Search found 1726 matches

by runner9
Fri Jul 22, 2016 10:41 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 260
Views: 30339

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: 6624

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: 260
Views: 30339

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: 260
Views: 30339

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: 260
Views: 30339

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: 1282

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: 260
Views: 30339

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: 260
Views: 30339

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: 794

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: 740

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: 4370

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: 260
Views: 30339

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: 3497

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: 793

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: 3497

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: 3497

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: 260
Views: 30339

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, ...
by runner9
Wed Jun 29, 2016 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Just bought into a Target Retirement Fund 2060. Now what?
Replies: 22
Views: 1987

Re: Just bought into a Target Retirement Fund 2060. Now what?

Some feel that for the most success in investing you must spend the most time researching, tinkering, etc. This simply isn't true. Just keep investing in the 2060 fund and spend your time in other pursuits!
by runner9
Mon Jun 27, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Reducing Electric Bill- Point of Diminishing Returns?
Replies: 34
Views: 3497

Re: Reducing Electric Bill- Point of Diminishing Returns?

You could DIY much of that list for far less.

Attic and basement are biggest gain.

See: http://www.energyvanguard.com/blog-buil ... he-windows
by runner9
Mon Jun 27, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Recommend Ad Blockers
Replies: 21
Views: 789

Re: Recommend Ad Blockers

https://adblockplus.org/en/internet-explorer

Adblock plus is available for Explorer and several other browsers, just look under the "install now for ...." button to select a different version.
by runner9
Sun Jun 26, 2016 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Switching $1.5 mil traditional and taxable to 3 fund portfolio
Replies: 11
Views: 2017

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

Thank you all for your help and insight! I've spent a good bit of time looking over the Vanguard pages for all the suggestions and am writing up a proposal for my mom to consider to switch to the following: Traditional IRA: Vanguard LifeStrategy Moderate Growth Fund (VSMGX) and/or Vanguard LifeStrat...
by runner9
Thu Jun 23, 2016 7:35 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 260
Views: 30339

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

Still waiting....hopefully soon!
by runner9
Wed Jun 22, 2016 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Switching $1.5 mil traditional and taxable to 3 fund portfolio
Replies: 11
Views: 2017

Switching $1.5 mil traditional and taxable to 3 fund portfolio

My mother was widowed a little over 2 years ago. She will turn 70 ½ in 2017 and begin RMDs. She is now open to considering trading some funds to get down to a three fund portfolio, and I’m looking for advice on what that portfolio might look like. All of this is at Vanguard. (A thread in March was a...
by runner9
Sun Jun 19, 2016 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Taxable, determining capital gains
Replies: 7
Views: 411

Re: Vanguard Taxable, determining capital gains

Thanks all. I will write down or print the gains/losses tomorrow and then update my original post!
by runner9
Sun Jun 19, 2016 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Taxable, determining capital gains
Replies: 7
Views: 411

Vanguard Taxable, determining capital gains

I'm helping my mother with her portfolio, which is mostly in a taxable account. She's now open to possibly switching to a 3 fund portfolio, instead of the current 11 or so funds. I'm going to visit tomorrow and can log onto her account with her. What specifically do I look for/go to so that when I c...
by runner9
Tue Jun 14, 2016 7:05 pm
Forum: Forum Issues and Administration
Topic: Why isn't there a bogleheads app
Replies: 51
Views: 4956

Re: Why isn't there a bogleheads app

Instead, how about something that looks like an app? Just add a bookmark to your home screen. See: How to Add Websites to the Home Screen on Any Smartphone or Tablet The bookmark with have the "Compass" logo that you see on the home page (and browser tabs). Out of the whole thread, this i...
by runner9
Thu Jun 09, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: Denver Vacation (with 6 year old)
Replies: 40
Views: 2878

Re: Denver Vacation (with 6 year old)

OP here, wanted to say thanks to all for the suggestions. We had a list of all of them and based basically the whole trip off that list. There were far more good suggestions than we could fit in! If interested, we did the following: Denver (Thursday and Friday): Museum of Nature and Science Forney M...
by runner9
Tue Jun 07, 2016 9:46 pm
Forum: Personal Consumer Issues
Topic: Nuts & Bolts - hardware question
Replies: 40
Views: 2548

Re: Nuts & Bolts - hardware question

Is it possibly to find a manual for the treadmill online? it might have an exploded view with details on each part. Or tell us, what model treadmill is it?
by runner9
Fri Jun 03, 2016 9:09 pm
Forum: Personal Consumer Issues
Topic: Is Cricket Wireless down for lots of people?
Replies: 21
Views: 1834

Re: Is Cricket Wireless down for lots of people?

OP here, wife's phone has been good for most of last 2 hours, mine hasn't worked at all. For us, as long as it's fixed by morning it's not a big problem, after that we'll have to make do.
by runner9
Fri Jun 03, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Is Cricket Wireless down for lots of people?
Replies: 21
Views: 1834

Re: Is Cricket Wireless down for lots of people?

