Search found 1509 matches

by runner9
Sun Jul 26, 2015 6:29 pm
Forum: Personal Consumer Issues
Topic: Can you return food at a restaurant and not have to pay for it?
Replies: 44
Views: 3965

Re: Can you return food at a restaurant and not have to pay for it?

I don't eat red meat, ever. If something says it comes with bacon, or bacon bits, or anything that's red meat I ask for it without and make sure the waiter or waitress acknowledges this fact. If it comes out with it on I ask it to be remade, not taken off (I don't want anything that's touched it) bu...
by runner9
Sun Jul 26, 2015 3:41 pm
Forum: Personal Consumer Issues
Topic: Vanguard Account Hacked
Replies: 22
Views: 2638

Re: Vanguard Account Hacked

If you tell nothing, or virtually nothing, you will learn nothing. So far you've told no details, no information really, almost like a teeser for a upcoming TV show or something. Without details we can't give any advice, answer your questions, etc. A family member figured out your passwork, moved mo...
by runner9
Sun Jul 26, 2015 7:56 am
Forum: Personal Finance (Not Investing)
Topic: How much does Property Tax factor in home purchase?
Replies: 36
Views: 2528

Re: How much does Property Tax factor in home purchase?

Around here some cities/suburbs have much higher tax rates than others, and everything in between. They also each have different level of city services, schools, etc. Of course one has to consider all this in deciding where to buy. I'd view it just like a part of the house: the tax rate matters, the...
by runner9
Sun Jul 26, 2015 7:53 am
Forum: Personal Consumer Issues
Topic: Home Warranty company wrongfully denying claim
Replies: 15
Views: 1442

Re: Home Warranty company wrongfully denying claim

Twitter, Facebook, e-mail, etc: I think something in writing might work better than what sounds like a lot of phone calls. Maybe find the e-mail of someone high up, also post on a social media site and see what happens.
by runner9
Sun Jul 26, 2015 7:31 am
Forum: Forum Issues and Administration
Topic: Incorrect time on [bogleheads.org home page; 4 hours ahead]
Replies: 6
Views: 519

Re: Incorrect time on forum page; 4 hours ahead

I never thought to look until I saw this thread, I'm 4 hours ahead as well (8:30 is current time, most recent post is 12:26)
by runner9
Fri Jul 24, 2015 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: E-Statement Alert Gone for Chase Credit Card
Replies: 46
Views: 2382

Re: E-Statement Alert Gone for Chase Credit Card

I just got my first smart phone a few months ago. I now have several financial reminders programmed in, with 2 alerts a day apart so I don't miss anything.
by runner9
Fri Jul 24, 2015 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate paperwork for sold/deceased over 5 years?
Replies: 6
Views: 332

Re: Real Estate paperwork for sold/deceased over 5 years?

Thanks. These were simple houses, nothing more. Don't know the wording but estates were closing and money split among the siblings. Only money transferred, not property.
by runner9
Fri Jul 24, 2015 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate paperwork for sold/deceased over 5 years?
Replies: 6
Views: 332

Real Estate paperwork for sold/deceased over 5 years?

My parent is cleaning out paperwork and has folders for three properties. Each was owned by one of my grandparents. They have all been dead at least 5 years and properties were each sold at least 5 years ago as well. Estates have all be closed at least 3 years as well. My parent plans to keep some f...
by runner9
Fri Jul 17, 2015 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do mortgage rules allow 0.5% down?
Replies: 8
Views: 677

Re: Do mortgage rules allow 0.5% down?

The house is in Ohio. I don't want to start a political debate that will then get deleted, I'm just curious what the rules allow right.
by runner9
Fri Jul 17, 2015 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do mortgage rules allow 0.5% down?
Replies: 8
Views: 677

Do mortgage rules allow 0.5% down?

A former coworker, now a real estate agent, posted this today on Facebook with a link to a house for sale: "Price just reduced to $137,000. Perfect for a first time homebuyer. Contact me to find out how to buy this home for just .5% down! That's approximately one month's rent. So, instead of pa...
by runner9
Tue Jul 14, 2015 1:42 pm
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 7516

Re: Are you going to shop on Prime Day?

What is Prime Day? I have Prime but I have not heard anything about it. It's a day Amazon.com made up. They will slash (how much? Not sure) prices on numerous products they sale as if it were a Black Friday sale They sure didn't advertise it much. First I heard of it also and I am prime member. The...
by runner9
Fri Jul 10, 2015 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: In-laws not saving for retirement -- help!
Replies: 47
Views: 6503

Re: In-laws not saving for retirement -- help!

I don't see how this will directly affect you more than emotionally unless you let it. You don't have to lend them money, don't have to let them move in with you, etc. They are in their 60s so a few decades of life is a long time, but not as long as if they are in their 30s.
by runner9
Fri Jul 10, 2015 3:27 pm
Forum: Personal Consumer Issues
Topic: Roof done: call company to pay or wait from them to call?
Replies: 10
Views: 1463

Re: Roof done: call company to pay or wait from them to call?

