Search found 926 matches

by runner3081
Mon Jan 15, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance: Who do you use? (Auto/Home)
Replies: 32
Views: 1620

Re: Insurance: Who do you use? (Auto/Home)

AAA for Home and Auto.

Stillwater for Umbrella.

Will ditch all three before the next renewal.
by runner3081
Mon Jan 15, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: Dow 30,000 S&P 3000, Nasdaq 10,000
Replies: 22
Views: 2301

Re: Dow 30,000 S&P 3000, Nasdaq 10,000

Who knows... who cares?
by runner3081
Sat Jan 13, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: What journalism are you currently reading?
Replies: 12
Views: 740

Re: What journalism are you currently reading?

Reuters only for non-financial news.

Bloomberg for financial and I have some sick addiction to checking Yahoo Finance, for whatever reason :)
by runner3081
Fri Jan 12, 2018 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: mlp's Master Limited Partnerships
Replies: 24
Views: 1428

Re: mlp's Master Limited Partnerships

Had one in a "play money" account as well. Got tired of dealing with the K-1 and sold it in December to be done with it.

It was: UNL United Sts 12 Month Natural Gas Fund

There are some MLP's that don't have a K-1, if I remember correctly.
by runner3081
Wed Jan 10, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Liability Issues with Organizing Meetup Events
Replies: 10
Views: 1260

Re: Liability Issues with Organizing Meetup Events

You can purchase special event policies for no more than $100 online. We have done this for parties and company functions before.
by runner3081
Wed Jan 10, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Did I need a lawyer after an accident?
Replies: 29
Views: 2577

Re: Did I need a lawyer after an accident?

Maybe I'm naive but in accident situations like this don't people who are injured just use their own insurance coverage so the bills get paid and then the insurance companies fight each other out to recover from the responsible driver? What am I missing? Or does one or more of the injured parties l...
by runner3081
Wed Jan 10, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Cars in college
Replies: 33
Views: 1390

Re: Cars in college

My decision with my college students and cars was an easy one: 1) If you are commuting to college you get a car. (What I save on paying more for room/board covers the car cost). 2) If you are living at college (and I am paying room/board) you don't get a car. Good points, though the city/college ca...
by runner3081
Wed Jan 10, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone Using ALLY Investment Account?
Replies: 2
Views: 395

Re: Anyone Using ALLY Investment Account?

I have an Ally Investment as my TradeKing account was converted. This was simply a "play" money account that has grown to about $7k. Trades are $4.95, I believe. YES, Play Money account before finding BH :) If I were to start a new investment account, it would not be Ally. Robinhood, etc all have fr...
by runner3081
Tue Jan 09, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Use HSA money or pay out of pocket?
Replies: 36
Views: 2825

Re: Use HSA money or pay out of pocket?

I am waiting to use ours and pay current expenses from cash flow. The longer the money sits in there, the more of a tax benefit we will see.
by runner3081
Tue Jan 09, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Minimizing effect of first speeding ticket
Replies: 28
Views: 2017

Re: Minimizing effect of first speeding ticket

Hi all, I recently received my first speeding ticket for going 12 mph over the highway speed limit. The officer kindly reduced my ticket, and it is listed that I was going 5 mph over the speed limit. I have no issue with paying the associated fine, but if the ticket affects my family's car insuranc...
by runner3081
Tue Jan 09, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 3918

Re: Men's no iron dress shirt recommendations

I haven't found any brands that cause issue. All of the way from cheap Kohl's ones to Brooks Brothers. The key is to pull it out of the dryer the MINUTE it stops, or use wrinkle guard.
by runner3081
Tue Jan 09, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Low mileage, but old, used car (service and reliabilty)
Replies: 20
Views: 1061

Re: Low mileage, but old, used car (service and reliabilty)

There are two downsides to driving a convertible, safety-wise.

1) Roll over protection
2) Blind spot

I have owned one and extensively driven another convertible. The blind spot is huge and makes me uncomfortable with the top up.
by runner3081
Sun Jan 07, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Stand Alone Umbrella Insurance
Replies: 37
Views: 2431

Re: Stand Alone Umbrella Insurance

We saw the same thing with Stillwater insurance for our 2018 renewal notice. For $1 million and no changes or events, it went from $160 to $200 AND THEN they now have a $30 policy fee they slap on top. Grand total is now $230, which is around a 45% yearly increase. AAA (where we have homeowners and ...
by runner3081
Sun Jan 07, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Does it make sense to try to "time" a first time home purchase?
Replies: 48
Views: 2137

Re: Does it make sense to try to "time" a first time home purchase?

