Search found 1783 matches

by runner3081
Wed Jan 16, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: How to set android phone to send phone solicitors directly to voice mail.
Replies: 9
Views: 401

Re: How to set android phone to send phone solicitors directly to voice mail.

jebmke wrote:
Wed Jan 16, 2019 12:46 pm
Only my spouse has my cell phone number. I simply don't answer any calls that aren't her.
Agree. If the phone number is not in my Google address book, I simply decline it.
by runner3081
Mon Jan 14, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever filed an unpaid wage claim against employer?
Replies: 7
Views: 951

Re: Anyone ever filed an unpaid wage claim against employer?

No, but have been on the other side in HR a few times. The vast majority go away after a response from the company's legal rep. The couple that went further were at mediation and were settled for a pittance, not even enough to hit the business insurance.
by runner3081
Mon Jan 14, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: What deductible for Comprehensive and Collision Insurance?
Replies: 34
Views: 1502

Re: What deductible for Comprehensive and Collision Insurance?

We don't have collision and have $1k on comprehensive. This is truly a YMMV and personal question, since it has to do with your personal finances, appetite to gamble a bit, and betting on yourself Like runner3081, I do not carry collision but do carry $1k on comp. The comp is in case someone steals...
by runner3081
Mon Jan 14, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: HomeServe home warranty?
Replies: 6
Views: 614

Re: HomeServe home warranty?

We had a home warranty for two years. First year, paid by seller, second year on our own. We had a bunch of work done - never an issue with them paying. HOWEVER, when you add in the cost of the plan, service call fees, etc, we barely broke even (new hot water heater + plumbing, new washer, garage do...
by runner3081
Sun Jan 13, 2019 11:31 pm
Forum: Personal Consumer Issues
Topic: Fantastic Resort Recommendations???
Replies: 31
Views: 2831

Re: Fantastic Resort Recommendations???

Enchantment Resort, Sedona, AZ.

https://www.enchantmentresort.com
by runner3081
Sun Jan 13, 2019 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house at the peak of the market
Replies: 7
Views: 958

Re: Buying a house at the peak of the market

Don't market time...

If you can afford the house you want now, then buy it. If not, then don't.
by runner3081
Sun Jan 13, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: What deductible for Comprehensive and Collision Insurance?
Replies: 34
Views: 1502

Re: What deductible for Comprehensive and Collision Insurance?

We don't have collision and have $1k on comprehensive.
by runner3081
Sun Jan 13, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Understanding Chubb’s “deductible reserve”
Replies: 6
Views: 459

Re: Understanding Chubb’s “deductible reserve”

This seems highly illogical, and I suspect that my agent does not understand how the reserve works. Does anyone have any experience with this or knowledge of how the “deductible reserve” works? How so? When you made the decision to purchase insurance, you elected to essentially self-fund all claims...
by runner3081
Sun Jan 13, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Anyone used Credit Karma Free (Fed + State) Tax Filing?
Replies: 5
Views: 368

Re: Anyone used Credit Karma Free (Fed + State) Tax Filing?

Yes, I used it last year. Compared to TurboTax (The calculation part). No issues at all.
by runner3081
Sun Jan 13, 2019 8:52 am
Forum: Investing - Help with Personal Investments
Topic: How to invest 5k monthly
Replies: 25
Views: 2508

Re: How to invest 5k monthly

Pending the time horizon, it may not even matter and you may be creating too much work for yourself.
by runner3081
Sun Jan 13, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Understanding Chubb’s “deductible reserve”
Replies: 6
Views: 459

Re: Understanding Chubb’s “deductible reserve”

This seems highly illogical, and I suspect that my agent does not understand how the reserve works. Does anyone have any experience with this or knowledge of how the “deductible reserve” works? How so? When you made the decision to purchase insurance, you elected to essentially self-fund all claims...
by runner3081
Sat Jan 12, 2019 9:26 pm
Forum: Personal Consumer Issues
Topic: ROI calc on grocery expenses
Replies: 29
Views: 1859

Re: ROI calc on grocery expenses

It is very, very negative when you factor in health impacts. Totally agree. OTOH, not everyone cares about the health impacts of their daily diet. Same goes for attention to exercise or lack thereof. This isn't a judgment. It's just that people have different priorities in life and are making choic...
by runner3081
Sat Jan 12, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: ROI calc on grocery expenses
Replies: 29
Views: 1859

Re: ROI calc on grocery expenses

It is very, very negative when you factor in health impacts.
by runner3081
Sat Jan 12, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: Leave negative eBay feedback for item not received?
Replies: 7
Views: 601

Re: Leave negative eBay feedback for item not received?

