Search found 433 matches

by SurfCityBill
Fri Nov 02, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Thanksgiving vacation suggestions
Replies: 9
Views: 1230

Re: Thanksgiving vacation suggestions

Catch the Boise State / Utah State game in Boise. Go Broncos.
by SurfCityBill
Fri Nov 02, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Argentina Trip Over Winter Break
Replies: 20
Views: 1642

Re: Argentina Trip Over Winter Break

If you can stop in San Carlos de Bariloche and stay at the Llao Llao en route to Patagonia you won't regret it.
Heading North, after Montevideo, Iguazu Falls is a must, especially for outdoor enthusiasts.
by SurfCityBill
Fri Nov 02, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 66
Views: 4848

Re: Engineering school

Hidden gem slightly outside your geo zone, Clarkson University - Potsdam, NY.
by SurfCityBill
Tue Oct 30, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: why split property tax payment with SALT limit; why itemize?
Replies: 19
Views: 2291

Re: why split property tax payment with SALT limit; why itemize?

I'm in the same boat you are. I see no reason to accelerate the CA prop tax payment due Apr 19 to end Dec 18 anymore. I also do not expect to itemize after doing so for decades.
by SurfCityBill
Tue Oct 30, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Speeding ticket and insurance
Replies: 29
Views: 2254

Re: Speeding ticket and insurance

Received a ticket out of state several years ago. Did traffic school on-line, paid the fine and never saw any increase in my insurance rates.
by SurfCityBill
Tue Oct 30, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Invest or Pay off Car Loan?
Replies: 19
Views: 1437

Re: Invest or Pay off Car Loan?

Personally I'd cringe at a $1261 car payment but if it's all the same to you then take advantage of the 1.99% rate and invest the funds.
by SurfCityBill
Tue Oct 30, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can I deposit cash from selling car into bank account over 10k?
Replies: 21
Views: 2091

Re: Can I deposit cash from selling car into bank account over 10k?

If the buyer is reluctant to go to the bank with you, unwilling to get a cashiers check, or in any other way seems hesitant to cooperate, I'd avoid the transaction.
by SurfCityBill
Wed Aug 08, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Auto Insurance for Out of State College Student
Replies: 7
Views: 555

Re: Auto Insurance for Out of State College Student

If you buy and insure the car in California, are you saying that Geico won't insure it if your daughter is in Idaho with it? She is a resident of California, as she is currently receiving 50% or more support from you. Yes, exactly. Geico will issue a "copy policy" to mimic my policy but the car mus...
by SurfCityBill
Tue Aug 07, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Auto Insurance for Out of State College Student
Replies: 7
Views: 555

Auto Insurance for Out of State College Student

I've run into an issue that I'm sure many have and I'm hoping there's an easy solution. Currently live in CA. Daughter will be going to college in Idaho and will need a car. Our auto insurer, Geico, was going to write a "copy policy" but advised that if the car is still registered in CA they can't w...
by SurfCityBill
Fri Jul 06, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anthony Bourdain Leaves $1.2M Estate
Replies: 7
Views: 2942

Anthony Bourdain Leaves $1.2M Estate

As a follow up to the Anthony Bourdain tragedy, it is reported that he left an estate worth $1.2 M which included a large percentage in cash, $425,000, $250,000 in personal property, $500,000 in "intangibles" such as royalties and residuals from TV work and books and a paltry sum in brokerage accoun...
by SurfCityBill
Fri Jul 06, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Carpenter Bees- HELP!
Replies: 17
Views: 2195

Re: Carpenter Bees- HELP!

There are a number of home remedies for carpenter bees on YouTube. Can't vouch for how well they work but you may want to search them.
by SurfCityBill
Fri Jul 06, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 162
Views: 14425

Re: What I spent in 6 months on medicare

General thank you to all posters. I'm getting close enough now age-wise that education on these golden year topics, Medicare, SS benefits, etc, is becoming very important. This comparative discussion is extremely valuable to myself and I'm sure many others.

