Search found 1395 matches

by runner3081
Tue Jul 17, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Assessment
Replies: 9
Views: 743

Re: Personal Finance Assessment

Google Sheets.

Simple Net Worth statement, I update monthly.
by runner3081
Tue Jul 17, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement
Replies: 42
Views: 3088

Re: New Vanguard Security Code Requirement

This is pretty old news, they have been nagging about this at login for quite some time.
by runner3081
Tue Jul 17, 2018 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Planning for housing
Replies: 3
Views: 294

Re: Planning for housing

krishnam wrote:
Tue Jul 17, 2018 11:07 am
It appears that a 20% down payment is the suggested minimum for obtaining good interest rates.
More about affordability and not having PMI, not interest rates.
by runner3081
Tue Jul 17, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 85
Views: 8670

Re: Amazon Prime Day 2018

Psyayeayeduck wrote:
Tue Jul 17, 2018 6:27 am
I just want to remind everyone that just because something is on "sale" doesn't mean you are obligated to buy if you never needed it in the first place. Carry on.
I spent $20 on myself, the other 5 items are to re-sell or gift :)
by runner3081
Mon Jul 16, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 137
Views: 8495

Re: Why own a bed?

So in Arizona there are scorpions inside the house? That would scare me from living there or even visiting. Depends on where you are at. We live in the NE valley and are surrounded by desert, yes, all houses in our neighborhood have scorpions inside. I would imagine that places with less desert (do...
by runner3081
Mon Jul 16, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 68
Views: 4187

Re: Families - What's your total annual credit card spend?

Not much, 100% of expenses except the mortgage. About $28k per year.

Family of 3.
by runner3081
Mon Jul 16, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 85
Views: 8670

Re: Amazon Prime Day 2018

I bought 5x (the max) of the Kindle Fire 7" tablet for $9.99 each using the Prime Deal and $.01 of Citi Thank You Points. Also bought an 8" Kindle Fire tablet for $19.99 with the same method. Missed out on the 10", however. I see a Prime Deal Fire 7" tablet available for $19.99. I guess you use Cit...
by runner3081
Mon Jul 16, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 85
Views: 8670

Re: Amazon Prime Day 2018

I bought 5x (the max) of the Kindle Fire 7" tablet for $9.99 each using the Prime Deal and $.01 of Citi Thank You Points.

Also bought an 8" Kindle Fire tablet for $19.99 with the same method.

Missed out on the 10", however.
by runner3081
Mon Jul 16, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 137
Views: 8495

Re: Why own a bed?

So in Arizona there are scorpions inside the house? That would scare me from living there or even visiting. Depends on where you are at. We live in the NE valley and are surrounded by desert, yes, all houses in our neighborhood have scorpions inside. I would imagine that places with less desert (do...
by runner3081
Mon Jul 16, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 137
Views: 8495

Re: Why own a bed?

If you live in the southwest there is the whole scorpion issue. I have never lived in AZ, but a co-worker did tell me about how even if you have an exterminator, there are still risks. Which is why they don't have bed skirts. Was just going to post this. Can't sleep on the floor in AZ due to scorpi...
by runner3081
Sun Jul 15, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 102
Views: 5275

Re: Anyone not have a Budget?

Not really a budget, but yearly targets and tracking of all spending. This allows us to put as much as we can into investment accounts.
by runner3081
Sun Jul 15, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: Did I get ripoff by this car mechanic?
Replies: 36
Views: 3265

Re: Did I get ripoff by this car mechanic?

How many hours of labor? I was trying to see the hourly rate, but not enough information listed.

This does appear to be a CRV (based on part numbers), parts costs seem somewhat reasonable (whether or not they were needing replacement is another story that I can not answer).
by runner3081
Sun Jul 15, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 49
Views: 4854

Re: Where to get a $100 bill?

I have seen a number of Wells Fargo ATM's that distribute $100's. They usually have it on the front (at least the ones I have seen).

