Search found 1558 matches

by runner3081
Tue Sep 18, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Prepaid SIM card with longest expiration dates
Replies: 4
Views: 304

Re: Prepaid SIM card with longest expiration dates

PagePlus has 166 minutes for $10 with a 120-day expiration period.They use the Verizon Network, used them for 2-years in the past, no issues. 4G Pay-As-You-Go Plans3G Pay-As-You-Go Plans Plans Minutes Included Cost Per Minute Minutes Last For $10 166 MINUTES $0.06 120 days https://www.pagepluscellul...
by runner3081
Tue Sep 18, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Consumer Issue - Storage Unit Rental
Replies: 13
Views: 830

Re: Consumer Issue - Storage Unit Rental

Jack FFR1846 wrote:
Tue Sep 18, 2018 8:35 am
Honestly.....craigslist.....yard sale.....eBay. Unload the things that you need to store.
+100

Why people need to store stuff is beyond me as well.

Material possessions only cost you time and money.
by runner3081
Tue Sep 18, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: How to watch baseball playoffs without cable
Replies: 15
Views: 570

Re: How to watch baseball playoffs without cable

I use www.reddit.com you can find links to all sports and games there. Search in the search block.. ie.. MLBstreams, NFLstreams, GOLFstreams.. and it is all FREE! Not legal. Well... that is a slippery slope. The legal issue is with sharing, not necessarily watching. BUT if someone steals groceries,...
by runner3081
Sun Sep 16, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Verizon Wireless gift cards do expire
Replies: 3
Views: 389

Re: Verizon Wireless gift cards do expire

I am guessing that the card did not expire. Someone hacked card numbers, figured out the sequence, etc and USED the card before you could. This is somewhat common. According to Verizon, they do not expire. "No. Verizon Wireless gift cards don’t have an expiration date and aren’t subject to dormancy...
by runner3081
Sun Sep 16, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Verizon Wireless gift cards do expire
Replies: 3
Views: 389

Re: Verizon Wireless gift cards do expire

I am guessing that the card did not expire. Someone hacked card numbers, figured out the sequence, etc and USED the card before you could. This is somewhat common. According to Verizon, they do not expire. "No. Verizon Wireless gift cards don’t have an expiration date and aren’t subject to dormancy ...
by runner3081
Sun Sep 16, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: Parallels between investing and fantasy football?
Replies: 14
Views: 764

Re: Parallels between investing and fantasy football?

Trying to convert the players in my FF league into Bogleheads. What lessons can be drawn from both? Here’s one: there’s a reason you drafted that guy, stay the course! 🏈 It saves time and money to not actively get involved with either. Buy index funds in stead of individual stocks and don't play FF
by runner3081
Sat Sep 15, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 36
Views: 2305

Re: Solar Install w/ SolarCity

Interesting analysis. As others have mentioned, that is too long of a break-even to interest me. Here in Arizona, solar sounds great, but there is quite a penalty from the electric company (fees) for going with solar. We looked into it, but our relatively low use of AC would make the payoff even lon...
by runner3081
Sat Sep 15, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 300
Views: 51802

Re: What is your luxury good?

Honestly, nothing in the true sense of the word luxury. My wife and I have given up on pretty much anything that would even be considered a minor luxury. It is very relaxing to just live a simple life. This question is relative. Clean running water, sanitary living conditions and a job would be a lu...
by runner3081
Sat Sep 15, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 56
Views: 4925

Re: Job burnout - Keep grinding or change?

When is the last time you took a nice relaxing vacation? June of this year - 3 weeks. It was great. I felt like "myself" again. Took less than a month to feel the way I did before I left. A month? Wow, I feel like I never took a vacation about 3-days and 3K emails after returning. Work from home th...
by runner3081
Fri Sep 14, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Smart thermostat issue - do I redo the wiring or add a transformer?
Replies: 14
Views: 1046

Re: Smart thermostat issue - do I redo the wiring or add a transformer?

I would really explore the value of a "smart" thermostat. We have been using one for about a year and honestly, I could live without it.
by runner3081
Fri Sep 14, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Grocery Store Comparison App
Replies: 9
Views: 793

Re: Grocery Store Comparison App

GasBuddy for Groceries :)
by runner3081
Fri Sep 14, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 56
Views: 4925

Re: Job burnout - Keep grinding or change?

UncleBogle wrote:
Fri Sep 14, 2018 5:39 am
djpeteski wrote:
Fri Sep 14, 2018 5:37 am
When is the last time you took a nice relaxing vacation?
June of this year - 3 weeks. It was great. I felt like "myself" again. Took less than a month to feel the way I did before I left.
A month? Wow, I feel like I never took a vacation about 3-days and 3K emails after returning.
by runner3081
Thu Sep 13, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: How would you market cleaning service to AirBnB owners?
Replies: 8
Views: 894

Re: How would you market cleaning service to AirBnB owners?