I purchased an item on eBay in December. The seller never sent notification of shipment and didn't respond to my messages. I filed a case with eBay and got my money back. Should I also post a negative feedback? In the one other time I posted a negative feedback for failure to deliver the item, the ...
by runner3081
Sat Jan 12, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: Leave negative eBay feedback for item not received?
Replies: 7
Views: 601

Re: Leave negative eBay feedback for item not received?

Watty wrote:
Sat Jan 12, 2019 4:59 pm
That must have been a long time ago. I don't think sellers have been able to leave a buyer negative feedback for a long time now, which is one of the problems with eBay.
+1 I am a seller and it has been years since that was allowed - at least 5.
by runner3081
Sat Jan 12, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Elliptical recommendation under 2k
Replies: 13
Views: 739

Re: Elliptical recommendation under 2k

I like the free motion ones that allow you to run or walk on them. I never found that my body liked a traditional repetitive motion elliptical.
by runner3081
Thu Jan 10, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: Good bags/containers for packing snacks?
Replies: 17
Views: 931

Re: Good bags/containers for packing snacks?

I bought some reuseable bags on Amazon. You could PM me and I'd tell you which ones I bought though I really think they are all very similar. The reviews are kinda impossible to wade through (lots of 5s and 1s) but I am satisfied with my purchase. +1 We have used similar bags for years. It is also ...
by runner3081
Wed Jan 09, 2019 7:48 am
Forum: Investing - Theory, News & General
Topic: Your Vanguard Page
Replies: 32
Views: 2847

Re: Your Vanguard Page

Once per month, never more.
by runner3081
Tue Jan 08, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Paying "cash" for auto - possibly w regular credit card?
Replies: 51
Views: 3579

Re: Paying "cash" for auto - possibly w regular credit card?

It all depends, I paid for a car, entirely with a $5k CC transaction once.
by runner3081
Mon Jan 07, 2019 8:38 pm
Forum: Personal Consumer Issues
Topic: USPS Tracking Information Available Soon
Replies: 16
Views: 1943

Re: USPS Tracking Information Available Soon

DTalos wrote:
Mon Jan 07, 2019 5:38 pm
Information is usually updated within the hour of your visit. Please check back soon."
This part is not accurate - at least in practice. Due to a number of lost packages, we have each outgoing item scanned, in-person. Even with that and a receipt, the initial scans don't show up until overnight.
by runner3081
Mon Jan 07, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: How did store know what exact coupons to mail me?
Replies: 23
Views: 2239

Re: How did store know what exact coupons to mail me?

Have possibly ordered a cake, Thanksgiving dinner, etc there?
by runner3081
Mon Jan 07, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to estimate health insurance costs in case of job loss?
Replies: 22
Views: 1139

Re: Best way to estimate health insurance costs in case of job loss?

Oh, right... totally spaced out on COBRA... hopefully I don't send any awkward signals to HR by asking about my megacorp's COBRA rates tho... For future reference, COBRA is usually 102% of the total (Employer + Employee) cost. There is at times, a small administrative fee charged, thus the 2% markup.
by runner3081
Mon Jan 07, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: DIY question - leaky faucet - change stem valve or o-rings?
Replies: 20
Views: 1349

Re: DIY question - leaky faucet - change stem valve or o-rings?

If you have a faucet issue, the first resource to go to is the manufacturer, because brands like Moen and Delta are warrantied for life. . They will identify the necessary replacement parts and provide them for free, including free shipping. Do they require proof of purchase from your experience? A...
by runner3081
Sun Jan 06, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: Who pays for apps?
Replies: 42
Views: 2469

Re: Who pays for apps?

