Search found 1682 matches

by runner9
Tue May 03, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: Bought wrong car - Revision - ES350 advice
Replies: 2
Views: 215

Re: Bought wrong car - Revision - ES350 advice

viewtopic.php?f=11&t=190506&newpost=2891820

All who said that are now missing this because you started another thread.
by runner9
Mon May 02, 2016 2:02 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman's Emergency Fund Recommendation
Replies: 22
Views: 2439

Re: Paul Merriman's Emergency Fund Recommendation

When did Paul Merriman suggest this? I've found he's mostly retired now, and am wondering if this is old advice?

Before the 2007-2009 recession Money markets paid a good 5-6% and that was often higher than banks.

Now, not at all.
by runner9
Thu Apr 28, 2016 5:20 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 4979

Re: What's become of Consumer Reports?

Maybe this should be combined with this thread from last September:

viewtopic.php?f=11&t=173744
by runner9
Thu Apr 28, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: Car Seat for vacation car rental
Replies: 14
Views: 465

Re: Car Seat for vacation car rental

Thanks all. I missed that Frontier allows a carseat to travel free. I think we'll take a car seat, either his current one or a new one he'll be growing into at some point. (he's small for his age and not making a lot of progress though he's a great eater!)
by runner9
Thu Apr 28, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: Car Seat for vacation car rental
Replies: 14
Views: 465

Car Seat for vacation car rental

We're flying Frontier to Denver in early June and renting a car for 8 days from Dollar car rental. We have a 6.5 year old who is 46 inches and 43 pounds. We're trying to figure out what to do to have a car seat for him while we're there. Ideas are to take his current seat, which is a 5 point harness...
by runner9
Tue Apr 26, 2016 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Teacher's Retirement
Replies: 17
Views: 2156

Re: Teacher's Retirement

I see from a different thread that you're in IL. I'm not expert, but how guaranteed are teacher pensions in IL? From national news, I'd have my doubts and be very cautious (but I don't really know)

I also see that this thread is nearly three months old, has this already been decided?
by runner9
Sat Apr 23, 2016 9:14 am
Forum: Personal Consumer Issues
Topic: Pop up ads driving me nuts! Please help
Replies: 33
Views: 1972

Re: Pop up ads driving me nuts! Please help

Good thread! My only comment is that sometimes those adblock programs will block a legitimate popup from a site I'm trying to use, like for a financial institution. There is a feature in Adblock (click on the Adblock gizmo) that will let you disable it on a page or a site. Refresh after doing that,...
by runner9
Fri Apr 22, 2016 1:41 pm
Forum: Personal Consumer Issues
Topic: Pop up ads driving me nuts! Please help
Replies: 33
Views: 1972

Re: Pop up ads driving me nuts! Please help

Another firefox with adblock plus user, free and works great:)
by runner9
Tue Apr 19, 2016 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice planning on taking away FA @ Ameriprise
Replies: 64
Views: 4070

Re: Leaving Ameriprise- Update

viewtopic.php?f=1&t=186495&p=2875555#p2875555

The update would probably go better in the original thread.
by runner9
Tue Apr 19, 2016 12:16 pm
Forum: Personal Consumer Issues
Topic: Monthly Historical Temperature Data (for Cleveland)
Replies: 2
Views: 268

Monthly Historical Temperature Data (for Cleveland)

I chart our energy usage and chart average monthly temperature as well, as this really effects energy usage. I had been using this site, http://www.usclimatedata.com/climate/cleveland/ohio/united-states/usoh1176/2016/3 but they don't seem to be keeping it going in 2016. The newspaper keeps a databas...
by runner9
Tue Apr 19, 2016 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Consumer Cellular- a tale
Replies: 14
Views: 1856

Re: Consumer Cellular- a tale

When we ported our home phone from ATT to voip.ms it was a nightmare. I ended up complaining to the government. That might have helped, I'm not sure but it took several weeks of back and forth. I believe ATT was the issue but am not 100% sure.
by runner9
Thu Apr 14, 2016 1:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 341
Views: 165086

Re: Suggestions for the Wiki

A week later, anyone?
by runner9
Tue Apr 12, 2016 7:14 am
Forum: Personal Consumer Issues
Topic: How best to heat a Slab floor in Raised Ranch
Replies: 15
Views: 1162

Re: How best to heat a Slab floor in Raised Ranch

http://buildingscience.com/documents/digests/bsd-103-understanding-basements For floor, I would probably lay XPS on top of slab, ply wood, then your choice or carpet, tile (with in floor heat), or wood/laminate. There are 2 issues that both need addressed: insulating and heating. Lots of advice for...
by runner9
Fri Apr 08, 2016 7:49 am
Forum: Personal Consumer Issues
Topic: attic blow cellulose vs blow fiberglass
Replies: 11
Views: 951

Re: attic blow cellulose vs blow fiberglass

Air seal first!

