Search found 124 matches

by runner3081
Fri Apr 28, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: 401k Refund for 2016 contributions from employer
Replies: 5
Views: 320

Re: 401k Refund for 2016 contributions from employer

The funds are just employee assets. Thy can only be invested where the employee could otherwise make investments. IRA accounts subject to income limitations. Backdoor Roth if income is to high and no pre-tax IRA assets. Otherwise taxable investments. As for what to do in the future. The best if mor...
by runner3081
Thu Apr 27, 2017 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Refund for 2016 contributions from employer
Replies: 5
Views: 320

Re: 401k Refund for 2016 contributions from employer

The funds are just employee assets. Thy can only be invested where the employee could otherwise make investments. IRA accounts subject to income limitations. Backdoor Roth if income is to high and no pre-tax IRA assets. Otherwise taxable investments. As for what to do in the future. The best if mor...
by runner3081
Wed Apr 26, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Is buying a car through a dealer auction still a good value?
Replies: 13
Views: 776

Re: Is buying a car through a dealer auction still a good value?

NoGambleNoFuture wrote:After watching the Barrett Jackson auction from Florida for about 72 hours straight I'm pretty set on getting out and locking up one of these late 60s Lincoln Continentals or early 70s GTOs -- see you at the auctions!

Not the auction type we are talking about.. but good luck!
by runner3081
Wed Apr 26, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Is buying a car through a dealer auction still a good value?
Replies: 13
Views: 776

Re: Is buying a car through a dealer auction still a good value?

So why is this method of used car buying not more popular? Frankly sounds like less hassle than the typical process. There are steps that must be taken (which take time and effort) and depends on who you know, potentially. I would feel much more comfortable doing this with someone I had a personal ...
by runner3081
Wed Apr 26, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Is buying a car through a dealer auction still a good value?
Replies: 13
Views: 776

Re: Is buying a car through a dealer auction still a good value?

It comes down to what you are looking for. I had auction access through a colleague a couple of years back. Just like anything else in economics, it depends on what you are looking for. If you want something more on the specialty end, BMW M Cars, AMG, etc., there are a ton of real and quasi dealers...
by runner3081
Wed Apr 26, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Is buying a car through a dealer auction still a good value?
Replies: 13
Views: 776

Re: Is buying a car through a dealer auction still a good value?

It comes down to what you are looking for. I had auction access through a colleague a couple of years back. Just like anything else in economics, it depends on what you are looking for. If you want something more on the specialty end, BMW M Cars, AMG, etc., there are a ton of real and quasi dealers...
by runner3081
Wed Apr 26, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Major health issue - finding new employment with health coverage
Replies: 32
Views: 1974

Re: Major health issue - finding new employment with health coverage

I used to work in HR in the past and we never had a problem handing over the Summary Plan Description to candidates we were well into the process with. And actually, for my last two positions, I asked and received the plan document and rates prior to accepting the offer. No issues (one is a MegaCorp...
by runner3081
Wed Apr 26, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Is buying a car through a dealer auction still a good value?
Replies: 13
Views: 776

Re: Is buying a car through a dealer auction still a good value?

It comes down to what you are looking for. I had auction access through a colleague a couple of years back. Just like anything else in economics, it depends on what you are looking for. If you want something more on the specialty end, BMW M Cars, AMG, etc., there are a ton of real and quasi dealers ...
by runner3081
Tue Apr 25, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Unique HSA/HDHP Situation
Replies: 6
Views: 459

Re: Unique HSA/HDHP Situation

You will ALWAYS be able to use HSA funds. I would keep maxing out. You can pay Medicare premiums starting at age 65 with HSA funds.
by runner3081
Tue Apr 25, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 34
Views: 2390

Re: Best vacuum cleaner for pet hair?

No matter what vacuum you use, there will still be pet hair. Get one of these, do it once a month or so and be amazed how much comes up. https://www.amazon.com/Universal-Rake-Carpet-Hair-Remover/dp/B0002ZFNN2/ref=sr_1_4?s=pet-supplies&ie=UTF8&qid=1493156976&sr=1-4&keywords=pet+hair+b...
by runner3081
Mon Apr 24, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: interesting things to see/do in Victoria and Vancouver, Canada
Replies: 19
Views: 1118

Re: interesting things to see/do in Victoria and Vancouver, Canada

- There are some canyons north of town where you can cross a canyon on a suspension bridge. I've been to Lynn Canyon which is a municipal park, it's a neat experience and quite beautiful there. +1 for the Capilano Suspension Bridge Park. I went to Vancouver as a teenager, and this was my favorite m...
by runner3081
Fri Apr 21, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 3402

Re: Car Choices

If he doesn't hate the car (other than the leak), take it to a reputable independent shop. Dealers, for the most part, are worthless and very expensive.

