Search found 1209 matches

by runner3081
Sun Apr 22, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Car driver's power window - problem - ideas?
Replies: 11
Views: 586

Re: Car driver's power window - problem - ideas?

Might also be the regulator.

However, that may not be the case here, but it is a cheap fix. As a former BMW (yes, I know, different car) owner, I have PTSD when it comes to window regulators. They seem to break as often as you fill them up with gas.
by runner3081
Sun Apr 22, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: How long have you been unemployed?
Replies: 25
Views: 1679

Re: How long have you been unemployed?

7-weeks after the start-up I was in closed their doors.

It could have been 5-weeks, but I asked for a later start date, was enjoying the time off :)
by runner3081
Sat Apr 21, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Removing Existing Satellite Systems
Replies: 8
Views: 804

Re: Removing Existing Satellite Systems

Yes, you own them now. They don't want them back.

Have removed them from multiple houses.
by runner3081
Sat Apr 21, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Basic PC - HP Pavillion All in One?
Replies: 23
Views: 933

Re: Basic PC - HP Pavillion All in One?

Replace the hard drive in your current computer? You can grab an SSD for less than $60 these days.
by runner3081
Sat Apr 21, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Am I on the right track?
Replies: 6
Views: 767

Re: Am I on the right track?

gfxprotege wrote:
Sat Apr 21, 2018 2:17 pm
My first question is this: am I putting enough away for retirement? My contributions are % based and thats currently 20% of my income.

Thanks!
That depends. What are your retirement goals?

Some people will say 20% is enough, others will say it is not enough.
by runner3081
Fri Apr 20, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Primary and secondary medical insurance - Out of pocket costs & deductibles
Replies: 1
Views: 194

Re: Primary and secondary medical insurance - Out of pocket costs & deductibles

You are over thinking this. There are no legal or moral issues with double coverage, that is why they have rules about how it works.

However, for 90% of people, double coverage is a disadvantage and isn't worth it.
by runner3081
Fri Apr 20, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2408

Re: How long have you been employed?

Well, if you include the paperboy job as OP did, I am at 28 years.
by runner3081
Fri Apr 20, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 84
Views: 4227

Re: Do you buy new or used cars?

Have never bought a new car and likely won't. Four main reasons: 1) Insurance usually costs more with a new car 2) Licensing is always more with an new car 3) You have to pay tax on a new car (private party used car sales in our state have $0 tax) 4) We like to keep things nice. Less stress to have ...
by runner3081
Thu Apr 19, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 56
Views: 3471

Re: Selling a car: how to get paid?

I have never met at the DMV. It is on the buyer to get it registered. I meet at their bank, have them draw cashier's check, hand over title and be done.
by runner3081
Thu Apr 19, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Pls recommend a cell phone for secondary use
Replies: 11
Views: 900

Re: Pls recommend a cell phone for secondary use

Hyperborea wrote:
Thu Apr 19, 2018 1:51 pm
Port the phone number to Google Voice and you may not need a second phone. Have GV set to ring your existing phone number and/or you can answer the phone calls from your computer.
Bingo! I have two numbers running onto my phone.

It is also great to text people from your computer.
by runner3081
Wed Apr 18, 2018 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating Future College Costs
Replies: 18
Views: 1265

Re: Estimating Future College Costs

I am in the same boat with a 5-year old. Realistically, there are three outcomes. 1) Current rate of inflation continues (somewhat easy to calculate, but the number will be horrific). 2) Something major happens and college becomes free or greatly reduced (not very likely, but 10+ years is a long way...
by runner3081
Wed Apr 18, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10787

Re: Quitting job - what to do if getting walked to the door

Watty wrote:
Wed Apr 18, 2018 8:06 am
Even if they walk him to the door there would be a stop at the HR office where he would get any required notice about his COBRA options so it would be little different than if he works the full two weeks.
COBRA notices are usually mailed these days.
by runner3081
Tue Apr 17, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Calculations
Replies: 3
Views: 865

Re: Retirement Calculations

As "fortfun" said, do it yourself and buy some index funds with the money saved.
by runner3081
Tue Apr 17, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 5142

Re: I want to pay off my mortgage. Am I crazy?

I had a mortgage on my 2nd residence. I paid it off after 1 mortgage payment as I hated owing anything . Pay it off and get pleasure :sharebeer . Does the pleasure pass, or is there initial excitement and then just onto the next thing? We are within 1-2 years of being able to pay ours off, but I am...
by runner3081
Tue Apr 17, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Please help figuring out cost of medical treatment(s)
Replies: 8
Views: 781

Re: Please help figuring out cost of medical treatment(s)

The actual math of it all is easy, it is getting prices that is tough. A few things you need to start... -J Code of the Drug -CPT Codes they use for the infusion -Location type (hopsital, outpatient, etc). This will determine if they charge a facility fee. Once you have this info, in theory, you sho...
by runner3081
Tue Apr 17, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 4174

Re: car at 80

I suggest you get a new Subaru sedan or SUV. All Subaru models have four wheel drive, even the sedans, and they all have a lot of latest safety features. If I was forced to live in a snow belt climate, there is no way I'd spend winter driving any thing but a four wheel drive vehicle. Was just going...
by runner3081
Mon Apr 16, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 3921

