Bogleheads.org

neilpilot

A few random thoughts: Identify someone locally that can access the condo to check things if necessary. Close hurricane panels to prevent windows from blowing in? Consider positioning a dehumidifier so it drains into a sink and allows you to run the AC at a higher temperature setpoint. Turn off wate...

neilpilot

gerntz wrote: ↑Tue Apr 13, 2021 6:49 pm These cicadas emerge from underground only every 17 years & make a racket during daylight hours only. They are all east of the Mississippi River.

Not just east of the MS, unless you are just talking about Brood X. Just ask those in IA, KS, OK, MO et al.

neilpilot

I am the executor of my dad's estate, and have sent over a dozen letters using certified mail in the past 6 months. Some disappear, some take 30 days to get there. I also found out that the signature you get on the certified mail receipt is useless. I saw on the informed delivery email I got one mo...

neilpilot

Doesn't solve the OP's issue, but this reinforces why I chose a brokerage firm with a local office when consolidating my accounts years ago. I can just drive over to their office, about 1 mile away. I used to use a large national bank that had two local branches. And then, they closed both branches...

neilpilot

Doesn't solve the OP's issue, but this reinforces why I chose a brokerage firm with a local office when consolidating my accounts years ago. I can just drive over to their office, about 1 mile away.

neilpilot

Is there is specific science behind the 1 year interval? I understand the thought of condensation, but isn't the oil in an essentially closed system? What's somewhat odd is that for a typical wakeboard boat, the manual says to change the oil BEFORE winter storage. Shouldn't that instead be done 1st...

neilpilot

slickracer wrote: ↑Sat Apr 03, 2021 7:49 am Once per year or 5,000 miles, using synthetic oil, is just fine.

In my opinion once per year or 7,500 miles, using fully synthetic oil (not a syn blend) is even better for the cars I'm familiar with.

neilpilot

We're in a Memphis TN suburb, far from Florida. Our Geico $2M policy risk profile includes a single residence, 2 cars and a small boat (no rental, married couple with no other occupants/drivers). Yesterday we received notice of the renewal premium showing an annual increase of 60%. Total premium is ...

neilpilot

How about just having her pay down the debt directly. This is just as much a (taxable) gift as handing over a check. (I believe that there are exceptions are for medical and education bills.) Ah, yes true but she could structure it as a loan and forgive a portion each year. An accountant can help w...

neilpilot

It appears your goal at this point is not to return the item, but rather to get money back for the repair and as compensation for the damage. I don't think either the bank nor paypal have provisions for such a resolution. If they agree that the product was "significantly different than describ...

neilpilot

Since you initiate unauthorized repair of the item, I see an issue with a claim against either PayPal or your credit card. Unfortunately, the only obvious claim is against the seller, who in turn should have a claim against the carrier. Was it shipped insured?

neilpilot

Heartland. No vampires, crackheads, zombies or drug dealers - true to life. Clean but more raw than you expect. On for 14 years and still filming. Same cast. Watch the youngsters grow up before your eyes. Lovely romance. Most popular actress in the world that you've never heard of. Shown in 115 cou...

neilpilot

It's even worse in places that don't have basements. Around here, water heaters are often in the attic and can ruin the room below. A water tank leak almost always start off very small. It's typically in a catch basin that drains to the outside and will prevent any interior damage. At least that's ...

neilpilot

Unless you spend extra for a battery backup, the tankless heater's controls will not function if your electricity goes out. The basic Bradford While gas heater doesn't use an electrical power source.

neilpilot

Quick recovery or large tank size if your use case requires it. Brass drain valve and user replaceable anode rod if you plan to maintain your water heater. Longer warranty as an indication of quality. If gas, do you prefer increased efficiency (power vent) or always available hot water during a pow...

neilpilot

I expect to take delivery of an ID.4 in the next few weeks. Once the deal is done, I'll cut my pension & SS withholding way down to compensate for that $7500. Also the 30% tax credit on EVSE installations (even if it's a plug-in portable EVSE) has been extended until the end of this year. IIRC s...

neilpilot

Cautionary Tale wrote: ↑Thu Mar 25, 2021 3:45 pm I am in the same boat, and what's annoying is that I suspect that's why I haven't seen my 2k stimulus.

This boat is pretty crowded. My simple 1040x was mailed in March 2020, the IRS received it on 4/3/20 and it's still being processed.

