Search found 1931 matches

by runner9
Wed Jun 21, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 44
Views: 4753

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

Thanks for posting this. I had debated creating a CD with money from savings when it was 1.30% but decided no/didn't decide. The raise to 1.50% made it an easy decision and I got my wife on board as I could see no downside unless we suddenly needed that money in the next 6 days, which we won't.
by runner9
Wed Jun 07, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Docs to take to SS Office for Medicare signup
Replies: 4
Views: 404

Docs to take to SS Office for Medicare signup

My MIL turns 65 in August. She's decided to sign up for Medicare at the local social security office. What paperwork does she need to take with her? Currently planning to take drivers license and social security card. The medicare site says that you can apply at a social security office but doesn't ...
by runner9
Sun Jun 04, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Simple & Free Floor Plan Software
Replies: 4
Views: 335

Simple & Free Floor Plan Software

I'd like to make a rough floor plan of our house, so I can get a quick overview of doors, windows, outlets, etc. This is just for me, doesn't have to be super accurate but close. A quick google search shows several but I have no idea if any are good and/or easy to learn. I tried making it in Excel w...
by runner9
Fri Jun 02, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Fidelity 2000 'bonus points'
Replies: 32
Views: 2138

Re: Fidelity 2000 'bonus points'

LSLover wrote:I feel very special... My offer is 2,000 points for only $350 in charges between June 1 and July 31.


Just curious, is $350 average or above of what you normally spend on the card or not?
by runner9
Fri Jun 02, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Fidelity 2000 'bonus points'
Replies: 32
Views: 2138

Re: Fidelity 2000 'bonus points'

We got an e-mail March 1 to spend $3,400 between March 1 and April 30. I don't think we did but honestly didn't keep close watch. Just got another e-mail and a mailing yesterday to spend $6,100 between June 1 and July 30 for the same offer. Key for us is offer is just for over that amount, so gettin...
by runner9
Mon May 29, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 57
Views: 7231

Re: How exactly does Vanguard's RMD service work? Rebalancing?

Thanks all. So, if my mom is competent and understands everything and is going to call Vanguard each year and ask them to send a check directly for X amount to the charity, then withhold X amount of what is left for taxes and deposit the remaining part of the RMD into her bank account or taxable acc...
by runner9
Sun May 28, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 57
Views: 7231

Re: How exactly does Vanguard's RMD service work? Rebalancing?

I know this is a few years old but I am guessing the information I've read in the thread is still correct. My mom is taking RMD for the first time this year. She recently got the letter about enrolling in this service. She's very on top of understanding how much she must take out. She wants to make ...
by runner9
Sat May 27, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: One time chance to reselect Defined Benefits or Defined Contribution
Replies: 35
Views: 2830

Re: One time chance to reselect Defined Benefits or Defined Contribution

Thank you all so much for your time, information and suggestions. After a lot of thinking, I finally decided to switch to DB. The reasons being that it has a pretty nice disability benefits built in that I'm already qualified for, survivor benefits and a fixed income I can expect once I retire. My ...
by runner9
Sat May 27, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: One time chance to reselect Defined Benefits or Defined Contribution
Replies: 35
Views: 2830

Re: One time chance to reselect Defined Benefits or Defined Contribution

Since I have and will continue to max out my Roth and start 457, I feel it is more diversified to not put all my savings under the market's mercy. My other savings can help provide a nice cushion when I retire. My biggest fear is that I don't trust whoever is running the pension, so for that I'm ho...
by runner9
Sat May 27, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: am I the victim of ID theft?
Replies: 15
Views: 1982

Re: am I the victim of ID theft?

https://www.thrifty.com/customercare/co ... ience.aspx

You could try the "urgent requests" phone number and see if they are open.
by runner9
Thu May 25, 2017 7:17 am
Forum: Investing - Help with Personal Investments
Topic: What to do with divorce settlement
Replies: 23
Views: 3157

Re: What to do with divorce settlement

A 457 typically has lower fees than a 403b but also advertises less as a result. A quick google search brings up "Massachusetts Deferred Compensation SMART Plan." If available I'd look at this before any 403b. Here's a comparison of MA offering from the Boston Teachers Union: https://btu.o...
by runner9
Wed May 24, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: Rewiring a knob and tube house
Replies: 15
Views: 1727

