Search found 1061 matches

by runner3081
Tue Feb 20, 2018 4:34 am
Forum: Personal Consumer Issues
Topic: Golf Bag
Replies: 21
Views: 1297

Re: Golf Bag

If you live in a golfing area, check Craigslist. The resell on bags is terrible and you can always find deals.
by runner3081
Tue Feb 20, 2018 4:32 am
Forum: Investing - Theory, News & General
Topic: J. Montier: US equity market is obscenely overvalued
Replies: 33
Views: 3201

Re: J. Montier: US equity market is obscenely overvalued

Blah, blah, blah...

So what?

Perhaps the best thing to do is put his research into a trash can and move along.
by runner3081
Mon Feb 19, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: job application that ask for salary requirement
Replies: 15
Views: 1398

Re: job application that ask for salary requirement

On my current job, I listed $1 for the application. The system took it. Had no issues, pay is very much set on a larger scale with very little, if any, wiggle room anyways. What you can type in the box will very dependent on the applicant tracking system used (numerals only, required field, rounding...
by runner3081
Mon Feb 19, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 Expenses Review by Category and Budgeting for Kids
Replies: 4
Views: 440

Re: 2017 Expenses Review by Category and Budgeting for Kids

There are multiple other threads with similar comparisons. Check those out, great info.

The question of how this compares? Does it matter?

My comparison? You spend too much compared to our family of 3 :)
by runner3081
Mon Feb 19, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: What home related expenses do I need to think of?
Replies: 16
Views: 826

Re: What home related expenses do I need to think of?

Is there any info how much assessments go up by? I've done some basic internet searching and have found averages comparing one city to another. Blue Man Not likely to find data, but it is common. Basically, what happens is that builders will pay for repairs and upkeep (mostly) out of their own pock...
by runner3081
Mon Feb 19, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Using Turbotax in year of home purchase
Replies: 8
Views: 638

Re: Using Turbotax in year of home purchase

We usually use Turbotax to file our taxes, but this year we bought a house and I was wondering if I should spring for a tax professional this year. Has anyone used Turbotax in the year they bought a home? Did it seem able to handle the tax implications of buying a home? Thanks! It is very simple, n...
by runner3081
Sun Feb 18, 2018 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance Claim by Previous Owners
Replies: 8
Views: 1026

Re: Home Insurance Claim by Previous Owners

I would start by running a C.L.U.E report: https://personalreports.lexisnexis.com/fact_act_disclosure.jsp;jsessionid=9D228B17A995F32BF4864A0D7E1F7420 In regards to same college. Maybe it matters to some, but it wouldn't matter to me one bit. Personally, I wouldn't waste time or energy on going backw...
by runner3081
Sun Feb 18, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: What home related expenses do I need to think of?
Replies: 16
Views: 826

Re: What home related expenses do I need to think of?

Wow, I would never pay an assessment that high (I hated our $360 monthly assessment at the time). Even if you pay off your mortgage, that is a huge expense to cover with no relief at all, until you sell. Keep in mind that builders usually go artificially low on the initial HOA dues. Once they dump o...
by runner3081
Sun Feb 18, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Geico- big increase Bodily injury liability, property damage liability (WA)
Replies: 11
Views: 981

Re: Geico- big increase Bodily injury liability, property damage liability (WA)

Gieco and all of the other insurers seem to be increasing rates (across the country). They all took a big hit with the hurricanes and flood damaged cars (amongst other insured losses on homes, storm damage, etc). That would raise Collision/Comprehensive rates, not BI/PD although I'm sure their cost...
by runner3081
Sun Feb 18, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9088

Re: Do you wear a wedding band? [at a job interview]

Yes, I do.

In my company, I find that most of the execs are all married.
by runner3081
Sun Feb 18, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: HSA's - invest or use for current expenses?
Replies: 10
Views: 681

Re: HSA's - invest or use for current expenses?

We use ours first and foremost as a retirement account (and haven't pulled any funds yet).

