Search found 1625 matches

by runner9
Wed Feb 10, 2016 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: 403b questions
Replies: 12
Views: 687

Re: 403b questions

Also check if her district (state) offers a 457 plan. In Ohio a good 403b is almost impossible find as an offering, but Ohio457 is available but unadvertised, their fees are lower than I can get on my own at Vanguard.
by runner9
Tue Feb 09, 2016 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Advice on my lackluster 403B options
Replies: 9
Views: 354

Re: Adice on my lackluster 403b options

Duplicate of here, flagged for deletion:

viewtopic.php?f=10&t=184226
by runner9
Tue Feb 09, 2016 7:57 am
Forum: Personal Consumer Issues
Topic: Nest Thermostat: Worth it
Replies: 19
Views: 2165

Re: Nest Thermostat: Worth it

We have a Lux, was rated #1 by consumer reports when we bought it 8 years ago. Works great, can set it to change the temp 4 times a day, all 7 days of a week can be different, has a nice hold button to keep it low when we're not home on a weekend or something. Turns it up for close to an hour in the...
by runner9
Mon Feb 08, 2016 2:10 pm
Forum: Personal Consumer Issues
Topic: Denver Vacation (with 6 year old)
Replies: 31
Views: 1932

Re: Denver Vacation (with 6 year old)

Thanks everyone! We've decided on Denver and Colorado Springs, skipping Cheyenne. We land at 4pm on June 1 and then takeoff at 9am on June 8. So, first thought was to land, get luggage and rental car and then drive to Colorado Springs in the daylights\ that evening. However, with the air force gradu...
by runner9
Sat Feb 06, 2016 7:37 am
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7141

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

Agreed, CFLs take time to warm up. Personally we like daylight color, and only use 5000 K bulbs, even though they are pricer. My MIL has 2 450 lumen CFLs in a light fixture which is a very dim light at turn on. I need regular 2-3000 K LEDs but a little smaller (less talk) than standard to fit. Any r...
by runner9
Sun Jan 31, 2016 8:42 am
Forum: Personal Consumer Issues
Topic: Manual can opener recommendation
Replies: 45
Views: 2660

Re: Manual can opener recommendation

I don't understand how you "break" a can opener. I've never used an electric can opener, just a manual, and we still have the cheapie we bought 35 years ago. Works just as well as when new. Many years ago we also had a relatively cheap can opener that lasted many years. It was well made. ...
by runner9
Sun Jan 31, 2016 8:39 am
Forum: Forum Issues and Administration
Topic: New Board Index Topic - Retirement Planning
Replies: 32
Views: 1559

Re: New Board Index Topic - Retirement Planning

I don't know the percentage but I think most viewers start with the Boglehead.org page where the threads of the different Boglehead forums are mixed together and all new posting are seen by many viewers. Using this page makes it easy to skip something that does not appear interesting and it is much...
by runner9
Wed Jan 27, 2016 7:34 pm
Forum: Personal Consumer Issues
Topic: Denver Vacation (with 6 year old)
Replies: 31
Views: 1932

Re: Denver Vacation (with 6 year old)

Thanks everyone so far, this is a lot of great information. I've read through it once but will certainly read it all very closely this weekend and take notes. Thanks!
by runner9
Wed Jan 27, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Denver Vacation (with 6 year old)
Replies: 31
Views: 1932

Denver Vacation (with 6 year old)

We just booked our plane tickets to fly in and out of Denver, June 1 to 8. Have just started researching what to do and where to stay. Having never been we're thinking of a day trip west on I-70 to Loveland Pass and possibly Breckenridge. Have also considered doing 1 or 2 nights in Cheyenne, Wyoming...
by runner9
Wed Jan 27, 2016 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Interest: year matured or year 1099 sent?
Replies: 7
Views: 404

Re: Savings Bond Interest: year matured or year 1099 sent?

Thanks all. Bond was purchased in December, 1985 and reached final (30 year) maturity in December, 2015.
by runner9
Wed Jan 27, 2016 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Cashing Matured Paper Savings Bond (our bank won't)
Replies: 9
Views: 1241

Re: Cashing Matured Paper Savings Bond (our bank won't)

Calling local branches: US Bank said no for non-customers. PNC and Huntington said yes, Huntington had better hours so we went there late yesterday afternoon and cashed it. Now I just need to decide what year to put it on taxes (matured in 2015, redeemed in 2016) https://www.bogleheads.org/forum/vie...
by runner9
Wed Jan 27, 2016 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Interest: year matured or year 1099 sent?
Replies: 7
Views: 404

Re: Savings Bond Interest: year matured or year 1099 sent?

