Search found 1967 matches

by runner3081
Sat Apr 20, 2019 8:37 pm
Forum: Personal Consumer Issues
Topic: USPS In transit Arriving Late
Replies: 16
Views: 914

Re: USPS In transit Arriving Late

I purchased an item on eBay mailed by First Class Package that had a "Guaranteed Delivery" date of yesterday that has not arrived yet. According to the USPS tracking, it states "In Transit-Arriving Late" and the last scan was at a regional original facility in a major city about 50 miles from the s...
by runner3081
Sat Apr 20, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: USPS In transit Arriving Late
Replies: 16
Views: 914

Re: USPS In transit Arriving Late

I purchased an item on eBay mailed by First Class Package that had a "Guaranteed Delivery" date of yesterday that has not arrived yet. According to the USPS tracking, it states "In Transit-Arriving Late" and the last scan was at a regional original facility in a major city about 50 miles from the s...
by runner3081
Sat Apr 20, 2019 8:09 am
Forum: Personal Consumer Issues
Topic: What's the lowdown on HVAC filters?
Replies: 21
Views: 1627

Re: What's the lowdown on HVAC filters?

Ykcor wrote:
Fri Apr 19, 2019 9:46 pm
runner3081 wrote:
Fri Apr 19, 2019 9:37 pm
The guy who installed our HVAC said to buy the cheapest filter and replace every month (we buy the ones that are $1-$2 each at Walmart.
My guy said only replace when they become dirty.
Oh, believe me, in AZ, they are coated with white dust every month :)
by runner3081
Sat Apr 20, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: Locast: An Approach to Cord Cutting?
Replies: 8
Views: 1858

Re: Locast: An Approach to Cord Cutting?

Appears to be $5 per month: "The FAQ also cites Locast’s ability to charge a fee “necessary to defray the actual and reasonable costs” of providing the service. Technically, Locast doesn’t charge a fee — it asks for contributions of at least $5 per month. You do have the choice of not paying that “c...
by runner3081
Fri Apr 19, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: What's the lowdown on HVAC filters?
Replies: 21
Views: 1627

Re: What's the lowdown on HVAC filters?

The guy who installed our HVAC said to buy the cheapest filter and replace every month (we buy the ones that are $1-$2 each at Walmart.
by runner3081
Fri Apr 19, 2019 7:38 pm
Forum: Personal Consumer Issues
Topic: Home window sun reflection issue
Replies: 1
Views: 283

Re: Home window sun reflection issue

Solar screens would work. Depending on darkness, they can skew the view a bit, however.
by runner3081
Fri Apr 19, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Feasibility
Replies: 22
Views: 1205

Re: Home Purchase Feasibility

We could always continue renting, but realize we'd need to get a bigger place eventually for our child. How big is the place you are renting now? Are you sure you need something bigger? Small kids don't need much room. It would be much better for your child to live in a small rental than have paren...
by runner3081
Fri Apr 19, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: Air Purifier for Bedroom?
Replies: 14
Views: 942

Re: Air Purifier for Bedroom?

We have had one of the larger Winix units in the past. They go on sale at times for around $100 at Costco.
by runner3081
Wed Apr 17, 2019 2:44 pm
Forum: Personal Investments
Topic: (Another) Should I invest in my non-govermental 457 (b) or something else?
Replies: 18
Views: 1029

Re: (Another) Should I invest in my non-govermental 457 (b) or something else?

Timely thread. Just received notice that I am eligible for my non-governmental 457B, starting in May. I have probably 12-15 years of full time employment left at this employer. Solid, longstanding company and I will max it out each year (already maxing ROTH, 403B, HSA and contributing to both post t...
by runner3081
Tue Apr 16, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Switch auto insurance?
Replies: 18
Views: 1696

Re: Switch auto insurance?

jeff622859 wrote:
Tue Apr 16, 2019 3:38 pm
I have heard nightmares that after your HO insurance pays out a claim they either significantly increase your premium the next year
Many will do this... even without a claim!
by runner3081
Mon Apr 15, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9729

Re: seriously thinking about leaving S. CA but where to?

sil2017 wrote:
Mon Apr 15, 2019 11:32 am
Checked out Arizona - Prescott and Scottsdale

AZ sounds good. Any zip code in particular? Hoping for replies from someone who lives in Scottsdale or Prescott.
85255 (Scottsdale)
85253 (Paradise Valley)
by runner3081
Fri Apr 12, 2019 10:44 pm
Forum: Personal Consumer Issues
Topic: How do you solicit 360 degree feedback?
Replies: 20
Views: 1497

Re: How do you solicit 360 degree feedback?

