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Re: Job offering me a new schedule...

How do you feel about your current week 2? Do you travel during those days, do you sit and home and get bored, etc?
by runner9
Sat Feb 28, 2015 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job offering me a new schedule...
Replies: 8
Views: 870

Re: Anyone still owns RadioShack?

You'll find very few here that own any individual stocks.

In my several mutual funds: I'd guess there's a very small bit of it in one of them.
by runner9
Thu Feb 26, 2015 6:28 am
 
Forum: Investing - Theory, News & General
Topic: Anyone still owns RadioShack?
Replies: 5
Views: 953

Re: Aprilaire Humidifer - won't get above 22%

OP here, only thing I can add that seem wierd: parent texted "7:10pm, furnace running, humidifer on reads 21, furnace stopped at 7:20p, now reads 13" Mine holds the number when it turns off, my parent's seems to drop at least sometimes-this isn't the first time I've gotten an e-mail or tex...
by runner9
Mon Feb 23, 2015 8:38 pm
 
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifer - won't get above 22%
Replies: 18
Views: 811

Re: Aprilaire Humidifer - won't get above 22%

Thanks all. Munemaker, see my prior response to a previous comment. I'm, again, only putting value in the lack on increase at 29 degrees. I get this which is why I wasn't concerned at -14 degrees, but thought a weekend at 29 should have been higher. The chart you link to suggests 40% for 30 degrees....
by runner9
Mon Feb 23, 2015 7:11 pm
 
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifer - won't get above 22%
Replies: 18
Views: 811

Suggest an infrared temperture gun

I'm starting to plan to block the air leaks in our attics, add some venting, insulation, etc. An infrared temperature gun sounds like it might help, and be fun as well. I had an energy audit a few years back, he had a nice gun with a screen, etc but those see quite expensive. I'm thinking about just...
by runner9
Mon Feb 23, 2015 11:23 am
 
Forum: Personal Consumer Issues
Topic: Suggest an infrared temperture gun
Replies: 14
Views: 932

Re: Aprilaire Humidifer - won't get above 22%

Here is the Aprilaire document about all this. If it's 0-5 degrees outside, and your house has 20-25% humidity, then your humidifier is working. I get this which is why I wasn't concerned at -14 degrees, but thought a weekend at 29 should have been higher. The chart you link to suggests 40% for 30 ...
by runner9
Mon Feb 23, 2015 11:00 am
 
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifer - won't get above 22%
Replies: 18
Views: 811

Re: Aprilaire Humidifer - won't get above 22%

Thanks. Previous humidifier worked fine, this one worked fine the few months of last winter after it was installed with no issues either. I don't believe the house is leaky, at least not compared to mine. I actually just put 2 layers of rigid foam in the fireplace chimney as cold as was coming down ...
by runner9
Mon Feb 23, 2015 10:41 am
 
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifer - won't get above 22%
Replies: 18
Views: 811

Aprilaire Humidifer - won't get above 22%

My surviving parent has an Aprilaire 500 humidier that was installed about a year ago. This year it wouldn’t turn on, long story short, 2 visits and $200 later the company installed a new controller, says it’s fine, it now turns on. However, the level hasn’t gotten above 22% in the few weeks it’s be...
by runner9
Mon Feb 23, 2015 9:54 am
 
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifer - won't get above 22%
Replies: 18
Views: 811

Re: Citi Cash Rewards vs. Fidelity Amex

We've had Fidelity Amex for 5 years with no complaints. I use the website a little but have had no issues with it.

Never had to dispute a transaction, they've called us the few times it's happened.
by runner9
Mon Feb 23, 2015 6:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Citi Cash Rewards vs. Fidelity Amex
Replies: 20
Views: 1889

Re: Fidelity and Vanguard MF accounts

http://www.bogleheads.org/forum/viewtop ... 439#148439

http://www.bogleheads.org/wiki/Vanguard_safety

These pages may help with at least part of your question.

