Search found 425 matches

by runner3081
Sun Aug 20, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Selling on Ebay - one time event
Replies: 4
Views: 446

Re: Selling on Ebay - one time event

Another note... ALWAYS ship within 24 hours of payment. Nothing frustrates buyers more than sitting on an item and not shipping it after receiving payment.
by runner3081
Sun Aug 20, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Seal off rooms that are not used?
Replies: 7
Views: 827

Re: Seal off rooms that are not used?

I am not sure if would make a big enough difference (cost wise) to take the risk that it shortens the lifespan of your HVAC.
by runner3081
Sun Aug 20, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of Having No Credit Score
Replies: 12
Views: 873

Re: Advantages of Having No Credit Score

Car insurance may be higher.
by runner3081
Sun Aug 20, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Selling on Ebay - one time event
Replies: 4
Views: 446

Re: Sellinsg on Ebay - ne time event

Have been selling for years. Start an account, take good pictures of the items and post them. You will also need a PayPal account. Check "sold" listings for the same dolls for setting your price, shoot for 10% more than what they sell for. Don't do auctions, do the "fixed price" listings with best o...
by runner3081
Sun Aug 20, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 32
Views: 1252

Re: Safe car for wife and baby

I would go to the SUV, rather than a larger sedan.
by runner3081
Sun Aug 20, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Best place to sell my used iPhone?
Replies: 13
Views: 996

Re: Best place to sell my used iPhone?

I have sold over 50 phones on Craigslist, OfferUp and Facebook Marketplace. For the more expensive ones, I always meet at a corp owned carrier store (Verizon, Sprint, etc). The buyer then has piece of mind that the phone activates and you are good to go. For the cheaper phones, gas station, parked r...
by runner3081
Sun Aug 20, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Leveraging minority ownership into healthcare?
Replies: 11
Views: 748

Re: Leveraging minority ownership into healthcare?

Here's another question -- if the LLC agrees to our plan for 2 & 1/2 years, would H actually be eligible for COBRA after that? Assuming that H retires now. I'm thinking that he would have to maintain some kind of employment status with the LLC to be eligible for COBRA 2 &1/2 years from now... This ...
by runner3081
Sun Aug 20, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: sheets for older, thinner mattresses?
Replies: 9
Views: 532

Re: sheets for older, thinner mattresses?

Could always try sheet clips as a cheaper alternative.

Wally World has these for $1.36

https://www.walmart.com/ip/Mainstays-Ad ... k/16677216
by runner3081
Sun Aug 20, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: How do you watch movies? (Theater, online streaming, DVD, etc.)
Replies: 16
Views: 806

Re: How do you watch movies? (Theater, online streaming, DVD, etc.)

All streaming with Amazon Prime.

Haven't been to the theater since the first Hunger Games and don't even own a DVD player.
by runner3081
Sun Aug 20, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Dental Insurance/Costs
Replies: 13
Views: 982

Re: Dental Insurance/Costs

All really depends on your insurance and the dentist. A few points data points: Delta Dental of MN Plan (which is terrible) 1) Cleanings, covered at no cost 2) Brace for night teeth grinding - Zero insurance coverage, 100% patient responsibility 3) Basic fillings are covered after a $50 deductible A...
by runner3081
Fri Aug 18, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: "Structured" Flip Flops, Slides
Replies: 18
Views: 1435

Re: "Structured" Flip Flops, Slides

I have a pair of Teva flip-flop like sandals. They have worked good for me and provide nice support.
by runner3081
Fri Aug 18, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Help with overanalyzing purchases
Replies: 17
Views: 1156

Re: Help with overanalyzing purchases

It can also be about perspective. I over analyze everything, but I don't see it as a chore. Every time I do it, yes it takes time, but I learn something new and it becomes a challenge.
by runner3081
Fri Aug 18, 2017 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage or taxable account
Replies: 28
Views: 2040

Re: Pay off mortgage or taxable account

Maybe I missed it, but didn't see an interest rate on the mortgage.

