Bogleheads.org

SurfCityBill

whodidntante wrote: ↑ Mon Jan 29, 2018 7:43 pm The livesoft fiscal year ends in September? Automatic extension to FILE, but if you will owe money, that needs to be sent in by normal due date. [OK, you're probably kidding :wink: At 58,000+ posts and counting, livesoft is lucky if he'll get to his ta...

SurfCityBill

I'll bet that dividends are not included in that chart. If so, it's pretty much worthless.

Hard to calculate the value of those dividends when they were in the form of a goat, steins of beer, or bushels of corn.

SurfCityBill

I find the Discover card has the easiest rewards interface, just transfer whatever dollars into your monthly statement. Rather than transfer rewards directly into my Discover statement I exchange them for discounted gift cards on Discover. I was able to get 10% off Lowe's cards effectively saving $...

SurfCityBill

My 7 year old 54" plasma's show a "max" wattage consumption of 465. That is high but I still have to say the picture may not be 4K quality but it's certainly good enough for me. I really don't need to see every pore on the newscasters face.

SurfCityBill

I have had two Panasonic Plasma TV's for 7 years. Both work great. As well as the day I set them up.

SurfCityBill

You are the pawn in a scheme called "Empty Package Scalping / or Brushing". Chances are the people perpetrating this scam don't have anything more than your name and address, but it would be wise to monitor cc accounts nonetheless. Here is a link that explains why you're receiving these empty packag...

SurfCityBill

Been with Schwab since they were the only discount broker available. Used to transact trades via phone, now obviously laptop. I think in 30 years I've been to a Schwab office about 3 times. Not sure why you'd ever need to go. My visits were to sign off actual stock certificates. Recently helped my c...

SurfCityBill

I've used TT on-line version for years except last year I purchased TT CD version from Sam's. Unless I missed something, I was unable to roll all my prior on-line TT data into the CD version. This may apply to all on-line vs CD versions of tax preparer software but it made the process last year a lo...

SurfCityBill

alpenglow wrote: ↑
Wed Nov 22, 2017 1:40 pm
I've sold a number of coins on eBay without a problem.

+1

SurfCityBill

We decided it was an excuse for a party. We held a friends and neighbors mortgage burning party. We got a few of the "your so lucky" comments but about half the people there had paid off mortgages. (We were 55 and we weren't the youngest there with a paid off mortgage.) Are you serious? A mortgage ...

SurfCityBill

Have had a jetted tub for 20 years. Came with the house. Like many others we used it very few times. Sounds like a neat idea but the novelty wears off very fast. Reminds me of the PIP (Picture in Picture) feature I had to have on an older TV. Used it about 3X too.

SurfCityBill

Mike Scott wrote: ↑
Tue Nov 21, 2017 9:34 pm
I have had very good service through penfed.org

+1

SurfCityBill

Bought a Rally electric in an end of season sale at Target in 1989. Blades sharpened periodically. Continues to run find.

SurfCityBill

Thanks for addressing the required liability limits on auto. Thought I'd see what Geico's umbrella rates are and came in much higher than prices I'm seeing in these posts..... $1,000,000 $648 $2,000,000 $1,069 $3,000,000 $1,555 $4,000,000 $2,070 For my quote (your circumstances will be different) h...

SurfCityBill

Probably just a 14' snake, no worries. Can't we all just get along?

SurfCityBill

I can share with you how a "C" can be a concern. Because of the shear number of applicants (83,000 overall in 2016) San Diego State Univ strongly suggests that you do not apply for a Nursing major if you received a "C" in chemistry. It was the only HS class my daughter received less than an "A" or a...

SurfCityBill

We redeem a portion of the accumulated balance for discounted gift cards typically around the holidays.

Also used to buy four $100 gift cards at Lowe's at a 20% discount shortly before making a large purchase.

SurfCityBill

nealc, Based on your comment that moving out of the area is not an option and you plan to stay for 15 years+, then buy. In 1989 I was in much the same position you're in now. My intent was to find a house my family could live in for an extended period of time, 30+ years, if necessary. Using my simpl...

SurfCityBill

by livesoft » Mon Jun 05, 2017 12:12 pm SurfCityBill wrote: As unpleasant as a snap trap is, I'd strongly recommend you do not use poison. They eat it then climb into a wall and die leaving you with a bad smell for several weeks. Dead rats don't smell for several weeks. I'd give them about a week t...

SurfCityBill

As unpleasant as a snap trap is, I'd strongly recommend you do not use poison. They eat it then climb into a wall and die leaving you with a bad smell for several weeks.

SurfCityBill

Teenagers who drive are rolling lawsuit traps. Definitely have umbrella coverage until they are out on their own. I think OP and others should have umbrella insurance regardless of teen drivers. Adults make mistakes when driving too. But OP should be weary of some of the numbers mentioned here like...

SurfCityBill

Thanks for addressing the required liability limits on auto. Thought I'd see what Geico's umbrella rates are and came in much higher than prices I'm seeing in these posts..... $1,000,000 $648 $2,000,000 $1,069 $3,000,000 $1,555 $4,000,000 $2,070 :confused Your figures are meaningless, except for so...

SurfCityBill

Thanks for addressing the required liability limits on auto. Thought I'd see what Geico's umbrella rates are and came in much higher than prices I'm seeing in these posts..... $1,000,000 $648 $2,000,000 $1,069 $3,000,000 $1,555 $4,000,000 $2,070 :confused

SurfCityBill

So in line with this whole discussion....I'm currently carrying high liability limits on auto insurance due to two teenage drivers. Since umbrella policy kicks in after auto insurance limits would it make sense to drop current auto liability to lowest legal level to reduce cost of policy and let the...

