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Re: Paid off our Mortgage this evening!

Thanks, all. Yesterday we got a form letter from PenFed that it's paid off, as long as funds clear. Feeling a bit more real! PenFed did not make us escrow, so we've been paying our own homeowner's insurance and property tax. I do have one question -- what are those two blips on your chart which show...
by runner9
Fri Nov 21, 2014 6:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 70
Views: 6700

Re: Dashboard Cameras

by runner9
Thu Nov 20, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Anybody using dash cameras?
Replies: 30
Views: 5540

Re: Suggestions for the Wiki

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=151267&p=2265522

Based on how this thread is going, guessing the page needs modified in the wiki.
by runner9
Thu Nov 20, 2014 8:34 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 278
Views: 103816

Re: Question about California Teachers Pension

Yes, but look at it differently. A company has a retirement plan, you contribute some of your wages and they match. They consider it a cost of doing business, or a part of your total compensation. CalPERS is the same way. All teacher's compensation is from taxpayers, both direct pay and "match&...
by runner9
Wed Nov 19, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about California Teachers Pension
Replies: 12
Views: 1207

Re: Vanguard launches new offering ... [Vanguard merchandise

I can put magnets on the back of the car, above the bumper. That said, I don't want to advertise that to all who see my car.
by runner9
Wed Nov 19, 2014 8:40 am
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 98
Views: 9285

Re: Paid off our Mortgage this evening!

OP here. Thank you for all the kind messages :D Only breathing better because I had the day off, cleaned the house and replaced the furnace filter :wink: The last payment was a bit under $3,300 and included a $35.75 "release fee." The money was in savings at Ally, then transferred to PenFe...
by runner9
Tue Nov 18, 2014 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 70
Views: 6700

Re: Promo Items

Is it by chance the list discussed here?

http://www.bogleheads.org/forum/viewtopic.php?f=11&t=150706
by runner9
Tue Nov 18, 2014 7:33 am
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 98
Views: 9285

Re: VBS upgrade roll out has started

I'd be fine to switch once some issues are worked out. I'm use to sites (like Yahoo mail) giving the option to decline for several months, then hiding the decline on a buried page, then setting a date you must switch. That way others can work out the problems. Eventually we'll download iOS8 for our ...
by runner9
Tue Nov 18, 2014 6:22 am
 
Forum: Personal Finance (Not Investing)
Topic: VBS upgrade roll out has started
Replies: 92
Views: 13120

Re: VBS upgrade roll out has started

I got the e-mail last week, "Action requested on your accounts by XX, 2014" It seems like there's little benefit if I had no complaints and the possibility for downsides, lost ability to do things I can do now, etc.

So, how do I decline it? Just let it pass? Call the rep and say no thanks?
by runner9
Mon Nov 17, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: VBS upgrade roll out has started
Replies: 92
Views: 13120

Paid off our Mortgage this evening!

Today my wife and I are paying off our mortgage! We couldn’t be happier, especially me:) Here’s a graph of our monthly mortgage balance: http://i60.tinypic.com/mmfnur.jpg Feel free to stop reading there, otherwise some background for those interested: We bought our home in May, 2007. It’s our first ...
by runner9
Mon Nov 17, 2014 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 70
Views: 6700

Re: FSA gains $500 rollover feature

It's weird to me, my employer has the same outside company for both Dependent Spending and Flex Spend for healthcare. (same for both plans, not same as OP as far as I know) Dependent Care can only be paid out after deducted from paychecks. So, right now I get a paper check every two weeks when they ...
by runner9
Mon Nov 17, 2014 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: FSA gains $500 rollover feature
Replies: 42
Views: 3706

Re: [Should I] rent out [my] house [for a 3-day event]?

(not a political post, just mentioning a group) The GOP Convention is in Cleveland in 2016, we don't even know the exact dates. There's already a market for rentals, though many believe it's inflated and they'll head downward by then. (market defined as places listed as available, no idea if there's...
by runner9
Mon Nov 17, 2014 5:17 pm
 
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 67
Views: 3770

Re: 75w LED bulb in a 60w socket?

Cree bulbs I've bought have a message on them that all bulbs in an enclosed fixture need to be LED, or none do. No mixing of LED and CFL in incandescent in enclosed fixtures.
by runner9
Mon Nov 17, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: 75w LED bulb in a 60w socket?
Replies: 14
Views: 1965

Re: Stores with $1 gift cards/certifcates?

