Search found 2494 matches

by runner3081
Wed Nov 13, 2019 7:44 am
Forum: Personal Consumer Issues
Topic: Craigslist vs Kelley Blue Book cash offer for car
Replies: 6
Views: 329

Re: Craigslist vs Kelley Blue Book cash offer for car

Just sold a car last Sunday. Had it posted on FB Marketplace, OfferUp, NextDoor and Craigslist. We also did go the KBB route and they had a local dealer offer, it was over $1K short of what we sold it for, ourselves. Most dealers, unless it is very desirable, are going to give you a purchase price b...
by runner3081
Tue Nov 12, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Experience/cost MLB spring training?
Replies: 20
Views: 917

Re: Experience/cost MLB spring training?

I don't know about FL but I live about 4 miles from the Diamondbacks and Rockies facility in Scottsdale, AZ. It draws a huge number of people and unfortunately to me, it is now big business. This is from 2018 https://www.tickpick.com/blog/average-mlb-spring-training-ticket-prices-by-team/ On the lo...
by runner3081
Tue Nov 12, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: Experience/cost MLB spring training?
Replies: 20
Views: 917

Re: Experience/cost MLB spring training?

Do not go at the end of spring training (last few games). Those games are mostly played using scrubs in the minors who will never see the MLB diamond.
by runner3081
Tue Nov 12, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 50
Views: 2198

Re: (Sigh) "Wasting" year-old smoke detector batteries...

I check, but don't change them unless they are getting on the low end of being full.
by runner3081
Mon Nov 11, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is this Job W-2 or 1099?
Replies: 6
Views: 359

Re: Is this Job W-2 or 1099?

Check out the IRS common law rules here: https://www.irs.gov/businesses/small-businesses-self-employed/independent-contractor-self-employed-or-employee "Common Law Rules Facts that provide evidence of the degree of control and independence fall into three categories: Behavioral: Does the company con...
by runner3081
Mon Nov 11, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: Mobile finance apps - do you use them?
Replies: 22
Views: 1015

Re: Mobile finance apps - do you use them?

I actually don't load many apps on my phone. Definitely nothing for banking. I just don't need to have an app to do my banking (not a privacy concern).

In fact, the only non-factory apps on my Android are fewer than 12.
by runner3081
Sun Nov 10, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 177
Views: 9589

Re: Saving seats on Southwest

How about the couples that choose the two aisle seats across from each other, hogging both 3 seat groups? What's wrong with that? It's open seating. If they both like aisles, they should do exactly this. Same as the rudeness of saving seats or choosing the aisle and window, hoping no one sits in th...
by runner3081
Sun Nov 10, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: RSS Reader Question
Replies: 11
Views: 646

Re: RSS Reader Question

I use INOREADER.
by runner3081
Sun Nov 10, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: Underwater Car Loans
Replies: 38
Views: 2263

Re: WSJ: Underwater Car Loans

I have no experience at all with purchasing cars, so can somebody explain how you get in - and out - of this kind of financial mess? Very, very easy. I have some employees and friends who end up in this mess with perpetual car payments and underwater vehicles. People look at loan payments, not cost...
by runner3081
Sat Nov 09, 2019 9:13 pm
Forum: Personal Consumer Issues
Topic: House for Sale--How Much to Tell Potential Buyer
Replies: 35
Views: 2805

Re: House for Sale--How Much to Tell Potential Buyer

People really complain about stuff like this? We sleep with a sound machine, overnight noise provlems solved for less than 20 bucks. Seems people should not move next to a business if they want quiet.

As with the other advice, absolutely do not interfere, either as a neighbor or a HOA member.
by runner3081
Sat Nov 09, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: What is reasonable HOA reserve?
Replies: 13
Views: 1273

Re: What is reasonable HOA reserve?

All depends on the details of the property and common elements that need to be maintained (pools, roads, walls, etc). Have they done a reserve study? I assume they did and the results indicated that they were woefully short (esp if doing an assessment). Ask for a copy of that, it takes every single ...
by runner3081
Sat Nov 09, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7413

Re: Do you charge your employer for the time that you spend working on your off days?

