Search found 155 matches

by BobTexas
Fri May 07, 2021 4:37 am
Forum: Personal Finance (Not Investing)
Topic: Advice needed HDHP+HSA vs PPO
Replies: 29
Views: 1498

Re: Advice needed HDHP+HSA vs PPO

Does the company contribute to the HSA? Often a mega Corp will contribute some $ to the HSA to encourage people to choose the HSA
by BobTexas
Mon May 03, 2021 12:15 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Hayward/Goldline Pool Automation?
Replies: 14
Views: 853

Re: Alternatives to Hayward/Goldline Pool Automation?

The pool equivalent to bogleheads is https://www.troublefreepool.com/forums/

They have a great site and many experts on this sort of question
by BobTexas
Sat May 01, 2021 3:44 pm
Forum: Personal Consumer Issues
Topic: Property Tax Protest: DYI vs. Company
Replies: 11
Views: 1008

Re: Property Tax Protest: DYI vs. Company

I think it depends on how much you think the property is overvalued and how hard it is to prove. If you live in a cookie cutter subdivision it’s pretty easy to compare your houses value to others. OTOH if you live in a unique house or have serious issues it may make sense to pay the company For my s...
by BobTexas
Sat Apr 10, 2021 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Question about catch-up contributions
Replies: 6
Views: 576

Re: Question about catch-up contributions

My mega Corp works the same way. You contribute separately and can start contributing to both first of the year.
by BobTexas
Tue Apr 06, 2021 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Loan Depot Refinance- $10,000 gone poof!!!
Replies: 25
Views: 6084

Re: Loan Depot Refinance- $10,000 gone poof!!!

If I read this correctly, you made a number of $10k payments over a couple weeks. In cases like this I make the amounts slightly different to allow them to be tracked. Ie make the first payment $9,900, the next $9,901, them $9,902, and so on. Makes it easy to track the individual payments.
by BobTexas
Tue Mar 23, 2021 11:02 am
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 368
Views: 26907

Re: [Third stimulus payment - mega-thread]

Long story. In 2020 I made just over the 160k limit to not get the latest stimulus. In 2019 I was under the total and received prorated amount for both stimulus. I filed 2020 taxes in early Feb as MFJ before realizing the impact of AGI over 160k. I already received the 2020 refund. Our 2020 income i...
by BobTexas
Tue Mar 09, 2021 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Might miss out on that stimulus cheddar...again
Replies: 17
Views: 3632

Re: Might miss out on that stimulus cheddar...again

Someone with married filing jointly AGI under 160k in 2019 but over 160k in 2020 may also want to hold off on filing their 2020 return until after the stimulus payments are issued, I would think. If they file 2020, they will get zilch, but would still get a check if the IRS is using their AGI from ...
by BobTexas
Tue Feb 23, 2021 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy; Anyone actually made a claim?
Replies: 211
Views: 16114

Re: Umbrella Policy; Anyone actually made a claim?

The real question you want the answer to is whether anyone's umbrella has actually paid out above the underlying limits. So far, you have no one stepping forward with such a settlement. Not sure what you mean? A quick google search returns numerous examples? They are certainly rare though. OP asked...
by BobTexas
Tue Feb 23, 2021 6:12 pm
Forum: Personal Consumer Issues
Topic: Pool Automation using Phone App
Replies: 11
Views: 778

Re: Pool Automation using Phone App

The only app automation I have is for my Dolphin pool cleaner robot, so I can't help much. I would head over to troublefreepool.com and peruse the forum sections. Quite a few pool owners appear to be implementing automation there. Troublefreepool.com is great. They’re the bogleheads of the pool world
by BobTexas
Tue Feb 23, 2021 6:11 pm
Forum: Personal Consumer Issues
Topic: Water leakage - fix it or not?
Replies: 54
Views: 3368

Re: Water leakage - fix it or not?

