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Hiker-Biker

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Hiker-Biker

hicabob wrote: ↑Wed Mar 24, 2021 1:50 pm Try an acid based toilet cleaner to get off calcium, iron, and other hard water deposits. Let it sit overnight.

I have a Toto toilet that I suspect the glazing was poorly applied at the bottom. Is the acid treatment applied with water in the bowl or emptied?

Hiker-Biker

Call Vanguard and ask them. I had a mortgage pay off wired to my servicing company last year. I was asked to provide the account information for the receiving bank and to verify the information provided to VG was correct. After I gave my verbal affirmation, the wire was sent. I did wait nervously fo...

Hiker-Biker

Thanks for the tip on IP Filing PINs - I wanted to get one, but couldn't in the past since I have not been an identity theft victim.

Hiker-Biker

Federal employee here (Dept. of Interior). I just switched from a non-HDHP to a HDHP (GEHA) during this past open season, and could use some help clarifying a couple things: 1) My HSA account has been established (via HSA Bank), however, my HDHP is effective as of Jan 3rd, 2021. Since I was not cov...

Hiker-Biker

Bizarre. I used existing money from my VG settlement account to fund a back door Roth yesterday and I had no issues.

Hiker-Biker

Happy Hyundai driver here, I didn't see Mazda mentioned, but last I heard they were the surprising #1 in reliability according to Consumer Reports 2020, who moved Toyota down to #2 Tesla has always been 'problematic' as far as I've heard https://abcnews.go.com/Business/wireStory/mazda-consumer-repo...

Hiker-Biker

JMacDonald wrote: ↑Mon Dec 07, 2020 6:42 pm I installed it on my mid 2013 MacBook Air on the first day with no issues.

+1 - same MBA. I don’t like that top menu icons are smaller though.

Hiker-Biker

Less than 10 Starbucks purchases in my lifetime. I use a simple Mr. Coffee drip coffee maker (ten or more years old) and the 3 lb cans of Costco Medium Roast Colombian coffee. It works for my wife and I.

Hiker-Biker

If I made the conversion, I just don’t understand about the bid/ask spread and how that would affect me. When I say I buy and hold, I mean for years I hold. I don’t plan on making any changes for foreseeable future. But come that day years from now, if I had ETF’s, should I be concerned about bid/a...

Hiker-Biker

One trick to determine if there were freeze/thaw cycles, is to place a coin on top of an ice cube your ice cube tray. If the coin ends up at the bottom after a power outage, then you have to decide whether to toss your food. If your refrigerator has temperature monitors or you have a thermometer in ...

Hiker-Biker

I ran the numbers using HSA 2021 Limits for Married - $7200 Using your premium figures. COVA PPO + dental Annual premium $4,212 Maximum out of pocket $3000 Total Costs $7212 COVA HDHP + Dental Annual Premium $1056 Max Out of pocket $10,000 Total Costs before HSA contribution $11,056 $7200 HSA Contr...

Hiker-Biker

Wow! I converted my account three years ago and my wife's two years ago and no issues. I'm not sure what's going on with VG's technology nowadays. :shock: I had to call them when I was trying to tax loss harvest multiple lots because there were no lots to pick using a Mac. Seriously? I had no probl...

Hiker-Biker

I ran the numbers using HSA 2021 Limits for Married - $7200 Using your premium figures. COVA PPO + dental Annual premium $4,212 Maximum out of pocket $3000 Total Costs $7212 COVA HDHP + Dental Annual Premium $1056 Max Out of pocket $10,000 Total Costs before HSA contribution $11,056 $7200 HSA Contri...

Hiker-Biker

Wow! I converted my account three years ago and my wife's two years ago and no issues. I'm not sure what's going on with VG's technology nowadays.

I had to call them when I was trying to tax loss harvest multiple lots because there were no lots to pick using a Mac.

Hiker-Biker

Other tax software had previously taken advantage of the August 2020 IRS announcement allowing e-filing of (2019) amended returns. E.g., on 9/24/2020 TaxSlayer ACTIVATED 1040-X FOR ELECTRONIC FILING of 2019 returns. When the IRS is back in full operation accepting returns in January 2021, you may w...