Thanks all. I guess it didn't cross my mind that they would mail it. Anyway, bill arrived in our late afternoon mail today but the city says no inspection has been asked for. I left a message with the salesman to please get an inspection, then I'll pay.
by runner9
Fri Jul 10, 2015 6:32 am
Forum: Personal Consumer Issues
Topic: Asbestos 2 story home
Replies: 8
Views: 953

Re: Asbestos 2 story home

Have you asked the companies why they propose to leave it in the walls? My very, very limited understanding is that if it's in good shape and undisturbed it's ok. Maybe that within the walls fits this definition. Maybe. For sure the companies have much more knowledge and reasoning, whether right or ...
by runner9
Fri Jul 10, 2015 6:30 am
Forum: Personal Consumer Issues
Topic: Roof done: call company to pay or wait from them to call?
Replies: 10
Views: 1463

Roof done: call company to pay or wait from them to call?

This is probably not a big issue but I'm thinking about it enough I thought I'd get others' opinions. We had our roof replaced on Monday (July 6) Nice job, I have no issues and I watched the entire 11 hours it took. I said to the Foreman at the end, I'll hear from XXX (the salesman), right? He said,...
by runner9
Thu Jul 09, 2015 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Mom's Employer - Lots of Issues
Replies: 21
Views: 3216

Re: Mom's Employer - Lots of Issues

Any update? Did your employer's lawyer who was out of the office last week have any advice? It might help to retitle your original thread if you're looking for advice. Something like "Laid off during FLMA" or "Laid off after untrue job evaluations" might get some responses from f...
by runner9
Thu Jul 09, 2015 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - New $10 ATM Fee Reimbursement Limit
Replies: 68
Views: 4514

Re: Ally Bank - New $10 ATM Fee Reimbursement Limit

a bit disappointing, but I doubt I've ever gone over $10 in one month... I'm wondering how this will affect my good luck with my foreign (Canada) travel... so far, I've been reimbursed every time I've used an ATM in Canada (from Vancouver to Montreal), which was always a nice surprise... even when ...
by runner9
Tue Jun 30, 2015 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 67
Views: 6667

Re: Unknown phone calls

We have voice over internet for our phone, using voip.ms. I have a IVR filter that tells prior telemarketer numbers our number is disconnected and area codes from prior telemarketers get a prompt to press 1 if they are a real person. The thinking is a real person will hear it, a telemarketer will no...
by runner9
Sun Jun 28, 2015 10:17 am
Forum: Personal Consumer Issues
Topic: Babies and remote controls
Replies: 20
Views: 1779

Re: Babies and remote controls

I'd suggest going no tv at that age in your house, hide the real remote and tell the kid the tv doesn't work, grandma and grandpa just don't have a working tv, only the broken one with no remote for it. When the kid is 2, or whatever age you decide, it can suddenly be fixed. (our 5.5 year old didn't...
by runner9
Mon Jun 22, 2015 8:01 pm
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 124
Views: 17560

Re: LED bulb prices

This bulbs in your link are not sold at my local Home Depot.

I've been using Cree LED Daylight 60W and then recently dropped from 10.97 to 6.97, though they may be discontinued. I've stocked up, having bought 18 in the last week. That should last me quite a while!
by runner9
Sun Jun 21, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Vanguard's newish email alerts & security
Replies: 19
Views: 2008

Re: Vanguard's newish email alerts & security

Or maybe they could just make it an option to get e-mails these e-mails or not.
by runner9
Sun Jun 21, 2015 9:55 am
Forum: Personal Consumer Issues
Topic: Where can I buy wiper blade inserts?
Replies: 22
Views: 2835

Re: Where can I buy wiper blade inserts?

I buy inserts at NAPA.
by runner9
Sun Jun 21, 2015 7:09 am
Forum: Personal Consumer Issues
Topic: Angie's List [for home repair]
Replies: 21
Views: 2756

Re: Angie's List [for home repair]

My local BBB website lists the actual text of the complaint, the text of the response, etc. So I don't just read 3 complaints in three years, but they actually have the letter/message the customer wrote, what the company said, etc. I personally find that helpful, along with the overall grade.
by runner9
Sun Jun 21, 2015 6:54 am
Forum: Personal Consumer Issues
Topic: Angie's List [for home repair]
Replies: 21
Views: 2756

Re: Angie's List [for home repair]

An observation on the responses is there might be a difference based on how often a poster highers someone. (e.g. someone who's hired 8 different contractor found it useful while myself, who hired 1 person in the last 4 years, doesn't.
by runner9
Sat Jun 20, 2015 8:12 am
Forum: Personal Consumer Issues
Topic: Angie's List [for home repair]
Replies: 21
Views: 2756

