Search found 1474 matches

by runner3081
Thu Aug 16, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Rental House Issue
Replies: 19
Views: 2019

Re: Rental House Issue

I would fire the property manager now. Take over self-management for the move out, finding a new tenant and move in. After that, hire a new property manager that you have vetted during the time period of finding a new tenant. 5 hours away... I based that on your comment about wanting to be there fo...
by runner3081
Wed Aug 15, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Housing cost as a % of Income
Replies: 7
Views: 678

Re: Housing cost as a % of Income

I think this topic has been posted 1-3 times in the last week :)

My rule, no more than 10% of gross income for Mortgage, Interest, Insurance and HOA.
by runner3081
Mon Aug 13, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: Timing of car purchase during a model year
Replies: 17
Views: 1523

Re: Timing of car purchase during a model year

Glossing over the fact that trading in a 2015 with low miles makes no sense, I would simply wait until later in the year to consummate the transaction.

You are only going to get auction prices when you trade it in, an extra 5-10K miles really won't change the value of the trade-in, significantly.
by runner3081
Mon Aug 13, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Using Uber Without A Cellular Data Connection
Replies: 25
Views: 2396

Re: Using Uber Without A Cellular Data Connection

You can order Uber from a computer if you have access to one. Can you? I tried that and it didn't work. They have a desktop app. You can get an account all set up with Google Voice, but when it came time to order a car it didn't work. I asked about it and received the following: Just to let you kno...
by runner3081
Mon Aug 13, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Using Uber Without A Cellular Data Connection
Replies: 25
Views: 2396

Re: Using Uber Without A Cellular Data Connection

You can order Uber from a computer if you have access to one.
by runner3081
Sun Aug 12, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: Rental House Issue
Replies: 19
Views: 2019

Re: Rental House Issue

I would fire the property manager now. Take over self-management for the move out, finding a new tenant and move in. After that, hire a new property manager that you have vetted during the time period of finding a new tenant.
by runner3081
Sun Aug 12, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 128
Views: 5552

Re: how much car can we afford?

really, you dont even say what you are looking at? why is this a serious question? you can afford a used Civic. I'm looking at a BMW 3 series certified pre owned about 40k with 8k miles on it If you do that, don't buy the worthless 328i or the horrific 320i. Those are grocery getters. No need to pa...
by runner3081
Sun Aug 12, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3184

Re: Cleaning gas grill

I have started using the BBQ mats. They work great and can simply be rinsed off. The grill itself stays very clean. Only downside is greasy things burn the heck out of your arms or stain clothes... like a frying pan!
by runner3081
Sun Aug 12, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Housing affordability - what is your take?
Replies: 71
Views: 6092

Re: Housing affordability - what is your take?

From personal experience, I would continue to rent until you are at least married or have a family.
by runner3081
Sun Aug 12, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 17
Views: 1172

Re: Tipping lawn service and trash pickup

Negative on trash person. It would be next to impossible anyways (even if I wanted to, which I don't), they don't get out of the truck and just the arm to dump the bins. Thought has not crossed my mind to hire a lawn service, so don't know about that one. We pretty much tip at sit-down restaurants, ...
by runner3081
Sun Aug 12, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Joint checking accounts.
Replies: 26
Views: 1921

Re: Joint checking accounts.

Joint everything for us. Since the day we married.
by runner3081
Sat Aug 11, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to have “what if” discussion with retired parents?
Replies: 48
Views: 4285

Re: How to have “what if” discussion with retired parents?

I wouldn't focus on his investment style, just leave that alone. Focus on tracking down where the assets are located.
by runner3081
Sat Aug 11, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: House Value & Mortgage as a Percentage of Net Worth
Replies: 80
Views: 5223

Re: House Value & Mortgage as a Percentage of Net Worth

1) What percentage of a person's gross pay should the monthly payment be? (All inclusive - Mortgage, Principal, Insurance, HOA, etc.). My Guess : In my opinion if it is more than 25% I am buying/renting too much house. So if you are bringing in 10,000 / month gross, you can go up to 2,500/ month in...
by runner3081
Sat Aug 11, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 4627

Re: How often do you check your brokerage accounts

I check them all once per month. This is also when I update my net worth spreadsheet with new balances.