You can often find significantly more experience at independent shops.
by runner3081
Thu Apr 20, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: helping parent sell their car
Replies: 16
Views: 1255

Re: helping parent sell their car

Can you just have her sign over the title - but not record it until you find a buyer? I don't see the need for you to retitle it inder your name. This is the route to go. I have bought cars from people selling for "someone else". The title was not in the seller's name, still had the owner...
by runner3081
Thu Apr 20, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Costco battery replacement possible after a year and half?
Replies: 11
Views: 971

Re: Costco battery replacement possible after a year and half?

I don't know about Costco specifically, but usually battery warranties are pro-rated. That is, if it goes bad within the warranty period, you'll get the replacement at a discounted price. True, after the replacement period. Any battery I have bought usually has a 2-3 year full replacement period. I...
by runner3081
Thu Apr 20, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Costco battery replacement possible after a year and half?
Replies: 11
Views: 971

Re: Costco battery replacement possible after a year and half?

Did you have your alternator tested? A battery going bad after one year could be a bad battery or something drawing on the battery or an alternator not functioning. Also depends on where you live. Pretty common for batteries to go every 12-24 months in hot states, such as AZ. Ahh, I see poster is i...
by runner3081
Thu Apr 20, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Small Clear Trash Bags for Bathroom
Replies: 9
Views: 1034

Re: Small Clear Trash Bags for Bathroom

I've always just used the plastic bags you get shopping. Unless there's a reason you insist on the bad being clear, plastic bags from grocery stores work just as well. Here in California we don't have the option of getting those bags anymore. I have the same issue. :( Just buy them from the supplie...
by runner3081
Wed Apr 19, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?
Replies: 46
Views: 2805

Re: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?

Broken Man 1999 wrote:With ambulances, I'm not even sure that they appear in networks.

I had thought the same thing, but the show up in the BCBS of AZ listings as in-network.
by runner3081
Wed Apr 19, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Fidelity card 2% but NOT as statement credit
Replies: 27
Views: 2531

Re: Fidelity card 2% but NOT as statement credit

Fidelity only provides 2% cash back when the money is deposited into an eligible Fidelity account. I have a cash management (aka checking) account with them where I receive the full 2%. We do it similarly. The 2% rebate goes into the cash balance for the account, same as stock dividends we don't re...
by runner3081
Wed Apr 19, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 64
Views: 5014

Re: Tips on Uber

I also don't tip on Uber. Usually, when an Uber ride is needed, it is unexpected and I rarely have small change. Usually only carry a couple of $20's.
by runner3081
Wed Apr 19, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: helping parent sell their car
Replies: 16
Views: 1255

Re: helping parent sell their car

Can you just have her sign over the title - but not record it until you find a buyer? I don't see the need for you to retitle it inder your name. This is the route to go. I have bought cars from people selling for "someone else". The title was not in the seller's name, still had the owner...
by runner3081
Tue Apr 18, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 12035

Re: Do you have an umbrella policy?

We have 1 Million for $201 per year.

We have a pool, house and 3 cars.

The umbrella is a separate company from our other policies.

Umbrella = Stillwater
Home & Auto = AAA
Second Auto Policy = Grundy
by runner3081
Tue Apr 18, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Is spending 15K to furnish home too much?
Replies: 39
Views: 4426

Re: Is spending 15K to furnish home too much?

Depends on your priorities. For us, we don't entertain and don't really care about mismatched furniture. Our house has no more than $3k in costs for furnishing it all.

1900 square foot house.
by runner3081
Tue Apr 18, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Personal Assistants: Amazon Echo or Google Home?
Replies: 7
Views: 668

Re: Personal Assistants: Amazon Echo or Google Home?

We have an Echo Dot. Received it as a gift in January. For the first month, we asked it all sorts of questions and had fun with it. Now, it is just a music player using our Pandora stations and hooked to a Bluetooth Speaker. If you really have a question, the results from using "Ok Google"...
by runner3081
Tue Apr 18, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Scratched bumper cost to repair
Replies: 17
Views: 1243

Re: Scratched bumper cost to repair

This won't help the OP, but for others, try a rubbing compound like meguiars or 3M for these scratches. You'd be amazed at what you can get out with them. JT It may help *next* time! I never thought about leaving a tin of rubbing compound and some rags/Scotchbrite sponge in my trunk. I can quickly ...
by runner3081
Tue Apr 18, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: helping parent sell their car
Replies: 16
Views: 1255

Re: helping parent sell their car

Can you just have her sign over the title - but not record it until you find a buyer? I don't see the need for you to retitle it inder your name. This is the route to go. I have bought cars from people selling for "someone else". The title was not in the seller's name, still had the owner...
by runner3081
Tue Apr 18, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Real estate dilemma -- sell it or fix and rent?
Replies: 9
Views: 1054

Re: Real estate dilemma -- sell it or fix and rent?

