Search found 766 matches

by runner3081
Fri Nov 17, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Is dent repair service worth it?
Replies: 17
Views: 1333

Re: Is dent repair service worth it?

You very well may not get the "money back" in a sale, but it will likely sell faster.
by runner3081
Fri Nov 17, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Questions for Boglehead runners
Replies: 28
Views: 1316

Re: Questions for Boglehead runners

In fifth grade, I vowed to run every single day without fail -- a promise I kept until recently when I had a minor injury (not from running). But I'm back in the groove. Just curious, how long of a streak was this? This article is a bit dated (2-3 years old, I believe), but I thought it was a good ...
by runner3081
Fri Nov 17, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Questions for Boglehead runners
Replies: 28
Views: 1316

Re: Questions for Boglehead runners

1) How much do you spend each year on running, including gear/shoes, entry fees, PT, travel, etc.? $225 on 4 pairs of shoes. Nothing else needed. I have done 4-5 races in the past, it doesn't excite me to pay for something I can do for free near home 2) How do you fit the miles into your presumably ...
by runner3081
Wed Nov 15, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Wall Street Journal - What Gives?
Replies: 7
Views: 1601

Re: Wall Street Journal - What Gives?

I made it through myself, wife, daughter and one cat on the air miles free subs.

It stopped with the second cat and they won't let me get it for free anymore.
by runner3081
Wed Nov 15, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Keep old cards active by paying yourself?
Replies: 20
Views: 2192

Re: Keep old cards active by paying yourself?

How about a $1 Amazon Gift Card?
by runner3081
Wed Nov 15, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Maui Jim Sunglasses (or similar quality)
Replies: 14
Views: 1055

Re: Maui Jim Sunglasses (or similar quality)

Absolutely love my MJ's. Bought them 4 years ago, have dropped them many times and they have not scratched.

They were $89.99 at Costco in Arizona.

The only problem I have had is that the little "sweat guard" near the forehead fell off and they don't have any replacements.
by runner3081
Tue Nov 14, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Mozilla Firefox Donations?
Replies: 19
Views: 1518

Re: Mozilla Firefox Donations?

I ditched FF for Opera a year ago. It was a great move.
by runner3081
Tue Nov 14, 2017 1:20 pm
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 67
Views: 4197

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

Some penny Marijuana stocks. No point of selling them.

Prior to BH days.
by runner3081
Tue Nov 14, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 44
Views: 2290

Re: Paying for news?

All online, all Reuters and a few local TV News sites.

Reuters is free and mostly unbiased.
by runner3081
Tue Nov 14, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7121

Re: Personal letters to the sellers of your house can work!!!

The sellers were adamant on us waiving that in our current house. Realtor said no big deal - get an inspection done and then decide, based on that if you want to buy or not. There are still plenty of "outs" in the contract with a full return of earnest money. The only outs we (and I would expect mo...
by runner3081
Tue Nov 14, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7121

Re: Personal letters to the sellers of your house can work!!!

The sellers were adamant on us waiving that in our current house. Realtor said no big deal - get an inspection done and then decide, based on that if you want to buy or not. There are still plenty of "outs" in the contract with a full return of earnest money. The only outs we (and I would expect mo...
by runner3081
Tue Nov 14, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7121

Re: Personal letters to the sellers of your house can work!!!

Never say never, but I am 99% certain I will never: make an offer above asking price or waive inspection contingency. Those are two things I'm just not comfortable with and I'm willing to miss out on any house that requires it. Waiving the inspection contingency really only "locks" in your purchase...
by runner3081
Tue Nov 14, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Better way to get rid of old fridge?
Replies: 38
Views: 2344

Re: Better way to get rid of old fridge?

Honestly, I would put it on Craigslist for $10.