Absolutely makes sense to time it... Time it and buy when you have found the area you want to stay in, have the money for 20% down and can comfortably afford the mortgage and other costs while continuing to fund your other financial goals. The other stuff is all noise. No one has a crystal ball. For...
by runner3081
Sat Jan 06, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 7343

Re: How much are you putting in a 529?

One child, age 5. We are putting in $50 per month. There is a state tax advantage. Our intent is not to fund her college expenses completely. We will pay 2 years tuition at a local community college, then 2 years of in-state tuition at a public school. Anything beyond is up to her (including room an...
by runner3081
Fri Jan 05, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Checking account balance relative to credit limit?
Replies: 8
Views: 562

Re: Checking account balance relative to credit limit?

That's what I thought, but in a recent FICO credit report it said "Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high" Checking accounts are not revolving accounts. You can have 1 million in the bank with a 520 score or owe 1 million and have ...
by runner3081
Fri Jan 05, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Checking account balance relative to credit limit?
Replies: 8
Views: 562

Re: Checking account balance relative to credit limit?

No, I don't have any preferred ratio of cash to credit balance. To me, the two are not related whatsoever.
by runner3081
Thu Jan 04, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: [How to determine budget for toys/luxuries?]
Replies: 41
Views: 2670

Re: [How to determine budget for toys/luxuries?]

As others have said, it is all about your goals.

My wife and I have an aggressive retirement goal and do not spend any money on toys. We are also minimalists, so that removes the need to really buy toys. We are happy with what we have.
by runner3081
Thu Jan 04, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Do you have a antivirus for you Android phone?
Replies: 20
Views: 1369

Re: Do you have a antivirus for you Android phone?

No, but I keep my phone very "light".

Only a few apps are actually loaded, most of what I do is go websites, not download the apps.
by runner3081
Thu Jan 04, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: PSA: H&R Block Deal of the Day on Amazon (1/4)
Replies: 15
Views: 1659

Re: PSA: H&R Block Deal of the Day on Amazon (1/4)

FYI - though the state return is included, there is a charge to e-file through H&R block on the state return.
by runner3081
Thu Jan 04, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 28
Views: 2724

Re: Airbnb - Guide a beginner

We have used VRBO 3 times and AirBnB 3 times. 2/3 times on VRBO, the hosts cancelled our reservation a couple of months out due to "calendar sync" issues. The other stay was great with no issues. The AirBnB experiences have all been great with no issues. We only rent our own area (no shared bedrooms...
by runner3081
Wed Jan 03, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: First HSA: Any Hints, Tips Or Tricks?
Replies: 6
Views: 681

Re: First HSA: Any Hints, Tips Or Tricks?

I save and backup electronic copies of my insurer's Explanation of Benefits statements and my HSA's transaction history for the year. Interesting, I don't keep any EOB's, only detailed receipts showing payment to stores and healthcare providers. They are stored by paper, on my computer and then Goo...
by runner3081
Wed Jan 03, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: First HSA: Any Hints, Tips Or Tricks?
Replies: 6
Views: 681

Re: First HSA: Any Hints, Tips Or Tricks?

bluerafters wrote:
Wed Jan 03, 2018 11:00 am
mcraepat9 wrote:
Tue Jan 02, 2018 11:46 pm
If you plan on keeping receipts forever, make sure you scan them in. They will fade if you expect to keep them in paper form.
10 years is the window for eligibility on a HSA, correct?
Incorrect, it is forever.

At least right now for today's contributions.
by runner3081
Wed Jan 03, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Anyone Port From Verizon To Red Pocket?
Replies: 10
Views: 834

Re: Anyone Port From Verizon To Red Pocket?

I have ported out of Verizon twice and both times were somewhat of a pain. The last one I did, to Google Voice took 4 days.

