Search found 944 matches

by runner3081
Fri Jan 19, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 9
Views: 701

Re: How to Minimize Your Emergency Care Expenses

Great post. Thanks for sharing. This should be pinned somewhere as a future reference.

I am also in healthcare, but on the admin side. The things I have seen over the years are crazy with billing, networks, etc.
by runner3081
Fri Jan 19, 2018 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping it in a shoe-box is a safer AA
Replies: 23
Views: 1177

Re: Keeping it in a shoe-box is a safer AA

zz4 wrote:
Fri Jan 19, 2018 7:45 pm
itstoomuch wrote:
Fri Jan 19, 2018 7:22 pm
I'd let spouse make arrangements with mother.
The spouse passed, that's how she inherited the money. Is stepped up basis an issue here? I thought the inheritance would pass tax free.
I think he/she meant your spouse... the one related to this person :)
by runner3081
Fri Jan 19, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Legal to pay yourself to earn credit card bonuses?
Replies: 15
Views: 723

Re: Legal to pay yourself to earn credit card bonuses?

Back in the day when they had the AMEX Small Business deals, I paid myself on PayPal for many years.
by runner3081
Fri Jan 19, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 25
Views: 950

Re: Telemarketing calls from my own prefix

I block all calls of that nature. Most of them won't repeat a call, but some of them do.
by runner3081
Thu Jan 18, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: I got a Roomba and think you should too
Replies: 41
Views: 3343

Re: I got a Roomba and think you should too

...Unless you have a pet... http://www.scarymommy.com/roomba-meets-pile-of-poop-jesse-newton/ LOL. You beat me to it! For those who didn't click on the link, someone activated their Roomba without supervision and it spread dog poop all over the home. So if you have pets you need to be careful letti...
by runner3081
Thu Jan 18, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Family Balance and Children's Athletics
Replies: 33
Views: 1826

Re: Family Balance and Children's Athletics

We have co-workers and friends who spend a fortune in time and money carting their kids all over the region nearly every weekend from early-middle school age. Our kids haven't yet reached this phase in their life, but thus far we have been pushing them towards what I call 'lifetime' sports that don...
by runner3081
Thu Jan 18, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Off House
Replies: 11
Views: 1035

Re: Paying Off House

I would only pay the mortgage after maxing all available 401K, HSA and ROTH (or ded IRA) accounts.

Once those are done, then plow money into the mortgage.
by runner3081
Thu Jan 18, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Back or 0% Financing
Replies: 6
Views: 649

Re: Cash Back or 0% Financing

HardHitter wrote:
Thu Jan 18, 2018 12:38 pm
Are the numbers right?
Don't forget taxes on your CD interest. Depending on your tax situation, could be 20+%.

If it was me, I would just pay the cash for it with the $1,750 back and be done with it.
by runner3081
Thu Jan 18, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: HSA bank selection
Replies: 10
Views: 550

Re: HSA bank selection

I have both Fidelity and ELFCU. No issues with either, minimal fees on both (none on the ELFCU with a 2.5K balance)
by runner3081
Thu Jan 18, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 52
Views: 2369

Re: How do you adjust side mirrors in a car?

I like to see the sides of my car as a reference point.

100% of the time, my head turns before a lane change anyways, so missing some of the blind spot probably isn't too much of an impact.
by runner3081
Thu Jan 18, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 124
Views: 5096

Re: Short Commute or Nicer House?

Go with the short commute. I had a 40-mile round trip commute and changes jobs to be closer to home. The commute is no 4.7 miles and takes 8-11 minutes, regardless. In addition to the time saved, it also allows me to be more involved with my daughter. At the old job, I wouldn't even consider attendi...
by runner3081
Thu Jan 18, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Premium gas at BJ's for Mercedes
Replies: 41
Views: 1685

Re: Premium gas at BJ's for Mercedes

Hi all, My first service due at MB dealer. Check engine light is on for about a week. Dropped the car off at the dealer who mentioned that I should not use gasoline at BJ's Warehouse because it has higher quantities of water and alcohol. He did not imply that the check engine light was directly lin...
by runner3081
Wed Jan 17, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Car accident - was directed to sign release
Replies: 71
Views: 4704