This is for a school, we can't give cash out. That would make it easy though!
by runner9
Mon Nov 17, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Stores with $1 gift cards/certifcates?
Replies: 3
Views: 466

Stores with $1 gift cards/certifcates?

I have a program for student rewards that we set up with one reward option to be $1 gift certificates from McDonalds. Turns out McDonalds doesn't have these anymore, the smallest amount they have is $5. So, now I'm trying to find another store that sells $1 gift cards/certificates. Any ideas? Prefer...
by runner9
Mon Nov 17, 2014 9:45 am
 
Forum: Personal Consumer Issues
Topic: Stores with $1 gift cards/certifcates?
Replies: 3
Views: 466

Re: How To Invest Your Emergency Fund?

Ours is $10K in ibonds, $20K in an Ally 5 year CD paying 1.89% and $7.5K mostly in Ally Savings (0.9%) with a little in Ally Checking (0.1%)
by runner9
Sun Nov 16, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 55
Views: 6816

Re: 10% off Target GiftCards - Black Friday Preview

I saw this online last week and hope to take advantage. I have a doctor appt. at 10am that day so hopefully online before then, otherwise I'll try in store after but not if it's totally, totally crazy. Not sure about the poster mentioning being open on Thanksgiving. True, this promotion is Friday am...
by runner9
Sun Nov 16, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: 10% off Target GiftCards - Black Friday Preview
Replies: 14
Views: 2329

Re: Hoa resurrection

They have elected a new board. Fortunately they have set the new dues at only 25 bucks a year, i am just concerened about the potential hassles of being told my grass is an inch too high, plus there is always the potential of the dues increasing. Thanks everyone for your insights. Mike They meaning...
by runner9
Sun Nov 16, 2014 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA resurrection
Replies: 35
Views: 2938

Re: Toyota Class Action Settlement Check, Cash or Not

Not directly what you're asking, but possibly posting the site or link that's giving 404 errors, maybe others will have different results or suggestions from that route.

If it was a recall did you get it fixed?
by runner9
Sun Nov 16, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: Toyota Class Action Settlement Check, Cash or Not
Replies: 16
Views: 2328

Re: Shower silicone replacement - Price? DIY?

Do you want it to look nice?

If not I'd say go for it. Worst that happens is you remove the old, put in new that looks bad and then call and have a pro do it.

I'd guess the hardest part is making it look like a nice bead. Some You Tube videos might help.
by runner9
Sun Nov 16, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: Shower silicone replacement - Price? DIY?
Replies: 27
Views: 1637

Re: Question re: transferring Fidelity IRA to Vanguard!

https://www.fidelity.com/why-fidelity/pricing-fees

A $50 account close out fee may apply.


Probably best to call and see what Fidelity means when Fidelity writes "may"
by runner9
Sat Nov 15, 2014 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question re: transferring Fidelity IRA to Vanguard!
Replies: 10
Views: 1189

Re: Experience with Target Redcard?

Target also has a prepaid card issued by American Express that gets the 5% back. It is similar, but not identical to the Bluebird issued by Walmart/American Express. It has no monthly fee, and if loaded with cash or through a bank account, it appears it can be used at no cost to get the 5% discount...
by runner9
Sat Nov 15, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 30
Views: 2710

Re: Bogleheads not found easily in Google

Bogleheads should be 1st when Bogleheads is tried, the OP is trying to type "investment forum" and get Bogleheads to come up.
by runner9
Thu Nov 13, 2014 2:42 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads not found easily in Google
Replies: 30
Views: 2894

Re: Bogleheads not found easily in Google

1st response here as well.
by runner9
Thu Nov 13, 2014 2:26 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads not found easily in Google
Replies: 30
Views: 2894

Re: Vanguard launches new offering ...

You're right! I didn't look at all the little photos. Thanks.
by runner9
Thu Nov 13, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 98
Views: 9285

Re: Whole Life Insurance vs. 401k Contributions

Run away from Whole Life plans. They only make money for the salesman, at least compared to other options.
by runner9
Thu Nov 13, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Whole Life Insurance vs. 401k Contributions
Replies: 59
Views: 3662

Re: Vanguard launches new offering ...

