Search found 1706 matches

by runner3081
Fri Dec 14, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 46
Views: 2284

Re: Favorite Purchase of 2018?

Truly "buying" our house by paying off the mortgage.
by runner3081
Thu Dec 13, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle? Passive Income?
Replies: 23
Views: 2032

Re: Side Hustle? Passive Income?

Buy stuff at garage sales and resell online.
by runner3081
Wed Dec 12, 2018 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 379
Views: 37060

Re: What types of jobs do Bogleheads have?

Jobs from age 10: Newspaper delivery Boeing Intern Warehouseman Grocery Bagger Front Desk Clerk Tennis Racket Stringer High School Tennis Coach Customer Service Rep (Call Center) Office Manager Phone Sales Associate International Peer Advisor (think, RA for Japanese students) Resident Advisor Video...
by runner3081
Wed Dec 12, 2018 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Pot Stocks
Replies: 6
Views: 746

Re: Pot Stocks

If you want to truly gamble, go for it. Otherwise, not sound investing at the moment.

Pre-BH, I thought, why not?

Growlife (PHOT)

Per Share Info
Purchase Price: $0.37
Current Value: $0.0099

Now, well, it is all index funds.
by runner3081
Wed Dec 12, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: MLP's [Master Limited Partnership]
Replies: 26
Views: 1524

Re: MLP's

Some MLP's fire off K1 statements. Been there, done that. What a hassle.

Stay away, just put your money in low cost index funds.
by runner3081
Wed Dec 12, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: If You Knew Then What You Know Now
Replies: 12
Views: 1856

Re: If You Knew Then What You Know Now

I like the what we did and didn't do well post. 6-years ago, we moved from WA State to AZ with a 6-month old and knew not a single person in AZ. What we did well: -Rented from a realtor first (as long as we used them, we could break the lease at anytime, penalty-free) -Purged, we dumped nearly every...
by runner3081
Tue Dec 11, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Advise on how to deal with this insurance claim situation
Replies: 29
Views: 1400

Re: Advise on how to deal with this insurance claim situation

I had a friend who got sued in a similar accident. She was backing and filling in a parking space in the mall, and someone who was speeding down the row hit the back of her car. Then sued her for injuries. Apparently if you’re backing out of the space, you’re going to get the blame, no matter how b...
by runner3081
Tue Dec 11, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Fax without a telephone line
Replies: 21
Views: 1928

Re: Fax without a telephone line

As someone else mentioned, online services. I have been using FaxZero for years with no issues for shorter faxes.
by runner3081
Mon Dec 10, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate the value of a Forever... [investment]
Replies: 10
Views: 1264

Re: How to calculate the value of a Forever... [investment]

Keep in mind that the post office could potentially change the "Forever" stamp rule at any point. Even for stamps already purchased. Wouldn't you love to be the lawyer in the class action that would cause? With 10s of millions of people in the class, he'd become wealthy, though his clients would on...
by runner3081
Sun Dec 09, 2018 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate the value of a Forever... [investment]
Replies: 10
Views: 1264

Re: How to calculate the value of a Forever... [investment]

Keep in mind that the post office could potentially change the "Forever" stamp rule at any point. Even for stamps already purchased.

Who knows if the current structure of domain names will remain place, either.
by runner3081
Sun Dec 09, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Christmas Tree Fire: Watered Tree vs. Dry Tree
Replies: 18
Views: 2244

Re: Christmas Tree Fire: Watered Tree vs. Dry Tree

Thanks for sharing. I was curious to see the actual odds of this happening Assuming the numbers on the internet are correct, the chances of a tree fire are extremely low. .001108% 95 million Christmas trees in the US 81% are fake Leaving 18,050,000 real trees 200 fires per year. With that said, you...
by runner3081
Sun Dec 09, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Christmas Tree Fire: Watered Tree vs. Dry Tree
Replies: 18
Views: 2244

