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Cosmo

My 1st generation iPAD is now very slow for browsing so I am thinking about a new iPAD. Since I am in the Apple eco system, I am only looking at iPADs. I am using it mostly for reading and for surfing the net when I am not close to my PC. Which model do you recommend? Should I wait until the new iP...

Cosmo

I recently learned a brother-in-law has a 200% match on his 401K. I am curious as to what the match is on most 401Ks. I'm sure some of the choices on this poll will be poor, but I think it might be interesting anyway. Try to fit yourself into a category, if you don't, then pick other and explain be...

Cosmo

TallBoy29er wrote:Combined you pull in $260 k per year. Maxing 401k's would put you at $234 k before taxes. That's a solid income. We obviously don't have your full situation, but on its face, it seems like there should be room in your budget to cash flow the effort.

+1
Cosmo

Cosmo

I love German engineering. I don't like German engineering repair costs. I'll take the Honda Accord Sport, please...

Cosmo

Cosmo

whodidntante wrote:I use a bucket when I wash my car, but not for my mortgage.

+1

For a working stiff such as myself, any buckets I have are empty and I make any future payments with dollars I don't have yet.

Cosmo

Cosmo

I also disagree with the poster who said it was a nightmare. It was a pretty easy process for us. Not sure if the process varies from state to state but here in Texas, I suspected hail damage so I filed a claim with the insurance company. Within a week, I had the insurance claims adjuster meet with ...

Cosmo

I'm automotive technician we are not allowed to use the plug from the outside the tire kits. All tires must be prepped, plugged, and patched from the inside per tire manufacturers and the Rubber Manufacturer Association. These are the standard guidelines any shop should be using. These rules have c...

Cosmo

Hopefully you don't have AT&T U-verse. While you can set up a mesh network with AT&T U-verse, it is a bit more complicated.

Cosmo

Just take to Goodyear Tire and they will plug for free.

Cosmo

Meteorologist.

Cosmo

My understanding is that Wells Fargo doesn't resell the servicing of mortgage loans. You'd want to confirm that with them, though. While I agree with this, the problem is they are seldom competitive when it comes to shopping around for a mortgage. Since they are my incumbent bank, I always look to ...

Cosmo

Save your money and rent a vacation place or cabin instead. You will still come out way ahead even it you rent it 10 times per year. The honeymoon will be over in a few years when the home requires maintenance and you end up spending portion of your weekend time working on your second home keeping i...

Cosmo

https://finance.yahoo.com/news/gundlach-shorts-sp-500-etf-says-passive-investing-myth-214252048.html Furthermore, he argued that pension funds are abandoning their fiduciary duty by opting for passive investments. And so what does Jeff do? Why he goes long in a PASSIVELY managed iShares MSCI Emergi...

Cosmo

Love spinach salads!

Base: Spinach

Extras: Egg, 1/2 avocado, onion, carrots, cucumber, bacon bits from breakfast, whatever lunch meat (turkey, ham, etc) cheese, salt, pepper

dressing: 2/3 olive oil, 1/3 balsamic vinegar

Cosmo

Cosmo

Three possible results: 1. Your kids love it, use it for several hours a day until they are middle schoolers. 2. Your kids get bored with it after a couple of weeks. 3. You have the best set in the neighborhood and there are always 20 kids in your backyard even when you aren't home. I've seen all t...

Cosmo

That's why tomorrow's brunch is going to be great. I did 4 100-mile days in a row. Always had a chicken=fried steak with mashed potatoes plus biscuits to break up each day's ride. The first time I did the MS150 from Houston to Austin, I carried water and only ate at Whataburgers and Blizzards at Da...

Cosmo

Getting ready to do my first 100 mile bike ride in a month. This one also has 10k feet of climbing. I avg about 75 miles each week between commute and a weekend ride. Any tips for a first timer from those who have done it already? Man that's a lot of climbing. I would do a good 70 mile ride prior t...

Cosmo

Hi guys Has anyone had any experience trying to remove a raccoon from crawlspace or attic. I have one (possibly a mother with babies) that I need to get rid of quick due to work that needs to be done in my crawlspace. I've tried a couple of DIYs, like ammonia around the entry/exit point, critter re...