Re: Rewiring a knob and tube house

K&T is not a fire hazard if its in good condition and has not been hacked/modified or had insulation blown in around it. From a fire safety standpoint the wires themselves are actually safer than modern wiring because the ceramic insulates prevent any direct contact with house framing materials...
by runner9
Wed May 24, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Rewiring a knob and tube house
Replies: 15
Views: 1727

Rewiring a knob and tube house

Our house was originally built in the early 50s and has knob and tube wiring. An addition in the early 90s added a good bit of space which is of course wired for romex, but the original house wasn't touched. At the home inspection 10 years ago there was still a fuse box next to the breaker box. That...
by runner9
Mon May 22, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: One time chance to reselect Defined Benefits or Defined Contribution
Replies: 35
Views: 2830

Re: One time chance to reselect Defined Benefits or Defined Contribution

Totally agree with the above post. Part of why 90% are in DB is that it was the only option until roughly the year 2000.
by runner9
Sun May 21, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Offline Puzzle or Brain Teaser/Training Apps
Replies: 3
Views: 363

Re: Offline Puzzle or Brain Teaser/Training Apps

My wife plays 7 Letter Words, Red Rerring, and Monkey Wrench in pad. Not sure if they're on android, guess yes. All free and English word/play related.
by runner9
Sun May 21, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: One time chance to reselect Defined Benefits or Defined Contribution
Replies: 35
Views: 2830

Re: One time chance to reselect Defined Benefits or Defined Contribution

As a participant in Ohio STRS I read the OP's initial post and would have bet money she was talking about Ohio STRS. With 25 years, with access to health insurance-expensive but there- and guaranteed amounts I'd stick with defined benefit. Of course, they just got rid of COLA increases for retirees ...
by runner9
Thu May 18, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Paying balance of costly ambulance ride
Replies: 18
Views: 1138

Re: Paying balance of costly ambulance ride

This was our experience with American Medical Response ambulance. I think I fully documented it on the thread. I would appeal to insurance, then appeal again. Consider BBB if there are other complaints on there with good outcomes from filing a complaint. https://www.bogleheads.org/forum/viewtopic.ph...
by runner9
Sun May 14, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Few days in Portland in July
Replies: 36
Views: 2386

Re: Few days in Portland in July

Dottie57 wrote:Portland Oregon or Maine?


Google shows Marriott Downtown Waterfront as being in Portland, Oregon.
by runner9
Thu May 11, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Amazon shipment "stuck" at UPS distribution
Replies: 22
Views: 2310

Re: Amazon shipment "stuck" at UPS distribution

I e-mailed Jeff Bozos account and someone replied that they would credit the cost of the second/replacement item. It arrives Tuesday, ahead of schedule. So, in the end 2 items were sent, one arrived. Neither cost us anything plus we got a $5 amazon credit for the first day the first item was late. C...
by runner9
Tue May 09, 2017 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Question about re-gifting a gift for tax purposes
Replies: 13
Views: 691

Re: Question about re-gifting a gift for tax purposes

Giving over 14k a person in a year is only is a factor in estate tax upon your death, there are no taxes due now. Current exclusion is north of $5 million, anything given over 14k in a year decreases this amount. Can you just wait to next year to gift the rest? If not I would just gift it now direct...
by runner9
Mon May 08, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: College Reunion Vacation
Replies: 13
Views: 796

Re: College Reunion Vacation

bluebolt wrote:What kind of vacation are you looking for? Partying, going out? Or, quiet hanging out? Spouses or kids coming on the trip or not?

+1 agreed, this info is very important.
by runner9
Fri May 05, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Amazon shipment "stuck" at UPS distribution
Replies: 22
Views: 2310

Re: Amazon shipment "stuck" at UPS distribution

UPS status was updated after 3 way call last night to "We're attempting to verify the package location./Lost package investigation"
by runner9
Thu May 04, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Amazon shipment "stuck" at UPS distribution
Replies: 22
Views: 2310

Re: Amazon shipment "stuck" at UPS distribution

Item was 15.99. I found it locally for 25; not worth the extra money to me. It has free return on Amazon so I ordered another just now. Might order a few and return if not needed or if they ever find the first one.
by runner9
Thu May 04, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Amazon shipment "stuck" at UPS distribution
Replies: 22
Views: 2310

Re: Amazon shipment "stuck" at UPS distribution

Ended up with a 3 way call and had to push UPS to look past the "delivery date today" line to use some logic. They agreed most likely lost and will investigate for up to EIGHT business days. In a prior chat when Amazon was insistent it would be delivered I opted for refund over replacement...
by runner9
Thu May 04, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Amazon shipment "stuck" at UPS distribution
Replies: 22
Views: 2310

Re: Amazon shipment "stuck" at UPS distribution

OP here, mentioned accent as I had trouble understanding and am guessing my "logic" might not make sense in the person's home country.