Are you sure there really is a leak? You can shut off everything in the house and go out to the meter on the street and see if the numbers keep going up. Then if you home has a shutoff, turn that off and see what happens with the meter, could be line leaking from the street to the home. Could it be...
by BobTexas
Tue Feb 23, 2021 6:07 pm
Forum: Personal Consumer Issues
Topic: Tax Refund IRS Processed Quickly
Replies: 25
Views: 2422

Re: Tax Refund IRS Processed Quickly

Got my refund today
by BobTexas
Thu Feb 04, 2021 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone negotiate to reduce medical bill(s)?
Replies: 37
Views: 2647

Re: Does anyone negotiate to reduce medical bill(s)?

I’ve gotten 20% off by offering to pay the bill in full. Just takes a call. A second provider has offered a 25% discount with the first bill if paid in full. I typically have only done this on larger bills - $1000+. I’ve done this with bills from hospital or ER charges which are hundreds or thousan...
by BobTexas
Wed Jan 27, 2021 9:51 pm
Forum: Personal Consumer Issues
Topic: Starting a Christmas Tree Farm?
Replies: 17
Views: 1558

Re: Starting a Christmas Tree Farm?

Do you really want a Christmas tree farm? Or just a way to keep the land zoned as ag? If it is just a zoning issue there are probably easier ways to do it
by BobTexas
Tue Jan 19, 2021 3:16 pm
Forum: Personal Consumer Issues
Topic: any suggestions for best 65" TV under $1000?
Replies: 48
Views: 3210

Re: any suggestions for best 65" TV under $1000?

Costco sells the Samsung Q6 QLED for $899. Costco is a great place to but electronics, and Samsung makes a great tv. I just bought the Samsung Q8 which is over your price range but is beautiful. I’ve never had a roku tv ( but love the roku boxes). However, I believe in having a separate streaming bo...
by BobTexas
Sun Jan 17, 2021 12:51 pm
Forum: Personal Consumer Issues
Topic: TaxAide: Acer 315 Chromebook USB-C -> HDMI adapter? [Solved]
Replies: 12
Views: 607

Re: TaxAide: Acer 315 Chromebook USB-C -> HDMI adapter?

Amazon is really easy to return if it doesn’t work. Take your chance and get it, and if it doesn’t work you can return it
by BobTexas
Tue Jan 12, 2021 6:03 pm
Forum: Personal Consumer Issues
Topic: International Phone Calls
Replies: 13
Views: 672

Re: International Phone Calls

Do both parties have iPhones? FaceTime on the iPhone is built in, easy and free
by BobTexas
Wed Jan 06, 2021 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Quit Claim Deed? - Adding Fiancee/Wife to House
Replies: 21
Views: 1490

Re: Quit Claim Deed? - Adding Fiancee/Wife to House

Consider retitling the property AND refinancing the mortgage so both the asset and the debt are held jointly. Mortgage rates have come down significantly since 2016 so you may get the added benefit of a lower rate. If your fiancée will change her name after marriage, you might want to hold off unti...
by BobTexas
Wed Dec 30, 2020 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Preparing to Build a Lake House. What to Look For?
Replies: 43
Views: 4956

Re: Preparing to Build a Lake House. What to Look For?

Lots of good feedback already.

I would try to look at as many other houses in the area as possible to get ideas. Try open houses, and/or Airbnb short term rentals. Learn as much as you can from others before spending money
by BobTexas
Wed Dec 30, 2020 7:32 am
Forum: Personal Consumer Issues
Topic: Just Ordered Peloton Bike
Replies: 194
Views: 19687

Re: Just Ordered Peloton Bike

Ordered my Bike (not Bike+) on Nov 22 and it was delivered as scheduled on Dec 16. Really enjoy it so far. I agree that you could use their app with another bike, but you do lose out on their metrics on the screen that show power, heart rate, and cadence, as well as the leaderboard which I use as a ...
by BobTexas
Sat Dec 26, 2020 10:33 am
Forum: Personal Consumer Issues
Topic: Turbotax on Sale Today Only
Replies: 103
Views: 8951

Re: Turbotax on Sale Today Only

I prefer to have an actual CD. Amazon has the 2020 Deluxe (federal only) w/CD or download for $29.99 but no gift card maywood They are the exact same thing. Even a year later I'm able to download the digital version from Amazon without issue. Yes, I used to think that the cd version was better, but...
by BobTexas
Sat Dec 26, 2020 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Complete Home Repairs Now or Wait
Replies: 8
Views: 1035

Re: Complete Home Repairs Now or Wait

Interesting about the windows. I'll have to research lumber prices too. Quick math said I could refi with 25k cash out and my payments only go up $100.00 with 2 more years to payoff. I'm going to get real numbers this coming Monday. I do want to enjoy the deck....the rest isn't as big of a deal to ...
by BobTexas
Fri Dec 25, 2020 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Are these good enough reasons to change jobs?
Replies: 51
Views: 4161

Re: Are these good enough reasons to change jobs?