There are plenty of performance management software packages out there. Looks like there are free ones as well (with limited options). https://www.teamphoria.com/signup-free-employee-evaluation-recognition-review-software/ Google searching brings up quite a few. With all of that said, could just use...
by runner3081
Wed Apr 10, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: Buying New Home
Replies: 14
Views: 914

Re: Buying New Home

I would do a fair amount of homework on the company who oversaw the work (hopefully you could find out some of the subs as well). Flips scare me as many are done with the cheapest labor/supplies available.
by runner3081
Wed Apr 10, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Used Laptops/Chromebooks?
Replies: 6
Views: 380

Re: Used Laptops/Chromebooks?

I always buy used or refurbished electronics. Can't remember any major issues.

If buying on eBay refurb, make sure to go with Manufacturer Refurb, not seller refurb.
by runner3081
Wed Apr 10, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Replacing Main car to get better safety features
Replies: 51
Views: 2072

Re: Replacing Main car to get better safety features

The Subaru is also new enough that it has the vast majority of structural safety advances. All it is missing are the warnings which, while I have a newer Volvo with all of those features, I wouldn't upgrade a good existing vehicle to get those alone. You can add a backup camera and even blind spot ...
by runner3081
Tue Apr 09, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Infertility treatments/insurance/job situation
Replies: 29
Views: 1930

Re: Infertility treatments/insurance/job situation

I may get stoned for this, but is adoption an option? Many employers offer adoption benefits.

My wife and I agreed that if we were unable to conceive naturally, we would adopt, rather than going with infertility treatments.
by runner3081
Tue Apr 09, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Would you do this renovation?
Replies: 23
Views: 1324

Re: Would you do this renovation?

dbapaddy wrote:
Tue Apr 09, 2019 12:37 pm
Too many people renovate, just to sell soon after...
...and then the new owners completely redo the renovation!
by runner3081
Tue Apr 09, 2019 12:49 pm
Forum: Personal Investments
Topic: Anyone invest in tickets
Replies: 9
Views: 946

Re: Anyone invest in tickets

I did in the past, they are making things harder these days (on top of what others have mentioned about bots, etc).

I do follow this blog and he writes about his ticket "flips".

https://milesperday.com/
by runner3081
Tue Apr 09, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Buying and Reselling Used Car Every Year as a Used Car Buying Strategy?
Replies: 21
Views: 1377

Re: Buying and Reselling Used Car Every Year as a Used Car Buying Strategy?

dm200 wrote:
Tue Apr 09, 2019 10:35 am
Over the years, I have known several folks who buy a car at one of these car auction places. Keep the car for a while, sell it and repeat.
That is the magic formula. If you have Manheim access personally or through a friend, it would be very simple to do this!
by runner3081
Tue Apr 09, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Buying and Reselling Used Car Every Year as a Used Car Buying Strategy?
Replies: 21
Views: 1377

Re: Buying and Reselling Used Car Every Year as a Used Car Buying Strategy?

Millennial wrote:
Tue Apr 09, 2019 9:42 am
He pays sales tax every time, $$$$
Depends on the state. No sales tax on private sales in AZ.

But, I completely agree that this takes a fair amount of time.
by runner3081
Sat Apr 06, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: Eye glasses - cheaper alternates
Replies: 45
Views: 2863

Re: Eye glasses - cheaper alternates

We use Zenni and Goggles4U for my daughter.
by runner3081
Thu Apr 04, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Used Chevy Cruze
Replies: 25
Views: 1309

Re: Used Chevy Cruze

by runner3081
Tue Apr 02, 2019 10:13 pm
Forum: Personal Consumer Issues
Topic: Windows 10 security software
Replies: 33
Views: 2176

Re: Windows 10 security software

Another vote for Windows Defender. That is all I have as well. No issues.
by runner3081
Mon Apr 01, 2019 6:21 pm
Forum: Investing - Theory, News & General
Topic: New Bipartisan retirement bill [to upgrade 401k plans]
Replies: 17
Views: 2589

Re: New Bipartisan retirement bill

Squeaking in before lock.

