Search found 473 matches

by SurfCityBill
Thu Jul 25, 2019 1:56 pm
Forum: Personal Investments
Topic: What to do with cash in Schwab?
Replies: 42
Views: 2568

Re: What to do with cash in Schwab?

SurfCityBill wrote: ↑ Thu Jul 25, 2019 11:27 am I have a Schwab One account as well and live in CA. I put a sizeable portion of my emergency funds in SWCAX, tax free CA muni's. While not as safe as a money market fund it is a relatively stable choice that I'm comfortable with. How do you report on ...
by SurfCityBill
Thu Jul 25, 2019 1:27 pm
Forum: Personal Investments
Topic: What to do with cash in Schwab?
Replies: 42
Views: 2568

Re: What to do with cash in Schwab?

I have a Schwab One account as well and live in CA. I put a sizeable portion of my emergency funds in SWCAX, tax free CA muni's. While not as safe as a money market fund it is a relatively stable choice that I'm comfortable with.
by SurfCityBill
Fri Jul 19, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Getting money from a 529
Replies: 45
Views: 3174

Re: Getting money from a 529

In my 6th year of 529 distribution experience going through child number 2. I've done all three options. Check made out to myself. Check made out to the child. Check sent from administrator directly to university. Easiest seems to be to have administrator send funds directly to university. Usually c...
by SurfCityBill
Sun Jun 30, 2019 10:25 am
Forum: Personal Investments
Topic: Has anyone recently transferred shares from Computershare to Vanguard?
Replies: 27
Views: 3125

Re: Has anyone recently transferred shares from Computershare to Vanguard?

Just transferred shares from Computershare to Chas Schwab. Very easy and no cost incurred. No cost basis because shares were from a demutualized insurance company that the IRS says so. :annoyed
by SurfCityBill
Fri May 31, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: UPDATE to What to do with a 24" analog CRT TV?
Replies: 58
Views: 3577

Re: What to do with a 24" analog CRT TV?

Recycle. No one is going to buy it on eBay. It would cost more to ship than it's worth. Or call Goodwill. I was surprised to find they still wanted a 24" Toshiba I was about to get rid of.
by SurfCityBill
Fri May 31, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: Efficient Disneyland visit for family 1-2 days
Replies: 37
Views: 2674

Re: Efficient Disneyland visit for family 1-2 days

I can empathize with you about Disneyland. I live within ear-shot of their nightly fireworks and after one expensive, hot, long day with the kids many years ago, I never fed the mouse again. Both kids would go on occasion with their friends but that was school trips and when they collected enough mo...
by SurfCityBill
Fri May 31, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: 4 Day plan to LA..Suggestions
Replies: 22
Views: 1143

Re: 4 Day plan to LA..Suggestions

Recommend Universal Disneyland (1 day or 2 days) Huntington Beach (Water may be cold but 7 and 10 year olds usually don't think so.) Toss up (not in any order) Aquarium of the Pacific - Long Beach (Can add the Queen Mary to this but may not be of much interest to little kids.) Angel Game (Not Dodger...
by SurfCityBill
Wed May 29, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Electric, corded, trimmer edger recommendations
Replies: 11
Views: 882

Re: Electric, corded, trimmer edger recommendations

I've always used corded and have never considered it a problem. In fact, it lets me show off my cowboy lasso talents in front of the neighbors. Actually, I've never trusted battery op. Every device I've had always seems to fail prematurely.
by SurfCityBill
Wed May 29, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 7591

Re: $3k for teen club soccer

Those costs do seem high but then my kids played in CA. If those are just coaching fees then someone's making a killing. Factor in travel costs, hotel stays, meals, incidentals, etc, and it seems like those costs could double.
by SurfCityBill
Wed May 29, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: Hyundai Sonata for college.
Replies: 31
Views: 2154

Re: Hyundai Sonata for college.

Both college kids have cars. Daughter, Nissan Versa, drives everywhere, necessary for off-campus internship, etc. Son, Hyundai Sonata, drives no where. 2,000 miles in 2 years. Both cars have been fine, although the Sonata has had a lot of recalls. I would have re-thought his car based on mileage but...
by SurfCityBill
Tue May 28, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: How a SIM swap attack works
Replies: 28
Views: 3445

Re: How a SIM swap attack works

Why can't I put a "freeze" on any SIM / Port transfers with my wireless carrier? The system is circumventable by any agents you interact with, even if you put restrictions on your account. People are terrible with codes and passwords under normal circumstances, so it’s not hard to convince an agent...
by SurfCityBill
Tue May 28, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: How a SIM swap attack works
Replies: 28
Views: 3445

Re: How a SIM swap attack works

Why can't I put a "freeze" on any SIM / Port transfers with my wireless carrier?
When I get a new phone I would have to call with a code to unfreeze or physically go to a carrier location.
Wouldn't this have prevented the authors problems and beefed up the 2FA security we rely on?
by SurfCityBill
Mon May 27, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Question on 529 and usage
Replies: 6
Views: 761

Re: Question on 529 and usage

I would be surprised if your childs college did not charge for using a CC. Usually 2.50-2.75%. Free for eDebit from your bank or check payments, either from you or the 529 trustee.
by SurfCityBill
Tue Apr 23, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Found Stock Shares. Need Some Advice.
Replies: 3
Views: 552

Re: Found Stock Shares. Need Some Advice.

