girlfriend" everything was separate; we figured out her share for the repeating monthly expenses, and she paid me monthly for it. We'd split shared expenses as they came up, such as taking turns paying for groceries or dining out, and didn't worry too much about ...
by batpot
Fri Mar 27, 2015 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3131

Re: The Financial Implications of Moving in Together

Aren't you saving money right off the bat by paying only 1 rent instead of 2? The bigger concern is finding out whether you're truly compatible; there's no better test than living together for a while. Yeah, there's financial implications in there, but that's only a piece of figuring out how to you'...
by batpot
Fri Mar 27, 2015 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3131

Re: Opinions on SafeCo?

I am an insurance lawyer for nearly 30 years. I've seen Safeco be unreasonably stingy for years with no regard for their insureds. Buyer beware is an understatement. The two best companies are Chubb and Amica imo. Of the largest players I'd go with State Farm. USAA is terrible now. Check the class ...
by batpot
Fri Mar 27, 2015 11:24 am
 
Forum: Personal Consumer Issues
Topic: Opinions on SafeCo?
Replies: 7
Views: 855

Re: Anyone has OnePlus One phone purchase invite to share?

I saw a great deal on slickdeals for a LG G3 for $209 on ebay. I think you may have better support with an LG. that would have been the G2, and it actually hit $190 a few days ago: http://slickdeals.net/f/7747445-32gb-lg-g2-5-2-quad-core-android-unlocked-smartphone-190-free-shipping ...I almost pul...
by batpot
Fri Mar 27, 2015 10:52 am
 
Forum: Personal Consumer Issues
Topic: Anyone has OnePlus One phone purchase invite to share?
Replies: 7
Views: 633

Re: Anyone has OnePlus One phone purchase invite to share?

TheGreyingDuke wrote:Not sure if this is still true but as of a few weeks ago they were issuing invites to anyone each Tuesday.


still true as of 2 days ago.
by batpot
Thu Mar 26, 2015 2:25 pm
 
Forum: Personal Consumer Issues
Topic: Anyone has OnePlus One phone purchase invite to share?
Replies: 7
Views: 633

Opinions on SafeCo?

Been with AllState for years, and have done some random shopping around, but nobody has been able to come close to their rates. Met with a local insurance broker, and SafeCo killed the competition. There's a pretty significant discount on their auto insurance if you sign up for AAA, so $57 will save...
by batpot
Thu Mar 26, 2015 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Opinions on SafeCo?
Replies: 7
Views: 855

Re: Worth buying a smart phone if you already have one for w

If you don't need to talk much, get a tablet; you'll quickly appreciate the extra real estate. There are a multitude of budget MVNO carriers nowadays, many cheaper than even Straight Talk, but it sounds like you don't even need a data plan, especially since wifi is almost always available, and if it...
by batpot
Thu Mar 26, 2015 11:42 am
 
Forum: Personal Consumer Issues
Topic: Worth buying a smart phone if you already have one for work?
Replies: 25
Views: 2142

Re: New phone considerations for Consumer Cellular

Lots of phones, lots of choices. I got the 2014 Moto-X and it's been a good phone. I like the size, but the newer one has gotten bigger and not for me. Also, Google sold Motorola to Lenovo and I can't say if the phone is as good as the previous X. I'd check it out though. Do you know whether the 20...
by batpot
Wed Mar 11, 2015 3:38 pm
 
Forum: Personal Consumer Issues
Topic: New phone considerations for Consumer Cellular
Replies: 4
Views: 492

Re: 13 PMI payments in a year?

Thanks.
Yes, I've been watching the escrow account closely, but only for the last couple months. They did some very strange things, but the numbers worked out.
by batpot
Wed Mar 11, 2015 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: 13 PMI payments in a year?
Replies: 3
Views: 551

New phone considerations for Consumer Cellular

The GPS on my Galaxy S4 has crapped out. Shopping for a replacement phone; budget is under $250. Requirements: Rootable Unlocked; want it to work outside of just AT&T Fit easily in my pocket (not hugely bigger than Galaxy S4) 4G LTE Micro-SD expansion is highly preferred Compatibility with Cyano...
by batpot
Wed Mar 11, 2015 12:32 pm
 
Forum: Personal Consumer Issues
Topic: New phone considerations for Consumer Cellular
Replies: 4
Views: 492

Re: Credit Card "Benefits" that really mean something

I've used the price protection feature of my discover card a few times, and it was very easy.
by batpot
Tue Mar 10, 2015 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card "Benefits" that really mean something
Replies: 13
Views: 2239

13 PMI payments in a year?

I closed on a refi in April 2013, but the first payment wasn't due until May 1st. As reported on my 2013 1098, I made 7 PMI payments...one short of the expected 8, counting each month from May to December. My 2014 1098 is reporting 13 PMI payments, which might only make sense if they screwed up and ...
by batpot
Tue Mar 10, 2015 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: 13 PMI payments in a year?
Replies: 3
Views: 551

Re: Proactively replace water heater?

