Search found 1605 matches

by runner3081
Sun Oct 14, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 77
Views: 4541

Re: When to stop putting money into an older vehicle

I think you should hold onto the car. You have to remember, only part of your cost was for a repair, brakes are maintenance.

That 2008 CRV is likely going to need maintenance (brakes, tires, etc) in the near future as well.

Stick it out until a >$2K cost comes up and is required to fix.
by runner3081
Sun Oct 14, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Facebook account hacked
Replies: 5
Views: 742

Re: Facebook account hacked

Hi, My fb account got hacked. I go to below website and click on "Account has been compromised" https://www.facebook.com/hacked I am able to search my account with my name but and enter by old password but then it says "Sorry, something went wrong. We're working on getting this fixed as soon as we ...
by runner3081
Sat Oct 13, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Cancun in a few weeks
Replies: 46
Views: 2622

Re: Cancun in a few weeks

We stayed in Playa Del Carmen and took a bus to Tulum (cheap, school bus Mexican transit type of thing). Absolutely stunning down there. They also have some ancient ruins on the bluff. The sand is great and no one is on the beach.
by runner3081
Thu Oct 11, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Which one: Lyft or Uber?
Replies: 44
Views: 2805

Re: Which one: Lyft or Uber?

I have both apps and choose whatever is cheaper.
by runner3081
Tue Oct 09, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: How do you calculate/state your income?
Replies: 13
Views: 1186

Re: How do you calculate/state your income?

I don't really tell anyone besides my wife what I make. If I did tell anyone, it would be gross W2 income. Not side hustles, etc.
by runner3081
Mon Oct 08, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: roof leak thread
Replies: 7
Views: 848

Re: roof leak thread

Youtube. Search roof leak by the material type.
by runner3081
Mon Oct 08, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Would you buy this insurance policy?
Replies: 9
Views: 419

Re: Would you buy this insurance policy?

I don't see how this makes any sense for someone who has a good grasp on their financials, health insurance and an emergency fund.

Just self-insure for something like this.
by runner3081
Sun Oct 07, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Cap One vs Fidelity CC My experience so far
Replies: 7
Views: 846

Re: Cap One vs Fidelity CC My experience so far

I haven't had any issues with Fidelity cards. Back in July, the card was declined. Call came to the cell, verified it was me and I was able to proceed with the purchase.
by runner3081
Thu Oct 04, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12573

Re: What purchase saved you the most money?

-OTA Antenna allowed us to ditch cable.
-New AC system will pay off very quickly in lower bills
by runner3081
Wed Oct 03, 2018 9:50 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 153
Views: 12110

Re: Correlation between the FIRE movement and one of the greatest bull markets

I equate this to bandwagon fans of a sports team. Everyone is on board right now when things are going well. Once things move away from the bull market, many hopes of fire will be dashed. There will be the "haves" and "have-nots" of FIRE Working towards FIRE myself, I am looking for to a thinning of...
by runner3081
Wed Oct 03, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 62
Views: 10693

Re: Anyone want to share their monthly budget? Here's ours

I am really interested in how a family of three spends only $250 per month on food. That averages out to about $8.50 per day for three meals and snacks for three people. There is no way I could possibly get my grocery bill down that low. Where do you shop? What do you eat? Does that include eating ...
by runner3081
Wed Oct 03, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Sconces, fixtures without replaceable bulbs/LEDs
Replies: 14
Views: 774

Re: Sconces, fixtures without replaceable bulbs/LEDs

daggerboard wrote:
Wed Oct 03, 2018 7:55 am
I just cant believe that the lighting industry is going down this path.
I can absolutely believe it. Makes complete sense for them.
by runner3081
Wed Oct 03, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Mobile payment service - for a church rummage sale
Replies: 5
Views: 407

Re: Mobile payment service - for a church rummage sale

I don't think this is necessary. I go to garage/church/rummage sales all year long as a side hustle. The people going to these sales are prepared and expect to pay cash (thus are carrying plenty). At the less than 1% of sales (homes and church/rummage) where they take CC's, I always use mine, even w...
by runner3081
Tue Oct 02, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5332

Re: Root of Good's cost of raising a child: $3,300 per year

$200 for childcare per year is laughable. We spend that much on a day and a half with a local sitter. Tell me about the opportunity cost for staying at home. This is a joke. This is a joke and not acceptable to you, but we all live differently and have different priorities. What about the opportuni...
by runner3081
Tue Oct 02, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5332

Re: Root of Good's cost of raising a child: $3,300 per year

$200 for childcare per year is laughable. We spend that much on a day and a half with a local sitter. Tell me about the opportunity cost for staying at home. This is a joke. This is a joke and not acceptable to you, but we all live differently and have different priorities. What about the opportuni...
by runner3081
Tue Oct 02, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: My bank and absurd policy for "no fee"
Replies: 51
Views: 4191

Re: My bank and absurd policy for "no fee"

Chase has done this after going from WaMu.