Thanks, that's helpful.
by SurfCityBill
Mon Apr 22, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Found Stock Shares. Need Some Advice.
Replies: 3
Views: 552

Found Stock Shares. Need Some Advice.

Hello Bogleheads, Would appreciate some input concerning some "found" shares of stock and how to proceed. My Mother-in-law recently passed away and DW's family is in the process of liquidating her estate. Seven individuals share equally. We recently found details concerning almost 500 shares of a ut...
by SurfCityBill
Tue Apr 09, 2019 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Unexplained state tax refund after state deposited my tax due check
Replies: 4
Views: 377

Re: Unexplained state tax refund after state deposited my tax due check

Sounds like you figured it out. I will share that my underpaid student kid showed a minimal amount being owed to the state of California. After paying said amount, a check for the same amount arrived for her 3 weeks later essentially reducing her tax owed to zero. Never did figure out why TT indicat...
by SurfCityBill
Fri Mar 29, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 14327

Re: Shingrix [Vaccine availability]

Supplies are tight in California. I was fortunate. My doctor had a stockpile for his patients use.
by SurfCityBill
Fri Mar 29, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Income from two states for 2018, looking for tax software that can handle that
Replies: 4
Views: 231

Re: Income from two states for 2018, looking for tax software that can handle that

My college kid had income in two states and was able to use Turbo Tax Free along with their Fed return. It really was completely free.
by SurfCityBill
Fri Mar 29, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 7627

Re: Anybody else get a huge tax increase due to SALT deduction changes?

After comparing numbers I was shocked to find that even though taxable income for 2018 was within 2% of prior year 2017, total tax was significantly less for a difference of over $10,700. Home state is high cost California.
by SurfCityBill
Thu Mar 07, 2019 12:35 pm
Forum: Personal Investments
Topic: What if transfer is delayed and the funds have been used to buy stock?
Replies: 3
Views: 291

Re: What if transfer is delayed and the funds have been used to buy stock?

I'd ask the brokerage what happens in a case like that. They might do as you suggest or there could be regulations in place that limit what actions they can take to keep the trade current.
by SurfCityBill
Wed Feb 20, 2019 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Fast turnaround on Federal Tax
Replies: 40
Views: 3871

Re: Fast turnaround on Federal Tax

Not so sure these quick refunds are a good thing. The scammers are going to be paid and long gone before many of us even realize they've fraudulently filed on folks. At least with a long delay in getting paid, folks have a chance of cutting the scammers off at the pass. :annoyed
by SurfCityBill
Wed Feb 20, 2019 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Question re 1098-T
Replies: 17
Views: 762

Re: Question re 1098-T

I agree with many other posters about not worrying too much about it. I'm deep into my fourth year of dealing with 1098-T's and have always had trouble reconciling the schools numbers with mine. I've kept accurate track of actual expenses and in what calendar year they occurred in case the IRS decid...
by SurfCityBill
Wed Feb 20, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 37
Views: 3230

Re: Car Rental in Mexico

I wouldn't go any further south than San Diego. Problems solved and avoided.
by SurfCityBill
Wed Feb 20, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Car rental - full size vs premium
Replies: 15
Views: 1566

Re: Car rental - full size vs premium

The reason the price seems so close between the premium and the full size has to do with demand. Notice in this string a lot of posters don't want the premium either because of liability or higher gas consumption. I've actually run into occasions where the premium was lower in price than the full si...
by SurfCityBill
Wed Feb 20, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Rental Car Company Preferences
Replies: 26
Views: 1800

Re: Rental Car Company Preferences

I use Hertz. I often get cars with under 10,000 miles. Had one recently with 300 miles on it. Upgrades like Mercedes GLE350 or small Infinity SUV. They usually have the most prominent or easier location to access at the airport or consolidated rental center. Very good frequent renter program. By the...
by SurfCityBill
Wed Feb 20, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: purchasing new furnace tips
Replies: 35
Views: 1897

Re: purchasing new furnace tips

Nice thread and good question. I'm in the same boat as the OP. I thought my furnace was old as it's from the 1970's. Based on the OP's furnace age I guess I still have another ten + years. I agree with some of the other posters. Ignore too many fancy options. Basically on and off with a good thermos...
by SurfCityBill
Mon Jan 28, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 62
Views: 7362

Re: Where do you keep your emergency fund?

