Search found 778 matches

by runner3081
Wed Nov 22, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: what limits do you have for Uninsured Motorists?
Replies: 6
Views: 364

Re: what limits do you have for Uninsured Motorists?

250K/500K to meet the requirements of the Umbrella carrier (those amounts match all non-property damage coverage on the policy) COVERAGES / LIMIT OF LIABILITY Bodily Injury $250,000 / person $500,000 / accident Property Damage $100,000 / accident Uninsured Motorist BI $250,000 / person $500,000 / ac...
by runner3081
Tue Nov 21, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Beware Amazon Price Gouging
Replies: 62
Views: 7024

Re: Beware Amazon Price Gouging

I've seen several items I've purchased that I've gone to purchase again priced as nearly twice as much. Both sold by Amazon. This was only a week later. One was an outlet strip as Black Friday TV purchases are going up. The other was some pint glasses. I'm watching prices more carefully now and rec...
by runner3081
Mon Nov 20, 2017 4:16 pm
Forum: Investing - Theory, News & General
Topic: Where, then? [to discuss investing strategies under proposed legislation]
Replies: 3
Views: 549

Re: Where then?

I am not sure if makes sense to discuss strategies until something happens :)
by runner3081
Mon Nov 20, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 5458

Re: How much do you budget for vacation?

Right around 1.5K per year. This usually gets us 8 days or so at a S. California beach in the summer. Ditto, except we are a family of 4. Helps that I am from Southern California and we stay with family and friends. To be totally honest, when we return we usually ask ourselves if it was worth it. T...
by runner3081
Mon Nov 20, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Auto Insurance: AAA vs. Travellers
Replies: 18
Views: 998

Re: Auto Insurance: AAA vs. Travellers

We have been with AAA for 4-years now. They continue to raise rates each year at least 10%. Up to this point, we have had a unique situation with a 3rd car on another policy that has made it hard to switch. That will be resolved shortly and we will be shopping around as well.
by runner3081
Mon Nov 20, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Collection agency calls intended for another person:
Replies: 34
Views: 2172

Re: Collection agency calls intended for another person:

Numerous times, I have told the collection agencies that the person they are calling for is dead and how dare they call. Works every time.
by runner3081
Mon Nov 20, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 5458

Re: How much do you budget for vacation?

Right around 1.5K per year. This usually gets us 8 days or so at a S. California beach in the summer.
by runner3081
Mon Nov 20, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: HelloFresh meal boxes - disputing credit card charge
Replies: 18
Views: 1317

Re: HelloFresh meal boxes - disputing credit card charge

Based on the information below, would we be successful in a credit card dispute? Here is what happened: HelloFresh sent my wife a promotional code for a free "3-dinner" meal box. It required a credit card # to verify the delivery address. Unbeknownst to us, HelloFresh enrolled her in a recurring me...
by runner3081
Mon Nov 20, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: service life of (walk behind) lawn mower?
Replies: 34
Views: 2051

Re: service life of (walk behind) lawn mower?

I will never forget my dad's old Snapper mower, it was a hand-me-down to him. Was at least 30 years old when he sold it.
by runner3081
Mon Nov 20, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 89
Views: 4632

Re: Uber for someone who knows only taxis

As other have mentioned as well, Uber used to be great, but now I find myself using Lyft the majority of the time.
by runner3081
Sun Nov 19, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Why I am not happy even with OK Net Asset
Replies: 38
Views: 3611

Re: Why I am not happy even with OK Net Asset

but still not happy with my progress and do not feel any financially independence. Because you feel something is lacking in life or because you compare to the other Bogleheads? Comparing yourself to anyone on this board can either lead to motivation or depression. Many of the people on here have be...
by runner3081
Fri Nov 17, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Is dent repair service worth it?
Replies: 17
Views: 1479

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: 1496

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: 1496

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: 1633

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: 2277

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: 1107

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: 20
Views: 1790

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: 69
Views: 4782

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: 46
Views: 2647

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: 7279

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: 7279

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: 7279

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: 2475

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: 778

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: 627

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: 1681

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: 1681

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: 1681

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: 1346

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: 529

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: 4134

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: 1555

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: 529

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: 1692

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: 888

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: 1346

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: 12745

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: 1517

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: 1878

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: 581

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: 740

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: 1232

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: 54
Views: 7030

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: 54
Views: 7030

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: 2422

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: 1839

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: 1839

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: 1839

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

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

Fund it all!