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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: 166
Views: 9596

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: 8
Views: 724

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: 14
Views: 726

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: 50
Views: 3477

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: 870

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: 1301

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: 1120

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: 1833

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: 26
Views: 2257

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: 3654

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: 504

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: 3411

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: 3411

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: 3411

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: 4113

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: 3411

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: 4094

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: 3411

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: 3411

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: 3411

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: 3411

Re: Interview question...salary

Waste another day.
It's good practice for the next one, if nothing else.
You can always say no; if you make a strong impression, maybe they'll counter.
by batpot
Wed Jan 28, 2015 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interview question...salary
Replies: 30
Views: 3662

Re: Is my term life policy quote too high?

I also have a family history, and broker steered me towards Prudential and Voya.

Prudential only looks at deaths before the age of 60, and only asks about immediate family, (siblings and parents).

Rates from other companies were WAY higher due to my family history, so definitely shop around.
by batpot
Mon Jan 26, 2015 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my term life policy quote too high?
Replies: 39
Views: 2510

Re: seiko divers watch

I personally would spend a little more and get sapphire crystal (as opposed to hardlex), but these are phenomenally well reviewed watches.
Are you considering automatic, or quartz?
by batpot
Fri Jan 23, 2015 5:50 pm
 
Forum: Personal Consumer Issues
Topic: seiko divers watch
Replies: 8
Views: 633

Re: Amazon Prime Is $72 Tomorrow

it's $99 normally.
by batpot
Fri Jan 23, 2015 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 2945

Re: Amazon Prime Is $72 Tomorrow

http://www.amazon.com/gp/help/customer/ ... =201118010
Yeah...the one purchase I have was from a 3rd party vendor, so shouldn't qualify.

Nice, no hassle...confirmed right away that I'll be getting a refund.

Thanks for sharing!
:sharebeer
by batpot
Fri Jan 23, 2015 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 2945

Re: Amazon Prime Is $72 Tomorrow

Oof, it just auto-renewed a couple weeks ago at full-price. :oops:
Haven't used it yet, so maybe I can cancel for a refund?
by batpot
Fri Jan 23, 2015 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 2945

Re: How to climb up in a megacorp

Learn and use buzzwords.
by batpot
Fri Jan 23, 2015 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to climb up in a megacorp
Replies: 37
Views: 5118

Re: Prepaying for College Tuition Credits

They've lost much of their luster after multiple years of large tuition hikes. Also, in Washington at least, they can only be purchased by in-state residents, so if you think you're going to be in CA, but aren't living there currently, it might not even be an option, though in-state plans are often ...
by batpot
Fri Jan 23, 2015 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Prepaying for College Tuition Credits
Replies: 3
Views: 353

Re: Refinance motrgage

With those numbers, you should shop around and refinance to 15 year. yes, shop around; given current rates, 3.25 for a 15 year doesn't sound like a great deal, even if if they're paying the 3rd party costs. And run the numbers on the rate for a 15 vs a 30. This one has the ability to add extra pay ...
by batpot
Fri Jan 23, 2015 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance motrgage
Replies: 12
Views: 1323

Re: Best small-ish vehicle to pull trailer

3500 pounds is usually going to be a V6, too, but that 4 banger Subaru seems like great bang for the buck, as most engines that size are closer to 1500.
by batpot
Fri Jan 23, 2015 12:24 am
 
Forum: Personal Consumer Issues
Topic: Best small-ish vehicle to pull trailer
Replies: 6
Views: 653

Re: Credit card FICO, is it a gimmick? EMV+sign, useful?

Just started a refi, and the barclaycard gives us a FICO.

The FICO wasn't anywhere to be seen on the credit pull for the refi. My range from the 3 companies was ~760-790, while my FICO is a little over 800.
Seems like a gimmick to me.
by batpot
Fri Jan 23, 2015 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit card FICO, is it a gimmick? EMV+sign, useful?
Replies: 20
Views: 2455

Re: The Mega Backdoor Roth IRA

A note about watching the 1099-Rs in connection with a mega backdoor Roth IRA conversion. In 2014 I made a rollover of post-tax employee contributions and associated earnings out of my 401(k) into a traditional IRA at Vanguard. I then converted the contribution amount to a Roth IRA at Vanguard and ...
by batpot
Thu Jan 22, 2015 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 240
Views: 49221

Re: What age did you pay off your "forever" home

We hope we're in it now, and after a refi, should have it paid off in about 20 years, at age 55.
by batpot
Thu Jan 22, 2015 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you pay off your "forever" home
Replies: 52
Views: 4180

Re: Would you use MaskMe?

