Search found 339 matches

by bbrock
Mon Nov 20, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 146
Views: 23625

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

Going back to what you were talking about letsgobobby, I looked up what consumer reports says discussed about the payload. They rate the Expedition EL with a payload of 1440. Been looking and comparing that to every other large SUV and see that you really can’t get a much higher payload on SUVs. Jus...
by bbrock
Wed Nov 15, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 146
Views: 23625

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

I test drove a 2017 Lincoln Navigator L Select yesterday. Awesome. Great power, plenty 'o room, everything. They didn't have a 2016-2017 Ford Expedition EL to test drive, so driving its twin gives me just as good of an idea. I am set on the Expedition EL Limited, but used of course, which is harder ...
by bbrock
Sun Nov 12, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 146
Views: 23625

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

Yes, I figured it would have to be a liability issue if one is exceeding the vehicle’s limits. When you say indefensible, are you trying to state insurance may not cover liability d/t such a case? That wouldn’t be good. Well, I figure if I’m looking at Sequoia with such horrible gas mileage, I might...
by bbrock
Fri Nov 10, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 146
Views: 23625

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

Let’sgobobby, thank you for delving into this. I never considered any of this and it is clearly pertinent. I just assumed with a more than adequate tow rating on the Sequoia, and hypothetically considering a trailer of 5000 pounds or less, I’d be covered. Just using a Sequoia for example, if I just ...
by bbrock
Fri Nov 10, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 146
Views: 23625

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

Wouldn’t I have to look at the gross combined vehicle weight rating to get the exact number? The Sequoia is rated to tow 7100 pounds, I think I discovered . But it sounds like you’re telling me I need to take away the payload from that tow capacity? That’s not what I thought was necessary. But corre...
by bbrock
Fri Nov 10, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 146
Views: 23625

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

Payload:
2015 F150 2.7L Supercrew 4wd 2250 lb

2013 Toyota Sequoia 4wd Limited 1250 lb
by bbrock
Fri Nov 10, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 146
Views: 23625

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

Snowax, yes, I assume the reliability of the Highlander is bombproof, as is many Toyotas. The Sequoia is also 5/5 per CR re: reliability. My priorities from most important are cargo space, safety, reliability, & fuel economy & towing tied for fourth. Even with such horrible MPG‘s, the Sequoia still ...
by bbrock
Thu Nov 09, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 146
Views: 23625

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

Today, went and test drove a Sequoia and a Highlander again. The Sequoia is awesome. Lot's of power, seating in 3rd row is even comfy for me. The Highlander is nice, but really it is just slightly bigger than my 09 Outback and can tow more. The Highlander 3rd row is not comfortable for an adult; wou...
by bbrock
Tue Oct 31, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 146
Views: 23625

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

Not sure why I didn't get notification of your posts beehave or Bacchus01. Beehave, I thought about minivans, machismo plays a small factor, but more so the limited tow capacity. I think in general 3500 lb is the limit. Someone correct me if I'm wrong. The Sienna is very nice... AWD, etc., but it is...
by bbrock
Mon Oct 02, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 79
Views: 6712

Re: california homeowners - do you have earthquake insurance?

I never knew about the websites temblor.com or that Earthquake Brace & Bolt (EBB) site. Those were good sites to bookmark. For our vaca home, temblor showed a hazard of 76. For our primary home, it shows a hazard of 62. Checked the EBB site and neither zip code are listed; additionally, funding has ...
by bbrock
Sun Oct 01, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 79
Views: 6712

Re: california homeowners - do you have earthquake insurance?

Tx LadyGeek.

I see you posted here nisiprius. I generally heed what nisiprius shares. Good input.

B
by bbrock
Sat Sep 30, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 79
Views: 6712

Earthquake insurance worth it?

[Thread merged into here, see below. --admin LadyGeek] Hi Fellow Bogleheads. Hope this finds y'all doing well. Been thinking again (re-occurs at about this time of year) if earthquake insurance is worth it. We live in CA and our primary home is in the Bay Area (Tri-Valley specifically); vaca home i...
by bbrock
Wed Sep 20, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 146
Views: 23625

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

Oh yeah, I dig that megacab. I never knew of such a thing. Does that give you some good space behind the rear seat? Probably a lot more than a crew cab would.
by bbrock
Wed Sep 20, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 146
Views: 23625

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

Dang, I just looked at some pics on Google right now of that bad boy. Awesome! That's a man's truck. You got a Cummins diesel? What engine do you have? How's the MPG on that? I assume it's only your pleasure vehicle if you have your other two. You going to put a shell on it? If/when I do decide to r...
by bbrock
Wed Sep 20, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 146
Views: 23625

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

Maybe an old thread, but still very much in existence.
by bbrock
Wed Sep 20, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 146
Views: 23625

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

Coffee maker?