In my area, someone would buy it within an hour.
by runner3081
Mon Nov 13, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: Buying a new smartphone as a surprise gift
Replies: 8
Views: 689

Re: Buying a new smartphone as a surprise gift

Absolutely do not do this! Unless, of course, you will also pay the additional monthly cost for them! Keep in mind that this person may have been on Verizon for at least a few years and may have the old basic phone plan. By moving to the iPhone or any other smartphone, their bill could increase sign...
by runner3081
Mon Nov 13, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance
Replies: 6
Views: 606

Re: Umbrella insurance

Stillwater Insurance.
by runner3081
Sun Nov 12, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Use or Lose $850 from Limited Expense FSA
Replies: 36
Views: 1635

Re: Use or Lose $850 from Limited Expense FSA

motorcyclesarecool wrote:
Sun Nov 12, 2017 9:52 am
Vision and dental expenses only, as I noted in the OP.
Sorry, didn't see that.
by runner3081
Sun Nov 12, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Use or Lose $850 from Limited Expense FSA
Replies: 36
Views: 1635

Re: Use or Lose $850 from Limited Expense FSA

Chip wrote:
Sun Nov 12, 2017 9:38 am
I don't know if this is legal or not, but if it is perhaps you could prepay the dentist for the eventual root canal/crown.
Not allowed, it is based on service date, not payment date.
by runner3081
Sun Nov 12, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Use or Lose $850 from Limited Expense FSA
Replies: 36
Views: 1635

Re: Use or Lose $850 from Limited Expense FSA

Heating pads, blood pressure monitors, condoms etc: https://fsastore.com/FSA-Eligibility-List.aspx FSA Eligible Medical Items - That DO NOT require a Doctor's Prescription FSA eligible products designated with this symbol can be purchased with an FSA card and do not require a prescription to be reim...
by runner3081
Fri Nov 10, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Equity Line Of Credit ??.......
Replies: 16
Views: 1333

Re: Equity Line Of Credit ??.......

- I am thinking of taking up on the offer of my local banker, and opening a EQUITY LINE OF CREDIT on my paid up house. I do not need any money now or foreseeable future as I have enough cash in the bank. He said it will be set up at no cost to me for Home Appraisal & paper work etc... I can just ke...
by runner3081
Thu Nov 09, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: messages to mobile hotspot?
Replies: 8
Views: 516

Re: messages to mobile hotspot?

Could also buy a cheap prepaid phone that has a GPS and use it for navigation (no service needed). Download offline maps on Wi-Fi and use when driving. I do this on my tablet. I am amazingly ignorant about all this stuff, but I don't think that would solve my Internet access when a power failure ha...
by runner3081
Thu Nov 09, 2017 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: How old are you and what size is your portfolio?
Replies: 33
Views: 4100

Re: How old are you and what size is your portfolio?

Humble brag thread coming...

I am an age and have an amount of money in our portfolio.
by runner3081
Thu Nov 09, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Where to allocate a $20,000 emergency fund
Replies: 16
Views: 1528

Re: Where to allocate a $20,000 emergency fund

No penalty CD or cash in an online savings account.

Don't do anything else with it.

Also, you can search for emergency fund on the forum and see hundreds, if not, thousands of posts :)
by runner3081
Thu Nov 09, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: messages to mobile hotspot?
Replies: 8
Views: 516

Re: messages to mobile hotspot?

Could also buy a cheap prepaid phone that has a GPS and use it for navigation (no service needed). Download offline maps on Wi-Fi and use when driving. I do this on my tablet.
by runner3081
Thu Nov 09, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Best Approach for Purchasing Many Furnishings
Replies: 27
Views: 1676

Re: Best Approach for Purchasing Many Furnishings

Craigslist, Offerup, Letgo, etc.

Stick with a few smaller pieces that are inexpensive to start. As you move into a more permanent situation, you can buy nicer furniture. Having nice stuff now makes no sense. Every time you move, that furniture gets a little bit weaker and weaker.
by runner3081
Thu Nov 09, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Cable switching thought exercise
Replies: 15
Views: 874

Re: Cable switching thought exercise

Sounds easier (and cheaper) to just cancel cable and go without :) It is an interesting thought though. I doubt that would work for us down here for Cox, because the property address is important. With that said, completely terminating an account in one name and starting in another might just work. ...
by runner3081
Thu Nov 09, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Equity Line Of Credit ??.......
Replies: 16
Views: 1333

Re: Equity Line Of Credit ??.......

- I am thinking of taking up on the offer of my local banker, and opening a EQUITY LINE OF CREDIT on my paid up house. I do not need any money now or foreseeable future as I have enough cash in the bank. He said it will be set up at no cost to me for Home Appraisal & paper work etc... I can just ke...
by runner3081
Wed Nov 08, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 151
Views: 12601

Re: How old are you and how much do you save for retirement a year

Age 36, saving $56K per year.

