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runner3081

Are you doing this because you want to do it, or to increase the sales price? How long will you stay in the house? What will you do with the space? I am doing it because I want to do it. It will be a recreation room for kids to play in. A way to keep toys out of the main area of the house. This is ...

runner3081

Are you doing this because you want to do it, or to increase the sales price?

How long will you stay in the house?

What will you do with the space?

runner3081

What a weird time we live in. 30 years ago I wouldn't think twice about spending $30/month in CD's. Now I have 6x the income and I think to myself "no way in hell am I paying $120/year to listen to music". I think what ruined me were those 5 or so years where all music was free on demand. Very funn...

runner3081

Brush my teeth, go to bed and wake up the next day.

runner3081

You can afford, but do you really need to spend 46K on a car? Yikes!

Don't forget your increase in licensing (most likely) and insurance.

runner3081

We love Newport beach. There can be some deals to be had on AirBNB. Have gone 3/4 last years in the summer.

Stay north in the town. Beaches are almost always deserted (I would never stay near the pier).

runner3081

This really falls in line with, "don't believe everything you see on the internet".

runner3081

Assuming it is reliable and you have kept up on maintenance, seems like an easy decision to fix it.

runner3081

Put my home up for sale 15 Jan and received 5 offers within the first three days. Of course we took the highest offer, 10K over asking. The first buyer backed out with the inspection period, although it was not related to the home inspection. Another buyer came forward the next day at 3K over askin...

runner3081

Though I don't think I will ever be fully content with our finances (there can always be more). We are in a good spot. At this point, we save just under 70% of our income (wife stays at home). We have old cars, a reasonably sized house and don't feel that we are missing anything. So, sort of, yes, w...

runner3081

Yes, STD screening, criminal background and financial credit checks. Did you have some wriggle room? More virtuous than Mother Teresa, but a drunk-and-disorderly bust in college? A vigorous 401(k) saver, but bounced a check or 2? Honorable, but a minor dose of chlamydia in high school? It all came ...

runner3081

Nicolas wrote: ↑
Sun Feb 10, 2019 5:15 pm
It’s free with certain AAA memberships.

This may depend on your region. It used to be this way and we tried last year in the Southwest and were told it was no longer free for any members (after getting it done 3 years prior for free).

runner3081

Yes, STD screening, criminal background and financial credit checks.

We did those things mutually, wasn't one way.

This is a life long commitment (well, 50% of them are), why wouldn't you?

runner3081

Seems like there's some significant cost savings if we go on one plan, but I have some concerns. I have not often found this the case (worked in HR-Benefits for many years). Employers typically subsidize a significantly higher portion of employee only coverage, compared to family members. It could ...

runner3081

I would personally max out the second 401K before paying down the mortgage.

Tax sheltered space is limited. Extra payments on the mortgage are not limited by anything and can be done whenever.

It is also worth thinking about how long you want to be in the house.

runner3081

I think there are a lot of degrees being diluted by online/money scamming universities. Essentially you fulfill some time requiremnet, pay the price, and they hand out the degree. Being in healthcare, I see this trend with several new online NP and PA programs. I would be furious to see my previous...

runner3081

Very much the same as my experience from October with some small variations. Final payment had to be wired (though I did have check option, wire was much easier, 3 clicks and only $20). 1) Requested a payoff statement 2) Wired money 3) Fee was included (ours was only $10) 4) Sit back and wait for 3 ...

runner3081

Moldex - https://www.amazon.com/Moldex-7010-Inst ... B00TSJOEVU

runner3081

Find tires on TireRack, take the quote to Discount Tire and they will match (they will add shipping to the charge and mounting/balance).

runner3081

We used ABF Freight. They drop a trailer off, you take what space you need and then they pack the rest the trailer with other shipments. This was significantly cheaper than cube options for us. +1 other comments for getting rid of things. We only kept a few main pieces of furniture and my newborn da...

runner3081

In the past, yes.

Play account was lending club, low 5-figures.

Other play account was investing in individual stocks and taking a few long shots. This account is roughly $7k, presently. It stays untouched now.

100% index funds now.

runner3081

Personally, I also would not commute in a Miata or similar. I drove an E36 M3 for a couple of years (36 miles round trip) and it just wasn't a comfortable car to drive in traffic, speed bumps/large humps/road depressions were terrible with bottoming out, etc. Don't get me wrong, it was fun, but even...

runner3081

Kywildcat: Browse the Edmunds website for "True Cost to Own." It is an eyeopener. https://www.edmunds.com/tco.html Best wishes. Taylor Another factor is that I am single currently and require a car to get to work so I was also thinking if I would be net better off buying a car sooner rather than wa...

runner3081

$3,000-$4,000. I usually move it out at the end of the month, though.

runner3081

Very hard to speculate.

Some people like classic cars. Well, they have had a nice run, but what happens when the older generation dies off? Who wants those old things anymore?

runner3081

Just paid ours off in October. Colonial Savings charged a total of $10.

runner3081

Wow you really trust PayPal with a lot of linked bank/brokerage account information. I would suggest monitoring all those accounts for unusual activity. I had a couple of thousand stolen from my bank account via PayPal. I got the funds back but my PayPal experience was so terrible I de-linked my ba...

runner3081

mhalley wrote: ↑
Mon Jan 28, 2019 3:39 pm
Its too early to tell, but Fidelity just launched an hsa with zero fees. I think Lively has also cut their fees.