Sorry, I just assumed it would have been Tundra or F150. Wow, you went for the real big boy truck. Dang, with that thing you'll never have to worry "Can I tow it?"
by bbrock
Wed Sep 20, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 146
Views: 23625

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

An outboard roll cage? You talking about throwing someone in the pick up bed? A seat protected by a roll cage, that's the way to go. Yeah back in the day I remember riding in them no belt no protection nothing. Crazy
by bbrock
Wed Sep 20, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 146
Views: 23625

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

Great hearing from you Letsgobobby. Yeah what you said is probably true that it doesn't make financial sense to get rid of the Prius. I guess it's more so aspiring for an all electric to get on that bandwagon and stick it to the oil companies. But again, that's satisfying the "want" vs. "need," and ...
by bbrock
Wed Sep 20, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 146
Views: 23625

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

<r>Hi y'all, Letsgobobby. Just following up on my thread.<br/> <br/> So, still have not implemented the other parts of my plan in that we haven't replaced our '09 Subaru Outback with a Sequoia. Our twin boys are 4 and change now, and Outback has about 160k on it. I was thinking about going to 200k i...
by bbrock
Wed Sep 20, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Chipping away at the mortgage
Replies: 48
Views: 9908

Re: Chipping away at the mortgage

So my final input here is that my refi ended up costing me a whole $0.65. Ouch. And that was simply b/c I don't have a brick & mortar bank (I used Ally) and didn't want to pay for $20 for a wire. And, I wouldn't be able to have Ally mail me/escrow comp. a banker's/cashier's check in the timeframe I ...
by bbrock
Wed Aug 23, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Chipping away at the mortgage
Replies: 48
Views: 9908

Re: Chipping away at the mortgage

Thanks for all of the responses/input. I decided to go with a 20 year fixed 3.5%. P&I will be $1522.39, which is not significantly different than our current $1454. The 15 year was at 3.125% fixed with a payment of $1850 if I recall. Both are true no cost through this mortgage broker I'm working wit...
by bbrock
Sat Aug 19, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Chipping away at the mortgage
Replies: 48
Views: 9908

Re: Chipping away at the mortgage

Thanks for the reply. Yes, I have thought about paying off the mortgage completely, but ultimately that does not get much thought. Prior to the purchase, we had actually even considered an all cash purchase, but obviously declined that route. I don't feel as comfortable using our taxable to pay off ...
by bbrock
Sat Aug 19, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Chipping away at the mortgage
Replies: 48
Views: 9908

Re: Chipping away at the mortgage

Following up on my thread. After much analysis, forecasting/projecting, I have determined it is not in my best interest to withdraw the $100k +/- and use to pay down our mortgage. I'm going to keep it in our VCADX. Besides already having the emergency reserves set aside, it will serve as a further r...
by bbrock
Wed Aug 02, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Chipping away at the mortgage
Replies: 48
Views: 9908

Re: Chipping away at the mortgage

Sorry about the delay in responding. Thanks for all the recent posts and feedback. Jimb, thanks for all thorough analysis that I couldn't even begin to duplicate. It's greatly appreciated. I also enjoy the feeling of being debt free. That is why I/we prioritized paying off all of my wife's student l...
by bbrock
Wed Jul 26, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Chipping away at the mortgage
Replies: 48
Views: 9908

Re: Chipping away at the mortgage

After reviewing your figures more jimb, it appears the different best case scenarios involving making a lump sum $100k payment and continuing to pay the same rate vs. no-cost vs. roll-in the costs vs. paying them upfront, that the difference in interest paid is ~$25.5k, ~$19k, ~$19k, or ~$21k, respe...
by bbrock
Tue Jul 25, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Chipping away at the mortgage
Replies: 48
Views: 9908

Re: Chipping away at the mortgage

jimb, I can't say thank you enough for that analysis of the different mortgage options. I definitely appreciate that you have shown the figures in the different scenarios. Thank you. After maxing out all retirement accounts, having sufficient ER, I believe that given the low savings rates and not be...
by bbrock
Sat Jul 22, 2017 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Chipping away at the mortgage
Replies: 48
Views: 9908

Re: Chipping away at the mortgage

Tx for the helpful feedback all. Grabiner, raladic, stevieg72, etc., I thank you for all your input. jimb thanks for that illustrative example w/ your math. I will definitely need to re-read what you wrote a couple or times to make sure I understand all the figures. I understand your point and do ap...
by bbrock
Fri Jul 21, 2017 2:29 am
Forum: Personal Finance (Not Investing)
Topic: Chipping away at the mortgage
Replies: 48
Views: 9908

