Search found 232 matches

by runner3081
Tue Jun 27, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Pet insurance
Replies: 10
Views: 504

Re: Pet insurance

We do not. Pets.. well, they are pets.
by runner3081
Tue Jun 27, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Living on Credit [obtain loan to build $25K house?]
Replies: 3
Views: 274

Re: Living on Credit [obtain loan to build $25K house?]

Lending Club comes to mind for small loans.
by runner3081
Mon Jun 26, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: What to do with misdirected package?
Replies: 32
Views: 1546

Re: What to do with misdirected package?

Put it on eBay as it was addressed to you.
by runner3081
Sun Jun 25, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????
Replies: 10
Views: 797

Re: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????

Better off reading/posting on one of the many excellent Subaru forums out there, this topic has come up a bunch.

https://www.google.com/search?client=op ... 8&oe=UTF-8
by runner3081
Sun Jun 25, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Sam's Club vs. Costco
Replies: 77
Views: 4515

Re: Sam's Club vs. Costco

We have a Sam's and Costco across the street from each other (more or less). We went with Sam's for 2 main reasons. 1) Crowds - Always much slower at Sam's with plenty of checkout folks around. Hardly every a wait. Costco, well, it is a disaster, and I am not a fan of paying for the privilege of wai...
by runner3081
Sun Jun 25, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: New Baby - Wife stay at home for 1 year?
Replies: 48
Views: 3919

Re: New Baby - Wife stay at home for 1 year?

My wife wanted to work.. until I showed her the reality that she would be making only a few bucks per hour. When you looked at net pay, considering her earnings were "on top" of mine and all taxed at our highest marginal rate, then backed out commuting and daycare costs, it just didn't ma...
by runner3081
Sun Jun 25, 2017 10:35 am
Forum: Investing - Theory, News & General
Topic: Two Podcasts -- Good?
Replies: 9
Views: 853

Re: Two Podcasts -- Good?

The Money Guy isn't a bad one either. Some fairly basic content, but good financial conversations.

http://www.money-guy.com
by runner3081
Sun Jun 25, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Pre-owned X5 xDrive35d or ML 250 Bluetec
Replies: 4
Views: 436

Re: Pre-owned X5 xDrive35d or ML 250 Bluetec

Have had both Mercedes and BMW's (along with a few friends who have as well). Overall, I have found that the reliability of MB, as you have mentioned, is better than the BMW. However, this is sort of a "pay to play" scenario. The X5 is a fun drive and pretty quick. You can rip around prett...
by runner3081
Sat Jun 24, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Lease New Car?
Replies: 4
Views: 434

Re: Lease New Car?

I really just started looking into it and should know more Monday when the dealership opens again. I would be getting rid of my 2015 Subaru Outback Limited w/ 28k miles. I bought it new and pay $550 a month for it, however, still owe $26k. I was looking at used cars and not sure I want to buy a car...
by runner3081
Sat Jun 24, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Lease New Car?
Replies: 4
Views: 434

Re: Lease New Car?

What do you drive now? Is this an additional car, a replacement, etc?

How about turn in fees, tire costs when turning it in, etc.

Not enough details to judge this request.
by runner3081
Sat Jun 24, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Use my HSA for another person
Replies: 7
Views: 541

Re: Use my HSA for another person

No. Can't do it until you are married.
by runner3081
Sat Jun 24, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: New Baby - Wife stay at home for 1 year?
Replies: 48
Views: 3919

Re: New Baby - Wife stay at home for 1 year?

My wife wanted to work.. until I showed her the reality that she would be making only a few bucks per hour. In my opinion, this is not a good reason not to work. While there may be a few years where a person nets little or no money, that person is still building up human capital that will pay off d...
by runner3081
Fri Jun 23, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Money Market Acct. with 1.5% APY for balances < $75K
Replies: 7
Views: 723

Re: Money Market Acct. with 1.5% APY for balances < $75K

Or just open up the Ally 1.5% No Penalty CD's for >$25K.
by runner3081
Thu Jun 22, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: New Baby - Wife stay at home for 1 year?
Replies: 48
Views: 3919

Re: New Baby - Wife stay at home for 1 year?

