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by runner9
Wed May 27, 2015 5:18 pm
Forum: Personal Consumer Issues
Topic: Money and cell phones when traveling to Canada
Replies: 24
Views: 754

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: 24
Views: 754

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: 24
Views: 754

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: 29
Views: 2779

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: 29
Views: 2779

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: 1010

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: 29
Views: 2779

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: 1595

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: 990

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: 25
Views: 1892

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 ...
by runner9
Sun May 17, 2015 12:58 pm
Forum: Personal Consumer Issues
Topic: 2 different Cree LED Daylight 60W equivelent bulb options
Replies: 25
Views: 1892

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

Here's one for $4.97 from home depot http://www.homedepot.com/p/Cree-60W-Equivalent-Soft-White-2700K-A19-Dimmable-LED-Light-Bulb-BA19-08027OMF-12DE26-2U100/204592770?N=5yc1vZbol#customer_reviews Looks like the diff is the 2700k vs the 5000k which I guess is a difference in color temperatures.. what...
by runner9
Sun May 17, 2015 10:44 am
Forum: Personal Consumer Issues
Topic: 2 different Cree LED Daylight 60W equivelent bulb options
Replies: 25
Views: 1892

2 different Cree LED Daylight 60W equivelent bulb options

I've been buying these bulbs and replacing other bulbs with them as they burn out. I'm happy with them, wish they were cheaper but that's ok. http://www.homedepot.com/p/Cree-60W-Equivalent-Daylight-5000K-A19-Dimmable-LED-Light-Bulb-BA19-08050OMF-12DE26-2U100/204476611 Lately I've been seeing this ot...
by runner9
Sun May 17, 2015 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Buying house from family member
Replies: 13
Views: 1035

Re: Buying house from family member

Would you be paying all cash or taking out a mortgage?
by runner9
Sat May 16, 2015 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Teacher retirement accounts
Replies: 7
Views: 922

Re: Teacher retirement accounts

Are you eligible for this plan? http://www.varetirement.org/dcp.html I don't know much about it but it says it's for "Salaried and wage employees who work for state agencies or for political subdivisions and school divisions that offer the plan." Fees looks low: http://www.icmarc.org/prebu...
by runner9
Thu May 14, 2015 5:17 am
Forum: Investing - Theory, News & General
Topic: 403(b) & 457 combined contribution limits (2 employers)
Replies: 7
Views: 518

Re: 403(b) & 457 combined contribution limits (2 employers)

Even if you had only one employer: you can max a 403b AND 457 each year, as long as your total income is more than that of course.
by runner9
Tue May 12, 2015 6:11 pm
Forum: Personal Consumer Issues
Topic: Toronto Vacation - Finding a hotel
Replies: 36
Views: 2169

Re: Toronto Vacation - Finding a hotel

OP here. Can cancel by 3pm on June 4. Staying there June 7-10, three nights.
by runner9
Mon May 11, 2015 12:22 pm
Forum: Personal Consumer Issues
Topic: Preventing people from disturbing wet sidewalk cement.
Replies: 13
Views: 1275

Re: Preventing people from disturbing wet sidewalk cement.

"This site under constant video surveillance, please do not disturb or deface the sidewalk"
by runner9
Fri May 08, 2015 10:51 am
Forum: Personal Consumer Issues
Topic: Toronto Vacation - Finding a hotel
Replies: 36
Views: 2169

Re: Toronto Vacation - Finding a hotel

I believe you will be charged foreign transaction fees if you charge the hotel on-line, depending on your CC. I use a USAA Visa which doesn't have foreign transaction fees. I think there Capital One cards without them, too. OP here. I called Fidelity AMEX, they said if Expedia sends it to them in U...
by runner9
Thu May 07, 2015 7:16 am
Forum: Personal Consumer Issues
Topic: Backyard playsets - worth it?
Replies: 22
Views: 2572

Re: Backyard playsets - worth it?

Do you mean to stain it every year or seal/waterproof it?

I think there's a better alternative to Thompson's (less frequent application) but I can't find it right now.
by runner9
Thu May 07, 2015 7:12 am
Forum: Personal Consumer Issues
Topic: Looking to Retire in Cleveland
Replies: 32
Views: 2497

Re: Looking to Retire in Cleveland

Akron, Canton, East Cleveland are not representative of the many, many suburbs and other areas of the greater Cleveland area. I wouldn't live in East Cleveland or many areas of Cleveland either. That said Tremont, Lakewood, and many, many suburbs both inside Cuyahoga County and outside are very nice...
by runner9
Wed May 06, 2015 10:49 am
Forum: Forum Issues and Administration
Topic: UI issues (especially iPad)? please evaluate alternate styles
Replies: 41
Views: 2451

Re: UI issues (especially iPad)? please evaluate alternate styles

shel wrote:On my regular computer (not a tablet) I use firefox and with the new changes, have a large gothic print with little space between lines and is hard to read.

slk


+1 Agreed. In Firefox it's all squished together and hard to read
by runner9
Tue May 05, 2015 7:31 pm
Forum: Personal Consumer Issues
Topic: Toronto Vacation - Finding a hotel
Replies: 36
Views: 2169

