Search found 1848 matches

by runner9
Wed Feb 22, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Amazon Coupon Code [expired now]
Replies: 23
Views: 2364

Re: Amazon Coupon Code

Thanks, used to get $50 of Red Robin gift cards for $41.37 with the code. Thanks!
by runner9
Mon Feb 20, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Software for photo slideshow
Replies: 7
Views: 474

Re: Software for photo slideshow

Thanks everyone for the suggestions. I ended up using Windows Movie Maker. With a bunch of google searches for help its was relatively easy and I think turned out pretty well, with transitions between all photos and music as well:) It will play on a continuous loop before the meeting and then when t...
by runner9
Mon Feb 20, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Disney Cruise instead of Disney World?
Replies: 45
Views: 4040

Re: Disney Cruise instead of Disney World?

Thank you to everyone for your opinions and advice. After much though and research we've booked a Royal Caribbean cruise for the very end of May/start of June. We found it to be a good price compared to a Disney cruise, and more relaxing and somewhat less planning then Disney World (at least on pape...
by runner9
Sun Feb 19, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard RMD taxes withheld for Ohio tax
Replies: 2
Views: 209

Vanguard RMD taxes withheld for Ohio tax

I'm helping my mom plan her RMD withdrawals for this year, the year she turns 70.5. I'm able to estimate her tax due using prior returns and know that Vanguard will allow her to have them withhold federal taxes at any percentage over 10% From a form linked from another thread it appears they offer w...
by runner9
Fri Feb 17, 2017 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (no idea where)
Replies: 18
Views: 1671

Re: Helping my MIL figure out her holdings (no idea where)

MIL reached out to me Wednesday to say that she wants help with the AT&T paperwork, it talks about "using a wizard online to supply info. I have no clue" This is the AT&T stock held/managed by Computer Shares. We're setting up a time to get together, is this just as easy as going t...
by runner9
Wed Feb 15, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Software for photo slideshow
Replies: 7
Views: 474

Software for photo slideshow

I'm making a photo slideshow for my son's cub scout pack. I have 117 photos right now with a week to go for people to submit. I'm guessing I'll have close to 200. I could just use the default slideshow in Windows but think a set order with music would be much nicer. There seem to be a lot of options...
by runner9
Wed Feb 15, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 72
Views: 9090

Re: Appalachian Trail thru-hike in retirement?

I've been listing to the podcast "Sounds of the Trail" which is real interviews and stories from real thru hikers. Everything from deep despair to great joy. Clearly the AT and PCT (and CDT) are very different in many ways, certainly worth researching before just picking the closest one ge...
by runner9
Tue Feb 14, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone know what the AXA 403(b) fees are?
Replies: 14
Views: 830

Re: Does anyone know what the AXA 403(b) fees are?

If you have extra money to do 457 and 403b then go for it, but I'd start with Ohio 457 for each of you, fees will be lower than your current 403 be offering, hard to get any lower going forward.
by runner9
Mon Feb 13, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: $80,000 sitting around
Replies: 8
Views: 1410

Re: $80,000 sitting around

I agree with above, put it in an Ally savings. At 1% you'll get $800 a year in interest. Can move to an Ally checking and write a check instantly, withdraw up to $1K a day at millions of ATMs with fee reimbursement, etc.
by runner9
Sat Feb 11, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone know what the AXA 403(b) fees are?
Replies: 14
Views: 830

Re: Does anyone know what the AXA 403(b) fees are?

What state are you in? In this post you say you're in Ohio, if so go to www.ohio457.org and call them Monday, it's most likely already an option for you. Super low fees, some Vanguard choices.

viewtopic.php?f=2&t=187279&p=2842324
by runner9
Mon Feb 06, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Disney Cruise instead of Disney World?
Replies: 45
Views: 4040

Re: Disney Cruise instead of Disney World?

Thanks all. Looking at prices we're leaning towards Disney World. There's no chance we'd pull our son out of school for a vacation. We could leave on Saturday, May 27 which might (?) avoid the worst of summer. The Unofficial Guide book will be delivered by Amazon tomorrow, I've been reading a lot on...
by runner9
Sat Feb 04, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Disney Cruise instead of Disney World?
Replies: 45
Views: 4040

Disney Cruise instead of Disney World?

