Search found 2158 matches

by runner3081
Tue Jul 16, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: Low Cost Burner Phone?
Replies: 7
Views: 954

Re: Low Cost Burner Phone?

If it is Sprint network compatible, hard to beat Tello.
by runner3081
Tue Jul 16, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: Ally Bank [customer service problems]
Replies: 7
Views: 695

Re: Ally Bank [customer service problems]

No issues for me with Ally either, been with them for 6+ years as a primary bank.
by runner3081
Sun Jul 14, 2019 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Relocated, No Bank Branch, and Need Earnest Money Check
Replies: 13
Views: 583

Re: Relocated, No Bank Branch, and Need Earnest Money Check

Purchased three houses. All three times a personal check was sufficient.
by runner3081
Sat Jul 13, 2019 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Add a second job? Trader Joes, Home depot, ???
Replies: 38
Views: 4689

Re: Add a second job? Trader Joes, Home depot, ???

You mention time available during the day. Keep in mind that when you are starting out in these jobs, they may involve a number of weekends, rather than weekdays.
by runner3081
Fri Jul 12, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and More In October
Replies: 23
Views: 1317

Re: Grand Canyon and More In October

Very possibly for 30's at night in the Grand Canyon area. Make sure to bundle up!

Red Rock Canyon loop is short and right out of Vegas, I would recommend it along with Valley Of Fire Drive. Also, Mt. Charleston is close and not too bad.
by runner3081
Thu Jul 11, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: 2016 Car with only 11,000 miles?
Replies: 32
Views: 2892

Re: 2016 Car with only 11,000 miles?

Not unusual at all.

Heck, my wife averages less than 4.5K per year in her car.

If there was a drawback, the tires need to be replaced in 2-3 years, regardless of miles. Once they get to be 6-years old, it is time to start thinking about replacing them.
by runner3081
Tue Jul 09, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: Scrubber machine to clean tile floors?
Replies: 8
Views: 653

Re: Scrubber machine to clean tile floors?

We looked on Amazon and found a Hoover Floormate Deluxe that has rotating brushes but thought I'd run it by here first before I go out and just start buying something. We had one and to be honest, it was the absolute worst thing we had bought in a long time. Ineffective at cleaning and was a hassle...
by runner3081
Tue Jul 09, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 151
Views: 7788

Re: Who cuts your hair? And for how much?

About $.62 per hair cut.

Wife does it

$14.99 trimmer about 4 years ago.

Only gets cheaper with each cut :)

I also enjoy conversation, but not when I have to pay for it!
by runner3081
Tue Jul 09, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Sandals with arch support
Replies: 25
Views: 1936

Re: Sandals with arch support

I had good luck with the Teva brand.

Tried to go cheaper after the Teva's fell apart (5-years). Stay away from the Reef brand.
by runner3081
Tue Jul 09, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Grill Mat
Replies: 29
Views: 2330

Re: Grill Mat

SimonJester wrote:
Tue Jul 09, 2019 7:45 am
Their use is actually more cleanup not less.
Agree, they are a greasy mess when done.
by runner3081
Mon Jul 08, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: My situation and a new vehicle
Replies: 20
Views: 1685

Re: My situation and a new vehicle

Have you had to replace the head gaskets yet? I think that is a common issue on Subarus from this time. If you haven’t, I wouldn't assume the car will continue to run trouble free. If you end up with a blown head gasket you could end up in a situation where it is not worth fixing and the vehicle is...
by runner3081
Mon Jul 08, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: My situation and a new vehicle
Replies: 20
Views: 1685

Re: My situation and a new vehicle

While I have taken spectacular care of the vehicle and performed all necessary maintenance, I do have a fear that problems may present themselves and end up costing a substantial amount of money to fix in comparison to the vehicles current value. Obviously, these fears speak to a transmission going...
by runner3081
Mon Jul 08, 2019 10:34 am
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 26901

Re: Americans believe they need $1.7 million, on average, to retire

Doesn't seem to be far off.

