Search found 1759 matches

by runner9
Tue Aug 23, 2016 12:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Select?
Replies: 14
Views: 1346

Re: Vanguard Flagship Select?

A shorter time on hold when calling than a 'regular" Vanguard customer. There's a thread right now about long wait times. With Flagship a direct call to a rep or, if not available, Flagship desk with minimal wait. Of course, you'd need to have a reason to call to have this benefit.
by runner9
Tue Aug 23, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance question
Replies: 23
Views: 1598

Re: Homeowner's insurance question

Here in the midwest we have very large rural and even semirural areas that use well water and don't have hydrants. I grew up in a township with many thousand people, the fire dept had a tanker truck and still does to use for larger fires.
by runner9
Mon Aug 22, 2016 5:22 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34507

Re: [Fidelity drops AmEx, Bank of America credit cards]

Does anyone know when points are automatically converted to 2% and put in an IRA, if already set up? With FIA my statement was cut on the 13th of a month, and if over 5K in points it was deposited roughly the 5th of the next month. Did you call the credit card company to ask? They can give you exac...
by runner9
Sat Aug 20, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34507

Re: [Fidelity drops AmEx, Bank of America credit cards]

Does anyone know when points are automatically converted to 2% and put in an IRA, if already set up?

With FIA my statement was cut on the 13th of a month, and if over 5K in points it was deposited roughly the 5th of the next month.
by runner9
Thu Aug 18, 2016 2:22 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 5891

Re: Posts that most users cannot see?

What do the lower case letters in the second column under the word "Replies" mean? I don't get to the forum through this portal, either. If you scroll to the very bottom it says: Subforum key: h = Investing - Help with Personal Investments t = Investing - Theory, News & General p = Pe...
by runner9
Thu Aug 18, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: Orange cable from utility pole on the ground on my property
Replies: 47
Views: 3246

Re: Orange cable from utility pole on the ground on my property

Around here it would for sure be Time Warner Cable's wire, and I would just call them and ask about it.
by runner9
Wed Aug 17, 2016 5:52 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34507

Re: [Fidelity drops AmEx, Bank of America credit cards]

Doesn't fully answer your "issue" but it does say when you hover on the question mark: You can choose the day of the month from the available dates that you want your payment to be made. If this day falls on a Saturday, Sunday or holiday, the payment will be posted on the next business day...
by runner9
Tue Aug 16, 2016 5:46 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34507

Re: [Fidelity drops AmEx, Bank of America credit cards]

When I log in it says next payment due 8/17 and autopay set up to pay on the 15th. Pialara at customer service was very clear that this takes a full cycle to take effect and my last bill from FIA is not going to autopay, I have to do it manually. As nothing has shown up either on my bank account or ...
by runner9
Fri Aug 12, 2016 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Appealing out of network medical bill while on vacation
Replies: 18
Views: 1551

Re: Appealing out of network medical bill while on vacation

To update, we’ve received two actual bills. The first, as mentioned above, is from the ER doctor company and is for $127. I called and asked them to waive it as paid in full, as insurance paid 85%. They politely declined. I then told them I would appeal to our insurance company. They voluntarily sai...
by runner9
Fri Aug 12, 2016 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Drivers License # for health records?
Replies: 18
Views: 1368

Re: Drivers License # for health records?

I try to keep social security number private and secret, not public to pass to whoever wants it. Are they able to obtain it from another source? I don't feel as though I should publicly share the name of the ambulance company. I will give an update on my other thread about the whole medical insuranc...
by runner9
Thu Aug 11, 2016 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Drivers License # for health records?
Replies: 18
Views: 1368

Drivers License # for health records?

We are trying to get medical records for my wife from a company to assist in a denial appeal with our insurance. The company's letters are kind of aggressive and they have many resolved complaints with the BBB, including sending to collections. Every time I call they say "Oh, we're missing her ...
by runner9
Sat Aug 06, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Appealing out of network medical bill while on vacation
Replies: 18
Views: 1551

Re: Appealing out of network medical bill while on vacation

I edited the original post to add: We received a bill from the ER doctor company that states it's due on 9/1. The company billed insurance for 2 procedures a total of $845 and insurance paid $718, leaving a "balance bill" that has been billed of $127. I am going to call the company on Mond...
by runner9
Sat Aug 06, 2016 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Appealing out of network medical bill while on vacation
Replies: 18
Views: 1551