They are extremely slow and unresponsive/unwilling to help.
by runner3081
Tue Jan 02, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Phone Encryption
Replies: 4
Views: 520

Re: Phone Encryption

I can speak to this with experience. I had a Note 4 two years ago and was required to put an Airwatch App on there for work. As part of the requirement to check work email on the phone, it had to be encrypted. There was no noticeable slowdown following Android encryption. With that said, I did have ...
by runner3081
Tue Jan 02, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Contract and W2 Question
Replies: 3
Views: 223

Re: Contract and W2 Question

Hello - I would like the advice and thoughts of forum members on a work-related situation. I am 54 YO Semi-Retired. After 'retiring' from Mega-Corp in 2016 I started an IT Company providing Project Management and Cybersecurity consulting, working mainly from home. I currently have 2 contracts. For ...
by runner3081
Tue Jan 02, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for Homeowner's Insurance
Replies: 6
Views: 383

Re: Shopping for Homeowner's Insurance

The deductible does seem pretty low. Ours is at $5k and I think that is even too low.
by runner3081
Tue Jan 02, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed messed up my mortgage payment - again
Replies: 8
Views: 1054

Re: PenFed messed up my mortgage payment - again

mortfree wrote:
Mon Jan 01, 2018 9:36 pm
all the reason to not let a mortgage company collect the portion for property taxes and insurance. Assuming 20% down to waive escrow requirements.

So much easier and no headaches when you do it yourself.
Not always possible, however. Even with 20% down.
by runner3081
Tue Jan 02, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: My 2017 Budget
Replies: 35
Views: 3824

Re: My 2017 Budget

First off, congrats to the OP for having such a great budget. Some people disagree or have issues with it, but I think it is great. We are a family of 3 and clock in at $35,844.76. Housing (Utilities, Internet, HOA, Homeowners Ins): 17,981.88 Non-Medical Insurance (Term Life and Umbrella): $810.00 M...
by runner3081
Sun Dec 31, 2017 12:21 am
Forum: Personal Consumer Issues
Topic: Another car thread - old ones?
Replies: 14
Views: 935

Re: Another car thread - old ones?

Yes, bought an E36 M3 and had it for about 3 years. Drove it hard and enjoyed it. Bought it when I was working from home, then I started commuting and did it for a year (40 miles round trip). No issues at all. Still handles better than a large number of cars made today. It wasn't that fast, but it s...
by runner3081
Fri Dec 29, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pay 1099 assistant bonus?
Replies: 5
Views: 330

Re: Pay 1099 assistant bonus?

I think $1000 bonus on $20k salary is a perfectly fine bonus. You should give it to her if you feel she deserves it. I'm not sure about a 1099 bonus but most bonuses have a 25% tax rate, although I am not sure if it applies in this scenario. So essentially if you want to give a 1k bonus I would giv...
by runner3081
Fri Dec 29, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Checking your internet options can save you money
Replies: 9
Views: 1246

Re: Checking your internet options can save you money

This is well known, one to three calls can usually score a better deal. Nonetheless, a good reminder for some "free" money. I with the subject of your post was true and we truly had internet options. Ugh. Well, we have several plans to choose from at present on Viasat (my current provider) and coul...
by runner3081
Fri Dec 29, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Checking your internet options can save you money
Replies: 9
Views: 1246

Re: Checking your internet options can save you money

This is well known, one to three calls can usually score a better deal.

Nonetheless, a good reminder for some "free" money.

I with the subject of your post was true and we truly had internet options. Ugh.
by runner3081
Fri Dec 29, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Got myself an extra $200 today just by being observant
Replies: 25
Views: 5258

Re: Got myself an extra $200 today just by being observant

What do you mean by "listed?" You aren't paying list price for a car are you? I think this is what happened. Buyer (OP) goes to car dealer, buys the car. Goes home and looks at dealer's website and sees an internet only price (or similar) for $200 less than he paid. With that said, it sounds like t...
by runner3081
Fri Dec 29, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Suddenly my mortgage doesn't seem that great
Replies: 66
Views: 10532

Re: Suddenly my mortgage doesn't seem that great

Rich Cape Cod wrote:
Fri Dec 29, 2017 10:45 am
After reading through these posts I'm pleased to see that our tax code has been greatly simplified with these new changes.