Much appreciated.
by SurfCityBill
Fri Jul 06, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Cane Toad Hell: Any Remedies?
Replies: 21
Views: 1972

Re: Cane Toad Hell: Any Remedies?

One of the all-time classic science documentaries often shown in AP Environmental Science classes is about Cane Toads in Australia. The kids are usually shocked into stunned silence. Here it is https://www.youtube.com/watch?v=6SBLf1tsoaw Well if anyone says Bogleheads.org is strictly a "financial" ...
by SurfCityBill
Thu Jul 05, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 8734

Re: Tipping at non sit down places

If it’s real food, I’ll tip $1 at lunch, maybe more like 10% for dinner. I also tip ~10% when we get takeout at sit-down restaurants. For comparison, we tip ~20% for normal dining. I value servers and restaurant staff, I want those jobs to pay a living wage, and we can afford to be decent tippers. ...
by SurfCityBill
Thu Jul 05, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4524

Re: Monthly Water Usage

2 pre-teens / 2 adults / 1 pool / Small yard irrigation Dec 2008 23,510 gallons - 3 MO total usage. $56.43 2 teens / 2 adults / 1 pool / Small yard irrigation June 2018 22,843 gallons - 3 MO total usage. $93.77 2 teens (AWAY From Home) / 2 adults / 1 pool / Small yard irrigation Mar 2018 11,755 gal...
by SurfCityBill
Tue Jul 03, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Question for those who used 529 plans
Replies: 49
Views: 3586

Re: Question for those who used 529 plans

Started 529's for 2 children in early 00's. Started with 100% in equity funds since the balances were relatively small and began transitioning to more balance age based accounts. Even with no state tax deduction they have proven to be unqualified winning investments. Tapping both now and about 1/2 t...
by SurfCityBill
Tue Jul 03, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Large ACH from NavyFed to PenFed?
Replies: 19
Views: 1252

Re: Large ACH from NavyFed to PenFed?

Victoria - I don't have an answer to your question but are you aware of the two new regular certificate rates at NFCU that went in effect on July 2nd? Their 12-month is now 2.0% APY and their 18-month is now 2.35% APY. There is an uptick in the 3-year variable rate certificate to 2.57% APY but I am...
by SurfCityBill
Tue Jul 03, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 168
Views: 21059

Re: IRS published draft 2018 1040 - Huge changes made

Oh my, so much new stuff to learn. Methinks this will be a mess for awhile.:happy Tax software will handle this just fine. But you're right in that we can't just update the numbers on this year's form from last year's form. I made a reasonable guess as to my 2018 tax liability a while ago and updat...
by SurfCityBill
Tue Jul 03, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 16420

Re: Retirement Destination - are you happy with your choice?

I'm not retired, but if you are looking for moderate, beautiful weather (for a price :twisted: ) consider the central coast of CA. I've visited friends in the San Luis Obispo area in all four seasons and I'll be damned if the weather wasn't the same each time. We don't have seasons in California. W...
by SurfCityBill
Tue Jul 03, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Large ACH from NavyFed to PenFed?
Replies: 19
Views: 1252

Re: Large ACH from NavyFed to PenFed?

Victoria - I don't have an answer to your question but are you aware of the two new regular certificate rates at NFCU that went in effect on July 2nd? Their 12-month is now 2.0% APY and their 18-month is now 2.35% APY. There is an uptick in the 3-year variable rate certificate to 2.57% APY but I am...
by SurfCityBill
Tue Jul 03, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Dallas Trip
Replies: 20
Views: 1480

Re: Dallas Trip

Cruise wrote:
Sat Jun 23, 2018 1:07 pm
Sixth Floor Museum. Gotta see it.
+1
by SurfCityBill
Tue Jul 03, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3819
Views: 1078786

Re: What Movie Have You Recently Watched?

The Death of Stalin. Dark comedy.
by SurfCityBill
Tue Jul 03, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5967

Re: Rodents ate my car!