Re: Christmas Tree Fire: Watered Tree vs. Dry Tree

Thanks for sharing. I was curious to see the actual odds of this happening Assuming the numbers on the internet are correct, the chances of a tree fire are extremely low. .001108% 95 million Christmas trees in the US 81% are fake Leaving 18,050,000 real trees 200 fires per year. With that said, you ...
by runner3081
Wed Dec 05, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2194

Re: Recommend dish drainer (rack)

We bought ours at Walmart. The local $1.00 store also has them. I'm asking about a quality dish rack and you're recommending the dollar store??? Sorry, I didn't see anything about wanting recommendations for a high-end dish rack in your post. In fact, your question: "So I was wondering if anyone ha...
by runner3081
Wed Dec 05, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2194

Re: Recommend dish drainer (rack)

We bought ours at Walmart. The local $1.00 store also has them.
by runner3081
Wed Dec 05, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Southern California Vacation Questions
Replies: 39
Views: 2020

Re: Southern California Vacation Questions

Newport Beach is great as well. We have been there 3 out of the last 4 years.
by runner3081
Mon Dec 03, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Toyota Camry Hybrid and Extended Warranty
Replies: 15
Views: 1047

Re: Toyota Camry Hybrid and Extended Warranty

I never buy extended warranties and I dont understand why one would buy one on highly reliable cars. +1. I totally agree. A bought a Toyota Avalon 2007 model in 2010. I seriously considered doing an extended warranty for the first time ever. I asked my BIL who sold cars for more than 20 years. He s...
by runner3081
Sun Dec 02, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 165
Views: 17903

Re: Best values at Costco? Honestly, a little disappointed...

We can find comparable prices on almost everything outside of Costco... except their brand of Nutella.

Nonethless, we haven't had a membership in about 5 years.
by runner3081
Sun Dec 02, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5159

Re: Do you get a year end bonus?

No, never in my career.

Though, one company in the past gave a $50 grocery store gift card.
by runner3081
Sun Dec 02, 2018 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Persuading HR to expedite benefits set up?
Replies: 5
Views: 660

Re: Persuading HR to expedite benefits set up?

How big the company is, will make a difference. When I started at a large company a few years back, it was never documents, but it took 3-4 pay cycles for the 401K contributions to start. In that case, there wasn't a thing I could do. Your only chance is in a small company. In a large company, they ...
by runner3081
Sat Dec 01, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Has anyone on this board painted over wallpaper?
Replies: 46
Views: 3024

Re: Has anyone on this board painted over wallpaper?

Yes, Kilz Primer for round 1 and then 2 coats of paint over that.
by runner3081
Sat Dec 01, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10304

Re: Why is Costco gas so much cheaper

Usually only $.04-$.05 per gallon here difference.

Makes it not worth the massive lines at Costco pumps.
by runner3081
Fri Nov 30, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Any single income earners with kids able to retire "early"?
Replies: 23
Views: 1557

Re: Any single income earners with kids able to retire "early"?

Age 37, one child, one income.

On track for early retirement at 50-53.

Saving 60+% of salary.

Very frugal and just paid off our mortgage last month. Will move that cash flow to a brokerage account now.

Pending I stay at the current job until the end, the pension will be pretty decent.
by runner3081
Wed Nov 28, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6591

Re: Restaurant Budget

All depends on what you enjoy and where you allocate funds.

Our family, the eating out budget is less than $150.. PER YEAR!

We just don't do it. Sure, we occasionally receive gift cards and use those, but that is basically it.
by runner3081
Wed Nov 28, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Why you might want to reconsider buying a vehicle with direct fuel injection
Replies: 48
Views: 4209

Re: Why you might want to reconsider buying a vehicle with direct fuel injection

Search 2007-2010 BMW 335i and Walnut Blasting. I had one. What a mess. With that said, it won't change my buying habits.