I just called back UPS and they agreed most likely lost. Now chatting with Amazon to have a record and they are checking...
by runner9
Thu May 04, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Amazon shipment "stuck" at UPS distribution
Replies: 22
Views: 2310

Amazon shipment "stuck" at UPS distribution

Ordered an item on amazon, took 2 extra days for processing. Sent 2 day air to arrive Wednesday (yesterday). Really need the item. Yesterday at 6:30am it arrives at the location the trucks leave to service our area. I assumed it would be put on a truck yesterday. nope. Assumed it would be put on a t...
by runner9
Thu May 04, 2017 7:04 am
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 3644

Re: Vexing electrical problem in the house

I vote for new breaker panel of a different brand, even if you have to pay for it yourself. With the issues that brand's had and the fact the problem is probably in that box a new box should solve it and give you piece of mind. Make sure the guy who comes is an actual certified/licensed electrian, o...
by runner9
Tue May 02, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: Ameriprise Investment Suggestions
Replies: 10
Views: 843

Re: Ameriprise Investment Suggestions

CyclingDuo wrote:
Run, don't walk, away from Ameriprise.

Look at Vanguard, Fidelity, and Charles Schwab.


+1 Couldn't agree more.
by runner9
Mon May 01, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Need a water heater recommendation
Replies: 14
Views: 1601

Re: Need a water heater recommendation

Replaced an OH Smith after 21 years just because we thought it was time with another OH Smith a year ago.
by runner9
Tue Apr 25, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Appealing a bill
Replies: 18
Views: 1389

Re: Appealing a bill

I would call the insurance company and ask what codes were processed for the visit. Describe to them what happened and see if they believe the codes match (length of visit, etc.)
by runner9
Tue Apr 25, 2017 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 72
Views: 9312

Re: Ally Bank - Savings Account Rate Increased!

Honestly, when I opened the online account in '08 yield was 1.0% and I assumed it would last a few months and they would drop it. However, they never did. Not true. The rate was 0.84 for much of 2012 and half of 2013. https://www.depositaccounts.com/banks/ally-bank.html#savings (Click the yellow de...
by runner9
Sat Apr 22, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Strange cable wall jack in home. What is it? (pics included)
Replies: 18
Views: 3575

Re: Strange cable wall jack in home. What is it? (pics included)

How can you be sure there's no current/it's not active and NEVER will be going forward??
by runner9
Sat Apr 22, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 7415

Re: Removing a tree - expensive!!!

Get 2 more quotes. What's the harm in that, will only cost you a little time.

Why would a stump grind be $650? Maybe it's a different part of the country but a typical stump here in NE Ohio is under $100 for sure.
by runner9
Sat Apr 22, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 72
Views: 9312

Re: Ally Bank - Savings Account Rate Increased!

I see APY 1.05% and Interest Rate 1.04% when I look at my saving account's account details.
by runner9
Fri Apr 21, 2017 7:04 am
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 2739

Re: Building your own fence

A few years ago I helped a neighbor do 9 holes with a 2 person auger in clay. It was horrible, back hurt for days. I'd rent a bigger machine you don't have to actually hold if doing again.
by runner9
Thu Apr 20, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help - 3 fund @ Fidelity
Replies: 8
Views: 586

Re: Help - 3 fund @ Fidelity

So you have a 401k at Fidelity with no access to Fidelity funds?
by runner9
Tue Apr 18, 2017 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Taxes- okay to just drop in the mail today??
Replies: 29
Views: 3262

Re: Taxes- okay to just drop in the mail today??