I'd suggest using 2 factor authentication and a long random generated password and call it good.
by runner9
Mon Feb 23, 2015 6:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity and Vanguard MF accounts
Replies: 6
Views: 481

Re: Expense Ratio Regarding my Vanguard Prime Money Market F

Vanguard is incorporating the fee into the interest, so you're still paying it because the balance goes up more slowly, not by it going down because it's withdrawn.
by runner9
Sat Feb 21, 2015 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Expense Ratio Regarding my Vanguard Prime Money Market Fund
Replies: 12
Views: 1115

Re: Expense Ratio Regarding my Vanguard Prime Money Market F

I notice that it has an expense ratio of 0.16 which unless i'm mistaken means that there will be money taken out in fees on an annual basis. This is not correct. Just like mutual funds, the expense ratio is built in to the returns. It is not deducted separately or anything. Yes, you're paying it, b...
by runner9
Sat Feb 21, 2015 8:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Expense Ratio Regarding my Vanguard Prime Money Market Fund
Replies: 12
Views: 1115

Re: 403b Guidance

Is there any chance you have access to a 457? This could be much cheaper and not advertised hardly at all. Do you work for the private or public sector? What state? For instance, if you work in the public sector in Ohio http://www.ohio457.org is almost certainly available but isn't advertised very m...
by runner9
Tue Feb 17, 2015 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: 403b Guidance
Replies: 16
Views: 1287

Power Vent Gas Hot Water Tank - Thoughts?

We have a standard direct vent through a masonary chimney gas hot water tank that's 22 years old. The only possible way to get any more square footage in our small kitchen is to remove the chimney, no walls could be moved or removed elsewhere in the kitchen. Hot water tank is the only thing using th...
by runner9
Tue Feb 17, 2015 8:25 am
 
Forum: Personal Consumer Issues
Topic: Power Vent Gas Hot Water Tank - Thoughts?
Replies: 7
Views: 444

Re: Cell Phone Provider

Cricket, 1 phone, was 1 MB but goes up to 2.5 with no cost change with the next bill. With auto pay it's $35.
by runner9
Fri Feb 13, 2015 11:39 am
 
Forum: Personal Consumer Issues
Topic: Cell Phone Provider
Replies: 22
Views: 1319

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Signed with pleasure.

To whoever created the petition text: is it possible to edit to change "countries" to "country's" in the last line, as it's possessive, not plural?
by runner9
Thu Feb 12, 2015 8:10 am
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 165
Views: 9209

Re: Should I put a Credit Freeze on my accounts?

Thanks all. I never really thought of this but reading through here I see no downside, so I think I'll do this for my wife and I next week, after discussing with her of course.

I can't see any new credit or other financial changes we'd make in the future, but would unfreeze if needed.
by runner9
Tue Feb 10, 2015 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I put a Credit Freeze on my accounts?
Replies: 32
Views: 2873

Re: Avoiding state inheritance taxes on bank savings

I would be concerned about it being considered a gift as soon as it's done.

Maybe this bump will help with other, more experienced, opinions :D
by runner9
Mon Feb 09, 2015 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adding a joint bank account owner. Is it considered a gift?
Replies: 11
Views: 940

Re: Tax Credit for window installed in 2014?

Thank you toons, just what I needed!

I guess energy star is more up to date than the IRS on updating websites :happy
by runner9
Sun Feb 08, 2015 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Credit for window installed in 2014?
Replies: 2
Views: 265

Tax Credit for window installed in 2014?

I'm trying to find out if there is deduction for the 2014 tax year for installation of windows and doors. I know there has been up to $500 lifetime ($200 max for windows) but see various years for when it ended. One IRS page says it ended Dec. 31, 2013. I know also that Congress has often extended a...
by runner9
Sun Feb 08, 2015 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Credit for window installed in 2014?
Replies: 2
Views: 265

Re: Attic Insulation: benefit of only adding to part?

By airseal you mean plugging air leaks, correct?

I've considered getting a temp sensor if it's not to expensive, if you have a recommended one.
by runner9
Fri Feb 06, 2015 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Attic Insulation: benefit of only adding to part?
Replies: 10
Views: 1099

Re: Attic Insulation: benefit of only adding to part?

Thanks for the response! Any other with the same or other advice?
by runner9
Fri Feb 06, 2015 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Attic Insulation: benefit of only adding to part?
Replies: 10
Views: 1099

Re: Preventing Ice Build up in my roof gutters

Adding soffit vents has always been a goal of mine, but the soffit only (I think) 2.5 inches wide, so finding a product that will work, other than those hockey puck round things, is difficult.
by runner9
Fri Feb 06, 2015 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Ice Build up in my roof gutters
Replies: 23
Views: 1844

Re: Preventing Ice Build up in my roof gutters

So, after a major snow storm on Sunday and decent snow fall on Wednesday we had an ice dam last night on the south side of our house, our first ever on that side. My sections with ice cables are fine. I know insulation issues are part of it, I don't know if the sun shining a lot this week, even when...
by runner9
Fri Feb 06, 2015 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Ice Build up in my roof gutters
Replies: 23
Views: 1844

Attic Insulation: benefit of only adding to part?

