Search found 1800 matches

by runner3081
Mon Jan 21, 2019 10:18 pm
Forum: Personal Consumer Issues
Topic: 1980s Vacuums vs Today
Replies: 22
Views: 2198

Re: 1980s Vacuums vs Today

DTalos wrote:
Mon Jan 21, 2019 7:25 pm
runner3081 wrote:
Mon Jan 21, 2019 6:11 pm
All I know is that I despise bag less vacuums. Such a mess. Bags are easier and very cheap.
Are most newer vacuums the bag-less kind?
Yes, but you can find bagged ones. We have the Hoover Tempo Widepath.
by runner3081
Mon Jan 21, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: 1980s Vacuums vs Today
Replies: 22
Views: 2198

Re: 1980s Vacuums vs Today

All I know is that I despise bag less vacuums. Such a mess. Bags are easier and very cheap.
by runner3081
Mon Jan 21, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Have you searched for your unclaimed property?
Replies: 29
Views: 1557

Re: Have you searched for your unclaimed property?

I have, always comes back with nothing.

To be honest, I am pretty diligent/OCD when it comes to money. Not likely to forget a closed bank account, etc.
by runner3081
Mon Jan 21, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Rent vs Own Assumptions
Replies: 46
Views: 2441

Re: Rent vs Own Assumptions

The maintenance/repairs seem very high (assuming this is not remodeling/updating bundled in). Only so many things can break in a house that are major expenses (roof, heating/cooling, leaks, etc). $163k is very high for these over 15 years. Though only one data point, we are 6-years in our house and ...
by runner3081
Sun Jan 20, 2019 10:16 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6256

Re: Paying thousands per ticket to attend the NFL Super Bowl?

Absolutely not. Had a chance a few years ago to watch my hometown team playing about 30 minutes from where I live. Didn't even consider it, simply not worth the money to me.

I have sort of grown out of my sports fanatic days.
by runner3081
Sun Jan 20, 2019 4:13 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 119
Views: 6501

Re: Grocery shopping strategy

We are fortunate. There are three separate chains within 1-mile of our house (Sprouts/Safeway/Fry's (Kroger).

Makes it very simple to shop the ads.

Those stores make up 90% of our grocery spending and we mix in some WalMart and discount grocers, on specific items.
by runner3081
Sun Jan 20, 2019 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Saving accounts
Replies: 46
Views: 3350

Re: Saving accounts

indexonlyplease wrote:
Sun Jan 20, 2019 9:49 am
At my Bank of America I have multiple account. Savings, checking, house spending, vacation and xmas. Does anyone else do this?
Seems like a fair amount of work, I have no need for that, personally.

I suppose it is good for someone who is unable to save appropriately for their wants/needs?
by runner3081
Sat Jan 19, 2019 8:05 am
Forum: Personal Consumer Issues
Topic: Buying Property in Northwest USA - Advice?
Replies: 17
Views: 1778

Re: Buying Property in Northwest USA - Advice?

I have no particular insight. However, if you want to stay close to family, check out other Montana towns: Missoula, Great Falls, Billings. Spokane, Washington is a great town. Lot's to do there. Prices have moved up, but not ridiculously. Ellensburg, WA, and Medford, Oregon are other areas worth c...
by runner3081
Sat Jan 19, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: diagnostic fee for car under warranty?
Replies: 15
Views: 1128

Re: diagnostic fee for car under warranty?

I haven't seen this explicitly, but nothing a dealer does surprises me.

Don't think about it for more than a second. Find another dealer for warranty work and start sourcing in independent mechanic in the meantime (warranties cover non-dealer work).
by runner3081
Sat Jan 19, 2019 7:55 am
Forum: Personal Consumer Issues
Topic: What do you read?
Replies: 10
Views: 542

Re: What do you read?

I would love to read more, but I just don't have time. I read three fiction books in 2018. Zero non-fiction books in the last 2-years. Not technically a millennial, just fall out of the group on the higher end. My wife reads pretty heavily and her books are 100% free from the library, both paper and...
by runner3081
Fri Jan 18, 2019 11:49 pm
Forum: Investing - Theory, News & General
Topic: So when do you sell?
Replies: 27
Views: 2647

Re: So when do you sell?