My wife wanted to work.. until I showed her the reality that she would be making only a few bucks per hour. When you looked at net pay, considering her earnings were "on top" of mine and all taxed at our highest marginal rate, then backed out commuting and daycare costs, it just didn't mak...
by runner3081
Thu Jun 22, 2017 10:32 pm
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 62
Views: 5855

Re: Costco vs. Amazon - Thoughts of Prime Members?

Sam's Club > Amazon > Costco for me.

Our Sam's is always dead and have some nice deals most of the time. Costco, it is too busy and I have no interest in paying a membership fee to stand in line. We also don't require top brands, so that is where Sam's comes in and saves money.
by runner3081
Thu Jun 22, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: storing loyalty/membership cards digitally?
Replies: 10
Views: 363

Re: storing loyalty/membership cards digitally?

I scan them and keep them in OneNote. Access from computer, phone, etc.

Also do this with car insurance cards and other documents I might need.
by runner3081
Thu Jun 22, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Could Credit Karma (app) be blocking my free annual credit report?
Replies: 10
Views: 705

Re: Could Credit Karma (app) be blocking my free annual credit report?

Were you trying to pull the TransUnion report via the AnnualCreditReport site? We space them out quarterly and when I was pulling them earlier this week, it took multiple tries to get it to go through for my wife and I using TransUnion. It eventually did, however. If I remember right, I was just tr...
by runner3081
Wed Jun 21, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Did I just get seriously ripped off?? (Car lease)
Replies: 54
Views: 4529

Re: Did I just get seriously ripped off?? (Car lease)

If you already signed the lease and can't get out of it now, maybe you don't want to know if you got ripped off or not?
by runner3081
Wed Jun 21, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 4276

Re: What do you say when you cancel an account that you only opened for bonus?

I tell them when I open and close the account that it is for the bonus.
by runner3081
Wed Jun 21, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Could Credit Karma (app) be blocking my free annual credit report?
Replies: 10
Views: 705

Re: Could Credit Karma (app) be blocking my free annual credit report?

Were you trying to pull the TransUnion report via the AnnualCreditReport site?

We space them out quarterly and when I was pulling them earlier this week, it took multiple tries to get it to go through for my wife and I using TransUnion. It eventually did, however.
by runner3081
Tue Jun 20, 2017 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund
Replies: 9
Views: 1288

Re: Emergency Fund

Thanks for your feedback, runner3081. My main reason for not keeping my EF in a CD is that I do not want yet another account that I have to track. I also inherently trust Vanguard and Fidelity more than I trust internet banks. But I agree it is silly to accept the lower yield in the Fidelity funds....
by runner3081
Tue Jun 20, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund
Replies: 9
Views: 1288

Re: Emergency Fund

I have always wondered why someone would do this compared to say, the 1.5% interest All No-Withdrawal Penalty CD.

Just curious as an EF should not be susceptible to a loss.
by runner3081
Tue Jun 20, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Help with determining appropriate salary
Replies: 6
Views: 817

Re: Help with determining appropriate salary

FWIW, Salary.com is usually high and most HR people know that.
by runner3081
Tue Jun 20, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Cancelling home warranty policy after closing?
Replies: 5
Views: 636

Re: Cancelling home warranty policy after closing?

Even if you did cancel, wouldn't the refund go back to the actual purchaser of the policy? Which would likely be the title company in this case.
by runner3081
Tue Jun 20, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 7641

Re: Push money from Credit Union to Ally, or have Ally pull it?