Re: Chipping away at the mortgage

Thanks for all the replies/input. Sunny_socal, I didn't think there is anything such as a true "no-cost" refi. Sure, I could get one with no point fees, but I will always have to still pay the appraisal, processing, origination, or any other baloney fees. So, there is always some fee. Nothing is fre...
by bbrock
Thu Jul 20, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Chipping away at the mortgage
Replies: 48
Views: 9908

Re: Chipping away at the mortgage

Because I don't think it is worth paying all of the costs to refi to a 15 yr for the amount of time I would have the loan. If I make a $104,000 payment, and continue to make the $800 monthly payments, my mortgage would be paid off in a little more than 10 years (and that's from the beginning of the ...
by bbrock
Thu Jul 20, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Chipping away at the mortgage
Replies: 48
Views: 9908

Chipping away at the mortgage

Hi Bogleheads, Got a ? r/t paying down the mortgage. We have a 30 yr fixed 4.125% mortgage w/ current balance approx $265,256. Mo. payments are $1,453.95 and we pay an additional $800/mo. I think our 1st loan payment was 2/1/14. We have been making the $800 extra payments since 1/1/16. Our portfolio...
by bbrock
Sat Feb 11, 2017 6:47 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 262
Views: 37227

Re: TLH for absolute dummies [Tax Loss Harvesting]

If you harvest a loss from A to similar-but-not-substantially-identical B, then it is possible, perhaps even likely, that you are underweight in the asset class X that A and B represent. If you need more X, then for the next 31 days (counting the day of sale), limit your purchases of X to Fund B (o...
by bbrock
Wed Feb 08, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 262
Views: 37227

Re: TLH for absolute dummies [Tax Loss Harvesting]

+1 with regards to what House blend stated. Unfortunately, I still have to maintain a spreadsheet for all my old lots. It sure is nice to be able to see my basis on new lots at Vanguard.
by bbrock
Wed Feb 01, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in Taxable Accounts
Replies: 20
Views: 5505

Re: Rebalancing in Taxable Accounts

Tx Livesoft. Was trying to see if there was something I was missing. Trying to catch up on some books. In Bernstein's "Investor's Manifesto," he discusses that in a taxable portfolio, the cap gains taxes that are realized to rebalance exceed the excess returns. And from a returns perspecti...
by bbrock
Wed Feb 01, 2017 1:40 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in Taxable Accounts
Replies: 20
Views: 5505

Re: Rebalancing in Taxable Accounts

What I mean by "equity heavy" is when my taxable accounts have more equity exposure than the total portfolio does. I like to keep my taxable accounts a little safer than my retirement accounts because any short term needs would be paid from the taxable accounts. So, if I have an overall A...
by bbrock
Wed Jun 15, 2016 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Costco and AMEX
Replies: 69
Views: 21437

Re: Costco and AMEX

Thanks for the heads up on that Amazon Visa. I never thought about that. We do most of our purchasing from Costco and Amazon. We have a Costco AMEX which will convert to a Costco visa, and also an AMEX blue cash. I also have a Wells Fargo rewards which is just a 1% cashback. Was thinking about apply...
by bbrock
Fri Apr 22, 2016 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401(k)s/ROTH IRAs, but should we also consider 457?
Replies: 23
Views: 2172

Re: Max 401(k)s/ROTH IRAs, but should we also consider 457?

Retiredjg, we would just do the Roth 457 to Roth IRA. The most straightforward, and like you stated, if there's no downside then that works. I think now it's become just the dilemma of deciding whether or not to contribute taxable versus Roth 457. Since they're both after-tax contributions, the latt...
by bbrock
Fri Apr 22, 2016 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401(k)s/ROTH IRAs, but should we also consider 457?
Replies: 23
Views: 2172

Re: Max 401(k)s/ROTH IRAs, should we also consider 457?

Tx for those last few posts. I read this regarding the 457 options of moving/rolling over funds (m) You may move (rollover) a percentage or dollar amount of your 457 Plan to an employer's plan or IRA. Your funds will become subject to the rules that apply to that Plan. I assume this would apply to e...
by bbrock
Tue Apr 19, 2016 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401(k)s/ROTH IRAs, but should we also consider 457?
Replies: 23
Views: 2172

Re: Withdraw from taxable account to invest more in non-taxable?

Tx Greg4boat, JW-retired, BL, retiredjg, randomguy, lack_ey, duckie, and all others who have responded thus far. I greatly appreciate it. Regarding governmental vs. non-governmental, I don't know. I would have to read the materials or call. My wife's plan options (traditional or ROTH 401k and 457) a...
by bbrock
Mon Apr 18, 2016 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401(k)s/ROTH IRAs, but should we also consider 457?
Replies: 23
Views: 2172

Re: Withdraw from taxable account to invest more in non-taxable?