Image
by runner3081
Tue Nov 27, 2018 10:58 pm
Forum: Personal Consumer Issues
Topic: Electricity bill should be 7% per month of home sq footage.
Replies: 66
Views: 3905

Re: Electricity bill should be 7% per month of home sq footage.

That rule is either in line or crazy, depending on where you live. We are at 1,900 square feet in the Phoenix area. Electricity costs are right at $160 = 8% of square footage. And that is VERY LOW for the area. We keep the house at 84 in the day and 81 at night (with a 2-year old AC). Most of our ne...
by runner3081
Mon Nov 26, 2018 10:21 pm
Forum: Investing - Theory, News & General
Topic: Anyone invest in Vanguard's Health Care Fund?
Replies: 20
Views: 1764

Re: Anyone invest in Vanguard's Health Care Fund?

Yes, I have for a few years with a bit of play money in a post-tax account. Less than 1% of holdings.

No good reason other than the fact that I work in healthcare.
by runner3081
Mon Nov 26, 2018 6:16 pm
Forum: Investing - Theory, News & General
Topic: Financial goals for 2019 (specific)
Replies: 52
Views: 4333

Re: Financial goals for 2019 (specific)

Save >60% of Gross Income Max out 401K Max out HSA Max out 457B (newly eligible in July) Max out ROTH IRA x2 Continue $1.5K to 2K per month in post-tax Vanguard funds on top of the others. Change asset allocation away from nearly 100% stocks to some bonds. We had a large cash savings account there t...
by runner3081
Mon Nov 26, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Best budget spreadsheet?
Replies: 17
Views: 1843

Re: Best budget spreadsheet?

It would take time, but building a spreadsheet would be the best.
by runner3081
Sat Nov 24, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: What’s your “barometer” for luxury purchases?
Replies: 72
Views: 5476

Re: What’s your “barometer” for luxury purchases?

Very low "want" for luxury items here. They just aren't something my wife and I are interested in. I guess you could say that we like cars that are not basic, but only buy if 8+ years old. Still rocking a 4-year old LG G Smart Watch I paid $50 for. Art? Zero interest in print or real.. Neither one o...
by runner3081
Sat Nov 24, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: $100 in rebates from Amazon over Black Friday
Replies: 10
Views: 2373

Re: $100 in rebates from Amazon over Black Friday

mindgap wrote:
Sat Nov 24, 2018 3:35 am
My dad would say. If you wouldn't spent anything you would have saved the most :wink:
+1

100% savings.

With the slump in the market had the roth auto-investments land on Friday, saved a bit of money there.
by runner3081
Fri Nov 23, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Anything I should be wary of when buying cell phone from app?
Replies: 8
Views: 459

Re: Anything I should be wary of when buying cell phone from app?

Meet them at the cell carrier store of your choice (The service you have). Have them activate on your plan before you leave. If it works, pay them and be on your way.
by runner3081
Wed Nov 21, 2018 8:48 pm
Forum: Investing - Theory, News & General
Topic: Do you need to invest mostly in stocks to get rich?
Replies: 178
Views: 17015

Re: Do you need to invest mostly in stocks to get rich?

No interest in being rich. Just trying to create freedom in how we spend our time. And yes, for that purpose, we invest mostly in equities through low cost Index funds.
by runner3081
Wed Nov 21, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Geico Vs Stillwater for umbrella policy?
Replies: 6
Views: 424

Re: Geico Vs Stillwater for umbrella policy?

Does the Stillwater quote include their new $40 policy fee? We have AAA for auto and home and it had been cheaper with Stillwater until last year when they tacked on that fee.
by runner3081
Mon Nov 19, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: If you have an Amazon Echo and want another one...
Replies: 5
Views: 874

Re: If you have an Amazon Echo and want another one...