More blah, blah, blah from the government.
by runner3081
Mon Apr 01, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: Better elementary school - switch soon or wait
Replies: 29
Views: 1506

Re: Better elementary school - switch soon or wait

I think it is a waste of time to chase down school districts with better ratings. The reality is, no matter what district, there will be years with better teacher and classmates and years with less than stellar teachers and classmates. It is elementary school, so who really cares. The parents play a...
by runner3081
Mon Apr 01, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: webcam/microphone and background for video interview
Replies: 9
Views: 661

Re: webcam/microphone and background for video interview

RickBoglehead wrote:
Mon Apr 01, 2019 12:21 am
Wear no pants. Keeps you relaxed... :D
So true. I worked from home for two years. Took plenty of video calls with a shirt, tie and... boxers.
by runner3081
Mon Apr 01, 2019 10:37 am
Forum: Non-US Investing
Topic: Your opinion on debt?
Replies: 111
Views: 6485

Re: Your opinion on debt?

I have noticed that many people seem to see debt mainly as a burden. Some even take special pride in being 100% debt-free. I see debt merely as an agreement from which both parties usually benefit. Being debt-free is safe and may be good psychologically, but usually it's not the smartest position t...
by runner3081
Sun Mar 31, 2019 7:57 am
Forum: Personal Finance (Not Investing)
Topic: home improvements tax credit
Replies: 2
Views: 485

Re: home improvements tax credit

Didn't the tax credit for this (energy property credits) expire at the end of 2017?

Unless I a missing something, the answer for you is - None.
by runner3081
Sat Mar 30, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: Question for swimming pool owners
Replies: 14
Views: 1527

Re: Question for swimming pool owners

Our light was burnt out when we moved in 6+ years ago. Still burnt out today (screws are stripped).

We have an extremely bright security light over the pool, does what we need for night swims.
by runner3081
Sat Mar 30, 2019 7:05 am
Forum: Personal Finance (Not Investing)
Topic: New car vs used; does it matter with 10 years of ownership
Replies: 8
Views: 1006

Re: New car vs used; does it matter with 10 years of ownership

Yes, it matters. Buying a 3-5 year old used car and driving for 10 years has a much higher chance of being less expensive than buying that same car, new, and driving for 10 years.
by runner3081
Fri Mar 29, 2019 9:56 am
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 14007

Re: How often do you check your net worth?

Currently, once per month.

However, now that things are bit more settled, I am going to go every-other-month.

I do, however, check both bank accounts and credit cards on a daily basis.
by runner3081
Thu Mar 28, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Is our household budget crazy?
Replies: 141
Views: 11615

Re: Is our household budget crazy?

For your income = No. Compared to me and what I would be comfortable with = YES

In fact, I read this as more of a brag. Maybe that is just me!
by runner3081
Wed Mar 27, 2019 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score questions
Replies: 7
Views: 387

Re: Credit score questions

Our scores continue to get lower after paying off the mortgage. We only have 3 credit cards with balances paid in full each month.

Guess what, I don't care one bit :)
by runner3081
Wed Mar 27, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing Chase freedom 5%
Replies: 27
Views: 2707

Re: Maximizing Chase freedom 5%

Paid for our AirBNB with gift cards purchased with 5% off and 4x gas bonus points. Usually, I just buy 1.5K of gift cards to the grocer we visit and run those down through the quarter and year. Note, I always buy in $100's, in case there is fraud, cards are lost, stolen, etc. I will say that in the ...
by runner3081
Wed Mar 27, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Are 2004 Ford Rangers Reliable?
Replies: 20
Views: 1326

Re: Are 2004 Ford Rangers Reliable?

The reviews at KBB are very favorable, including a few in the last year: https://www.kbb.com/ford/ranger-regular-cab/2004/ As far as reliability, as others have mentioned, if the maintenance has been kept up on, 100K miles is nothing, even being 15 years old. If you buy, make sure the airbag recall ...
by runner3081
Wed Mar 27, 2019 12:22 pm
Forum: Investing - Theory, News & General
Topic: Deferring HSA by paying medical Out-of-Pocket: Overblown?
Replies: 42
Views: 3575

Re: Deferring HSA by paying medical Out-of-Pocket: Overblown?

I have a few questions: 1) How much HSA do you need at minimum for retirement? HSA would only be used in retirement after medicare or other retiree medical plans fail to cover. In other words, how much is typical to pay OOP after those services? My thoughts are: 3)During retirement, Roth IRA distri...
by runner3081
Wed Mar 27, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 4644

Re: High School Senior Pictures

I'd also add, for me, this discussion also applies to senior rings. Who wears them once they are done with high school? My kids agreed with that one pretty fast. Found mine a few years ago. Gave it to Goodwill. I just got cash for my mine when I traded in with a bunch of other gold jewelry. Mine wa...
by runner3081
Tue Mar 26, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 4644

Re: High School Senior Pictures

celia wrote:
Tue Mar 26, 2019 10:21 pm
I'd also add, for me, this discussion also applies to senior rings. Who wears them once they are done with high school? My kids agreed with that one pretty fast.
Found mine a few years ago. Gave it to Goodwill.
by runner3081
Tue Mar 26, 2019 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage!
Replies: 88
Views: 7135

Re: Paid off mortgage!