TropikThunder wrote:
Thu Sep 13, 2018 8:23 pm
runner3081 wrote:
Thu Sep 13, 2018 2:40 pm
texasdiver wrote:
Thu Sep 13, 2018 1:45 pm
Would you just click on each listing and send the owner a message?
I would absolutely not do this.
That's really unhelpful unless you explain why you would not do this.
Ok, the reason = you are spamming people.

I thought that was obvious, sorry.
by runner3081
Thu Sep 13, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: How would you market cleaning service to AirBnB owners?
Replies: 8
Views: 894

Re: How would you market cleaning service to AirBnB owners?

texasdiver wrote:
Thu Sep 13, 2018 1:45 pm
Would you just click on each listing and send the owner a message?
I would absolutely not do this.

How about NextDoor or Craiglist?
by runner3081
Thu Sep 13, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 50
Views: 2812

Re: WSJ print edition renwal time - any discounts?

misterno wrote:
Thu Sep 13, 2018 9:41 am
WSJ has been free for many years

just change the date at the end

online.wsj.com/public/resources/documents/print/WSJ_-A001-20171104.pdf
Interesting. Sort of a pain, having to type each page number, but it is free.
by runner3081
Wed Sep 12, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 1836

Re: 1 year old birthday

kelvan80 wrote:
Wed Sep 12, 2018 12:01 pm
Any parks close by with pavilions?
Good idea.

We did that for birthdays 1-5. At age 6 we switched to the Pizza Place with arcade games. Much easier and not too expensive.
by runner3081
Tue Sep 11, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track your medical expenses for future HSA withdrawals?
Replies: 3
Views: 362

Re: How do you track your medical expenses for future HSA withdrawals?

1) Google Sheet with Itemized expenses
2) Detailed receipts (not EOB) kept 1) Paper File, Google Drive and Computer HDD.
by runner3081
Tue Sep 11, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: "How am I doing?" & what to do with 12 month of saved expenses
Replies: 5
Views: 632

Re: "How am I doing?" & what to do with 12 month of saved expenses

student wrote:
Tue Sep 11, 2018 8:05 am
MrMoneySmith wrote:
Mon Sep 10, 2018 11:07 pm
I am 33 and my wife(DW?-still unsure what that means) is 30 and we have a 2 yr old.
I think it means "Dear Wife." I think you are doing fine. I would probably give one year of expense liquid and in a high yield saving account or a money market mutual fund.
Or possibly "Dreaded Wife"
by runner3081
Mon Sep 10, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 9705

Re: Anyone else not save for cars?

LiterallyIronic wrote:
Mon Sep 10, 2018 10:33 am
I don't, because I buy clunkers. I just take the cash from my emergency fund to buy a car and then build the emergency fund back up.

At only 150,000 miles, you should be able to get at least 50,000 more out of it, I would hope.
Same here!
by runner3081
Mon Sep 10, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 70
Views: 5108

Re: Amazon Prime - Value?

We have been Prime Members for many years. However, with the latest bump to $120+tax, we will not be renewing next year. Initially, we were watching many of their Prime Video shows and other items, but we just don't watch TV anymore. When you put the whole "add-on" program items on top of that, it d...
by runner3081
Sun Sep 09, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly cost of air conditioning?
Replies: 23
Views: 2121

Re: Hourly cost of air conditioning?

Here is a single data point for you.

Going from a 20 year old unit to a new one with a 14 SEER rating has dropped our bill significantly. We are seeing a monthly reduction of $80-$100 with the same indoor temp settings and pretty similar weather (during peak season June, July, August, Sep).
by runner3081
Sun Sep 09, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Outdoor carpet recommendations
Replies: 5
Views: 306

Re: Outdoor carpet recommendations

Roll up the part that is in the sun when not in use?
by runner3081
Sun Sep 09, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: car purchase feedback experience
Replies: 20
Views: 1169

Re: car purchase feedback experience

This happened to me about 7 years ago at a BMW dealership. Came in for service, received a corporate email survey. Gave them an "8". Received a call and asked what they could do to earn a "10".
by runner3081
Sat Sep 08, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Older Toyota/Honda/Similar owners: How often do you clean your car?
Replies: 36
Views: 2102

Re: Older Toyota/Honda/Similar owners: How often do you clean your car?

2005 Infiniti G35.

I have owned it 2.5 years, it has been washed one time - that was when it came with an oil change for free.