Interesting, wonder if my employer plan through Fidelity will drop their fees now?

runner3081

Last one was, "The Grinch Who Stole Christmas".

The old cartoon one.

runner3081

JPMorgan services my mortgage and they cap online principal-only payments to $10,000. I wanted to pay more, so instead of doing daily $10k payments I chose to write them a check and it processed within a week or so. Same here with Colonial Savings, they capped $10K per day for ACH on incoming loan ...

runner3081

Might be worth reaching out them. It is possible that they moved this into a "paid" version of the software as well.

runner3081

I am not sure what "value of car" has to do with maintenance/repairs. If anything, the cost of the care you are looking to purchase as a replacement means more than the value of the current car in this situation for me. If you have a car you like and it has been reliable, keep it running and buy ano...

runner3081

I use dealerships for my BMW’s knowing they are more than expensive. I value consistency, experience, and recourse. If you can find an experienced private shop that you trust than it could certainly make sense. Depending on the type of car, I guess. I would argue that you end up with better technic...

runner3081

Yes it does matter. When an item is FBA, Amazon does the shipping from their nearest warehouse. If the shipping is late or MIA, it is not the seller's fault. I think you should revise your review if it is indeed FBA. Couldn't disagree more. Amazon's feedback process is garbage. If a 3rd party selle...

runner3081

Over the years, I have gone with having a very empty looking office. As of now, I have a picture of my daughter, a family photo and some artwork my daughter made. Nothing else. In fact, I don't like any paper out on the desk. There is nothing on my walls. Funny thing is, the empty office is a conver...

runner3081

TeamViewer had had numerous questionable security incidents e.g. https://arstechnica.com/information-technology/2016/06/teamviewer-users-are-being-hacked-in-bulk-and-we-still-dont-know-how/ I would not let their software within a thousand feet of any system I actually cared about. My previous emplo...

runner3081

GPS Running Watch.

runner3081

I find it interesting that we even need to define classes. It really doesn't mean anything.

runner3081

If you discover there are major mechanical issues that are not overly noticeable. That is when it is time to trade.

Otherwise, sell private party.

runner3081

DTalos wrote: ↑
Mon Jan 21, 2019 7:25 pm

runner3081 wrote: ↑
Mon Jan 21, 2019 6:11 pm
All I know is that I despise bag less vacuums. Such a mess. Bags are easier and very cheap.
Are most newer vacuums the bag-less kind?

Yes, but you can find bagged ones. We have the Hoover Tempo Widepath.

runner3081

All I know is that I despise bag less vacuums. Such a mess. Bags are easier and very cheap.

runner3081

I have, always comes back with nothing.

To be honest, I am pretty diligent/OCD when it comes to money. Not likely to forget a closed bank account, etc.

runner3081

The maintenance/repairs seem very high (assuming this is not remodeling/updating bundled in). Only so many things can break in a house that are major expenses (roof, heating/cooling, leaks, etc). $163k is very high for these over 15 years. Though only one data point, we are 6-years in our house and ...

runner3081

Absolutely not. Had a chance a few years ago to watch my hometown team playing about 30 minutes from where I live. Didn't even consider it, simply not worth the money to me.

I have sort of grown out of my sports fanatic days.

runner3081

We are fortunate. There are three separate chains within 1-mile of our house (Sprouts/Safeway/Fry's (Kroger).

Makes it very simple to shop the ads.

Those stores make up 90% of our grocery spending and we mix in some WalMart and discount grocers, on specific items.

runner3081

indexonlyplease wrote: ↑
Sun Jan 20, 2019 9:49 am
At my Bank of America I have multiple account. Savings, checking, house spending, vacation and xmas. Does anyone else do this?

Seems like a fair amount of work, I have no need for that, personally.

I suppose it is good for someone who is unable to save appropriately for their wants/needs?

runner3081

I have no particular insight. However, if you want to stay close to family, check out other Montana towns: Missoula, Great Falls, Billings. Spokane, Washington is a great town. Lot's to do there. Prices have moved up, but not ridiculously. Ellensburg, WA, and Medford, Oregon are other areas worth c...

runner3081

I haven't seen this explicitly, but nothing a dealer does surprises me.

Don't think about it for more than a second. Find another dealer for warranty work and start sourcing in independent mechanic in the meantime (warranties cover non-dealer work).

runner3081

I would love to read more, but I just don't have time. I read three fiction books in 2018. Zero non-fiction books in the last 2-years. Not technically a millennial, just fall out of the group on the higher end. My wife reads pretty heavily and her books are 100% free from the library, both paper and...

runner3081

If you don't need the money, do you just hold onto your investments for years until you die then pass them on to your heirs if you have them? Do heirs receive taxable account investments on a step-up basis, or is that just Roth IRAs (forgive me I know little about the tax efficiency of bequeathment...

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