I have an Android and only "pay" for Apps with Google Rewards for completing short surveys. Essentially trading short bits of time, not cash for them.
by runner3081
Sun Jan 06, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: washer dryer rec
Replies: 22
Views: 1492

Re: washer dryer rec

We have had good luck with very basic and inexpensive units.
by runner3081
Sat Jan 05, 2019 8:15 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 408
Views: 41613

Re: What types of jobs do Bogleheads have?

alex123711 wrote:
Sat Jan 05, 2019 8:07 am
That is a lot of jobs,makes me feel slightly more confident about changing my career
Though, on my list, the last 9 jobs were at three companies over 14 years. Moved up quickly, then laterally and then up again.
by runner3081
Fri Jan 04, 2019 10:56 pm
Forum: Personal Consumer Issues
Topic: Recommend men's undershirts
Replies: 49
Views: 3489

Re: Recommend men's undershirts

You should see mine. Massive holes, thin as can be.

But guess what, they are undershirts. No one sees them, I don't care :)
by runner3081
Fri Jan 04, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8227

Re: What Do You Spend The Most On Annually?

1) Savings
2) Taxes
3) Food
4) Car Gasoline
5) Property Taxes
6) Electricity Bill
7) Auto Maintenance

These numbers are somewhat skewed from expected as we have very low monthly expenses and are frugal.
by runner3081
Thu Jan 03, 2019 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Market closes almost 700 points lower
Replies: 18
Views: 1671

Re: Market closes almost 700 points

Large institutional investors drive the market. Sometimes they need times to buy and sometimes they take profits.
by runner3081
Thu Jan 03, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: What Sudden Needs of Cash Do You Prepare For?
Replies: 64
Views: 3592

Re: What Sudden Needs of Cash Do You Prepare For?

My wife and I (both mid-30s) have always erred on the side of being hoarders of cash due to me being the only income (she stays home with our 2 young kids and we plan to homeschool). This likely means up to this point we have less invested than we should, but we sleep better at night. This is the f...
by runner3081
Thu Jan 03, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7294

Re: Engagement Ring (Affordable)

Silicone ring would be a good start. It is all very specific to her tastes, however. I spent right around $2.3K on engagement ring and wedding band for my wife. She spent about $150 on my ring. Here we are, 13 years later and they are both in a drawer somewhere. We may go to a silicone one at some p...
by runner3081
Wed Jan 02, 2019 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Lending Club
Replies: 18
Views: 1375

Re: Lending Club

Had been invested for many years. Not a good business model, got out this past year.
by runner3081
Wed Jan 02, 2019 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to 457b on top of 403b?
Replies: 5
Views: 393

Re: Should I contribute to 457b on top of 403b?

I am a school teacher and have both a 457b and a 403b. I choose to max out the 457b because I plan to retire early and you can access this money without penalty after 50 if you retire so thats a huge deal for me. The only problem with a 457 b is you basically have no access to the money even in eme...
by runner3081
Tue Jan 01, 2019 11:20 pm
Forum: Personal Consumer Issues
Topic: Dual HVAC / when to replace
Replies: 10
Views: 849

Re: Dual HVAC / when to replace

I don't think you are missing anything. We pro actively did our AC/Furnace at 21 years because it had broken down the previous 2 summers. It is the only unit and 115 degrees with no AC is no bueno. With two units, I would have waited until it died - completely with a large repair bill. Can always li...
by runner3081
Tue Jan 01, 2019 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to online banking (Ally)
Replies: 35
Views: 1824

Re: Moving to online banking (Ally)

Did the same thing about 5 years ago, Chase to Ally.

However, we keep a low minimum account open at Chase for notary, cash deposit, etc.
by runner3081
Tue Jan 01, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: Uber/Lyft where do you sit?
Replies: 42
Views: 3969

Re: Uber/Lyft where do you sit?

Always front, passenger side.
by runner3081
Mon Dec 31, 2018 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating my 2018 Spending
Replies: 32
Views: 2292

Re: Evaluating my 2018 Spending

Nothing really.

Still working to strike out adult gifts, though that is a hard hill to climb. With that said, I shop year-round for gifts and spending is minimal for gifts (amounts to about 3% of all expenses - which, are very low).
by runner3081
Mon Dec 31, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Which site to file teen's return for free?
Replies: 2
Views: 210

Re: Which site to file teen's return for free?

I have done my sister-in-law's student tax return on TurboTax for the last 3-years. She did not meet the income threshold, so it was free.
by runner3081
Sun Dec 30, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: University Alumni Associations—Any Value?
Replies: 19
Views: 1786

Re: University Alumni Associations—Any Value?