Unfortunately, it is the expectation at my workplace (email evenings, weekends, etc - in fact, I have a conference call tomorrow morning (SAT). I put up with it now, but I always have a choice to leave if I want. The one place I do draw the line is PTO > 1 days. In those cases, I am not connected t...
by runner3081
Sat Nov 09, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Should I replace my HVAC system or get home warranty plan?
Replies: 17
Views: 892

Re: Should I replace my HVAC system or get home warranty plan?

Don't waste money on a home warranty plan. We had one that was "bought" for us by the seller, kept it an additional year. Had a washer replaced, hot water heater replaced, garage door opener repaired, pool work, sprinkler work, etc. Even with all of that, we just about broke even on the premiums and...
by runner3081
Sat Nov 09, 2019 1:49 pm
Forum: Personal Investments
Topic: Should I use my 457(b)? Worried about disbursement options...
Replies: 32
Views: 1321

Re: Should I use my 457(b)? Worried about disbursement options...

Maybe I am misunderstanding the first question. I would think that your contributions are held in a trust fund and should not be impacted by what happens to the employer. Most qualified plans — such as pension, profit-sharing and 401(k) plans — are protected against creditors' claims, both in and o...
by runner3081
Fri Nov 08, 2019 11:20 pm
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6633

Re: Was I ripped off at the car dealership?

I went in for a routine oil change. They showed me an oil stain that I had under the oil pan and told me that the oil pan gasket needed to be changed. I was told this is a three hour job and they charged me $400. The guy told me it was 350 and then come to find out, it was 400. He said the 350 was ...
by runner3081
Fri Nov 08, 2019 11:15 pm
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 61
Views: 4654

Re: How bad business travel is?

I dread traveling for business. At this point, the two trips I take a year are more than enough. Late nights, quick turnarounds, breaking my routine, etc. Not for me! I rarely, if ever have downtime during travel - early breakfast, late dinners, all-day meetings, and those make it harder to like th...
by runner3081
Fri Nov 08, 2019 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7413

Re: Do you charge your employer for the time that you spend working on your off days?

Unfortunately, it is the expectation at my workplace (email evenings, weekends, etc - in fact, I have a conference call tomorrow morning (SAT). I put up with it now, but I always have a choice to leave if I want. The one place I do draw the line is PTO > 1 days. In those cases, I am not connected to...
by runner3081
Fri Nov 08, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 61
Views: 4654

Re: How bad business travel is?

I dread traveling for business. At this point, the two trips I take a year are more than enough. Late nights, quick turnarounds, breaking my routine, etc. Not for me! I rarely, if ever have downtime during travel - early breakfast, late dinners, all-day meetings, and those make it harder to like the...
by runner3081
Thu Nov 07, 2019 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Selling to Carmax: Fix then Quote vs. Quote then Fix
Replies: 23
Views: 1898

Re: Selling to Carmax: Fix then Quote vs. Quote then Fix

I don't know about morality, but get the quote first. If they find something, then you can fix & re-quote. No moral issues here at all, unless you intentionally try to hide something (pull out check engine light bulb, etc). They are buying the car, it is on them to determine what is wrong with it. ...
by runner3081
Thu Nov 07, 2019 4:19 pm
Forum: Personal Investments
Topic: How much is too much in an HSA?
Replies: 51
Views: 4213

Re: How much is too much in an HSA?

Considering they have not been around very long and the very low annual contribution limits, I think it would be hard to have "too much".
by runner3081
Thu Nov 07, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: How does bookkeeping for an HSA work (keeping receipts for decades)
Replies: 6
Views: 554

Re: How does bookkeeping for an HSA work (keeping receipts for decades)

Spreadsheet - Local computer and Google Sheet
Receipts - One scanned copy local computer, one Google Drive and keep the paper copy
by runner3081
Thu Nov 07, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Cost Basis Time Share received for free or a few dollars
Replies: 11
Views: 751

Re: Cost Basis Time Share received for free or a few dollars

Run, don't walk. This "dear" friend probably thinks you are a sucker.
by runner3081
Thu Nov 07, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Flooring
Replies: 19
Views: 1062

Re: Flooring

We put luxury roll vinyl in our last house. Looked great and was easy to install as it was a no-glue type. Did people guess it wasn’t hardwood? The printed pattern was slate tiles, it was fairly think and had elevation changes for fake grout lines, etc, but was fairly soft. Everyone really liked it.
by runner3081
Thu Nov 07, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Flooring
Replies: 19
Views: 1062

Re: Flooring

We put luxury roll vinyl in our last house. Looked great and was easy to install as it was a no-glue type.
by runner3081
Wed Nov 06, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Excess Cash- What to do with it?
Replies: 14
Views: 1653

Re: Excess Cash- What to do with it?