If you don't need the money, do you just hold onto your investments for years until you die then pass them on to your heirs if you have them? Do heirs receive taxable account investments on a step-up basis, or is that just Roth IRAs (forgive me I know little about the tax efficiency of bequeathment...
by runner3081
Fri Jan 18, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a home in one state and selling a home in another state. Should he get an Heloc to fund home purchase?
Replies: 7
Views: 411

Re: Purchasing a home in one state and selling a home in another state. Should he get an Heloc to fund home purchase?

chevca wrote:
Fri Jan 18, 2019 6:29 pm
He may be better off renting for a while, so he can let the current house sell and establish himself in the new state.
+1

Exactly what we did. Gave us time to find an area we liked. Had we bought in the area we "thought" we liked, it would have been a less than pleasant experience.
by runner3081
Thu Jan 17, 2019 10:08 pm
Forum: Personal Consumer Issues
Topic: Refurbished iPhones from Amazon
Replies: 23
Views: 1916

Re: Refurbished iPhones from Amazon

letsgobobby wrote:
Thu Jan 17, 2019 9:45 pm
How do y'all know these refurb phones from third party sellers aren't infected with spyware and keyloggers?
A factory reset should easily take care of that.
by runner3081
Thu Jan 17, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: Umbrella Coverage for Hired Subcontractors
Replies: 7
Views: 551

Re: Umbrella Coverage for Hired Subcontractors

Just curious, could there be negligence here? If you knowingly hire workers who are not licensed and bonded?
by runner3081
Thu Jan 17, 2019 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Where Do HSAs Fit in Asset Location?
Replies: 48
Views: 2791

Re: Where Do HSAs Fit in Asset Location?

Depends on use. If going to cashflow medical expenses and use HSA for retirement or later medical costs (10+ years out), I would follow your normal retirement allocation. If it is something you might tap in the next 5-years, keep it liquid and not invested. We are keeping for retirement, so it match...
by runner3081
Wed Jan 16, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: What is US Bank up to?! Easy Checking Secret Changes!
Replies: 11
Views: 1347

Re: What is US Bank up to?! Easy Checking Secret Changes!

I truthfully had no clue that US Bank was still around.

Wow.
by runner3081
Wed Jan 16, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: House Dillema
Replies: 12
Views: 1242

Re: House Dillema

Stay where you are at and use the funds for your future self. We used to be in the mindset that we needed to have a perfect house. Now, who cares. It is a house, we live in it. It is basic (clean, but basic and boring). I am not really sure a beautiful house would add anything to our happiness. Howe...
by runner3081
Wed Jan 16, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: How to set android phone to send phone solicitors directly to voice mail.
Replies: 27
Views: 1725

Re: How to set android phone to send phone solicitors directly to voice mail.

jebmke wrote:
Wed Jan 16, 2019 12:46 pm
Only my spouse has my cell phone number. I simply don't answer any calls that aren't her.
Agree. If the phone number is not in my Google address book, I simply decline it.
by runner3081
Mon Jan 14, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever filed an unpaid wage claim against employer?
Replies: 7
Views: 971

Re: Anyone ever filed an unpaid wage claim against employer?

No, but have been on the other side in HR a few times. The vast majority go away after a response from the company's legal rep. The couple that went further were at mediation and were settled for a pittance, not even enough to hit the business insurance.
by runner3081
Mon Jan 14, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: What deductible for Comprehensive and Collision Insurance?
Replies: 34
Views: 1520

Re: What deductible for Comprehensive and Collision Insurance?

We don't have collision and have $1k on comprehensive. This is truly a YMMV and personal question, since it has to do with your personal finances, appetite to gamble a bit, and betting on yourself Like runner3081, I do not carry collision but do carry $1k on comp. The comp is in case someone steals...
by runner3081
Mon Jan 14, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: HomeServe home warranty?
Replies: 6
Views: 664

Re: HomeServe home warranty?

We had a home warranty for two years. First year, paid by seller, second year on our own. We had a bunch of work done - never an issue with them paying. HOWEVER, when you add in the cost of the plan, service call fees, etc, we barely broke even (new hot water heater + plumbing, new washer, garage do...
by runner3081
Sun Jan 13, 2019 11:31 pm
Forum: Personal Consumer Issues
Topic: Fantastic Resort Recommendations???
Replies: 31
Views: 2942

Re: Fantastic Resort Recommendations???

Enchantment Resort, Sedona, AZ.

https://www.enchantmentresort.com
by runner3081
Sun Jan 13, 2019 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house at the peak of the market
Replies: 7
Views: 978

Re: Buying a house at the peak of the market

Don't market time...