Re: Angie's List

I've never tried it but have had no issues with using the BBB site, picking 4 with A or A+ ratings, zero or few complaints and all resolved successfully and then getting quotes from those 4.
by runner9
Sun Jun 14, 2015 3:06 pm
Forum: Personal Consumer Issues
Topic: 2 different Cree LED Daylight 60W equivelent bulb options
Replies: 26
Views: 2665

Re: 2 different Cree LED Daylight 60W equivelent bulb options

For anyone following this all the Home Depot stores around me are selling the older, $10.97 bulb for $6.97. The employee I talked to showed me that it's listed "inactive" in her hand held device, which she says means either discontinued or temporary shipping problem. They also had moved ju...
by runner9
Sat Jun 13, 2015 3:55 pm
Forum: Personal Consumer Issues
Topic: No-line bifocals [progressives] from Costco
Replies: 29
Views: 3370

Re: COSTCO - eyeglasses with Progressive lenses

https://www.bogleheads.org/forum/viewtopic.php?f=11&t=166951&p=2512283

I'm lucky to not need glasses, but are progressive lenses the same as the no line bifocals discussed in this very recent thread?
by runner9
Sat Jun 13, 2015 3:50 pm
Forum: Personal Consumer Issues
Topic: Toronto Vacation - Finding a hotel
Replies: 41
Views: 3456

Re: Toronto Vacation - Finding a hotel

Just to update, we got back and had a great time. We really liked Toronto. It was very clean, people were exceptionally helpful and friendly. Traffic was bad but once we parked at the hotel we used public transportation until it was time to leave. Personally, I especially liked the Ontario Science C...
by runner9
Sat Jun 13, 2015 3:44 pm
Forum: Personal Consumer Issues
Topic: Money and cell phones when traveling to Canada
Replies: 40
Views: 2826

Re: Money and cell phones when traveling to Canada

OP here, just wanted to say thanks for all the information and suggestions. Turns out our phones did fine texting over wifi, so everything worked in wifi range except calling and nothing worked out of wifi range that needed a connection. We used the PenFed Visa for all charges. In Toronto I used a m...
by runner9
Sun Jun 07, 2015 10:18 am
Forum: Personal Consumer Issues
Topic: Money and cell phones when traveling to Canada
Replies: 40
Views: 2826

Re: Money and cell phones when traveling to Canada

Thanks! For the insurance in Canada we'll have to take our chances since I didn't realize that until last night, and we're on the road now (wife is driving right now) Both iphones were bought unlocked at an Apple Store. For such a short trip we'll just live without phone and text, and just email fam...
by runner9
Sat Jun 06, 2015 6:47 pm
Forum: Personal Consumer Issues
Topic: Money and cell phones when traveling to Canada
Replies: 40
Views: 2826

Re: Money and cell phones when traveling to Canada

Thanks both. I had googled about our older GPS working in Canada, the recommendation was to map to the hotel address, then see if the roads were there. I was able to go step by step to the hotel on the GPS so I think it should work. To be safe, and to make sure we avoid the 407, I have written direc...
by runner9
Sat Jun 06, 2015 4:24 pm
Forum: Personal Consumer Issues
Topic: Money and cell phones when traveling to Canada
Replies: 40
Views: 2826

Re: Money and cell phones when traveling to Canada

Thanks all, we're going to not bring any food with us across the border. Our 5 year old should be good with just a passport card, correct? I assume so, but also realize that doesn't say that we are his parents, though all our last names are the same. I could bring his birth certificate but would rat...
by runner9
Wed Jun 03, 2015 5:22 pm
Forum: Personal Consumer Issues
Topic: US Mobile?
Replies: 27
Views: 1494

Re: US Mobile?

There is no credit pull for cricket as far as I know, they don't ask for your SSN, you prepay one month in advance.
by runner9
Tue Jun 02, 2015 11:46 am
Forum: Personal Consumer Issues
Topic: Money and cell phones when traveling to Canada
Replies: 40
Views: 2826

Re: Money and cell phones when traveling to Canada

OP here with a related question: I've been reading on what we can bring into Canada, food wise. We'd probably want to bring some snacks, not much else. It appears we're fine there. Correct? http://www.inspection.gc.ca/food/information-for-consumers/travellers/what-can-i-bring-into-canada-/eng/138964...
by runner9
Tue Jun 02, 2015 6:22 am
Forum: Personal Consumer Issues
Topic: Canadian money
Replies: 34
Views: 3084

Re: Canadian money

I have a few Canadian currency a relative gave me, as we're going there next week. I realize from this thread that they are older bills. Are they still legal tender? I'm guessing there no collector value, we should still just spend them, correct? I have: $20 Issue of 2004 $2 Ottawa-1974 $1 Ottawa-19...
by runner9
Mon Jun 01, 2015 2:45 pm
Forum: Personal Consumer Issues
Topic: Dining Table Protective Pads
Replies: 2
Views: 368