SurfCityBill

Luckywon, my circumstances are very similar to yours except no a/c here. Live in SoCal with an average monthly bill of $80. $60+ in winter, $100-120 summer. I've learned to cheat a little on the pool pump. Run it consistently in summer but skimp a little in winter with no water quality issues. Turne...

SurfCityBill

For you umbrella policy owners, would a typical policy cover my non-minor dependent children? (Currently students)

SurfCityBill

Option 2 Both my teens learned to drive in a 2006 Pilot. My daughter still uses it. Rather large and bulky and a challenge to parallel park but if they can master a large vehicle they can handle just about any. My son's Sonata is a go-cart compared to that Pilot. To answer Livesofts comment on why a...

SurfCityBill

Thanks Spirit Rider. After reading Pub 969 and your comments I think I understand. Appreciate your input.

SurfCityBill

Two kids and I contribute $200/month per kid, plus any bonus money I get during profit sharing season. I do this because I fully expect to pay for my kids college. My parents paid for mine and it was solid gold not having loan repayments - I saw a recent FB post from a college classmate celebrating...

SurfCityBill

I left an employer at the end of January. During Jan, I contributed $570 toward an HSA and my company made a one time contribution of $800 for a total of $1,370. I was planning on maxing out the HSA based on a Family Plan +55 catch up for a total of $7,750. My new company does not offer an HSA, so f...

SurfCityBill

I wouldn't exactly call investing in 529's a "no-brainer" because everyones circumstances are different but for me it has been a "no-brainer". I have made modest contributions to 529's for over 15 years and have two kids in college now. My modest contributions have doubled during that time and the b...

SurfCityBill

For high $30's, Chevy Traverse LTZ trim package would seat 7 comfortably and have all the amenities of a $50k SUV.

SurfCityBill

I keep telling myself that I'll never borrow money again, but my last two car purchases were 3 year loans at 0.99%. It's simply a no brainer. Even the dealer was shocked. He was offering 5.05%.

SurfCityBill

PenFed Credit Union offers attractive HEL. 3.74% 5 year if you're 80% or less LTV. My out of pocket 4 years ago was zero. No appraisal, no closing costs. I think I was on the hook for a $10 notary charge.

SurfCityBill

Good question OP. Like you I have been using the on-line version of TurboTax for years and just found a very attractive discount at Sam's Club for a boxed set of Premium Fed & State. While I assume the on-line version performs identically to the installed boxed software, I'm wondering if the boxed s...

SurfCityBill

Usually if I can keep my wife from ordering the $14 martini or similarly ridiculously priced top shelf margarita dinner for two is usually reasonable. When the martini is the cost of the entree you know it's going to be painful. We found a great italian place where you bring your own wine, no corkag...

SurfCityBill

2439.07

SurfCityBill

Look at the app Sideline. Allows you to add a second line to your current phone and chose the number.

SurfCityBill

simple man wrote: ...I am paying about $250/month to have it maintained.... What do they do for $250 a month? That seems insanely high. We live in the Northeast and have an in-ground pool that takes us 20 minute tops a week to maintain. It's literally checking the skimmers once every couple of days...

SurfCityBill

I've run into delayed 1099's with Schwab for years. They will usually send a notice telling you which funds are likely to delay your 1099 and these tend to be international in nature. I don't know if these international firms just don't get around to reconciling their numbers in a timely fashion or ...

SurfCityBill

Wow, I'm blown away with all the anti-California sentiment. I live in So Cal but travel frequently for work. I've been to 40+ states. Love many aspects of most of them and have often thought how my family would adapt to some. Fourth of July at some simple town square in Ruralville or going to a HS ...

SurfCityBill

Wow, I'm blown away with all the anti-California sentiment. I live in So Cal but travel frequently for work. I've been to 40+ states. Love many aspects of most of them and have often thought how my family would adapt to some. Fourth of July at some simple town square in Ruralville or going to a HS f...

SurfCityBill

Stacking Benjamins
Planet Money
Money for the Rest of Us
Star Talk
Freakonomics
Stuff They Don't Want You to Know
Clark Howard
The Way I Heard It - Mike Rowe
The Disciplined Investor
The Truth About Money - Ric Edelman
Revisionist History
Stuff You Missed in History Class
Seven Minute Explainers

SurfCityBill

Recommended, but I never have and my furnace is date coded 1989.

SurfCityBill

If you're choosing a profession that doesn't put a lot of importance on where you received your education (as long as you did so from an accredited institution) than spending extra money doesn't make sense for an Ivy or other "top brand" school. Examples would be nursing, computer science, physical ...

SurfCityBill

I've had flood insurance for the entire time I've been in my home. Almost 20 years. This was a condition of my mortgage whomever the lender was during this time since I live in a "flood zone". Considering this is Southern California and I'm only allowed to water my lawn twice a week I've always hate...

SurfCityBill

If you're willing to cross the Bay, the Hotel Aura in San Bruno was a good choice. New construction. Free parking. SF hotels wanted $60 to park. Close proximity to SF (about 15 minutes). Free breakfast, nothing sensational but included self-made Belgium waffles, yogurts, cereals, muffins, fruit. Gre...

SurfCityBill

I used MINT for awhile.

SurfCityBill

Yes, LED's are getting more efficacious. Meaning the lumens produced per watt is getting better. This is occurring across the board in LED's used residentially to LED's used in commercial and even stadium applications. The pace at which this is happening is very similar to computer chip upgrades in ...

SurfCityBill

First, I'll say for the most part I do like Ric E. Perhaps I don't know enough about him to see some of his conflicts and problems but on the surface I like most of what he says. That being said, I do not agree with him about maintaining a mortgage into retirement unless you have little to no saving...

Search found 395 matches