Also, might be an option to refinance to a 15-year at a lower rate, bumps it up a bit per month and then put the rest in taxable.
by runner3081
Fri Aug 18, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: Media storage solutions
Replies: 16
Views: 751

Re: Media storage solutions

I have about 10 terabytes of digital media (movies, TV, music) that I am looking for storage options for. Unless it's your own content, it's probably not worth backing up, imo (e.g., TV, big-release movies). Anything commercial is easily replaceable. So it sounds like you could whittle this down by...
by runner3081
Fri Aug 18, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Hotel availability for eclipse
Replies: 8
Views: 824

Re: Hotel availability for eclipse

Good luck, there are already 30 mile backups in Oregon. Where? I just checked google maps and don't see anything. I occasionally check ODOT's Tripcheck site, which not only has traffic information but also provides access to roadside webcams all over the state of Oregon. https://www.tripcheck.com/P...
by runner3081
Fri Aug 18, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4178

Re: Powerball - $510 million?

rec7 wrote:
Fri Aug 18, 2017 8:22 am
Question for all the folks that what to win. How do you keep you privacy at home or around town? To me it seems like people would bug you constantly.
Ditch friends and family, change name, move to Newport beach and blend in with other multi-millionaires.
by runner3081
Fri Aug 18, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Hotel availability for eclipse
Replies: 8
Views: 824

Re: Hotel availability for eclipse

Good luck, there are already 30 mile backups in Oregon.
by runner3081
Thu Aug 17, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 174
Views: 12904

Re: Lost $7000 today in ONE DAY!

Wow, cool. I don't really follow the market (no need to when indexing and DCA'ing every month automatically).

Now that I see this, will watch a bit more. Might be time to make a few "sale" purchases on funds.
by runner3081
Thu Aug 17, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Pension question: purchase 0.35 yrs of previous service?
Replies: 12
Views: 1193

Re: Pension question: purchase 0.35 yrs of previous service?

I would personally want to see the impact from purchasing the service.

Estimate of payouts without service credit
Estimate of payouts with service credit
by runner3081
Thu Aug 17, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Need a high risk option for $250
Replies: 19
Views: 2342

Re: Need a high risk option for $250

I would go and enjoy a nice dinner or maybe do a exotic automotive driving event. That way you will at least get something out of it before it disappears.
by runner3081
Thu Aug 17, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2542

Re: popcorn ceiling, removal or drywall over it?

I have to bring myself into this conversation again because removal by you may be hazardous to your and your family's health, and perhaps fatal. It disturbs me that some do think that it can't harm you and yours. I was a manager manufacturing this and paints containing asbestos. I know now how haza...
by runner3081
Thu Aug 17, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2542

Re: popcorn ceiling, removal or drywall over it?

We did pay a painter to come out, re-do the drywall seams and put up texture on the ceiling, because bare drywall with only paint looks terrible (especially with ceiling shadows and light). When the house is being built, they know popcorn is going up and don't finish the seams as they normally woul...
by runner3081
Thu Aug 17, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2542

Re: popcorn ceiling, removal or drywall over it?

I vote for having it tested and scraping it. Our first 1,200 square foot condo had popcorn ceilings everywhere. I bought a few putty knifes, drywall scrapers and a 1 gallon fertilizer sprayer and went to town. Spray it, let is set for a bit and it practically falls off. Just expect sore arms and nec...
by runner3081
Wed Aug 16, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: Best place to find jobs and how to know the pay/benefits before applying?
Replies: 22
Views: 1475

Re: Best place to find jobs and how to know the pay/benefits before applying?

In most places, benefits and pay will not be disclosed until the time of the offer. No real point of calling either. Glassdoor.com has a few starting points for salaries in companies. Online is the way to go for job searching. Most large companies won't even take in-person applications or interest.
by runner3081
Wed Aug 16, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Should I put other jobs on my resume?
Replies: 14
Views: 939

Re: Should I put other jobs on my resume?

What are you applying for?

If it is an education/training/similar position, put it on there.

Also, if it "fills" a long unemployment gap, might be worth putting it on there.

