Bogleheads.org

testing321

I have to make this comment. Many people retire in the Monterey Bay area of California, and the thrift stores there are stuffed full of dishes and other items from peoples' estates. Younger people are prone to cart it all away to a thrift store. If you like this sort of stuff, there is a bonanza in ...

testing321

Encourage them both to work until age 70 and not to draw SS until then.

testing321

IMO if you have an R22 unit and it leaks or starts failing, bite the bullet and install a new R420a unit rather then pay a premium for an obseleted refrigerant. My 4ton unit was ~$4500 for the condenser, air handler and lineset. Fortunately reused existing ductwork and wiring. Not to mention that t...

testing321

When our Uverse bundle went from $140 to $215 at end of a promotion, we decided to dump it. We went with Time Warner internet for $30 and signed up for Sling. Sling was as good as cable for us, but we soon discovered that it was so easy to give up cable because we weren't watching it much, so we gav...

testing321

The J3 has a 5" screen, the J7 a 5.5" screen. Your 5c had a 4" screen. The J7 has the same size screen as a iPhone 6, 7 or 8 plus. The J3 has a 5" screen, slightly larger screen than a iPhone 6, 7 or 8 at 4.7". Otherwise the J3 and J7 have similar specs. One other difference is that the J3 has 5 and...

testing321

Stormbringer wrote: ↑
Sat Dec 23, 2017 3:41 am
The title "software engineer" has always been controversial but nevertheless is used widely, even by the Bureau of Labor and Statistics. Some states regulate the use of the term "engineer".

Many computer science degrees are granted from the school of engineering.

testing321

theplayer11 wrote: ↑
Fri Dec 22, 2017 1:04 pm
I found this extremely helpful
https://www.watsoncpagroup.com/SubS.pdf

I see a huge amount of work ahead for the proprietors of tax software.

testing321

I am re-characterizing my work from consulting to engineering.

testing321

I received an email today informing me that both of my replacements are backordered. I'm not pleased with the delay in obtaining what I consider essential safety equipment. Imagine having to replace nearly all the product you sold over the last three decades due to a recall.That would be a tough as...

testing321

The due dates for my estimated state tax are the same as for federal tax. I plan to pay my payment for the 4th quarter estimated state tax (due Jan 16) this month so that it can be deducted on my 2017 federal return. I will make a very generous estimate of my state taxes due.

testing321

azurekep wrote: ↑
Fri Dec 01, 2017 8:07 pm
BTW, the new thing that Facebook is considering is requiring people to upload a high quality picture of themselves as a captcha -- if "suspicious activity" is detected.

Could you give them a picture of your dog instead?

testing321

Check any statements you get for new terms. These usually include an 800 number that you can call to reject the terms. Its a simple robocall menu. If you reject the terms, they will drive a stake through your account so it can never be resurrected under any circumstances

testing321

I think the secret to getting good referrals is getting a good PCP. Mine is very good at this. Of course, then, the next question is how to find a good PCP.

testing321

The severance package pays out bi-weekly so I would not be able to collect unemployment until my severance is up I was laid off 15 years ago, and at that time was told that the severance wasn't ordinary pay, so that we were able to take unemployment as well. The unemployment wasn't much. I was told...

testing321

Hrm, my Kidde model number is listed on the recall page, but the following Kidde video says it's not affected because it has a curved handle and horizontal pull-pin: https://www.youtube.com/watch?v=X5Xmh1VmZHo . Guess I'll have to give them a call to find out if it is recalled or not. If in doubt, ...

testing321

It is possible that ML intends to put the RMD into a new non-retirement account and they need that information to open this new account. Maybe tell them that you want a check for that RMD instead.

testing321

TravelGeek wrote: ↑
Sat Nov 25, 2017 6:20 pm
Do they send tracking information when the shipment is on the way, or do they just one day arrive on my porch?

I did not receive tracking information. They just showed up on the porch this afternoon. I was trying to remember what I ordered, then saw Kidde on the label and then I remembered.

testing321

The recall date was November 2, 2017, involving fire extinguishers with plastic handles. These were manufactured by Kidde but sold under various brand names. I had two of these and submitted my information online and today two shinny new fire extinguishers arrived. The old ones are past the EOL, but...

testing321

Actually did a search. Nissan appears to have accepted responsibility for the defective CVT for your car (2003-2010). The warranty was actually doubled to 10 yrs and 120,000 miles. I think when Nissan extended the warranty for their CVT on those cars, that was basically done to help bring back fait...

testing321

The CVTs in Nissans have not been reliable. Check consumer reports, check nicoclub.com. They are now appearing in Toyotas and other makes as well. They have a much shorter life expectancy than previous designs, which makes them risky if buying a replacement from a salvage yard and risky if buying th...

testing321

My wife had the same card and she called and asked them to switch it to the Discover It card. 5% on a category that changes each quarter, 1% on everything else. This quarter its 5% at Amazon and Target. If you want to cancel the card, look for an 800 number to reject the new terms and the card will ...

testing321

Rupert wrote: ↑
Tue Oct 24, 2017 8:11 am
File a police report, freeze your credit files, and get an IRS PIN before tax-filing season.

