Search found 2507 matches

by runner3081
Sun Nov 17, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Another Laptop Question
Replies: 19
Views: 770

Re: Another Laptop Question

I would do it (keep and load Win10). I am rocking a 10-year old Dell right now that I bought as a refurb.

I tossed in an SSD and it runs like a champ with Win10.

No need to upgrade for me!
by runner3081
Sun Nov 17, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: FICO. Score questions.
Replies: 8
Views: 687

Re: FICO. Score questions.

Dottie57 wrote:
Sun Nov 17, 2019 10:45 am
Yesterday I pulled my credit score from Experian. My score isn’t as good as hoped for and I want to know why.
Score is good 728.

I did have some late credi card payments 3 years ago.
I think 728 is phenomenal for having late payments!
by runner3081
Sun Nov 17, 2019 9:41 am
Forum: Personal Investments
Topic: Multi-tired emergency fund
Replies: 6
Views: 543

Re: Multi-tired emergency fund

Our EF Order:

-Credit Cards
-Savings Account
-CD's
-iBonds
-Taxable Savings
-HSA
-ROTH IRA
by runner3081
Sun Nov 17, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Deal finding websites
Replies: 10
Views: 845

Re: Deal finding websites

Also, Brad's Deals

https://www.bradsdeals.com
by runner3081
Sat Nov 16, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: Tablet for 2 year old for long car trip
Replies: 27
Views: 1288

Re: Tablet for 2 year old for long car trip

Yes more than enough.
by runner3081
Sat Nov 16, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Amazon credit if current price is lower and still eligible for return?
Replies: 14
Views: 819

Re: Amazon credit if current price is lower and still eligible for return?

RickBoglehead wrote:
Sat Nov 16, 2019 6:02 pm
No. Amazon stopped matching prices long ago.
Correct. No more price matching.

Could always try to chat, but if you believe the conspiracy theory folks, do this too often and Amazon bans you.
by runner3081
Sat Nov 16, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Double-dipping with cash-back app
Replies: 12
Views: 1068

Re: Double-dipping with cash-back app

Interesting, though, this could become somewhat of a pain if you need to return the item, right?

I assume the store gives you a new physical GC upon return.

Also, you lose any CC benefit protections (extended warranty, etc., if applicable).
by runner3081
Fri Nov 15, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: Basketball hoop that can be moved in and out of garage
Replies: 14
Views: 739

Re: Basketball hoop that can be moved in and out of garage

Almost all of the portable ones have wheels, I believe. https://www.walmart.com/ip/Spalding-NBA-54-Portable-Angled-Basketball-Hoop-with-Polycarbonate-Backboard/22401197?wmlspartner=wlpa&selectedSellerId=0&adid=22222222227016300258&wl0=&wl1=g&wl2=c&wl3=40837545992&wl4=aud-566049426705:pla-78651168392...
by runner3081
Thu Nov 14, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: What exactly changes when I switch SIM cards on a phone?
Replies: 10
Views: 1409

Re: What exactly changes when I switch SIM cards on a phone?

It depends if it is GSM or CDMA.

If CDMA, not much.

Which one do you have?
by runner3081
Thu Nov 14, 2019 9:37 am
Forum: Personal Investments
Topic: After tax 401k worth
Replies: 30
Views: 1964

Re: After tax 401k worth

Zero. I have one and don't use it, opt for the pre-tax instead.
by runner3081
Wed Nov 13, 2019 9:10 pm
Forum: Personal Consumer Issues
Topic: Where to donate refrigerator, washer, dryer
Replies: 8
Views: 642

Re: Where to donate refrigerator, washer, dryer

How about free on Craigslist?

I personally am not concerned with what the "new owners" of my old items do with them!

Assuming they are going to pick them up, they will probably use them and not toss them.
by runner3081
Wed Nov 13, 2019 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Teenage Driver Accident - Insurance advice needed
Replies: 7
Views: 659

Re: Teenage Driver Accident - Insurance advice needed

jlm411 wrote:
Wed Nov 13, 2019 2:31 pm
Should I pay the other driver's expense out of pocket?
If they are willing, I would personally try do to that. Make sure to possibly have some kind of waiver or settlement agreement for them to sign.

