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burgrat

Like others have said, replacing these filters is easy and cheap. Check Google or YouTube for your respective vehicle on how to do this. I usually buy the manufacturer's air filter, or a comparable quality brand. For the cabin filter, I go with a cheap one and change it as needed, usually checking e...

burgrat

My $2M Geico Umbrella policy increased from $216/yr to $358/yr. A 65% increase in one year. I'm not happy about that. May shop around. I'm in Nevada.

burgrat

RobLyons wrote: ↑Tue Feb 16, 2021 3:40 pm Go with the hardware wallet. I was hacked and my entire account was stolen with no recourse. Don't be a victim.

Can you expand upon this? I'd be interested to know more. Was your computer hacked?

burgrat

What is the plan for most people that use cold crypto storage if/when the pass away? The complexity of physical cold storage and keeping everything hidden or secret adds another layer compared to holding funds at Vanguard or a brokerage firm. Do you guys that hold crypto have instructions on how to ...

burgrat

S_Track wrote: ↑Tue Feb 09, 2021 1:00 pm How about that is cracked $1 trillion dollars in total net assets last year. I bet VG likes that number.

So with an expense ratio of .04% is that $400,000,000 for VG/year in fees, did I calculate that correctly?

That's what I got. Not bad, not bad at all!

burgrat

I didn't realize it hit 100. I do remember when I found Bogleheads forum and I was learning about investing and not knowing what to do or where to start. I ultimately decided to do the 3 Fund Portfolio, and I remember buying VTSAX in the low 40's. I am forever grateful for this site and generous peo...

burgrat

I froze like a frightened mouse and didn't do anything. I really surprised myself in that I felt uncomfortable, but I didn't lose faith. I always envision my investing path is like climbing Mount Everest. It's not a start shot up. There are a lot of peaks and valleys along the way. This was a deep v...

burgrat

Thank you all for your feedback and suggestions. I appreciate it!

burgrat

Is a living will through Legal Zoom, for example, sufficient in my case? Do I need to see a local attorney? My situation is quite simple.

burgrat

Thanks for the reply. I'm in Nevada btw. I think avoiding going through probate is preferred from a general hassle standpoint, no?

burgrat

I'm trying to determine what I need for an estate plan. I'm 50 y/o male, not married (but in serious relationship), no children (she does not have kids either and none planned). I currently do not own any real estate or businesses and all of my assets are in brokerage accounts (Vanguard, etc.) and b...

burgrat

3,936.72

burgrat

"its akin to the microwave oven light not working" You are absolutely wrong. If your toilet tank fails (which it certainly can), you can have massive water damage. It could require replacement of flooring, cabinets, etc. It's not the same as a burnt out light bulb. We all get that you are...

burgrat

This should be in the "Frugal Things You Do" thread. Trying to repair a crack in a toilet tank is insane when you consider the potential water damage of it breaking when you're not at home. Just do what you need to do here. Buy a new toilet.

burgrat

Maybe try REI. They have some decent road bikes (flat bar or drop bar) near that price range. I think the issue with going with Canyon, BikeDirect, or any mail order bike seller is that you have to have tools and knowledge to set the bike up correctly. Not only fitting it correctly for comfort, but ...

burgrat

My student loan rates were a tad higher than yours at 1.875%. I paid for 14 years all the while vowing never to prepay. Then it started to feel like an annoyance, and one day just lump sum paid it off. If yours is a large sum to you, if it has the death benefit like mine did, and if you have depend...

burgrat

A framed print of Dogs Playing Poker.

burgrat

Make sure you take photos of your property and the area near where this project may happen so that you have the condition documented, just in case.

burgrat

I have a 2017 4 Runner Limited and it's just "ok", imo. Drives nicely and not too horrible on gas. Plenty of room (I'm 6'3") and no issues with leg or headroom and that includes passengers. My main complaint would be the GPS/Navigation/Radio screen. It's too small and navigation use i...

burgrat

I saw a guy selling a rust set of PowerBlocks and an adjustable bench asking $1,700. Normally that would maybe get $300. I doubt he will get anything close to that, but it's definitely an attempt to cash in on the demand. I have personally been looking for a pair of 25lb hex dumbbells and I can't fi...

burgrat

Adam and Dr. Drew podcast is a good one.

burgrat

CoastalWinds wrote: ↑Sun Mar 22, 2020 1:53 pm Here is one reason why we should stay calm... cuz this ain’t happening in the US. The net over-the-head was a nice touch.

https://mobile.twitter.com/dksf/status/ ... 34881?s=21

That is a training video as noted in comments. The net to the head did remind me of a cartoon dog catcher!

burgrat

I've already seen multiple advice from experts telling people to wash your hands, avoid big crowds, and "don't wear a mask", followed by a lot of knowing laughter... I honestly don't get that. If everyone wears a mask, I feel like it has to be better than nothing. If nothing else, it's a ...

burgrat

All organizations, such as the CDC, ADA, and state dental organizations are recommending to do emergency care only for the next 2-3 weeks. It varies by state at this point, but within the next day or two I think this will be nationwide consensus. I would call your office if they have not cancelled o...

