Search found 5939 matches

by runner3081
Tue Mar 26, 2024 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: My Auto Insurance 6 month premium is going dramatically UP?
Replies: 135
Views: 5537

Re: My Auto Insurance 6 month premium is going dramatically UP?

You are simply a number as a means to achieve shareholder return for the insurance company. Nothing more, nothing less. According to “the google”, State Farm is a mutual company owned by their policy holders. I guess they’re increasing rates to enhance the policy holder returns? Wait, that doesn’t make sense!! bill [/quote] "State Farm’s CEO made more than $20 million last year – the largest payout he’s gotten since taking the reins at the insurance giant in 2015. Michael Tipsord, chairman, president and CEO of State Farm, received total compensation of $20,266,505.62 last year, according to a report by The Pantagraph. That includes a $2,147,076.91 base salary and an $18,081,900 incentive-based bonus. It’s a 65% hike from his 2019 com...
by runner3081
Tue Mar 26, 2024 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: My Auto Insurance 6 month premium is going dramatically UP?
Replies: 135
Views: 5537

Re: My Auto Insurance 6 month premium is going dramatically UP?

Vanguard User wrote: Tue Mar 26, 2024 5:02 pm :P
Silk McCue wrote: Tue Mar 26, 2024 5:01 pm
Vanguard User wrote: Tue Mar 26, 2024 4:58 pm
Silk McCue wrote: Tue Mar 26, 2024 4:57 pm What did your agent tell you when you called them?

I’m with State Farm and would have called my agent with such a question.

Cheers
They said it’s the inflation. I told them I might leave and look elsewhere.

How do you negotiate this?
Others can chime in but I don’t think you can. You could possibly modify your coverages to get a lower rate. Plenty of threads here since inflation kicked up dealing with higher rates.

Cheers
Why punish good drivers?
You are simply a number as a means to achieve shareholder return for the insurance company. Nothing more, nothing less.
by runner3081
Tue Mar 26, 2024 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: How many credit cards do you have
Replies: 89
Views: 4028

Re: How many credit cards do you have

Fidelity - 2% CB on everything
DiscoverIT - For the 5% rotating categories
Chase Freedom - For the 5% rotating categories
ELFCU - Did for a sign-on bonus, make 1 charge every 6-months for a few cents to keep active
CITI - First card I got at the age of 16, keeping due to no fees and longest credit holding.
by runner3081
Tue Mar 26, 2024 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Rollover - how to deposit a check?
Replies: 4
Views: 265

Re: Fidelity HSA Rollover - how to deposit a check?

We took ours to a local Fidelity branch. Might be worth looking to see if there is one around you.
by runner3081
Mon Mar 25, 2024 6:06 pm
Forum: Investing - Theory, News & General
Topic: Trump Media & Technology Group Corp begins trading on NASDAQ as DJT on Tuesday
Replies: 12
Views: 2500

Re: Trump Media & Technology Group Corp begins trading on NASDAQ as DJT on Tuesday

RubyTuesday wrote: Mon Mar 25, 2024 5:15 pm I do not envy moderators with this news story out.
Then why even start a thread? We don't really do individual stocks, so this just elicits an eye roll, like any other stock, Reddit, Meta, etc.
by runner3081
Sun Mar 24, 2024 11:26 am
Forum: Personal Investments
Topic: buying mutual funds seems easier than buying ETFs
Replies: 64
Views: 4862

Re: buying mutual funds seems easier than buying ETFs

Stop market timing, the few pennies won't matter. Just do market price and most platforms, including Fidelity and Vanguard both allow ETF purchases with dollar amounts, not share amounts these days.

Simplify my friend!
by runner3081
Fri Mar 22, 2024 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy: Multiple Insurers, One Coverage?
Replies: 10
Views: 1020

Re: Umbrella Policy: Multiple Insurers, One Coverage?