However, it also serves as a major emergency fund. We have over $7k in receipts already for expenses and could pull that money out tax free at any moment.
by runner3081
Sun Feb 18, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Geico- big increase Bodily injury liability, property damage liability (WA)
Replies: 11
Views: 981

Re: Geico- big increase Bodily injury liability, property damage liability (WA)

Gieco and all of the other insurers seem to be increasing rates (across the country). They all took a big hit with the hurricanes and flood damaged cars (amongst other insured losses on homes, storm damage, etc).
by runner3081
Sun Feb 18, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 66
Views: 5060

Re: Sams Club vs Costco

We preferred Sam's Club over Costco and dropped Costco 5-years due to that. That was mostly due to Sam's being dead all of the time, easy in and out! No wonder they closed! Fast forward to now and well, Costco has changed a lot and their deals are nowhere near what they used to be. Won't be joining ...
by runner3081
Sun Feb 18, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 92
Views: 8744

Re: Bogleheads with $100K+ MSRP cars?

I'm closing in on eight figure net worth and wouldn't dream of buying a $100,000 car when a $30K car can get me to the same place. Totally stupid but to each is own. You've probably never driven anything fun before then. Or, he has no interest in cars. Of course, the response wasn't really needed. ...
by runner3081
Sat Feb 17, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: One of the Best Business Books I Ever Read
Replies: 4
Views: 1402

Re: One of the Best Business Books I Ever Read

Bulldawg wrote:
Sat Feb 17, 2018 8:41 pm
I never met Wayne personally but he was consolidating trash businesses
He did a good job trashing the Marlins back in the day as well :)
by runner3081
Sat Feb 17, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: At war with the mortgage
Replies: 4
Views: 1489

Re: At war with the mortgage

I'm pulling out all the stops, and have a plan to have it gone by the end of April. Military single earner, married, 3 kids. Heath insurance covers 100% of everything. My job is SO secure I CAN'T quit. Have good life insurance. EF will stay around 20k during this process. Take home around 6k withou...
by runner3081
Sat Feb 17, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - 2 day business trip
Replies: 23
Views: 1628

Re: Scottsdale, AZ - 2 day business trip

Try driving the paved portion of the Apache Trail. See this web site: http://www.cnn.com/travel/article/arizona-apache-trail/index.html We did it and it was fantastic. With only 4-hours time? No way Please reread what I wrote and look at the linked web site. The “paved section” takes 90 minutes. I ...
by runner3081
Sat Feb 17, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - 2 day business trip
Replies: 23
Views: 1628

Re: Scottsdale, AZ - 2 day business trip

eddot98 wrote:
Sat Feb 17, 2018 6:34 pm
Try driving the paved portion of the Apache Trail. See this web site:

http://www.cnn.com/travel/article/arizo ... index.html

We did it and it was fantastic.
With only 4-hours time? No way
by runner3081
Fri Feb 16, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 4017

Re: Any Creative Ways to Cut the Cable?

Stop watching TV. Amazing how good it feels to focus on other things.
by runner3081
Fri Feb 16, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Laid off ...next steps
Replies: 27
Views: 4161

Re: Laid off ...next steps

This happened to me at 32 and was a first for me. Honestly, as others have said, take a couple of weeks off and don't think about applying for jobs (other than the min for unemployment). Then, polish up the resume and go for it. It will work out... 4 years later and I am making 22K more then when I ...
by runner3081
Fri Feb 16, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Questions on filing claims with HSA for reimbursement
Replies: 2
Views: 355

Re: Dumb idea or good idea with HSA funding & withdrawal?

Make sure the service of the past medical bills were after you started the HSA, not before
by runner3081
Fri Feb 16, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 39
Views: 2705

Re: Repairing Stucco: A Case of Contractor Gouging

Honestly, many contractors are flakes.

Add to that the very small size of your job and no one wants it. Simply not worth their time.

None of this surprises me at all.

Stop making a mountain out of a mole hill and move on. Need need for lawsuits, complaints, etc.
by runner3081
Fri Feb 16, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - 2 day business trip
Replies: 23
Views: 1628

Re: Scottsdale, AZ - 2 day business trip

Scottsdale is a long and narrow city.

What part will you be in?

Are you thinking hiking? Are you a baseball fan? Architecture fan?
by runner3081
Thu Feb 15, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: 403(b) plan provisions
Replies: 10
Views: 604

Re: 403(b) plan provisions

Immediate match vesting, ability to contribute flat dollar amounts or percents.
by runner3081
Thu Feb 15, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Best way to sell a Washer and Dryer
Replies: 11
Views: 899

Re: Best way to sell a Washer and Dryer

Facebook and Craigslist.

Don't hassle with LetGo or OfferUp. Those may be area specific, but are worthless here. (I sell 200+ items locally each year).
by runner3081
Thu Feb 15, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Used car - warranty or no?
Replies: 24
Views: 871

Re: Used car - warranty or no?