This forum is full of information. I have never heard of rodent damage to a car before and amazed that some have a recurring problem. If it were me, I'd leave a whole bunch of snap traps along the perimeter walls of my garage. Out of the way so I don't step on them. Bait them with a planters peanut,...
by SurfCityBill
Mon Jul 02, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 50
Views: 3373

Re: Should I replace my water heater?

I finally replaced mine. It worked great except for the sediment that collected at the bottom of the tank and sounded like popcorn popping. Since the tank was in the garage I was not worried about any catastrophic failure ie leaking. The date code was 1989.
by SurfCityBill
Sat Jun 30, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Rental Car Damage / Delayed Contact. Opinions?
Replies: 13
Views: 1273

Re: Rental Car Damage / Delayed Contact. Opinions?

I appreciate everyone stepping up on this and offering your thoughts. I will chat with my boss first. Unfortunately I don't work for Megacorp where all of this is handled by some HR team. I work for Dinkycorp where there are only a handful of us that even travel for business, so no special agreement...
by SurfCityBill
Sat Jun 30, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Rental Car Damage / Delayed Contact. Opinions?
Replies: 13
Views: 1273

Re: Rental Car Damage / Delayed Contact. Opinions?

It sounds like hertz is asking you to declare/admit that the vehicle was hail damaged while in your possession. Therefore, I would not fill out the report (which seems to be asking you to admit your fault) as it might be a strategy to collect on something that is, as of now, legally uncollectable. ...
by SurfCityBill
Sat Jun 30, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Rental Car Damage / Delayed Contact. Opinions?
Replies: 13
Views: 1273

Re: Rental Car Damage / Delayed Contact. Opinions?

I rented a car from Hertz for a business trip using a company supplied credit card. No insurance options were taken. Thanks, Bill I would probbly just fill out the requested report - since you know there was a hail storm. If I had seen the damage I'd be more inclined to fill out the form. But I'm r...
by SurfCityBill
Fri Jun 29, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Rental Car Damage / Delayed Contact. Opinions?
Replies: 13
Views: 1273

Rental Car Damage / Delayed Contact. Opinions?

I rented a car from Hertz for a business trip using a company supplied credit card. No insurance options were taken. During the week that I had the car there was a hail storm during the night. In the morning I did not notice any apparent damage and drove the car a few more days before returning it t...
by SurfCityBill
Fri Jun 29, 2018 2:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 511
Views: 58580

Re: Pulled the trigger and paid off the house today

It is a funny world. If you went out and bought a new huge boat with a big boat loan all your friends/neighbors would want a ride and be all smiles. If you paid off the boat loan, they are jealous. Ah. Good times. Congrats on the mortgage payoff. Now, don't do it again. :wink: :shock: :oops: I reca...
by SurfCityBill
Wed Jun 27, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: "Who's John Bogle?"
Replies: 17
Views: 2550

"Who's John Bogle?"

Just had a lovely woman knock on the door introducing herself as the local Edward Jones rep. Before she could get too deep into her pitch I told her I was a self managing Boglehead, to which she asked what that is. After explaining the concept of indexing and John Bogles philosophy, she asked who Jo...
by SurfCityBill
Wed Jun 27, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 88
Views: 9306

Re: DNA ancestry testing

Did 23&me and yes I was very surprised by the results. Always considered my predominant heritage, Polish and French. The French turned out to be almost non-existent, less than 1.5% with the predominance of that German. What I had no idea I had, was a high degree of Polish, Italian and Palestinian! N...
by SurfCityBill
Wed Jun 27, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score Simulator
Replies: 3
Views: 636

Credit Score Simulator

I was not even aware that Chase added this feature to my Visa account. For those with an insatiable desire to know how various life happenings affect their credit score, this simulator is by far the best I've found for showing "what if" scenarios to your credit score. For those without Chase Visa ac...
by SurfCityBill
Wed Jun 27, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Withdrawal TIming
Replies: 17
Views: 3017

Re: 529 Withdrawal TIming

I'm not following what the headache is. My kids' spring semester Bill's were/are always due in December (and I make a single in full payment with a 529 withdrawl). The expense is the year before the kid actually goes to school but this isn't relevant - the expense and payment and withdrawl still al...
by SurfCityBill
Wed Jun 27, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 55
Views: 5957

Re: Do you cancel old credit cards?