If it is completely not related, don't put it on there.
by runner3081
Wed Aug 16, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Paying directly for damage caused to someone else's car
Replies: 17
Views: 1259

Re: Paying directly for damage caused to someone else's car

mhalley wrote:
Wed Aug 16, 2017 5:02 pm
I think it is fine to pay out of pocket, but I would want a release of liability form signed in exchange for the check.
https://legaltemplates.net/form/release ... ty-waiver/
Correct, use the release. This also allows you to pay the vehicle owner directly, not the shop.
by runner3081
Wed Aug 16, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Medical/insurance - one fee per visit or one per service?
Replies: 3
Views: 360

Re: Medical/insurance - one fee per visit or one per service?

You must have good insurance. I haven't seen that type of thing for imaging studies before.
by runner3081
Wed Aug 16, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: How can I keep track of my monthly spendings?
Replies: 27
Views: 1681

Re: How can I keep track of my monthly spendings?

I log purchases each day in Google Sheets.

This way, I can do it from my phone when I am out, etc.

Going on 3 years doing this.

Tracking all expenses for a period of time is underrated.
by runner3081
Tue Aug 15, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5238

Re: Plan for making child pay for part of college

Runner01 wrote:
Tue Aug 15, 2017 8:41 pm
A quick check of Fortune 500 CEOs and board members can quickly illustrate how few CC graduates are in there.
How would you even know? My transcript from Penn State makes zero mention of the fact that I attended a community college for the first two years.
[/quote]

Same here :)
by runner3081
Tue Aug 15, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 88
Views: 4878

Re: Postal Service -- "informed delivery"

Iliketoridemybike wrote:
Tue Aug 15, 2017 3:51 pm
Do folks still get things of value in the mail? I switched everything to paperless billing. I occasionally get replacement credit or debit cards in the mail, but everything else is junk.
Less than 1% of the mail we receive is opened and not tossed in recycling immediately.
by runner3081
Tue Aug 15, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Good Banks to Avoid Fees (No minimums, etc.)
Replies: 9
Views: 602

Re: Good Banks to Avoid Fees (No minimums, etc.)

You can avoid Chase's monthly fee on the checking account with $500 direct deposit. You can set up your direct deposit and then immediately ACH the money out. I like having Chase in my life; they provide beautiful medallion signature guarantees and lollipops. ...and sometimes, cookies. You can also...
by runner3081
Tue Aug 15, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5238

Re: Plan for making child pay for part of college

I dont get this, so do you want your kids to goto college and be successful in life? Why then do you set them up for a huge amount of student loans or having to work through college thus not being able to put 100% into what you are paying for? Room and board now exceed the yearly tuition at some co...
by runner3081
Tue Aug 15, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 88
Views: 4878

Re: Postal Service -- "informed delivery"

It is so great to have scans of the ads that come to the mailbox everyday :)

We don't get many items in the mail that are not packages.
by runner3081
Mon Aug 14, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Car Rental on Current Car Insurance Policy?
Replies: 16
Views: 1164

Re: Car Rental on Current Car Insurance Policy?

No, credit card covers it.
by runner3081
Mon Aug 14, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5238

Re: Plan for making child pay for part of college

This is our plan. Fund 100% of tuition and books at a local community college for 2 years. Fund 100% of tuition and books at a university for years 3-4. If our daughter wants to start in a 4-year university, we would only pay the cost of a CC for the first 2 years. If she wants to live in a dorm or...
by runner3081
Mon Aug 14, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5238

Re: Plan for making child pay for part of college

This is our plan. Fund 100% of tuition and books at a local community college for 2 years. Fund 100% of tuition and books at a university for years 3-4. If our daughter wants to start in a 4-year university, we would only pay the cost of a CC for the first 2 years. If she wants to live in a dorm or ...
by runner3081
Mon Aug 14, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card with large cash (or cash-equivalent) sign-up bonus
Replies: 19
Views: 1804

Re: Credit card with large cash (or cash-equivalent) sign-up bonus

Not huge, but ELFCU has a $300 reward after only $1K of spend.

Did this 2 months ago, no issues at all. Membership is easy ($5 Tru Direction membership fee).

https://www.elements.org/credit-cards/
by runner3081
Mon Aug 14, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 67
Views: 4848

Re: How useful is a home security system?