Re: Costco Free Screenings

I don't necessarily think you need to be a member to participate.
by runner3081
Mon Apr 16, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Online Fax Suggestions
Replies: 12
Views: 870

Re: Online Fax Suggestions

Faxzero user here as well.
by runner3081
Sun Apr 15, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with windfall
Replies: 11
Views: 963

Re: What to do with windfall

Pay off the mortgage. Then consider funding your Roth IRA for 2018 now, anything else invest in your taxable account according to your asset allocation. Thank you for your input. I’m really leaning towards paying off the mortgage. We fully funded our Roth in January or else we’d definitely do that!...
by runner3081
Sat Apr 14, 2018 7:03 am
Forum: Local Chapters and Bogleheads Community
Topic: Arizona Chapter
Replies: 19
Views: 1163

Re: Arizona Chapter

Bnjneer wrote:
Sat Apr 14, 2018 7:02 am
how about in Sedona.

Can someone please explain happens at a typical meeting?

thank you
We all learn the secret 3-fund fist-bump.

But no, on a serious note, I have no clue. Would just hope for some good conversation and mutual learning from similar people.
by runner3081
Fri Apr 13, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 205
Views: 10701

Re: Work Commute: How far is too far?

My max is 10 miles each way.
by runner3081
Thu Apr 12, 2018 2:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Arizona Chapter
Replies: 19
Views: 1163

Re: Arizona Chapter

I would be interested.
by runner3081
Wed Apr 11, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: How can I get the best price for a new Porsche Cayenne?
Replies: 14
Views: 1730

Re: How can I get the best price for a new Porsche Cayenne?

Buy a Nissan Rogue and swap out the badges.
by runner3081
Wed Apr 11, 2018 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: “Fund bucket” for new car?
Replies: 14
Views: 1096

Re: “Fund bucket” for new car?

No individual "buckets" for us. We have one emergency fund that is large enough to handle car purchases, etc.

This may be oversimplifying things, but "buckets" of savings, I mostly see as needed by the undisciplined.
by runner3081
Wed Apr 11, 2018 11:47 pm
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 4407

Re: Bull Market Timing

Can someone remind me why we shouldn’t try to time the market? This bull market has been incredible but it doesn’t take a genius to look at historical averages and see we’re near the end here... On the other hand, it could go up another 50% before we hit this "end" you are talking about. Historical...
by runner3081
Tue Apr 10, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: recommend a light box
Replies: 15
Views: 1296

Re: recommend a light box

Selling stuff on eBay?
by runner3081
Sun Apr 08, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 39986

Re: Name something you had to have and now you regret purchasing it?

The huge hot tub that we paid dearly for many years ago which we used frequently for a couple of years then completely ignored, unless my wife got nostalgic, causing me to start the process all over again for a single use . Regular maintenance/draining & refilling, $50 a month additional in electri...
by runner3081
Sun Apr 08, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 39986

Re: Name something you had to have and now you regret purchasing it?

Hot Tub. Was great the first 2 years, but the heater broke and I haven't used it for the last 2 years. Going to give it another run this winter, but if it isn't used that much, or breaks again, I will have someone come and dispose of it. (Had the heater fixed a couple of months ago). Also, my now "...
by runner3081
Sun Apr 08, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 39986

Re: Name something you had to have and now you regret purchasing it?

Hot Tub. Was great the first 2 years, but the heater broke and I haven't used it for the last 2 years. Going to give it another run this winter, but if it isn't used that much, or breaks again, I will have someone come and dispose of it. (Had the heater fixed a couple of months ago). Also, my now "...
by runner3081
Sun Apr 08, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Max out 401k or pay off mortgage?
Replies: 18
Views: 963

Re: Max out 401k or pay off mortgage?

4.25% is getting close to the cross over point. However, always max out tax advantaged space first.
by runner3081
Sat Apr 07, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Car sideview mirror
Replies: 25
Views: 1171

Re: Car sideview mirror

I'll be taking it to a Toyota dealer to get it fixed. Don't. First, check out YouTube and grab one on eBay or a Junkyard if it is manageable (I always check Youtube when ANYTHING breaks, car, house, etc) If not something you can do, take it to an INDEPENDENT repair shop. Zero need for a dealer and ...
by runner3081
Sat Apr 07, 2018 7:32 am
Forum: Personal Finance (Not Investing)
Topic: How do you estimate your home's market value?
Replies: 53
Views: 3388

Re: How do you estimate your home's market value?

75-80% of Zillow. This accounts for selling fees as well.
by runner3081
Fri Apr 06, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: replace 2004 Honda Accord ?
Replies: 14
Views: 1315

Re: replace 2004 Honda Accord ?

Nyc10036 wrote:
Fri Apr 06, 2018 7:41 pm
Headlights are blurred.
That is a DIY 30-minute fix or many places, such as Sam's Club will do them.
by runner3081
Fri Apr 06, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Lost wallet
Replies: 13
Views: 1265

Re: Lost wallet

Did you have medical and dental cards in there? Might be worth contacting the carriers to notify them?
by runner3081
Fri Apr 06, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3456

Re: How often do you replace your office shoes?