I bought extended warranties on BMW's. Now, I don't buy them on the Japanese cars that I buy.
by runner3081
Wed Feb 14, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Where would you park 140k [Where to invest 140k]
Replies: 19
Views: 1789

Re: Where would you park 140k

You aren't exactly "parking" this money in the traditional sense of the term used here (seen more commonly when holding money short-term for a car, vacation, down payment, etc).

As the other response mentioned, follow your asset allocation.
by runner3081
Wed Feb 14, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is Ally bank really this disorganized?
Replies: 13
Views: 1926

Re: Is Ally bank really this disorganized?

This is what I have learned with Ally and Trusts. 1) Never do anything online, i.e: Open accounts, etc (transferring funds, etc is fine). 2) When you call, always speak to their trust department, do not use their normal options Assuming you follow these, you will have no issues. Believe me, it took ...
by runner3081
Wed Feb 14, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: The value of car body repairs/upkeep of older cars?
Replies: 33
Views: 2763

Re: The value of car body repairs/upkeep of older cars?

But like you said I'm not sure if rust is going to be all too permissible safety/inspection wise going down the line. What country has safety inspections on body rust and condition? Here in the USA we have some metro counties that do smog test and it's bad enough. Not the freedom that generations b...
by runner3081
Tue Feb 13, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Obligation to use car insurance proceeds?
Replies: 22
Views: 1584

Re: Obligation to use car insurance proceeds?

Nope, not at all.

We had a car hit in the parking lot, other insurance company cut us a check and we just invested it.

It dented the rear panel and tore off the bumper cover. I screwed the cover back on and pounded out the panel.
by runner3081
Tue Feb 13, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11136

Re: Did you learn anything from the market correction?

I learned that my support of the Boglehead theory is unwavering and I didn't react or even think about making changes when the correction hit (well, other than adding more money to index funds).

I have fully bought in :)
by runner3081
Mon Feb 12, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 133
Views: 9522

Re: What big item (>20k) are you saving up for?

Paying off the mortgage.

Cars, roofs and all other items fall well short of 20K.
by runner3081
Mon Feb 12, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on new home purchase
Replies: 15
Views: 1205

Re: Need advice on new home purchase

Can you not qualify for a conventional mortgage? We've always just gone this route and got a regular mortgage for the new house and once moved, do cosmetic work to the old house and sell it. Once you have the old house sold, you can simply pay off the new mortgage early or invest in other ways. +1 ...
by runner3081
Mon Feb 12, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Employer healthcare/benefits brokerage?
Replies: 4
Views: 368

Re: Employer healthcare/benefits brokerage?

When I worked in HR, we paid ZERO (directly) for the use of benefit brokers.

We had Mercer and they were paid by the insurance companies, TPA's, etc when a deal was signed, not us.

Obviously, there is a small part of added costs that go to paying them, so we "sort of" paid them, indirectly.
by runner3081
Mon Feb 12, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 6408

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

I think spring training baseball in AZ is overrated and overpriced. Absolutely overpriced. When we moved her 5-years ago I was pumped about being 10 minutes from the nearest stadium. Fast forward to now and I have been to two games, that is it. The ticket prices aren't much better than cheap seats ...
by runner3081
Mon Feb 12, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statement & Receipt Clearing - Help!
Replies: 42
Views: 2255

Re: Credit Card Statement & Receipt Clearing - Help!

Sounds like a waste of time. I use a browser extension "Morning Coffee" and do a quick check of all bank and CC accounts (not investment) on a daily basis. If something looks weird, I act. Otherwise, I can quickly recognize all recent transactions as being correct and move on. I have been using this...
by runner3081
Mon Feb 12, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3766

Re: Home buying: how to send postcards to neighborhood we want to live in?

I think this is a waste of time when used as a "mass mailing". We get this crap all of the time, hand written, postcard, in an envelope, family descriptions, etc. It all gets tossed. In my opinion, if you wanted a real chance at a house, pick 5 or so out. Make a specific letter about the house, why ...
by runner3081
Mon Feb 12, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Lower Payroll Withholding - What are you doing with it?
Replies: 32
Views: 2297

Re: Lower Payroll Withholding - What are you doing with it?

Nothing, sort of. Long story short, we have a chunk of cash in savings that we are trying to "whittle" down through investments. Our current savings and expenses exceed take home pay. The small tax decrease only closed that gap a bit. With a small pay raise (employer driven) coming next month, those...
by runner3081
Mon Feb 12, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7149

Re: I’m not renewing my Costco membership.