We have AAA for auto/home and Stillwater for Umbrella. Cheaper this way, but not by a ton.
by runner3081
Fri Mar 22, 2024 1:31 pm
Forum: Personal Consumer Issues
Topic: Medical Alert ID, link to medical records .......Please do NOT use this thread to ask or give medical advice.
Replies: 19
Views: 1129

Re: Medical Alert ID, link to medical records .......Please do NOT use this thread to ask or give medical advice.

I wouldn’t worry about the medical recorders linking. You have to make two big assumption, first that the hospital knows how to do this and second that they have the time to do it
by runner3081
Fri Mar 22, 2024 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Dedicated Financial Computer Master Thread
Replies: 205
Views: 9326

Re: Dedicated Financial Computer Master Thread

Perhaps I should buy a car dedicated for driving only to the bank.
by runner3081
Tue Mar 19, 2024 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do today to increase your income? [Financial]
Replies: 64
Views: 4235

Re: What did you do today to increase your income?

Cashed out PTO so I didn’t hit my cap and stop accruing. Made transfer to Vanguard brokerage in that same amount.
by runner3081
Tue Mar 19, 2024 5:00 pm
Forum: Personal Consumer Issues
Topic: Suggestions for mobile phone plans for a high schooler
Replies: 24
Views: 2058

Re: Suggestions for mobile phone plans for a high schooler

Glockenspiel wrote: Tue Mar 19, 2024 3:55 pm
runner3081 wrote: Tue Mar 19, 2024 2:12 pm
Glockenspiel wrote: Tue Mar 19, 2024 11:44 am I recommend a Gizmo Smart Watch. No data, no internet, no social media, just calling and texting to pre-assigned contacts.
Recommended if you hate your kid.
My 9-year old loves it. Why are there always weird social media/cell phone stans on here whenever there are any questions about phones?
9 year olds are not in high school.
by runner3081
Tue Mar 19, 2024 2:12 pm
Forum: Personal Consumer Issues
Topic: Suggestions for mobile phone plans for a high schooler
Replies: 24
Views: 2058

Re: Suggestions for mobile phone plans for a high schooler

Glockenspiel wrote: Tue Mar 19, 2024 11:44 am I recommend a Gizmo Smart Watch. No data, no internet, no social media, just calling and texting to pre-assigned contacts.
Recommended if you hate your kid.
by runner3081
Tue Mar 19, 2024 1:15 pm
Forum: Personal Consumer Issues
Topic: Leaking Window?
Replies: 24
Views: 1877

Re: Leaking Window?

Looks like AZ/CA. Are you 100% sure the roof doesn't leak? That can also manifest itself with leaks at the windows.
by runner3081
Tue Mar 19, 2024 11:42 am
Forum: Personal Consumer Issues
Topic: Suggestions for mobile phone plans for a high schooler
Replies: 24
Views: 2058

Re: Suggestions for mobile phone plans for a high schooler

gotoparks wrote: Sat Mar 16, 2024 1:17 am I was researching Tello and Mint tonight to switch. I decide to go with Tello. I think you might like Tello because the plans are monthly, but all automatically renew. It is good if you want to cancel or switch plans. I am a low end user but am going with the 14 dollar a month plan. Seems to be a good value.
One note with Tello. If you "manually" renew your plan, unused data rolls over.
by runner3081
Sun Mar 17, 2024 9:23 pm
Forum: Personal Consumer Issues
Topic: navigation system for car
Replies: 64
Views: 3366

Re: navigation system for car

Buy a cheap Android tablet.
by runner3081
Sun Mar 17, 2024 11:30 am
Forum: Personal Consumer Issues
Topic: Portable Audio - your configuration?
Replies: 9
Views: 680

Re: Portable Audio - your configuration?

