Bogleheads.org

SurfCityBill

Catch the Boise State / Utah State game in Boise. Go Broncos.

SurfCityBill

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.

SurfCityBill

Hidden gem slightly outside your geo zone, Clarkson University - Potsdam, NY.

SurfCityBill

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.

SurfCityBill

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.

SurfCityBill

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.

SurfCityBill

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.

SurfCityBill

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...

SurfCityBill

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...

SurfCityBill

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...

SurfCityBill

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.

SurfCityBill

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.

SurfCityBill

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" ...

SurfCityBill

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. ...

SurfCityBill

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...

SurfCityBill

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...

SurfCityBill

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...

SurfCityBill

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...

SurfCityBill

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...

SurfCityBill

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...

SurfCityBill

Cruise wrote: ↑
Sat Jun 23, 2018 1:07 pm
Sixth Floor Museum. Gotta see it.

+1

SurfCityBill

The Death of Stalin. Dark comedy.

SurfCityBill

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,...

SurfCityBill

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.

SurfCityBill

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...

SurfCityBill

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. ...

SurfCityBill

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...

SurfCityBill

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...

SurfCityBill

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...

SurfCityBill

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...

SurfCityBill

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...

SurfCityBill

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...

SurfCityBill

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...

SurfCityBill

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...

SurfCityBill

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

If the numbers were reversed I'd eliminate the loan.

SurfCityBill

There's more money in the coin holder of my car then in my entire house.

SurfCityBill

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 ...

SurfCityBill

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...

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

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