Our target is $2m for early retirement at 50.
by runner3081
Sun Jul 07, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any place you can buy a house for 50k west of Kansas?
Replies: 27
Views: 3718

Re: Is there any place you can buy a house for 50k west of Kansas?

Not any place many people would want to live, but there are plenty. In just a few minutes, found these in AZ: https://www.propertyshark.com/homes/US/Home-For-Sale/AZ/Elfrida/10380-N-BUR-SAGE-PLACE/76786183.html https://www.propertyshark.com/homes/US/Home-For-Sale/AZ/Miami/278-S-Franz-Ave/77721387.ht...
by runner3081
Sun Jul 07, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Prenuptial for future son-in-law - RESOLVED
Replies: 46
Views: 2384

Re: Prenuptial for future son-in-law

We plan on sitting down with the future couple soon to discuss the prenuptial agreement. They will have no advance knowledge of the topic of discussion. If our future son-in-law declines signing, I would tell them we now consider them financially independent. Personally, I feel that ambushing him w...
by runner3081
Sat Jul 06, 2019 10:20 pm
Forum: Personal Investments
Topic: Anyone itching to dabble in crypto?
Replies: 46
Views: 2782

Re: Anyone itching to dabble in crypto?

Not one bit.
by runner3081
Thu Jul 04, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Reservations about purchasing a 16 year old house
Replies: 65
Views: 4706

Re: Reservations about purchasing a 16 year old house

18-20 years was the magic number for everything to start breaking in our house. We bought it in 2013 (built in 1999) and everything was original, faucets, appliances, etc. Replaced in the last three years: -Roof -HVAC System (AC/Heat) *Repaired under home warranty three times prior to replacement -D...
by runner3081
Thu Jul 04, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Adding a Vehicle raises Umbrella premium?
Replies: 12
Views: 1208

Re: Adding a Vehicle raises Umbrella premium?

Mine went up when I went from 2 vehicles to 3, even though there are only two drivers and total mileage was unchanged. Aggravating. I talked to a friend who was an insurance broker. She said that sort of pricing is fairly common. Some companies rate their exposure based on the number of vehicles an...
by runner3081
Wed Jul 03, 2019 10:51 pm
Forum: Personal Investments
Topic: Risks/Benefits of Reducing 401k Contributions
Replies: 6
Views: 554

Re: Risks/Benefits of Reducing 401k Contributions

MutualFun wrote:
Wed Jul 03, 2019 10:09 pm
What are we failing to consider here?

Thanks!
What constraints? 59.5 years of age to withdraw?

Rule 72t which open the door for taking money out earlier, if needed in certain circumstances.
by runner3081
Wed Jul 03, 2019 6:39 pm
Forum: Personal Consumer Issues
Topic: Cleaning bugs off car bumper
Replies: 32
Views: 2289

Re: Cleaning bugs off car bumper

Clay bar technique works well most times as well.
by runner3081
Wed Jul 03, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: What to let kids buy?
Replies: 39
Views: 2342

Re: What to let kids buy?

We let my daughter buy what she wants. However, we always try to provide insight into what she is purchasing and that else that money could buy.
by runner3081
Tue Jul 02, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Paid of Mortgage on home/need help with insurance
Replies: 17
Views: 1423

Re: Paid of Mortgage on home/need help with insurance

Silk McCue wrote:
Tue Jul 02, 2019 11:22 am
runner3081 wrote:
Tue Jul 02, 2019 11:18 am
Umbrella?
Lots of threads on this site for Umbrella Liability insurance. Google is your friend.

https://www.investopedia.com/terms/u/um ... policy.asp

Cheers
I know fully what one is and have one, that was a response to the OP that he may need to look into umbrella coverage :)
by runner3081
Tue Jul 02, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Best way to continually get SiriusXM Radio discount
Replies: 18
Views: 1357

Re: Best way to continually get SiriusXM Radio discount

Could try to find one of the players with a lifetime sub. Can be ran through bluetooth in the car.
by runner3081
Mon Jul 01, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Feels like never enough in savings?
Replies: 27
Views: 2989

Re: Feels like never enough in savings?

cashisking500 wrote:
Mon Jul 01, 2019 10:25 am
Tell me there's something better we should be doing with this money?
There is ALWAYS something better.

