Search found 644 matches

by runner3081
Sun Oct 22, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Most economical way to ship clothing?
Replies: 6
Views: 265

Re: Most economical way to ship clothing?

FedEx Smartpost. Slow, but almost always the cheapest.

It really depends on how far away she is. If only 1-2 states away, Priority Mail will probably the cheapest. Further distances, FedEx SmartPost is the way to go.

Someone mentioned UPS earlier. They are almost always the most expensive carrier.
by runner3081
Sun Oct 22, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Bought the new car, old car has issues driving off lot
Replies: 13
Views: 961

Re: Bought the new car, old car has issues driving off lot

More clarification is needed. What are the "electrical issues".

It is 5-years old, original battery? Sometimes things can go haywire with bad batteries or alternators.

I am not sure I see the logic on the dealer doing something like this, but I guess crazier things have happened.
by runner3081
Sat Oct 21, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 37
Views: 1806

Re: how often to upgrade phone?

One thing to remember, this example may (though I am not buying their estimates) hold true for Apple phones, but not Android. If you have Android phones, the resale is significantly lower. I used to be in the boat of upgrading every 1-2 years, but now, it is all about buying a mid-level $125 Android...
by runner3081
Sat Oct 21, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 46
Views: 2149

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

I've owned an RX7, M3 and RS4. All were weekend cars. I enjoyed them all. I sold the M3 last year. I love toy cars, but I'm not sure I will go back down that road anytime soon for various reasons. If I did decided to go that path again I would consider a GTR or maybe a Porsche 911 Turbo like you ha...
by runner3081
Sat Oct 21, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Groupon dilemma
Replies: 4
Views: 494

Re: Groupon dilemma

However, here is a potentially HUGE catch: The card has no expiration date, but after 24 months of card inactivity, a $1.50 per month service fee will be deducted from the card's balance until depleted, except where prohibited or restricted by law. Inactivity fees are charged based on the state in ...
by runner3081
Sat Oct 21, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Groupon dilemma
Replies: 4
Views: 494

Re: Groupon dilemma

I received an "invite only" offer from Groupon for a $20 Steak n Shake gift card, cost $10. Now, that's a great deal if you patronize the place. I don't go there often, the last time was some years back. However, with retirement looming I plan to be out and about more, so a chance that I'd want to ...
by runner3081
Fri Oct 20, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Help selling scion xa
Replies: 44
Views: 3064

Re: Help selling scion xa

Overall my craigslist experience was pretty excellent. People were mostly reasonable. The guy who bought my car didn't even try to bargain. I almost felt kind of bad. Followed the basics. Met at public place. Got a feel for buyer. Went for a test drive together each time except for once. The one ti...
by runner3081
Fri Oct 20, 2017 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investment Strategy
Replies: 20
Views: 1528

Re: Emergency Fund Investment Strategy

Evaluate how much you actually need in an emergency fund. Assuming you want 6 or so months, your current fund covers over $16k in expenses per month. It is likely that your balance is higher than it should be.
by runner3081
Fri Oct 20, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Mercedes Benz E300 Navigation System
Replies: 35
Views: 1350

Re: Mercedes Benz E300 Navigation System

Vehicle based Nav systems are never worth it. With the movement of technology they will be outdated rather quickly. Get a tablet with a cheap data package and use that.
by runner3081
Thu Oct 19, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: New Business Entity Decision - Potential Tax Reform Effects?
Replies: 3
Views: 248

Re: New Business Entity Decision - Potential Tax Reform Effects?

Hello! My wife is a registered nurse practitioner in Florida and she plans to start a business providing surgical first assist services in the operating room. At least initially, she will be working solo without any partners or employees, and she will be contracting for another firm and compensated...
by runner3081
Thu Oct 19, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Question about Personal Capital
Replies: 18
Views: 1434

Re: Question about Personal Capital

I gave them my Google Voice number and blocked them after they called the first time.
by runner3081
Thu Oct 19, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: receiving 'used' items from Ebay purchase....frustrating
Replies: 22
Views: 2136

Re: receiving 'used' items from Ebay purchase....frustrating

Heck, I have bought stuff at Walmart, Lowe's and Home Depot that I got home and saw was used. It happens. But at least you can look at it at the store, and simply run by the store to return it w/out hassle. if a seller contests you on Ebay its a hassle, especially if its a substantial amount of $$ ...
by runner3081
Wed Oct 18, 2017 11:04 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 21
Views: 1732