Then use cellulose, heavier and better R value
by runner9
Thu Apr 07, 2016 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Price matching to Amazon
Replies: 24
Views: 2065

Re: Price matching to Amazon

Home Depot will also match, but I did have to call their 800 number, have then call the store, etc to get them to honor it. (haven't tried since)
by runner9
Thu Apr 07, 2016 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payment same day as closing?
Replies: 8
Views: 648

Re: Mortgage payment same day as closing?

Call the bank and ask them, mostly likely don't make the payment.
by runner9
Sun Apr 03, 2016 7:58 am
Forum: Forum Issues and Administration
Topic: [Help with private messaging - PM stuck in Outbox]
Replies: 6
Views: 380

Re: A bit OT - Help with private messaging

Outbox means it hasn't been read yet. When Alex reads it, then it will move to sent.
by runner9
Tue Mar 29, 2016 7:59 am
Forum: Personal Consumer Issues
Topic: Stopping front door draft
Replies: 4
Views: 334

Re: Stopping front door draft

Is there a door sweep or other product on there that's worn out or none at all? If none at all buy a door sweep that screws on the inside of the door near the bottom. If there is something that's just worn off or not big enough I'd suggest taking the door off, removing what's there and taking it to ...
by runner9
Mon Mar 28, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: Under kitchen cabinet LED lighting
Replies: 29
Views: 3214

Re: Under kitchen cabinet LED lighting

the quote to home depot links, just above, should be ddurrett896 quoted, not me, the OP, runner9. Personally, my wife and I prefer daytime light bulbs to the traditional, more yellow hue. We've been replacing bulbs with 6000 kelvin bulbs for the last 4-5 years in our house. One day they'll all be da...
by runner9
Sun Mar 27, 2016 6:48 am
Forum: Personal Consumer Issues
Topic: Under kitchen cabinet LED lighting
Replies: 29
Views: 3214

Re: Under kitchen counter LED lighting

We remodeled our kitchen 3 years ago and put in under cabinet lighting, best thing ever. I use it everyday. We are moving to a new house with a nice kitchen but no under cabinet lighting. I'm really sad about that. There is no way to install without tearing out the tiled backsplashes. OP here, I fo...
by runner9
Sat Mar 26, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: Under kitchen cabinet LED lighting
Replies: 29
Views: 3214

Re: Under kitchen counter LED lighting

OP here, thanks. So my first question has been answering, folks with them like them. Second is still open, how exactly to set them up. Specifically, I've been looking at strip lighting, possibly this one: http://www.amazon.com/LEDMO-SMD5630-Daylight-Non-waterproof-brightness/dp/B01339FVZS?ie=UTF8&am...
by runner9
Sat Mar 26, 2016 4:57 pm
Forum: Personal Consumer Issues
Topic: Under kitchen cabinet LED lighting
Replies: 29
Views: 3214

Under kitchen cabinet LED lighting

I'm soon going to removing a chimney and putting in one lower cabinet/counter/upper cabinet. This means I'll be putting new drywall up in this area and that has me thinking about under cabinet led strip/tape lighting as an option. I could put a switch in next to the switch for the overhead light, th...
by runner9
Tue Mar 22, 2016 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Passwords
Replies: 14
Views: 1492

Re: Vanguard Passwords

It allows you to log into YOUR account and see both your wife and your accounts.

https://personal.vanguard.com/us/litful ... bCat2=GRET
by runner9
Mon Mar 21, 2016 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Any experience w/ Ally CHECKING account?
Replies: 40
Views: 2167

Re: Any experience w/ Ally CHECKING account?