But, it depends on your risk tolerance, thirst to make more, etc.
by runner3081
Sun Jun 30, 2019 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 19995

Re: Do you share your net worth with family members?

Not any of it. No one knows salary, net worth or milestones. Paid off our mortgage and received the paid off documents when my dad was visiting, didn't even tell him. In-laws probably think we are poor, father-in-law points out holes in my shoes and sister in law makes fun of my ugly, but reliable c...
by runner3081
Sun Jun 30, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: Windows Defender and Malwarebytes
Replies: 17
Views: 1534

Re: Windows Defender and Malwarebytes

rich126 wrote:
Sun Jun 30, 2019 1:23 pm
Personally I would use the free version of malwarebytes to run a periodic scan and then use defender or whatever as your real time scanner.
I do this as well, about every 2-3 weeks.
by runner3081
Sat Jun 29, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Have nice car but too OCD to enjoy it.
Replies: 45
Views: 3023

Re: Have nice car but too OCD to enjoy it.

So it sits until the weekend and I drive the beater all week. I literally try to preserve the car. I feel like people like me shouldn’t have a nice car because I treat it like a child instead of the money pit depreciating mass that it is. Someone wake me up, and has anyone else ran into this behavi...
by runner3081
Sat Jun 29, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: How much should I have saved for retirement by age 40?
Replies: 111
Views: 17529

Re: How much should I have saved for retirement by age 40?

Biggest question will be, when do you want to retire?

Retiring at 50 will provide a much different answer compared to retiring at 70.
by runner3081
Fri Jun 28, 2019 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 12734

Re: How did you lower your annual expenses?

-Don't eat out -Shop grocery ads (don't buy name brand food -or anything) -Dump Cable TV AND all subscription tv expenses (too many people dump cable TV at $1xx per month only to subscribe to 10 streaming services for $80+) -Use the library for books and other media -Reduce your cell phone bill dra...
by runner3081
Fri Jun 28, 2019 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 129
Views: 5957

Re: Relocate to Seattle or NYC

Seattle is having some pretty major growing pains these days. No way would I suggest someone move there, especially having to work downtown.
by runner3081
Fri Jun 28, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: roofing nails
Replies: 20
Views: 1028

Re: roofing nails

8 months after our tile roof underlayment being replaced... we are still finding nails in the rocks.
by runner3081
Fri Jun 28, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Standalone Umbrella Policy
Replies: 11
Views: 968

Re: Standalone Umbrella Policy

We have Stillwater as a stand alone policy.

Auto and home are AAA.
by runner3081
Mon Jun 24, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: British Columbia summer vacation
Replies: 16
Views: 1095

Re: British Columbia summer vacation

Banff.
by runner3081
Mon Jun 24, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 12734

Re: How did you lower your annual expenses?

Grt2bOutdoors wrote:
Mon Jun 24, 2019 8:30 pm
Pack your lunch from home. They talk about the latte factor but have you seen how much lunch purchased outside the home costs?
I know, crazy to see people in my company who make $15-18 per hour buying a $10-$12 lunch every single day!
by runner3081
Mon Jun 24, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 12734

Re: How did you lower your annual expenses?

-Don't eat out -Shop grocery ads (don't buy name brand food -or anything) -Dump Cable TV AND all subscription tv expenses (too many people dump cable TV at $1xx per month only to subscribe to 10 streaming services for $80+) -Use the library for books and other media -Reduce your cell phone bill dras...
by runner3081
Mon Jun 24, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: Pickleball Paddle recommendation?
Replies: 60
Views: 3402

Re: Pickleball Paddle recommendation?