I think your numbers are inflated for the Airbnb Rate. Living in that area, the real peak season is mostly January through March when the auto auctions and spring training events are here. In the summer, you can score some awesome hotel deals with food, golf, etc at the $200 range. You might have a ...
by runner3081
Fri Apr 14, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Windows 10 upgrade, now legacy software doesn't work
Replies: 35
Views: 2585

Re: Windows 10 upgrade, now legacy software doesn't work

Thanks for all the responses. I think the answer for me is to keep the Windows 10 on my machine, and dedicate an old machine to running this software. or if you have a Windows 7 license, you could install it in a virtual machine. I have Win 7 running in VM mode on Virtual Box. My host system is Win...
by runner3081
Fri Apr 14, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: HSA as Part of Emergency Fund
Replies: 20
Views: 1504

Re: HSA as Part of Emergency Fund

Sort of. We have about 25K in our HSA and "unreimbursed receipts" of about 7K stored and ready, if needed to pull cash penalty-free. With that said, I consider the HSA more of a retirement account with no early withdrawal penalty, than an EF. The HSA is probably more of a "It really h...
by runner3081
Fri Apr 14, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park Emergency Fund?
Replies: 32
Views: 2831

Re: Where to park Emergency Fund?

You can't sell them for a year, and then will incur 3 mos interest penalty for selling until it's been 5 years, but you'll have zero risk of keeping up with inflation, pre-tax. If it is not readily accessible, it doesn't really serve the purpose of an emergency fund well. Of course, if you have cre...
by runner3081
Thu Apr 13, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Ebay Valet - Thoughts?
Replies: 10
Views: 1032

Re: Ebay Valet - Thoughts?

After reading the FAQ's, I am even more down on this service. They give the item 60 days to sell before returning it. It is absolutely in their best interest to sell it within those 60 days to incur more costs with no return. This leads me to believe that they are pricing items on the bottom of the ...
by runner3081
Thu Apr 13, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: 529/son got accepted to medical school whahoooo!
Replies: 30
Views: 3179

Re: 529/son got accepted to medical school whahoooo!

Congrats... That is great news. The fun will begin soon with matching, residency, etc. I am not a doctor, but have been in healthcare management for quite some time - based on that, some unsolicited advice... pick a high-paying specialty. Neurosurgery, Anesthesia, Urology, etc. Also, make sure to do...
by runner3081
Thu Apr 13, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Keep old yet reliable used car or buy new
Replies: 28
Views: 1761

Re: Keep old yet reliable used car or buy new

Figure302 wrote:The dilemma is this: keep my 2007 BMW 328 that has 137k miles and soon needs $500 worth of service

$500 service on that car is nothing. I had one in the past.

Let me guess, water pump?
by runner3081
Thu Apr 13, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Keep old yet reliable used car or buy new
Replies: 28
Views: 1761

Re: Keep old yet reliable used car or buy new

As I read this, our 1999 vehicle with 120K miles is in the shop, receiving 1.3K of repairs and service. It has been very reliable and these are more along the lines of brake pads and fixing a couple of leaks that are worsening (not major break/fix). There are really 3 options in my mind. 1) Keep it ...
by runner3081
Thu Apr 13, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park Emergency Fund?
Replies: 32
Views: 2831

Re: Where to park Emergency Fund?

You can't sell them for a year, and then will incur 3 mos interest penalty for selling until it's been 5 years, but you'll have zero risk of keeping up with inflation, pre-tax. If it is not readily accessible, it doesn't really serve the purpose of an emergency fund well. Of course, if you have cre...
by runner3081
Thu Apr 13, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Ebay Valet - Thoughts?
Replies: 10
Views: 1032

Re: Ebay Valet - Thoughts?

That is very high. Find a friend or neighbor who sells on eBay and see if they will list for a smaller cut. I have done that for friends/family in the past.
by runner3081
Thu Apr 13, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Which concentrated roach killer is the best?
Replies: 11
Views: 598

Re: Which concentrated roach killer is the best?

