Search found 1438 matches

Return to advanced search

Re: 2 million dollar mistake meeting with MIL's financial gu

Or Read "Where Are the Customers' Yachts" a 50+ year old book that's excellent.

Where are the customers' yachts? there are none, only their sales people/advisers can afford yachts!
by runner9
Fri Apr 24, 2015 7:14 am
 
Forum: Personal Finance (Not Investing)
Topic: 2 million dollar mistake meeting with MIL's financial guy
Replies: 23
Views: 4929

Re: New Water Heater

I've got these under my sinks, in the water heater pan, in the A/C pan and behind my washing machine. One of these alerted me to a failing water heater. http://www.amazon.com/Zircon-Leak-Alert-Electronic-Batteries/dp/B002Q8GRPG/ I put one in my water heater pan a few years ago. Helps me sleep a lit...
by runner9
Fri Apr 24, 2015 7:00 am
 
Forum: Personal Consumer Issues
Topic: New Water Heater
Replies: 41
Views: 3008

Re: Blacktop Driveway Sealing

Thanks all. I'm going to tell her the consensus is that every 2 years is normal but the quote seems high (without considering sq. footage), and getting a second quote and/or considering letting my do it DIY would be recommended.
by runner9
Thu Apr 23, 2015 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Blacktop Driveway Sealing
Replies: 20
Views: 1514

Blacktop Driveway Sealing

I’m trying to get some advice for my mom, widowed a year, about her blacktop driveway. My house has concrete, so I don’t any anything about this. They moved in in 1987, I remember the driveway top layer was almost like peeling and my dad was told the previous owners had sealed it every year which wa...
by runner9
Thu Apr 23, 2015 7:18 am
 
Forum: Personal Consumer Issues
Topic: Blacktop Driveway Sealing
Replies: 20
Views: 1514

Re: New Water Heater

I've never done that. We've been in our house nearly 8 years and our NG tank is 22 years old, AO Smith. May replace this summer....
by runner9
Tue Apr 21, 2015 10:22 am
 
Forum: Personal Consumer Issues
Topic: New Water Heater
Replies: 41
Views: 3008

Re: Anyone built a [LEED] rated green house?

To find people that are more experianced with green houses I'd suggest going to http://www.greenbuildingadvisor.com
by runner9
Sun Apr 19, 2015 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Anyone built a [LEED] rated green house?
Replies: 13
Views: 751

Re: How do you quickly cool food?

I agree with a few above, why are you boiling it? It should only need heated, as far as I know.
by runner9
Fri Apr 17, 2015 8:25 am
 
Forum: Personal Consumer Issues
Topic: How do you quickly cool food?
Replies: 34
Views: 2432

Re: Multiple Ohio 529s - One Child

What's the benefit of this? To get an extra deduction on an extra 2K each year now, instead of using them in the future? You can put more than 2K in a year, just not get an income tax benefit immediately. As Ohio's current income scale is 9 brackets and the highest is 5.333% the most you're paying o...
by runner9
Tue Apr 14, 2015 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Multiple Ohio 529s - One Child
Replies: 7
Views: 658

Re: [How long to] Wait For Employment Offer

I'd wait a couple days and then call, ask if an offer is forthcoming as you're considering applying elsewhere if it's going to work out there.

Just my $0.02.
by runner9
Tue Apr 14, 2015 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: [How long to] Wait For Employment Offer
Replies: 12
Views: 1050

Re: Ohio 529 Plan

What about one of the Age Based Options? That's what we have.

http://www.collegeadvantage.com/ohio-52 ... ed-options

As for moving money from elsewhere, are you talking about moving from a taxable account, or an IRA, etc?
by runner9
Tue Apr 14, 2015 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ohio 529 Plan
Replies: 3
Views: 251

Re: How does this site make money?

airahcaz wrote: Does anyone know what Bogle actually does think about all this?


viewtopic.php?f=9&t=149646

And click on his username to see all 15 posts.
by runner9
Tue Apr 14, 2015 8:16 am
 
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5408

Re: Maryland prepares for $200M hit from Supreme Court tax c

May this be off topic, against board rules, or unactionable?
by runner9
Tue Apr 14, 2015 8:08 am
 
Forum: Investing - Theory, News & General
Topic: Maryland prepares for $200M hit from Supreme Court tax case
Replies: 4
Views: 787

Re: Private messages in outbox

I believe this means it hasn't been read by the recipient, but I'm not positive of this...
by runner9
Mon Apr 13, 2015 2:19 pm
 
