Search found 1671 matches

by runner3081
Mon Nov 19, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: If you have an Amazon Echo and want another one...
Replies: 5
Views: 748

Re: If you have an Amazon Echo and want another one...

Also, if you are more of a Google person, you can get a Google Mini for $.99. And, too bad for those who missed the $1 Echo Dot the other day with a trial of Amazon Music. Do you have a link for the mini? All I see is $25 update: the spotify family plan offer? but that's $14.99/ month for at least ...
by runner3081
Mon Nov 19, 2018 6:59 am
Forum: Personal Consumer Issues
Topic: If you have an Amazon Echo and want another one...
Replies: 5
Views: 748

Re: If you have an Amazon Echo and want another one...

Also, if you are more of a Google person, you can get a Google Mini for $.99.

And, too bad for those who missed the $1 Echo Dot the other day with a trial of Amazon Music.
by runner3081
Sun Nov 18, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Buying Google Home Minis on Ebays
Replies: 6
Views: 541

Re: Buying Google Home Minis on Ebays

Possibly legit, possible fraudulent codes.

I would never buy that on eBay.
by runner3081
Sun Nov 18, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property Mortgage Pay-Off -- Liability
Replies: 2
Views: 329

Re: Rental Property Mortgage Pay-Off -- Liability

That doesn't seem to make any sense. Liability is with you, the homeowner, not the lender.
by runner3081
Sun Nov 18, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 41
Views: 3746

Re: Black Friday 2018

Not a single thing. the older we get, the more we cut back on "things." We have a general rule - if you buy one thing you have to give away/throw away/recycle at least two things. Agreed. We have cut down on purchases over the last few years. Helps keep clutter in check and also is amazing on the p...
by runner3081
Sun Nov 18, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 41
Views: 3746

Re: Black Friday 2018

Not a single thing.
by runner3081
Sat Nov 17, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Newbie
Replies: 3
Views: 350

Re: HSA Newbie

I would do option #2 and avoid the hassle and fees of two accounts.

Yes, you can fully fund 1/1/19.
by runner3081
Sat Nov 17, 2018 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Northpointe Bank Website - legit?
Replies: 6
Views: 651

Re: Northpointe Bank Website - legit?

As long as the HTTPS is there for you, you are set. Untruth. If the "banking technology provider" is itself compromised or poorly implemented, then there's nothing protecting you. Fiserv, the banking technology provider/core bank processor (whatever you call it) running Northpointe Bank's website a...
by runner3081
Sat Nov 17, 2018 4:07 am
Forum: Investing - Help with Personal Investments
Topic: Northpointe Bank Website - legit?
Replies: 6
Views: 651

Re: Northpointe Bank Website - legit?

Yes, the site it points is essentially an online banking platform that the bank has purchased to use for access. They have essentially outsourced their online technology. https://www.fedfis.com For me, we have an Elements CU HSA account. When you login it redirects to a "https://login.pilothsa.com/"...
by runner3081
Fri Nov 16, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 53
Views: 3443

Re: Home sale etiquette: wall repair

You leave the holes in the wall, and don't patch them. You leave the house "broom clean". Same here, this seems to be the expectation in the five transactions we have done. Of course, we really don't put much on the walls (minimalist). However, we have left nails or screws in, rather than removing ...
by runner3081
Wed Nov 14, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Mercedes-Benz E350 4 matic. What years to look for?
Replies: 2
Views: 552

Re: Mercedes-Benz E350 4 matic. What years to look for?

Better off posting in the Mercedes forum.
by runner3081
Wed Nov 14, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance Claim-Experiences?
Replies: 14
Views: 985

Re: Homeowners Insurance Claim-Experiences?