I play pretty frequently and like my polymer core paddle.
by runner3081
Mon Jun 24, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Parent's Home Below Market
Replies: 47
Views: 4563

Re: Buying Parent's Home Below Market

Hello, My family and I (husband and 3 kids) live in my mom's home (dad is deceased) and she lives in a retirement community. Mom asked us to lilve there at a reduced rent so she didnt have to sell and since it seemed like a good deal, we agreed. We pay $1000 plus utilities, house insurance and I pa...
by runner3081
Sun Jun 23, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Premium vs Big Box outdoor furniture
Replies: 8
Views: 844

Re: Premium vs Big Box outdoor furniture

I prefer to buy the nice stuff, gently used for inexpensive prices on Craigslist/FB/LG, etc.
by runner3081
Sun Jun 23, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: roofer randomly showing up to home
Replies: 28
Views: 860

Re: roofer randomly showing up to home

Very common with contractors.
by runner3081
Sat Jun 22, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7506

Re: How do you approach tipping at carry-out restaurants

Ahh, I see we are cycling through "tipping" posts again. Take out = zero tip. Tipping Debate = Debate #11 (#1 international allocation debate; #2 mortgage payoff debate; #3 lump sum investment timing debate; #4 how many square feet of living space do I need debate; and so on). Could be robo respons...
by runner3081
Sat Jun 22, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7506

Re: How do you approach tipping at carry-out restaurants

Stinky wrote:
Sat Jun 22, 2019 6:50 pm
runner3081 wrote:
Sat Jun 22, 2019 2:42 pm
Ahh, I see we are cycling through "tipping" posts again.
There are new Bogleheads all the time. Therefore, the common posts need repetition - tip or not, international equities or none, stocks are soaring or in free fall, etc. :happy
I am not sure they need repetition. Searches are handy.
by runner3081
Sat Jun 22, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7506

Re: How do you approach tipping at carry-out restaurants

Ahh, I see we are cycling through "tipping" posts again.

Take out = zero tip.
by runner3081
Fri Jun 21, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 15825

Re: what was your worst major purchase mine is a 2019 mazda3

1) The money spent updating a house and a condo we stayed in for less than 5-years and never recouped. Thanks HGTV.
2) 1998 BMW M3 with a ton of miles. It was fun... but it was also expensive to keep on the road.
by runner3081
Thu Jun 20, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Those with mortgages with PSECU
Replies: 1
Views: 186

Re: Those with mortgages with PSECU

This could be a mess. Can you push the start date out to the day after closing?
by runner3081
Wed Jun 19, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: Recommend toaster
Replies: 27
Views: 1769

Re: Recommend toaster

Have you considered ditching the toaster and going with something like an infra-red toaster oven?
by runner3081
Wed Jun 19, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: ? about Leap Frog for three year old
Replies: 4
Views: 468

Re: ? about Leap Frog for three year old

You can buy rechargeable battery packs that never need to be removed and charge with an AC adapter while in the Leap Frog.
by runner3081
Wed Jun 19, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: How to take care of this mold in the bathroom
Replies: 8
Views: 1126

Re: How to take care of this mold in the bathroom

FI4LIFE wrote:
Wed Jun 19, 2019 8:00 am
Make sure the moulding is wood or PVC (not particle board/mdf).
Yeah, MDF baseboard is just a sponge.

Good advice above.

We had a drain leak in the wall, the MDF just soaked up the water and was moldy about 6-feet out on both sides. Added a fair amount of drywall work.
by runner3081
Wed Jun 19, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: Prius vs Prius Prime (plug-in)
Replies: 78
Views: 4532

Re: Low Prius Inventory-change strategy?

Jack FFR1846 wrote:
Wed Jun 19, 2019 8:59 am
Could be your area. I did a very quick search of dealers within 10 miles of me and found 20 new Prius cars.
Autotrader has 143 new within 50 miles of me.
by runner3081
Wed Jun 19, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Prius vs Prius Prime (plug-in)
Replies: 78
Views: 4532

Re: Low Prius Inventory-change strategy?

For what it's worth, I own a Prius and would not buy another one. After 4 years of ownership I'm tired of the stigma. I'm tired of getting coal rolled, cut off, tailgated, and people speeding up when I try to pass because their ego won't let them be passed by a "slow car". I know it's the car and n...