Don't qualify for stimulus.

neilpilot

Thank you for the detailed information. I tried to get Allstate and State Farm to match my GEICO car insurance rates a while ago and they were 25% higher. But maybe if I bundle homeowners insurance they will be more competitive. I have heard of NJM from a co-worker who boasted of how they were the ...

neilpilot

Try the app GoodRX It will give you a much cheaper price for drugs not covered by insurance. Worth a shot DA No, the medication we have is covered by insurance, but subject to deductible. We can't use GoodRx in combination with our insurance, to the best of my knowledge. Actually, you can use GoodR...

neilpilot

I'd probably not have bothered with the outlets, just had them run wire to junction boxes. It's trivial to stick an outlet on it later, but it probably makes more sense (cleaner, fewer failure points) to just hardwire the charger when you get it. For my needs, I decided a plug in charger made more ...

neilpilot

Overhead outlets might be an option. I have one in my workshop which works well. The outlet I'm planning is on the far wall between the 2 car bays. The charger line will be directed up the wall, overhead and then drop down to the rear of either car. This will allow pedestrian traffic to move behind...

neilpilot

Ok electrician installing 3 NEMA 60 240V outlets, one in each garage car slot (decided to do third garage). $1200 for everything seems a good price. Great price. But can your panel handle 3 x 50A breakers? If you mean 3 60amp 240v circuits, isn't that 6 x 50amp breakers? PS - I'm on the verge of bu...

neilpilot

It was a 50 gallon Bradford White 40k BTU Defender, natural gas RG250T6N Out the door installed with new supply lines, venting and a brass drain ball valve (and the old one hauled away) it was $1050. I see the model go at supply houses for under $700. I felt it was fair, it took 2 guys around a 1 h...

neilpilot

I got my Real ID in 2019, well ahead of the original required date of 10/1/2020 because I didn’t want to carry my passport around just to enter local federal buildings. So glad that I did that. I will have no need to carry my passport for domestic travel either. It is a win-win for me. Actually, th...

neilpilot

When I looked at the long list of requirements, it seemed harder to get a Real ID than a more useful passport. So I renewed a regular license and will rely on my passport for travel which I need to anyway for international travel. Time is too short for extra visits to the DMV and the attendant bure...

neilpilot

wander wrote: ↑Sun Mar 21, 2021 10:04 am I think there is no reset button. It is called test button.

My units have a test button that also functions as a reset button.

neilpilot

The only time I've ever heard of people doing it was in RV water heaters made by Suburban. But even then, it seems to take years before the anode rod goes bad. Years ago we had an RV with a Suburban water heater. My memory was that I replaced the anode every year, and most years there was nothing l...

neilpilot

I was in the process of getting my passport last year when COVID shutdowns hit, and the passport fair at the local post office was cancelled. I have kept the certified copy of my birth certificate and the passport-compliant photos in a file folder for the past year. Now that we're getting to crunch...

neilpilot

I’m sure many others will chime in shortly. While you try to decide if you will start as early as now or as late as age 70, keep in mind that you can file at any time in the future and ask for “back pay” for as much as 10 months in the past. So if you take a few months to decide, and then wish you h...

neilpilot

I like the idea of two, but think having them in series would be better - first one to say 100 degrees & the other at full heat. That way semi-hot water doesn't run out & the full heat one gets up to temp real quick. In parallel - unless the lines come back together - if one goes out then h...

neilpilot

We also have Bradford White. No problems with it. I had two 50g gas Bradford white tanks installed about ten years ago. About 5 years later, and within about 5 months of each other, each of their Honeywell ignition systems failed. I've later learned that this has been a widespread problem. Hopefull...

neilpilot

I'm not sure why there is negativity to tankless in this thread. I remodeled my house about 10 years ago and went with a gas-fired Navien tankless sized properly to my demands and home (3 people). There is a lag in getting the hot water going (I believe this has improved somewhat in the last decade...

neilpilot

Somewhat off topic, but also share the vaccine type, dates, and lot #s with your personal physician so it becomes part of your medical records.

neilpilot

Similar question I am adding a brand new bathroom with a soaking tub. The tub itself will be 50-60 gallons. I currently have a 40 gallon nat gas water heater. Our water is supplied by the city and is not anything special (not hard, etc). I am going to add a second (identical) water heater and pipe ...

neilpilot

I think there are different issues, in our case we had a 21yo college dependent on our 2019 Tax Return, he became dependent with full time job after graduation in 2020 and we filed 2020 Tax Return with zero dependents. We correctly did NOT receive any EIP Stimulus payments for him in the first 2 ro...