This post could be very informative to folks who ask, "Should I sell my house or rent it" Or, should I buy or keep renting :) One data point from our neighbor, massive rains in AZ in October. Insurance company ruled that roof damage causing leak was from wind. Here we are, nearly 7-weeks out and sh...
by runner3081
Wed Nov 14, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 21
Views: 2103

Re: 2019 Subaru Forester Vs. 2019 Rav 4

Currently have a 2011 Ford Fusion with 82,000 miles. This is a high mileage car for us, usually keeping a car around five years due to my husband not wanting to deal with car repairs. .... Want to try to keep our next vehicle for 10 years or more. This part doesn't make sense. Probably better to pl...
by runner3081
Wed Nov 14, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Is there an online checking account that can do these three things?
Replies: 19
Views: 1182

Re: Is there an online checking account that can do these three things?

Is the cash deposit option really that important? I would think the money order method suggested sounds better than choosing from a narrow selection of banks who meet these three criteria. Or just open a *Enter large bank here* account with local branches, keep the minimum to avoid fees and deposit...
by runner3081
Wed Nov 14, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: Opportunity Cost or Loss.
Replies: 8
Views: 580

Re: Opportunity Cost or Loss.

I wonder whether one is able to calculate the money lost by remaining in this downturn by not investing in alternative investments with the money lost by not exiting. I am thinking of fixed income investments. Yeah, sure, in a vacuum this sounds nice. But it gets back to the fundamental question of...
by runner3081
Tue Nov 13, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 42
Views: 2532

Re: Garmins & Fitbits: Worth it for non-athletes?

My old LG G Watch is worth its weight in gold, but not for the reason you think.

At work, we have security protocols on our phones. The smartwatch allows me to unlock my phone with a swipe, while in connectivity range. Otherwise, I would have to enter a 6-digit pin every time I wanted to unlock it.
by runner3081
Tue Nov 13, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Return on CC that I actually did not return??
Replies: 6
Views: 622

Re: Return on CC that I actually did not return??

I would just wait a few weeks. A new charge may appear.
by runner3081
Mon Nov 12, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 3957

Re: Feeling uneasy about recent splurge

Funny to see people with money have shocking levels of regret after small purchases.

With that said, there is no way I would EVER spend anywhere $1k on a mattress :)
by runner3081
Mon Nov 12, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Would you invest CC cashback into market??
Replies: 32
Views: 1525

Re: Would you invest CC cashback into market??

I would absolutely not bank anything over a few hundred. Keep in mind that the account could be closed at anytime and if so, you would lose your points.
by runner3081
Mon Nov 12, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Running in the cold rain
Replies: 12
Views: 1358

Re: Running in the cold rain

I haven't had to run in the rain more than 2-3 times in the last 6 years (after moving from Seattle to AZ). However, when I did run in the rain, I made sure to keep a couple of pairs of shoes specifically for the rain. Once they get waterlogged, they never felt right again. Outside of that, I would ...
by runner3081
Mon Nov 12, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance- When is it necessary?
Replies: 15
Views: 1176

Re: Flood Insurance- When is it necessary?

We were recently pulled out of a flood plain. Insurance is no longer required for mortgage holders. However, we are keeping the coverage. It is so cheap, not even something I had to consider at $277 per year. Will we flood, probably not. Will a 1K year storm come, probably not. If they do, we will a...
by runner3081
Sun Nov 11, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 199
Views: 24485

Re: Habits of the Rich

Learn to have a thick skin and don't care what others think. Small house, ugly car, generic food, 32" TV, etc, etc. Who cares!

Don't think that buying garbage will make you feel any better.
by runner3081
Sat Nov 10, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Apple - Old Product Boxes - Keep or Dispose?
Replies: 20
Views: 2424

Re: Apple - Old Product Boxes - Keep or Dispose?

Sell them on eBay. Seriously. Look at sold listings, you would be amazed on some of the prices. I see the imac boxes are selling (actually sold, not just listed) for decent money on there. $30-40+. Though it looks like the iphone and ipad boxes are mostly selling for $10 or less including free ship...
by runner3081
Fri Nov 09, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Apple - Old Product Boxes - Keep or Dispose?
Replies: 20
Views: 2424

Re: Apple - Old Product Boxes - Keep or Dispose?