As others have said: assess your risk tolerance. I proactively replaced mine because it did not have a drip pan, it sat inside the house on laminate flooring, I had steel pipes, and the outlet pipe was looking really bad. Cost ~$500 for the tank, and ~$900 for labor, but the high labor was partially...
by batpot
Fri Mar 06, 2015 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Proactively replace water heater?
Replies: 53
Views: 5270

Re: Aruba in April

Our worse vacation. Arubans are not tourist friendly. They shut down on Sundays BTW. Funny, I'd agree with your on the first point, but not the 2nd. I found the people there to be among the most pleasant...but that may have been because we stayed in a condo in Savaneta, and not in the touristy area...
by batpot
Fri Mar 06, 2015 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Aruba in April
Replies: 10
Views: 711

Re: What video games are you currently playing?

Just got Trainyard on the Amazon App Store when it was free a couple days ago.
Beat the primary levels; a few of the bonus ones are tough.

Really wanted to play Bioshock Infinite but afraid of the commitment. Never finished Skyrim.
Will probably go through Portal 2 again next free/crappy weekend.
by batpot
Wed Mar 04, 2015 2:34 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 172
Views: 11121

Re: Has Consumer Cellular Discontinued Roaming?

Their coverage map doesn't seem to have changed; it's still identical w/ AT&T's: https://www.consumercellular.com/Map http://www.att.com/maps/wireless-coverage.html Contrast that w/ AT&T's Go Phone map, which shows no roaming. I guess the only way to know for sure is to travel to one of the ...
by batpot
Wed Mar 04, 2015 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Has Consumer Cellular Discontinued Roaming?
Replies: 24
Views: 2534

Re: Archival CD - MDisc

You need redundancy; M-Disc won't survive a fire.

Get or build a NAS (http://en.wikipedia.org/wiki/Network-attached_storage), configured with redundancy, using something like ZFS or RAID-5, and Cloud the really important stuff.
by batpot
Mon Mar 02, 2015 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Archival CD - MDisc
Replies: 25
Views: 1544

Re: Oil & Vinegar

I've got nothing to contribute, but posting here will make this thread easier to find in the future.
:sharebeer
by batpot
Mon Mar 02, 2015 3:15 pm
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 4280

Re: Consumer Cellular increases Minutes, Texts, & Data

Nice...should provide a good data buffer for us. The new 4gb level might come in handy too!

With our phone numbers on Google Voice and the Hangouts dialer, 250 minutes should be plenty. We've never even come close to 600, so I think we're going to save that $5/mo.
by batpot
Mon Mar 02, 2015 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Consumer Cellular increases Minutes, Texts, & Data
Replies: 14
Views: 969

Re: Free TaxAct software

Ultimate is still $12...includes state
http://www.bogleheads.org/forum/viewtop ... 1&t=157656

I'd be weary of the online site...they could be hacked like turbotax.
by batpot
Tue Feb 10, 2015 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1475

Re: Rent or sell townhome

Monthly mortgage: $1400 HOA:$190/month , additional tax (Mello Roos):$285, property tax: $415 Potential Rent per month: $2200 Are you paying the HOA, or is the tenant? Are the taxes in addition to the mortgage? You have no escrow? What about the cost of the land lord insurance policy? Based on this...
by batpot
Tue Feb 10, 2015 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rent or sell townhome
Replies: 18
Views: 1179

Re: Barclaycard Arrival Plus

The 10% back in used points effectively makes this card earn 2.2% on all purchases.

The Citi Double Cash card unfortunately charges foreign xfer fees.

Capital One has no foreign xfer fees, but won't have chip & pin until later this year: http://www.capitalone.com/credit-cards/chip-cards.
by batpot
Tue Feb 10, 2015 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Barclaycard Arrival Plus
Replies: 23
Views: 2424

Re: Best laptop under $1000

pretty hard to beat this deal: http://slickdeals.net/f/7650082-dell-15-6-touch-laptop-i5-5200u-6gb-ddr3-1080p-1tb-hdd-7-tablet-650-free-shipping You can spend more on an i7 CPU and 8gb or more of RAM, but I doubt you'd even notice a difference. Personally, I'm waiting for the skylake CPUs to start h...
by batpot
Mon Feb 09, 2015 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Best laptop under $1000
Replies: 41
Views: 4352

Re: 1099-R from Mega Backdoor Roth IRA

Exactly the same issue here.
If I'm not mistaken, had 2a been left BLANK, it would be "correct".