Hiker-Biker

Thanks for the Newegg link. I think this was the least I paid for the Deluxe version ever.

Hiker-Biker

I tried to install the update and the message was my software did not require an update. So it appears that HRB will not be updating their software to allow e-filing amended returns. F/U question. Is the IRS requirement to use Registered Mail have a legal record that a return was received? I have be...

Hiker-Biker

Has anyone been able to get an upgrade to allow e-filing amended returns? My Deluxe version says no further updates are planned. I went to H & R Block's website and downloaded an update file for 2019 Deluxe and I am wondering if this update includes the e-file option. Asking here before I instal...

Hiker-Biker

OTOH, it really doesn't matter since nobody gets anything especially useful from Vanguard no matter what tier they are in. +1 FWIW, I’m at the Flagship Select level. I’ve haven't experienced any special service. 100 free trades would take me a lifetime; I do have an assigned representative, but I s...

Hiker-Biker

I would like to downsize and now is the time to sell because there is an influx of out-of-staters buying mid- to high-end, plus locals playing musical chairs. It's insane. We could sell in a heartbeat. But everything I look at to buy has that horrible vaulted ceilings, open concept design or remudd...

Hiker-Biker

I recently used a Flagship Rep to wire mortgage payoff funds to my lender since there is no way of doing it online without using ACH transactions to my bank and then another ACH to the lender. It took two phone calls to VG - the first rep asked if the lender's account was a checking or savings so I ...

Hiker-Biker

^You did not state how you treated the short-term shares in the deduction. Does Fidelity put that info on the form it sent you? That is, did they break out the short-term shares and treat them differently than the long-term shares? I have a Fidelity DAF, but have only donated long-term shares. No, ...

Hiker-Biker

Once all this has been completed, you might consider doing some small Roth Conversions of your 401(k)/IRA assets up to the top of the 22% bracket to reduce your RMD taxes in the future.

Hiker-Biker

I worded this incorrectly. I am contributing all of the shares I hold to the DAF. I have held these stocks for over 10 years and I don't think the short-term holdings amount to much. I believe that will be that is the simplest way to handle it. You will have to make adjustments on your tax return f...

Hiker-Biker

While I use GV for one number, my main home number is with Voip.ms, which is another VoIP service that costs me almost nothing and is standards-based unlike Google Voice. Once a year I put $20 in my account and don't think about it again until next year. Using it with the Obi202. However... if you ...

Hiker-Biker

To the poster who paid of the mortgage with proceeds from VWALX...did you still retain the "stub" position of VWALX post-mortgage pay-off? Considering the same strategy and wondering who else out there utilizes VWALX as part of their long term taxable AA (and what the optimal % exposure o...

Hiker-Biker

Start funding your kids 529 college savings plans?

Hiker-Biker

If you have access to The Wall Street Journal, there’s an interesting article about being house rich and cash poor and how big investors are buying and leasing back homes to sellers that don’t want to move. https://www.wsj.com/articles/millions-are-house-rich-but-cash-poor-wall-street-landlords-are-...

Hiker-Biker

$66k in annual housing costs? What if you sold the condo and get the $400k tax free gain and rent a 3 or 4 bedroom apartment until you save up more for a down payment? The housing market could go down too.

Hiker-Biker

I hope you're having fun with this. It makes some interesting reading. :shock: I had a guy get angry with me when I kept asking questions and not making a commitment to do business with him - obviously a scam. Then there were the lowball offers I got from dealers that troll Craigslist. I told one gu...

Hiker-Biker

This thread inspired me to initiate a payoff to our 3.5% 30 year mortgage that we obtained in 2013. Our muni bonds are not earning much so I decided that a portion in Hi-yield (VWALX) would be used to payoff the loan to decrease our bond risk. By tomorrow, we will be debt free!

Hiker-Biker

Metlife does pay for other services if the only reason they didn't pay out before is because your FEHB paid it. For example, I have GEHA HDHP which pays 100% on preventative. That means if I go for my regular visit, GEHA pays the dentist's full charge of $115 (my dentist is OON for GEHA). Metlife's...