Alas, I will be abandoning the cc churning game in the near future. Primary reason is opportunity cost but more importantly I want to make executing my estate as simple as possible. I don't want my executor chasing down credit cards to be closed. Imiss the thrill of the bonus chase though. <sigh> I...
by SurfCityBill
Wed Jun 27, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: What is your debt interest rate threshold?
Replies: 57
Views: 3848

Re: What is your debt interest rate threshold?

Pen Fed Auto Loan 0.99%.
Pen Fed 6 mos CD 1.75%.

If the numbers were reversed I'd eliminate the loan.
by SurfCityBill
Wed Jun 27, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 15704

Re: How much (green) cash at home for emergency ?

There's more money in the coin holder of my car then in my entire house. :moneybag
by SurfCityBill
Wed Jun 27, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA EFC number shock! [Expected Family Contribution]
Replies: 54
Views: 7426

Re: FAFSA EFC number shock! [Expected Family Contribution]

Many years ago in NY all my friends parents were filling out applications for TAP (Tuition Assistance Program). Don't know if it still exists. We weren't wealthy but comfortable. I told my dad that he needed to do it too. He just looked at me with a slight smile and shook his head. I thought he was ...
by SurfCityBill
Tue Jun 26, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay college tuition from a 529?
Replies: 56
Views: 5744

Re: How to pay college tuition from a 529?

I'm into year 4 for one student and year 2 for another using 529 funds. I've tried all three methods to withdraw funds. 1. Had TIAA-CREF send check directly to university. This worked well but I was constantly checking to see if the payment had been received and credited by the university before the...
by SurfCityBill
Tue Jan 30, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Warning: 2017 HR Block program miscalculates federal tax (windows)
Replies: 16
Views: 2125

Re: Warning: 2017 HR Block program miscalculates federal tax (windows)

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...
by SurfCityBill
Tue Jan 16, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets equities went sideways for 50 years 1920-70
Replies: 24
Views: 2623

Re: Emerging Markets equities went sideways for 50 years 1920-70

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. :happy
by SurfCityBill
Tue Dec 12, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 48
Views: 8529

Re: best cashback credit card ?

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 $...
by SurfCityBill
Tue Dec 05, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 36
Views: 6236

Re: Are plasma TV's gone forever?

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. :wink:
by SurfCityBill
Thu Nov 30, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 36
Views: 6236

Re: Are plasma TV's gone forever?

I have had two Panasonic Plasma TV's for 7 years. Both work great. As well as the day I set them up. :D
by SurfCityBill
Thu Nov 30, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Random package from Amazon - early warning of identity theft?
Replies: 21
Views: 5888

Re: Random package from Amazon - early warning of identity theft?

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...
by SurfCityBill
Tue Nov 28, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 90
Views: 14346

Re: Charles Schwab Experiences?

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...
by SurfCityBill
Tue Nov 28, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software recommendations?
Replies: 15
Views: 1813

Re: Tax Software recommendations?

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...
by SurfCityBill
Wed Nov 22, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: How do I sell silver coins?
Replies: 13
Views: 2191

Re: How do I sell silver coins?

alpenglow wrote:
Wed Nov 22, 2017 1:40 pm
I've sold a number of coins on eBay without a problem.
+1
by SurfCityBill
Wed Nov 22, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 43012

Re: Did you tell anyone you paid off your mortgage?

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 ...
by SurfCityBill
Wed Nov 22, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Jetted Tub: Maintenance and type
Replies: 8
Views: 1026

Re: Jetted Tub: Maintenance and type

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.
by SurfCityBill
Wed Nov 22, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Best auto loan rates?
Replies: 19
Views: 4028

Re: Best auto loan rates?

Mike Scott wrote:
Tue Nov 21, 2017 9:34 pm
I have had very good service through penfed.org
+1