Great points. Current pay is $115k, with a 1% average raise projected, unless covid cracks government revenues too much. I hope I can make it for next 13 years to finish it off. One threat is outsourcing of our jobs, but outsourcing failed in the last 3 attempts. I work on AWS on infrastructure, ne...
by BobTexas
Mon Dec 21, 2020 2:24 pm
Forum: Personal Consumer Issues
Topic: Sell truck to buy cheaper car with no payments
Replies: 45
Views: 2321

Re: Sell truck to buy cheaper car with no payments

Do you and your wife really need 2 cars? I sold mine last July and my wife and I share hers. I work from home and won’t be returning to the office until mid next year, and even then it will be less often.
by BobTexas
Sat Dec 12, 2020 6:57 am
Forum: Personal Consumer Issues
Topic: Buying Salmon Online
Replies: 57
Views: 6913

Re: Buying Salmon Online

If you are a Costco member check the freezer section for frozen wild Alaskan Sockeye. We're big (wild) Salmon eaters and find it to be very nearly as good as fresh. Highly recommended. How do you prepare it? I like the Costco frozen salmon also. I usually put 2 or 3 pieces in the refrigerator the d...
by BobTexas
Thu Dec 03, 2020 10:20 am
Forum: Personal Consumer Issues
Topic: Switch from dual monitors to one big one?
Replies: 39
Views: 3105

Re: Switch from dual monitors to one big one?

As for the poster who mentioned having improperly sized screen sharing on calls, that is user error. I share my screen many times a day and never have a problem. Just share specific windows rather than the entire screen. This is best practice anyway unless you enjoy having your audience see random ...
by BobTexas
Wed Nov 18, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: swimming pool pumps
Replies: 23
Views: 3763

Re: swimming pool pumps

Our pool pump has died and we are shopping for a replacement. Hayward has two we are considering, one very expensive touted as energy efficient possibly eligible for rebate or tax credit, the other "regular" about half as expensive (ca. $600). We live in SW Florida. Advice/recommendations...
by BobTexas
Sun Nov 15, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: Travel Wifi Hotspot
Replies: 27
Views: 1199

Re: Travel Wifi Hotspot

OP, 1) Why do you need a mobile hotspot? You can use your phone as a mobile hotspot. 2) The key question has to do with where you need the coverage. You should provide the general area that you need to remote work and ask about the coverage for that wireless service provider. KlangFool +1 Just chec...
by BobTexas
Sun Nov 15, 2020 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Seeking input in choosing health plan
Replies: 7
Views: 750

Re: Seeking input in choosing health plan

I work at a megacorp and while my numbers are different I came to the same conclusion. They seem to be encouraging everyone to get the HDHP

During the year you have to get used to paying $100 for a dr visit, but you still come out ahead if you analyze the numbers
by BobTexas
Sat Nov 14, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: Health/Exercise Fitness Monitors?
Replies: 16
Views: 1088

Re: Health/Exercise Fitness Monitors?

Check out dcrainmaker for great reviews of the devices

https://www.dcrainmaker.com/
by BobTexas
Tue Oct 27, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: What medical cards do you need to carry around in your wallet?
Replies: 56
Views: 15261

Re: What medical cards do you need to carry around in your wallet?