I've never activated a security system although I have had houses that had them installed. Partly because I am cheap. Partly because I don't have anything much other people don't have- maybe a smaller TV than some. Partly because I have lived in places sort of upscale so I would have to be randomly...
by runner3081
Sun Aug 13, 2017 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Hsa investment account
Replies: 6
Views: 732

Re: Hsa investment account

Most HSA accounts do charge some kind of a fee. Fidelity charges one with my current employer.

There are some accounts that will waive the fee with a certain balance (ELFCU).
by runner3081
Sun Aug 13, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: What % of income to buy a car is not excessive?
Replies: 48
Views: 3262

Re: What % of income to buy a car is not excessive?

Personal preference. I probably wouldn't go above 10-15% of gross, as long as I could purchase with cash. Runner, I understand your sentiment and it is very prudent to be within that limit. But... The median new car (26K) costs about 50% of the median annual household income(52K). Even with the 3 m...
by runner3081
Sun Aug 13, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: PSA - Mute button for Gas Station TV!
Replies: 22
Views: 2674

Re: PSA - Mute button for Gas Station TV!

I assume this probably depends on the pump/tv manufacturer.
by runner3081
Sun Aug 13, 2017 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: What % of income to buy a car is not excessive?
Replies: 48
Views: 3262

Re: What % of income to buy a car is not excessive?

Personal preference. I probably wouldn't go above 10-15% of gross, as long as I could purchase with cash.
by runner3081
Sun Aug 13, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Are we house poor? [Property Tax Madness]
Replies: 79
Views: 7875

Re: Property Tax Madness

Keep in mind that land > house value in most places. If you are very near a desirable area, the land values could be increasing.

As far as appealing or not, there isn't a downside to having the valuation lowered. Simply means lower taxes for you.
by runner3081
Sun Aug 13, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 43
Views: 3236

Re: Just saved $1000 / year on mobile plan

Haven't paid for cell phone service in nearly 1.5 years for my wife and I :)

On a more related note, this was posted here before. viewtopic.php?t=225305

Called my dad and he signed up, very simple and their bill was cut in about half.
by runner3081
Sun Aug 13, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Alternatives/choices with ambulance or rescue squad
Replies: 25
Views: 1098

Re: Alternatives/choices with ambulance or rescue squad

Uber. Serious. I had a health scare and needed ambulance transport to the hospital, 4.7 miles, $1.2K with no real medical care needed in transport. That was the biggest financial mistake I have made in a long time. If you do call 911 (varies by area), the fire department would come out, triage and t...
by runner3081
Sun Aug 13, 2017 7:12 am
Forum: Investing - Help with Personal Investments
Topic: CD vs car-loan payment
Replies: 12
Views: 1292

Re: CD vs car-loan payment

You already listed it, the Ally No Penalty 11-Month CD w/25K deposit is 1.5%.

Very popular on the forums.

The answer to your questions comes down to the interest rate on the car loan. It it is less than 2%, go for it. Otherwise, it might not make sense to have a car loan with cash to pay it off.
by runner3081
Sat Aug 12, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 44
Views: 4468

Re: Moving to Phoenix. Need advice.

I recently moved to the area. I'm living near 101 Loop & McDowell. I work near 101 Loop and 19th ave. It's just under 30 miles northwest around the 101 Loop. I had no traffic driving to a job interview @ 10 am, but how early would I realistically need to leave in the morning to start work at 8? No ...
by runner3081
Sat Aug 12, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: What home task(s) are worth learning to do yourself?
Replies: 46
Views: 4644

Re: What home task(s) are worth learning to do yourself?

I will give most anything a try after watching it on Youtube. Basic furnace repair, garage opener repair, etc.
by runner3081
Sat Aug 12, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Experience with Modular/Manufactured Homes
Replies: 14
Views: 1471

Re: Experience with Modular/Manufactured Homes

My sister had a modular home built for them in Iowa. Zero issues with the house, but tons of issues with the foundation leaking and caving in (not from house builder). Make sure to hire a reputable foundation company and have the lot graded appropriately. That costs a ton of money in repairs and res...