For running. Very old iPod touch - $5 at a garage sale Cheap in-ear, wired earbuds that they gave out for a summer reading program at the local library (I wear them halfway out so I can hear what is going on around me, especially important since I run in the dark). I run with a sweatband, so this allows me to keep them from being in my ears. I hate the foot pounding sound in my ear when all of the way in. iPod goes in my pants pocket I really, really, really, want to upgrade my running audio, but every time I look at stuff, I stick with my cheap and simple setup. Wireless would be nice because, yes, at times, I catch the cord with my arm and yank the buds down, lol. Also, can't seem to get the iPod to finish one podcast and start another wi...
by runner3081
Sun Mar 17, 2024 10:23 am
Forum: Forum Issues and Administration
Topic: Suggestion: add a poll feature
Replies: 4
Views: 475

Re: Suggestion: add a poll feature

Polls provide no value and would just clutter up the forum with unnecessary "polls only" posts and no real content.
by runner3081
Sat Mar 16, 2024 2:43 pm
Forum: Personal Consumer Issues
Topic: Yearly AC tune up?
Replies: 14
Views: 2138

Re: Yearly AC tune up?

We do filters every month and then 2x per year, hose the outside unit (in the coils, etc).
by runner3081
Fri Mar 15, 2024 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Am I Only One Who Hates Having Left Over Pennies
Replies: 53
Views: 4496

Re: Am I Only One Who Hates Having Left Over Pennies

Jack FFR1846 wrote: Fri Mar 15, 2024 8:28 pm
lazynovice wrote: Fri Mar 15, 2024 8:22 pm I thought this was going to be a post about your change jar.
....and how I take my pennies to the grocery store self checkout line, push "cash" for payment and put the pennies into the slot.
HAHA, I came here to suggest that same thing! Walked away disappointed.
by runner3081
Fri Mar 15, 2024 11:32 am
Forum: Personal Consumer Issues
Topic: Utilities cost?
Replies: 57
Views: 4390

Re: Utilities cost?

Cool for you, I guess? Literally, every single address could have different rates with cities, counties, utility companies, etc.

We live in SW.

Monthly W/S/G = $85
Monthly Electricity (AC, all else besides heating/water heater) = $100
Monthly Natural Gas (heating/water heater) = $40
by runner3081
Fri Mar 15, 2024 11:27 am
Forum: Personal Consumer Issues
Topic: Suggestions for mobile phone plans for a high schooler
Replies: 24
Views: 2058

Re: Suggestions for mobile phone plans for a high schooler

For our daughter, we have Tello, she uses Google Voice for calls and it is $6.00 per month for 2GB of data. She knows that watching videos, listening to music on data will burn up her allotment, in which, at that time, it just stops and she has to wait for the next month.

RE: Phone, just buy a mid-level Android phone, like a Motorola phone and put a parental app on there. The phone itself doesn't matter, all about finding a good control app. Though, for high school, not sure one is really needed.
by runner3081
Fri Mar 15, 2024 9:16 am
Forum: Personal Consumer Issues
Topic: Garmin Watches: do you wear it at night? if not, does it affect stats?
Replies: 33
Views: 2743

Re: Garmin Watches: do you wear it at night? if not, does it affect stats?

I have a Vivoactive 3. Never have turned on any sensors :)

Great battery life.
by runner3081
Thu Mar 14, 2024 8:04 pm
Forum: Personal Consumer Issues
Topic: "22 of the funniest novels since Catch-22" (acc. to the NYT)
Replies: 35
Views: 4056

Re: "22 of the funniest novels since Catch-22" (acc. to the NYT)

Haven't read a single one and don't plan on it. In general, have found that any NYT book suggestion is terrible.
by runner3081
Thu Mar 14, 2024 5:11 pm
Forum: Personal Consumer Issues
Topic: Quaker Oats Recall Coupons Pretty much Useless
Replies: 9
Views: 1139

Re: Quaker Oats Recall Coupons Pretty much Useless

Fry's/Kroger gave us a full refund.
by runner3081
Wed Mar 13, 2024 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Safe deposit box-have one? What's in there?
Replies: 115
Views: 10832

Re: What do you keep in your safe deposit box at bank?

No need for a safe deposit box.
by runner3081
Wed Mar 13, 2024 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare expense loan
Replies: 7
Views: 995

Re: Healthcare expense loan

I take the interest free installment payment plans for every single amount I am allowed to with medical providers.
by runner3081
Tue Mar 12, 2024 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Down HOA Loan or Invest?
Replies: 10
Views: 852

Re: Pay Down HOA Loan or Invest?