However, they may not be open to this option.
by runner3081
Wed Nov 13, 2019 7:44 am
Forum: Personal Consumer Issues
Topic: Craigslist vs Kelley Blue Book cash offer for car
Replies: 6
Views: 502

Re: Craigslist vs Kelley Blue Book cash offer for car

Just sold a car last Sunday. Had it posted on FB Marketplace, OfferUp, NextDoor and Craigslist. We also did go the KBB route and they had a local dealer offer, it was over $1K short of what we sold it for, ourselves. Most dealers, unless it is very desirable, are going to give you a purchase price b...
by runner3081
Tue Nov 12, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Experience/cost MLB spring training?
Replies: 29
Views: 1770

Re: Experience/cost MLB spring training?

I don't know about FL but I live about 4 miles from the Diamondbacks and Rockies facility in Scottsdale, AZ. It draws a huge number of people and unfortunately to me, it is now big business. This is from 2018 https://www.tickpick.com/blog/average-mlb-spring-training-ticket-prices-by-team/ On the lo...
by runner3081
Tue Nov 12, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: Experience/cost MLB spring training?
Replies: 29
Views: 1770

Re: Experience/cost MLB spring training?

Do not go at the end of spring training (last few games). Those games are mostly played using scrubs in the minors who will never see the MLB diamond.
by runner3081
Tue Nov 12, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 4801

Re: (Sigh) "Wasting" year-old smoke detector batteries...

I check, but don't change them unless they are getting on the low end of being full.
by runner3081
Mon Nov 11, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is this Job W-2 or 1099?
Replies: 6
Views: 366

Re: Is this Job W-2 or 1099?

Check out the IRS common law rules here: https://www.irs.gov/businesses/small-businesses-self-employed/independent-contractor-self-employed-or-employee "Common Law Rules Facts that provide evidence of the degree of control and independence fall into three categories: Behavioral: Does the company con...
by runner3081
Mon Nov 11, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: Mobile finance apps - do you use them?
Replies: 22
Views: 1054

Re: Mobile finance apps - do you use them?

I actually don't load many apps on my phone. Definitely nothing for banking. I just don't need to have an app to do my banking (not a privacy concern).

In fact, the only non-factory apps on my Android are fewer than 12.
by runner3081
Sun Nov 10, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11177

Re: Saving seats on Southwest

How about the couples that choose the two aisle seats across from each other, hogging both 3 seat groups? What's wrong with that? It's open seating. If they both like aisles, they should do exactly this. Same as the rudeness of saving seats or choosing the aisle and window, hoping no one sits in th...
by runner3081
Sun Nov 10, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: RSS Reader Question
Replies: 12
Views: 759

Re: RSS Reader Question

I use INOREADER.
by runner3081
Sun Nov 10, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: Underwater Car Loans
Replies: 38
Views: 2294

Re: WSJ: Underwater Car Loans

I have no experience at all with purchasing cars, so can somebody explain how you get in - and out - of this kind of financial mess? Very, very easy. I have some employees and friends who end up in this mess with perpetual car payments and underwater vehicles. People look at loan payments, not cost...
by runner3081
Sat Nov 09, 2019 9:13 pm
Forum: Personal Consumer Issues
Topic: House for Sale--How Much to Tell Potential Buyer
Replies: 35
Views: 2825

Re: House for Sale--How Much to Tell Potential Buyer

People really complain about stuff like this? We sleep with a sound machine, overnight noise provlems solved for less than 20 bucks. Seems people should not move next to a business if they want quiet.

As with the other advice, absolutely do not interfere, either as a neighbor or a HOA member.
by runner3081
Sat Nov 09, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: What is reasonable HOA reserve?
Replies: 13
Views: 1292

Re: What is reasonable HOA reserve?

All depends on the details of the property and common elements that need to be maintained (pools, roads, walls, etc). Have they done a reserve study? I assume they did and the results indicated that they were woefully short (esp if doing an assessment). Ask for a copy of that, it takes every single ...
by runner3081
Sat Nov 09, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7559

Re: Do you charge your employer for the time that you spend working on your off days?