Sell them on eBay. Seriously.

Look at sold listings, you would be amazed on some of the prices.
by runner3081
Fri Nov 09, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 25
Views: 2533

Re: Finally cutting cable -- is 40mbps enough for streaming services?

LiterallyIronic wrote:
Fri Nov 09, 2018 4:51 pm
My wife would frequently stream Netflix (one stream, standard definition) while I was playing an online video game and neither of us had any issues, at 5Mbps. We also were able to stream YouTube TV (free trial) at 5Mbps without any problem, either.
Same here, zero issues with 5mbps.
by runner3081
Fri Nov 09, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Should I reject Google drive for privacy/tracking?
Replies: 38
Views: 3012

Re: Should I reject Google drive for privacy/tracking?

All of our data is on Google Drive and Dropbox. What is important, I encrypt. The other stuff, is in standard formatting. I am okay with the "deal" I am making. Free storage/email/etc for privacy loss. Hi, thanks. Can you explain your setup a little bit? Like how and what do you use to encrypt? Wha...
by runner3081
Fri Nov 09, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Help. They are removing index funds.
Replies: 56
Views: 4012

Re: 401k Removed Index Funds

What I would do is to explain that while American funds is an excellent fund family and you appreciate having access to a 401k that you would like to have access to a few index funds because that is your investing philosophy. I would not make this a conversation about your wife, that would be a wro...
by runner3081
Fri Nov 09, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Should I reject Google drive for privacy/tracking?
Replies: 38
Views: 3012

Re: Should I reject Google drive for privacy/tracking?

All of our data is on Google Drive and Dropbox. What is important, I encrypt. The other stuff, is in standard formatting. I am okay with the "deal" I am making. Free storage/email/etc for privacy loss. Hi, thanks. Can you explain your setup a little bit? Like how and what do you use to encrypt? Wha...
by runner3081
Fri Nov 09, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Should I reject Google drive for privacy/tracking?
Replies: 38
Views: 3012

Re: Should I reject Google drive for privacy/tracking?

All of our data is on Google Drive and Dropbox. What is important, I encrypt. The other stuff, is in standard formatting.

I am okay with the "deal" I am making. Free storage/email/etc for privacy loss.
by runner3081
Thu Nov 08, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10509

Re: Favorite "free stuff"?

Cell phone service, boxes and bubble wrap.
by runner3081
Wed Nov 07, 2018 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4616

Re: How to deposit cash in online account with no local branch

in addition to all my online accounts, i have a local bank. just deposit there and transfer. +1 I have a Chase bank account for this reason. Just keep the min $1,500 for no fees. Also good to have for notary. You only need $300 in a Chase savings account with no fees. Thanks, didn't know that. My a...
by runner3081
Wed Nov 07, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Double-check your contributions to tax-advantaged accounts this time of year
Replies: 15
Views: 1722

Re: Double-check your contributions to tax-advantaged accounts this time of year

This is a friendly reminder that it may be a good time of year to double-check your contributions to tax-advantaged accounts to make sure you will contribute as much to them as you desire. For instance, I need to adjust my HSA contributions because the contribution limit changed after I last adjust...
by runner3081
Wed Nov 07, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4616

Re: How to deposit cash in online account with no local branch

Soon2BXProgrammer wrote:
Wed Nov 07, 2018 4:11 pm
in addition to all my online accounts, i have a local bank. just deposit there and transfer.
+1

I have a Chase bank account for this reason. Just keep the min $1,500 for no fees. Also good to have for notary.
by runner3081
Wed Nov 07, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: How much to donate to local police and fire department?
Replies: 23
Views: 1778

Re: How much to donate to local police and fire department?