Also, if you are more of a Google person, you can get a Google Mini for $.99. And, too bad for those who missed the $1 Echo Dot the other day with a trial of Amazon Music. Do you have a link for the mini? All I see is $25 update: the spotify family plan offer? but that's $14.99/ month for at least ...
by runner3081
Mon Nov 19, 2018 6:59 am
Forum: Personal Consumer Issues
Topic: If you have an Amazon Echo and want another one...
Replies: 5
Views: 874

Re: If you have an Amazon Echo and want another one...

Also, if you are more of a Google person, you can get a Google Mini for $.99.

And, too bad for those who missed the $1 Echo Dot the other day with a trial of Amazon Music.
by runner3081
Sun Nov 18, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Buying Google Home Minis on Ebays
Replies: 14
Views: 1336

Re: Buying Google Home Minis on Ebays

Possibly legit, possible fraudulent codes.

I would never buy that on eBay.
by runner3081
Sun Nov 18, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property Mortgage Pay-Off -- Liability
Replies: 7
Views: 862

Re: Rental Property Mortgage Pay-Off -- Liability

That doesn't seem to make any sense. Liability is with you, the homeowner, not the lender.
by runner3081
Sun Nov 18, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15056

Re: Black Friday 2018

Not a single thing. the older we get, the more we cut back on "things." We have a general rule - if you buy one thing you have to give away/throw away/recycle at least two things. Agreed. We have cut down on purchases over the last few years. Helps keep clutter in check and also is amazing on the p...
by runner3081
Sun Nov 18, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15056

Re: Black Friday 2018

Not a single thing.
by runner3081
Sat Nov 17, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Newbie
Replies: 3
Views: 377

Re: HSA Newbie

I would do option #2 and avoid the hassle and fees of two accounts.

Yes, you can fully fund 1/1/19.
by runner3081
Sat Nov 17, 2018 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Northpointe Bank Website - legit?
Replies: 6
Views: 703

Re: Northpointe Bank Website - legit?

As long as the HTTPS is there for you, you are set. Untruth. If the "banking technology provider" is itself compromised or poorly implemented, then there's nothing protecting you. Fiserv, the banking technology provider/core bank processor (whatever you call it) running Northpointe Bank's website a...
by runner3081
Sat Nov 17, 2018 4:07 am
Forum: Investing - Help with Personal Investments
Topic: Northpointe Bank Website - legit?
Replies: 6
Views: 703

Re: Northpointe Bank Website - legit?

Yes, the site it points is essentially an online banking platform that the bank has purchased to use for access. They have essentially outsourced their online technology. https://www.fedfis.com For me, we have an Elements CU HSA account. When you login it redirects to a "https://login.pilothsa.com/"...
by runner3081
Fri Nov 16, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 53
Views: 3639

Re: Home sale etiquette: wall repair

You leave the holes in the wall, and don't patch them. You leave the house "broom clean". Same here, this seems to be the expectation in the five transactions we have done. Of course, we really don't put much on the walls (minimalist). However, we have left nails or screws in, rather than removing ...
by runner3081
Wed Nov 14, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Mercedes-Benz E350 4 matic. What years to look for?
Replies: 2
Views: 633

Re: Mercedes-Benz E350 4 matic. What years to look for?

Better off posting in the Mercedes forum.
by runner3081
Wed Nov 14, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance Claim-Experiences?
Replies: 22
Views: 2047

Re: Homeowners Insurance Claim-Experiences?

This post could be very informative to folks who ask, "Should I sell my house or rent it" Or, should I buy or keep renting :) One data point from our neighbor, massive rains in AZ in October. Insurance company ruled that roof damage causing leak was from wind. Here we are, nearly 7-weeks out and sh...
by runner3081
Wed Nov 14, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 21
Views: 2255

Re: 2019 Subaru Forester Vs. 2019 Rav 4

Currently have a 2011 Ford Fusion with 82,000 miles. This is a high mileage car for us, usually keeping a car around five years due to my husband not wanting to deal with car repairs. .... Want to try to keep our next vehicle for 10 years or more. This part doesn't make sense. Probably better to pl...