We have not been Costco members for years as we dropped them to go to Sam's Club. Now that Sam's Club is gone in our area, we figured Costco might be useful again. Gave my friend (A Costco member) cash and they purchased a very large GC to Costco for us. After going a few weeks back, we probably won...
by runner3081
Sun Feb 11, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: The value of car body repairs/upkeep of older cars?
Replies: 33
Views: 2763

Re: The value of car body repairs/upkeep of older cars?

I personally do not fix body damage on older cars. We are in AZ, so rust is not an issue (not sure if there are long-term frame and safety issues with that), but right now the front bumper cover of my car and the plastic splash shield are zip tied to the radiator supports :) The clear coat is also ...
by runner3081
Sun Feb 11, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: The value of car body repairs/upkeep of older cars?
Replies: 33
Views: 2763

Re: The value of car body repairs/upkeep of older cars?

I personally do not fix body damage on older cars. We are in AZ, so rust is not an issue (not sure if there are long-term frame and safety issues with that), but right now the front bumper cover of my car and the plastic splash shield are zip tied to the radiator supports :) The clear coat is also g...
by runner3081
Sat Feb 10, 2018 11:40 pm
Forum: Personal Consumer Issues
Topic: Home printer
Replies: 21
Views: 989

Re: Home printer

The best part is that we're still on our original toner cartridge and it's the partial one that came with the printer. I should have changed years ago! I have been going with a "toner empty" warning for 1-year now :) Still prints fine, but I did just notice this morning some fading in areas. Might ...
by runner3081
Sat Feb 10, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Another tire question - rotation for low mileage?
Replies: 15
Views: 1002

Re: Another tire question - rotation for low mileage?

We buy our tires at Discount Tire - they rotate for free. We drive less than 7K per vehicle per year, but I religiously rotate them every 6-months. Overkill, yes, but we will get the full 6 years on my wife' tires doing this.

I drive a bit harder and chew through tires every 2-3 years in the AZ heat.
by runner3081
Sat Feb 10, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: your assets - now verses end of year?
Replies: 38
Views: 2387

Re: your assets - now verses end of year?

No clue where I am at. The auto deposits and paycheck deductions to investments continue. The stock market is doing some stuff, not sure exactly what.

I will usually look at the end of each month.
by runner3081
Fri Feb 09, 2018 11:05 pm
Forum: Investing - Theory, News & General
Topic: Contributing all Bonus to 401K during this market free fall ?
Replies: 14
Views: 1080

Re: Contributing all Bonus to 401K during this market free fall ?

Seems like the market timers are coming out of the woodwork these days :)
by runner3081
Fri Feb 09, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Savings rate questions
Replies: 12
Views: 833

Re: Savings rate questions

If I wanted to make myself feel better about my financial situation, I would include mortgage in savings. Ok, sarcasm aside. I don't like that method. Total savings are my fixed savings deposits (401K, ROTH, HSA, After-Tax) etc as a portion of gross income. My house, paid off or not, can be taken at...
by runner3081
Fri Feb 09, 2018 1:15 pm
Forum: Forum Issues and Administration
Topic: Black Theme for Site?
Replies: 38
Views: 3002

Re: Black Theme for Site?

White text on black hurts my eyes :)
by runner3081
Fri Feb 09, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Folding bicycles
Replies: 29
Views: 1870

Re: Folding bicycles

I can't remember the brand, but I had one in the past. Honestly, with the small wheels and upright sitting posture, I did not enjoy riding it and could have never gone long distances.
by runner3081
Fri Feb 09, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Multiiple indicator lights on (car)
Replies: 44
Views: 1637

Re: Multiiple indicator lights on (car)

My wife knows that whenever the check engine light turns on she needs to immediately pull to the side of the road, read the error code and look it up on her phone to make sure the underlying issue isn't about to cause irreparable harm to the engine. It happens about twice a year and typically a loo...
by runner3081
Fri Feb 09, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Multiiple indicator lights on (car)
Replies: 44
Views: 1637

Re: Multiiple indicator lights on (car)

My wife knows that whenever the check engine light turns on she needs to immediately pull to the side of the road, read the error code and look it up on her phone to make sure the underlying issue isn't about to cause irreparable harm to the engine. It happens about twice a year and typically a loo...