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SurfCityBill

I can agree with Roth that the muni segment may go through some trying times. But so will all categories as we deal with this climb out of Covid. Are muni's really at risk of total default or just loss of asset value for a period of time? As a long time holder of muni's they've gone up and down but ...

SurfCityBill

Was $475 for $1M 2 adults, 2 young drivers
Changed to $625 for $1M 2 adults, 2 young drivers, 1 at-fault driving accident.

SurfCityBill

This question ties in well with my situation as well. I'm 20 years into a 25 year term policy for $700,000. I determined the policy has outlived its need due to the state of our financial situation and was going to let the policy lapse when it came up for renewal. However, I have heard it is possib...

SurfCityBill

However, I have heard it is possible to sell insurance policies, including term policies, to independent 3rd parties. A term policy must be convertible (to whole life) for this to be possible. Low cost term policies are typically not convertible. In checking, the policy was convertible at one time ...

SurfCityBill

This question ties in well with my situation as well. I'm 20 years into a 25 year term policy for $700,000. I determined the policy has outlived its need due to the state of our financial situation and was going to let the policy lapse when it came up for renewal. However, I have heard it is possibl...

SurfCityBill

I have the same combo as the OP. TG1672. 2500 sq ft house. Combo located upstairs in center bedroom. It works fine throughout the house with download speeds of 117 mbs. The 5Ghz signal gets dropped periodically and it has been a problem but the 2.4Ghz has always worked. I do believe that you have to...

SurfCityBill

lthenderson wrote: ↑Sat Apr 04, 2020 2:54 pm I'm in season 2 of Better Call Saul on Netflix and have enjoyed it.

It doesn't get better than BCS. I'm current on this one in Season 5.

SurfCityBill

My daily discretionary living expenditures have decreased during the stay home and shelter status. Typically about $500/week dining out. Now about $150 week with food delivery and home groceries. Not drinking at dinner and going to bars have mainly contributed. Travel expenses down nearly %75 for t...

SurfCityBill

I already work from home and expected to travel nationally about 25% of the time. Obviously, home 100% now. I'm "safe" for the next month or two, and have a healthy emergency fund, but I'm concerned for the 150 people we have in our factory. We've already scaled back production and have li...

SurfCityBill

My daughters college has stated that "Your account will be prorated and credited based on your move-out date..." So basically the assumption is the credit will apply in the Fall. I assume if a student did not continue a check would be sent to the individual.

SurfCityBill

milktoast wrote: ↑Tue Mar 17, 2020 3:52 pm Does this alter the 2020-Form-1040ES estimated payment deadlines?

+1

SurfCityBill

That's a good question and brighter tax minds than mine can comment but honestly, I would make sure I exclude those expenses for the balance of the school year from 529 distributions and pay out of other sources in case the IRS wants to play hardball on this.

SurfCityBill

I was very disappointed when they cancelled it. In my area it was replaced with France24.

SurfCityBill

This may have been mentioned but expect your electric to jump. My did about $35 a month and then I realized all I was cooling was extra cases of soda and some incidentals.

SurfCityBill

I've used Ubuntu for about 3 years and love it.

Funny how this thread had a 7 year gap from 2013 before being resurrected and continued in 2020.

SurfCityBill

Sorry OP, this is the wrong board to ask about individual stocks. This group will chew you up and spit you out.

SurfCityBill

It might be a problem. I did my kids taxes and had to input their DL's.

SurfCityBill

As of 3/6/20 PenFed CU shows 2.75% / 2.876% APR on a 30 year conventional fixed rate mortgage.

SurfCityBill

$55 for Premier using a Fidelity or PenFed member discount.

SurfCityBill

90% LTV HELOC or Home Equity Loan. 50% of the shortfall I'm unsure of the rates of the HELOC or FHA loans, but my best guess would be in the 6-7% range. I don't even know if we would find a bank that would give us a HELOC or Home Equity Loan given how little equity we do have in the house... The ba...

SurfCityBill

I've not found a way to return to the old-style Overview page either. I find the landing page after sign in to be mostly 100% a waste of my time. Sometimes, I do click on the Activity tab after signing in since it does provide a decent way to determine if there's been a recent transaction. But I th...

SurfCityBill

My strategy was to open a Barclays World Elite MC to take advantage of an airline companion deal. I closed a similar account with Barclays (diff airline) about 16 months ago. That account was approved rather quickly (FICO 800+), no other debt. This time I received a letter asking me to forward a 45...

SurfCityBill

Re: UC Cost. I have one daughter that graduated from UCLA last June and I tracked expenses pretty carefully. All in cost was $28K per year for 4 years. She was covered by my employer's insurance, was careful about book purchasing, and led a low cost lifestyle. The cost was somewhat reduced by her m...

SurfCityBill

When you get control of the account back switch the security verification number to a Google Voice number rather than a land line. It will stay with you if you move. Agree with the others that Vanguard should make it difficult to reset security features their customers have chosen to enable. I don'...

SurfCityBill

Welcome! I'm going to presume you are a fairly high earner, so sure, always nice to avoid state tax at 9.3%. (I presume this noting your use of the term "Cali" which suggests you are not a native. I'd guess you probably relocated here for a job, which would have to pay pretty well to get ...

SurfCityBill

With University of California commanding $37,000/year all in UC doesn't cost $37k all in. I just had one child go thru the Computer Sci program at UC-Riverside. Only scholarship was a $2,000 merit based plan. Total annual cost with room/board was about $22k. I would expect room/board to be quite a ...