Re: Appealing out of network medical bill while on vacation

Just to clarify: the ACA requiring out of network emergency care to be covered fully only applies to market purchased insurance correct? Ours is through my employer so not directly applicable? No, ACA rules apply to all insurance policies. The only places where there might be exceptions is employer...
by runner9
Fri Aug 05, 2016 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Appealing out of network medical bill while on vacation
Replies: 18
Views: 1551

Re: Appealing out of network medical bill while on vacation

Just to clarify: the ACA requiring out of network emergency care to be covered fully only applies to market purchased insurance correct? Ours is through my employer so not directly applicable?
by runner9
Fri Aug 05, 2016 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Appealing out of network medical bill while on vacation
Replies: 18
Views: 1551

Re: Appealing out of network medical bill while on vacation

Thanks both of you. To clarify, we got an actual bill today for the difference, it says payment due 9/1. So far insurance seems helpful in next steps I should take.
by runner9
Fri Aug 05, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Appealing out of network medical bill while on vacation
Replies: 18
Views: 1551

Appealing out of network medical bill while on vacation

Long story short, while in Colorado on vacation in early June my wife had a health scare that meant an ambulance ride and several hour ER stay. This was all out of network as we were over a thousand miles from home. Insurance says they pay as if in network for emergencies, and I believe our situatio...
by runner9
Thu Aug 04, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 43
Views: 2652

Re: Cricket Wireless - Selecting a Smartphone

Not what you're looking for, but wife and I both bought iphone 5s unlocked and use at Cricket without any issues.
by runner9
Thu Aug 04, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Website Inaccessible all Week
Replies: 16
Views: 1188

Re: Ally Bank Website Inaccessible all Week

mnvalue wrote:It was your bookmark. The same thing happened to me. Ideally, Ally would have kept the old URL working via a redirect, but they didn't.


Thanks, that fixed it.

Ally.com works but https://secure.ally.com/allyWebClient/login.do does not.
by runner9
Thu Aug 04, 2016 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Website Inaccessible all Week
Replies: 16
Views: 1188

Re: Ally Bank Website Inaccessible all Week

I mostly use the app with no issues but just tried the based on this thread: it bring up a "we're down" message on IE, the brower I use only for banking, but loads fine in Firefox. Guessing I need to clear the cookies or something?
by runner9
Thu Aug 04, 2016 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Has Anyone Filed a Formal Complaint Against a Real Estate Licensee
Replies: 30
Views: 2188

Re: Has Anyone Filed a Formal Complaint Against a Real Estate Licensee

My initial thought was (back when it was occurring) could you have called the police for burglary, or breaking and entering as you owed the home and he entered without permission.
by runner9
Tue Aug 02, 2016 6:13 pm
Forum: Personal Consumer Issues
Topic: Are these home [insulation] items worth it?
Replies: 18
Views: 1772

Re: Are these home installation items worth it?

I forgot to ask about outlet insulators but just found this - http://www.usinspect.com/insights/blog/do-foam-outlet-and-switch-box-gaskets-work I figure for $7 and about 10 minutes of work I might as well. I've also seen it recommended to put the baby outlet plugs on outside walls for a little extr...
by runner9
Sun Jul 31, 2016 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34507

Re: [Fidelity drops AmEx, Bank of America credit cards]

I tried today and hung up after 12 minutes on hold. My last FIA statement was originally autopay for Aug 13. It shows the balance on prior statements on Elan but I can't see a statement or autopay or anything. I'm going to try to call again in a few days but don't know if it's going to autopay, if ...
by runner9
Fri Jul 29, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34507

Re: [Fidelity drops AmEx, Bank of America credit cards]

I tried today and hung up after 12 minutes on hold. My last FIA statement was originally autopay for Aug 13. It shows the balance on prior statements on Elan but I can't see a statement or autopay or anything. I'm going to try to call again in a few days but don't know if it's going to autopay, if I...
by runner9
Thu Jul 28, 2016 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Vanguard web site: hide fund with 0 balance
Replies: 10
Views: 2437

Re: Question on Vanguard web site: hide fund with 0 balance

Traditional IRA has 3 funds with balances, about 11 with balances of $0. So, she doesn't want to hide the whole account, just the $0 lines.

Traditional before and after is only mutual funds, taxable had an ETF and mutual funds, now just mutual funds
by runner9
Thu Jul 28, 2016 5:28 pm
Forum: Personal Consumer Issues
Topic: It's too hot
Replies: 49
Views: 3832

Re: It's too hot

My understanding is that attic fans are to draw in cool air and get rid of hotter indoor air out through the fan. This works at night when it cools down outside.