Laddered CD at PenFed paying 2.75%. Planning to build out monthly so I'm never more than 1 month away from a portion. Some savings for less than 30 day emergencies.
by SurfCityBill
Fri Jan 18, 2019 7:27 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's Obituary From The Family
Replies: 48
Views: 16414

Re: Jack Bogle's Obituary From The Family

A man that made a difference in my life and the life of my family. Eternally grateful, Mr. Bogle.
by SurfCityBill
Tue Jan 15, 2019 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Car / Umbrella and teen driver (California)
Replies: 14
Views: 730

Re: Car / Umbrella and teen driver (California)

CA response here. In order to get a CA permit, a teen must take a course through a certified company either on-line or in a classroom setting. I have one child that did the classroom version and one that did the online version. Online tends to be less expensive and more convenient. Both did about th...
by SurfCityBill
Tue Jan 15, 2019 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Geico auto - used parts??
Replies: 26
Views: 1831

Re: Geico auto - used parts??

Geico acts as an agent for Travelers Insurance for homeowners. At least in Calif. So I was able to "bundle" auto / home and get all the discounts associated with bundling. Maybe just try that and then cut your homeowner ties with this guy for good.
by SurfCityBill
Fri Jan 04, 2019 4:13 pm
Forum: Personal Consumer Issues
Topic: Leasing a car
Replies: 27
Views: 3136

Re: Leasing a car

Strongly recommend you purchase a book by Richard L. Kaye titled Lease Your Car For Less . This book is only 54 pages but explains very concisely everything you'll need to lease sensibly. https://www.amazon.com/Lease-Your-Car-Less-Consumer/dp/0962364452/ref=sr_1_2?ie=UTF8&qid=1546636048&sr=8-2&keywo...
by SurfCityBill
Fri Jan 04, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: USPS price increase on 1/27/19
Replies: 74
Views: 7061

Re: USPS price increase on 1/27/19

Stamps have become such a non-issue. Used to use 10 a month, now less than 10 a year, although we do still send a handful of Xmas cards.
by SurfCityBill
Fri Jan 04, 2019 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab to Vanguard ?
Replies: 45
Views: 3638

Re: Schwab to Vanguard ?

Accounts at both and no complaints at either end. Schwab primarilly has after-tax accounts except for one small traditional IRA. Vanguard has pre-tax accounts, Roth and former 401K rollovers. Offers a simple general view of the pre-tax/post-tax allocation.
by SurfCityBill
Mon Dec 31, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA - is it worth filling out?
Replies: 108
Views: 5991

Re: FAFSA - is it worth filling out?

Can't speak to anyone else's circumstances, but in our case we have one student at an in-state public university and one at an out of state public university. Never filled out a FAFSA and it has not affected merit scholarships or negatively affected us at all.
by SurfCityBill
Mon Dec 31, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: University Alumni Associations—Any Value?
Replies: 19
Views: 1914

Re: University Alumni Associations—Any Value?

Better football tickets.
by SurfCityBill
Mon Dec 31, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 21541

Re: Favorite Purchase of 2018?

Premium seat LA Lakers tickets with Lexus Club access. Cost a small fortune. As my son suggested, it would almost be cheaper to fly to another city and see them as the visiting team. :moneybag
by SurfCityBill
Fri Nov 30, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 7209

Re: Restaurant Budget

bloom2708 wrote:
Wed Nov 28, 2018 2:13 pm
Everything is relative.

If you are both maxing pre-tax 401k and Roth IRAs and filling up your HSA (if available), then you are fine. Spend the rest.

If you are not doing those things, then $700 on dining out seems too like too much. How much for Groceries/dining in?

Everything is relative.
+1
by SurfCityBill
Fri Nov 30, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting strategies
Replies: 21
Views: 2231

Re: Budgeting strategies

Why are you budgeting? Are you saving for something specific like a house in two years? Are you trying to get out of debt and identify where your money is going? Are you trying to save a specific amount each month for retirement? All good reasons to budget. I don't actually budget but I do broadly t...
by SurfCityBill
Mon Nov 26, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: LastPass Questions
Replies: 27
Views: 1972

Re: LastPass Questions

[quote I have been using LastPass (free version) for a few years now. Not sure why you could not both use the same single (free) account. Could manage his/her specific sites using folders. OTOH, if it's only $50 a year and you'd rather not commingle that is fine too. Just not a lot of money to hand-...
by SurfCityBill
Mon Nov 26, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 68688

Re: Name something you had to have and now you regret purchasing it?

When I was a kid I read in my Weekly Reader that in the future something called "Cable TV" was coming, and there would be no commercials because you'd have to pay for it. What a laugh. Ha, ha. I recall that as well. Except when I was told there would be "Pay TV", I was thinking I'd be feeding dimes...
by SurfCityBill
Fri Nov 02, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Thanksgiving vacation suggestions
Replies: 9
Views: 1340

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: 1884

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: 83
Views: 7841

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: 2471

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: 2431

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: 2212

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: 2701

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: 593

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: 593

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: 3014

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...