Extra money goes into post-tax index fund investing for us.
by runner3081
Tue Nov 05, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4077

Re: Your Fantasy Kitchen (Cookware-wise)

Someone else to clean all of the dishes :)
by runner3081
Tue Nov 05, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Job change + high healthcare costs = pay deductible twice?
Replies: 17
Views: 1135

Re: Job change + high healthcare costs = pay deductible twice?

psychoslowmatic wrote:
Tue Nov 05, 2019 12:29 pm
No idea if this is right, but would taking COBRA coverage through the old company through the end of the year avoid repaying the deductible?
Yes, it would.
by runner3081
Tue Nov 05, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Verizon or AT&T for mobile phone service
Replies: 6
Views: 474

Re: Verizon or AT&T for mobile phone service

Neither. Go with an MVNO that uses one of their networks and save money.

With that said, it is very location specific. For example, people don't like Sprint, but their service works great for us.
by runner3081
Wed Oct 30, 2019 7:55 pm
Forum: Personal Investments
Topic: We might reduce retirement savings for other budget goals: good/bad?
Replies: 14
Views: 1373

Re: We might reduce retirement savings for other budget goals: good/bad?

All depends on your goals. Personally, I would never let retirement savings drop that low.
by runner3081
Wed Oct 30, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Olympic National Park and Mount Rainier National Park First Week of November - Worth It?
Replies: 15
Views: 767

Re: Olympic National Park and Mount Rainier National Park First Week of November - Worth It?

No issues going to Rainier (Paradise). There is some snow, but the paths are usually walk-able, but very muddy. Webcam here: https://www.nps.gov/webcams-mora/gh.jpg?2019930133151 I would not do both, personally. If I could only do one, it would be the Olympic National Park. More variety, can also h...
by runner3081
Wed Oct 30, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: Olympic National Park and Mount Rainier National Park First Week of November - Worth It?
Replies: 15
Views: 767

Re: Olympic National Park and Mount Rainier National Park First Week of November - Worth It?

No issues going to Rainier (Paradise). There is some snow, but the paths are usually walk-able, but very muddy. Webcam here: https://www.nps.gov/webcams-mora/gh.jpg?2019930133151 I would not do both, personally. If I could only do one, it would be the Olympic National Park. More variety, can also he...
by runner3081
Tue Oct 29, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: Anyone have an issue with Corelle plates?
Replies: 38
Views: 3591

Re: Anyone have an issue with Corelle plates?

How often do yo they guys break plates that you need indestructible ones? Is there something pleasing about the Corelle material that you guys like? We buy ceramic plates and bowls and mugs at the restaurant supply store. If you need to replace them, they’re like $2. And the design is classic plain...
by runner3081
Tue Oct 29, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: VPNs
Replies: 32
Views: 3040

Re: VPNs

Windscribe. Free.
by runner3081
Mon Oct 28, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Banks/Brokerages that allow trust accounts
Replies: 6
Views: 381

Re: Banks/Brokerages that allow trust accounts

Ally was pretty simple, just send them a copy of the trust and they do the rest.

Just know that regular customer service can't help you much once the trust is made the account owner, there is a specific department for help.
by runner3081
Mon Oct 28, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Popeyes Chicken Sandwich [is it a good value]
Replies: 40
Views: 2411

Re: Popeyes Chicken Sandwich [is it a good value]

No plans to try it. In general I don't find food that is made for me to be a good value.
by runner3081
Mon Oct 28, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: Anyone have an issue with Corelle plates?
Replies: 38
Views: 3591

Re: Anyone have an issue with Corelle plates?