Are there good, thick, light blocking shades on the now exposed south facing windows?
by runner9
Thu Jul 28, 2016 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Vanguard web site: hide fund with 0 balance
Replies: 10
Views: 2437

Re: Question on Vanguard web site: hide fund with 0 balance

I know this thread is a few years old, is this still the way to hide them? I helped my mom simply her portfolio holdings earlier this week. She now has about 6 total funds with balances and 13 funds with $0 balance that all show on balances and holdings. When she goes to "customize this page&qu...
by runner9
Mon Jul 25, 2016 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Switching $1.5 mil traditional and taxable to 3 fund portfolio
Replies: 15
Views: 2606

Re: Switching $1.5 mil traditional and taxable to 3 fund portfolio

Thanks all. She sees no need for the money now or going forward, though it could certainly change. She's in good health, has pension/ss/etc covering costs. RMDs will start in 2017, though it still probably won't be needed and may just be put in taxable.
by runner9
Mon Jul 25, 2016 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Switching $1.5 mil traditional and taxable to 3 fund portfolio
Replies: 15
Views: 2606

Re: Switching $1.5 mil traditional and taxable to 3 fund portfolio

To update, tomorrow I'm going to help my mom exchange her 15 funds to the following: Traditional IRA: 50% each into: Vanguard LifeStrategy Moderate Growth Fund (VSMGX) Vanguard LifeStrategy Conservative Growth Fund (VSCGX) Taxable: 100% into: Vanguard Tax-Managed Balanced Fund Admiral Shares (VTMFX)...
by runner9
Sun Jul 24, 2016 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Selling MF with monthly dividend near end of month
Replies: 17
Views: 991

Re: Selling MF with monthly dividend near end of month

Thanks all! I'll plan to go this Tuesday.
by runner9
Sun Jul 24, 2016 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Selling MF with monthly dividend near end of month
Replies: 17
Views: 991

Re: Selling MF with monthly dividend near end of month

The six funds in question are: Traditional IRA: Intermediate Term Investment Grade-Admirial VFIDX High-Yield Corporate Fund-Admiral VWEAX Long-Term Investment Grade-Admiral VWETX Taxable: Ohio Tax-Exempt Money Market VOHXX Intermediate Term Investment Grade-Admirial VFIDX Short-Term Investment Grade...
by runner9
Sun Jul 24, 2016 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Selling MF with monthly dividend near end of month
Replies: 17
Views: 991

Selling MF with monthly dividend near end of month

As detailed on another thread, I'm helping my mother simply her 15 fund portfolio down to a 3, two of which are LifeStrategy funds. Right now I'm planning to go to her house (an hour away) on Tuesday (July 26) and we'll sit together at her computer and exchange her funds from current holdings to the...
by runner9
Fri Jul 22, 2016 10:41 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34507

Re: [Fidelity drops AmEx, Bank of America credit cards]

Today should be the last day to access account information on the FIA website. I just called Elan and they agreed with FIA, my last FIA statement/balance, due August 13, will show up on the Elan website next Tuesday, July 26 and I can pay it from there or it will autopay, something like that. I'll c...
by runner9
Mon Jul 18, 2016 6:07 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 7018

Re: HOA Swimming Pool Trespassing Issue

How high is the fence? Put a lock on the gate and have 1 person lock it at 8pm, unlock at open time, etc.
by runner9
Wed Jul 13, 2016 10:41 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34507

Re: [Fidelity drops AmEx, Bank of America credit cards]

I see no guidance about setting up the date of autopay. You go to set it up and it asks what day of the month you want to pay. How about on the due date, but there's no information readily seen on the website as to the new closing date, the grace period, etc. For us, the Account Summary page shows ...
by runner9
Wed Jul 13, 2016 9:04 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34507

Re: [Fidelity drops AmEx, Bank of America credit cards]

Your old card will remain active until July 22. On July 23 your balance will be transferred to your new card. If you set up Auto Pay for the new card then your next payment date will be the date you selected when setting up Auto Pay. Setting up Auto Pay was not too difficult. Setting up the rewards...
by runner9
Wed Jul 13, 2016 6:05 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34507

Re: [Fidelity drops AmEx, Bank of America credit cards]

Your old card will remain active until July 22. On July 23 your balance will be transferred to your new card. If you set up Auto Pay for the new card then your next payment date will be the date you selected when setting up Auto Pay. Setting up Auto Pay was not too difficult. Setting up the rewards...
by runner9
Sun Jul 10, 2016 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Edwards Jones to Vanguard
Replies: 14
Views: 1343

Re: Edwards Jones to Vanguard

I agree to start with Vanguard and have them pull it from Edward Jones.