Unfortunately, it is the expectation at my workplace (email evenings, weekends, etc - in fact, I have a conference call tomorrow morning (SAT). I put up with it now, but I always have a choice to leave if I want. The one place I do draw the line is PTO > 1 days. In those cases, I am not connected t...
by runner3081
Sat Nov 09, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Should I replace my HVAC system or get home warranty plan?
Replies: 17
Views: 902

Re: Should I replace my HVAC system or get home warranty plan?

Don't waste money on a home warranty plan. We had one that was "bought" for us by the seller, kept it an additional year. Had a washer replaced, hot water heater replaced, garage door opener repaired, pool work, sprinkler work, etc. Even with all of that, we just about broke even on the premiums and...
by runner3081
Sat Nov 09, 2019 1:49 pm
Forum: Personal Investments
Topic: Should I use my 457(b)? Worried about disbursement options...
Replies: 32
Views: 1338

Re: Should I use my 457(b)? Worried about disbursement options...

Maybe I am misunderstanding the first question. I would think that your contributions are held in a trust fund and should not be impacted by what happens to the employer. Most qualified plans — such as pension, profit-sharing and 401(k) plans — are protected against creditors' claims, both in and o...
by runner3081
Fri Nov 08, 2019 11:20 pm
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6676

Re: Was I ripped off at the car dealership?

I went in for a routine oil change. They showed me an oil stain that I had under the oil pan and told me that the oil pan gasket needed to be changed. I was told this is a three hour job and they charged me $400. The guy told me it was 350 and then come to find out, it was 400. He said the 350 was ...
by runner3081
Fri Nov 08, 2019 11:15 pm
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 61
Views: 4693

Re: How bad business travel is?

I dread traveling for business. At this point, the two trips I take a year are more than enough. Late nights, quick turnarounds, breaking my routine, etc. Not for me! I rarely, if ever have downtime during travel - early breakfast, late dinners, all-day meetings, and those make it harder to like th...
by runner3081
Fri Nov 08, 2019 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7559

Re: Do you charge your employer for the time that you spend working on your off days?

Unfortunately, it is the expectation at my workplace (email evenings, weekends, etc - in fact, I have a conference call tomorrow morning (SAT). I put up with it now, but I always have a choice to leave if I want. The one place I do draw the line is PTO > 1 days. In those cases, I am not connected to...
by runner3081
Fri Nov 08, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 61
Views: 4693

Re: How bad business travel is?

I dread traveling for business. At this point, the two trips I take a year are more than enough. Late nights, quick turnarounds, breaking my routine, etc. Not for me! I rarely, if ever have downtime during travel - early breakfast, late dinners, all-day meetings, and those make it harder to like the...
by runner3081
Thu Nov 07, 2019 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Selling to Carmax: Fix then Quote vs. Quote then Fix
Replies: 23
Views: 1906

Re: Selling to Carmax: Fix then Quote vs. Quote then Fix

I don't know about morality, but get the quote first. If they find something, then you can fix & re-quote. No moral issues here at all, unless you intentionally try to hide something (pull out check engine light bulb, etc). They are buying the car, it is on them to determine what is wrong with it. ...
by runner3081
Thu Nov 07, 2019 4:19 pm
Forum: Personal Investments
Topic: How much is too much in an HSA?
Replies: 51
Views: 4229

Re: How much is too much in an HSA?

Considering they have not been around very long and the very low annual contribution limits, I think it would be hard to have "too much".
by runner3081
Thu Nov 07, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: How does bookkeeping for an HSA work (keeping receipts for decades)
Replies: 6
Views: 559

Re: How does bookkeeping for an HSA work (keeping receipts for decades)

Spreadsheet - Local computer and Google Sheet
Receipts - One scanned copy local computer, one Google Drive and keep the paper copy
by runner3081
Thu Nov 07, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Cost Basis Time Share received for free or a few dollars
Replies: 11
Views: 757

Re: Cost Basis Time Share received for free or a few dollars

Run, don't walk. This "dear" friend probably thinks you are a sucker.
by runner3081
Thu Nov 07, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Flooring
Replies: 19
Views: 1068

