Search found 3062 matches

by runner3081
Sat May 30, 2020 7:24 pm
Forum: Personal Consumer Issues
Topic: Suggestions for a comfortable desk chair on a budget
Replies: 21
Views: 1004

Re: Suggestions for a comfortable desk chair on a budget

Check Craigslist and sorts for used Herman Miller chairs.
by runner3081
Sat May 30, 2020 11:35 am
Forum: Personal Consumer Issues
Topic: How to get back fees paid to telemedicine provider?
Replies: 24
Views: 1350

Re: How to get back fees paid to telemedicine provider?

Questions (please no medical advice so the moderators can keep this post open) : Now, given that I was clear in the service request before paying, that we would need a generic medication, and the doctor didn't provide that, am I right in thinking that I might dispute the fees in case they refuse to...
by runner3081
Fri May 29, 2020 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: What does your budget spreadsheet look like?
Replies: 36
Views: 2170

Re: What does your budget spreadsheet look like?

This is what we use... we do have an ultra high savings rate, hovering around 70%. From this, we then track monthly expenses, manually, for the highlighted categorized on another sheet. Non-highlighted are adjusted as they change, insurance renewal, etc. Things like electricity are updated annually...
by runner3081
Fri May 29, 2020 8:26 am
Forum: Personal Finance (Not Investing)
Topic: What does your budget spreadsheet look like?
Replies: 36
Views: 2170

Re: What does your budget spreadsheet look like?

Hi again everyone! I appreciate all these replies. Great stuff to think about. But just to clarify - I'm also focused on what kinds of accounts are used. When are you putting money in checking accounts? Savings accounts? CD's? Brokerage accounts? My view is that every dollar needs a homework assign...
by runner3081
Fri May 29, 2020 7:09 am
Forum: Personal Finance (Not Investing)
Topic: What does your budget spreadsheet look like?
Replies: 36
Views: 2170

Re: What does your budget spreadsheet look like?

This is what we use... we do have an ultra high savings rate, hovering around 70%. From this, we then track monthly expenses, manually, for the highlighted categorized on another sheet. Non-highlighted are adjusted as they change, insurance renewal, etc. Things like electricity are updated annually,...
by runner3081
Thu May 28, 2020 10:48 pm
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 52
Views: 2980

Re: Car Issues - No Oil

Fill it with oil and keep driving it. My wife did the same thing before we were married. Wouldn't start in a Costco parking lot, bought 4 quarts, filled it up there. Started up. We did up losing a fair amount of frozen food we just bought! Long story short, filled it up, never had it checked out and...
by runner3081
Thu May 28, 2020 8:05 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 84
Views: 5162

Re: Face mask recommendations

Sham wow makes a mask. Seriously.
by runner3081
Wed May 27, 2020 2:57 pm
Forum: Investing - Theory, News & General
Topic: Why is the market soaring?
Replies: 35
Views: 4382

Re: Why is the market soaring?

Worst case already baked in with dip, more or less.
by runner3081
Wed May 27, 2020 11:00 am
Forum: Personal Investments
Topic: Count Arrears Pay in EF?
Replies: 6
Views: 266

Re: Count Arrears Pay in EF?

No, anything can happen. I only count cash that I actually have.

What if your company goes bankrupt and you don't get paid for a few months?
by runner3081
Wed May 27, 2020 7:50 am
Forum: Personal Consumer Issues
Topic: How can I use 6 weeks of vacation in the next 6 months in the Covid era?
Replies: 37
Views: 3244

Re: How can I use 6 weeks of vacation in the next 6 months in the Covid era?

There are plenty of options around there were you can drive. Check out Airbnb and see what is within a couple hours drive.

Also, could drive up the 101 into Oregon.
by runner3081
Tue May 26, 2020 11:05 pm
Forum: Personal Consumer Issues
Topic: HBO Max
Replies: 38
Views: 2806

Re: HBO Max

Nope. We truly cut the cord and have not replaced with multiple streaming services. I find it funny, talking to friends and co-workers, they carry on about cutting the cord and then talk about their subscriptions. They are still paying for watching tv and nearly as much as they did on cable. Cuttin...
by runner3081
Tue May 26, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: HBO Max
Replies: 38
Views: 2806

Re: HBO Max

Nope. We truly cut the cord and have not replaced with multiple streaming services.