Also, as a teacher in Ohio you're probably eligible for Ohio 457 (http://www.ohio457.org). I'd stick with just the Roth right now but keep Ohio 457 in mind and for sure use it before any of the 403b options.
by runner9
Sat Jul 09, 2016 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34507

Re: [Fidelity drops AmEx, Bank of America credit cards]

With a statement credit you get less than 2%. This is change from the amex. I don't have a Fidelity account and many not bother with this card anymore since I have citi double cash if I am able to redeem all my amex worldpoints before the transfer. In the rewards center when logged in to the new ca...
by runner9
Fri Jul 08, 2016 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34507

Re: [Fidelity drops AmEx, Bank of America credit cards]

Our cards just arrived in the mail late this afternoon. Do I have to keep money at Fidelity to keep the card? My wife is primary, about 5% our combined retirement portfolio is at Fidelity, and cash rewards have been deposited into her account. It appears from glancing at the literature that a statem...
by runner9
Tue Jul 05, 2016 6:42 am
Forum: Investing - Theory, News & General
Topic: A few questions [Tracking mutual fund prices vs. ETF]
Replies: 8
Views: 836

Re: A few questions [Tracking mutual fund prices vs. ETF]

As for tax efficiency, completing taxes, etc if this is in a Roth or Traditional it's a non-issue. Only an issue if in a taxable account.
by runner9
Tue Jul 05, 2016 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Dashboards for personal finance analysis
Replies: 4
Views: 760

Re: Dashboards for personal finance analysis

I use Excel along with the free add-on at http://www.parago.de that updates prices.
by runner9
Tue Jul 05, 2016 6:35 am
Forum: Personal Consumer Issues
Topic: Your Favorite Factory Tours?
Replies: 70
Views: 4537

Re: Your Favorite Factory Tours?

Hammond's Candies in Denver.

They are the biggest producer of hard candy in the country, all of it made by hand. They just recently started making a tiny amount of chocolate. Free and very different from a chocolate factory tour.

http://www.hammondscandies.com/factory-tours-parties
by runner9
Mon Jul 04, 2016 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34507

Re: [Fidelity drops AmEx, Bank of America credit cards]

Friday I got a 9 page card agreement, hoping we get our cards in the next few days' mail....
by runner9
Sat Jul 02, 2016 7:30 am
Forum: Personal Consumer Issues
Topic: Reducing Electric Bill- Point of Diminishing Returns?
Replies: 34
Views: 3557

Re: Reducing Electric Bill- Point of Diminishing Returns?

I saw in an earlier post that you work from home and wife mostly does (or something to that effect) so gains might be more if you're home most of the time. Glad I live in the cheaper midwest, my last 12 month average for electric is $52.01 and natural gas is $39.85. I spent about 1K in spring of 20...
by runner9
Thu Jun 30, 2016 5:11 pm
Forum: Personal Consumer Issues
Topic: Visiting Denver soon
Replies: 9
Views: 820

Re: Visiting Denver soon

We went earlier this month, had a great time. Folks on this board said to not do Wyoming unless you're driving well into the state. We did Colorado Springs and really enjoyed it. Here's my thread:

viewtopic.php?f=11&t=183194
by runner9
Wed Jun 29, 2016 4:23 pm
Forum: Personal Consumer Issues
Topic: Reducing Electric Bill- Point of Diminishing Returns?
Replies: 34
Views: 3557

Re: Reducing Electric Bill- Point of Diminishing Returns?

Attic insulation has multiple benefits. I DYI R-60 in my attic and leave the windows open at night when it gets cool and close them in the morning, on hot days people think that I have air conditioning. Same here. I don't understand people that leave windows open on hot days. You wouldn't run your ...
by runner9
Wed Jun 29, 2016 4:01 pm
Forum: Personal Consumer Issues
Topic: Reducing Electric Bill- Point of Diminishing Returns?
Replies: 34
Views: 3557

Re: Reducing Electric Bill- Point of Diminishing Returns?

I saw in an earlier post that you work from home and wife mostly does (or something to that effect) so gains might be more if you're home most of the time. Glad I live in the cheaper midwest, my last 12 month average for electric is $52.01 and natural gas is $39.85. I spent about 1K in spring of 201...
by runner9
Wed Jun 29, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34507

Re: [Fidelity drops AmEx, Bank of America credit cards]

Is anybody else still waiting on their new cards? Haven't received mine yet despite the card being visible in my Fidelity account for nearly three weeks. I called last week, and they said it was in the mail. No card as of today. Might end up calling again to be sure it didn't get lost in the mail, ...

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