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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: 596

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: 2844

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: 2844

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: 2844

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: 28
Views: 3295

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: 336

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: 9
Views: 984

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: 599

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: 1623

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: 228
Views: 40584

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: 4005

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: 1432

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: 228
Views: 40584

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: 474
Views: 66728

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: 63
Views: 4270

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: 1085

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: 474
Views: 66728

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: 630

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: 6309

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: 1178

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: 31
Views: 1354

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: 31
Views: 1354

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: 454

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: 606

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: 1774

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: 454

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: 7524

Re: Sellers Won't Fix Leaking Roof; Fear of Additional Damag

Coworker recently went through this on a long-standing foreclosure. The house needed a new roof; there were massive leaks and water damage. His first lender initially said financing would be no problem, but when it came to underwriting, couldn't complete the deal due to the leaky roof. This left him...
by batpot
Thu Jan 15, 2015 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Sellers Won't Fix Leaking Roof; Fear of Additional Damage
Replies: 40
Views: 3209

Re: How to speed up Google Nexus 7 (2012)

root it, and install Cyanogenmod.
http://wiki.cyanogenmod.org/w/Grouper_Info
by batpot
Thu Jan 15, 2015 12:19 pm
 
Forum: Personal Consumer Issues
Topic: How to speed up Google Nexus 7 (2012)
Replies: 11
Views: 1138

Re: Another refinance question

Don't focus on the lender credit, focus on total costs, some companies give lender credits and pad with junk fees. How long do you plan on staying? Do you have any liquid funds, that you can get rid of the PMI, the best rates come when your LTV is less than 80? Best rates today are closer to 3.43 p...
by batpot
Wed Jan 14, 2015 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another refinance question
Replies: 6
Views: 578

Re: POLL: Homeowners Ins cost $/month per $100k home value?

tibbitts wrote:This is meaningless without considering deductible.

$125k value, about $80/mo, 2% (about $2.6k) deductible.


That seems exceedingly high; are you in a high risk area?

My deductible is $500.
by batpot
Wed Jan 14, 2015 6:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 3132

Re: POLL: Homeowners Ins cost $/month per $100k home value?

My policy doc does as well, and it's below our dwelling insurance level. Don't know anything about some 80% penalty threshold, but if they provide it, I sure wouldn't risk being insured below the replacement cost estimate. The property taxes assess the land as being worth more than the improvements ...
by batpot
Tue Jan 13, 2015 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 3132

Re: POLL: Homeowners Ins cost $/month per $100k home value?

At $11/mo, I'm concerned we don't have enough coverage, because we can't be getting that good of a deal...or are people here over-insured!? :confused Our coverage is broken up by dwelling and personal property. We're covered at 57% of the home value for dwelling, so assuming the worst, we'd have to ...
by batpot
Tue Jan 13, 2015 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 3132

Re: Gains from 1099-R, 401k to Roth Rollover

Ah, thank you. I think I would have to do 2 transactions, but I think I can do them on the same day.
by batpot
Mon Dec 22, 2014 10:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gains from 1099-R, 401k to Roth Rollover
Replies: 10
Views: 1052

Re: Gains from 1099-R, 401k to Roth Rollover

If you have a sub account in your plan to which you can make after tax contributions, most plans allow you to distribute the sub account separately from the rest of the plan. You can roll these funds to a Roth IRA. The gains on your contributions will be taxable when you do this. This is exactly th...
by batpot
Mon Dec 22, 2014 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gains from 1099-R, 401k to Roth Rollover
Replies: 10
Views: 1052

Re: Gains from 1099-R, 401k to Roth Rollover

Our agent stated that the gains are not taxable because it was part of a direct institution to instituition transfer...This is counter to everything I can find on the subject, and worrisome, as 2014 will see significantly higher than $7 in gains.
by batpot
Mon Dec 22, 2014 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gains from 1099-R, 401k to Roth Rollover
Replies: 10
Views: 1052

Re: Performed backdoor Roth and accountant did not file 8606

OP: you just saved us ~$2800! Because of the lack of evidence of the deposit to the tIRA (i.e. the 5498 which tells the whole story), our agent treated the distribution from the tIRA as reported on the 1099-R as income, rather than a conversion. Perhaps, due to the marking of box 7 with code 02, our...
by batpot
Mon Dec 22, 2014 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Performed backdoor Roth and accountant did not file 8606
Replies: 52
Views: 4283

Re: Do I Pay Cash for my home?