Every year I think about adding insulation to our roof. I can only add and plug air gaps in part however, so I’m wondering what benefit that is. The house is a bungalow with an addition. So, the original part is basically 1.5 stories, the second floor has kneewalls and then where there’s actual ceil...
by runner9
Fri Feb 06, 2015 8:16 am
 
Forum: Personal Consumer Issues
Topic: Attic Insulation: benefit of only adding to part?
Replies: 10
Views: 1099

Re: Do I sell these? How?

Are these funds that you're considering selling in a taxable account, a Roth IRA, Traditional IRA or something else?

I'd also suggest editing the title to say do I sell mutual funds, or something more specific.
by runner9
Wed Feb 04, 2015 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I sell these ETFs? How? [Transaction, portfolio help]
Replies: 8
Views: 554

Re: Preventing Ice Build up in my roof gutters

Here's a possible solution to implement today. You'll need some old pantyhose or socks, twine and calcium chloride ice melt. Fill the socks with calcium chloride and tie closed with twine. Leave enough twine to allow you to toss the filled sock onto the ice dam area. If you miss, pull the twine to ...
by runner9
Wed Feb 04, 2015 10:53 am
 
Forum: Personal Consumer Issues
Topic: Preventing Ice Build up in my roof gutters
Replies: 23
Views: 1844

Re: Preventing Ice Build up in my roof gutters

I use these. They go in the downspout, the gutter and in a v formation the bottom foot or so of the roof. Getting out outlet to the soffit can be an issue, but I'm happy with them.

http://www.amazon.com/Easy-Heat-ADKS-10 ... B000FKF6HM
by runner9
Wed Feb 04, 2015 10:22 am
 
Forum: Personal Consumer Issues
Topic: Preventing Ice Build up in my roof gutters
Replies: 23
Views: 1844

Re: Credit for an Inaccurate Bill

I agree on switching. How much long distance do you use, you say it's a seldom charge?

Maybe cut it down to 0 for long distance on the landline and only pay for local calls. Maybe switch to something else, like VOIP, etc.
by runner9
Tue Feb 03, 2015 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit for an Inaccurate Bill
Replies: 18
Views: 1332

Re: Converted IRA: H&R Block need 0 Basis on 8606 Form

I found where to enter the 0! I went back through and on this page clicked yes for "Traditional or Roth IRAs by April 15, 2015" I should have click it originally and still need to enter the info for our Roths. But, I entered 0 for contributions and basis for traditional it worked, no error...
by runner9
Mon Feb 02, 2015 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Converted IRA: H&R Block need 0 Basis on 8606 Form
Replies: 10
Views: 682

Re: Converted IRA: H&R Block need 0 Basis on 8606 Form

I just can't find where to enter 0 as the basis. In the post above I posted screenshots of the only 2 questions it asks when you click to fix issues. If I change the second question "One final question--do both of these apply?" to no I get this error instead: http://i58.tinypic.com/m9vtlh....
by runner9
Mon Feb 02, 2015 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Converted IRA: H&R Block need 0 Basis on 8606 Form
Replies: 10
Views: 682

Re: Converted IRA: H&R Block need 0 Basis on 8606 Form

During my whole life: 401k that was employee contributions pretax and company match That 401k was moved to Vanguard as a Rollover IRA and then converted to Roth Roth IRA That's all I've had. My wife has a 457b and Roth IRA. Neither of us has ever had a traditional IRA, my only Rollover IRA is the ex...
by runner9
Mon Feb 02, 2015 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Converted IRA: H&R Block need 0 Basis on 8606 Form
Replies: 10
Views: 682

Re: Coverted Rollover IRA to Roth (Taxes with H&R Block)

Thanks, but I'm still stuck. I delete 2a and left it blank. It then asks 2 questions for Form 8606. I answer each and when checking for errors I get this: http://i62.tinypic.com/24awqk7.png I click Fix Issues and it takes me to 8606 which is only 2 questions: http://i59.tinypic.com/2qvft5l.png http:...
by runner9
Mon Feb 02, 2015 8:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Converted IRA: H&R Block need 0 Basis on 8606 Form
Replies: 10
Views: 682