SurfCityBill

With University of California commanding $37,000/year all in UC doesn't cost $37k all in. I just had one child go thru the Computer Sci program at UC-Riverside. Only scholarship was a $2,000 merit based plan. Total annual cost with room/board was about $22k. I would expect room/board to be quite a ...

SurfCityBill

How much downside risk are you willing to experience? How long will it take to recover? https://i.postimg.cc/x1WbdpHj/98-CB5-D7-A-FC21-42-FD-8-DC1-FD0-A1-ECBB1-A0.png I'm missing something. This implies being 100% bonds is better on the upside then a 50/50 AA, with the best limited downside.

SurfCityBill

The other question I have is should I keep the $ with Health Equity given the 0.033% admin fee on top of the ER's? Or should I move it to the Fidelity FSA once a year (or whatever period makes sense/legal). Will your employer allow you to move to Fidelity? In my case I'm limited to using Optum, but...

SurfCityBill

For those of you that just keep a low balance in checking accounts am I defeating the purpose of doing this by having said checking account linked to a savings account? In other words, if they can get into one can they get into both?

SurfCityBill

Maybe I missed it but surely Las Vegas. Golf, beer, football (this year), you can rent race cars for use on a track, gambling of course, and the most important thing.....What happens in Vegas, stays in Vegas!.

SurfCityBill

Standard Reach Waxed Floss that I dip into Listerine for every tooth. It allows the Listerine to penetrate below the gum line and kill bacteria. The gums tend to self seal against the teeth and this is one way to get the Listerine into those areas. It has made a world of difference in regards to the...

SurfCityBill

DW and I were ponding a similar issue with an international twist. Normally, the $100 / $200 amounts sound find for us. In our case we're headed to Australia for a 2nd cousin wedding. Not incredibly close but part of a few family members we have overseas. We're thinking for this one $200 but since t...

SurfCityBill

$1M 4 adults. Two classified as "inexperienced drivers" although one of the drivers may now be considered experienced as rate went down from $647 to $461 thru Geico.

SurfCityBill

Silk McCue wrote: ↑Fri Jan 24, 2020 3:25 pm Time to stop worrying about this and carry on.

Cheers

Worrying over and carrying on. Thanks,

SurfCityBill

The estate files an income tax return, Form 1041, with a K-1 for each heir. The estate accounts for the RMD that it took, showing on the K-1s that it distributed all of it. The heirs receive a K-1 from the estate. The IRS can match those. As Alan S. points out, the estate should not receive and pro...

SurfCityBill

No, first of all the estate cannot take a distribution unless it is the actual beneficiary and that is almost always a costly mistake and will impair the beneficiary stretch. If the estate did happen to be the beneficiary, the 5 year rule will apply if decedent passed prior to the RBD, and the dece...

SurfCityBill

I concur with hachiko's statement that this is, at least initially, a matter of will interpretation or inheritance law. If you conclude that the shares, which apparently were FIL's sole property prior to his death (notwithstanding the deposit of dividends thereon in a joint account with MIL), legal...

SurfCityBill

My strategy was to open a Barclays World Elite MC to take advantage of an airline companion deal. I closed a similar account with Barclays (diff airline) about 16 months ago. That account was approved rather quickly (FICO 800+), no other debt. This time I received a letter asking me to forward a 45...

SurfCityBill

I've never looked at this number, so it was an interesting exercise.

Value of four vehicles < 1% of net assets.

SurfCityBill

My strategy was to open a Barclays World Elite MC to take advantage of an airline companion deal. I closed a similar account with Barclays (diff airline) about 16 months ago. That account was approved rather quickly (FICO 800+), no other debt. This time I received a letter asking me to forward a 45...

SurfCityBill

Gill wrote: ↑Sun Jan 19, 2020 12:41 pm Answer remains the same, i.e., basis is FMV at MIL’s date of death.
Gill

Appreciate the info. Thanks.

Bill

SurfCityBill

My strategy was to open a Barclays World Elite MC to take advantage of an airline companion deal. I closed a similar account with Barclays (diff airline) about 16 months ago. That account was approved rather quickly (FICO 800+), no other debt. This time I received a letter asking me to forward a 450...

SurfCityBill

I will do a little more research into this and report back. There must be a component to this DW and I are missing. Thanks all for input.

SurfCityBill

On rereading the facts, I think I now understand that the shares were put into the trust after the MIL's death ("recently"). If so, then the FIL's will determine whether they passed to the MIL (and then to the trust on her death) or to the trust on the FIL's death. What was the legal basi...

SurfCityBill

What confuses me are two statements in the facts: (1) that the FIL AND MIL established a family trust during their lifetime, into which presumably assets intended for the children at the MIL's death were placed, but (2) all assets were transferred to the MIL at the FIL's death. It is suggested that...

SurfCityBill

Here's a tax liability question that I would appreciate some direction on; In-Laws established a family trust many years ago. Father in-law passed six years ago and all assets transferred to mother in-law who than passed last year. While the remaining seven siblings were in the process of distributi...

SurfCityBill

I paid someone a couple hundred $$$ many years ago to do my taxes and stopped doing so after the first time. I have used Turbo Tax ever since it became available. There are other lower cost or free options, but your question was "Should I use Turbo Tax?". I would say yes. It has working fi...

SurfCityBill

DW works for a large medical organization. Many of the doctors, providers, and other key personnel are highly paid and have limited options to shield their income from taxes. The independent financial planning company that manages their current 401k and other plans has proposed a plan that they clai...

SurfCityBill

You are correct. I have many accounts under the "other" umbrella. None of them auto update the share quantities. I do that manually on a quarterly basis. Schwab is similar, as is Fidelity. Some allow you to supply "read-only" authorization for true auto updating but I've never fe...

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