When we were switching between our old brick and mortar bank and Ally I found it faster to write a check from the old account to myself, endorse and then deposit it via the phone app then to do a direct transfer online. Checks deposited on the app before 7pm Eastern are available the next day (First...
by runner9
Mon Mar 21, 2016 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Any experience w/ Ally CHECKING account?
Replies: 40
Views: 2167

Re: Any experience w/ Ally CHECKING account?

We have checking and savings only with Ally. Very happy, only negatives so far for us:

-can't deposit cash (can get a money order and mail it in)
-won't cash paper savings bond (local bank did even though we weren't their customer)
by runner9
Sun Mar 20, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: Podcasts for family road trip
Replies: 12
Views: 1282

Re: Podcasts for family road trip

This American Life- episodes normally consist of 3 stories related to a certain theme. I think most people enjoy the broad range of stories this American life has however I cannot be certain with that age range. While I really like This American Life (it's one of my favorite podcasts) I think it wo...
by runner9
Fri Mar 18, 2016 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Suburbs with high ownership
Replies: 29
Views: 2660

Re: Suburbs with high ownership

How on earth would mortgage payoff information be public record? Some of you are being silly. On my county Recorder's website I can search for any name. It will then list any filing with that name, such as deed changes, mortgage (including original amount) and mortgage releases. For myself, there's...
by runner9
Fri Mar 18, 2016 5:29 am
Forum: Personal Finance (Not Investing)
Topic: Suburbs with high ownership
Replies: 29
Views: 2660

Re: Suburbs with high ownership

If I does mean mortgage is paid off, I would guess the higher the percentage the higher the percentage of older, long time residents. If I had to guess who has no mortgage on my street I'd guess the widows who have lived in their homes 40+ years.
by runner9
Tue Mar 15, 2016 5:41 pm
Forum: Personal Consumer Issues
Topic: Should I have my kids participate in school fundraisers?
Replies: 78
Views: 5084

Re: Should I have my kids participate in school fundraisers?

Our 1 child is in kindergarden. I don't see peer pressure, at least not yet. Yes, there may be class goals but it's not known what/if each child participated. We pick and choose and only give ourselves to those we pick, no door to door or anything. So, they collect box tops and we have some family c...
by runner9
Mon Mar 14, 2016 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Ohio 529
Replies: 5
Views: 641

Re: Ohio 529

by runner9
Mon Mar 14, 2016 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Determining withdraw strategy (RMDs soon)
Replies: 20
Views: 1374

Re: Determining withdraw strategy (RMDs soon)

Thanks all. I totally understand that RMDs come from and deal with traditional only, that a set amount based on the prior year end balance must be deducted, etc. The current plan there is to have Vanguard withhold part for federal taxes. The question for this year, where no RMD is required, is what ...
by runner9
Mon Mar 14, 2016 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Determining withdraw strategy (RMDs soon)
Replies: 20
Views: 1374

Re: Determining withdraw strategy (RMDs soon)

Thanks for the response. Anyone else? Even the specific situation aside, how does one decide where to deduct from? Guessing trying to match an asset allocation?
by runner9
Sun Mar 13, 2016 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Determining withdraw strategy (RMDs soon)
Replies: 20
Views: 1374

Determining withdraw strategy (RMDs soon)

My mother was widowed not quite 2 years ago. Since then we've combined everything into her name, it was all already at Vanguard. We've made no changes and I don't think she's open to major change, such as switching to a 3 fund portfolio, etc. My dad was a slice and dice, Paul Merriman fan, but I've ...
by runner9
Tue Mar 08, 2016 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: 2015 Tax Return
Replies: 13
Views: 1221

Re: 2015 Tax Return

Here are the details:

http://www.aarp.org/money/taxes/aarp_taxaide/

My late father volunteered for several years and enjoyed it, both the training and the preparing. My mother acts as a greeter at a site.
by runner9
Sun Mar 06, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: home weatherization--worth it?
Replies: 28
Views: 2617

Re: home weatherization--worth it?

Here are some links and good sites: http://www.greenbuildingadvisor.com/blogs/dept/musings/air-sealing-attic http://www.greenbuildingadvisor.com/how-air-seal-attic-introduction I personally really like the Q&A section of greenbuildingadvisor, Martin and usually others always respond. Martin writ...
by runner9
Sat Mar 05, 2016 9:14 am
Forum: Personal Consumer Issues
Topic: home weatherization--worth it?
Replies: 28
Views: 2617

Re: home weatherization--worth it?