I plan to treat it as if it's taxable, and leave it at that.
Get your 5948 handy in case of an audit, though I doubt the IRS would audit you for paying too much? :confused
by batpot
Mon Feb 09, 2015 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1099-R from Mega Backdoor Roth IRA
Replies: 27
Views: 4036

TaxACT Ultimate - $12

Heads up...
http://slickdeals.net/f/7645016-taxact- ... l-state-12

Seems like it's worth it?
by batpot
Fri Feb 06, 2015 6:39 pm
 
Forum: Personal Consumer Issues
Topic: TaxACT Ultimate - $12
Replies: 2
Views: 535

Re: HELP! Mortgage company is denying my PMI termination req

I can't refi: Currently on a 30 year @ 3.25% It's no longer my primary residence Just did a quick look, and it would cost me ~$800 to save ~$20 per month at ~4%/30 years. :| Not to mention my amortization pay down is much better now than if I started over. Of course no call from Fannie Mae today, ei...
by batpot
Fri Jan 30, 2015 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3537

Re: HELP! Mortgage company is denying my PMI termination req

Actually, my original request did state I had achieved 80% LTV from the original appraised value, but did not explicitly cite this particular category of B-8.1-04. Anyway, new letter sent along with original appraisal, current BPO, and a copy of B-8.1-04. In bold font throughout the letter is the ph...
by batpot
Fri Jan 30, 2015 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3537

Re: HELP! Mortgage company is denying my PMI termination req

I called the servicer again today, and just got stone walled. They just kept repeating "no improvements" after putting me on a hold a couple times to confer with their superior. It wasn't until I threatened them with a Fannie Mae mortgage fraud claim that he finally agreed to put me throug...
by batpot
Thu Jan 29, 2015 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3537

Re: Assisted Living Facilities... Weird 'Atmosphere...'

livesoft wrote:But then an evil son-in-law of another diner showed up and the entire crowd turned silent for the rest of the meal.


So OP is evil SIL? :shock:
by batpot
Thu Jan 29, 2015 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Assisted Living Facilities... Weird 'Atmosphere...'
Replies: 34
Views: 4249

Re: HELP! Mortgage company is denying my PMI termination req

Here is the cfpb page on removing PMI http://www.consumerfinance.gov/askcfpb/202/when-can-i-remove-private-mortgage-pmi-insurance-from-my-loan.html . There's a link at the top of the page to submit a complaint. Thanks for the link. Looks like I can do something similar through Fannie Mae's Mortgage...
by batpot
Thu Jan 29, 2015 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3537

Re: Should mom transfer house title before dying or in will?

I hadn't seen it mentioned, so thought I'd offer that your state may offer a beneficiary deed. The cost basis of a beneficiary deed is upon death, and it reduces much of the red tape to take ownership upon your mother's death. I think it also is allows you to avoid estate taxes, should it apply.
by batpot
Thu Jan 29, 2015 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should mom transfer house title before dying or in will?
Replies: 52
Views: 4193

Re: HELP! Mortgage company is denying my PMI termination req

Did you submit your request in writing making it clear that you were asking for cancellation based off the original value? Do you have a copy of that request? Not, it's not clear. And I don't interpret the Fannie Mae rules to say that I have to make the request under one of the categories. Did you ...
by batpot
Thu Jan 29, 2015 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3537

Re: HELP! Mortgage company is denying my PMI termination req

Regardless of the current servicing guidelines, what do your loan documents say? My guess is they follow the guidelines of the Homeowners Protection Act, which states the bank only has to terminate PMI when the LTV reaches 78%. You can request it be dropped at 80% but they aren't legally obligated ...
by batpot
Wed Jan 28, 2015 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3537

Re: HELP! Mortgage company is denying my PMI termination req

They ordered it upon my request to drop but of course I had to pay for it. Using the current value is a different category than the one under whIch I made my request; there are no "seasoning" requirements using the original appraised value...unless I'm misunderstanding/mis-reading somethin...
by batpot
Wed Jan 28, 2015 8:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3537

HELP! Mortgage company is denying my PMI termination request

Original appraised value was $160k in ~April of 2013, and the current BPO came in significantly higher than that. My LTV from the original appraised value has been paid down, and is now 79.8%. Here are Fannie Mae's rules (who backs my mortgage): https://www.fanniemae.com/content/guide/servicing/b/8....
by batpot
Wed Jan 28, 2015 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3537
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