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

We have been happy with ELFCU and TD Ameritrade. No maintenance fees with a 2.5K cash balance and can trade anything above 2.5K. There is a fee to transfer money to TD Ameritrade for investing though. Sure, losing VG funds is unfortunate, but there are plenty of fairly equivalent alternatives still ...
by runner3081
Wed Oct 18, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: receiving 'used' items from Ebay purchase....frustrating
Replies: 22
Views: 2136

Re: receiving 'used' items from Ebay purchase....frustrating

This is unfortunate, but there is zero way to lose your money as a buyer on eBay. The vast majority of sellers on eBay are honest, but yeah, there are shady ones. There are also honest ones who don't know what to look for. It is pretty simple, really. File a not as described claim. If they don't ref...
by runner3081
Wed Oct 18, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 333
Views: 17743

Re: TD Ameritrade dropping Vanguard from commission-free ETFs

Looks like the SPDR Funds are the best at matching Vanguard indexing... VTI --> SPTM BND --> SPAB VEU --> SPDW They all technically beat Vanguard expense ratios too. Have my HSA there with a tiny amount, $20K. Ended up doing this today: BND to SPAB VTI to SPTM VBR to SPSM The only VG fund I didn't ...
by runner3081
Tue Oct 17, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 333
Views: 17743

Re: TD Ameritrade dropping Vanguard from commission-free ETFs

Looks like the SPDR Funds are the best at matching Vanguard indexing... VTI --> SPTM BND --> SPAB VEU --> SPDW They all technically beat Vanguard expense ratios too. Have my HSA there with a tiny amount, $20K. Ended up doing this today: BND to SPAB VTI to SPTM VBR to SPSM The only VG fund I didn't ...
by runner3081
Mon Oct 16, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: What are your best car battery purchase options?
Replies: 18
Views: 776

Re: What are your best car battery purchase options?

If you're a AAA member, call them. They'll send a someone out to your house to R&R the battery. They're re-branded units from Interstate. Overall cost will be comparable to buying the battery off the shelf and DIY. The advantage is that when (not if) the battery fails, even if you're out on the roa...
by runner3081
Mon Oct 16, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: What are your best car battery purchase options?
Replies: 18
Views: 776

Re: What are your best car battery purchase options?

We always go to Sam's Club and buy the cheapest battery with the best warranty for our cars. AZ heat kills even the best of them! Does Sam's Club honor the battery warranty without question? We are also members of Sam's Club, but through the years we have found Costco is nearly without peer in term...
by runner3081
Mon Oct 16, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2397

Re: How do you outfit your feet?

Though I have many more shoes, my 4 go-to shoes: 1) Boston Leather Soled Shoes for Work 2) Mizuno Wave Riders for running (rotate through 2-pairs at a time) 3) Teva Flip-Flop Style Sandals for 4) LandsEnd Sandals for wearing inside the house (scorpion sting prevention) Also have a pair of Adidas ten...
by runner3081
Mon Oct 16, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: What are your best car battery purchase options?
Replies: 18
Views: 776

Re: What are your best car battery purchase options?

We always go to Sam's Club and buy the cheapest battery with the best warranty for our cars. AZ heat kills even the best of them!
by runner3081
Sun Oct 15, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 54
Views: 4214

Re: Amazon Prime - Decline in Delivery Service?

No, not really. About 20 miles from a huge warehouse. Most things come that day or the next (beating estimates many times).
by runner3081
Sun Oct 15, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 124
Views: 6461

Re: What are you driving? And would you buy your current ride again?

1998 Mercedes ML320, 121K miles - Paid $5k, 4.5 years ago 2005 Infiniti G35 - 115.5K miles - Paid $6k, 2.5 years ago - This is a good car, nice ride and rather quick with 285HP. Yes, would buy both again. Expected issues with both based on age/mileage, nothing too crazy. Best part is the dirt cheap ...
by runner3081
Sat Oct 14, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Severance includes 2 yrs healthcare. Should I use that instead of new company?
Replies: 27
Views: 2119

Re: Severance includes 2 yrs healthcare. Should I use that instead of new company?

Exactly... as I stated, losing coverage (your fault or now) is a qualifying event.
by runner3081
Sat Oct 14, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Severance includes 2 yrs healthcare. Should I use that instead of new company?
Replies: 27
Views: 2119

Re: Severance includes 2 yrs healthcare. Should I use that instead of new company?

To me, the main concern is that old employer insurance ends in August month while new enrollment at companies are on calendar month of jan to dec. Would this be considered an event that you can enroll at new employer next august (2018) or 2019 august? Yes, former HR manager here. Losing other cover...
by runner3081
Sat Oct 14, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Severance includes 2 yrs healthcare. Should I use that instead of new company?
Replies: 27
Views: 2119

Re: Severance includes 2 yrs healthcare. Should I use that instead of new company?