Nope; not worth the hassle.
by batpot
Thu Jan 22, 2015 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you use MaskMe?
Replies: 12
Views: 1612

Re: The Mega Backdoor Roth IRA

A note about watching the 1099-Rs in connection with a mega backdoor Roth IRA conversion. In 2014 I made a rollover of post-tax employee contributions and associated earnings out of my 401(k) into a traditional IRA at Vanguard. I then converted the contribution amount to a Roth IRA at Vanguard and ...
by batpot
Thu Jan 22, 2015 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 240
Views: 49221

Re: Boglehead Beer

My current favorite is Deschutes Fresh Squeezed IPA. They honor the Mosaic and Citra hops. And I can grab a 6 pack while grocery shopping, but it's not the cheapest at $10. Fresh Squeezed is a great IPA and not all that pricey for the style of beer. It's a good recommendation for people who think I...
by batpot
Wed Jan 21, 2015 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 498
Views: 72502

Re: I'm thinking about making very large 529 contributions A

I was waiting for this thread after yesterday's State of the Union. We likely will just continue to invest the regular amount we do every month. Even if a law is actually past they will likely do the usual thing and give a small window for folks to take advantage before they change the rules. So I ...
by batpot
Wed Jan 21, 2015 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 71
Views: 5419

Re: Should I ask for a raise? If so, how?

1. Do you think it is appropriate for me to ask for a raise? Could this have a negative outcome that I should be aware of? Very appropriate; can't think of any negatives. 2. Is there a website for RVUs for physician specialties? Does it include data based on region of practice? No idea 3. In the dat...
by batpot
Wed Jan 21, 2015 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I ask for a raise? If so, how?
Replies: 11
Views: 1120

Re: Boglehead Beer

My current favorite is Deschutes Fresh Squeezed IPA. They honor the Mosaic and Citra hops. And I can grab a 6 pack while grocery shopping, but it's not the cheapest at $10. Also now brewing with some friends; our last batch of "C-Hops" IPA (using Columbus and Citra hops) came in at a whopp...
by batpot
Wed Jan 21, 2015 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 498
Views: 72502

Re: Home-owners insurance - Bundle with auto insurance?

Everytime I have checked, my AllState bundle was unbeatable.
by batpot
Wed Jan 21, 2015 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Home-owners insurance - Bundle with auto insurance?
Replies: 7
Views: 669

Re: Google Chrome: is this a mega security problem?

Go into Settings, Advanced Settings, Powerwash. That will reset the Chromebook to its out of the box status. - Ron That will only work for computers they have access to. And if they have access to it, it's unnecessary anyway; deleting bookmarks and history is easy enough: https://support.google.com...
by batpot
Tue Jan 20, 2015 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 111
Views: 6837

Re: Anyone have experience with "hacker fares"?

I don't understand...don't you always risk this when flying any non-refundable fare? What makes this situation unique? Also, I was under the assumption that the term "hacker fare" was reserved for purchasing a round trip ticket, or a multi-destination ticket, and only using one segment of ...
by batpot
Tue Jan 20, 2015 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have experience with "hacker fares"?
Replies: 4
Views: 1246

Re: Options for calling the U.S. from International ?

If you have a laptop or android tablet/phone, get Google Voice, and it will cost you nothing. 50mbps will be plenty fast. Not True, from their Website: Google Voice is only supported in the United States and a mobile phone with a U.S. number is required in order to use it. Users outside of the U.S....
by batpot
Fri Jan 16, 2015 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Options for calling the U.S. from International ?
Replies: 36
Views: 1914

Re: Options for calling the U.S. from International ?

If you have a laptop or android tablet/phone, get Google Voice, and it will cost you nothing.
50mbps will be plenty fast.
by batpot
Fri Jan 16, 2015 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Options for calling the U.S. from International ?
Replies: 36
Views: 1914

Re: Refinance-Is this a good deal

$4k for title and closing/escrow fees is very high. And you can shop around for title companies. Both First American and Chicago Title offer estimates right on their websites; check for sanity, and if you've bought fairly recently, the company you used for the purchase may offer you a discount, so t...
by batpot
Thu Jan 15, 2015 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance-Is this a good deal
Replies: 7
Views: 461

Re: Water Softner for Single Faucet

Why only one faucet? If you have very hard water and needed a softener I would think you would want the soft water for bathing, washing dishes, laundry, etc. In other words, most water usage locations. Yeah, not to mention the havoc is wreaks on your pipes and faucets. Good to have one for the whol...
by batpot
Thu Jan 15, 2015 6:22 pm
 
Forum: Personal Consumer Issues
Topic: Water Softner for Single Faucet
Replies: 6
Views: 621

Re: Anybody use Google Hangouts on cellphone to make WiFi ca

I've made a few calls using Hangouts for wifi and it generally works fine, but I occasionally experience some quality issues, with the other person complaining they can't hear me. It's far more reliable than either Groove IP or Talkatone used to be, before Google got their act together.
by batpot
Thu Jan 15, 2015 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Anybody use Google Hangouts on cellphone to make WiFi calls?
Replies: 18
Views: 1937

Re: Refinance-Is this a good deal

Are there other lender fees besides the 0.25 points?

And why refi at $184k when all you need is $180k? is that $4k to cover closings costs or lender fees? If so, sounds like points are being "hidden".
See examples here:
http://www.mtgprofessor.com/A%20-%20Poi ... points.htm
by batpot
Thu Jan 15, 2015 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance-Is this a good deal
Replies: 7
Views: 461

Re: This topic is causing stress in marriage we need some he

First of all - the spending is most definitely the problem, I agree getting that under control is clearly step #1. Next, I'm no expert but the money in the retirement account is expected to compound at what, 8% on average? The credit card is currently racking up interest at probably 20%+. Don't for...
by batpot
Thu Jan 15, 2015 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 7620
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