If you can afford the house you want now, then buy it. If not, then don't.
by runner3081
Sun Jan 13, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: What deductible for Comprehensive and Collision Insurance?
Replies: 34
Views: 1520

Re: What deductible for Comprehensive and Collision Insurance?

We don't have collision and have $1k on comprehensive.
by runner3081
Sun Jan 13, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Understanding Chubb’s “deductible reserve”
Replies: 6
Views: 468

Re: Understanding Chubb’s “deductible reserve”

This seems highly illogical, and I suspect that my agent does not understand how the reserve works. Does anyone have any experience with this or knowledge of how the “deductible reserve” works? How so? When you made the decision to purchase insurance, you elected to essentially self-fund all claims...
by runner3081
Sun Jan 13, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Anyone used Credit Karma Free (Fed + State) Tax Filing?
Replies: 5
Views: 385

Re: Anyone used Credit Karma Free (Fed + State) Tax Filing?

Yes, I used it last year. Compared to TurboTax (The calculation part). No issues at all.
by runner3081
Sun Jan 13, 2019 8:52 am
Forum: Investing - Help with Personal Investments
Topic: How to invest 5k monthly
Replies: 25
Views: 2537

Re: How to invest 5k monthly

Pending the time horizon, it may not even matter and you may be creating too much work for yourself.
by runner3081
Sun Jan 13, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Understanding Chubb’s “deductible reserve”
Replies: 6
Views: 468

Re: Understanding Chubb’s “deductible reserve”

This seems highly illogical, and I suspect that my agent does not understand how the reserve works. Does anyone have any experience with this or knowledge of how the “deductible reserve” works? How so? When you made the decision to purchase insurance, you elected to essentially self-fund all claims...
by runner3081
Sat Jan 12, 2019 9:26 pm
Forum: Personal Consumer Issues
Topic: ROI calc on grocery expenses
Replies: 29
Views: 1889

Re: ROI calc on grocery expenses

It is very, very negative when you factor in health impacts. Totally agree. OTOH, not everyone cares about the health impacts of their daily diet. Same goes for attention to exercise or lack thereof. This isn't a judgment. It's just that people have different priorities in life and are making choic...
by runner3081
Sat Jan 12, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: ROI calc on grocery expenses
Replies: 29
Views: 1889

Re: ROI calc on grocery expenses

It is very, very negative when you factor in health impacts.
by runner3081
Sat Jan 12, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: Leave negative eBay feedback for item not received?
Replies: 7
Views: 619

Re: Leave negative eBay feedback for item not received?

I purchased an item on eBay in December. The seller never sent notification of shipment and didn't respond to my messages. I filed a case with eBay and got my money back. Should I also post a negative feedback? In the one other time I posted a negative feedback for failure to deliver the item, the ...
by runner3081
Sat Jan 12, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: Leave negative eBay feedback for item not received?
Replies: 7
Views: 619

Re: Leave negative eBay feedback for item not received?

Watty wrote:
Sat Jan 12, 2019 4:59 pm
That must have been a long time ago. I don't think sellers have been able to leave a buyer negative feedback for a long time now, which is one of the problems with eBay.
+1 I am a seller and it has been years since that was allowed - at least 5.
by runner3081
Sat Jan 12, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Elliptical recommendation under 2k
Replies: 13
Views: 754

Re: Elliptical recommendation under 2k

I like the free motion ones that allow you to run or walk on them. I never found that my body liked a traditional repetitive motion elliptical.
by runner3081
Thu Jan 10, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: Good bags/containers for packing snacks?
Replies: 17
Views: 955

Re: Good bags/containers for packing snacks?

I bought some reuseable bags on Amazon. You could PM me and I'd tell you which ones I bought though I really think they are all very similar. The reviews are kinda impossible to wade through (lots of 5s and 1s) but I am satisfied with my purchase. +1 We have used similar bags for years. It is also ...
by runner3081
Wed Jan 09, 2019 7:48 am
Forum: Investing - Theory, News & General
Topic: Your Vanguard Page
Replies: 32
Views: 2865

Re: Your Vanguard Page

Once per month, never more.
by runner3081
Tue Jan 08, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Paying "cash" for auto - possibly w regular credit card?
Replies: 57
Views: 4284

Re: Paying "cash" for auto - possibly w regular credit card?