Dining Table Protective Pads

We're going to replace our dining table, which is older than than anyone in our house. It's the table we eat all meals at, and I'm concerned about our 5 1/2 year old and spills. We've put off buying a table for this reason long enough, we're going to get a new one this summer. I've been reading abou...
by runner9
Sun May 31, 2015 11:37 am
Forum: Personal Consumer Issues
Topic: Toronto Vacation - Finding a hotel
Replies: 41
Views: 3456

Re: Toronto Vacation - Finding a hotel

Thanks, I did a little googling on the first one, but then couldn't find it anywhere near that price on priceline express deals.
by runner9
Fri May 29, 2015 4:27 pm
Forum: Personal Consumer Issues
Topic: Toronto Vacation - Finding a hotel
Replies: 41
Views: 3456

Re: Toronto Vacation - Finding a hotel

OP here. I'm going to try to see what last minute deals are around and any help appreciated. For sure need a pool and wifi, would like free breakfast and hopefully not a huge amount for parking that would kill any savings.
by runner9
Wed May 27, 2015 5:18 pm
Forum: Personal Consumer Issues
Topic: Money and cell phones when traveling to Canada
Replies: 40
Views: 2826

Re: Money and cell phones when traveling to Canada

We're taking an ipad along with 2 iphones. We're thinking right now that using Facetime and e-mail will work well enough.
by runner9
Wed May 27, 2015 4:42 pm
Forum: Personal Consumer Issues
Topic: Money and cell phones when traveling to Canada
Replies: 40
Views: 2826

Re: Money and cell phones when traveling to Canada

Thanks, both our cards are chip and pin, not sure I have the pin for one right now, something to track down just in case...
by runner9
Wed May 27, 2015 3:54 pm
Forum: Personal Consumer Issues
Topic: Money and cell phones when traveling to Canada
Replies: 40
Views: 2826

Money and cell phones when traveling to Canada

We're going to Toronto and Niagara Falls for 6 days in about 2 weeks. We have hotels figured out, as discussed in another thread. We're driving, have our passports, etc. I'm trying to figure out a few other aspects that matter since it's another country. We have 2 iphones on cricket wireless. I just...
by runner9
Tue May 26, 2015 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: iPhone with or without contract?
Replies: 30
Views: 3496

Re: iPhone with or without contract?

and if you're on Cricket and use the whole 2.5 MB it's just slower after that. It's not an extra fee or stops working, it just slows down the rest of the month.
by runner9
Mon May 25, 2015 7:49 am
Forum: Personal Finance (Not Investing)
Topic: iPhone with or without contract?
Replies: 30
Views: 3496

Re: iPhone with or without contract?

I have a Verizon phone that has completed the 2 year term and past the early termination fee. I'm going to buy an iPhone 6 outright and replace the out-of-contract phone with it, monthly bill will stay exactly the same - I'm out the cost of the phone. I'll toss the old phone in a drawer or maybe se...
by runner9
Sun May 24, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Calculation? Help!
Replies: 19
Views: 1281

Re: Mortgage Payoff Calculation? Help!

We called the mortgage holder and they calculated the final payment, with recording fee, if paid on a certain date. They also processed it separately, however it was an early, not 1st of the month payment.
by runner9
Sat May 23, 2015 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: iPhone with or without contract?
Replies: 30
Views: 3496

Re: iPhone with or without contract?

Just do the math. Us:

$599 for new unlocked iphone 5S plus $35 a month on cricket after auto pay discount totals 1439 after 2 years.

On Verizon, $99 for phone plus $100 a month for 2 years totals: 2499.

Difference no-contract is 65 each month going forward beyond 2 years.

It was an easy decision.
by runner9
Mon May 18, 2015 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to deposit a large check long distance?
Replies: 20
Views: 1738

Re: How to deposit a large check long distance?

Ally allows $50K per check/day. Maybe open with them, then transfer if it's less than that.
by runner9
Mon May 18, 2015 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Just about had it with Fidelity AX
Replies: 8
Views: 1120

Re: Just about had it with Fidelity AX

tainted-meat wrote:I have had mine set up on full autopay since I got it in 2010.

I've not experienced any of the issues you have had.


Exactly the same here.
by runner9
Sun May 17, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: 2 different Cree LED Daylight 60W equivelent bulb options
Replies: 26
Views: 2665

Re: 2 different Cree LED Daylight 60W equivelent bulb options

I have both types of Cree bulbs. The 4Flow are the newer generation that came out in November. They have been able to ditch the expensive and heavy heatsink in the new model. I have the new bulb in several fixtures, and it is working out very well. In addition, I have had very good experience with ...

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