Vacuumed 3-times, total.
by runner3081
Sat Sep 08, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2187

Re: Video Game Collection

NextMil wrote:
Sat Sep 08, 2018 5:40 pm
Baseball cards lost their value pretty quickly. I would sell.
The overproduced ones did. The 1950's and around there are very strong right now. Like anything else, it is cyclical.
by runner3081
Sat Sep 08, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Question about Amazon exchanges
Replies: 5
Views: 577

Re: Question about Amazon exchanges

Have never seen that before, personally.
by runner3081
Sat Sep 08, 2018 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare sharing programs
Replies: 19
Views: 1058

Re: Healthcare sharing programs

Make sure to know exactly what you are buying. We see patients (not an MD, on the admin side) with these plans come in every once in a while and it always ends up being a bit messy and frustrating for the patient because they have no clue what they signed up for. The ones I have seen are essentially...
by runner3081
Fri Sep 07, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with Transamerica 401K
Replies: 9
Views: 850

Re: Need help with Transamerica 401K

C35rls wrote:
Fri Sep 07, 2018 6:47 pm
Hello,

I have a Transamrica 401K plan that i have no clue whats going on. Somehow all of the funds 33Kare in T.Rowe Price retirement 2050 Ret Opt and i dont remember picking that.
Typically, when you don't make an election of where your funds go, they end up in a target date fund.
by runner3081
Thu Sep 06, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: eBay Leaving Negative Feedback
Replies: 27
Views: 2444

Re: eBay Leaving Negative Feedback

Agreed with the sentiment on here. If they make it right, no need for negative feedback. Things happen, mail gets lost, things stop working, etc that are not in the seller's control.
by runner3081
Wed Sep 05, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Elderly (innocent) relative received this horrible email
Replies: 51
Views: 5779

Re: Elderly (innocent) relative received this horrible email

All of these are spam. Best part is to take two sentences, copy them and Google it. It will hit, as this one did.
by runner3081
Wed Sep 05, 2018 4:51 am
Forum: Personal Finance (Not Investing)
Topic: Google's secret deal with MasterCard to buy all your CC transactions
Replies: 25
Views: 3084

Re: Google's secret deal with MasterCard to buy all your CC transactions

How can we pressure MasterCard to stop this? That is simple. Don't use a MasterCard logo card. However, the word privacy today means something far different than it did 20 years ago. You would need to forfeit many modern conveniences to even TRY to protect whatever is left of your privacy. I guess,...
by runner3081
Wed Sep 05, 2018 4:48 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score [What changes your credit score?]
Replies: 42
Views: 3329

Re: Credit Score

Credit score = debt score. I think its crazy how lenders us a debt score to justify you worthy of paying back money to them... It should be completely opposite of how it works. Well, let's be honest, if you pay off your debt in advance you are not an attractive borrower. It makes sense to me. Besid...
by runner3081
Tue Sep 04, 2018 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: Does a 529 plan even make sense given the fees?
Replies: 5
Views: 495

Re: Does a 529 plan even make sense given the fees?

Ohio plan user here. No fees for the account, Vanguard funds available.
by runner3081
Tue Sep 04, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: HVAC annual contracts vs yearly annual cleaning
Replies: 32
Views: 2189

Re: HVAC annual contracts vs yearly annual cleaning

Yearly visits are not needed. Just clean the outside unit and have them inspect every 3 or so years.
by runner3081
Tue Sep 04, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Chase savings question
Replies: 6
Views: 797

Re: Chase savings question

Why do you need a savings account at Chase? The interest rates are terrible anyways. We do exactly what you are proposing. Chase is a local branch for depositing cash and for notary, etc when needed. We keep $1500.01 ( to be safe) in a checking account and use it to transfer in and out from Ally, wh...
by runner3081
Mon Sep 03, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Tax Deductions
Replies: 46
Views: 3427

Re: Charitable Tax Deductions

I am happy to no longer be logging my clothing and household donations. Huge time saver!
by runner3081
Mon Sep 03, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for an 87-year-old?
Replies: 36
Views: 2108

Re: Advice for an 87-year-old?

I would let it be. [OT comment removed by admin LadyGeek]
by runner3081
Mon Sep 03, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4569

Re: How much do you spend on kids extracurriculars?

Grand Total - $177 per year.

$162 - Year round ballet classes, 1x per week - Through the local parks and rec department. $27 every 2-months.

$15 - Ballet tights and ballet shoes

Based on the numbers OP, you have picked some expensive activities. Sailing?
by runner3081
Mon Sep 03, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Buy new (likely new to me) car while I can afford it?
Replies: 14
Views: 827

Re: Buy new (likely new to me) car while I can afford it?