It all depends, I paid for a car, entirely with a $5k CC transaction once.
by runner3081
Mon Jan 07, 2019 8:38 pm
Forum: Personal Consumer Issues
Topic: USPS Tracking Information Available Soon
Replies: 16
Views: 2001

Re: USPS Tracking Information Available Soon

DTalos wrote:
Mon Jan 07, 2019 5:38 pm
Information is usually updated within the hour of your visit. Please check back soon."
This part is not accurate - at least in practice. Due to a number of lost packages, we have each outgoing item scanned, in-person. Even with that and a receipt, the initial scans don't show up until overnight.
by runner3081
Mon Jan 07, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: How did store know what exact coupons to mail me?
Replies: 23
Views: 2278

Re: How did store know what exact coupons to mail me?

Have possibly ordered a cake, Thanksgiving dinner, etc there?
by runner3081
Mon Jan 07, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to estimate health insurance costs in case of job loss?
Replies: 22
Views: 1143

Re: Best way to estimate health insurance costs in case of job loss?

Oh, right... totally spaced out on COBRA... hopefully I don't send any awkward signals to HR by asking about my megacorp's COBRA rates tho... For future reference, COBRA is usually 102% of the total (Employer + Employee) cost. There is at times, a small administrative fee charged, thus the 2% markup.
by runner3081
Mon Jan 07, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: DIY question - leaky faucet - change stem valve or o-rings?
Replies: 20
Views: 1397

Re: DIY question - leaky faucet - change stem valve or o-rings?

If you have a faucet issue, the first resource to go to is the manufacturer, because brands like Moen and Delta are warrantied for life. . They will identify the necessary replacement parts and provide them for free, including free shipping. Do they require proof of purchase from your experience? A...
by runner3081
Sun Jan 06, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: Who pays for apps?
Replies: 42
Views: 2477

Re: Who pays for apps?

I have an Android and only "pay" for Apps with Google Rewards for completing short surveys. Essentially trading short bits of time, not cash for them.
by runner3081
Sun Jan 06, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: washer dryer rec
Replies: 22
Views: 1497

Re: washer dryer rec

We have had good luck with very basic and inexpensive units.
by runner3081
Sat Jan 05, 2019 8:15 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 408
Views: 41769

Re: What types of jobs do Bogleheads have?

alex123711 wrote:
Sat Jan 05, 2019 8:07 am
That is a lot of jobs,makes me feel slightly more confident about changing my career
Though, on my list, the last 9 jobs were at three companies over 14 years. Moved up quickly, then laterally and then up again.
by runner3081
Fri Jan 04, 2019 10:56 pm
Forum: Personal Consumer Issues
Topic: Recommend men's undershirts
Replies: 49
Views: 3533

Re: Recommend men's undershirts

You should see mine. Massive holes, thin as can be.

But guess what, they are undershirts. No one sees them, I don't care :)
by runner3081
Fri Jan 04, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8262

Re: What Do You Spend The Most On Annually?

1) Savings
2) Taxes
3) Food
4) Car Gasoline
5) Property Taxes
6) Electricity Bill
7) Auto Maintenance

These numbers are somewhat skewed from expected as we have very low monthly expenses and are frugal.
by runner3081
Thu Jan 03, 2019 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Market closes almost 700 points lower
Replies: 18
Views: 1676

Re: Market closes almost 700 points

Large institutional investors drive the market. Sometimes they need times to buy and sometimes they take profits.
by runner3081
Thu Jan 03, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: What Sudden Needs of Cash Do You Prepare For?
Replies: 64
Views: 3604

Re: What Sudden Needs of Cash Do You Prepare For?

My wife and I (both mid-30s) have always erred on the side of being hoarders of cash due to me being the only income (she stays home with our 2 young kids and we plan to homeschool). This likely means up to this point we have less invested than we should, but we sleep better at night. This is the f...
by runner3081
Thu Jan 03, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7347

Re: Engagement Ring (Affordable)

Silicone ring would be a good start. It is all very specific to her tastes, however. I spent right around $2.3K on engagement ring and wedding band for my wife. She spent about $150 on my ring. Here we are, 13 years later and they are both in a drawer somewhere. We may go to a silicone one at some p...
by runner3081
Wed Jan 02, 2019 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Lending Club
Replies: 18
Views: 1385

Re: Lending Club

Had been invested for many years. Not a good business model, got out this past year.
by runner3081
Wed Jan 02, 2019 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to 457b on top of 403b?
Replies: 5
Views: 397

Re: Should I contribute to 457b on top of 403b?

I am a school teacher and have both a 457b and a 403b. I choose to max out the 457b because I plan to retire early and you can access this money without penalty after 50 if you retire so thats a huge deal for me. The only problem with a 457 b is you basically have no access to the money even in eme...