Remember that Ally-Savings has a limit of 6 transactions per billing period. If you want to make multiple transfers into Ally, or open multiple CDs, or close multiple old CDs in order to open new ones--conduct these multiple transactions in your Ally-Checking account. After you are done, move the e...
by runner3081
Tue Jun 20, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 7641

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

What happens at the end of 11 months? If I do nothing will it roll over into another No Penalty CD? Will it roll over into a regular CD with EWP? You can specify options in settings after it's set up and funded. I specified to close the CD and put funds into savings. You can also have them send you...
by runner3081
Tue Jun 20, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: New Patio Efflorescence-ugh!
Replies: 2
Views: 493

Re: New Patio Efflorescence-ugh!

We live in AZ and have concrete block walls around our property. It never fails, every year we get efflorescence... and every year it goes away without having to do anything. Not sure there is really anything to do to avoid it. Perhaps you could try to seal the patio? Though not sure if that works o...
by runner3081
Tue Jun 20, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 7641

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

Thanks! Just closed my previous 3 CD's at 1.25% and put in the application for the 1.5% ones. Might as well grab a bit of money for only a little work.
by runner3081
Tue Jun 20, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Stamp Value
Replies: 6
Views: 669

Re: Stamp Value

I wonder if it gets depressing for these stamp collectors to constantly tell folks like the OP that their stamps are only worth the postage printed on them. But i guess the thrill of occasionally finding a rare stamp makes up for that. I have a close friend to does sports memorabilia for a living. ...
by runner3081
Mon Jun 19, 2017 3:04 pm
Forum: Investing - Theory, News & General
Topic: Not reinvesting dividends
Replies: 22
Views: 3293

Re: Not reinvesting dividends

Sure, if you want to try and predict the future and time the market.
by runner3081
Mon Jun 19, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Garage Parking Aid
Replies: 28
Views: 1986

Re: Garage Parking Aid

You could get a Command hook that would stick to concrete to hang a tennis ball. No trouble at all applying them to a clean surface. Would be fast and inexpensive. A hanging ball is more effective at helping to get the car in the right place than a physical stop on the floor is if the lateral posit...
by runner3081
Mon Jun 19, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: NYC coop
Replies: 12
Views: 1179

Re: NYC coop

I am a little shocked to see that the board can approve/deny buyers. Seems like it opens up the door for discrimination and fair housing laws. Common in co-ops, and you see a lot of those in NYC Wow.. I am a west coast guy, never heard of this sort of thing. I had incorrectly assumed it was operate...
by runner3081
Sun Jun 18, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: NYC coop
Replies: 12
Views: 1179

Re: NYC coop

If she is selling to move in with you, maybe change those plans and live there? Also, what about renting? Do the CC&R's prevent that? I am a little shocked to see that the board can approve/deny buyers. Seems like it opens up the door for discrimination and fair housing laws. How is her credit? ...
by runner3081
Sun Jun 18, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: New Box Spring?
Replies: 22
Views: 1162

Re: New Box Spring?

livesoft wrote:I always laugh at these mattress ads. There is one ad that is saying replace your mattress every 7 years like it is motor oil or something.


There is a radio ad in Phoenix that tells you that it is ok to blow a bunch of money on a mattress, because you only buy x number in your life :)
by runner3081
Sun Jun 18, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon, Freebooksy, Bookbub, etc.
Replies: 15
Views: 1306

Re: Alternatives to Amazon, Freebooksy, Bookbub, etc.

Another local library fan. It is amazing how much value we get from the library from a small property tax portion. I am shocked (but also somewhat happy) that people don't realize everything the library offers. Kids programs, adult programs, online books, brand new release movies, etc.
by runner3081
Sun Jun 18, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: Exterior Home Improvements - Order of Operations?
Replies: 10
Views: 1094

Re: Exterior Home Improvements - Order of Operations?

