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BobTexas

My mega Corp works the same way. You contribute separately and can start contributing to both first of the year.

BobTexas

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.

BobTexas

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...

BobTexas

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 ...

BobTexas

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...

BobTexas

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

BobTexas

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...

BobTexas

Got my refund today

BobTexas

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...

BobTexas

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

BobTexas

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...

BobTexas

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

BobTexas

Do both parties have iPhones? FaceTime on the iPhone is built in, easy and free

BobTexas

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...

BobTexas

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

BobTexas

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 ...

BobTexas

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...

BobTexas

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 ...

BobTexas

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...

BobTexas

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.

BobTexas

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...

BobTexas

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 ...

BobTexas

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...

BobTexas

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...

BobTexas

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

BobTexas

Check out dcrainmaker for great reviews of the devices

https://www.dcrainmaker.com/

BobTexas

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...

BobTexas

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...

BobTexas

[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...

BobTexas

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.

BobTexas

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...

BobTexas

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...

BobTexas

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...

BobTexas

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

BobTexas

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...

BobTexas

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...

BobTexas

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 ...

BobTexas

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

BobTexas

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...

BobTexas

Sounds like you priced it too low

BobTexas

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

BobTexas

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

BobTexas

Look for a place that specializes in moving boxes. We found it to be cheaper and they had a wide selection

BobTexas

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&...

BobTexas

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

BobTexas

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

BobTexas

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...

BobTexas

If there aren’t a lot of files u can email them to yourself. Create an email on the pc, attach the file, then email it to yourself. Read the email on the phone and save the attachment

BobTexas

Agree with the others about finding the cause of the void first. Once you do find the cause- In my old neighborhood we had some sinking sidewalks and were able to get a company that drilled small holes in the concrete then sprayed expanding foam in the voids to fill them. Worked well, and a lot easi...

BobTexas

I would just do the factory reset and leave any docs that you have. I wouldn’t want to encourage him to contact you with questions, because then you open the door to him calling you when then the ac doesn’t work, or some other problem I usually do print up a sheet with notes about things like utilit...

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