Re: Flooring

We put luxury roll vinyl in our last house. Looked great and was easy to install as it was a no-glue type. Did people guess it wasn’t hardwood? The printed pattern was slate tiles, it was fairly think and had elevation changes for fake grout lines, etc, but was fairly soft. Everyone really liked it.
by runner3081
Thu Nov 07, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Flooring
Replies: 19
Views: 1068

Re: Flooring

We put luxury roll vinyl in our last house. Looked great and was easy to install as it was a no-glue type.
by runner3081
Wed Nov 06, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Excess Cash- What to do with it?
Replies: 14
Views: 1664

Re: Excess Cash- What to do with it?

Extra money goes into post-tax index fund investing for us.
by runner3081
Tue Nov 05, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4113

Re: Your Fantasy Kitchen (Cookware-wise)

Someone else to clean all of the dishes :)
by runner3081
Tue Nov 05, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Job change + high healthcare costs = pay deductible twice?
Replies: 17
Views: 1149

Re: Job change + high healthcare costs = pay deductible twice?

psychoslowmatic wrote:
Tue Nov 05, 2019 12:29 pm
No idea if this is right, but would taking COBRA coverage through the old company through the end of the year avoid repaying the deductible?
Yes, it would.
by runner3081
Tue Nov 05, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Verizon or AT&T for mobile phone service
Replies: 6
Views: 478

Re: Verizon or AT&T for mobile phone service

Neither. Go with an MVNO that uses one of their networks and save money.

With that said, it is very location specific. For example, people don't like Sprint, but their service works great for us.
by runner3081
Wed Oct 30, 2019 7:55 pm
Forum: Personal Investments
Topic: We might reduce retirement savings for other budget goals: good/bad?
Replies: 14
Views: 1380

Re: We might reduce retirement savings for other budget goals: good/bad?

All depends on your goals. Personally, I would never let retirement savings drop that low.
by runner3081
Wed Oct 30, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Olympic National Park and Mount Rainier National Park First Week of November - Worth It?
Replies: 15
Views: 778

Re: Olympic National Park and Mount Rainier National Park First Week of November - Worth It?

No issues going to Rainier (Paradise). There is some snow, but the paths are usually walk-able, but very muddy. Webcam here: https://www.nps.gov/webcams-mora/gh.jpg?2019930133151 I would not do both, personally. If I could only do one, it would be the Olympic National Park. More variety, can also h...
by runner3081
Wed Oct 30, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: Olympic National Park and Mount Rainier National Park First Week of November - Worth It?
Replies: 15
Views: 778

Re: Olympic National Park and Mount Rainier National Park First Week of November - Worth It?

No issues going to Rainier (Paradise). There is some snow, but the paths are usually walk-able, but very muddy. Webcam here: https://www.nps.gov/webcams-mora/gh.jpg?2019930133151 I would not do both, personally. If I could only do one, it would be the Olympic National Park. More variety, can also he...
by runner3081
Tue Oct 29, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: Anyone have an issue with Corelle plates?
Replies: 38
Views: 3598

Re: Anyone have an issue with Corelle plates?

How often do yo they guys break plates that you need indestructible ones? Is there something pleasing about the Corelle material that you guys like? We buy ceramic plates and bowls and mugs at the restaurant supply store. If you need to replace them, they’re like $2. And the design is classic plain...
by runner3081
Tue Oct 29, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: VPNs
Replies: 32
Views: 3063

Re: VPNs

Windscribe. Free.
by runner3081
Mon Oct 28, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Banks/Brokerages that allow trust accounts
Replies: 6
Views: 384

Re: Banks/Brokerages that allow trust accounts

Ally was pretty simple, just send them a copy of the trust and they do the rest.

Just know that regular customer service can't help you much once the trust is made the account owner, there is a specific department for help.
by runner3081
Mon Oct 28, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Popeyes Chicken Sandwich [is it a good value]
Replies: 40
Views: 2414

Re: Popeyes Chicken Sandwich [is it a good value]

No plans to try it. In general I don't find food that is made for me to be a good value.