Cosmo

My elderly mother has been in the hospital for the last several days and she will not be able to do her own taxes. All of my sisters are totally freaking out about it and were going to call the IRS and ask them what to do. I told them (they are all in another state) that she needs to file Form 4868....

Cosmo

A family member who does shift work uses one. She has tried a couple of the ones in the $10-20 range from Amazon and a local store. Don´t expect the greatest quality on any of them. One lasted a year or two. The other, the projector stopped working in about 3 months. Also, research indicates light ...

Cosmo

I do not think you should live without an emergency fund. Banks can revoke your card and if so, likely when you need them most. The advice above to use a cc as your emergency fund is risky. The OP would still have around $5,000 left in the emergency fund and would have TWO credit cards to use in th...

Cosmo

If you are that obsessed about having CarPlay, then just get an aftermarket "CarPlay" for your Mazda. Sony makes one:

https://9to5mac.com/2016/12/08/sony-aft ... available/

Cosmo

They mean after tax. That seems like it should have been the obvious answer to you. Actually, you would be wrong assuming that "should have been the obvious answer". I interpret that as 50% of gross income. Why shouldn't I look at it that way, when a potentially large chunk of your salary...

Cosmo

Check in two places. Settings------>FaceTime and Settings----->Messages. It is important that each of you only have your own phone numbers (and emails) checked. Finally, go to Settings-----> Phone and make sure you disable wireless calling. It is not necessary to have two Apple IDs! This should fix....

Cosmo

Can a cell phone get hacked? Yes - google and you will find the answers - just about everything has been hacked. Waiting for my toaster to be hacked. Android phones - http://money.cnn.com/2016/11/30/technology/android-phones-infected/ Apple phones - http://www.foxnews.com/tech/2017/03/24/wikileaks-...

Cosmo

Google is your friend. Yes this sounds like a scam. See link below: http://abcnews.go.com/US/dealership-charge-motor-vehicle-tax-car-purchase/story?id=26515737 That link doesn't reference any scam? it doesn't say the dealership was trying to scam the guy out of $1700 more then he paid, sounds like ...

Cosmo

I am a meteorologist who works at an energy commodities firm. I have not found a weather app that I have liked yet. There is presently no weather app that is based of off official NOAA/NWS national weather forecasts. NOAA does not have an official weather app per se but they do have some awesome mo...

Cosmo

Google is your friend. Yes this sounds like a scam. See link below: http://abcnews.go.com/US/dealership-charge-motor-vehicle-tax-car-purchase/story?id=26515737 That link doesn't reference any scam? it doesn't say the dealership was trying to scam the guy out of $1700 more then he paid, sounds like ...

Cosmo

Iphone here. What app do you prefer? I've used "Weather Channel" for a while but would like to try something different. I just use the default Apple Weather app. I never really thought to use a 3rd party weather app (it's the weather...) but I'll check some of these out. -WallStreetPhysic...

Cosmo

I am a meteorologist who works at an energy commodities firm. I have not found a weather app that I have liked yet. There is presently no weather app that is based of off official NOAA/NWS national weather forecasts. NOAA does not have an official weather app per se but they do have some awesome mob...

Cosmo

Here's the backstory. My car is a '03 Honda Accord with 127,000 miles. After an oil change this week I asked my mechanic to check my six year old tires. His shop doesn't sell tires. His conclusion, although tread is at legal limits of 2/32, he recommends I replace all four simply because of their a...

Cosmo

I think a will and living trusts are important enough to make sure they are done right and should be left to a lawyer to do instead of risking it with a software program. We also set up a "letter of intent", to help guide the executor of our will in case they had any questions about distr...

Cosmo

Bogleheads, Despite being 25 years of age, as a personal banker I often see the negative effects of improper planning of death. Thankfully, most of the scenarios have had a positive outcome (speaking lightly of death), however I have experienced a couple of scenarios when greed intervenes or disorg...

Cosmo

Is there really a scarcity of water in California? I don't believe so. You got an endless supply of water from the Pacific via desalination. In fact, the nation's largest desalination plant is located in San Diego County and is expected to furnish the county up to 10% of their water supply. The onl...