Rich
I think the change from year to year is creating complication, not necessarily the new tax code itself.
by runner3081
Fri Dec 29, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: flood damaged cars?
Replies: 15
Views: 1458

Re: flood damaged cars?

It is really very simple.

Before you buy a car, take it to a trusted mechanic for an inspection. Once they have it up on the lift, it will be easy for them to spot flood/accident or other damage.

Well worth the $150ish.
by runner3081
Fri Dec 29, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Home loan calculations - 15 year vs 30 year
Replies: 8
Views: 684

Re: Home loan calculations - 15 year vs 30 year

I think that 7% is overly optimistic AND there is a fair amount of risk there. No risk in the loan savings. What your friend essentially did was turn down the opportunity to borrow money at a 1% interest rate to invest it. With that said, we have always gone 30-year loans in order to leave some cash...
by runner3081
Fri Dec 29, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Tax Act discount
Replies: 9
Views: 1107

Re: Tax Act discount

For TaxAct, it almost always pays to just wait. They offer some excellent deals in late March.
by runner3081
Thu Dec 28, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 40
Views: 2920

Re: Hyundai quality and reliability

Not exactly late model, but my dad has a 2005 Kia (sister company) Spectra with 225K miles. No major issues at all.

We had a 2007 Hyundai Sonata that only had a seat airbag issue (fixed under warranty), no mechanical issues.
by runner3081
Thu Dec 28, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 4617

Re: A Year of Extreme Frugality

Follow a plan: - Keep track of your expenses for a month. - Be precise. if you give $1 cash tip at a bar, note it in your log. - Organize your expenses by categories. - In an alert analytical state of mind review your normal pattern of expenses and decide which ones you want to cut. - Create a stra...
by runner3081
Thu Dec 28, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: gift cards - caveats
Replies: 41
Views: 1922

Re: gift cards - caveats

I really don't have an issue with prepaid cards. When they come in, we just pre-pay the internet bill for a few months.
by runner3081
Thu Dec 28, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: gift cards - caveats
Replies: 41
Views: 1922

Re: gift cards - caveats

These days, if I have a Visa gift card, I find it most useful to immediately buy an Amazon credit refill with the card. I never have to carry the gift card around, or get stuck with odd amounts on a split transaction. For us, this works well because we buy stuff at amazon frequently, and can easily...
by runner3081
Thu Dec 28, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Saving a little, here and there...
Replies: 21
Views: 3717

Re: Saving a little, here and there...

#notsohumblebrag

I save by dumpster diving for bubble wrap and going through bulk trash piles to find things.
by runner3081
Thu Dec 28, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Checkout 51 and Ibotta?
Replies: 2
Views: 334

Re: Checkout 51 and Ibotta?

I have seen some people use these and do well on rebates. We don't buy enough name brand items for it to make sense.
by runner3081
Thu Dec 28, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Good VPN?
Replies: 21
Views: 1963

Re: Good VPN?

I have been using Windscribe for a while. The free service will more than cover most people's needs.
by runner3081
Wed Dec 27, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Miata as second car
Replies: 94
Views: 3746

Re: Miata as second car

As a counter point, we had a 3rd "fun" car for a while. It ended up not being worth the time or expense. I never drove it, hated making repairs on it and wasn't a fan of the added insurance/licensing costs. Ended up selling it about 5-months ago. It was still fun to drive, but was not used enough to...
by runner3081
Wed Dec 27, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 249
Views: 34805

Re: Free Turbotax Premiere from Fidelity

Hmm, thanks for sharing, but nothing on my accounts.
by runner3081
Wed Dec 27, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Car/SUV - which to replace first
Replies: 22
Views: 1170

Re: Car/SUV - which to replace first

However sitting at a stoplight facing slightly uphill on snow pack, I would take my AWD any day over either of my vehicles with just 2WD. Getting stopped is only half the battle in slick conditions. Outside of the need for high clearance in deep snowfall, I have never been unable to make it to a de...
by runner3081
Wed Dec 27, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Cash on hand
Replies: 21
Views: 1115

Re: Cash on hand

nickjoy wrote:
Wed Dec 27, 2017 9:33 am
I like about $400-650 just in case I see something at a yard sale that I really want or is a good deal.
Funny to see that, same here!