Cocoa Beach Bum wrote: Tue Mar 12, 2024 12:03 pm What does "HHI" mean? Why are you on the hook for a Homeowners Association loan? Are you the HOA's treasurer?
High Household Income, I believe.

RE: the loan - likely an assessment for significant work or a poorly run community with low reserves (outside of dues).
by runner3081
Sun Mar 10, 2024 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's your primary credit card?
Replies: 117
Views: 10614

Re: What's your primary credit card?

Fidelity Rewards 2%
by runner3081
Sun Mar 10, 2024 9:51 pm
Forum: Personal Consumer Issues
Topic: Any unusual medicare advantage benefits - I get $10 a month to exercise
Replies: 39
Views: 3837

Re: Any unusual medicare advantage benefits - I get $10 a month to exercise

Northern Flicker wrote: Sun Mar 10, 2024 8:47 pm
runner3081 wrote: Sun Mar 10, 2024 8:19 pm
Dregob wrote: Sun Mar 10, 2024 6:54 pm
runner3081 wrote: Wed Mar 06, 2024 2:45 pm Lots of denied claims.
From actual personal experience or "I heard".
Honestly wondering.
Work in healthcare, see it all of the time.
Denied claims or denied pre-approvals with MA?
A good mix of both.
by runner3081
Sun Mar 10, 2024 8:19 pm
Forum: Personal Consumer Issues
Topic: Any unusual medicare advantage benefits - I get $10 a month to exercise
Replies: 39
Views: 3837

Re: Any unusual medicare advantage benefits - I get $10 a month to exercise

Dregob wrote: Sun Mar 10, 2024 6:54 pm
runner3081 wrote: Wed Mar 06, 2024 2:45 pm Lots of denied claims.
From actual personal experience or "I heard".
Honestly wondering.
Work in healthcare, see it all of the time.
by runner3081
Sun Mar 10, 2024 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Cash Do You Keep In Your Home?
Replies: 207
Views: 15473

Re: How Much Cash Do You Keep In Your Home?

Roughly $600.

That includes the $330 I always keep in my wallet.

Always need a $20 here or there to give our daughter when she goes out.
by runner3081
Sat Mar 09, 2024 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Have any of you Frugal Zebras Changed Your (Spending) Stripes?
Replies: 139
Views: 12966

Re: Have any of you Frugal Zebras Changed Your (Spending) Stripes?

To be honest, I have no real interest in changing, being frugal is my most favorite hobby. Well, besides my reselling hobby.
by runner3081
Sat Mar 09, 2024 4:10 pm
Forum: Personal Consumer Issues
Topic: How much do you spend a month on food?
Replies: 336
Views: 30408

Re: What's normal for grocery costs for a family?

Holy crap... I would say that is abnormally high.

On the other hand, ours are abnormally low at <$300 per month for a family of three.

We don't eat out.
by runner3081
Sat Mar 09, 2024 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Is HCOLA better than LCOL??
Replies: 62
Views: 3452

Re: Is HCOLA better than LCOL??

Yes and No.

Some are, some aren't.

All depends on what meets your needs.
by runner3081
Fri Mar 08, 2024 12:11 pm
Forum: Personal Consumer Issues
Topic: Any unusual medicare advantage benefits - I get $10 a month to exercise
Replies: 39
Views: 3837

Re: Any unusual medicare advantage benefits - I get $10 a month to exercise

SevenBridgesRoad wrote: Thu Mar 07, 2024 10:18 pm
runner3081 wrote: Wed Mar 06, 2024 2:45 pm Lots of denied claims.
Sorry that’s been your experience. Multiple members of our extended family are on MA plans including me and my wife. Not one denied claim.
Actually, not old enough for Medicare, but work in healthcare and see the havoc it wreaks.
by runner3081
Thu Mar 07, 2024 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Pulling Out Retirement Early - Thoughts
Replies: 15
Views: 3134

Re: Pulling Out Retirement Early - Thoughts

Need more info, expenses, etc.
by runner3081
Wed Mar 06, 2024 10:41 am
Forum: Personal Consumer Issues
Topic: Selling used appliances
Replies: 9
Views: 941

Re: Selling used appliances

I make more money by pulling 2-3 parts off, selling on eBay and then bulk trash on the curb for the main appliance.