I would do the driveway and patio work last. This way you don't have big dirty trucks that may leak fluids parking on your new driveway and workers carrying tools and equipment in over your patio right away.
by runner3081
Sun Jun 18, 2017 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America foreclosure [help negotiating settlement]
Replies: 2
Views: 586

Re: Bank of America foreclosure [help negotiating settlement]

Might want to shop around for new auto insurance now. It won't be a big hit, but a poor credit score can increase your rates some. Also, I would apply for another 1-2 credit cards for a higher available balance to keep your utilization rate lower. Though not very likely, your current CC companies co...
by runner3081
Sat Jun 17, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Paying for item on EBay - problem
Replies: 6
Views: 564

Re: Paying for item on EBay - problem

Saving$ wrote:On my order confirmation email, it states "Paid $(entire amount) with credit card"

Then you are golden. Nothing else to do, it worked!
by runner3081
Sat Jun 17, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Paying for item on EBay - problem
Replies: 6
Views: 564

Re: Paying for item on EBay - problem

My intent was to buy it with the group's credit card (which I am an authorized user for). The purchase went through without asking me for payment type. It appears to ebay purchases automatically default to being funded by PayPal. The problem is the PayPal account does not have enough money in it to...
by runner3081
Fri Jun 16, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 37
Views: 4496

Re: Ally Bank No penalty CD for parking cash, is there a catch?

6 day hold and that's it. Bought a couple about two months ago and had to redeem one already to shuffle things around as wife bought a new car. Super easy and I've already moved some back into other CDs also with Ally. Really enjoying using that bank. Makes me think about using their checking. The ...
by runner3081
Fri Jun 16, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 37
Views: 4496

Re: Ally Bank No penalty CD for parking cash, is there a catch?

No catch. I have been in and out of their no-penalty CD's in the past. Only bad thing is the wait of a few days to transfer money in/out.
by runner3081
Thu Jun 15, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: internet cost saving strategy
Replies: 38
Views: 2848

Re: internet cost saving strategy

If you have strong Sprint coverage in your area, could look at something like this:
https://www.4gcommunity.org/

$260 per year for year 1, cheaper down the road.
by runner3081
Tue Jun 13, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 37
Views: 2193

Re: House softener system

FYI, as I mentioned earlier, we had out Fleck controlled softener installed for $648 about 3 years ago. We used this company and went with a Refurb unit that includes the full warranty. No issues yet and great reviews on Yelp (why we selected them). https://www.yelp.com/biz/american-home-water-and-a...
by runner3081
Tue Jun 13, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Multi-page scanner?
Replies: 24
Views: 1077

Re: Multi-page scanner?

I second the Fujitsu suggestion. Rock solid scanners that can handle a ton.
by runner3081
Tue Jun 13, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 32
Views: 2667

Re: Moving to Phoenix. Need advice.

I don't agree with all the negativity towards the west side of the valley (we love our neighborhood and PUSD schools), although I would like a little less sun for my morning commute in the summer, but sunglasses and my car's shade work pretty well to combat that, but I want to add a helpful website...
by runner3081
Tue Jun 13, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 75
Views: 3119

Re: How many tech devices do you have?

Family of 3, two adults and a toddler.

1 - Laptop
2 - Tablets (Kindle Fire and Unbranded Windows 10 tablet)
2- Cell Phones (Moto E and Moto G4)
1- Echo Dot
1 - Kindle Fire Stick

That is about it.
by runner3081
Mon Jun 12, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 37
Views: 2193

Re: House softener system

Yes, softeners can be fairly loud when they cycle. It probably won't bother you when you're awake but may if you're sleeping in a room on the other side of the wall from the water softener or where it drains (usually the washer drain in the laundry room). So a lot of how noisy the softener is will ...
by runner3081
Sun Jun 11, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 37
Views: 2193

Re: House softener system

We are in Scottsdale and have the same issues with hard water. When we moved in, there was already a loop for a softener, but no softener in place. You could tell they did not have a softener, many of the faucets were pretty shot from build up. We added a salt softener, it was $650 installed (refurb...
by runner3081
Sun Jun 11, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Should I keep this Fire 7 tablet?
Replies: 3
Views: 404

Re: Should I keep this Fire 7 tablet?

Option 5, return it for an Amazon Credit refund?

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