We've been talking about a trip to Disney World for this summer. Our only child is 7. (he's also small for his age if that's a factor, 46 pounds and 48 3/4 inches tall) We haven't planned much yet, there's a ton of decisions to make, etc. The local paper ran a story about Disney cruises a few weeks ...
by runner9
Fri Feb 03, 2017 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Please help my in-laws move their business 401k away from EJ!
Replies: 7
Views: 1101

Re: Please help my in-laws!! Ensnared by Edward Jones

I'd recommend you retitle the thread to included that they are business owners and this is about moving a 401k. That might help folks with knowledge in that area to click and respond.
by runner9
Tue Jan 31, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (no idea where)
Replies: 18
Views: 1671

Re: Helping my MIL figure out her holdings (no idea where)

Thanks all. MIL is short on motivation on all things, which partly explains why this is just being started now. I've asked twice this week about calling "Joe" she called today (Tuesday) after he left for the day. Has asked the same questions repeatedly about the unclaimed fund form, such a...
by runner9
Mon Jan 30, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (no idea where)
Replies: 18
Views: 1671

Helping my MIL figure out her holdings (no idea where)

I’m starting to try to help my mother in law figure out her stock/investment/random holdings. She was widowed 8 years ago, I’ve offered many times since then but she chooses to ignore it. Last week she got a letter from “Legal Claimant Services” about some supposed found money. She’s not going to pa...
by runner9
Fri Jan 27, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Speed Queen
Replies: 10
Views: 1420

Re: Speed Queen

by runner9
Mon Jan 23, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Getting my electricity usage under control
Replies: 34
Views: 3724

Re: Getting my electricity usage under control

Don't insulate until you air seal :happy
by runner9
Thu Jan 19, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Reflectors to reflect only tail lights (or battery LED motion strip)
Replies: 26
Views: 1499

Re: Reflectors to reflect only tail lights (or battery LED motion strip)

Whole early 1950s city is like ours is, our yard is actually 50 feet wide, across the street is only 44. We like our neighbors, we won't buy their house and tear it down, nor do we have the money to do that. :happy Here's the view looking up the driveway: http://i64.tinypic.com/2lbkef5.jpg
by runner9
Thu Jan 19, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Reflectors to reflect only tail lights (or battery LED motion strip)
Replies: 26
Views: 1499

Re: Reflectors to reflect only tail lights (or battery LED motion strip)

Thanks all. Also forgot to mention this is a cul-de-sac so street traffic is a total non issue.
by runner9
Thu Jan 19, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Recommendations for radio stations
Replies: 16
Views: 1632

Re: Recommendations for radio stations

Personally if I need "focus" music helps, talking of any kind hurts. I listed to Amazon Prime music for music and podcasts for talk. You could also look at youtube and just listen to it if you have specific things you want to find to listen to.
by runner9
Wed Jan 18, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Reflectors to reflect only tail lights (or battery LED motion strip)
Replies: 26
Views: 1499

Re: Reflectors to reflect only tail lights (or battery LED motion strip)

OP here, I've adding a couple more photos to help with the visualization. This is the view from the center of wife's garage door looking down the driveway. Her side is right looking down driveway/away from the house: http://i66.tinypic.com/2m6wrrq.jpg This is from the center of my side's garage door...
by runner9
Wed Jan 18, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Reflectors to reflect only tail lights (or battery LED motion strip)
Replies: 26
Views: 1499

Re: Reflectors to reflect only tail lights (or battery LED motion strip)

Thanks! I hadn't thought of solar powered. Looks like amazon has a ton of led solar powered motion sensor light. Now I need to find one that isn't super bright....don't need to be backing into bright headlight-like light.
by runner9
Wed Jan 18, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Reflectors to reflect only tail lights (or battery LED motion strip)
Replies: 26
Views: 1499

Re: Reflectors to reflect only tail lights (or battery LED motion strip)

OP here, thanks all. I did shine an iphone flashlight on it, it's was very reflective then. So, maybe I need an LED strip that activates with motion, preferably battery operated and of course for outside use.

