Search found 3465 matches

by runner3081
Tue Sep 22, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: Tesla battery day.
Replies: 63
Views: 4133

Re: Tesla battery day.

Nope, no interest.
by runner3081
Mon Sep 21, 2020 10:50 am
Forum: Personal Investments
Topic: Second market dip in 2020 ?
Replies: 14
Views: 1754

Re: Second market dip in 2020 ?

Clever_Username wrote: Mon Sep 21, 2020 10:43 am The current value, which is a significant drop from market opening a few hours ago, might be the lowest the market is for the rest of my life. I have no way to know. Neither does anyone else.
Or the highest!? :)
by runner3081
Sun Sep 20, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: Subscription to watch live sports
Replies: 6
Views: 449

Re: Subscription to watch live sports

Since I dropped cable I have so much more time to be productive on the weekends. Keeps me off the couch all Sunday :)
by runner3081
Sun Sep 20, 2020 3:53 pm
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3101

Re: Best shoes for running?

Go to a running store. I love my Mizuno Wave Riders. Running store matched me with those nearly 10-years ago. +1 Wave Riders for me too, but I agree that visiting a running store would be helpful. The best shoe depends on your foot and your mechanics. I also get a new pair every few months. Drives ...
by runner3081
Sun Sep 20, 2020 3:51 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 121
Views: 10497

Re: Is anyone waiting until after the election?

Absolutely. Waiting until after the election for Christmas and Thanksgiving to come.

Can’t wait that long for Halloween though.
by runner3081
Sun Sep 20, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3101

Re: Best shoes for running?

Go to a running store.

I love my Mizuno Wave Riders.

Running store matched me with those nearly 10-years ago.
by runner3081
Sun Sep 20, 2020 9:06 am
Forum: Personal Investments
Topic: How long does it take for your 403b/401k contribution to show up after payday?
Replies: 29
Views: 1217

Re: How long does it take for your 403b/401k contribution to show up after payday?

Ours hit on the 3rd business day, following pay day.

We get paid on TUE, hits on FRI.

7-days is reasonable and does not run afoul of ERISA.
by runner3081
Sat Sep 19, 2020 2:46 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 236
Views: 13899

Re: Is Costco worth the $120 membership?

Doctor Rhythm wrote: Sat Sep 19, 2020 2:36 pm $1.50 for a big hotdog and a refillable soda. Repeat twice a month and you’ll cover your basic membership fee.
Depending on the state, no membership may be required for food.
by runner3081
Sat Sep 19, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 236
Views: 13899

Re: Is Costco worth the $120 membership?

All depends. We are frugal and despise having to pay for the privilege to wait in line.

With some good comparison shopping, we can always find better deals.

We dropped it nearly 7-years ago.

Haven't regretted it since.
by runner3081
Thu Sep 17, 2020 8:42 pm
Forum: Personal Consumer Issues
Topic: Kids back to On Campus School - Would you ?
Replies: 46
Views: 1926

Re: Kids back to On Campus School - Would you ?

My wife and I are on opposite sides. I think our 3rd grader should go back in Mid-October - with proper precautions (hybrid, smaller class sizes, etc), wife does not. We had asked our daughter before the year, she absolutely wanted to be in the classroom - cried when they announced online. Now, afte...
by runner3081
Thu Sep 17, 2020 5:12 pm
Forum: Personal Consumer Issues
Topic: Google Voice number
Replies: 15
Views: 1120

Re: Google Voice number

1) Yes, if you get a new G Voice number, it will not get tied back to you... unless you use your name and the phone number together somewhere that gets scraped into a directory, etc. 2) Zero costs, I have had G Voice for many years. I only paid twice, but that was well known and for particular situ...
by runner3081
Thu Sep 17, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: Google Voice number
Replies: 15
Views: 1120

Re: Google Voice number

1) Yes, if you get a new G Voice number, it will not get tied back to you... unless you use your name and the phone number together somewhere that gets scraped into a directory, etc. 2) Zero costs, I have had G Voice for many years. I only paid twice, but that was well known and for particular situa...
by runner3081
Thu Sep 17, 2020 12:41 pm
Forum: Personal Investments
Topic: Franchises
Replies: 11
Views: 1176