In fact, the last oven and dryer we bought were "free" after selling parts from the old units.
by runner3081
Tue Mar 05, 2024 7:31 am
Forum: Personal Consumer Issues
Topic: Plateaued with my 45 minute workout - Age 47
Replies: 90
Views: 7894

Re: Plateaued with my 45 minute workout - Age 47

I feel you. Just a bit younger and my mile times have lost about 45 seconds to 1 minute per mile over the past few years. I was running 7-730 per mile and now it is closer to 815. I actually stopped taking my GPS watch and only focus on distance, not time.
by runner3081
Mon Mar 04, 2024 5:16 pm
Forum: Personal Consumer Issues
Topic: A person shouldn't go through life without...
Replies: 6
Views: 1275

Re: A person shouldn't go through life without...

The need to see posts like this.
by runner3081
Mon Mar 04, 2024 9:17 am
Forum: Personal Consumer Issues
Topic: sauna or hot tub, which to get and why?
Replies: 52
Views: 4854

Re: sauna or hot tub, which to get and why?

Had a hot tub, got rid of it. Became sensitive to the chemicals and would cough up a lung every time I got in (bromine).

Looking to purchase a sauna now.
by runner3081
Mon Mar 04, 2024 5:51 am
Forum: Personal Consumer Issues
Topic: Getting new car
Replies: 53
Views: 6453

Re: Car Insurance Issues

Find a broker who does the shopping for you.
by runner3081
Sat Mar 02, 2024 3:25 pm
Forum: Personal Consumer Issues
Topic: Cigarette Smell In Now Former Rental Property
Replies: 26
Views: 2554

Re: Cigarette Smell In Now Former Rental Property

Ozone generator. Just be careful.
by runner3081
Sat Mar 02, 2024 11:21 am
Forum: Personal Consumer Issues
Topic: Products/Services with Automatic renewal
Replies: 22
Views: 1006

Re: Products/Services with Automatic renewal

jebmke wrote: Sat Mar 02, 2024 9:11 am I am avoiding them. I keep subscriptions to a minimum.
110% This.

We do the same thing.

No streaming subs, no gym, no Costco, no Amazon, no news (those are all free at library, both WSJ/NYT), no magazines (also free).

Only one we really have is AAA.
by runner3081
Sat Mar 02, 2024 8:42 am
Forum: Personal Consumer Issues
Topic: Credit Monitoring
Replies: 7
Views: 522

Re: Credit Monitoring

Negative, all offered free.
by runner3081
Fri Mar 01, 2024 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Pre-retirement: the "hurry up and wait" phase
Replies: 17
Views: 1858

Re: Pre-retirement: the "hurry up and wait" phase

Yeah, I feel you on this. Pushed hard, probably too hard, for FIRE and it is all I thought about for years and years. However, now that the numbers work, I am still burnt out from my job, but it starts getting easier and easier to work. I am pushing flexibility and taking my time to methodically figure out what I am going to retire to. Knowing that work doesn't matter (healthcare benefits w/ACA are not as solid as current options, but still an option to protect downside), makes it much more palatable and I don't let it bother me as much, especially the difficult decisions. If they gave me an assignment I didn't want, I would either give notice or ask to be reduced to part time. The thought of retiring right now, well, it is not appealing, I...
by runner3081
Thu Feb 29, 2024 1:08 pm
Forum: Personal Consumer Issues
Topic: Post your favorite websites
Replies: 6
Views: 1213

Re: Post your favorite websites

Slickdeals
by runner3081
Wed Feb 28, 2024 4:12 pm
Forum: Personal Consumer Issues
Topic: Do you pro-actively replace old SIM cards?
Replies: 14
Views: 2168

Re: Do you pro-actively replace old SIM cards?

Sim goes in new phone, gets thrown away when I upgrade.