Image
by runner9
Tue Jan 17, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: Reflectors to reflect only tail lights (or battery LED motion strip)
Replies: 26
Views: 1499

Reflectors to reflect only tail lights (or battery LED motion strip)

This morning in the dark and rain my wife backed into the house while trying to back down the driveway from our detached garage. The house and she are fine, the electric meter and car not so much. :| I stopped at Home Depot and got some reflective tape to put on the corner of the house to make it mo...
by runner9
Fri Jan 06, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Ohio 529 Rollover / Tax questions
Replies: 5
Views: 408

Re: Ohio 529 Rollover / Tax questions

So page 47 that I quoted and a phone rep stated contradicting answers? If so, wouldn't the printed legal document be correct?
by runner9
Thu Jan 05, 2017 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank - Is this a safe/best place to stash some cash?
Replies: 68
Views: 7753

Re: Ally Bank - Is this a safe/best place to stash some cash?

I see from another post that you holdings At Vanguard. What does your wife think of then? Neither has physical locations, only one is FDIC insured.
by runner9
Thu Jan 05, 2017 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank - Is this a safe/best place to stash some cash?
Replies: 68
Views: 7753

Re: Ally Bank - Is this a safe/best place to stash some cash?

We use Ally as our ONLY bank. Only issue is depositing cash, can only do it via getting a money order and mailing it in. I use the e-deposit on my phone about once a week, no issues at all. Really like the convenience of e-check and of using any ATM. Much better rates, convenience and service than o...
by runner9
Sat Dec 31, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: No VIIIX Distribution in HealthEquity Account
Replies: 16
Views: 1276

Re: No VIIIX Distribution in HealthEquity Account

Ohio457 posted that dividend on 12/23.
by runner9
Sat Dec 31, 2016 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Ohio 529 Rollover / Tax questions
Replies: 5
Views: 408

Re: Ohio 529 Rollover / Tax questions

I've read my copy of the 9/8/2016 " College Advantage Direct 529 Savings Plan: Offering Statement and Participation Agreement" which is the 76 page legal document. https://www.collegeadvantage.com/docs/default-source/enrollment-forms/offering-statement-and-participation-agreement.pdf At th...
by runner9
Fri Dec 30, 2016 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Charitable Distribution: "public charity" definition
Replies: 15
Views: 636

Qualified Charitable Distribution: "public charity" definition

I'm helping my mother plan her first RMD this coming year, she turns 70 1/2 in the spring (2017). We know that to make a QCD it must occur after the actual date she turns 70 1/2. I'm trying to understand the "public charity" part of this paragraph: To qualify for QCD treatment, the rules a...
by runner9
Thu Dec 29, 2016 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard goof up on contribution to IRA?
Replies: 25
Views: 1848

Re: Vanguard goof up on contribution to IRA?

Maybe someone could speak to what the difference is. Is there any tax difference? If wrong the other way might limit your own contribution.
by runner9
Thu Dec 29, 2016 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard goof up on contribution to IRA?
Replies: 25
Views: 1848

Re: Vanguard goof up on contribution to IRA?

Did you send Vanguard the endorsed check from the insurance company or deposit that check and then write Vanguard one from your own checking account?
by runner9
Wed Dec 28, 2016 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Age-Based Vanguard 529 funds
Replies: 2
Views: 311

Re: Age-Based Vanguard 529 funds

I'm not expert, but those numbers are high compared to options of Vanguard funds through Ohio's 529.

https://www.collegeadvantage.com/new-to ... portfolios
by runner9
Fri Dec 23, 2016 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Additional tax paperwork with a taxable account
Replies: 5
Views: 442

Additional tax paperwork with a taxable account

To keep this short, we're considering opening a taxable account right after Jan 1, and putting $10K from savings into total stock market. (VTSAX) Our savings account keeps growing, we have no debt, paid off 2 cars and home, max 2 Roths and 1 457b. Prefer taxable over a second 457 for lower RMD in th...
by runner9
Wed Dec 21, 2016 2:25 pm
Forum: Personal Consumer Issues
Topic: Shipping Large Items Cross-Country?
Replies: 10
Views: 865

Re: Shipping Large Items Cross-Country?

Not used myself, but on an old machine woodworking forum a lot of guys use:

https://www.fastenal.com/en/22/third-pa ... .fcomjvm04
by runner9
Tue Dec 20, 2016 8:32 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 176
Views: 13569

Re: Cost of dog ownership.