I dump mine at 3-years (realistically, I should toss at 2.5 years, but use a polish sponge to get me through).

This will be HIGHLY dependent on the quality of shoe you purchase and weather.

I wear Bostonian with leather bottoms.
by runner3081
Fri Apr 06, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 6704

Re: Your Monthly Cost of Living

1. Housing: rent/mortgage/utilities - $1,466.32 (includes internet) 2. Transportation: car, insurance, license, registration, gas, maintenance: $351.47 3. Food: groceries, restaurants: $270 4. Other: Non-Auto/home Insurance (Life, etc): $96.42 Memberships (Amazon, AAA, etc): $25.91 Gifts: $60.00 Clo...
by runner3081
Thu Apr 05, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Any hardworkers here who half-a** at work?
Replies: 27
Views: 3689

Re: Any hardworkers here who half-a** at work?

I tend not to care about the output or efforts of my co-workers.

Focusing time and energy on that is just a wasted effort.

Let's put it this way, there is a likelihood that others also notice their behavior/tendencies. Don't be lumped into that group.
by runner3081
Thu Apr 05, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Starting a home search... Late 60s rancher?
Replies: 18
Views: 1514

Re: Starting a home search... Late 60s rancher?

1) All the outlets look like the same standard 3 prong outlets I see in my 90s apartment, but will the house power 2 TVs, couple of computers, few countertop appliances? What has changed wire wise in the past 50 years? 2) Will the insulation in walls be totally shot? Is that easily addressable with...
by runner3081
Thu Apr 05, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: How does one adjust salaries to account for housing costs when considering a move?
Replies: 24
Views: 1402

Re: How does one adjust salaries to account for housing costs when considering a move?

Make sure to also factor in property tax, state income tax, auto licensing costs and home/auto insurance costs.
by runner3081
Wed Apr 04, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: flood and earthquake insurance for house
Replies: 15
Views: 1071

Re: flood and earthquake insurance for house

When we bought our house it was in zone AOB, 100-year flood plain. The mortgage holder required insurance. Just last year, we were moved to X, which is a 500 year flood zone. The cost is only $277 per year and it was very hard to cancel at that rate, we will likely keep it until it goes up significa...
by runner3081
Wed Apr 04, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 5383

Re: 2018 Camry. What's wrong with me?

There is a reason it is called America's Most Boring Car.
by runner3081
Sun Apr 01, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance, why long terms?
Replies: 27
Views: 2007

Re: Life Insurance, why long terms?

So here's my question: everyone recommends longer terms, and in my case generally 25-30 year terms are recommended. The problem is, they are quite expensive and I'm not sure I need them. For me: 10 yr ~ $45/mo 15 yr ~ $65/mo 20 yr ~ $90/mo 25 yr ~ $145/mo 30 yr ~ $185/mo That seems fairly affordabl...
by runner3081
Sun Apr 01, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Too much cash...where to invest?
Replies: 13
Views: 2441

Re: Too much cash...where to invest?

In your asset allocation.
by runner3081
Sun Apr 01, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Towel Warmers - worthwhile luxury or useless?
Replies: 39
Views: 3047

Re: Towel Warmers - worthwhile luxury or useless?

We don't but live in the Southwest, these would be worthless most of the year.
by runner3081
Sat Mar 31, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for a new job in another department
Replies: 4
Views: 485

Re: Applying for a new job in another department

Personally, throughout my career I am the first to tell my manager that I am applying (or even interested). Maybe I have been lucky, but those managers have all helped me get the new job. Going through this at the moment, applied for two promotions and my boss is behind the scenes trying to make sur...
by runner3081
Sat Mar 31, 2018 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Would appreciate some advice on opening a medical practice...
Replies: 14
Views: 1339

Re: Would appreciate some advice on opening a medical practice...

I know you only listed a few high level items, but you are missing a ton. If I were you, I would try to find a consultant in your area who can assist you with starting a practice. Their expertise could be used in things you did not mention, but are tedious and necessary: payer contracting, getting s...
by runner3081
Fri Mar 30, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Hotel Fund Investment Oppurtunity
Replies: 9
Views: 665

Re: Hotel Fund Investment Oppurtunity

minimalistmarc wrote:
Fri Mar 30, 2018 4:42 pm
Sounds highly complex and unattractive to me.
Translation = This is not an index fund with a low expense ratio, stay away :)
by runner3081
Fri Mar 30, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: medical practice reimbursement issues
Replies: 35
Views: 2471

Re: medical practice reimbursement issues

Also, the check in staff has not been collecting co-pays/deductibles such that now patient balances are very high. This is a real struggle for practices. We ended up moving to a pre-visit deposit or the patient couldn't be seen. What happens is that a large percent of people with HSA plans don't ha...
by runner3081
Fri Mar 30, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 5750

Re: New car from dealer may have close to 150 miles - ok?

If you are concerned, go pick it up.