I check credit card and bank accounts daily, however.
by runner3081
Sat Aug 11, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Advice requested: making a HO claim for a roof/hail
Replies: 21
Views: 976

Re: Advice requested: making a HO claim for a roof/hail

thatme wrote:
Sat Aug 11, 2018 8:26 am
Background: live in Colorado and we've been having epic hail storms this summer (you may have seen the news story of zoo animals being killed recently).

Thanks!
That was such a sensationalized story and title. Come one... it was 3 birds, haha.
by runner3081
Sat Aug 11, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Sucking up to make more money?
Replies: 46
Views: 1970

Re: Sucking up to make more money?

I just have a very hard time sucking up, even if it will result in a pay increase. Anyone else feel the same? No. As long as it is not illegal, immoral or unethical, I will do what is needed to make more money. My future self will thank me. With that said, I don't really try to suck up, or even thi...
by runner3081
Fri Aug 10, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: HSAs - Max it Out at $8,900
Replies: 2
Views: 680

Re: HSAs - Max it Out at $8,900

Might want to change title to add the little part about being 55+.
by runner3081
Thu Aug 09, 2018 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 4889

Re: Air Conditioning?

Spent 30+ years in Seattle. Those hot weeks were not fun, but it ended up being significantly cheaper to just buy two of the stand-alone room units for the couple of weeks of real warm weather per year. It used to be a couple of weeks but since we've been here (past 6 years) its been all or half of...
by runner3081
Thu Aug 09, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3110

Re: Offering 401k Advice to my coworkers?

iceddante wrote:
Thu Aug 09, 2018 2:11 pm
Still though, I don't know if it's illegal/unethical/wrong to give this advice as it's obviously the sort of thing I would talk to my coworkers about at lunch on any given day. Am I crossing a line here?
If they do not specifically ask you, do not do it.
by runner3081
Thu Aug 09, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)
Replies: 17
Views: 1516

Re: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)

Fair... Great deal if you have Citi Points promotion and can get it for $30 like many others are.

https://slickdeals.net/f/11915967-citi- ... rds-points

I picked up the 16GB version on Prime Day for $20.
by runner3081
Wed Aug 08, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Selling old car with Airbag light on
Replies: 9
Views: 709

Re: Selling old car with Airbag light on

If it were me, I would just junk the car. If someone buys the car, and gets into an accident where the air bag does not deploy, how are you going to feel? Would an ambulance chaser come after you? If you are worried, write up a bill of sale that is signed by both parties and indicates: Buyer acknow...
by runner3081
Wed Aug 08, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Cell phone battery pack, cancer warning?
Replies: 15
Views: 861

Re: Cell phone battery pack, cancer warning?

David Jay wrote:
Wed Aug 08, 2018 3:24 pm
In California, everything causes cancer.

You'd be a lot safer living somewhere else... :wink:
On vacation last month, there was a cancer warning on the front door of a McDonald's.
by runner3081
Tue Aug 07, 2018 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for jobs out of state
Replies: 19
Views: 1290

Re: Applying for jobs out of state

Most companies require you put your address when filling out online applications. Not a bad suggestion though regarding the address, I think I will remove it from my resume. Luckily I still have my Florida phone number. Thanks! No one cares about phone numbers. Very few people have a matching locat...
by runner3081
Tue Aug 07, 2018 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for jobs out of state
Replies: 19
Views: 1290

Re: Applying for jobs out of state

Have you looked at professional associations in the area? There may be opportunities to interact via phone with local members who could help.
by runner3081
Mon Aug 06, 2018 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards. Get yours?
Replies: 25
Views: 2309

Re: New SS cards. Get yours?

New SS cards? When did they make that announcement?
by runner3081
Mon Aug 06, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Your opinion on online courses?
Replies: 26
Views: 2056

Re: Your opinion on online courses?