To me, the main concern is that old employer insurance ends in August month while new enrollment at companies are on calendar month of jan to dec. Would this be considered an event that you can enroll at new employer next august (2018) or 2019 august? Yes, former HR manager here. Losing other cover...
by runner3081
Sat Oct 14, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: 2017 BMW X1 purchase
Replies: 14
Views: 1152

Re: 2017 BMW X1 purchase

A few notes... 1) I can't help on the price, don't really know new car prices these days. 2) BMW's aren't really that much more to maintain, IF you find a good independent mechanic, do not take it to the dealership. With that said, I have actually driven an X1, it was 1-2 years ago at a test drive e...
by runner3081
Sat Oct 14, 2017 6:44 am
Forum: Personal Consumer Issues
Topic: Deals on Halloween Candy
Replies: 13
Views: 1574

Re: Deals on Halloween Candy

Visit Slickdeals, put in an alert for Candy, grab one of the great Amazon deals they have been doing.
by runner3081
Fri Oct 13, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Severance includes 2 yrs healthcare. Should I use that instead of new company?
Replies: 27
Views: 2119

Re: Severance includes 2 yrs healthcare. Should I use that instead of new company?

Assuming coverage and rates are similar, I would ride out the old plan until your option to keep it expires.

It gives you some more flexibility if you next employer doesn't work out!
by runner3081
Fri Oct 13, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 6965

Re: How many miles/years do you keep your car?

Car 1 - Purchased with 90K miles (car was 14 years old when purchased), 4.5 years ago. Has 122K now. Goal is to keep until 200K Looks good, some minor issues with door latches and bumper paint failing. Car 2 - Purchased with 92K, 3 years ago (car was 9 years old when purchased). Has 115K now. Goal i...
by runner3081
Thu Oct 12, 2017 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Large lump sum-how to invest
Replies: 5
Views: 630

Re: Large lump sum-how to invest

More info needed.

Mortgage rate, marginal tax rate, current savings, debt, etc.
by runner3081
Thu Oct 12, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: A good value wine I found...
Replies: 22
Views: 2531

Re: A good value wine I found...

I suggest you stock up right now. Then sell to your neighbors or save for your use. Next year the price will go up a lot. The fires will let drive prices way up... Good luck. I have been contemplating this! I am not sure the prices will go up in 1-2 years, but the 3-8 year period could be brutal.
by runner3081
Thu Oct 12, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity HSA?
Replies: 3
Views: 350

Re: Fidelity HSA?

Not available, per the HSAsearch.com site:

"Only individuals who are employed by these companies and organizations are eligible to open a Fidelity HSA."

I have one and it isn't cheaper or more special than anything else out there :)
by runner3081
Tue Oct 10, 2017 1:12 am
Forum: Investing - Help with Personal Investments
Topic: Protecting against the possibility of a correction?
Replies: 45
Views: 3962

Re: Protecting against the possibility of a correction?

Once the correction comes, will try to scrap as much money together to buy more!
by runner3081
Mon Oct 09, 2017 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tax (and other) Planning with first child due Dec 28th
Replies: 6
Views: 507

Re: Tax (and other) Planning with first child due Dec 28th

camillus wrote:
Mon Oct 09, 2017 9:59 pm
What a rare circumstance on bogleheads where advocating for vigorous sex may have a real, tangible financial effect.
Membrane scraping/stripping as well :)
by runner3081
Mon Oct 09, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Tax (and other) Planning with first child due Dec 28th
Replies: 6
Views: 507

Re: Tax (and other) Planning with first child due Dec 28th

You can start a 529 at anytime. Put it in your name and then transfer to the baby when they are born.

I wouldn't do anything for 2017, but start looking at your W4 for 2018.

Congrats, by the way.

Do whatever you can to have the baby safely born in 2017 :) Who year of tax savings for 1-2 days :)
by runner3081
Mon Oct 09, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care for 2018, Curious About Other's Increases
Replies: 21
Views: 2528

Re: Health Care for 2018, Curious About Other's Increases

Our renewal just came (employer sponsored plan). There was a rate increase and a deductible increase on our HSA plan. The premiums went up just a bit over 5% 2017 Monthly Rate (Family) - $38 per month 2018 Monthly Rate (Family) - $40 per month Family Deductible went from $3.4K to $4K (+17%) and OOP ...
by runner3081
Mon Oct 09, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6436

Re: Asking for discounts

Here I will ask: - At Home Depot or Lowes: On appliances, find a display model or closeout, "The Manager" will almost always knock off another 10%. You can also get 10% "moving coupons" for either of these stores from ebay for about $10, they arrive as a PDF. They have saved me hundreds over the ye...
by runner3081
Sun Oct 08, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Change for a $20 requires ID!!
Replies: 22
Views: 2295

Re: Change for a $20 requires ID!!