Nothing wrong with your plan but have you analyzed what the real cost of the mortgage is versus your best alternative use? I hate debt as well but still have a 15 yr mortgage at 3.25% on my house. In my tax bracket with the interest deduction the cost to me is equivalent to an interest rate of abou...
by batpot
Sun Dec 21, 2014 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I Pay Cash for my home?
Replies: 49
Views: 3959

Re: Gains from 1099-R, 401k to Roth Rollover

greatly appreciate the feedback.
by batpot
Sun Dec 21, 2014 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gains from 1099-R, 401k to Roth Rollover
Replies: 10
Views: 1052

Re: Gaming PC for son, buy or build?

To all people claiming that you'll spend more money building a computer: Can anyone show me a good gaming computer (plays games on 1080p @ 60 fps) that can be found cheaper from a desktop manufacturer (dell, gateway, etc) That Lenovo that Dan23 posted is still available on eBay for $700 (need to br...
by batpot
Sat Dec 20, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Gaming PC for son, buy or build?
Replies: 63
Views: 5003

Re: Gains from 1099-R, 401k to Roth Rollover

Box 2a, "taxable amount" is marked $0, which I think is incorrect per the instructions...it should have been left blank I think? Generally, you must enter the taxable amount in box 2a. However, if you are unable to reasonably obtain the data needed to compute the taxable amount, leave this...
by batpot
Sat Dec 20, 2014 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gains from 1099-R, 401k to Roth Rollover
Replies: 10
Views: 1052

Re: 1 rollover per year?

I'm confused what this applies to, as it states trustee to trustee rollovers are not limited, nor are Roth conversions. What's left?
by batpot
Sat Dec 20, 2014 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1 rollover per year?
Replies: 23
Views: 1719

Gains from 1099-R, 401k to Roth Rollover

In 2013, I made my first post-tax trustee-to-trustee transfer from my 401k to my Roth. As reported on the 1099-R, $817.24 was the gross distribution (box 1), and $810.50 was my employee contribution (box 5). This represents the amount my post-tax contribution earned between when I made it, and withd...
by batpot
Sat Dec 20, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gains from 1099-R, 401k to Roth Rollover
Replies: 10
Views: 1052

Re: Performed backdoor Roth and accountant did not file 8606

This thread prompted me to review our 2013 return, and likewise no 8606s. What is confusing about the vanguard forms is the 1099-r identifies a distribution from the tIRA with a code 2 "early distribution exception applies" in box 7, and there is no identification of the Roth anywhere. Thi...
by batpot
Sat Dec 20, 2014 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Performed backdoor Roth and accountant did not file 8606
Replies: 52
Views: 4283

Re: Gas Prices ($1.99) in North Texas

[OT comments removed by admin LadyGeek]
by batpot
Sat Dec 20, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Gas Prices ($1.99) in North Texas
Replies: 45
Views: 3090

Re: Gaming PC for son, buy or build?

I've built all my rigs over the years, and highly recommend it. In terms of price:quality, I don't think off the shelf can match it, especially for a gaming pc that will need a higher end video card, but don't have data to back that up. I've always found it enjoyable figuring out the price:performan...
by batpot
Sat Dec 20, 2014 6:44 am
 
Forum: Personal Consumer Issues
Topic: Gaming PC for son, buy or build?
Replies: 63
Views: 5003

Re: "Misfortune cookie" home router vulnerability

I didn't say I don't secure it because it's hidden...so it's no less safe.

It's more the annoyance of connecting a new device and seeing 5 networks that I don't care about.
I wish everybody hid them.
by batpot
Fri Dec 19, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: "Misfortune cookie" home router vulnerability
Replies: 8
Views: 1665

Re: "Misfortune cookie" home router vulnerability

just installed a Zyxel I had laying around after my Netgear started getting finicky.

One annoyance I noticed immediately was that it didn't have the option to hide the SSID.

Guess it's time to buy a new one.
by batpot
Fri Dec 19, 2014 1:45 pm
 
Forum: Personal Consumer Issues
Topic: "Misfortune cookie" home router vulnerability
Replies: 8
Views: 1665

Re: Stolen car recovered, need a plan

do you itemize your deductions?
If so: donate it.
by batpot
Fri Dec 19, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Stolen car recovered, need a plan
Replies: 27
Views: 3166

Re: Double Cash Credit Card from CITI

You are right; it's moot.
by batpot
Tue Dec 16, 2014 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Double Cash Credit Card from CITI
Replies: 19
Views: 2631
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