Congrats. We paid ours off last October. Thought it would be exciting, it wasn't.

In hindsight, probably should have kept it (from a straight "logical" perspective).
by runner3081
Tue Mar 26, 2019 10:44 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 8461

Re: Tattoos and Bogleheads

No and I don't think they look good on others.

However, it doesn't bother me if people have them, their choice.
by runner3081
Tue Mar 26, 2019 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Increase homeowners insurance deductible?
Replies: 22
Views: 1360

Re: Increase homeowners insurance deductible?

We have been at $5k for years. Saved a fair amount of money so far. We wouldn't have filed a claim in the $3-$4k range anyways to avoid possible cancellation or costs increase to the policy.
by runner3081
Mon Mar 25, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Screening Buyers of Goods on Craigslist
Replies: 30
Views: 2779

Re: Screening Buyers of Goods on Craigslist

forgeblast wrote:
Mon Mar 25, 2019 10:15 am
Use facebook marketplace, you can see their profile, and where they are from.
Unless it is a fake profile. My FB account has nothing other than my first name and my wife's first name (for first/last).
by runner3081
Mon Mar 25, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Should basements be insulated from the outside or inside? New construction
Replies: 17
Views: 1434

Re: Should basements be insulated from the outside or inside? New construction

When I asked about how they insulate the basement, they said that they don't do ANY exterior insulation other than interior rim joists and interior walls that are exposed above grade (e,g, sloping terrain). Translation: "We don't do anything above building code minimums." https://www.engext.ksu.edu...
by runner3081
Sun Mar 24, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Screening Buyers of Goods on Craigslist
Replies: 30
Views: 2779

Re: Screening Buyers of Goods on Craigslist

I sell a ton on CL/FB and NextDoor. 1) Set a time 2) Ask them to text you when 10 minutes away (then you head to the meeting site). 3) Meet in public Also, for anything $40 or under, I do patio/porch pickup these days. The key is #2 - since I started doing this, I have not had a single no-show. Just...
by runner3081
Sat Mar 23, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Do the wife and I have house fever? Want to buy 550k home
Replies: 30
Views: 3209

Re: Do the wife and I have house fever? Want to buy 550k home

Do you think your kids would rather have a big back yard or would they rather have you around more often and less tired so that you can play with them? +1 I have a 5 minute commute right now and it is heaven. being a working parent I want every second I can with my girl. +1000 Less than 10 minutes ...
by runner3081
Sat Mar 23, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: Waiting 1 month before buying anything about $25
Replies: 16
Views: 1929

Re: Waiting 1 month before buying anything about $25

Another method is to change your relationship with stuff. I did a massive purge about a year ago. I'm still in the process of getting rid of stuff, but I literally never buy anything non-essential. I look at my Amazon account and there were like 5 purchases, all consumables. Completely agree. We di...
by runner3081
Fri Mar 22, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 91
Views: 5758

Re: Family man who misses driving a fun car

JoeRetire wrote:
Fri Mar 22, 2019 8:35 pm
ThankYouJack wrote:
Fri Mar 22, 2019 8:34 pm
Curious though to hear from others on here who have been in a similar situation. What did you wind up doing?
I learned to be happy with driving an SUV.
It took some time, but I am in the same boat. I adapted and got over it.

There are more important things than fast cars.
by runner3081
Fri Mar 22, 2019 12:22 pm
Forum: Personal Investments
Topic: saving too much?
Replies: 17
Views: 1427

Re: saving too much?

If you are concerned about saving too much, you feel like you are missing out and are probably saving too much.
by runner3081
Fri Mar 22, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: What consideration do you give to product reviews?
Replies: 23
Views: 1113

Re: What consideration do you give to product reviews?

dlabel wrote:
Fri Mar 22, 2019 9:48 am
I find Fakespot helpful for determining whether Amazon reviews for a particular product are trustworthy.
Be careful of Fakespot, mostly worthless these days.

I just spend time reading the best and worst reviews.
by runner3081
Thu Mar 21, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Shoe Insoles
Replies: 9
Views: 758

Re: Shoe Insoles

I put my old running insoles into my dress shoes.