All, We drive a 2006 CRV with 133K. It runs fine, likely needs brakes and tires by year end. Our combined income is about $200K. We both suffer from job insecurity. Though mine much less secure than hers. I'm 56 DW is 51. I've been think I should get a newer (or new) auto while we can afford one. I...
by runner3081
Sun Sep 02, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Car Painting
Replies: 22
Views: 1405

Re: Car Painting

If you just want it for aesthetics, could always look into a wrap. A what? That sounds like putting plastic on the car or something? A vinyl wrap, very popular these days. Can be placed and removed with no damage. 3M is one of many manufacturers. https://www.3m.com/3M/en_US/graphics-signage-us/1080...
by runner3081
Sat Sep 01, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Car Painting
Replies: 22
Views: 1405

Re: Car Painting

If you just want it for aesthetics, could always look into a wrap. A what? That sounds like putting plastic on the car or something? A vinyl wrap, very popular these days. Can be placed and removed with no damage. 3M is one of many manufacturers. https://www.3m.com/3M/en_US/graphics-signage-us/1080...
by runner3081
Sat Sep 01, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Car Painting
Replies: 22
Views: 1405

Re: Car Painting

If you just want it for aesthetics, could always look into a wrap.
by runner3081
Sat Sep 01, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do you take advantage of all identity monitoring offers?
Replies: 20
Views: 1082

Re: Do you take advantage of all identity monitoring offers?

As other have said, the monitoring services are a waste. I do not use any of them. Once the new federal law about tax free credit freezes goes into place in a few weeks, we will freeze all lines. I had not heard. What's this about? https://www.consumer.ftc.gov/blog/2018/06/free-credit-freezes-are-c...
by runner3081
Sat Sep 01, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you take advantage of all identity monitoring offers?
Replies: 20
Views: 1082

Re: Do you take advantage of all identity monitoring offers?

As other have said, the monitoring services are a waste. I do not use any of them.

Once the new federal law about tax free credit freezes goes into place in a few weeks, we will freeze all lines.
by runner3081
Sat Sep 01, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Wiring the Home With Ethernet: What to Buy
Replies: 54
Views: 3203

Re: Do-It-Yourself Wiring the Home With Ethernet: What to Buy

Pancakes-Eggs-Bacon wrote:
Sat Sep 01, 2018 12:47 am
unclescrooge wrote:
Sat Sep 01, 2018 12:28 am
I think you'll save time and money creating a Google mesh network.

Or are you looking at this as a hobby?
Plus, it should increase the value of the house.
Unfortunately, it will not. There will be a $0 gain in value.
by runner3081
Fri Aug 31, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 6819

Re: Daily Driver (Car) Over 100K Miles?

My last car was a daily driver until 244K miles. It was a 1998 BMW M3. Currently, my wife and I have vehicles in the 120K range. Looking to reach 200K miles on each. Then, once there or close, a transmission or motor replacement would have us move on, assuming they still run fine. Otherwise, we main...
by runner3081
Fri Aug 31, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: PSA: Free Sirius/XM Broadcasting through Sept 10
Replies: 19
Views: 1741

Re: PSA: Free Sirius/XM Broadcasting through Sept 10

Do people really find the satellite radio to be a good purchase? I lucked out and bought a little Stiletto unit at a garage sale a couple of years ago for $10. Just so happens that it is one of the units that came with a lifetime sub. I have used it off and on, but aren't super impressed with the c...
by runner3081
Fri Aug 31, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: PSA: Free Sirius/XM Broadcasting through Sept 10
Replies: 19
Views: 1741

Re: PSA: Free Sirius/XM Broadcasting through Sept 10

Do people really find the satellite radio to be a good purchase? I lucked out and bought a little Stiletto unit at a garage sale a couple of years ago for $10. Just so happens that it is one of the units that came with a lifetime sub. I have used it off and on, but aren't super impressed with the ch...
by runner3081
Fri Aug 31, 2018 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Paid off Mortgage
Replies: 6
Views: 880

Re: Paid off Mortgage

But HO insurance needs to know there is no mortgage. Otherwise, the payable party would be the bank.
by runner3081
Thu Aug 30, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Free alternatives to System Mechanic on PC...
Replies: 4
Views: 395

Re: Free alternatives to System Mechanic on PC...

Do you really need System Mechanic? At home we've got three desktops all running Windows. We rely on Windows Defender for anti-virus protection and run the free version of Ccleaner https://www.ccleaner.com/ to clean up loose ends. The most helpful things to avoid windows PC problems is have multipl...