Search found 1414 matches

Return to advanced search

Re: Ad Blockers

I have not had that problem. Can you give an example we can try to load?
by runner9
Tue Mar 31, 2015 5:08 am
 
Forum: Personal Consumer Issues
Topic: Ad Blockers
Replies: 34
Views: 1641

Re: Ad Blockers

I use AdBlock and Ghostery, no issues with ads, something things don't load right unless I turn off part or all of Ghostery, such as Home Depot product info.
by runner9
Mon Mar 30, 2015 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Ad Blockers
Replies: 34
Views: 1641

Re: What should you do after your mortgage is paid off?

We paid off with PenFed in November. About a week later we got a form letter from them that it was paid off. About 6 weeks later we were sent, without asking, a copy of a "Release of Mortgage" that PenFed's agent filed with our county recorder. I can also go on the recorder's website, sear...
by runner9
Thu Mar 26, 2015 5:09 am
 
Forum: Personal Finance (Not Investing)
Topic: What should you do after your mortgage is paid off?
Replies: 11
Views: 1905

Re: How should we split money between spouses' IRAs?

jsl11 wrote:Of course, if you can afford it, the answer is to max out both spouse's IRAs.


+1 This is what we do. We do dollar cost average, so which accounts get money first varies. Right now my wife's is far ahead of mine for the year, but they'll both be maxed by Dec. 31
by runner9
Wed Mar 25, 2015 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: How should we split money between spouses' IRAs?
Replies: 7
Views: 862

Re: Measuring duct volume and/or temperature

Thanks all so far! I am in the process of using mastic on the outside of ducts and foil tape on the inside where I can't reach the outside (such as where they disappear into the floor, etc.) Most branches have dampers right after the trunk, at least the branches I can see. Not sure what I can do aft...
by runner9
Tue Mar 24, 2015 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Measuring duct volume and/or temperature
Replies: 6
Views: 498

Measuring duct volume and/or temperature

In my ongoing energy efficiency upgrade I'm trying to seal, trace, etc. our ducts. To help with this I'd like to be able to determine how much volume is coming out of each duct, and probably more importantly the temperature of the air coming out. I have a temperature gun I can point at the duct, or ...
by runner9
Tue Mar 24, 2015 5:48 pm
 
Forum: Personal Consumer Issues
Topic: Measuring duct volume and/or temperature
Replies: 6
Views: 498

Re: My attic air leak blocking checklist

My planning continues and it's becoming a more involved project. Pretty much added to the list: --Taking the bathroom fan exhausts (2 bathrooms) out of the soffit and put in separate exhausts in a gable wall. --Replace knob and tube wiring that feeds 2 lights near the stairs and possibly a kitchen l...
by runner9
Mon Mar 16, 2015 10:23 am
 
Forum: Personal Consumer Issues
Topic: My attic air leak blocking checklist
Replies: 22
Views: 1670

Re: Help teacher with pension decision

Not directly related, but will the new job pay Social Security? If so might be looking into the Windfall Elimination Provision. Wouldn't want to hold out for the pension and then have SS and it result in a reduced total.

http://www.ssa.gov/pubs/EN-05-10045.pdf
by runner9
Sat Mar 14, 2015 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help teacher with pension decision
Replies: 9
Views: 1134

Re: Costs of Vanguard Target Retirement Funds?

Just the ER of the Retirement Fund.
by runner9
Sat Mar 14, 2015 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Costs of Vanguard Target Retirement Funds?
Replies: 6
Views: 805

Re: Ice Dams - now what?

It's air leakage and insulation. Plugging air leaks, where wires and lights are (especially recessed) is supposed to go a long way. That said, having a cathedral ceiling makes it harder. I'm currently starting to seal all the air leaks in our attics, add soffits, insulation etc and have a thread goi...
by runner9
Sat Mar 14, 2015 2:43 pm
 
Forum: Personal Consumer Issues
Topic: Ice Dams - now what?
Replies: 49
Views: 4417

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

Out of curiously, anyone know about how many signatures were on it when it closed?
by runner9
Sat Mar 14, 2015 9:50 am
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 11634

Re: Mortgage Refinance Question

tin369 wrote:Can anyone apply for PenFed loans/refinancing?