Max 401K, Max HSA, Max Roth x2 (non-working spouse) and then after-tax for the rest.

This is >50% of Gross.
by runner3081
Tue Nov 07, 2017 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insruance Payment
Replies: 29
Views: 1501

Re: Auto Insruance Payment

We have AAA, paid yearly (with a 2% CB card). There is a monthly payment option, but they charge a couple of dollars per payment that way.
by runner3081
Tue Nov 07, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Need input: minor rear fender bender with a veteran
Replies: 14
Views: 1866

Re: Need input: minor rear fender bender with a veteran

3-months ago, someone backed into me at a light (yeah, weird). Turns out she was someone else who worked at my company. Cracked my bumper a bit and the paint cracked as well. She begged me to let her take care of it, I told her to not worry about it. It was only my beat up commuter car, no need to i...
by runner3081
Tue Nov 07, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Using my and spouse's Chase Reserve travel credit for hotel gift card/future hotel stay
Replies: 3
Views: 568

Re: Using my and spouse's Chase Reserve travel credit for hotel gift card/future hotel stay

Go to flyertalk.com.

The experts are there (or at least infinitely more of them), not here.
by runner3081
Tue Nov 07, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth it to graduate 1 semester sooner if it costs MORE?
Replies: 9
Views: 726

Re: Is it worth it to graduate 1 semester sooner if it costs MORE?

From personal experience, I would go for it. I was working full time and finished my MBA in a short period of time by loading up on courses (even had to appeal to the school to finish so many credits in 1-year). I missed extra tuition reimbursement due to that. It was a real pain and at one point I ...
by runner3081
Tue Nov 07, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Am I doing HSA wrong?
Replies: 12
Views: 1214

Re: Am I doing HSA wrong?

I believe I miss out on the FICA reduction and the upfront tax savings, but at tax time I would get the tax deduction after the fact. $2,500 is shown on my W-2 as being contributed by my employer. Correct, you are missing on the triple-tax benefit of an HSA this way. You never get the full amount b...
by runner3081
Tue Nov 07, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Black Friday Deals/Holiday Gift Ideas
Replies: 53
Views: 6524

Re: Black Friday Deals/Holiday Gift Ideas

I feel just awful when I got something (even bought it for myself) and then throw it away or give it away -- making me resolve not to buy so many things in future. I feel the same way. My wife and I have started to seriously clean out the house. It is a bit of a bummer to think that all of the stuf...
by runner3081
Tue Nov 07, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Black Friday Deals/Holiday Gift Ideas
Replies: 53
Views: 6524

Re: Black Friday Deals/Holiday Gift Ideas

We are working hard to convince our families to end adult gift giving. Such an unnecessary thing. It seems like just about every Christmas I bring this up with my family but it never seems to get any traction. It's kinda hard to convince people to stop partaking in a tradition that they enjoy. :? M...
by runner3081
Tue Nov 07, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: My Dad's slides
Replies: 21
Views: 2406

Re: My Dad's slides

Put them in the basement or garage in a place that might flood if there is a heavy storm. When that happens, throw them out because they are ruined. Really, turning physical clutter to electronic clutter doesn't help me much. It's ok to let it go. It's ok to get them digitized, too, but think about...
by runner3081
Tue Nov 07, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: How Much should I fund my HSA and Why?
Replies: 21
Views: 1813

Re: How Much should I fund my HSA and Why?

Don't let tax-advantaged savings go to waste! Fund it all! Hopefully "tongue in cheek". $62k less taxes leaves $53k - $18k to 401k, $2,800 to HSA, $5,500 to Roth, put the other $26k in taxable. $0 to live on. :wink: :wink: 100% savings! Why put anything in taxable? Max out tax-advantaged and then l...
by runner3081
Tue Nov 07, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: How Much should I fund my HSA and Why?
Replies: 21
Views: 1813

Re: How Much should I fund my HSA and Why?

mfc8c8 wrote:
Mon Nov 06, 2017 5:29 pm
runner3081 wrote:
Mon Nov 06, 2017 5:25 pm
Don't let tax-advantaged savings go to waste!

Fund it all!
I understand that much, but since there is no way I can fund my 401k, Roth IRA, and HSA fully, is there any reason to do an HSA rather than the others?
401K to match
HSA
401K to limit

Would be my order if I had to choose.
by runner3081
Mon Nov 06, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: How Much should I fund my HSA and Why?
Replies: 21
Views: 1813

Re: How Much should I fund my HSA and Why?