Just above your quote it states: You have a choice. You can -report the interest every year -put off (defer) reporting the interest until you file a federal income tax return for the year in which the first of these events occurs: a-you redeem (cash in) the bond and receive what the bond is worth, i...
by runner9
Tue Jan 26, 2016 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Interest: year matured or year 1099 sent?
Replies: 7
Views: 404

Savings Bond Interest: year matured or year 1099 sent?

My wife's Series EE Savings Bond matured last December but I didn't realize it until early this month. We cashed it at a bank today, they said we'd get a 1099 for 2016 from them since that's when we cashed it. I know that taxes on interest is due the year it matures (unless payment was made year by ...
by runner9
Tue Jan 26, 2016 6:30 am
Forum: Personal Consumer Issues
Topic: Amazon Pricing & Search Methods
Replies: 11
Views: 986

Re: Amazon Pricing & Search Methods

To test your theory:

if I search "insulated cooler bag" the first response after the sponsored ones is "Arctic Zone Eco Blend 45 Can Freezer Tote" $21.24 for Blue or $14.85 for Red.
by runner9
Tue Jan 26, 2016 6:28 am
Forum: Personal Consumer Issues
Topic: Amazon Pricing & Search Methods
Replies: 11
Views: 986

Re: Amazon Pricing & Search Methods

I have not noticed this.

I like camelcamelcamel.com to look up the price history for a certain item.
by runner9
Mon Jan 25, 2016 6:17 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 116
Views: 10699

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

Just got my mid-January FIA AMEX statement. For some reason instead of normal order, from mid December to mid January, it lists all January 2016 transactions followed by all December 2015 transactions. Basically they were sorted by month and day with no consideration to year. Not a huge deal, but ex...
by runner9
Sat Jan 23, 2016 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing Matured Paper Savings Bond (our bank won't)
Replies: 9
Views: 1241

Re: Cashing Matured Paper Savings Bond (our bank won't)

Thanks but there isn't a Wells Fargo within 100 miles of us.
by runner9
Sat Jan 23, 2016 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing Matured Paper Savings Bond (our bank won't)
Replies: 9
Views: 1241

Cashing Matured Paper Savings Bond (our bank won't)

My wife has a Series EE Savings Bond she received as a child that's now matured, valued about $125. Only financial institutions she has accounts with are Ally and PenFed, and they both say they don't cash paper savings bond. (PenFed actually told me they did, I sent it to Omaha, NE and they sent it ...
by runner9
Sun Jan 10, 2016 5:05 pm
Forum: Personal Consumer Issues
Topic: Gas fireplace for heat
Replies: 26
Views: 2485

Re: Gas fireplace for heat

Latest episodes of This Old House are redoing a Victorian in Belmont MA. They've just installed sealed gas fireplace units that use outside air for combustion, etc through a double wall pipe. 6 AA batteries allow usage when there is no power, although I'm not sure if or how long a fan can operate o...
by runner9
Thu Jan 07, 2016 3:10 pm
Forum: Investing - Theory, News & General
Topic: [Market] Correction...Corection...Correction
Replies: 103
Views: 9801

Re: [Market] Correction...Corection...Correction

Stick an extra zero on the end and you've got yourself a sale A week ago stocks were about 30% overvalued, and they're still about 30% overvalued ... Any day moves are mere margins of error It is amazing to me the number of folks who think the downward movement over the past couple of days represen...
by runner9
Thu Jan 07, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: Gas fireplace for heat
Replies: 26
Views: 2485

Re: Gas fireplace for heat

What kind of cold air draft is present in the room by the doors when these units are off? Any air getting through? Feels cold or is same temp as the rest of the room?
by runner9
Tue Jan 05, 2016 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex: Security Annoyances
Replies: 92
Views: 8285

Re: Fidelity 2% Amex: Security Annoyances

There is a long thread, just on this topic:

viewtopic.php?f=2&t=181067&newpost=2745936
by runner9
Mon Jan 04, 2016 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex: Security Annoyances
Replies: 92
Views: 8285

Re: Fidelity 2% Amex: Security Annoyances

The "Coming January 4" page now shows a link to a Fidelity Visa page... https://www.fidelity.com/cash-management/visa-signature-card What does this mean for current card holders? Hopefully a seamless transition? (our credit is frozen, I hope that's not an issue) Why is your credit frozen?...
by runner9
Mon Jan 04, 2016 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex: Security Annoyances
Replies: 92
Views: 8285