And once you get a copy of the police report, I believe that you're entitled to freeze and thaw your credit reports at no cost forever in most states.

testing321

Gill wrote: ↑
Wed Oct 11, 2017 4:30 pm
Take the future withdrawals correctly and don’t look back. You won’t hear from the IRS and the difference is immaterial.
Gill

I second this.

testing321

For a HSA, it only matters that your withdrawals for a year are less than or equal to your qualified expenses. You can make this happen without putting money back in to the HSA. If you get audited, the IRS would only look at your total qualified expenses and your total withdrawals.

testing321

Did you file and suspend? If so, SS wants to know if you want the benefits that you forwent since you suspended in a lump sum or if you want only the higher annuity payments that you're otherwise entitled to. I'm expecting the same question in a few years and will take the higher monthly payments. S...

testing321

Wow, it seems BBQs are pretty inefficient. Our propane tanks only hold about 1.5 gallons and last about six weeks with the propane stove. I think the grill part is inefficient but the side burner is as efficient as a gas stove. One option if you also have a charcoal grill is to use that for grillin...

testing321

One should have credit cards that provide rewards, especially cash-back rewards. Use them and pay them off in full every month. Your credit score will drop if you get new cards, but so what? I agree with this. Good cash back cards are Discover and Chase Freedom (5% on categories that change each qu...

testing321

I have been using Firefox for years on my Windows PC without issues. I use Chrome on my phone and tablet but have been reluctant to switch on the PC because I of some extensions that I use, AdBlock Plus and No Script. NoScript lets you see a list of websites that are hosting java scripts on the curr...

testing321

I have had an older primary care doc for the last 14 years that has given me excellent referrals over the years.

testing321

If you're going to donate to the American Red Cross, look for matching donations.
https://www.redcross.org/donate/cm/samsclub-pub

testing321

We have memberships at both, but we shop at Sam's Club more often. Sam's has some outstanding deals on clothing items that are being discontinued. These items tend to just disappear at Costco. Our Sam's club carries a 1.5 lb bag of Caribou coffee that we like. But it is not carried at nearby Sam's C...

testing321

His premise is that national debt, consumer debt and corporate debt continue to rise to record levels both in the US and globally, that this is a bubble and will burst and create a financial apocalypse. Well, the debt continues to rise every year and yet there's no apocalypse.

testing321

We have made a many trips to the Granby/Winter Park corridor along US highway 40 during the summer. Lodging is constructed mainly for skiers, so there's an over supply during the summer with very low rates. The first time we visited we stayed at the Inn at Silver Creek very close to Granby. There is...

testing321

I have an in-law that became disabled. He applied for SSD and was denied and figured it was a lost cause. He also had disability insurance as a job benefit and filed a claim. The insurance company did not want to pay the entire benefit themselves, so they had their counsel appeal the SSD denial and ...

testing321

I changed mine for the first time at 35,000 miles and it looked like the one in the picture above. Now I change it more often. I buy the filter from O'Reilly for $10.50 and it takes me about 5 minutes to put it in.

testing321

You can get a fake one with a red blinking light for $5 or $10.

testing321

link
I have always wondered about this. ETFs are on auto pilot, and if the vast majority of people are on auto pilot, it could be salad days for active investors.

testing321

I go online to check some of my statements quarterly. I guess that's not enough. Perhaps I should cancel paperless so I will get a statement via snail mail to remind me to check it monthly.

testing321

Jack FFR1846 wrote:Don't even get me started on Nissan CVT's.......

Anyone thinking about buying a Nissan should read one of the Nissan forums. Their CVT wasn't designed with the American buyer in mind (drive lots of miles and keep cars for many years). The best forums are at nicoclub.com

testing321

Same thing happened in our neighborhood several years ago. I had State Farm and they sent out an adjuster to inspect our wood roof. I followed him into the attic and he showed me several places where there were you could see daylight. He said the roof and gutters warranted replacement, so I got a ne...

testing321

My preferred method for closing a CC is to wait for a change in terms and then calling the 800 number to opt out. If you do this, the CC can never be resurrected -- its like driving a stake through a vampire.

testing321

We had this type of rate many years ago when we lived in California. We ran the dishwasher and clothes dryer during off peak hours. We has a gas water heater, so that wasn't an issue. Also we lived on the coast where homes didn't need air conditioning, so we made out like bandits. Thanks PG&E.

testing321

Open up the GV app, go to settings and make sure filter calls is turned off.

testing321

Last time I checked, Consumer Reports had pet hair as one of their rating items.

testing321

Designate your 2016 over payment to go to next year's estimated tax and then reduce your withholding by an appropriate amount.

testing321

We are also using GV with a OBI200 box connected to the internet and plugged into a phone jack. It rings all our phones that are also plugged into a jack. The service is just as good as the phone service that we used to have bundled with Uverse except that caller ID only shows the number and not the...

testing321

I just replaced a 10-year old desktop because it was running Vista. I bought a refurbed Dell desktop two months ago from dellrefurbished.com, their leasing division. It came with Windows 7 pro 64 bit. I downloaded the Windows 10 install image from a Microsoft site, burned it to a DVD, went into bios...

testing321

You can use heating and cooling degree days, but they should be matched to the days that your meters are read. Best way to do this in a spreadsheet is to track high and low temperature on a daily basis and compute cumulative degree days. Cooling degree days are =max(0,(high-low)/2-65). Heating degre...

testing321

I used HDClone, free addition. It works going from a smaller to larger drive. http://www.miray-software.com/products/applications/hdclone.html I did the following. Download and install software. Shut down computer, open case, remove connectors from DVD drive and plug into new hard disk. Restart comp...

testing321

You can get a Tivo Roamio OTA to record OTA tv and it will also allow streaming of Netflix, hulu, and Amazon Prime. It's $15 a month but that's a lot less than cable. We switched a month or two ago. We get 90% of what we had before for $31 a month ($15 tivo, $8, Netflix, $8 Hulu). It's really more ...

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