burgrat

For example, if Tom Hanks recovers and basically says - "Didn't feel real bad for me, just mild cough and fever, but that doesn't mean it couldn't be bad for elderly folks, so be careful out there, guys" But Tom Hanks is elderly, isn’t he? He’s 63! Yes, he is in the at risk age range. I t...

burgrat

Excited isn’t the word I would use. I am glad I have the opportunity to buy into the market at lower prices. But I’m concerned about how a plummeting market could potentially snowball into people losing jobs, homes, retirement savings. I don’t want to gleefully celebrate small wins for me while oth...

burgrat

Costco has stopped handing out samples due to the corona virus. End times are truly here!

burgrat

On the other hand, cutting the realtor out after they did the listing price analysis is dicey. Perhaps you pay for an appraisal and use that as your listing price and as a way to more legitimately distance yourself from the realtor. Same deal where the selling price is the listing price minus share...

burgrat

I have a house that I will be selling in the coming weeks. It was a rental for a number of years, I no longer want the property, and I have spent the last few months renovating for sale (new paint - all interior and exterior, new flooring, replaced fixtures, etc.). I have put about $17k total into t...

burgrat

I got a Greenworks electric lawn mower for $30. It was mint condition, looked unused, and sells for $200 on Amazon.

I find the best deals are from well to do people that are selling nice stuff, but just want the stuff gone quickly. I’ve scored some good deals over the years.

burgrat

That's a crazy amount of spending on a credit card. I'm curious, does the "reward" / cash back get taxed if it's $40k or so annually?

burgrat

Please note that apparently some of the emails received have the wrong amount. I deposited $101k and did everything according to the rules. I received the email today stating my bonus was on the way in the amount of $511. I should be receiving $1,000. I called Ally and the representative stated tha...

burgrat

Thank you for giving back so much, to so many. Rest in peace Mr. Bogle.

burgrat

Please note that apparently some of the emails received have the wrong amount. I deposited $101k and did everything according to the rules. I received the email today stating my bonus was on the way in the amount of $511. I should be receiving $1,000. I called Ally and the representative stated that...

burgrat

2,613.72

burgrat

Happy holidays. Is there any downside to putting one’s emergency fund in an Ally No Penalty CD (11 mos.) at 2.2% vs. just using the regular MM savings, now at 2%? I know it’s not a huge difference, but ... you know. ... thanks, Rob Theoretically Ally could increase the interest rate on the Savings ...

burgrat

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burgrat

I am an oral surgeon close enough to the border that I regularly see patients who have had dental work in Mexico. I support this because these re-do's are sending my kids to college. Please go to Mexico. I'm an orthodontist that used to practice in South Texas. Occasionally I'd have patients go acr...

burgrat

Please don't insult Rudy's by calling it the McDonald's of barbecue. Dickey's is the McDonald's of barbecue. Rudy's is at least the Whataburger/In-N-Out/Five Guys (whatever your preference) of barbecue. It's still fast food, but at least it's good fast food. I think that's fair. I would agree I low...

burgrat

I have a few cabinets and a workbench from Sam's Club. The brand is Seville Classics and they are really nice quality and affordable. Perhaps not as specific for tool storage as the one you posted, but may be something you could use. Here's a link to see what they have: https://www.samsclub.com/sams...

burgrat

Fast forward to now, the dentist found there is now an abscess tooth after looking at x-rays and said that this periodontist is partially at fault. She was referred to the same periodontist and discovered she will need the tooth extracted, bone graft and implant done. Even with insurance it is look...

burgrat

I too will say not to sell it to Carmax. I think that would be a guaranteed way to lose the most money.

burgrat

Thanks for all the replies. Very helpful!

burgrat

I am a 48y/o man, not married and no children. I have a seven-figure portfolio, own a home, and no debt (except mortgage). I have listed my brother as my beneficiary on my accounts, but I am assuming that it's time that I get a will to avoid probate and simplify everything in case I keel over. Do I ...

burgrat

Has anyone tried to PM (private message) him?

burgrat

I put my daily change in a container. When it gets close to full, I take it to the local Coinstar and cash the coins in for an Amazon gift card. There is no charge for this, otherwise I would take it to a bank or a local casino (I'm in Nevada) and cash it in. The amount is usually around $60 to $80 ...

burgrat

It's $30. It's worth a try if you don't want to spend the money for a flipper.

burgrat

FIREchief wrote: Is it because of the 2.75 Million dollars that they treat you so much better than other posters?

The OP has 3x this amount (almost $10 million) and received poor customer service. They should be bending over backwards to help him!

burgrat

I still have a few more companies to contact but Geico seems to offer the most affordable combination of auto/renter's/umbrella. They'll require that I get renter's insurance if I want umbrella insurance I don't believe this is correct. I believe you need only to have auto insurance with GEICO in o...

burgrat

I have an iPhone 5 on Straight Talk (uses Verizon towers).

$43/mo. Unlimited calls, data, text. I love it. I bought the phone for $150 new, so I own it. That was the only expensive thing.

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