Re: Fidelity 2% Amex: Security Annoyances

The "Coming January 4" page now shows a link to a Fidelity Visa page...
https://www.fidelity.com/cash-managemen ... ature-card

What does this mean for current card holders? Hopefully a seamless transition? (our credit is frozen, I hope that's not an issue)
by runner9
Sat Jan 02, 2016 4:29 pm
Forum: Investing - Theory, News & General
Topic: Excel function to return latest price
Replies: 37
Views: 3564

Re: Excel function to return latest price

I'm also using parago.de. I wish I could do 52 week high/low but I can't. I was running something else that quit maybe a year or 2 ago, I've been on this addon ever since without issues. Details of prior add-ons and issues are in this thread: https://www.bogleheads.org/forum/viewtopic.php?f=10&t...
by runner9
Sun Dec 27, 2015 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex: Security Annoyances
Replies: 92
Views: 8285

Re: Fidelity 2% Amex: Security Annoyances

Do you think your experience is different than if the same several hundred dollar fraudulent charge showed up on a different card?
by runner9
Sun Dec 20, 2015 6:05 pm
Forum: Personal Consumer Issues
Topic: 10% off Target GiftCards - Black Friday Preview
Replies: 45
Views: 7537

Re: 10% off Target GiftCards - Black Friday Preview

Just stopped and bought $300 worth for $270. Thanks for posting!
by runner9
Mon Dec 14, 2015 7:08 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard temporarily reports incorrect change in Prime MM expense ratio]
Replies: 45
Views: 3465

Re: [Vanguard temporarily reports incorrect change in Prime MM expense ratio]

I just logged in and also see the banner, which I know is an error.
by runner9
Mon Dec 14, 2015 1:56 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard temporarily reports incorrect change in Prime MM expense ratio]
Replies: 45
Views: 3465

Re: Vanguard Prime MM to Break the Dollar?

Based on a different thread question yesterday I logged in (ON SUNDAY) and it showed the same 0.16% ER and 0.15 yield with a C after it.
by runner9
Tue Dec 08, 2015 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Friday, 1/1 pay is really 12/31 (different tax year)
Replies: 24
Views: 2262

Re: Friday, 1/1 pay is really 12/31 (different tax year)

OP here, I called my payroll today to ask what day the last pay counts as. After a 5 minute wait they said it will be deposited on 12/31 but count for 1/1, and therefore 2016. I just went to payroll and put in a W4 to have $700 additional withheld. I'll go back on 12/18 and put in a new one for $0 e...
by runner9
Tue Dec 08, 2015 8:57 am
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 85
Views: 729

Re: Are you able to login to Vanguard this morning?

I was fine at 6:10am Eastern, checking a transaction from last night.
by runner9
Mon Dec 07, 2015 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Friday, 1/1 pay is really 12/31 (different tax year)
Replies: 24
Views: 2262

Re: Friday, 1/1 pay is really 12/31 (different tax year)

If you are paid biweekly and three times in December 2015, you are getting 27 paychecks in 2015. That was discussed here: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=153607&p=2478421 Being in education, her salary is paid August to May, so that doesn't really matter to the college.
by runner9
Mon Dec 07, 2015 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Friday, 1/1 pay is really 12/31 (different tax year)
Replies: 24
Views: 2262

Re: Friday, 1/1 pay is really 12/31 (different tax year)

The higher the gross pay the more, off the top, that goes to taxes. If the top dollar we make is at 70K the gov't. gets 15 cents, if it's at 75k they get 25 cents. We found out a few years ago that really adds up. Since then we've tried to put that over amount into a pre-tax 457. Going over a little...
by runner9
Mon Dec 07, 2015 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Friday, 1/1 pay is really 12/31 (different tax year)
Replies: 24
Views: 2262

Re: Friday, 1/1 pay is really 12/31 (different tax year)

I think we're ok, I forgot exemptions! Married filing jointly with 1 child. If taxable, after flexible spending, 457, Ohio STRS and medical insurance is 88,675 then: 88675 - 12,600 standard deduction -12,000 exemptions = 64,075. Tax on 64,075 is 8,688.75 by my calculation, minus 1K credit for Child ...
by runner9
Mon Dec 07, 2015 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Friday, 1/1 pay is really 12/31 (different tax year)
Replies: 24
Views: 2262

Re: Friday, 1/1 pay is really 12/31 (different tax year)

Thanks all. As I don't have any plans to open a traditional IRA going forward I'm not going to consider it just to save $110 or more in taxes this year.