About 1 or so years ago, Chase Bank started asking for ID with any cash deposit. I believe that it was a federal requirement? I wonder if they should be asking for ID anytime money is handed to the bank? I doubt it is a general federal requirement. It might be: a. What Chase determines is necessary...
by runner3081
Sun Oct 08, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Most expensive gel car battery or cheapest? How often?
Replies: 32
Views: 1978

Re: Most expensive gel car battery oe cheapest? How often?

Once the car doesn't start, we get a new one.
by runner3081
Sun Oct 08, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Change for a $20 requires ID!!
Replies: 22
Views: 2295

Re: Change for a $20 requires ID!!

About 1 or so years ago, Chase Bank started asking for ID with any cash deposit. I believe that it was a federal requirement?

I wonder if they should be asking for ID anytime money is handed to the bank?
by runner3081
Sun Oct 08, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Spouse gets blowouts? [Hair care]
Replies: 47
Views: 2278

Re: Spouse gets blowouts?

If it's affordable, forget it. Do you spend that much on something non-essential that interests you? (I thought you were going to ask about tire trouble...) We bank $148k per year on $260k income, it is very affordable. I need to forget it, or better yet follow advice of other posters, compliment /...
by runner3081
Sun Oct 08, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: 3x gross income = house purchase price, should interest rate be taken into account?
Replies: 26
Views: 2149

Re: 3x gross income = house purchase price, should interest rate be taken into account?

taguscove wrote:
Sun Oct 08, 2017 7:57 am
The level of conservatism I see on Bogleheads.org cracks me up :)
I think it is more about priorities for money and using the tool (money) for something more valuable (than a house) to help achieve financial freedom.
by runner3081
Sat Oct 07, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Paternity/Maternity Leave & Its Influence on Career Trajectory
Replies: 23
Views: 1686

Re: Paternity/Maternity Leave & Its Influence on Career Trajectory

I know someone at a tech company that staggered his paternity leave: 4 weeks when the baby arrived, then 8 more weeks later in the year when the baby was 6-8 months old. You could consider that. Good call... I didn't feel there was any use for me right after birth. Plenty of family stopping by all ...
by runner3081
Sat Oct 07, 2017 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Paternity/Maternity Leave & Its Influence on Career Trajectory
Replies: 23
Views: 1686

Re: Paternity/Maternity Leave & Its Influence on Career Trajectory

My wife is expecting #2 early next year. My company allows up to 12 weeks (!!) Paternity leave. You're allowed to take it over the child's first year following their birth. You can take it in day increments if desired, if your manager allows. FMLA required 12 weeks paternity leave (unpaid). Is your...
by runner3081
Sat Oct 07, 2017 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Career decision time - Help appreciated!
Replies: 20
Views: 1395

Re: Career decision time - Help appreciated!

I really want to have a job for long term and not lose it, I have a family/life that depends on it. Thats the biggest motive. I do not want to lose a job because of something as silly as choosing to build a table instead of view and the mgmt started "unliking" me for that. Similar things have happe...
by runner3081
Sat Oct 07, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Career decision time - Help appreciated!
Replies: 20
Views: 1395

Re: Career decision time - Help appreciated!

I really want to have a job for long term and not lose it, I have a family/life that depends on it. Thats the biggest motive. I do not want to lose a job because of something as silly as choosing to build a table instead of view and the mgmt started "unliking" me for that. Similar things have happe...
by runner3081
Sat Oct 07, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Career decision time - Help appreciated!
Replies: 20
Views: 1395

Re: Career decision time - Help appreciated!

I really want to have a job for long term and not lose it, I have a family/life that depends on it. Thats the biggest motive. I do not want to lose a job because of something as silly as choosing to build a table instead of view and the mgmt started "unliking" me for that. Similar things have happe...
by runner3081
Sat Oct 07, 2017 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Career decision time - Help appreciated!
Replies: 20
Views: 1395

Re: Career decision time - Help appreciated!

I would go for it. Pay is higher and benefits are better (Immediate pay bump, +4K retirement boost, along with more time off). You have a ways to go in your career, this step now could mean hundreds of thousands of dollars in salary, long term. The job security part wouldn't concern me too much. A ...