What are the necessary medical cards (physical cards) needed in your wallet at all times? Is there any way to just keep the account numbers or the images on your phone? Thanks. I don’t carry any. I have the medical card in my iPhone, and I don’t think I even have a card for prescriptions If I am so...
by BobTexas
Thu Oct 22, 2020 7:48 am
Forum: Personal Consumer Issues
Topic: Samsung UHD TV Model Number Differences
Replies: 7
Views: 614

Re: Samsung UHD TV Model Number Differences

I'm considering purchasing a Samsung TV. The version available at Costco is a QN65Q8D. At Bestbuy, it is labeled a QN65Q80. Does anyone know if the slight difference in labeling indicates that there are quality/construction differences? I am leaning toward purchasing at Costco due to their extended...
by BobTexas
Tue Oct 20, 2020 7:31 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2020 software offer
Replies: 426
Views: 33673

Re: H&R Block 2020 software offer

[Last year's thread is here: H&R BLOCK Pre-Order 2019 Software Offer --admin LadyGeek] End of the year must be approaching. I just received my first email offering H&R Block software for $34.95. IIRC I bought last years software for much less than that around Black Friday. I think I'll wait...
by BobTexas
Tue Oct 20, 2020 7:27 am
Forum: Personal Consumer Issues
Topic: Contractor Operation/Sceduling of Large Job
Replies: 10
Views: 647

Re: Contractor Operation/Sceduling of Large Job

Ping Pong wrote: Tue Oct 20, 2020 7:14 am The paint issue would have been the easiest to solve. You would simply hand them the bucket of your chosen paint when they show up to paint.
+1.
by BobTexas
Fri Oct 16, 2020 7:55 am
Forum: Personal Consumer Issues
Topic: iPhone SE 2020 or iPhone 12 Mini?
Replies: 138
Views: 10858

Re: iPhone SE 2020 or iPhone 12 Mini?

My wife and I are each looking to upgrade our iPhones. We both currently have an iPhone 6s from 2015 and are thinking of either getting the iPhone SE 2020 or the iPhone 12 Mini. We’re considering the 128 GB versions so the SE would cost about $490 after tax and the 12 Mini would be about $815. Do y...
by BobTexas
Wed Sep 30, 2020 6:14 pm
Forum: Personal Consumer Issues
Topic: Homeowner attempting to resurface neighborhood public road
Replies: 86
Views: 9433

Re: Homeowner attempting to resurface neighborhood public road

Can anyone point me to general DOT regulations regarding a private citizen attempting to contract to have a public road (in a subdivision) resealed? I anticipate getting an e-mail from said neighbor asking everyone to chip in towards the cost. I know you reseal driveways and parking lots but have n...
by BobTexas
Wed Sep 30, 2020 6:11 pm
Forum: Personal Consumer Issues
Topic: I need a Ladder—What type to get?
Replies: 64
Views: 3967

Re: I need a Ladder—What type to get?

Start with a simple 6' (maybe 7') stepladder. Wait a while before getting anything else. The multi-format ones tend to be heavy and awkward. After a year (or if a specific project requires it), you can see if you want another ladder, and you will have a better idea of what type. +1. A 6ft step ladd...
by BobTexas
Wed Sep 30, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance options (life event)
Replies: 7
Views: 833

Re: Health insurance options (life event)

Does your insurance coverage actually end on 10/14? I thought most plans cover you through the end of the month. I know it doesn’t cover the entire gap, but may help
by BobTexas
Tue Sep 01, 2020 11:23 am
Forum: Personal Consumer Issues
Topic: Cheapest place to get subscription to Wall Street Journal
Replies: 36
Views: 3996

Re: Cheapest place to get subscription to Wall Street Journal

Try eBay. Yes, I paid $27.55 for a 5-year digital subscription. Hard to say how long it will last, but I am 4 months in with no issues. Only downside is that I receive the New York/East Coast section and I am on the west coast. I bought mine on eBay a few years ago. Still works fine. It wasn’t as g...
by BobTexas
Wed Aug 19, 2020 7:44 pm
Forum: Personal Consumer Issues
Topic: Gravel Bike Recommendation
Replies: 102
Views: 6659

Re: Gravel Bike Recommendation

Did you take any of them for a test ride? Sometimes it’s hard to do a test ride if the bike shop doesn’t have them in stock but you may find something you really like Did you particularly like or dislike any of the bike shops? It’s good to have a bike shop that you like working with for future issue...
by BobTexas
Thu Aug 06, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Dealing with Father-in-Law's Medical Issues
Replies: 39
Views: 3875