Re: Franchises

Try the search feature, many posts about this:

https://www.google.com/search?sitesearc ... =franchise
by runner3081
Thu Sep 17, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: Chase Freedom to Freedom Unlimited on Credit history
Replies: 33
Views: 1534

Re: Chase Freedom to Freedom Unlimited on Credit history

Probably not deactivating, but stop offering to new customers. You may still keep it but they recommend switching to the Unlimited or Flex. Based on past migrations (e.g., Marriott Bonvoy), that means that at some point in the next two years Chase will offer 10k UR points or something to get Freedo...
by runner3081
Thu Sep 17, 2020 11:14 am
Forum: Personal Consumer Issues
Topic: Chase Freedom to Freedom Unlimited on Credit history
Replies: 33
Views: 1534

Re: Chase Freedom to Freedom Unlimited on Credit history

I heard that they are deactivating the old Freedom cards and recommend customers to either Unlimited or Flex. Is this true? If so, bummer. However, they can deactivate, not worth any effort to spend and time or effort for them to keep me as a customer. DiscoverIT has similar 5% categories anyways, ...
by runner3081
Thu Sep 17, 2020 11:00 am
Forum: Personal Consumer Issues
Topic: Chase Freedom to Freedom Unlimited on Credit history
Replies: 33
Views: 1534

Re: Chase Freedom to Freedom Unlimited on Credit history

I heard that they are deactivating the old Freedom cards and recommend customers to either Unlimited or Flex. Is this true? If so, bummer. However, they can deactivate, not worth any effort to spend and time or effort for them to keep me as a customer. DiscoverIT has similar 5% categories anyways, ...
by runner3081
Wed Sep 16, 2020 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 311
Views: 19696

Re: Preparing for retirement in mid 30s

Normchad wrote: Wed Sep 16, 2020 5:48 pm I thought I read someplace, that to get ACA subsidies, there is also a *minimum* income you must have. Can anybody corroborate that or explain that?
Too low of income will put you on state's medicaid.
by runner3081
Wed Sep 16, 2020 1:14 pm
Forum: Personal Investments
Topic: "Refinance" mortgage for a family member @ 2%?
Replies: 46
Views: 2866

Re: "Refinance" mortgage for a family member @ 2%?

Sounds like you want to pay off her mortgage and are fine without being paid back. If so, go for it.
by runner3081
Tue Sep 15, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: "US SM BUS ADMIN ODA" Hard Inquiry on Credit Report
Replies: 7
Views: 1256

Re: "US SM BUS ADMIN ODA" Hard Inquiry on Credit Report

It is fraud, I am knee deep in this mess. Same thing happened to me. It will hit Experian, not the other reporting agencies. I have done the following: -Called SBA 6 times. I was able to determine the person's email address, bank they requested funds to and amount. I reported it as fraud all 6-times...
by runner3081
Mon Sep 14, 2020 12:11 pm
Forum: Personal Consumer Issues
Topic: Coin and stamp values online?
Replies: 17
Views: 1023

Re: Coin and stamp values online?

eBay (sold listings, not live listings) is really the best indicator for what you can get.
by runner3081
Mon Sep 14, 2020 12:10 pm
Forum: Personal Consumer Issues
Topic: How old is a car that can still be traded in?
Replies: 52
Views: 3933

Re: How old is a car that can still be traded in?

On an older car, you would be leaving too much money on the table by trading it in. They will give you wholesale and dump it off to Manheim, etc.
by runner3081
Mon Sep 14, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: Home exercise equipment -- invest in used elliptical?
Replies: 4
Views: 424

Re: Home exercise equipment -- invest in used elliptical?

Personally, elliptical units hurt my hips.
by runner3081
Sat Sep 12, 2020 9:01 pm
Forum: Personal Consumer Issues
Topic: bare-bones phone and cheapest prepaid plan for a kid
Replies: 47
Views: 2450

Re: bare-bones phone and cheapest prepaid plan for a kid

Moto G6 (or others in the line) with a Tello plan.
by runner3081
Sat Sep 12, 2020 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Working from home: what's your experience? Plus a few other questions.
Replies: 5
Views: 793

Re: Working from home: what's your experience? Plus a few other questions.