I'd walk into the post office and watch them stamp the postmark, for my piece of mind.
by runner9
Mon Apr 17, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Determine Cost Basis (when 1 JT TEN dies)
Replies: 5
Views: 532

Re: Determine Cost Basis (when 1 JT TEN dies)

Thanks. I called a few times today and finally got through this afternoon. The lady said I/we could leave that blank, or put a percentage such as 50% or 100%. I put 100%

Still will need cost basis for 2017 taxes. $5.89 a share for X shares, but have no idea how many shares they owned in 2009.
by runner9
Mon Apr 17, 2017 5:38 am
Forum: Personal Finance (Not Investing)
Topic: Determine Cost Basis (when 1 JT TEN dies)
Replies: 5
Views: 532

Re: Determine Cost Basis (when 1 JT TEN dies)

After reading this I think I need to contact the company that manages the stock, or have my MIL do that. Getting a statement from 2009 would be far easier I believe.

http://www.investopedia.com/ask/answers ... tbasis.asp
by runner9
Sun Apr 16, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Determine Cost Basis (when 1 JT TEN dies)
Replies: 5
Views: 532

Determine Cost Basis (when 1 JT TEN dies)

My FIL died on 3/6/2009. My MIL is finally transferring Comcast stock into her name. On the form it asks for Cost Basis. One option is "Inheritance" It then wants date of death_______ and Fair Market Value Per Share_______ and then "For shares jointly held: Enter the number of shares ...
by runner9
Sun Apr 16, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Home remodel / addition plans
Replies: 17
Views: 1905

Re: Home remodel / addition plans

Can't agree enough about putting wood blocking behind where stuff will need to be attached when finished. Struggling right now with a towel bar that's pulled out of the wall several times. Wish I could go back and put a 2x4 between the studs right there to attach too.
by runner9
Sat Apr 15, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to take RMD
Replies: 18
Views: 2379

Re: Best way to take RMD

You can save on your taxes by making a Qualified Charitable Distribution (QCD) as part of your RMD. This is a donation made directly from your IRA account to a qualified charity. If you take possession of the money, it cannot be used for a QCD. You must be at least 70.5 to make a QCD, so don't do i...
by runner9
Sun Apr 09, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: Online high school
Replies: 38
Views: 2510

Re: Online high school

More info please. For sure she needs to be self motivated, driven and a good reader.

Personally I think there should be really good reasons why a traditional HS wont/hasn't worked first.
by runner9
Sun Apr 09, 2017 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Few questions to those who switched to Ally Checking
Replies: 69
Views: 5882

Re: Few questions to those who switched to Ally Checking

We have no issues with Ally and have checking and savings there. There are stories of trying to verify identity to open an account, I've not heard of any issues once the account is open.

6 Withdraws per cycle for savings is a Federal Reserve Board rule for all US savings accounts. (Regulation D)
by runner9
Sat Apr 08, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Money software user & Chase Bank's discontinuance of its support
Replies: 9
Views: 700

Re: Money software user & Chase Bank's discontinuance of its support

Maybe I take the slow road, but I type all receipts into Microsoft Money by hand and always have.
by runner9
Sat Apr 01, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 4997

Re: Is Craigslist still the main site to sell stuff locally?

In some areas, there are big Facebook "Buy Sell Trade" groups that crop up, some are more active than others. If on Facebook you type in a location and "buy sell" you'll probably find one in most regions. Agreed. Around here it's for sure the way to go, IMO. I'd suggest starting...
by runner9
Thu Mar 30, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: (Updated Again- Happy Ending) Issue With Contractor. What to do?
Replies: 56
Views: 5819

Re: (Updated Again- Happy Ending) Issue With Contractor. What to do?

Any update? I see the original post updated with a planned meeting. Did that happen? Any resolution to the duct issue?
by runner9
Tue Mar 28, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Where can I buy Vanguard Funds w/o Fees ?
Replies: 37
Views: 3176

Re: Where can I buy Vanguard Funds w/o Fees ?

Opinions vary. You can find a webpage with negative reviews for any company. I'd start at Vanguard and see. Otherwise, try Fidelity with Fidelity Funds.
by runner9
Tue Mar 28, 2017 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (Success! at least mostly)
Replies: 47
Views: 4398

Re: Helping my MIL figure out her holdings (Success! at least mostly)

I found the $8,200 Legal Claimant Services was talking about! :happy :D :happy :D Yesterday I got the forms in the mail from Ohio Unclaimed Funds after I called last Friday. There were 3 small claims, each less than $10. One was "Comcast Corp" for "Dividends" I was very hopeful I...
by runner9
Sat Mar 25, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: How to explain MIL's high fees to her
Replies: 7
Views: 758

How to explain MIL's high fees to her

I'm hoping to explain to my MIL the high fees she's paying in her Traditional IRA at UBS. I've mentioned it to her but I think I need some more concrete numbers, etc. Her current IRA: Dec 2009 balance: 16.9K Dec 2016 balance: 18.1K These three funds: 1. UBS Bank USA Deposit Account APY (20% of total...

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