With regards to going traditional vs. ROTH, I simply try to have all different types of assets to diversify. I have no idea about our future tax rates. Therefore, I just think it's safe to have the 401k traditional, since we already have ROTH IRAs, and taxable assets as well. Thus, we have multiple ...
by bbrock
Mon Apr 18, 2016 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401(k)s/ROTH IRAs, but should we also consider 457?
Replies: 23
Views: 2172

Re: Withdraw from taxable account to invest more in non-taxable?

Edit:
Just checked. My wife has both traditional and ROTH options for the 401k and 457 plans.
by bbrock
Mon Apr 18, 2016 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401(k)s/ROTH IRAs, but should we also consider 457?
Replies: 23
Views: 2172

Re: Withdraw from taxable account to invest more in non-taxable?

Sorry, my bad. I don't know what I was thinking comparing my after tax return on the mortgage to the average return on VCADX. I forgot it was about considering interest/yield. Tx for that correction Lack_ey. I'll consider the "low hanging fruit" later. Sounds like retiring the mortgage sho...
by bbrock
Mon Apr 18, 2016 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401(k)s/ROTH IRAs, but should we also consider 457?
Replies: 23
Views: 2172

Re: Leverage taxable account to invest more in non-taxable?

Tx for the replies thus far. Sorry for any confusion. Yes, I used leverage in the general sense meaning to "make use of." Sounds like it is a numbers gave regarding tax rates. Save more on taxes now, and pay later. For sake of simplicity (I have not run the numbers nor even would now how t...
by bbrock
Mon Apr 18, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401(k)s/ROTH IRAs, but should we also consider 457?
Replies: 23
Views: 2172

Max 401(k)s/ROTH IRAs, but should we also consider 457?

Edit: Sorry for any confusion, my use of leverage is in the general sense meaning "to make use of." End edit. Good afternoon Bogleheads, Recently, I have been thinking about how my wife and I could invest more. We each max a traditional 401k and ROTH IRA. My wife will have a future pension...
by bbrock
Wed Mar 30, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can't waive fees any longer at Bank of America
Replies: 29
Views: 2209

Re: Can't waive fees any longer at Bank of America

Don't worry azattorney, it's free as they can't contractually change/charge my account until after 5/16. And, if there was a cost, I would tell them to send the bill to you.
by bbrock
Wed Mar 30, 2016 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can't waive fees any longer at Bank of America
Replies: 29
Views: 2209

Re: Can't waive fees any longer at Bank of America

Just researched the Uncle CU vs. Patelco. Patelco CU is the winner. They are less $ for wires and cashier's checks/money orders. They earned my family's business. I'll have BofA cut me a $0.06 cashier's check and deposit that bad boy into a Patelco free checking account.
by bbrock
Wed Mar 30, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can't waive fees any longer at Bank of America
Replies: 29
Views: 2209

Re: Can't waive fees any longer at Bank of America

Good to hear from you Livesoft.

For sake of some simplicity if my wife ever had to get off the ground running, I keep things simple. Ally, Vanguard... works for us. Oh wait, forgot to include $0.06 at BofA, that was the triple play that worked for us.
by bbrock
Wed Mar 30, 2016 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Can't waive fees any longer at Bank of America
Replies: 29
Views: 2209

Re: Can't waive fees any longer at Bank of America

To latest post, yes, I do expect them to serve me whether I had $1mil or my $0.06. It a customer service driven world/industry. If they want my business (again, whether a mil or $0.06) they need to earn it. I've had this account for 25 years, but I guess that doesn't mean anything to BofA. To earlie...
by bbrock
Wed Mar 30, 2016 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Can't waive fees any longer at Bank of America
Replies: 29
Views: 2209

Re: Can't waive fees any longer at Bank of America

I found a Schwab location in Pleasanton, and a Fidelity investment location, if they also offer checking accounts, but in another nearby city. That may work, but that's going to be a backup choice. Still going to search for something more local perhaps credit unions or so.
by bbrock
Wed Mar 30, 2016 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Can't waive fees any longer at Bank of America
Replies: 29
Views: 2209

Re: Can't waive fees any longer at Bank of America

Ooh, that's what I'm talking about. $0. I like that price.

I'll check for a branch. Wherever I find, I will have BofA cut me a check for my hefty $0.06 balance b/c I don't feel comfortable walking around with that much cash. :P
by bbrock
Wed Mar 30, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Can't waive fees any longer at Bank of America
Replies: 29
Views: 2209

Can't waive fees any longer at Bank of America

Hi, I have a BofA Prima checking as my only checking account at a brick and mortar. All my other cash/savings accounts are at Ally. My Prima checking has had a whooping balance of $0.06 for who knows how long. I think my balance peaked a few years back at about $20-40. Anyhow, I don't use this accou...