neilpilot

https://www.amazon.com/OFFSET-WRENCH-PORTER-PEACHTREE-WOODWORKING/dp/B003Y0CBY6/ref=asc_df_B003Y0CBY6/?tag=hyprod-20&linkCode=df0&hvadid=475715995816&hvpos=&hvnetw=g&hvrand=14733101174131165371&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocp...

neilpilot

mbasherp wrote: ↑Tue Mar 16, 2021 5:43 pm I also think the IRS knows they cannot possibly handle such an influx of amended returns. I amended a 2018 return last year - accepted in May... still waiting for a refund.

What's your rush - no refund yet from my TY2019 1040X, accepted at beginning of April.

neilpilot

https://www.amazon.com/OFFSET-WRENCH-PORTER-PEACHTREE-WOODWORKING/dp/B003Y0CBY6/ref=asc_df_B003Y0CBY6/?tag=hyprod-20&linkCode=df0&hvadid=475715995816&hvpos=&hvnetw=g&hvrand=14733101174131165371&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocph...

neilpilot

I'm confused as to why you are lumping Plan G and Part D into a single comparison. AFAIK they are always sold as separate entities, and are also very different in most states in that once you choose a Plan G you are often not changing that coverage, whereas in most cases Part D coverage frequently c...

neilpilot

We use TrustedHousesitters for taking care of the owner’s pet. Website is UK based but there are many members in the USA. We’ve stayed in 11 homes since 2017, with all but 3 in the USA. Would have been more if not for COVID. All of the sits have worked out very well for us, and after a 19 month COV...

neilpilot

No comment on your dealings with the contractor.

As to the floor, I've DIYed 2 floating floors and in both cases used an underlying pad. The pad was clearly listed as an option intended to reduce the noise of the float. My floors are quiet.

neilpilot

My USAA only requires $300k on the underlying, but I have $1M on the underlying for each. I think my umbrella is cheaper because of it, but I really don't know. Obviously I don’t know your policy details. When I first purchased umbrella coverage decades ago my agent explained that excess liability ...

neilpilot

My USAA only requires $300k on the underlying, but I have $1M on the underlying for each. I think my umbrella is cheaper because of it, but I really don't know. Obviously I don’t know your policy details. When I first purchased umbrella coverage decades ago my agent explained that excess liability ...

neilpilot

We use TrustedHousesitters for taking care of the owner’s pet. Website is UK based but there are many members in the USA. We’ve stayed in 11 homes since 2017, with all but 3 in the USA. Would have been more if not for COVID. All of the sits have worked out very well for us, and after a 19 month COVI...

neilpilot

Filed a paper TY2019 1040x in late March 2020, and IRS shows it was received early April. They’re still processing my small refund.

neilpilot

Might suggest to brother that he look into defensive driving class for nephew. The only way you can rear end another car is by following too close..... I once rear ended a car while stopped at an intersection when I was pushed forward by the car that rear ended me. When I lived in the NE, there was...

neilpilot

marcopolo wrote: ↑Thu Mar 11, 2021 4:55 pm
If OP is retired (no, or low, other income), then probably quite a bit more than $100k in gains to generate $20k in taxes.

Why is it that you assume that someone who retirees with "31 years in the military and 15 with Fed service" is likely to have "no, or low, other income"?

neilpilot

I bought an MTD 22 inch high wheel non-self proppeled with Briggs and Stratton 4.5 hp in 1994. 27 years, one pull rope, and two spark plugs later it still starts on the first pull. I use it nine months out of the year. The brand is less important than the engine brand. Only 27 years old! :wink: htt...

neilpilot

I think Termidor can only be used by professionals, not DIY, not certain. That's only true for a few states. https://www.domyown.com/termidor-sc-p-184.html?keyword=termidor&gclid=Cj0KCQiA-aGCBhCwARIsAHDl5x8uvOSaIBeEHOXUYaLYm8FObMabV5-FvRI8nlsVN8uURZs7lJ1Ui9saAmL-EALw_wcB Taurus SC is the generi...

neilpilot

Silk McCue wrote: ↑Thu Mar 11, 2021 2:09 pm BTW few people need Premier version and Deluxe usually gets it done for most. What does Premier do for you that Deluxe can’t.

Cheers

....and if you buy Deluxe, buy the Federal only (no state) and save even more.

Search found 3734 matches