I did my MBA online.

It was a pain and involved TONS of writing.

They are great, IF, you are a self starter and can write/research.
by runner3081
Mon Aug 06, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4547

Re: Dear BH, what are non-BH actions you do?

Also, we have no intentions of paying for the university education of our children. We have ~12 years for our opinion to change as our oldest is 6, but at this point it isn't something we are really considering. We are going to pay as follows (our daughter is 6 now as well) 1) 2-years of Community ...
by runner3081
Sun Aug 05, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: Certificate of Authenticity for Autograph of Richie Ashburn
Replies: 7
Views: 749

Re: Certificate of Authenticity for Autograph of Richie Ashburn

Zero. That cert is worthless (worth less than the paper it is printed on). I have quite a bit of experience in this area. PSA/DNA, JSA and Beckett are the most reputable companies. However, if you are keeping and not reselling. Consider it real and don't waste your money on a COA! It will bring more...
by runner3081
Sun Aug 05, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: fidelity zero index - no accum gains - advantage?
Replies: 26
Views: 2503

Re: fidelity zero index - no accum gains - advantage?

sambb wrote:
Sun Aug 05, 2018 7:19 pm
So expense ratio doesn’t matter anymore? I see so many threads in expense ratios. Fidelity is lower !
You will see love for Vanguard here, just like people have love for Apple.

Sometimes valid, other times, not so much.
by runner3081
Sun Aug 05, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4547

Re: Dear BH, what are non-BH actions you do?

-Way too much cash in savings... which leads to number two -Likely going to pay off a mortgage at 3.49% (and 20+ years remaining) in the next few months -More than 3-funds. I invest in Energy and REIT index funds. -Some play money in individual stocks (less than 1% of holdings) -We don't spend extra...
by runner3081
Sun Aug 05, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: eBay seller issue
Replies: 6
Views: 501

Re: eBay seller issue

As the other poster said, don't waste your time. You will spend up in an hour long hold and call time with a rep who you can't understand.
by runner3081
Sun Aug 05, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Pricing a used car to sell
Replies: 27
Views: 1286

Re: Pricing a used car to sell

Look at local listings on Craigslist and cars.com.

Also, glance at KBB, but it doesn't matter much. More about the market compared to a valuation.
by runner3081
Sat Aug 04, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Best way to send flowers out of town
Replies: 21
Views: 1155

Re: Best way to send flowers out of town

If you use an online service, use a cashback portal. They offer pretty good amounts off.
by runner3081
Sat Aug 04, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery
Replies: 43
Views: 3004

Re: USPS Informed Delivery

It was fun for a couple of weeks. Now? I hardly look at it before deleting. There isn't really anything important that comes in the mail these days.
by runner3081
Sat Aug 04, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 9726

Re: Few weeks into new job recieved significantly better offer elsewhere

Tread carefully. You don't want a stretch of unemployment and a few week job on your resume very often. I might be inclined to stay where you are for 1 year. Money is not the end all/be all. Taxes chew up at your top level. Actually, many would disagree (as I do). For a 1-week job, you won't even l...
by runner3081
Sat Aug 04, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: How do you think about your mortgage in relation to your stock/bond portfolio?
Replies: 32
Views: 2412

Re: How do you think about your mortgage in relation to your stock/bond portfolio?

I don't think about in relation to my portfolio (allocations, etc). I live in my house. If it dropped in value, I do not care. I would still live there :) To look at its value, I take purchase price, less mortgage as part of my net worth. It is probably worth more than 100K than we paid for it though.
by runner3081
Fri Aug 03, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 9726

Re: Few weeks into new job recieved significantly better offer elsewhere

Tread carefully. You don't want a stretch of unemployment and a few week job on your resume very often. I might be inclined to stay where you are for 1 year. Money is not the end all/be all. Taxes chew up at your top level. Actually, many would disagree (as I do). For a 1-week job, you won't even l...
by runner3081
Fri Aug 03, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Bag with bank information goes missing (from bank)
Replies: 20
Views: 1445