Re: Car accident - was directed to sign release

Why would you assume the car seat needs to be replaced? Was it damaged? Car seats typically sell for $50 to $100, so .... unclear on your basis for that claim. You can google car seat accident and see that it's common to replace them when a car has been in an accident. I'm not sure where you pick u...
by runner3081
Tue Jan 16, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Car accident - was directed to sign release
Replies: 71
Views: 4704

Re: Car accident - was directed to sign release

Why would you assume the car seat needs to be replaced? Was it damaged? Car seats typically sell for $50 to $100, so .... unclear on your basis for that claim. You can google car seat accident and see that it's common to replace them when a car has been in an accident. I'm not sure where you pick u...
by runner3081
Tue Jan 16, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: A half year at full pay or a full year at half pay?
Replies: 49
Views: 4635

Re: A half year at full pay or a full year at half pay?

AirBNB (or long term-rental on) your current house, live somewhere else. Perhaps that allows you to still put money into retirement?
by runner3081
Tue Jan 16, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Self pay vs insurance
Replies: 10
Views: 767

Re: Self pay vs insurance

The primary value of medical insurance is often the negotiated prices for services. Not in my experience. I have insurance, but I always ask them the cash price first, before informing them that I have insurance. The hospital near me (and its associated branches of doctors offices) will give you a ...
by runner3081
Mon Jan 15, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance: Who do you use? (Auto/Home)
Replies: 32
Views: 1753

Re: Insurance: Who do you use? (Auto/Home)

AAA for Home and Auto.

Stillwater for Umbrella.

Will ditch all three before the next renewal.
by runner3081
Mon Jan 15, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: Dow 30,000 S&P 3000, Nasdaq 10,000
Replies: 39
Views: 4444

Re: Dow 30,000 S&P 3000, Nasdaq 10,000

Who knows... who cares?
by runner3081
Sat Jan 13, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: What journalism are you currently reading?
Replies: 12
Views: 760

Re: What journalism are you currently reading?

Reuters only for non-financial news.

Bloomberg for financial and I have some sick addiction to checking Yahoo Finance, for whatever reason :)
by runner3081
Fri Jan 12, 2018 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: mlp's Master Limited Partnerships
Replies: 26
Views: 1618

Re: mlp's Master Limited Partnerships

Had one in a "play money" account as well. Got tired of dealing with the K-1 and sold it in December to be done with it.

It was: UNL United Sts 12 Month Natural Gas Fund

There are some MLP's that don't have a K-1, if I remember correctly.
by runner3081
Wed Jan 10, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Liability Issues with Organizing Meetup Events
Replies: 10
Views: 1274

Re: Liability Issues with Organizing Meetup Events

You can purchase special event policies for no more than $100 online. We have done this for parties and company functions before.
by runner3081
Wed Jan 10, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Did I need a lawyer after an accident?
Replies: 29
Views: 2599

Re: Did I need a lawyer after an accident?

Maybe I'm naive but in accident situations like this don't people who are injured just use their own insurance coverage so the bills get paid and then the insurance companies fight each other out to recover from the responsible driver? What am I missing? Or does one or more of the injured parties l...
by runner3081
Wed Jan 10, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Cars in college
Replies: 33
Views: 1450

Re: Cars in college

My decision with my college students and cars was an easy one: 1) If you are commuting to college you get a car. (What I save on paying more for room/board covers the car cost). 2) If you are living at college (and I am paying room/board) you don't get a car. Good points, though the city/college ca...
by runner3081
Wed Jan 10, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone Using ALLY Investment Account?
Replies: 2
Views: 406

Re: Anyone Using ALLY Investment Account?

I have an Ally Investment as my TradeKing account was converted. This was simply a "play" money account that has grown to about $7k. Trades are $4.95, I believe. YES, Play Money account before finding BH :) If I were to start a new investment account, it would not be Ally. Robinhood, etc all have fr...
by runner3081
Tue Jan 09, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Use HSA money or pay out of pocket?
Replies: 36
Views: 2851

Re: Use HSA money or pay out of pocket?