Converted IRA: H&R Block need 0 Basis on 8606 Form

In December I converted all of a Rollover IRA at Vanguard to my Roth at Vanguard. I know this amount is taxable and I received a 1099-R from Vanguard. Please double check that I'm answering these questions correctly in H&R Block online. I went through every screen this morning, not planning to f...
by runner9
Sun Feb 01, 2015 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Converted IRA: H&R Block need 0 Basis on 8606 Form
Replies: 10
Views: 682

Re: I'm thinking about making very large 529 contributions A

And the reason behind considering this has been withdrawn, so for sure not a good idea.
by runner9
Wed Jan 28, 2015 6:19 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 71
Views: 5418

Re: Anyone regret paying off mortgage early?

Really confused by people who think having no mortgage means no debt. So you don't have any more house insurance payments or property tax payments? As others have mentioned, property taxes/insurance are carrying or operational costs. Also, there is no interest inherent in those charges although in ...
by runner9
Mon Jan 26, 2015 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 38989

Re: Back in 2011

What's the point? Is this actionable? I'm clueless as to the purpose of this thread.
by runner9
Mon Jan 26, 2015 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Back in 2011
Replies: 6
Views: 670

Re: Anyone regret paying off mortgage early?

Really confused by people who think having no mortgage means no debt. So you don't have any more house insurance payments or property tax payments? Why do home insurance and property tax mean debt? My question as well. I consider then bills/expenses that come up, just like electricity or groceries ...
by runner9
Sun Jan 25, 2015 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 38989

Re: Happy Birthday Taylor!

Miriam2's reference is linked here: http://www.bogleheads.org/forum/viewtop ... 0#p2349140

Happy birthday for sure!
by runner9
Sun Jan 25, 2015 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say [about various investing topics]
Replies: 51
Views: 3614

Re: Sales tax question

It's where you're buying. It doesn't matter if you pay with a credit card from that zip code or any other, whatever the sales tax rate is for that county is what is charged. For instance, in Ohio this is the chart by county: http://www.tax.ohio.gov/portals/0/tax_analysis/tax_data_series/sales_and_us...
by runner9
Sat Jan 24, 2015 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sales tax question
Replies: 10
Views: 921

Re: Refinance?

I'd wait for simplicity, but that's just me.
by runner9
Fri Jan 23, 2015 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance?
Replies: 7
Views: 562

Re: Vanguard added security! [2 factor authentication option

Isn't this topic already discussed here?

viewtopic.php?f=11&t=151362
by runner9
Fri Jan 23, 2015 7:09 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 18764

Re: I'm thinking about making very large 529 contributions A

We put in every 2 weeks, I might put in 1 years worth if it feel right/change coming/etc in the future. Not now though.
by runner9
Wed Jan 21, 2015 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 71
Views: 5418

Re: Trying to understand index funds

Better answers coming I'm sure, but a mutual fund tracks an index, which is based on company size, etc. The fund buy everything that meets the criteria. It's not someone picking a few stocks they think are likely to be successful.
by runner9
Tue Jan 20, 2015 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to understand index funds
Replies: 14
Views: 1220

Re: Downside of putting condo in a trust

Estate planning is state-dependent. Be weary of asking questions pertaining to trusts on a forum because a person's perspective in CA will be completely different than a person's perspective in OH. Probate can be a snap in some states, and it can be a long, drawn-out slog in another. True, if in Oh...
by runner9
Mon Jan 19, 2015 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Downside of putting condo in a trust
Replies: 29
Views: 2875

Re: Suze Orman: $100 into $860k, and cfiresim

http://www.suzeorman.com/the-suze-orman-show Or just google "suze orman show ending" It was announced in November, not sure she hasn't said anything on the show, and even said she's looking forward to 2015, etc. She'll have a new 30 minute, 5 day a week syndicated "people court"...
by runner9
Sun Jan 18, 2015 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 5191

Re: Suze Orman: $100 into $860k, and cfiresim

Her show ends in March, so only a few more episodes for "investing advice"
by runner9
Sun Jan 18, 2015 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 5191

Re: Amex Fidelity CC 2% Cash Back

We got a new card # when the Target hack happened, the auto pay continued working just fine.
by runner9
Sun Jan 18, 2015 6:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 11360
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