I like the "Retiree in training" shirt, but I'd have to be careful where I wore it. People at work might get the wrong impression. The big " V " shirt makes me think it should come with a Guy Fawkes mask. None jumped out at me though I wish one had. I liked the Retiree in Traini...
by runner9
Thu Nov 13, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 98
Views: 9285

Re: Local bank without any checking account fees?

Since I'm in Ohio, can I ask what bank you're referring to? Feel free to PM if you'd prefer. We just switched to Ally for everything. For cash, I can't foresee having a lot but if so a Money Order is 59 cents at the local store, then deposit like a regular check. That's my plan at least, not forese...
by runner9
Wed Nov 12, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Local bank without any checking account fees?
Replies: 31
Views: 2227

Re: Local bank without any checking account fees?

Since I'm in Ohio, can I ask what bank you're referring to? Feel free to PM if you'd prefer. We just switched to Ally for everything. For cash, I can't foresee having a lot but if so a Money Order is 59 cents at the local store, then deposit like a regular check. That's my plan at least, not foresee...
by runner9
Wed Nov 12, 2014 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Local bank without any checking account fees?
Replies: 31
Views: 2227

Re: nuts and bolts of rolling over 403b

BuckyBadger wrote:I'm hoping that the tax forms I have to fill out won't blow my mind!


Glad it worked out for you! Maybe I'm ignorant, but what tax forms does this transfer? Looks like roth to roth and traditional to traditional.
by runner9
Tue Nov 11, 2014 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: nuts and bolts of rolling over 403b
Replies: 9
Views: 651

Re: email notifications

My personal experience is anytime there's a reply you get an e-mail. The next e-mail doesn't come until you've clicked the link in that reply. So, if I don't click it for 2 days no other e-mails come and there might be just the 1 reply or 50 replies. Next reply after clicking gets a new e-mail. Othe...
by runner9
Sun Nov 09, 2014 9:15 am
 
Forum: Forum Issues and Administration
Topic: email notifications
Replies: 2
Views: 429

How long to keep Health EOB and clinic statements?

As I organize and file paperwork I'm realizing my laterial file these papers go into is getting kind of full. I've looked on this site and online and want to double check my thinking. We don't have a HSA so I'm not talking about that, there's nothing tax related involved. Every 2 weeks or so we get ...
by runner9
Sat Nov 08, 2014 7:12 am
 
Forum: Personal Finance (Not Investing)
Topic: How long to keep Health EOB and clinic statements?
Replies: 2
Views: 388

Re: Your very first email

Not my first, but in the late 90s and early 00s in college we had a basic program called PINE ( http://en.wikipedia.org/wiki/Pine_%28email_client%29 )that I liked. They went web-based for college e-mail but kept PINE going which I used until graduation. It was basic, fast and easy to learn.
by runner9
Thu Nov 06, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Your very first email
Replies: 60
Views: 2371

Re: The 4-year mortgage payoff plan

Yep, still here:)

Congrats! We'll be following soon behind you (with a separate thread of course!) I personally don't feel our mortgage to be "indentured servitude" but since you do all the better and more congrats that you're paying it off!
by runner9
Thu Nov 06, 2014 6:11 am
 
Forum: Personal Finance (Not Investing)
Topic: The 4-year mortgage payoff plan
Replies: 121
Views: 19685

Re: PenFed Visa card for Gas program changing, now with a fe

I called and asked/double checked that $25 in a Money Market Savings would work for keeping the 5% and asked if the $5 share account would count if upped to $25. She told me they were different, needed the money market. I'm guessing she would have said if I didn't need either. I also believe the web...
by runner9
Wed Nov 05, 2014 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa card for Gas program changing, now with a fee.
Replies: 132
Views: 30361

Re: PenFed Visa card for Gas program changing, now with a fe

As we get ready to pay off our 5/5ARM mortgage with PenFed I remembered this thread and that we'll need another qualifying product to get 5% back. The current info page lists: **You can earn 5.00% on gas purchases paid at the pump and avoid an annual fee by obtaining a qualifying PenFed product: Act...
by runner9
Tue Nov 04, 2014 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa card for Gas program changing, now with a fee.
Replies: 132
Views: 30361

Re: Question for AXA Financial Rep

Thanks, I decided to just stay quite.