I find it funny, talking to friends and co-workers, they carry on about cutting the cord and then talk about their subscriptions. They are still paying for watching tv and nearly as much as they did on cable.
by runner3081
Tue May 26, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: Best cheapest internet provider
Replies: 9
Views: 757

Re: Best cheapest internet provider

Check your package. Most people are completely oversubscribed on a speed tier they do not need.
by runner3081
Tue May 26, 2020 11:53 am
Forum: Personal Investments
Topic: Will location premium on homes drop?
Replies: 8
Views: 844

Re: Will location premium on homes drop?

Doubt it. There are still so many jobs that will require some kind of on-site presence that it shouldn't make much of an in impact.

Besides, Jobs are only one part of the equation making an area more valuable than others. Weather, desirability of schools, access to resources, and other reasons.
by runner3081
Tue May 26, 2020 9:14 am
Forum: Investing - Theory, News & General
Topic: Bogleheads: What is your largest single stock holding? (if any)
Replies: 79
Views: 3902

Re: Bogleheads: What is your largest single stock holding? (if any)

MSFT - Microsoft .287% (yes, less than 1/2 of 1 percent) of entire equity portfolio. Bought it a few years back, has gone up 384%. Next one is Pfizer, .112% of entire portfolio. In total, only own 8 individual company stocks with play money. The other ones are are less than $500. As you can tell, ha...
by runner3081
Mon May 25, 2020 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: 6 Month Emergency Fund for a Business
Replies: 11
Views: 613

Re: 6 Month Emergency Fund for a Business

MrJedi wrote:
Mon May 25, 2020 2:56 pm
It's highly unusual for most businesses to go from normal revenue activity to zero revenue so suddenly.
Though, that highly unusual just happened 😁
by runner3081
Mon May 25, 2020 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: 6 Month Emergency Fund for a Business
Replies: 11
Views: 613

Re: 6 Month Emergency Fund for a Business

arf1410 wrote:
Mon May 25, 2020 1:32 pm
So my question is, why wouldn't the same hold true for a business?
It does exist, anywhere I have worked it has been shown as days of cash on hand, or similar. I.E., if revenue stopped, how long could you continue operations, as-is?
by runner3081
Mon May 25, 2020 12:58 pm
Forum: Investing - Theory, News & General
Topic: Anybody do any GOOD timing the market?
Replies: 93
Views: 4597

Re: Anybody do any GOOD timing the market?

I have been dollar cost averaging since about 2006. It has been truly amazing market timing.
by runner3081
Mon May 25, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 94
Views: 5923

Re: What will you NOT buy online?

I would not buy a pre-owned car or house online. (New car, probably, but I would need to have driven that same model/year previously - of course, I have never and will never buy a new car).

Anything else? Fair game.
by runner3081
Mon May 25, 2020 10:52 am
Forum: Personal Investments
Topic: Company deferred our 401k Match until 2021
Replies: 9
Views: 609

Re: Company deferred our 401k Match until 2021

Is there anything I should do differently in lieu of this? e.g. deposit what would be their match into my taxable so that the amount invested remains the same? Same thing happened to me, I don't expect the match will ever be back (especially because we also have a pension). I did this (to taxable),...
by runner3081
Mon May 25, 2020 10:17 am
Forum: Personal Consumer Issues
Topic: Anyone buy a car from a rental car company???
Replies: 25
Views: 2611

Re: Anyone buy a car from a rental car company???

Knowing the way I drive a rental car, not sure I would buy one :)

On a serious note, in theory all of these vehicles should have had regular maintenance throughout their service time.

I have looked and have not found any significant discounts on their site(s) compared to regular dealer sites.
by runner3081
Sun May 24, 2020 10:08 pm
Forum: Personal Consumer Issues
Topic: Audiophiles: Any one collecting speakers?
Replies: 13
Views: 1033

Re: Audiophiles: Any one collecting speakers?

I like to buy them from people at pennies on the dollar and resell them :) Never keep them though.
by runner3081
Sun May 24, 2020 10:00 pm
Forum: Investing - Theory, News & General
Topic: Will the US become like Japan?
Replies: 68
Views: 5085

Re: Will the US become like Japan?