I worked 100% at home for two years, back in 2012-2014 - remotely. I was in Phoenix, the founders were in Seattle. It worked well, actually. I would receive constant feedback that the team always felt supported by me because I was always available. This is a double edged sword, some work days can be...
by runner3081
Fri Sep 11, 2020 4:32 pm
Forum: Personal Consumer Issues
Topic: Neccesities for a Man Cave
Replies: 51
Views: 3433

Re: Neccesities for a Man Cave

Urinal
Nacho Cheese Dispenser
by runner3081
Fri Sep 11, 2020 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 157
Views: 12266

Re: Paying off sub 4% mortgage interest rate early

Paid off a 30-year at 3.49% a couple of years back after only holding for 7-years.
by runner3081
Thu Sep 10, 2020 9:03 am
Forum: Personal Consumer Issues
Topic: Amazon vs. eBay comparison
Replies: 20
Views: 853

Re: Amazon vs. eBay comparison

I don’t buy much, and no more than two purchases per year on Amazon. EBay is almost always cheaper.
by runner3081
Thu Sep 10, 2020 9:00 am
Forum: Personal Consumer Issues
Topic: Miele Appliances for New Build Condo
Replies: 32
Views: 1694

Re: Miele Appliances for New Build Condo

Never heard of that brand,

They look nice. Care to share the list of 16? I didn’t know there were even that many options of appliances.

I mean outside of a fridge, washer, dryer, stove, dishwasher, microwave and range hood, what other appliances are there?
by runner3081
Wed Sep 09, 2020 8:59 am
Forum: Personal Finance (Not Investing)
Topic: What % of income to spend on car?
Replies: 122
Views: 8029

Re: What % of income to spend on car?

Our last car we bought in November was 4.69% of gross income.

that was for my wife, a small Nissan Versa.

My next car will likely be a SUV and we are targeting about 8% for a 5-year old one with about 65k miles.
by runner3081
Tue Sep 08, 2020 10:14 pm
Forum: Personal Investments
Topic: Attending CU Annual Meeting - Suggestions/What To Expect
Replies: 15
Views: 1366

Re: Attending CU Annual Meeting - Suggestions/What To Expect

If on Zoom, not likely to have any opportunity to provide "live feedback". Maybe they are taking written comments, prior?
by runner3081
Tue Sep 08, 2020 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants screening
Replies: 32
Views: 2633

Re: Tenants screening

Fair housing and equal opportunity department.... “Say, why did you decline those renters?”

Well, anonymous people on an Internet forum told me to.
by runner3081
Tue Sep 08, 2020 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Sent me a check I am not expecting - what should I do?
Replies: 22
Views: 3140

Re: IRS Sent me a check I am not expecting - what should I do?

I would wait a week, likely a corresponding letter coming. With mail delayed, might be a gap in delivery time.
by runner3081
Tue Sep 08, 2020 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Dog Bite Case (for real - and I own the dog)
Replies: 56
Views: 7503

Re: Dog Bite Case (for real - and I own the dog)

Amazon driver may not be employed (1099) and not have worker’s compensation?

He pocketed your $600 and now the provider who cared for him wants their $600?
by runner3081
Mon Sep 07, 2020 11:53 pm
Forum: Investing - Theory, News & General
Topic: Are the days of 7% avg index returns over?
Replies: 65
Views: 9464

Re: Are the days of 7% avg index returns over?

Well, 50% chance it is true and 50% chance it isn't.

No one knows.
by runner3081
Mon Sep 07, 2020 8:33 pm
Forum: Personal Consumer Issues
Topic: Buying a Used Car
Replies: 3
Views: 504

Re: Buying a Used Car

The used car market is highly dependent on local factors (in addition to what you are looking for). I don't consider a single month to be much of a wait. Start looking now and just buy when you find something. Even if prices do go up, it won't be much on that month. I have a 15+ year old car and am ...
by runner3081
Mon Sep 07, 2020 2:48 pm
Forum: Personal Consumer Issues
Topic: Office space
Replies: 23
Views: 2046

Re: Office space

Find a local business park and reach out to businesses. I bet many might be willing to offer something.
by runner3081
Mon Sep 07, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Cash App linked to Vanguard Brokerage to pay bills
Replies: 19
Views: 1249

Re: Cash App linked to Vanguard Brokerage to pay bills

Can you use Zelle?