Forum: Forum Issues and Administration
Topic: Private messages in outbox
Replies: 4
Views: 525

Re: making the switch to Ally Bank

. That said why would anyone need more than withdrawals unless they are trying to use their savings account as a checking account. Agreed. Every 2 weeks is our payday, it gets deposited into checking and I calculate what to keep in checking, moving the rest to savings. Only things that come out of ...
by runner9
Sat Apr 11, 2015 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 4165

Re: On a budget and Friday night

Redbox.
by runner9
Fri Apr 10, 2015 9:02 pm
 
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5098

Re: making the switch to Ally Bank

I think ACH took 2-4 days from outside bank to Ally. For a check made out from outside bank to deposit at Ally, if deposited before 4pm Eastern it's first $200 there the next morning, the rest the morning after that.
by runner9
Wed Apr 08, 2015 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 4165

Re: making the switch to Ally Bank

Except for not being able to make cash deposits, no issues here. Our only bank for nearly a year.

To move money back and forth in the process I found it easier and faster to write myself a check from the old brick/mortar bank and deposit it via the iphone app over ACH or other transfer.
by runner9
Wed Apr 08, 2015 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 4165

Re: Refinance?

What is left with PenFed right now, 4 days from closing? When we used them building up to closing had some frustrating times, but closing went smoothly and we had no issues with the servicing of the mortgage, or with closing it early. The finish line is in sight, unless there is some big hurdle left...
by runner9
Mon Apr 06, 2015 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance?
Replies: 10
Views: 910

Re: Is this a Health Reimbursement Account?

Thanks. Entering a year's worth of receipts, etc. including scanning each is going to take some time and is somewhat overwhelming for my surviving parent. I think once all is caught up we'll discuss filing more often, or having some directly paid by the account. We have a Flexible Spending Account f...
by runner9
Sat Apr 04, 2015 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is this a Health Reimbursement Account?
Replies: 2
Views: 195

Is this a Health Reimbursement Account?

When my surviving parent retired from public teaching the district had in place for new retirees, as an incentive, a plan where the district put X (about 5k) a year into an account to pay out of pocket medical expenses. This is occurring each year for 10 years and what's not used is rolling over eac...
by runner9
Sat Apr 04, 2015 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is this a Health Reimbursement Account?
Replies: 2
Views: 195

Re: My attic air leak blocking checklist

Just a follow up....after a lot of dusty, at times sweaty, cramped work I'm almost done air sealing. A video on air sealing and insulating online said something like "you don't earn the right to blow insulation till the hard work is done, air sealing" That it's been. Off this past week I'v...
by runner9
Fri Apr 03, 2015 5:09 pm
 
Forum: Personal Consumer Issues
Topic: My attic air leak blocking checklist
Replies: 24
Views: 1981

Re: phone warranty and unlocked iPhone

We bought an unlocked iphone 5S directly at a Apple Store nearly a year ago and have had it on Cricket Wireless ever since. It's great, no issues with phone or Cricket. (actually on aio wireless for a few weeks, then they merged with Cricket)
by runner9
Wed Apr 01, 2015 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: phone warranty and unlocked iPhone
Replies: 3
Views: 445

Re: Mutual fund being liquidated

Just to double check, this is in a taxable account, correct? As opposed to an IRA, 401k, etc.
by runner9
Wed Apr 01, 2015 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Mutual fund being liquidated
Replies: 9
Views: 1182

Re: VBLTX March '15 Dividend

Vanguard lists it as payable 4/1/15, which to me means overnight tonight:

https://personal.vanguard.com/us/funds/ ... =INT#tab=4
by runner9
Wed Apr 01, 2015 7:33 am
 
Forum: Investing - Help with Personal Investments
Topic: VBLTX March '15 Dividend
Replies: 2
Views: 475

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: 1827

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: 1827

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: 1938

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: 887

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: 509

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: 509

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: 24
Views: 1981

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: 1167

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: 828

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: 4628

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: 12457

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: 666

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: 666

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: 24
Views: 1981

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: 1620

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: 24
Views: 1981

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: 24
Views: 1981

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: 24
Views: 1981

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: 24
Views: 1981

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: 24
Views: 1981

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: 24
Views: 1981

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: 24
Views: 1981

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: 24
Views: 1981

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: 10231

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: 2987

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: 576
Next

Return to advanced search

cron