With changes in the environment, including monster earthquakes and flooding, I suppose that we could become an island country one day :)
by runner3081
Sun May 24, 2020 9:59 pm
Forum: Forum Issues and Administration
Topic: Bogleheads' Reading Strategies for Boglehead Forums
Replies: 21
Views: 1421

Re: Bogleheads' Reading Strategies for Boglehead Forums

I use an RSS reader to view all posts that are made. I fully read anything that 1) interests me or 2) I have experience with. Then, will add feedback that is mostly relevant, but admit that at times, I like to offer an option D, when only A-B-C are being asked :)
by runner3081
Sun May 24, 2020 8:59 pm
Forum: Personal Consumer Issues
Topic: Update current laptop or buy new one?
Replies: 42
Views: 2506

Re: Update current laptop or buy new one?

I will provide a differing opinion. My current laptop is nearly 11 years old with only 8 GB of RAM, an i3 chip and an SSD. It is more than adequate for streaming video, videoconferences and anything else I can throw at it.
by runner3081
Sun May 24, 2020 5:44 pm
Forum: Personal Consumer Issues
Topic: Would you buy a new car without a spare tire?
Replies: 21
Views: 1012

Re: Would you buy a new car without a spare tire?

My 13 year old Honda Oddyssey is beginning to cost too much in repairs and I am considering replacing it with a Honda CRV. I prefer the Hybrid which costs an extra $1,200 but it comes with a tire repair kit instead of a spare tire as the battery taks up the space for the spare on the non hybrid ver...
by runner3081
Sun May 24, 2020 5:42 pm
Forum: Personal Consumer Issues
Topic: Would you buy a new car without a spare tire?
Replies: 21
Views: 1012

Re: Would you buy a new car without a spare tire?

Yes, absolutely. Had a few German cars over 4 years with no spares. I also didn’t have run flats.

AAA was always a call away.
by runner3081
Sun May 24, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: Suggestions for a video or voice conferencing system
Replies: 2
Views: 160

Re: Suggestions for a video or voice conferencing system

stan1 wrote:
Sun May 24, 2020 12:10 pm
I think Google Meet is best option right now. Sounds like you can use non-G suite but everyone needs to sign into a Google account which may upset a few people.
Agree, came in here just to say Google.
by runner3081
Sun May 24, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!
Replies: 81
Views: 3416

Re: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!

Suggest posting this on a BMW forum, you'll get more people with recent and specific experiences that are relevant to your question. Yes, this is a great idea. There are a number of large ones out there. As far as this, "Do you think $43,500 is already a good selling price" No way would I touch any...
by runner3081
Sun May 24, 2020 10:57 am
Forum: Personal Finance (Not Investing)
Topic: New Tires or New Car?
Replies: 56
Views: 3327

Re: New Tires or New Car?

Nate79 wrote:
Sun May 24, 2020 10:56 am
What is the car model?
I am going to take a wild guess that this is a BMW X5... Or maybe a Cayenne or Land Rover :)
by runner3081
Sun May 24, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: New Tires or New Car?
Replies: 56
Views: 3327

Re: New Tires or New Car?

Find cheaper tires. Check Walmart, etc.

Also, check for a tire shop that sells used tires. They may have 4 with similar tread depth.
by runner3081
Sun May 24, 2020 8:36 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 155
Views: 11477

Re: If Jeep has such poor reliability, how come they are everywhere?

I would also add that many of their smaller vehicles are pretty affordable. Looking at ads recently, you can get into a small Jeep SUV for around $15,000. I would suspect, that regardless of reliability issues or not, people are jumping at that price for a small SUV.
by runner3081
Sat May 23, 2020 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: ELI5 P2P payments: explain like I'm 5, person to person payments
Replies: 5
Views: 421

Re: ELI5 P2P payments: explain like I'm 5, person to person payments

For Zelle, I receive an email and it goes right into my bank account at Ally. I prefer that over PayPal.
by runner3081
Sat May 23, 2020 10:56 am
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 120
Views: 9611

Re: Personal spending out of control after Covid-19

Spending is down, health is better.
by runner3081
Fri May 22, 2020 7:19 pm
Forum: Personal Investments
Topic: Looking for a Roth IRA with rebalancing. (Hegdefundie adventure)
Replies: 19
Views: 989

Re: Who do you use for your Roth IRA?