They talked mostly about STRS changes (our state pension program) and how they'd walk people through it. Why one wouldn't just go to STRS directly I don't know but we were behind schedule anyway, so to each their own.
by runner9
Tue Nov 04, 2014 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: Question for AXA Financial Rep
Replies: 10
Views: 871

Dish Network and CNN

Dish Network has been missing CNN and Headline News for a few weeks now because of a contract dispute. I called the 800 number this morning and said that I know there are 2 sides to each issue but I am disappointed to not be able to watch election coverage tonight on CNN. She apologized, said they'v...
by runner9
Tue Nov 04, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: Dish Network and CNN
Replies: 6
Views: 661

Re: Pen Fed Lowers November rate

All of your links are missing the end, and go the same page that doesn't exist:

https://www.depositaccounts.com/blog/20
by runner9
Mon Nov 03, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pen Fed Lowers November rate
Replies: 3
Views: 1001

Re: Time Zone [Changing the displayed time]

Just thought it would be a good morning to bump this thread up to the top:)

For me the prior status is the same: changing as suggested changes on the board and thread pages, but the main page is still an hour behind.
by runner9
Sun Nov 02, 2014 6:53 am
 
Forum: Forum Issues and Administration
Topic: Time Zone [Changing the displayed time]
Replies: 44
Views: 8833

Re: 22 year old trying to get a grasp on personal finance.

Some people thing renting is throwing rent money away.

I consider owning can be considered to throwing interest part of the mortgage payment away, along with any utilities that were included in rent.

(That said we own, but we rented for about 4 years first and saved up a large down payment)
by runner9
Sat Nov 01, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: 22 year old trying to get a grasp on personal finance.
Replies: 20
Views: 1330

Re: Question for AXA Financial Rep

Thanks all. I suggested to admin that I would have issues being quiet, half jokingly, half serious. It was then suggested to ask a question, they were begging to come present to us anyway. There will be probably about 20 people if that at the meeting. It doesn't matter what they answer to me, I'm qu...
by runner9
Fri Oct 31, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: Question for AXA Financial Rep
Replies: 10
Views: 871

Question for AXA Financial Rep

Next Tuesday we’re having an advisor/person from AXA Financial. I guess they’ve been “harassing” our union rep and to appease him we’re giving him 20 minutes in a staff meeting to talk. I privately told our rep I’d have an issue keeping my mouth shut during the meeting, he said the guy was begging t...
by runner9
Fri Oct 31, 2014 7:41 am
 
Forum: Investing - Theory, News & General
Topic: Question for AXA Financial Rep
Replies: 10
Views: 871

Re: Is $700,000 enough to retire? Opinions please .

Additionally, I read your post to mean the 700K is all tax-deferred, meaning you'll owe ordinary income tax on withdrawals, which will take out a good 10%-15%.
by runner9
Fri Oct 31, 2014 7:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 86
Views: 12471

Re: shortest mortgage available

Also not understanding why it has to be shortest. I think you really just need to look for the shortest prepayment penalty.

For instance, we got a 5/5ARM from PenFed which could go 30 years, but we'll be paying it off in 27 months (there was no penalty, though some do)
,
by runner9
Tue Oct 28, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: shortest mortgage available
Replies: 16
Views: 1958

Re: "8 Year-End Tax Moves to Make Now"

I agree with Peter. I with 4 paychecks left each for my wife and I I spent some time last year projecting/guessing are total income, are AGI and our total tax due.

Partly for fun, partly to unsure we stay in the 15% tax bracket which is a goal, and should be easily met.
by runner9
Mon Oct 27, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: "8 Year-End Tax Moves to Make Now"
Replies: 9
Views: 1927

Re: Retooling Spouse's Investment Portfolio w/ Limited Optio

From your other thread you appear to be going with this: Spartan® Total Market Index Fund - 56% (includes same holdings as extended market and small cap index along with some Real Estate) Spartan® Global ex U.S. Index Fund - 24% Spartan® U.S. Bond Index Fund -20% I'd find the best/lowest fee fund in...
by runner9
Sun Oct 26, 2014 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retooling Spouse's Investment Portfolio w/ Limited Options
Replies: 7
Views: 522

Re: Question on Selling After Tax Funds

Yes, please clarify. Among others, Roth is funded "After Tax" but is treated totally differently than a Taxable, which is also "After Tax"
by runner9
Sat Oct 25, 2014 8:39 am
 
Forum: Investing - Theory, News & General
Topic: Question on Selling After Tax Funds
Replies: 15
Views: 562
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