With Ally, there will be no fee to you for using a WF ATM.
by runner3081
Sun Jul 15, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 46
Views: 2825

Re: How much furniture spending is ok?

I am the wrong person to ask. Furniture is about buying something used that will last at the lowest possible cost. My wife and I don't entertain and have a 6-year old.

No use buying anything nice (not that we ever would).
by runner3081
Sun Jul 15, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 65
Views: 3642

Re: Are Credit Cards Actually Convenient?

Over the past 5-years, my card has been declined 3 times. Each of those was at a gas station while traveling and more than one fill-up per day. However, it took about 10 seconds. Card was declined at the pump, grabbed my phone, found the email they send and selected the option to verify the charge. ...
by runner3081
Sun Jul 15, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: How often do you buy a primary residence?
Replies: 46
Views: 3714

Re: How often do you buy a primary residence?

Our views on the subject have changed as we have gotten older. Initially, it was all about getting in, fixing up, selling for a profit and then moving up. Now? A house just doesn't mean that to us anymore. In fact, what we have now is too big, haha. First Purchase - Lived there one year (Condo) - Th...
by runner3081
Sun Jul 15, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: The Credit Card Song (1974)
Replies: 2
Views: 454

Re: The Credit Card Song (1974)

This was a great Saturday Night Live Skit about debt:

https://www.nbc.com/saturday-night-live ... uff/n12020
by runner3081
Sat Jul 14, 2018 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: BH , please help make an argument for after-tax contributions
Replies: 4
Views: 484

Re: BH , please help make an argument for after-tax contributions

are there other things that plan can do to limit/remove/reduce the tests involved under ERISA? Change to a Safe Harbor plan. Problem solved. A large portion of the country lives paycheck-to-paycheck. Trying to get them to contribute anything, regardless of tax treatment, is a losing battle. ...of c...
by runner3081
Sat Jul 14, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Major purchases - now or later?
Replies: 13
Views: 1442

Re: Major purchases - now or later?

If you can afford the items, who cares when or the order you spend the money.
by runner3081
Sat Jul 14, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Pay to be in school district or move?
Replies: 20
Views: 1026

Re: Pay to be in school district or move?

Food for thought: studies have consistently shown that moving a child from a "poor/low rated" school district to high rated school district had little to no effect on student achievement, test scores, or outcomes of said student. Students in "high rated" school districts have one thing in common......
by runner3081
Thu Jul 12, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Someone is using my cellphone number
Replies: 21
Views: 2773

Re: Someone is using my cellphone number

student wrote:
Thu Jul 12, 2018 9:21 pm
I hope this is not fraud. What can I do to protect myself? Any suggestions that you think maybe helpful?
Relax. It is not worth the extra worry you are giving yourself.
by runner3081
Thu Jul 12, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Ins. Claim: How do you decide whether to file a claim or pay out of pocket?
Replies: 17
Views: 1085

Re: Auto Ins. Claim: How do you decide whether to file a claim or pay out of pocket?

I would always get the insurance company involved if there is a third party involved. Are you including the situation where you come back to your parked car and discover that somebody backed into the fender and left a small dent? If this happened to me, and the repair cost was less than $1000, ther...
by runner3081
Thu Jul 12, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 51
Views: 5511

Re: Costco Membership

This seems like a pretty simply calculation. Would you save more than $65 (or whatever their current rate is) at Costco compared to competitors each year?

If so, do it. If no, don't do it.
by runner3081
Wed Jul 11, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Living above means until March 1st
Replies: 16
Views: 2068

Re: Living above means until March 1st

Keepcalm wrote:
Wed Jul 11, 2018 3:26 pm
Has anyone ever been in this situation?
Thanks.
Over 50% of America.
by runner3081
Wed Jul 11, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Trade War: time for Mac Upgrade?
Replies: 34
Views: 2895

Re: Trade War: time for Mac Upgrade?