Right or wrong, I provide through property taxes. At no point would I donate additional funds. There are so many better causes out there. Too many kids out there starving and dying.
by runner3081
Wed Nov 07, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 46
Views: 4396

Re: How much money did you receive from family? (Gifts/inheritance)

All parents are alive right now, but I am well aware of their financial situations. My wife's parents did not pay any of her college, while mine paid tuition for 4-years (2 at a CC, 2 at a local university). I even paid cash for my first car. A lovely Dodge Aries for $650 :) When they do eventually ...
by runner3081
Tue Nov 06, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: personalized feed for only pre-selected consumer goods discounted, RSS?
Replies: 3
Views: 913

Re: personalized feed for only pre-selected consumer goods discounted, RSS?

Closest thing may be to set up "Deal Alerts" at slickdeals.net.

Works for me.
by runner3081
Tue Nov 06, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7444

Re: Never thought of living in Bay Area but just got a call from Tesla

Usually home by 5:40 each night. The COL is what it is -- but the above, assuming you want to keep that work/life balance, is why I would stay far away. No kids. Wife with health issues. Not sure severity of her issues and impact on life expectancy, but you should not do this and spend more time (o...
by runner3081
Tue Nov 06, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3575

Re: Paper or Paperless? How and what financial records do you keep?

I am on the minimalist side and only keep the following: 1) Tax Returns - Tax return document only, forever. Supporting documentation, 7 years. All Electronically. 2) Healthcare expenses - Paper and electronic (duplicated). Using HSA as retirement/emergency fund. 3) Receipts for larger purchases - E...
by runner3081
Sat Nov 03, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1771

Re: Credit card Surcharges

Just had our roof done. Check/Cash - No fee. Credit card = 4%.
by runner3081
Fri Nov 02, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: selling overseas on ebay
Replies: 8
Views: 665

Re: selling overseas on ebay

I sell international at least a few times a month. I will only go through eBay's Global Shipping Program (GSP). Yes, it does cost the buyer a bit more in shipping, but protects the seller and provides tracking the entire time. Once you send the package to a ware house in Kentucky, you are not liable...
by runner3081
Fri Nov 02, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Rewards - Do you move the cash out of Fido?
Replies: 47
Views: 3453

Re: Fidelity Visa Rewards - Do you move the cash out of Fido?

Yes, pulled out to our bank account then invested in ETF's in our Vanguard account, post-taxable funds.
by runner3081
Wed Oct 31, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Is an MBA worth it these days?
Replies: 53
Views: 6312

Re: Is an MBA worth it these days?

Depends on where you work/industry. For me, yes, absolutely critical (MBA or MHA). It is fully expected of those in my position level and higher.

This is in healthcare.

As far as value to me and my skills or knowledge? Nothing, really.
by runner3081
Wed Oct 31, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership
Replies: 29
Views: 1936

Re: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership

I was on my local Jeep dealers website this morning, and an offer popped up for a free $50 visa prepaid card just for showing up and taking a test drive with one of their new Ram trucks. Is it worth the hassle of working with the dealership salesmen to get the $50? Do you think its possible to be i...
by runner3081
Tue Oct 30, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3538

Re: The most you ever paid for a prescription

$57 for a 3-month supply.
by runner3081
Tue Oct 30, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Scottsdale Arizona is there heartworm disease?
Replies: 5
Views: 857

Re: Scottsdale Arizona is there heartworm disease?

It is rampant here. Ok, ok, I kid. Just trying to decrease the number of snowbirds. But hey, if you drive faster than 25 in a 45 in the left lane, come on down :) With all that said, I haven't heard of it as an issue. Though we only have cats, nearly everyone has a dog here. Neither cat has had an i...
by runner3081
Tue Oct 30, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: Who's Buying General Electric?
Replies: 39
Views: 4582

Re: Who's Buying General Electric?

I am sure they are included somewhere in one of the indexes I purchase.
by runner3081
Mon Oct 29, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: salary expectation question
Replies: 10
Views: 1693

Re: salary expectation question

I know how much my salary was in 2013. Since then I have worked contract. I also have a salary range sheet from Lockheed Martin for 2011, 2012, 2013, 2014. The salary increase is 3.5% per year. I have an in-person interview coming up. The person in the job currently is actually working contract, an...