I am waiting to use ours and pay current expenses from cash flow. The longer the money sits in there, the more of a tax benefit we will see.
by runner3081
Tue Jan 09, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Minimizing effect of first speeding ticket
Replies: 28
Views: 2034

Re: Minimizing effect of first speeding ticket

Hi all, I recently received my first speeding ticket for going 12 mph over the highway speed limit. The officer kindly reduced my ticket, and it is listed that I was going 5 mph over the speed limit. I have no issue with paying the associated fine, but if the ticket affects my family's car insuranc...
by runner3081
Tue Jan 09, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 3958

Re: Men's no iron dress shirt recommendations

I haven't found any brands that cause issue. All of the way from cheap Kohl's ones to Brooks Brothers. The key is to pull it out of the dryer the MINUTE it stops, or use wrinkle guard.
by runner3081
Tue Jan 09, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Low mileage, but old, used car (service and reliabilty)
Replies: 20
Views: 1097

Re: Low mileage, but old, used car (service and reliabilty)

There are two downsides to driving a convertible, safety-wise.

1) Roll over protection
2) Blind spot

I have owned one and extensively driven another convertible. The blind spot is huge and makes me uncomfortable with the top up.
by runner3081
Sun Jan 07, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Stand Alone Umbrella Insurance
Replies: 37
Views: 2448

Re: Stand Alone Umbrella Insurance

We saw the same thing with Stillwater insurance for our 2018 renewal notice. For $1 million and no changes or events, it went from $160 to $200 AND THEN they now have a $30 policy fee they slap on top. Grand total is now $230, which is around a 45% yearly increase. AAA (where we have homeowners and ...
by runner3081
Sun Jan 07, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Does it make sense to try to "time" a first time home purchase?
Replies: 48
Views: 2148

Re: Does it make sense to try to "time" a first time home purchase?

Absolutely makes sense to time it... Time it and buy when you have found the area you want to stay in, have the money for 20% down and can comfortably afford the mortgage and other costs while continuing to fund your other financial goals. The other stuff is all noise. No one has a crystal ball. For...
by runner3081
Sat Jan 06, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 7393

Re: How much are you putting in a 529?

One child, age 5. We are putting in $50 per month. There is a state tax advantage. Our intent is not to fund her college expenses completely. We will pay 2 years tuition at a local community college, then 2 years of in-state tuition at a public school. Anything beyond is up to her (including room an...
by runner3081
Fri Jan 05, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Checking account balance relative to credit limit?
Replies: 8
Views: 566

Re: Checking account balance relative to credit limit?

That's what I thought, but in a recent FICO credit report it said "Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high" Checking accounts are not revolving accounts. You can have 1 million in the bank with a 520 score or owe 1 million and have ...
by runner3081
Fri Jan 05, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Checking account balance relative to credit limit?
Replies: 8
Views: 566

Re: Checking account balance relative to credit limit?

No, I don't have any preferred ratio of cash to credit balance. To me, the two are not related whatsoever.
by runner3081
Thu Jan 04, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: [How to determine budget for toys/luxuries?]
Replies: 41
Views: 2673

Re: [How to determine budget for toys/luxuries?]

As others have said, it is all about your goals.

My wife and I have an aggressive retirement goal and do not spend any money on toys. We are also minimalists, so that removes the need to really buy toys. We are happy with what we have.
by runner3081
Thu Jan 04, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Do you have a antivirus for you Android phone?
Replies: 20
Views: 1374

Re: Do you have a antivirus for you Android phone?

No, but I keep my phone very "light".

Only a few apps are actually loaded, most of what I do is go websites, not download the apps.
by runner3081
Thu Jan 04, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: PSA: H&R Block Deal of the Day on Amazon (1/4)
Replies: 15
Views: 1664

Re: PSA: H&R Block Deal of the Day on Amazon (1/4)

FYI - though the state return is included, there is a charge to e-file through H&R block on the state return.
by runner3081
Thu Jan 04, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 28
Views: 2727

Re: Airbnb - Guide a beginner

We have used VRBO 3 times and AirBnB 3 times. 2/3 times on VRBO, the hosts cancelled our reservation a couple of months out due to "calendar sync" issues. The other stay was great with no issues. The AirBnB experiences have all been great with no issues. We only rent our own area (no shared bedrooms...
by runner3081
Wed Jan 03, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: First HSA: Any Hints, Tips Or Tricks?
Replies: 6
Views: 682

Re: First HSA: Any Hints, Tips Or Tricks?