I have my wife's with TRowePrice

Mine is with Fidelity,
by runner3081
Fri May 22, 2020 2:25 pm
Forum: Personal Consumer Issues
Topic: Better to rent through Airbnb or VRBO?
Replies: 10
Views: 908

Re: Better to rent through Airbnb or VRBO?

Either one is fine. I have had similar experience on both platforms.

Look for your place on both of the sites, as some of the fees may be cheaper on one compared to the other.
by runner3081
Thu May 21, 2020 1:24 pm
Forum: Investing - Theory, News & General
Topic: Impact of legislation delisting foreign companies
Replies: 15
Views: 677

Re: What to do about Alibaba?

Proposed legislation, not allowed to be discussed.
by runner3081
Thu May 21, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: Experience with subscription management apps / websites?
Replies: 3
Views: 162

Re: Experience with subscription management apps / websites?

Seems to be a personal choice.

Do it yourself (like index funds) and save fees

OR

Have someone else do it and pay for their time (i.e. financial advisor)

Personally, I am happy to do those negotiations myself and don't have an interest in paying a portion of my savings to someone else.
by runner3081
Thu May 21, 2020 11:18 am
Forum: Personal Consumer Issues
Topic: Floor are slanting
Replies: 25
Views: 1304

Re: Floor are slanting

I wanted to know since I am very new to home ownership, who should I contact to look at these issues and if they can tell me if these are serious issues? Structural engineer. However, be careful, once you do that and find something out, you will need to forever disclose unless you put into place wh...
by runner3081
Thu May 21, 2020 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Car or Train? Plus, Used Car (Make/Model/Year) Recommendations for Long Commute
Replies: 36
Views: 1273

Re: Car or Train? Plus, Used Car (Make/Model/Year) Recommendations for Long Commute

Miami Metro Area. The drive will be frustrating, and thus my default was to take the train. But now that I'm seeing I likely won't save time or money, I'm willing to endure the drive a few times per week. I only wish Rick Ferri would make Bogleheads podcasts more than once a month! To me this would...
by runner3081
Wed May 20, 2020 8:41 pm
Forum: Personal Consumer Issues
Topic: Frequency of bike overhaul or tune up
Replies: 29
Views: 1680

Re: Frequency of bike overhaul or tune up

Neither. If it shifts and brakes fine, leave it be. You can also use chain lube oil (on chain) and wipe it down to prevent dirt buildup on frame, etc. Also adjusting brakes and derailleurs is very simple.
by runner3081
Wed May 20, 2020 6:02 pm
Forum: Personal Consumer Issues
Topic: Furniture for an infant in the living room
Replies: 30
Views: 1418

Re: Furniture for an infant in the living room

We were looking at an article at consumer report and found that some products could be dangerous to the baby’s life such as “Fisher-Price Rock ’n Play Sleeper”. HA, whatever. As with anything, adequate supervision trumps those reports. Our daughter slept in one of those for 2-years. Same with both ...
by runner3081
Wed May 20, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity- new rewards program for Wealth Management clients]
Replies: 21
Views: 2317

Re: Fidelity Rewards +

Interesting, but ultimately not worth it.
by runner3081
Tue May 19, 2020 8:49 pm
Forum: Personal Consumer Issues
Topic: purchased item from hacked eBay account
Replies: 12
Views: 936

Re: I bought from a hacked eBay account

Is this your second post on this issue? Just wait, file a claim and wait some more. You will get the money back. Not like we are talking a bunch of money. You are guaranteed to get it back. Don't lose a the minute of sleep over it Why the did it? To take money. In all likelihood there PayPal account...
by runner3081
Tue May 19, 2020 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff logistics and large ACH transfer
Replies: 16
Views: 1599

Re: Mortgage payoff logistics and large ACH transfer

Hi Bogleheads, I am preparing to payoff my mortgage next month, mortgage is held at my bank at which I also have a checking account. I spoke to the bank to find out what the process is and this is the plan as I understood it: - I request a payoff statement - I send an ACH transfer from my brokerage...