I have not found a single benefit of joining my Alumni group.

Anything they offer is readily available elsewhere.
by runner3081
Sun Dec 30, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Home buying advice
Replies: 21
Views: 1807

Re: Home buying advice

Personally, there is no way I would buy in that situation.

With that said, we are ultra conservative with our finances and only took a loan that was less than 2x annual income in the house we own now.

You are also behind on retirement savings.
by runner3081
Sun Dec 30, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: What if your stock investment (company) goes bankrupt
Replies: 2
Views: 383

Re: What if your stock investment (company) goes bankrupt

I had a few of these, they sit with a value of nearly nothing for a period of time and then my brokerage eventually closed out the position as a loss of worthless securities.
by runner3081
Sat Dec 29, 2018 9:39 pm
Forum: Investing - Theory, News & General
Topic: December 31st transaction?
Replies: 11
Views: 1900

Re: December 31st transaction?

I don't think it will go through, at least if it matches my Fidelity experience.

I put the purchase order in first thing 12/26, it did not actually process until the end of 12/27 - the next stock market day.

Yours will go in 12/31, but not process until 1/2, most likely.
by runner3081
Sat Dec 29, 2018 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Is this budget lean enough?
Replies: 31
Views: 2067

Re: Is this budget lean enough?

Dump the car payments. Otherwise, it looks very lean. Sure but you still need to budget 400/month for a car (or whatever it works out to) replacement fund. The fact that you have a paid off car doesn't mean that you don't need to be saving enough so that you can replace/repair your car when that bi...
by runner3081
Sat Dec 29, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Is this budget lean enough?
Replies: 31
Views: 2067

Re: Is this budget lean enough?

Dump the car payments. Otherwise, it looks very lean. Sure but you still need to budget 400/month for a car (or whatever it works out to) replacement fund. The fact that you have a paid off car doesn't mean that you don't need to be saving enough so that you can replace/repair your car when that bi...
by runner3081
Sat Dec 29, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Is this budget lean enough?
Replies: 31
Views: 2067

Re: Is this budget lean enough?

Dump the car payments.

Otherwise, it looks very lean.
by runner3081
Sat Dec 29, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: Reporting a Car Accident to the Insurance Company
Replies: 6
Views: 602

Re: Reporting a Car Accident to the Insurance Company

Isn't it a myth that this "let's not involve the insurance company" helps anyone at all? Will the collision repair place report the VIN & accident repair anyways? How so? There are many collision repair places who do not report. The real key here is to save money on potential insurance premium incr...
by runner3081
Sat Dec 29, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 903
Views: 232645

Re: What is your Year 2018 networth change?

Net worth for 2018 increased by 9%. Second lowest yearly gain since I have been tracking since 2011 (yeah, yeah, the good years :). This is better than anticipated, especially with "paper losses" of nearly $44K in the last 3 months. Our loss in October was slightly higher than in December. Now that ...
by runner3081
Fri Dec 28, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: How to afford a sports car?
Replies: 128
Views: 8931

Re: How to afford a sports car?

The time will come when you afford nice things. ...and then, some of us decide that nice things aren't worth the hours of work it takes to buy them! I was there, cycled through cars (3 BMW's, Trucks, etc), fortunately, the most expensive one was $25K and I was able to get out of them for only a sma...
by runner3081
Fri Dec 28, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: not funding kid's tuition
Replies: 102
Views: 3330

Re: not funding kid's tuition

This all comes to a preference thing. The plan for our daughter: We cover 100% of tuition and books years 1-2 at community college cost. We cover 100% of tuition and books years 3-4 at large (in-state) university cost. She can go to school 100% free, if she chooses. However, if she wants to go some...
by runner3081
Fri Dec 28, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2361

Re: Why do people buy- performance cars?

RickBoglehead wrote:
Fri Dec 28, 2018 4:31 pm
runner3081 wrote:
Fri Dec 28, 2018 4:26 pm
My $15 Walmart tie is working just fine, but you can spend hundreds on ties.
No, it's not... :wink:

Clip on?
Puritan brand, mostly under a suit. I don't care and it has never come up!

Though, most of my ties are nicer brands and garage sale finds.