Don't let tax-advantaged savings go to waste!

Fund it all!
by runner3081
Mon Nov 06, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 4
Views: 424

Re: HSA question

grap0013 wrote:
Mon Nov 06, 2017 5:00 pm
Shoot, one more question, is the limit for 2018 based on the above $6900 or $3450? I assume the former since she can use it for the entire family?
$3,450, she is only covering herself on the plan.
by runner3081
Mon Nov 06, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Anyone understand Permanent Press washing machine cycle?
Replies: 7
Views: 790

Re: Anyone understand Permanent Press washing machine cycle?

I have been using it my entire clothes-washing life - I have never, ever used other cycles.

Why? Because that is always what my mom used.

Does it do anything fancy? Who knows, but my clothes have been clean upon coming out!
by runner3081
Mon Nov 06, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 4
Views: 424

Re: HSA question

grap0013 wrote:
Mon Nov 06, 2017 2:52 pm
Spouse can use her HSA dollars to pay for myself and kids copays even though we are not on her plan correct?
Yes, correct.
by runner3081
Mon Nov 06, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Mold Discovered in Potential House Purchase
Replies: 27
Views: 2773

Re: Mold Discovered in Potential House Purchase

As someone else mentioned, mold is everywhere. First thing to do is to test the type of mold and go from there. Ultimately, I would go for price concessions and remedy the mold myself and would not trust a seller to do so. They will simply find the cheapest possible way to check that item off of the...
by runner3081
Mon Nov 06, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 4715

Re: Poll-How much do you have in your HSA?

Ahh, yes. Good old fashioned humble brag thread :)

Started mid 2012, $35K. Took a thousand out the first year.
by runner3081
Mon Nov 06, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Replace battery Bushnell golf watch GPS
Replies: 1
Views: 150

Re: Replace battery Bushnell golf watch GPS

Sure, give it a try and crack it open, but realize that it might be difficult/impossible to find a rechargeable battery replacement. If that fails, I would look for another product (not necessarily golf specific - any smartwatch will work with a number of apps for iOS or Android). First off though, ...
by runner3081
Mon Nov 06, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 9571

Re: Disposable income... how?

Life is too short to worry or care about what others spend (most people are leveraged to the max, but others may have inheritances, trusts, etc). Do what makes you happy. It is clear that your budget is too restrictive for you and you are miserable (at least it feels that way). Perhaps scale the sav...
by runner3081
Mon Nov 06, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: sell of taxable account to pay off debts?
Replies: 16
Views: 1056

Re: sell of taxable account to pay off debts?

Who says you are selling high? What if the market doubles in the next 2-months? For all we know, this is the bottom of the market.
by runner3081
Mon Nov 06, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4279

Re: I Cut the Cord yesterday!

Congrats! We are going on about 5-years now. We went with an antenna and that was it ($19.99 one-time from Amazon). We also watch some Amazon Prime videos, but subscribe to Prime for the shipping, not the TV.

Our next goal? I want to get rid of remaining TV set in the house.
by runner3081
Mon Nov 06, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP+HSA, why mix insurance and investments???
Replies: 21
Views: 1266

Re: HDHP+HSA, why mix insurance and investments???

You are healthy until you are not. Any investment outcome is always unpredictable and so is your health. Combining these two might lead to disaster when you really need money for. That is why most people investing all or part of their HSA funds have one or more of the following strategies: 1) pay f...
by runner3081
Mon Nov 06, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Simulating impact of W-4 changes?
Replies: 5
Views: 364

Re: Simulating impact of W-4 changes?

TLC wrote:
Mon Nov 06, 2017 11:41 am
I currently use a spreadsheet, but I used https://www.paycheckcity.com/calculator/salary/ in the past with great success.
Ditto - this is a great site.
by runner3081
Sun Nov 05, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Have Opportunity Funds?
Replies: 2
Views: 320

Re: Do Bogleheads Have Opportunity Funds?

Yes, my emergency fund.

Could drain that and then rebuild with cash flow. If an emergency hits following the opportunity, then I would sell off some taxable ETF's to cover the emergency.

Honestly, our entire portfolio is a opportunity fund.