To each his own, though that's more expensive than my dog. You could also add up the cost of a child and make the same claim...
by runner9
Sun Dec 18, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: If a tree falls
Replies: 60
Views: 4468

Re: If a tree falls

Gill wrote:Why the discussion on sharing the cost? It's the neighbor's tree and he is responsible for the entire cost of the damages.
Gill


Not in most states. A tree branch, unless clearly diseased, is considered to have dropped from the sky for insurance purposes. Where it came from is irrelevant.
by runner9
Sun Dec 18, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Snowblower: lubricating discharge chute?
Replies: 20
Views: 2238

Re: Snowblower: lubricating discharge chute?

Airens Non Stick Polymer Coating

http://www.homedepot.com/p/Ariens-Non-S ... /204494302

$10 at Home Depot, made by a snow blower company for this purpose
by runner9
Sun Dec 18, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: If a tree falls
Replies: 60
Views: 4468

Re: If a tree falls

Since the branch is mostly down can't you find someone to cut it up for free to haul away for their own firewood? A few years ago a tree fell from the neighbor behind my neighbor onto the main power lines running along the back of the properties, sagging but not breaking the main wires. Two days la...
by runner9
Tue Dec 13, 2016 8:40 am
Forum: Personal Consumer Issues
Topic: Any way to improve single stage snowblower?
Replies: 19
Views: 1421

Re: Any way to improve single stage snowblower?

I just bought this auger kit from Amazon, as I don't have a dealer within 15 miles. I know that I still need a scraper blade I can't find one with good reviews on Amazon.

https://www.amazon.com/gp/product/B0073W3NAW/
by runner9
Tue Dec 13, 2016 7:46 am
Forum: Personal Consumer Issues
Topic: Any way to improve single stage snowblower?
Replies: 19
Views: 1421

Re: Any way to improve single stage snowblower?

OP here, I'm so sorry. My current snowblower is not a Toro, it's a Honda HS520, most likely a Honda HS520AS (manual says HS520A and HS520AS).

I am looking to see about replacement auger paddles right now, as 8-18 inches are on the way Wednesday night through Friday morning.
by runner9
Mon Dec 12, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: Any way to improve single stage snowblower?
Replies: 19
Views: 1421

Re: Any way to improve single stage snowblower?

OP here, what would I do to "keep the paddles in good shape"?
by runner9
Mon Dec 12, 2016 8:47 am
Forum: Personal Consumer Issues
Topic: Any way to improve single stage snowblower?
Replies: 19
Views: 1421

Any way to improve single stage snowblower?

This weekend we had 16 inches of wet snow. Because of work and night I couldn't go out and snow blow every couple inches, so two 8 inch attempts led to a clogged shoot repeatedly, so I ended up shoveling. Then I went out with just an inch of very wet (33 degrees) snow and it clogged a few times but ...
by runner9
Sun Dec 11, 2016 3:52 pm
Forum: Personal Consumer Issues
Topic: Recs for blood pressure monitor for home use please
Replies: 13
Views: 1325

Re: Recs for blood pressure monitor for home use please

My wife got this one in June. Took to the next doctor appt, it showed the same as their equipment. She uses it everyday with no issues and likes it.

https://www.amazon.com/gp/product/B00KPQB2KG/
by runner9
Sun Dec 11, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: Two stage Snowblowers -- 22" or 28+"?
Replies: 40
Views: 2592

Re: Two stage Snowblowers -- 22" or 28+"?

Is there any end of season discount in price on snowblowers, or do they just sit until next season at full price?
by runner9
Sun Dec 11, 2016 11:11 am
Forum: Personal Consumer Issues
Topic: Ever had a CFL bulb fail like this?
Replies: 23
Views: 2402

Re: Ever had a CFL bulb fail like this?

I agree that LED price point is low enough it's the way to go. I have a box of CFLs that still work, having replaced with LED in main, often on, light fixtures. I'll continue using them in lights we rarely turn on (guest bedroom, attics, etc.) but otherwise LEDs only going forward.
by runner9
Sat Dec 10, 2016 6:37 pm
Forum: Personal Consumer Issues
Topic: Two stage Snowblowers -- 22" or 28+"?
Replies: 40
Views: 2592

Re: Two stage Snowblowers -- 22" or 28+"?

I've spent too much of today clearing 14 inches of very wet snow that clogged my pretty good Toro single stage thrower so many times I shoveled by hand. Now pretty tired, I've enjoyed this thread. My single stage can't handle a snowfall 1-3 times a year. I'm thinking of upgrading at some point, grea...

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