Re: Toronto Vacation - Finding a hotel

Thanks all. We just booked at "Best Western Roehampton Hotel & Suites" located at 808 Mount Pleasant Road Toronto ON M4P2L2. http://www.expedia.com/Toronto-Hotels-Best-Western-Roehampton-Hotel-Suites.h24114.Hotel-Information It was a good price ($127 refundable a night) and only $18 CA...
by runner9
Tue May 05, 2015 4:19 pm
Forum: Personal Consumer Issues
Topic: Toronto Vacation - Finding a hotel
Replies: 36
Views: 2169

Re: Toronto Vacation - Finding a hotel

That's all. We'll be driving to Toronto, so we do need some parking situation for our car.
by runner9
Tue May 05, 2015 11:56 am
Forum: Personal Consumer Issues
Topic: Backyard playsets - worth it?
Replies: 22
Views: 2572

Re: Backyard playsets - worth it?

Sounds like you could just hang everything from the porch.

Regardless, our now 5 year old has spent 85% of the time either in the sandbox or on the swing.
by runner9
Tue May 05, 2015 11:27 am
Forum: Personal Consumer Issues
Topic: Looking to Retire in Cleveland
Replies: 32
Views: 2497

Re: Looking to Retire in Cleveland

Lakewood is a bit different then other suburbs, it might be what you're looking for. East Cleveland has big problems, I'd stay away. Shaker Hts, University Hts, Cleveland Hts are high property tax areas, if that matters.
by runner9
Mon May 04, 2015 3:24 pm
Forum: Personal Consumer Issues
Topic: Toronto Vacation - Finding a hotel
Replies: 36
Views: 2169

Toronto Vacation - Finding a hotel

We're planning a few days in Toronto on vacation in early June with our 5 year old. We want to at least see the CN Tower, Ripley's Aquarium of Canada, Ontario Science Center and Centre Island/Centreville Amusement Park. I've searched time and again and am struggling with where to stay. Three of the ...
by runner9
Mon May 04, 2015 3:18 pm
Forum: Personal Consumer Issues
Topic: Roof shingle selection
Replies: 20
Views: 1904

Re: Roof shingle selection

I've been following this thread and we're getting estimates for our own, whole roof, replacement. A few questions: The first response links to 2009 Consumer Reports rankings, and that's all that's listed in their 5 year index. The guide on their site is just general info. Any place for good more rec...
by runner9
Wed Apr 29, 2015 8:04 am
Forum: Personal Consumer Issues
Topic: 2 iphones on 1 itunes account experiences?
Replies: 18
Views: 1228

Re: 2 iphones on 1 itunes account experiences?

OP here, thanks all. I don't know why I missed this page when I was searched. Thanks for the link and comments, this sounds like the way to go:

https://www.apple.com/ios/whats-new/family-sharing/
by runner9
Tue Apr 28, 2015 2:22 pm
Forum: Personal Consumer Issues
Topic: 2 iphones on 1 itunes account experiences?
Replies: 18
Views: 1228

2 iphones on 1 itunes account experiences?

On one itunes account on our computer we currently have my wife's iphone, her ipad and my ipod nano. I'm going to break down and get an iphone and am hoping to have it on the same account. This way we could share music and apps, but hopefully keep imessages, phone contacts, etc separate; different p...
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: 37
Views: 10133

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 7:00 am
Forum: Personal Consumer Issues
Topic: New Water Heater
Replies: 42
Views: 3952

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
Thu Apr 23, 2015 5:02 pm
Forum: Personal Consumer Issues
Topic: Blacktop Driveway Sealing
Replies: 20
Views: 1695

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 7:18 am
Forum: Personal Consumer Issues
Topic: Blacktop Driveway Sealing
Replies: 20
Views: 1695

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
Tue Apr 21, 2015 10:22 am
Forum: Personal Consumer Issues
Topic: New Water Heater
Replies: 42
Views: 3952

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
Sun Apr 19, 2015 5:01 pm
Forum: Personal Consumer Issues
Topic: Anyone built a [LEED] rated green house?
Replies: 13
Views: 808

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
Fri Apr 17, 2015 8:25 am
Forum: Personal Consumer Issues
Topic: How do you quickly cool food?
Replies: 34
Views: 2566

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
Tue Apr 14, 2015 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Ohio 529s - One Child
Replies: 7
Views: 691

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 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: [How long to] Wait For Employment Offer
Replies: 12
Views: 1087

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 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Ohio 529 Plan
Replies: 3
Views: 271

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 8:16 am
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5691

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 8:08 am
Forum: Investing - Theory, News & General
Topic: Maryland prepares for $200M hit from Supreme Court tax case
Replies: 4
Views: 820

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

May this be off topic, against board rules, or unactionable?
by runner9
Mon Apr 13, 2015 2:19 pm
Forum: Forum Issues and Administration
Topic: Private messages in outbox
Replies: 4
Views: 625

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
Sat Apr 11, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 4439

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
Fri Apr 10, 2015 9:02 pm
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5314

Re: On a budget and Friday night

Redbox.
by runner9
Wed Apr 08, 2015 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 4439

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 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 4439

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
Mon Apr 06, 2015 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance?
Replies: 10
Views: 955

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...

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