I save and backup electronic copies of my insurer's Explanation of Benefits statements and my HSA's transaction history for the year. Interesting, I don't keep any EOB's, only detailed receipts showing payment to stores and healthcare providers. They are stored by paper, on my computer and then Goo...
by runner3081
Wed Jan 03, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: First HSA: Any Hints, Tips Or Tricks?
Replies: 6
Views: 682

Re: First HSA: Any Hints, Tips Or Tricks?

bluerafters wrote:
Wed Jan 03, 2018 11:00 am
mcraepat9 wrote:
Tue Jan 02, 2018 11:46 pm
If you plan on keeping receipts forever, make sure you scan them in. They will fade if you expect to keep them in paper form.
10 years is the window for eligibility on a HSA, correct?
Incorrect, it is forever.

At least right now for today's contributions.
by runner3081
Wed Jan 03, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Anyone Port From Verizon To Red Pocket?
Replies: 10
Views: 835

Re: Anyone Port From Verizon To Red Pocket?

I have ported out of Verizon twice and both times were somewhat of a pain. The last one I did, to Google Voice took 4 days.

They are extremely slow and unresponsive/unwilling to help.
by runner3081
Tue Jan 02, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Phone Encryption
Replies: 4
Views: 524

Re: Phone Encryption

I can speak to this with experience. I had a Note 4 two years ago and was required to put an Airwatch App on there for work. As part of the requirement to check work email on the phone, it had to be encrypted. There was no noticeable slowdown following Android encryption. With that said, I did have ...
by runner3081
Tue Jan 02, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Contract and W2 Question
Replies: 3
Views: 226

Re: Contract and W2 Question

Hello - I would like the advice and thoughts of forum members on a work-related situation. I am 54 YO Semi-Retired. After 'retiring' from Mega-Corp in 2016 I started an IT Company providing Project Management and Cybersecurity consulting, working mainly from home. I currently have 2 contracts. For ...
by runner3081
Tue Jan 02, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for Homeowner's Insurance
Replies: 6
Views: 389

Re: Shopping for Homeowner's Insurance

The deductible does seem pretty low. Ours is at $5k and I think that is even too low.
by runner3081
Tue Jan 02, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed messed up my mortgage payment - again
Replies: 8
Views: 1060

Re: PenFed messed up my mortgage payment - again

mortfree wrote:
Mon Jan 01, 2018 9:36 pm
all the reason to not let a mortgage company collect the portion for property taxes and insurance. Assuming 20% down to waive escrow requirements.

So much easier and no headaches when you do it yourself.
Not always possible, however. Even with 20% down.
by runner3081
Tue Jan 02, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: My 2017 Budget
Replies: 35
Views: 3835

Re: My 2017 Budget

First off, congrats to the OP for having such a great budget. Some people disagree or have issues with it, but I think it is great. We are a family of 3 and clock in at $35,844.76. Housing (Utilities, Internet, HOA, Homeowners Ins): 17,981.88 Non-Medical Insurance (Term Life and Umbrella): $810.00 M...
by runner3081
Sun Dec 31, 2017 12:21 am
Forum: Personal Consumer Issues
Topic: Another car thread - old ones?
Replies: 14
Views: 945

Re: Another car thread - old ones?

Yes, bought an E36 M3 and had it for about 3 years. Drove it hard and enjoyed it. Bought it when I was working from home, then I started commuting and did it for a year (40 miles round trip). No issues at all. Still handles better than a large number of cars made today. It wasn't that fast, but it s...
by runner3081
Fri Dec 29, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pay 1099 assistant bonus?
Replies: 5
Views: 333

Re: Pay 1099 assistant bonus?

I think $1000 bonus on $20k salary is a perfectly fine bonus. You should give it to her if you feel she deserves it. I'm not sure about a 1099 bonus but most bonuses have a 25% tax rate, although I am not sure if it applies in this scenario. So essentially if you want to give a 1k bonus I would giv...