I am going to estimate how much we owe in federal taxes and then make sure we have that much deducted, I can change my W2 now for 12/18.
by runner9
Mon Dec 07, 2015 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Friday, 1/1 pay is really 12/31 (different tax year)
Replies: 24
Views: 2262

Friday, 1/1 pay is really 12/31 (different tax year)

My wife has a 457 that we max. I realized this weekend that she's 2 contributions short of the max, and there's only 1 pay left this year (she gets paid every 2 weeks, 12/4 (contribution already there), 12/18, 1/1, etc) I had her call Ohio 457 today and they have 12/31 as a pay date, not 1/1. She ch...
by runner9
Mon Dec 07, 2015 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Teacher Certification
Replies: 11
Views: 970

Re: Teacher Certification

I'd make sure that she is interested in education for more than the portability and the schedule and realize that colleges are already pumping out more Elementary Ed majors than they know what to do with sometimes. Agreed times 5. Going through teacher job fairs 10 years ago many schools wouldn't e...
by runner9
Mon Dec 07, 2015 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Teacher Certification
Replies: 11
Views: 970

Re: Teacher Certification

Do note that every state is different, so license may or may not transfer. For instance, get licensed to teach in Maryland, move to Ohio and it's not vaild (from my limited knowledge)
by runner9
Thu Dec 03, 2015 2:40 pm
Forum: Forum Issues and Administration
Topic: Can I change my user name?
Replies: 11
Views: 1132

Re: Can I change my user name?

I changed mine years ago. PM LadyGeek with the new name you want (make sure it's not taken). Note that any prior posts that others quoted previously will still show the old username.
by runner9
Sat Nov 28, 2015 6:41 am
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Contributions 2016
Replies: 8
Views: 1329

Re: ROTH IRA Contributions 2016

Didn't know that. My Vanguard Roth contributions online never showed me an option regarding what year to contribute to from what I remember but I will double check. Thanks guys! When you make a contribution it should say "2015 Contribution" at the top. From January 1 to April 15 there wil...
by runner9
Mon Nov 23, 2015 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Joint Checking Account Suggestions
Replies: 10
Views: 1028

Re: Joint Checking Account Suggestions

Why not just go with Ally? It meets your requirements (up to $10 ATM fees refunded per month/Allpoint network is free)
by runner9
Thu Nov 19, 2015 8:24 am
Forum: Personal Finance (Not Investing)
Topic: What is the point of a Flagship Representative?
Replies: 69
Views: 7837

Re: What is the point of a Flagship Representative?

This thread's last post was nearly 2 months ago last night when I posted about how to change one's Flagship rep. Maybe I should start a new thread instead?
by runner9
Wed Nov 18, 2015 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: What is the point of a Flagship Representative?
Replies: 69
Views: 7837

Re: What is the point of a Flagship Representative?

This thread mentions changing reps a few times, how exactly does one do that? One of my parents died a little over 1.5 years ago, other parent has dealt with a Flagship rep with no issues/complaints, is now changed to someone else. Parent contacts them just about an introduction e-mail that went to ...
by runner9
Tue Nov 17, 2015 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex: Security Annoyances
Replies: 92
Views: 8285

Re: Fidelity 2% Amex: Security Annoyances

I'm crossing my fingers. We have a chimney that's been leaking and is only used by an orphan hot water tank that's 22 years old. Long story short, both are being replaced in the next 10 days. So, yesterday was 1/4 payment to construction company, today was 1/2 payment to HVAC/plumbing company, Frida...
by runner9
Sun Nov 08, 2015 5:24 pm
Forum: Personal Consumer Issues
Topic: Home water main leak in San Diego
Replies: 8
Views: 868

Re: Home water main leak in San Diego

This Old House is replacing a water line from street to inside the house on the next episode (at least here, airing Nov. 14, could vary for you). From the preview at the end of yesterday's episode they appear to be using a roil of copper and unrolling it as they go.
by runner9
Sun Nov 08, 2015 8:08 am
Forum: Personal Consumer Issues
Topic: Amazon Pricing of Product at different prices
Replies: 28
Views: 3277

Re: Amazon Pricing of Product at different prices

one strategy clark howard uses for many sites is to put something in your shopping cart and then leave it there for a couple days. if you don't buy it right away many times they sweeten the deal with a lower price offer. I don't believe this is true with Amazon. I often put stuff in the cart to thi...

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