Search found 1771 matches

by runner9
Fri Sep 30, 2016 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: 403B Advice
Replies: 3
Views: 101

Re: 403B Advice

What exactly is your question or concern? With costs sky high or very low or anywhere in between the more you put in the more you'll have in the future.
by runner9
Wed Sep 28, 2016 1:48 pm
Forum: Personal Consumer Issues
Topic: Remodel blunter: kitchen design flaw. What can I do now?
Replies: 41
Views: 3492

Re: Remodel blunter: kitchen design flaw. What can I do now?

I'll measure my cabinet width when I get home but I'm guessing is 12-14 inches. Get a narrower plumber.
by runner9
Mon Sep 26, 2016 11:48 am
Forum: Personal Consumer Issues
Topic: Mechanics of Mortgage Prepayment
Replies: 7
Views: 373

Re: Mechanics of Mortgage Prepayment

Try this calculator. You can put in the specific amount, month, etc.

http://www.mtgprofessor.com/calculators ... tor2a.html

Yes, if you make a larger than normal payment on the principal you'll have a larger than typical bump in increase to principal in the months going forward.
by runner9
Thu Sep 15, 2016 7:19 am
Forum: Personal Consumer Issues
Topic: How to fix doors that don't close after new carpet installation
Replies: 36
Views: 2465

Re: How to fix doors that don't close after new carpet installation

Personally, I'd post on a buy/sell/trade group on Facebook that you're looking for someone to do this. Personally, at least around here, I'd get several highly skilled folks interested for a low price.
by runner9
Wed Sep 14, 2016 4:44 pm
Forum: Personal Consumer Issues
Topic: How to fix doors that don't close after new carpet installation
Replies: 36
Views: 2465

Re: How to fix doors that don't close after new carpet installation

Cutting the bottom of the door a bit is the only way to go. Maybe find a friend/neighbor that can do it if you're not handy?
by runner9
Sat Sep 10, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for excercise
Replies: 17
Views: 1462

Re: Noise cancelling headphones for excercise

FreddieG wrote:I use a pair of cheap noise-isolating buds on the gym treadmill. $15


Do you have a name/link? I'm really looking for a less than $25 pair that I can still hear when there's loud outside noise.
by runner9
Fri Sep 09, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for excercise
Replies: 17
Views: 1462

Noise cancelling headphones for excercise

I've been using these $8 headphones for several years with running, walking, hiking, working around the house, etc. https://www.amazon.com/gp/product/B003CJTR82/ I mostly listen to podcasts an often they are quieter in general then music. Too often I turn the volume on the phone up all the way and s...
by runner9
Mon Sep 05, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: genealogy - starting
Replies: 19
Views: 1387

Re: genealogy - starting

Many public libraries have free access to ancestry if you're at the library
by runner9
Mon Sep 05, 2016 11:48 am
Forum: Personal Consumer Issues
Topic: genealogy - starting
Replies: 19
Views: 1387

Re: genealogy - starting

You can get a free ancestry.com account and build a tree using their software. The paid subscription will give you documents, hits, etc which you could do later or just skip entirely.
by runner9
Wed Aug 31, 2016 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 37166

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

For future reference from personal experience for those still following this thread:

When Elan closes your card number and reissues a new one because of fraud they also freeze online access, you can't login, until the new cards arrive.

That's what happened to us today.
by runner9
Wed Aug 31, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: Elan Fidelity 2% card website after fraud alert
Replies: 5
Views: 451

Re: Elan Fidelity 2% card website after fraud alert

For future reference: when Elan closes a card for fraud and reissues a new card all access to the card, including online, is frozen until the new card arrives.

(on the Fidelity side I can see the balance but that's it, clicking to view transactions gives the same error)
by runner9
Wed Aug 31, 2016 4:26 pm
Forum: Personal Consumer Issues
Topic: Elan Fidelity 2% card website after fraud alert
Replies: 5
Views: 451

Elan Fidelity 2% card website after fraud alert

This morning we got a call that there was possible fraud on our new Elan Fidelity 2% Visa credit card, which we only got in mid-late June. Long story short they said "it" was used to try to buy a coke at a vending machine in New York, and that's one way fraudsters try to test cards. So, ca...
by runner9
Tue Aug 23, 2016 12:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Select?
Replies: 14
Views: 1488

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: 1741

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: 289
Views: 37166

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: 289
Views: 37166

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: 6509

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: 3411

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: 289
Views: 37166

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: 289
Views: 37166

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: 1605

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: 1545

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: 1545

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: 1605

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: 1605

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: 1605

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: 1605

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: 1605

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: 46
Views: 3192

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: 1242

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: 1242

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: 2222

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: 19
Views: 2204

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: 289
Views: 37166

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: 289
Views: 37166

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: 2601

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: 3967

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: 2601

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: 2646

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: 2646

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: 1025

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: 1025

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: 1025

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: 289
Views: 37166

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: 7277

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: 289
Views: 37166

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: 289
Views: 37166

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: 289
Views: 37166

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...

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