Re: Bag with bank information goes missing (from bank)

daveydoo wrote:
Fri Aug 03, 2018 4:44 pm
I'm impressed that they even let you know. Most of the large-scale hacks trickle out months or years later. My personal info of one flavor or another has been stolen so many times -- and I've received offers of credit protection so many times -- that I've lost count...
I agree. My same thoughts.
by runner3081
Fri Aug 03, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 9726

Re: Few weeks into new job recieved significantly better offer elsewhere

Tread carefully. You don't want a stretch of unemployment and a few week job on your resume very often. I might be inclined to stay where you are for 1 year. Money is not the end all/be all. Taxes chew up at your top level. Actually, many would disagree (as I do). For a 1-week job, you won't even l...
by runner3081
Fri Aug 03, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5232

Re: Comfort level with Credit Card Balance

No comfort with a balance. Paid 100% every month.

If I can't pay for it, I won't buy it.
by runner3081
Fri Aug 03, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Home is *just* outside flood zone - how much flood insurance do I buy?
Replies: 50
Views: 2817

Re: Home is *just* outside flood zone - how much flood insurance do I buy?

We were in the 100-year flood plain when our house was bought. Last year, they moved to 500. We kept insurance though I am unable to find a single neighbor who kept the flood insurance (which creates other concerns about the neighborhood not rebuilding in a bad flood event). It is only $277 per yea...
by runner3081
Fri Aug 03, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Home is *just* outside flood zone - how much flood insurance do I buy?
Replies: 50
Views: 2817

Re: Home is *just* outside flood zone - how much flood insurance do I buy?

We were in the 100-year flood plain when our house was bought. Last year, they moved to 500. We kept insurance though I am unable to find a single neighbor who kept the flood insurance (which creates other concerns about the neighborhood not rebuilding in a bad flood event). It is only $277 per year...
by runner3081
Thu Aug 02, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Gated communities pros and cons? (Atlanta or anywhere.)
Replies: 67
Views: 4203

Re: Gated communities pros and cons? (Atlanta or anywhere.)

Gates always break.. or someone runs into them.
by runner3081
Wed Aug 01, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Is Fidelity Fully Paid Lending a Good Deal?
Replies: 2
Views: 266

Re: Is Fidelity Fully Paid Lending a Good Deal?

I did this through TradeKing (or something similar).

No issues. Made a little bit of money for nothing.
by runner3081
Tue Jul 31, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 4889

Re: Air Conditioning?

Spent 30+ years in Seattle. Those hot weeks were not fun, but it ended up being significantly cheaper to just buy two of the stand-alone room units for the couple of weeks of real warm weather per year. It used to be a couple of weeks but since we've been here (past 6 years) its been all or half of...
by runner3081
Sun Jul 29, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Buy Another Car or Keep Up Old One?
Replies: 13
Views: 1239

Re: Buy Another Car or Keep Up Old One?

A problem with luxury cars is less availability of parts because, well, they build fewer of them. And the parts are more expensive. This would be another factor to consider. Yeah, but the standard 3 series is closer to a Camry than a luxury car. Though with some more expensive parts and labor costs...
by runner3081
Sun Jul 29, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: Losing cable Internet connection periodically
Replies: 11
Views: 775

Re: Losing cable Internet connection periodically

Honestly, I think your time would be better spent posting in a technical forum, not Bogleheads.
by runner3081
Sun Jul 29, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 4889

Re: Air Conditioning?

Spent 30+ years in Seattle. Those hot weeks were not fun, but it ended up being significantly cheaper to just buy two of the stand-alone room units for the couple of weeks of real warm weather per year.
by runner3081
Sat Jul 28, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: Why dont people sit outside more? And how to deal with bugs?
Replies: 50
Views: 5263

Re: Why dont people sit outside more? And how to deal with bugs?

Because it is 110 at 6pm.

With that said, we get out every night, year round in the Phoenix area. Not necessarily the backyard, but the front yard and cul-de-sac. The kids play and we chat with the neighbors.