If you want to upgrade, do it when you are ready to. If you want to come up with an excuse to upgrade due to the trade war (it is not a good one). Wait until you need a new one, which seems to be now if it is truly starting to "act up".
by runner3081
Wed Jul 11, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5348

Re: Anyone take naps at work?

I do it occasionally during the winter in my car when I am exhausted. It is done during a lunch break (that is usually the only time I take a "break" as they don't happen 99.9% of the time). It would definitely be frowned upon, but I park on the fringes of the lot. Truthfully, wish I could do it mor...
by runner3081
Wed Jul 11, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2624

Re: How to plan for health insurance at a young age?

Broken Man 1999 wrote:
Wed Jul 11, 2018 11:33 am
Still, I think health care cost and delivery might be very different than the current model we have.
Agreed. By then, health care could be six figures per year, or free. Who knows.
by runner3081
Wed Jul 11, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Compensation
Replies: 21
Views: 3533

Re: Compensation

The reality is that if you have been with your employer for quite some time, there is a chance you are not fairly compensated and could be worth more on the open market.

The biggest jump in salaries typically come from changing companies, though not always true.
by runner3081
Wed Jul 11, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: Disappointed with Fidelity's Online Interface
Replies: 19
Views: 1542

Re: Disappointed with Fidelity's Online Interface

I always dislike web changes, but eventually get used to them.
by runner3081
Mon Jul 09, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Prepaid cell phone plan vs Regular Contract Plan
Replies: 26
Views: 2086

Re: Prepaid cell phone plan vs Regular Contract Plan

Hi, I am with ATT and have just one line. I pay around 55 bucks for unlimited talk, text and 2GB of data plan. I was surfing around and Tmobile is offering Prepaid plan with Unlimited Talk, text and 5GB of data plan for 30 dollars + tax. Seems enticing. Does prepaid plan have any issues or hidden c...
by runner3081
Mon Jul 09, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 5189

Re: Should I take a $60k paycut to work 4days/week

You mention combined salary. What is your salary alone? Does this 60k represent more than a 20% cut? If so, I would not do it. However, if it was 20% or less, I would definitely think about it. With that said, if you want to retire early, this may not be the best route to take at the moment. Maybe i...
by runner3081
Mon Jul 09, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Beach Chair Recommendations
Replies: 6
Views: 672

Re: Beach Chair Recommendations

Agreed. Tommy Bahama seems to have the ones that are the best. They work as backpacks as well for easy transport. We are actually visiting the beach at the moment and about 80% of the chairs are Tommy Bahama :) We have had a couple that we bought used. Other than the straps (for the backpack feature...
by runner3081
Sun Jul 08, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5355

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

Work is being done at a Honda dealer. Because you did this, I can guarantee you are getting "hosed". Find an independent shop. This is a stupid way of thinking. A lot of times the dealer charges less for oil changes just to get people in the door. I spent about $40 for oil and filter for my girlfri...
by runner3081
Sun Jul 08, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Used Honda - How to confirm it was serviced on time?
Replies: 18
Views: 1196

Re: Used Honda - How to confirm it was serviced on time?

As others have said, you can visually look at many things. However, I always ask for receipts and if they can't produce this is another factor in my decision making process and price negotiation.
by runner3081
Sun Jul 08, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5355

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

Work is being done at a Honda dealer. Because you did this, I can guarantee you are getting "hosed". Find an independent shop. This is a stupid way of thinking. A lot of times the dealer charges less for oil changes just to get people in the door. I spent about $40 for oil and filter for my girlfri...
by runner3081
Sun Jul 08, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5355

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

Work is being done at a Honda dealer. Because you did this, I can guarantee you are getting "hosed". Find an independent shop. This is a stupid way of thinking. A lot of times the dealer charges less for oil changes just to get people in the door. I spent about $40 for oil and filter for my girlfri...
by runner3081
Sat Jul 07, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 3981

Re: Tipping in a hotel room/cruise ship room

Some businesses have a no-tip-reimbursement policy, and the only way to get reimbursed would be fraudulent. So I think your old boss would be walking a fine line there. Maybe that's why he's no longer your boss. I’m not sure I’d want to work for a company with such a policy. Tipping is a perfectly ...
by runner3081
Sat Jul 07, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 245
Views: 49188

Re: That Extravagant Thing You Do

Car repairs/maintenance on an older car, haha.