Cosmo

Just watched the NatGeo special on the California water crisis - http://channel.nationalgeographic.com/water-and-power-a-california-heist/ As a friend pointed out - the wild west has always had its battles around water rights, and now it has been ramped up between the various modern day players. BT...

Cosmo

I realize no one can predict the end of this rally and when the next correction will come, but has anyone else adjusted their asset allocation to a more conservative one because it has been a long bull market whether it was hated or not. I went from 65/35 to 60/40 just in case. #1: Pigs Get Fat, Ho...

Cosmo

I'll never go back to a non-Retina screen. Not sure you need one though and we haven't upgraded the iMac to one with an SSD or better screen. Happy with the new macbook. I have a 2011 iMac model so going on six years. Still working just great; I have not noticed any slow down yet. In fact, when I c...

Cosmo

A guy I know who works for Edward Jones put this article on Facebook. https://www.americanfunds.com/individual/insights/investment-insights/five-american-funds-that-beat-the-first-index-funds-lifetime-results.html?cid=sm_fb_10224 Would you guys more familiar than I with the index funds and the tric...

Cosmo

ddurrett896 wrote:Every homeowner should own this kit. The non-contact tester will tell you if the line has power.

http://www.homedepot.com/p/Klein-Tools- ... 367271-_-N

^This.

Cosmo

Cosmo

What if you had 2,000 shares of Blackberry, Enron, Pets.com, etc.? I should've bought apple @ $10 a share when we were the only people around with Macs in the 90's. No regrets! :happy I had a bunch of Enron shares back when I was employed there for a couple of years. That trade didn't work out very...

Cosmo

What is this "sell" that you speak of? Do you mean the yearly "sell-to-buy" that's done to rebalance accounts to achieve my target asset allocation? Regret? Over what? I rebalance, the AA is perfect on my birthday, I wait for next year to do another sell-to-buy. The OP is talkin...

Cosmo

tc101 wrote:I paid for the online version and I still can't find a way to see my tax forms. Last year I could download a pdf.

They are definitely there. They give you a choice to print/view them once you finish. I printed mine out with no problems.

Cosmo

Curious on your thoughts Bogleheads: I know people differ on whether or not to include one's home equity when calculating net worth. I'm not interested in that debate as I firmly believe it is to be included. For those that agree, do you back out the amount it would cost to sell the home? I have be...

Cosmo

I track and view my net worth as I would a financial statement for a company. It's a snapshot in time and backward looking as opposed to forward looking. Looking at a net worth report over time (I update it at the end of each month) shows me a history of my financial progress (when I've made large ...

Cosmo

Another vote for the Bose Mini.

Cosmo

I've used this Echo trimmer (http://www.homedepot.com/p/ECHO-2-Cycle-21-2cc-Straight-Shaft-Gas-Trimmer-SRM-225/100675439) for the last four years and have never had a problem. The bump feed line works just like it is supposed to and is very easy to reload. Price is a little more than you wanted to ...

Cosmo

Summary: "Works fine for me." Sorry, I know how infuriating that is. It seemed to work for me. In my case, though, I wasn't actually using an html file, I was using a "web archive" in Mac OS X Safari, which (somehow) saves more of the appearance of a web page than html does. Let...

Cosmo

Are you using Google Chrome, Cosmo? The Savings Bonds Calculator Inventory Instructions say it is "not compatible". Using the Savings Bond Calculator (SBC) with Firefox I just tested creating a list of I Bonds, saving it as an .html file, and then opening it. This worked fine. I also open...

Cosmo

+1. I'm a charcoal purist as well. I'm not sure I would use the words charcoal and purist in the same sentence, especially if referring to briquettes, self-igniting charcoal or lighter fluids just for the extra chemicals/substances they contain. No, never self-igniting charcoal and never lighter fl...

Cosmo

I have been saving an inventory of dozens of paper I-Bonds (IRS Tax refunds) on my iMac 2011 as an html file. This evening, when I open up the file and click "Return to Savings Bond Calculator", it does not pull in my inventory. I have been doing this for 5-6 years now with no issues -unti...

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