Re: Suggestions for Dealing with Father-in-Law's Medical Issues

You can contract out to various agencies that handle this, or hire Aid's and help yourself, coordinate the schedules, train them as needed if needed, and handle individual payments and 1099's yourself. If you do the latter, the staff ends up making more $$$ vs the agency taking a cut, so sometimes ...
by BobTexas
Thu Jul 16, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 317
Views: 31190

Re: Oddly Difficult to Find Items During the Pandemic

I had to go to 3 stores last week for a propane tank exchange. When I found a store that had them another guy was there doing a refill and said he had been to 4
by BobTexas
Sun Jun 28, 2020 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Seller did not make agreed upon repairs; closing in 2 days
Replies: 55
Views: 5956

Re: Seller did not make agreed upon repairs; closing in 2 days

Sellers clearly need to sell since they are buying a new house, so you have some leverage. You clearly want the house since you spent $2k before closing I would propose asking seller, and the 2 agents to each put in $1k. That would give you $3k, and then go ahead and close. Then you can try to get a...
by BobTexas
Fri Jun 26, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Site unseen offer on House
Replies: 39
Views: 3507

Re: Site unseen offer on House

Sounds like you priced it too low
by BobTexas
Fri Jun 26, 2020 11:00 am
Forum: Personal Consumer Issues
Topic: Buying a house - survey necessary?
Replies: 32
Views: 2598

Re: Buying a house - survey necessary?

Not sure if this was mentioned, but the seller may have one from when they bought the house. I would be tempted to not get one for a standard lot in a subdivision
by BobTexas
Tue Jun 23, 2020 5:19 am
Forum: Personal Finance (Not Investing)
Topic: Help: Severance Package Concern - Update #4 and Thank you All
Replies: 97
Views: 7994

Re: HELP: Severance Package Concern

I also work at a megacorp. In cases like yours they allow the employee to buy the missing time with portions of the severance in order to meet the rule of 73

You give up some of the severance but get the retirement benefits
by BobTexas
Tue Jun 16, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: New Moving Boxes
Replies: 32
Views: 1660

Re: New Moving Boxes

Look for a place that specializes in moving boxes. We found it to be cheaper and they had a wide selection
by BobTexas
Fri Jun 12, 2020 4:32 pm
Forum: Personal Consumer Issues
Topic: caulk puncture tool ?
Replies: 71
Views: 3996

Re: caulk puncture tool ?

I have a set of metal picks kind of like dentist tools. They‘re useful for lots of things and the straight one is perfect for puncturing caulk tubes https://www.amazon.com/Pick-Hook-Set-Steel-16in-L/dp/B008Z67WV6/ref=sr_1_6?crid=SDYVRN9JEMD3&dchild=1&keywords=pick+set&qid=1591997445&...
by BobTexas
Wed Jun 10, 2020 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Fraudulent Tax Return using our Dependent's SSN
Replies: 17
Views: 1649

Re: Fraudulent Tax Return using our Dependent's SSN

Too late now, but this is another reason it’s good to get your taxes filed early if at all possible. This way you can get in before any fraudulent returns
by BobTexas
Fri May 22, 2020 2:52 pm
Forum: Personal Consumer Issues
Topic: Better to rent through Airbnb or VRBO?
Replies: 10
Views: 1072

Re: Better to rent through Airbnb or VRBO?

Ive used both and been happy with both. I will say that I had 3 reservations on AirBnB in April that we’re canceled and they were excellent about cancelling and returning my deposits
by BobTexas
Mon May 04, 2020 5:46 pm
Forum: Personal Consumer Issues
Topic: Is a locking mailbox necessary or helpful, or more hassle than it's worth?
Replies: 43
Views: 2461

Re: Is a locking mailbox necessary or helpful, or more hassle than it's worth?

So here is something really cool, it's called "Informed delivery" and it's free from the post office. https://informeddelivery.usps.com/box/pages/intro/start.action?iom=B807-82ID-USRS-PS-USP-GO-XXX-AW-XX-X-INF&utm_source=google&utm_medium=search&utm_content=b807_82id&utm_c...