Thanks, just turned off and back on: still down in Denver.
by runner9
Fri Jun 03, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: Is Cricket Wireless down for lots of people?
Replies: 21
Views: 1834

Is Cricket Wireless down for lots of people?

We are on vacation and both have Cricket Wireless. After being in a someone remote area we weren't surprised we had no service. But now we're back in our hotel, where we've had no problems with service, and I still can't get either phone to work. A quick internet search seems to say that there are m...
by runner9
Mon May 30, 2016 5:29 pm
Forum: Personal Consumer Issues
Topic: Denver Vacation (with 6 year old)
Replies: 40
Views: 2878

Re: Denver Vacation (with 6 year old)

OP here, thanks all for all the advice. We leave Wednesday and are looking forward to it. I'm trying to plan out our day out west of Denver. Right now we're thinking of making this the day between Denver and Colorado Springs (Sat. June 4) or the day between Colorado Spring and Denver (Tues, June 7) ...
by runner9
Sat May 28, 2016 2:35 pm
Forum: Personal Consumer Issues
Topic: Taking classes at a community college - Question about placement tests
Replies: 33
Views: 1883

Re: Taking non-credit classes at a community college - Question about placement tests

My guess it that the answer varies by community college and/or by state regulations. Have you asked the college specifically about your situation?
by runner9
Fri May 27, 2016 9:55 pm
Forum: Personal Consumer Issues
Topic: Car Seat for vacation car rental
Replies: 24
Views: 1282

Re: Car Seat for vacation car rental

OP here: I ordered this one, linked a few posts back. It will be here Sunday, we fly Wednesday. Thanks!

http://www.amazon.com/Jeep-Universal-Sh ... B001CWVYMI
by runner9
Thu May 26, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Car Seat for vacation car rental
Replies: 24
Views: 1282

Re: Car Seat for vacation car rental

OP here: we're going to check his car seat for free, I want to put it in a bag. Based on prior posts I've had this one in mind, but it says not suitable for checked luggage. http://www.amazon.com/Childress-Gate-Check-Bag-Seats/dp/B000RRD7UG? Recommendations on if it will work anyway or what to get i...
by runner9
Fri May 20, 2016 12:16 pm
Forum: Forum Issues and Administration
Topic: Why isn't there a bogleheads app
Replies: 51
Views: 4956

Re: Mobile App Bogleheads

by runner9
Sun May 15, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: Gifted math program for 1st grade
Replies: 66
Views: 6811

Re: Gifted math program for 1st grade

OP here, thanks for all the opinions and thoughts. Again, the program our district uses is clustering in the regular classrooms. It's not a choice, all students are clustered. It's also not something that should be obvious to outside observers. As such, we have no plans to tell our soon-to-be 1st gr...
by runner9
Sat May 14, 2016 3:49 pm
Forum: Investing - Theory, News & General
Topic: Timing for buying mutual funds?
Replies: 7
Views: 833

Re: Timing for buying mutual funds?

Cut off is 4pm when the market closes, so by anytime between 4:01pm on Friday and 3:59pm on Monday and you get Monday's close.

Buy and hold; don't worry about what happens from day to day, or split it up and buy half or a third each day for a few to even out any quick market swings.
by runner9
Wed May 11, 2016 5:59 am
Forum: Personal Consumer Issues
Topic: Gifted math program for 1st grade
Replies: 66
Views: 6811

Re: Gifted math program for 1st grade

OP here, thanks for all the "food for thought" District uses a "schoolwide cluster grouping model" which is clustering all students across the regular classrooms. "A group of gifted identified students is clustered into a mixed ability classroom with a teacher who is trained...
by runner9
Mon May 09, 2016 8:56 pm
Forum: Personal Consumer Issues
Topic: Gifted math program for 1st grade
Replies: 66
Views: 6811

Gifted math program for 1st grade

My son scored high on the standardized tests in math this year that we've been invited to have him in the gifted program for math next year, when he's in first grade. The parent meeting is tomorrow night, I'll be attending. I believe it's a pull out program, for sure at the same school. What questio...
by runner9
Wed May 04, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: Considering buying my own modem
Replies: 43
Views: 3039

Re: Considering buying my own modem

Did this nearly 2 years ago, found a modem on ebay. Time Warner tech support talked me though setup, no issues at all.
by runner9
Wed May 04, 2016 5:16 pm
Forum: Personal Consumer Issues
Topic: Fingernail Polish on my carpet, call leasing office?
Replies: 11
Views: 1391

Re: Fingernail Polish on my carpet, call leasing office?

What color is the carpet? Not suggesting this since you rent, but if in my house I'd see if I could cover it with more polish or paint that's the color of the carpet.
by runner9
Tue May 03, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 156
Views: 22605

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: 24
Views: 3619

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: 6096

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: 24
Views: 1282

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: 24
Views: 1282

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: 2403

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?

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