Cy-Kick. We use this for scorpions in AZ. It also works for roaches.

http://www.domyownpestcontrol.com/cykick-cs-p-250.html
by runner3081
Thu Apr 13, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 63
Views: 7611

Re: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

Did the savings $300 earlier this year. Very easy. It took about 15 minutes to set it up, I handed over a check for $15K and waited. The bonus came right on time. I pulled the 15K after the required time period and only left the minimum to avoid a fee. Closed it after the 6-month period and am awai...
by runner3081
Tue Apr 11, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 85
Views: 12188

Re: You can never go "home" - retirement

I learned a long time ago, the grass is not always greener on the other side. ...but sometimes it is (at least in our case). However, I do see your point. I know a number of acquaintances who have left home and all promptly returned within 5 years. For them, the pull was more about family rather th...
by runner3081
Tue Apr 11, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 85
Views: 12188

Re: You can never go "home" - retirement

Hmm, very thought provoking. We moved away 4.5 years ago from "home". There is absolutely zero chance we would move back to that region.

Possibly, down the road, we wold explore living part time in the state, but it would be the other side, which is completely different.
by runner3081
Tue Apr 11, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Selling laptop with "bad" Win10 upgrade
Replies: 25
Views: 2028

Re: Selling laptop with "bad" Win10 upgrade

I have sold XP laptops for $50-75 in the last 6 months. The key thing these laptops need? Wi-fi!

There is a huge market of people who need a computer and $200-$250 is very much out of their budget.
by runner3081
Fri Apr 07, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Misguided by Pension Department- ?Legal Need?
Replies: 32
Views: 2946

Re: Misguided by Pension Department

celia wrote:I know of no hospital these days that have a pension, except for those owned by a governmental agency (ie, the VA, county hospital).

There are still some private groups with pensions out there. Only a small handful, but they are out there.
by runner3081
Thu Apr 06, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: Selling A Semi-Valuable Vehicle
Replies: 12
Views: 1347

Re: Selling A Semi-Valuable Vehicle

Done it twice. Pretty easy in my opinion. I would always meet at their bank when they draw the cashier's check. Once they hand it over, give them the title and be on your way.
by runner3081
Thu Apr 06, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: QR Code/Bar Code Readers?
Replies: 10
Views: 514

Re: QR Code/Bar Code Readers?

Haven't needed one yet.
by runner3081
Thu Apr 06, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP's - Does your employer offer them?
Replies: 47
Views: 1669

Re: HDHP's - Does your employer offer them?

Work for a pretty large company (50+K ee's), we have a HDHP plan available. 6K deductible, cover the family for less than $50 per month on it. Some companies are reluctant to change due to the education element around it (and lack of general employee understanding). When I used to work in HR, I roll...
by runner3081
Thu Apr 06, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: best place to keep $20k for 2 years
Replies: 20
Views: 2222

Re: best place to keep $20k for 2 years

Might be able to squeeze a tad more out of a 5-year CD with a light early withdrawal penalty.
by runner3081
Thu Apr 06, 2017 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 3378

Re: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

We have PTO (bundled holidays, vacation and sick).

Cash out when leaving is 100%.

We can also cash out every year at 100%, down to a minimum of 40 hours - while employed.
by runner3081
Thu Apr 06, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Misguided by Pension Department- ?Legal Need?
Replies: 32
Views: 2946

Re: Misguided by Pension Department- ?Legal Need?

DO I write a letter to the hospital and tell them they are contracting with an inept Pension adminstration company ? etc thanks Feel free to write the letter, but Mercer is one of the top admin companies around. The previous medical system I worked at used them with no issues. Always great to the e...
by runner3081
Fri Mar 31, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Unemployed for 2-3 days- potential benefits
Replies: 24
Views: 2046

Re: Unemployed for 2-3 days- potential benefits

Since income and finances are handled annually... probably not. If you are not insured for those 2 days, don't get sick or hurt! Rolling over any 401k to new employer would have to be done... when you are employed. I would assume he has 60 days past termination to utilize Cobra And as I understand ...
by runner3081
Fri Mar 31, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Unemployed for 2-3 days- potential benefits
Replies: 24
Views: 2046

Re: Unemployed for 2-3 days- potential benefits

Since income and finances are handled annually... probably not. If you are not insured for those 2 days, don't get sick or hurt! Rolling over any 401k to new employer would have to be done... when you are employed. Why would anyone want to roll their 401k to a new company one? Wouldn't you always w...
by runner3081
Thu Mar 30, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Unemployed for 2-3 days- potential benefits
Replies: 24
Views: 2046

Re: Unemployed for 2-3 days- potential benefits

Probably not. There is usually a 1-week waiting period before drawing benefits. Enjoy the time off and clear your mind for a new start.

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