Anyone who joins for $20, see here:
viewtopic.php?f=2&t=129587

Without running numbers, I'd pay down to be under PMI when the time frame allows for it.
by runner9
Wed Mar 11, 2015 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance Question
Replies: 9
Views: 644

Re: Mortgage Refinance Question

I think you can get a refi for far lower than $5K in closing costs.
by runner9
Wed Mar 11, 2015 7:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance Question
Replies: 9
Views: 644

Re: My attic air leak blocking checklist

Also, seems counter intuitive, but if you have a basement check for air leaks down there (windows, outside intrusions, etc), especially anywhere that electrical, plumbing, etc, goes to the upstairs through your subfloor. The stack effect is how a lot of air moves through your house. The cold air co...
by runner9
Tue Mar 10, 2015 12:08 pm
 
Forum: Personal Consumer Issues
Topic: My attic air leak blocking checklist
Replies: 22
Views: 1670

Re: Transferring large sums of money to a friend

http://www.wsj.com/articles/SB10001424052702304419104579322282141674084

Why did Amazon terminate it? Interesting, somewhat but not fully relevant, article above.
by runner9
Tue Mar 10, 2015 7:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Transferring large sums of money to a friend
Replies: 22
Views: 1513

Re: My attic air leak blocking checklist

I had trouble sleeping last night and thought more about adding insulation to the areas with plywood floor for storage. It seems that adding rigid foam would be cheaper, easier and more R value per inch than adding more wood framing and then blow in more cellulose. I'm only concerned about the vaper...
by runner9
Mon Mar 09, 2015 7:36 am
 
Forum: Personal Consumer Issues
Topic: My attic air leak blocking checklist
Replies: 22
Views: 1670

Re: My attic air leak blocking checklist

I went back in the attic this evening to explore a few areas. One question is the dormer on the front, which sticks out a good 6 feet where you can stand and the front is flat, as opposed to the sloping roof. After some digging I found it, the roof slopes in the space so I could only get an eyeball ...
by runner9
Sun Mar 08, 2015 9:30 pm
 
Forum: Personal Consumer Issues
Topic: My attic air leak blocking checklist
Replies: 22
Views: 1670

Re: My attic air leak blocking checklist

At the soffits, I'm guessing from reading this link (see photos halfway down) and elsewhere that I should put foam board on the outside of the top plate going straight up and Great Stuff in place, so that the batt insulation can go over the top plate, correct?
by runner9
Sun Mar 08, 2015 4:38 pm
 
Forum: Personal Consumer Issues
Topic: My attic air leak blocking checklist
Replies: 22
Views: 1670

Re: My attic air leak blocking checklist

Thanks all. As there are some questions about the heated envelope etc a crude drawing and 2 photos: This is profile of the house from the side. The bottom is the 1st floor ceiling/second floor floor. Kneewalls are on both sides. Red is where insulation is, where the envelope is. This is for part of ...
by runner9
Sun Mar 08, 2015 1:46 pm
 
Forum: Personal Consumer Issues
Topic: My attic air leak blocking checklist
Replies: 22
Views: 1670

Re: My attic air leak blocking checklist

Also, seems counter intuitive, but if you have a basement check for air leaks down there (windows, outside intrusions, etc), especially anywhere that electrical, plumbing, etc, goes to the upstairs through your subfloor. The stack effect is how a lot of air moves through your house. The cold air co...
by runner9
Sun Mar 08, 2015 1:20 pm
 
Forum: Personal Consumer Issues
Topic: My attic air leak blocking checklist
Replies: 22
Views: 1670

Re: My attic air leak blocking checklist

Are you doing this because of "ice damns"? I'm not sure I understand what this is, and what I do picture does not justify what you propose. With all do respect, I'm guessing you're in a warmer part of the US. Drive by nearly any house in my city anytime in February for an example. Since F...
by runner9
Sun Mar 08, 2015 1:13 pm
 