I think doing the improvements is worth it. I think those estimates are much higher than DIYing it would be. Not sure if you're inclined, but I've done most for cheaper. For instance, Home Depot has bags of cellulose for $7.25 each, $5.80 if you buy 100 or more. Attic sizes are different of course, ...
by runner9
Sat Mar 05, 2016 9:08 am
Forum: Personal Finance (Not Investing)
Topic: File return with H&R Block
Replies: 7
Views: 774

Re: File return with H&R Block

The download is for some reason currently unavailable on amazon but the actual shipped copy is on sale for $19.99 as a deal of the day:

http://www.amazon.com/Block-Deluxe-Stat ... 01637RMYU/
by runner9
Sat Mar 05, 2016 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Cash I bonds for college fees?
Replies: 3
Views: 428

Re: Cash I bonds for college fees?

I think we need a LOT more information. If you have $3 in savings then yes, cash is good. If you're in debt, little retirement,etc cash is bad.
by runner9
Sat Mar 05, 2016 6:22 am
Forum: Personal Consumer Issues
Topic: Blow drying hair in the summer
Replies: 27
Views: 1760

Re: Blow drying hair in the summer

Wife is open to ideas. It's a bungalow, with knee walls, built in 1956. I've done lots of research and lots of air sealing, insulating, duct mastic sealing, etc. We do have a window unit in our bedroom, which is where she dries her hair. Thanks for all the ideas. Nothing jumps out as the perfect sol...
by runner9
Fri Mar 04, 2016 7:58 am
Forum: Personal Consumer Issues
Topic: Blow drying hair in the summer
Replies: 27
Views: 1760

Blow drying hair in the summer

We struggle to cool the second story of our house, I've done all I can to air seal, insulate, ventilate, etc. I'm wondering if there are other options for my wife blow drying her hair in the summer. She has long hair, and after 5-6 minutes of running a blow dryer with hot air coming out I feel like ...
by runner9
Thu Mar 03, 2016 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: File return with H&R Block
Replies: 7
Views: 774

Re: File return with H&R Block

Looks like on Amazon the download is $29.95: http://www.amazon.com/Block-Deluxe-State-Software-Refund/dp/B01637RMYU/ and that includes: Five free federal e-files included(3); Plus 1 state program download (5). State e-file One State program download included, a $39.95 value; (State e-file available ...
by runner9
Tue Mar 01, 2016 7:18 pm
Forum: Personal Consumer Issues
Topic: Aldi now accepts credit cards!!!
Replies: 65
Views: 6921

Re: Aldi now accepts credit cards!!!

I was just there today at my local store, they take Visa, Discover, AMEX and MasterCard. No chip reader though
by runner9
Sun Feb 28, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: CCTV / Home Security Options (Neighbor got burglarized)
Replies: 28
Views: 2154

Re: CCTV / Home Security Options (Neighbor got burglarized)

Just an FYI, breaking and entering differs from burglary. A burglary happens at night (or after a specific hour in the evening, depending on your jurisdiction.). Both are forcible felonies. I'm not an expert but believe (and a quick google search agrees) that breaking and entering is entering witho...
by runner9
Sun Feb 28, 2016 3:56 pm
Forum: Forum Issues and Administration
Topic: [Software Upgraded today (Sunday) - Success!]
Replies: 26
Views: 1449

Re: SOFTWARE UPGRADE today (Sunday) 4 PM Eastern - 21:00 UTC

Sounds good. Hope it goes smoothly!
by runner9
Mon Feb 22, 2016 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Best 457 plan administrator (I'm looking for one to offer to employees)
Replies: 11
Views: 934

Re: Best 457 plan administrator (I'm looking for one to offer to employees)

I'm also in Ohio, my wife as an Ohio457 account. It's a great plan, we really like it. Money is deposited the same payday, which is also nice.
by runner9
Mon Feb 22, 2016 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Best 457 plan administrator (I'm looking for one to offer to employees)
Replies: 11
Views: 934

Re: Best 457 plan administrator (I'm looking for one to offer to employees)

Agreed, it really matters what state you're in. Please clue us in.
by runner9
Mon Feb 22, 2016 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: way to avoid RMD?
Replies: 21
Views: 1552

Re: way to avoid RMD?

Donate RMD to charity.

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