Hiker-Biker

Cashing the check is an offense. Unfortunately, someone has filed a fraudulent return under your social security number. Follow all Identity Fraud steps on IRS page and freeze your accounts. Exact same thing happened to me when using TurboTax online. I now file with an IRS pin. Why would a fraudule...

Hiker-Biker

Not resolved, but apparently didn't go through. Checked w/ vanguard and bank. Thanks! Resubmitted with a different browser and all was ok. I'm using Chrome with a Yubico key for 2-Factor authentication. For that, you can't use Firefox with the key and I haven't tested Safari (I have a Mac). A month...

Hiker-Biker

I have a GE Profile Arctica Top Freezer refrigerator that was purchased in 2003. It exhibited the same symptoms the OP described about 5 years later, outside the warranty period. A tech replaced the mother-board at 1/3 the initial cost of the refrigerator. If I had just paid the diagnosis fee, it w...

Hiker-Biker

I'm going through the setup. It is forcing me to put money into the Money Market Settlement account. So it seems impossible to just buy later with a direct bank withdrawal, one _must_ go through this holding account? If that's the case, set up a bank account in the account maintenance menu and ACH ...

Hiker-Biker

I have a 42" Panasonic Plasma purchased in 2005 for a whopping $2700. Unfortunately, it has not died yet, so not upgrading unless we move for retirement.

Hiker-Biker

[/quote] I should clarify this. The neighbourhood is bad not in terms of people / homeless moving in. It is just not nice enough with good access to stores, good day cares and schools. I see a many lower priced homes too (more in comparison to the higher priced homes which are also there) in the zip...

Hiker-Biker

I have a GE Profile Arctica Top Freezer refrigerator that was purchased in 2003. It exhibited the same symptoms the OP described about 5 years later, outside the warranty period. A tech replaced the mother-board at 1/3 the initial cost of the refrigerator. If I had just paid the diagnosis fee, it wo...

Hiker-Biker

The key is that lug nuts should spin freely by hand and only need to be hand torqued to specifications. Impact torque wrenches should really only be used to loosen lug nuts. Yet time is money and most shops use them for both. The torque settings on impact wrenches are notoriously unreliable. If the...

Hiker-Biker

For good wheels, I'll pay for that, but I always bring in just the wheels as I don't need some clown torquing the wheels to a bazillion foot pounds, requiring wheel stud replacements next time I try to remove the wheels. Hmm, what are the signs you need wheel stud replacements? Last year's state in...

Hiker-Biker

Yes, I have checkwriting privileges on my Vanguard Brokerage Account. Specifically I have checkwriting on my TIRA settlement fund. However, since I seldom have funds in my settlement fund, I have added an alternative redemption fund, my Short-term Treasury Index fund. Close enough to cash for me. I...

Hiker-Biker

Debit card linked to a separate checking account for international travel, only to obtain local currency. This checking account only has enough funds for the trip in case the debit card is compromised. Otherwise, credit cards only for all spending where credit is accepted.

Hiker-Biker

Go to GEHA's website and download the 2020 plan information. That's the easiest way to verify what out of network costs are.

Hiker-Biker

Once, i donated a car to the local community college so the ones taking auto technician classes could work on it. I drove it over to the college, signed over the title, and a friend drove me home.

Hiker-Biker

You might ask on the City-Data forum site: https://www.city-data.com/forum/fort-my ... oral-area/

Hiker-Biker

I cannot provide any advice on negotiating the price. However, once my Vitamin D deficiency was controlled by taking daily Vitamin D 2000 IU supplements, my primary care physician and I agreed that testing was no longer necessary as insurance did not cover it.

Hiker-Biker

OP - I assume you're retired. What city in Florida did you retire to, if you don't mind saying. No but I work for myself. This house is in Sarasota. Ah, I haven't visited this area of FL. Not sure I would retire in FL with the flat terrain, humidity, hurricanes, and lots of retirees. I plan to visi...

Hiker-Biker

This thread is funny. We're thinking about escaping the DC area humidity for Wisconsin where we have some friends. It's a 750+ mile drive/11 hrs, 40 mins with no stops. Looks like flying is the best alternative. We have used Uber here and in Africa. It works. OP - I assume you're retired. What city ...

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