No issues with them, but boy, when they break, it is in a spectacular fashion sending shards halfway across the house. Have broken 3 plates in the 5 years we have used them exclusively.

It is also worth nothing that there is no more lifetime guarantee. It is 3-years now.
by runner3081
Mon Oct 28, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8783

Re: How much do you plan to spend on your children's weddings?

Wedding = $0.

A couple grand on a honeymoon? Sure.
by runner3081
Mon Oct 28, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Furnace air filters
Replies: 37
Views: 2896

Re: Furnace air filters

The cheapest fiber green ones from Walmart. I think they are $1 each. Replaced at exactly one month.
by runner3081
Sat Oct 26, 2019 1:37 pm
Forum: Personal Investments
Topic: Do You Pay For Financial Advice?
Replies: 76
Views: 4311

Re: Do You Pay For Financial Advice?

No, I do it all myself
by runner3081
Sat Oct 26, 2019 8:15 am
Forum: Personal Consumer Issues
Topic: Tattoos in the workplace
Replies: 5
Views: 980

Re: Tattoos in the workplace

Call me old fashioned, but I am not a fan of any tattoo.

I think they should be covered up at work. That was the policy at my organization until about two years ago, when they made the change to allow exposed "non-offensive" tattoos.
by runner3081
Sat Oct 26, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: HVAC check ups?
Replies: 46
Views: 2974

Re: HVAC check ups?

Ours is relatively new and we do it every 3-years.
by runner3081
Sat Oct 26, 2019 7:17 am
Forum: Personal Investments
Topic: HELP! Close family member involved with Online Trading Academy
Replies: 12
Views: 1801

Re: HELP! Close family member involved with Online Trading Academy

Has this friend asked you for your opinion on the Online Trading Academy?

If not, I would back off.
by runner3081
Fri Oct 25, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Fixing rear bumper
Replies: 13
Views: 838

Re: Fixing rear bumper

Look on Angies List and yelp for auto body repair. It depends on the extent of the damage. It doesn't take much these days for body shops to say the whole bumper needs replaced. It is not often that the bumper needs to be replaced, however, any kind of scrape or ding on the bumper cover will likely...
by runner3081
Fri Oct 25, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Recent Employment Background/Credit Check - How long?
Replies: 3
Views: 239

Re: Recent Employment Background/Credit Check - How long?

It really depends on the company they use and where you have lived/worked.

24 hours to two weeks.
by runner3081
Thu Oct 24, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: Where do you buy eyeglass frames online?
Replies: 16
Views: 1311

Re: Where do you buy eyeglass frames online?

Goggles4U and Zenni for my daughter's glasses.
by runner3081
Thu Oct 24, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Spray on mold remover, for vinyl house siding?
Replies: 22
Views: 1579

Re: Spray on mold remover, for vinyl house siding?

Moldex is another option: https://www.homedepot.com/p/Moldex-56-oz-Instant-House-Wash-7030/205973335?mtc=Shopping-BA-F_Test-G-Multi-Multi-NA-NA-Feed-PLA-NA-NA-MROMI2_PHO&cm_mmc=Shopping-BA-F_Test-G-Multi-Multi-NA-NA-Feed-PLA-NA-NA-MROMI2_PHO-71700000057568102-58700005331200714-92700047416947269&gcli...
by runner3081
Wed Oct 23, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: Bought CPO car - checklist incomplete/wrong
Replies: 9
Views: 965

Re: Bought CPO car - checklist incomplete/wrong

I assume the CPO provided some kind of a warranty, correct? If they missed anything major, it will hopefully come up during this time. I personally wouldn't make a stink about it and just let it be. To be honest, I really don't expect a full inspection by any dealer - there is a serious conflict of ...
by runner3081
Tue Oct 22, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: Certificates or no certificates when purchasing tires as Discount Tires?
Replies: 4
Views: 653

Re: Certificates or no certificates when purchasing tires as Discount Tires?

As I read into it more - perhaps the certificates are a waste of money as the tires are warranted for "x number of miles" by the manufacturer anyways so it wasn't really the certificates that got me prorated refund but the warranty. I never, ever buy certificates at Discount tire (at time of tire p...