Or, maybe your bill-pay service with the bank?
by runner3081
Mon Sep 07, 2020 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage on Purchase of New Home: Advice Please
Replies: 11
Views: 1104

Re: Mortgage on Purchase of New Home: Advice Please

Why 25% down? Does that provide any advantages? Otherwise, with low rates, I would stick with 20%.
by runner3081
Mon Sep 07, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: Online cheap eyeglass prescription lenses...
Replies: 24
Views: 2042

Re: Online cheap eyeglass prescription lenses...

Zenni, Goggles4U and Firmoo.
by runner3081
Sun Sep 06, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Buying vs. Renting Principles
Replies: 204
Views: 12234

Re: Buying vs. Renting Principles (Sticky Thread Request)

Outside of a down payment, there isn’t more money to invest when renting. Sure there is. All else being equal, given two identical homes the one you can rent will typically cost you less per month than a house payment would cost you. Obviously not always, but to a rough approximation it's correct. ...
by runner3081
Sun Sep 06, 2020 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Buying vs. Renting Principles
Replies: 204
Views: 12234

Re: Buying vs. Renting Principles (Sticky Thread Request)

The thing I always go back to about rent vs purchase is that the mortgage ends some day. Sure, property taxes and insurance will go up, but the bulk of the costs, at some point, go away. Conversely with renting you can follow better job opportunities more easily, you avoid a lot of transactions cos...
by runner3081
Sun Sep 06, 2020 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Buying vs. Renting Principles
Replies: 204
Views: 12234

Re: Buying vs. Renting Principles (Sticky Thread Request)

That income to purchase is highly, highly conservative. Granted, we are not one to talk. We spent 2.65x our salary on our current house. The thing I always go back to about rent vs purchase is that the mortgage ends some day. Sure, property taxes and insurance will go up, but the bulk of the costs, ...
by runner3081
Sun Sep 06, 2020 11:42 am
Forum: Personal Finance (Not Investing)
Topic: provider for umbrella insurance?
Replies: 11
Views: 912

Re: provider for umbrella insurance?

We also have AAA for home/auto and ended up with Stillwater for the Umbrella (based on AAA's recommendation).
by runner3081
Sun Sep 06, 2020 9:14 am
Forum: Personal Finance (Not Investing)
Topic: What Method of paying cash for car: EFT vs check?
Replies: 31
Views: 1786

Re: What Method of paying cash for car: ECF vs check?

Last car, we paid for it entirely on a 2% cash back credit card. Only caveat is that the dealership required a credit check for me to do so. I figured a single inquiry was worth it.

Previously, I have always used a combo of credit card to whatever the dealer's max is and then personal check.
by runner3081
Sun Sep 06, 2020 7:34 am
Forum: Investing - Theory, News & General
Topic: Edelman "Telling" Investors to Sell
Replies: 49
Views: 5533

Re: Edelman "Telling" Investors to Sell

Who is Edelman and who cares?
by runner3081
Sun Sep 06, 2020 7:33 am
Forum: Personal Consumer Issues
Topic: National Parks in Winter
Replies: 33
Views: 2585

Re: National Parks in Winter

Can add Joshua tree to the list.
by runner3081
Sat Sep 05, 2020 9:52 pm
Forum: Personal Investments
Topic: Should I cash in my banked OT to invest in market?
Replies: 7
Views: 482

Re: Should I cash in my banked OT to invest in market?

Are you saying that you can take a paid day off for the purpose of claiming overtime on that day? Correct, I can use 8 hours from my 480 hour bank to take my regular shift off. Then I can work a side detail at my OT rate instead. Well, that explains high priced budgets. Odd, have never heard of suc...
by runner3081
Sat Sep 05, 2020 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: geico stillwater home insurance and fees
Replies: 7
Views: 573

Re: geico stillwater home insurance and fees

We have AAA for home and Auto, with Stillwater as the umbrella insurer.

They added that policy fee about 3 years ago and it resulted in almost a 15% increase.