Forum: Personal Consumer Issues
Topic: My attic air leak blocking checklist
Replies: 22
Views: 1670

Re: My attic air leak blocking checklist

Thanks! Yes, I'm using a mask and have disposable gloves. Your answer to #2 makes sense. Between that area and getting above the hallway next to the stairs I need to go on a serious diet! #4 I'm researching more on attic baffles. Some sites show they going from soffit to above the insulation level, ...
by runner9
Sun Mar 08, 2015 12:23 pm
 
Forum: Personal Consumer Issues
Topic: My attic air leak blocking checklist
Replies: 22
Views: 1670

My attic air leak blocking checklist

After ice dams again this winter I’m undertaking plugging all the air leaks, adding ventilation, then adding insulation. House was built in 1954 with a 1991 addition. In a nutshell, here’s what I’m planning. I could write this in paragraphs and take pages but will save all the time. I’m happy to exp...
by runner9
Sun Mar 08, 2015 11:40 am
 
Forum: Personal Consumer Issues
Topic: My attic air leak blocking checklist
Replies: 22
Views: 1670

Re: Time Zone [Changing the displayed time]

Just did it, thanks for the reminder!
by runner9
Sun Mar 08, 2015 10:52 am
 
Forum: Forum Issues and Administration
Topic: Time Zone [Changing the displayed time]
Replies: 46
Views: 10139

Re: Anyone Else Think Nest Thermostat is Buggy?

We've had this one for about 7 years, like it a lot. Consumer Reports had it #1 then, I believe a similar Lux model is currently their #1. Controlling from outside the house would be nice, but otherwise we really like it. http://www.amazon.com/Lux-TX9000TS-Seven-Day-Programmable-Thermostat/dp/B000I7...
by runner9
Sat Mar 07, 2015 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Anyone Else Think Nest Thermostat is Buggy?
Replies: 30
Views: 2829

Closing docs from old mortgages - shred?

We paid off our home in November (as detailed in another thread) and I'm cleaning through paperwork: I have three folders, one for each mortgage we had, having refinanced twice. Is there any reason to keep them? I have the "Release of Mortgage" document from the last mortgage and I can see...
by runner9
Sat Mar 07, 2015 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Closing docs from old mortgages - shred?
Replies: 6
Views: 549

Re: Tax Question--Do I Have To File Taxes?

If you make under 60K the IRS has agreements with many software companies to allow you to do your own taxes for free. See:

http://www.irs.gov/uac/Free-File:-Do-Your-Federal-Taxes-for-Free
by runner9
Thu Mar 05, 2015 6:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Question--Do I Have To File Taxes?
Replies: 11
Views: 1117

Re: Suggest an infrared temperture gun

Thanks all. I did try the slickdeals link and it didn't work. That's ok, I don't have amazon prime or $35 for an order yet. Will probably order one this weekend. I'm also wanting to buy a temperature thing with multiple sensors, to put in each attic part of our attic to monitor temperature. Probably...
by runner9
Wed Mar 04, 2015 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Suggest an infrared temperture gun
Replies: 21
Views: 1700

Re: Has anyone used Costco car buying service?

If you don't like negotiating you could try getting dealers to e-mail offers:

https://www.bogleheads.org/forum/viewtopic.php?f=11&t=98183
by runner9
Tue Mar 03, 2015 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone used Costco car buying service?
Replies: 30
Views: 2987

Re: Vanguard Employee Benefit Index Dividends

In Ohio457 VIIIX is "Vanguard Institutional Index Fund - Institutional Plus" and it pays a dividend.
by runner9
Tue Mar 03, 2015 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Employee Benefit Index Dividends
Replies: 6
Views: 694

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: 945

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: 996

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: 833

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: 833

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: 21
Views: 1700

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: 833

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: 833

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: 833

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: 23
Views: 2653

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: 488

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: 1173

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: 1173

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: 1373

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: 467

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: 1405

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: 182
Views: 11634

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: 2963
Next

Return to advanced search