In all seriousness, the vacation we are on now. Block from the beach for a week. Even then, total cost is less than 1.4K for the week, all in. Outside of a yearly vacation, there is nothing extravagant we spend money on.
by runner3081
Sat Jul 07, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5355

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

DarkHelmetII wrote:
Sat Jul 07, 2018 8:28 am
Work is being done at a Honda dealer.
Because you did this, I can guarantee you are getting "hosed". Find an independent shop.
by runner3081
Fri Jul 06, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: Replacing only 2 tires out of 4?
Replies: 18
Views: 1377

Re: Replacing only 2 tires out of 4?

I’ve always heard if you trade in a car and all four tires don’t match, it hurts you on the value of the trade. I guess the reasoning is they figure that if the cost of the tires was “short cut “ then perhaps other maintenance has been short cut as well. Perhaps others here know how true this is......
by runner3081
Fri Jul 06, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: 10 years to lose wealth applicable to bogleheads ?
Replies: 32
Views: 3710

Re: 10 years to lose wealth applicable to bogleheads ?

annielouise wrote:
Fri Jul 06, 2018 8:08 am
Never been a 1%er, never will be a 1%er. Never aspired to be either. So, no, that will never apply to us.
+1

Same for us.
by runner3081
Thu Jul 05, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off my car or trade in on new?
Replies: 36
Views: 1716

Re: Pay off my car or trade in on new?

I enjoy fun cars as well, but living in LA there's not much point to have a fun commuter. Driving a slow car fast > driving a fast car slow. +1000 Thats why I don't bother with newer cars for my fun car...my M3 is a 98 and is a blast to drive because you can push it to its limits in the canyons wit...
by runner3081
Thu Jul 05, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off my car or trade in on new?
Replies: 36
Views: 1716

Re: Pay off my car or trade in on new?

ssquared87 wrote:
Thu Jul 05, 2018 1:05 pm
I enjoy fun cars as well, but living in LA there's not much point to have a fun commuter.
Driving a slow car fast > driving a fast car slow.
by runner3081
Thu Jul 05, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off my car or trade in on new?
Replies: 36
Views: 1716

Re: Pay off my car or trade in on new?

Having a less flashy car would make others judge me less though. I think you may be overestimating just how much people care what vehicle you drive. Besides, you don't own it, the bank does. Thanks. It's crazy to think, but at my office I get comments from people all the time. They can go out and b...
by runner3081
Thu Jul 05, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 8934

Re: What time do you get up in the morning?

4:45am 7-days a week, hardly ever make it to the alarm.

4-days a week, I run at that time. The other days, catch up on emails, hit the grocery store, Walmart, etc.

Weekdays, out the door for work by 6:30.
by runner3081
Thu Jul 05, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Can't participate in 401k for 1 year
Replies: 33
Views: 2425

Re: Can't participate in 401k for 1 year

FYI - The one year rule is not uncommon. That usually signifies a "safe harbor" plan. I'm struggling with the connection between the two. The safe harbor plan (at least one version of it), ensures "fairness" across different earnings levels by either matching a certain percentage of your contributi...
by runner3081
Thu Jul 05, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Pay off my car or trade in on new?
Replies: 36
Views: 1716

Re: Pay off my car or trade in on new?

malibuboats91 wrote:
Thu Jul 05, 2018 8:55 am
Having a less flashy car would make others judge me less though.
I think you may be overestimating just how much people care what vehicle you drive. Besides, you don't own it, the bank does.