There is a 1.5K requirement and it is worth having a local bank for a small deposit holding.

Not an issue.
by runner3081
Tue Oct 02, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 62
Views: 10693

Re: Anyone want to share their monthly budget? Here's ours

Family of 3: HOUSING/UTILITIES Natural Gas - $37.00 Water/Sewer/Garbage - $57.00 Internet - $42.99 Cell Phones - $0 (FreedomPop) Electric - $175.00 Mortgage+Prop Tax+Homeowners Insurance - $1,119.50 HOA Dues - $67 Housing/Utilities - Total - $1,498.49 Insurance (Non-Auto) Me Life Insurance - $36.25...
by runner3081
Mon Oct 01, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Can old perfumes/cologne be used?
Replies: 15
Views: 1324

Re: Can old perfumes/cologne be used?

Definitely look at sold listings on eBay first, then donate of toss (if not worth much).
by runner3081
Sun Sep 30, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Help me manage my day to day bills to save more!!
Replies: 45
Views: 3502

Re: Help me manage my day to day bills to save more!!

A few thoughts... 1) Pool - Don't heat it. We have a pool and the electricity cost for the pump isn't really that terrible. Also, run the pump fewer hours per day. 2) Ditch Hulu/Netflix, etc 3) Grab a different cell plan, should easily get under $30 per month combined with RedPocket or similar. 4) D...
by runner3081
Sun Sep 30, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: confused on how tips work
Replies: 7
Views: 793

Re: confused on how tips work

Whew, glad to see this wasn't a post about leaving tips :)
by runner3081
Sat Sep 29, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage premiums continue to decline while plan choices and benefits increase in 2019
Replies: 17
Views: 1764

Re: Medicare Advantage premiums continue to decline while plan choices and benefits increase in 2019

Is it possible that the networks are shrinking for MAPs?

I know that is an issue for people in my area, a couple of major healthcare players don't accept advantage plans.
by runner3081
Sat Sep 29, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: Playing with FIRE(Financial Independence) documentary trailer.
Replies: 15
Views: 2476

Re: Playing with FIRE(Financial Independence) documentary trailer.

Well, I am a sucker for FIRE, so I would watch it. Though, I anticipate the other 1.5 hours of the movie, outside of the trailer clips, would mostly be boring with no substance.
by runner3081
Thu Sep 27, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Am I the only one...[using multiple accounts]
Replies: 27
Views: 1361

Re: Am I the only one...[using multiple accounts]

In many cases, people who have poor savings/budgeting skills use these accounts. It is just a "hurdle" to them spending money that is allocated for something else.

To me, it seems like a waste of time.
by runner3081
Thu Sep 27, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Access to WSJ denied
Replies: 11
Views: 1455

Re: Access to WSJ denied

Same here, guess the backdoor has been closed.

Oh well.
by runner3081
Thu Sep 27, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3428

Re: Good flip flops

Teva, I would never wear flip flips without arch support.
by runner3081
Wed Sep 26, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Know Any Good Forums for Android Smartphone Users?
Replies: 7
Views: 837

Re: Know Any Good Forums for Android Smartphone Users?

HowardForums. Not just Android, but a good resource.

https://howardforums.com

Also:
XDA Developers

https://forum.xda-developers.com/
by runner3081
Mon Sep 24, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: Car predicament
Replies: 14
Views: 2409

Re: Car predicament

Blown engine is not a real thing. What really happened? Did he do all of the maintenance (did the previous owner)? Did he get a pre-purchase inspection? Does he have any cash? How much is a replacement engine? How many miles when he bought it? Did he buy it from a dealer? I am not sure I see any fau...
by runner3081
Sun Sep 23, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: Mom needs hip revision: how can I fight on her behalf?
Replies: 22
Views: 1910

Re: Mom needs hip revision: how can I fight on her behalf?

Every healthcare institution I have worked for has actively tried to control payer mix, it is just a reality. If you think this is bad, It is really crazy what they do in smaller private practices! Taking out the ethics of equal access to healthcare, it does make sense. If there were two groups of ...
by runner3081
Sun Sep 23, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Mom needs hip revision: how can I fight on her behalf?
Replies: 22
Views: 1910

Re: Mom needs hip revision: how can I fight on her behalf?

I'm assuming that you mom in on Medicare. If so, this may explain Mayo's response.... http://www.startribune.com/mayo-to-pick-privately-insured-patients-amid-medicaid-pressures/416185134/ From article: Mayo Clinic’s chief executive made a startling announcement in a recent speech to employees: The ...
by runner3081
Sun Sep 23, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: What is right place for MLPs in portfolios?
Replies: 12
Views: 743

Re: What is right place for MLPs in portfolios?

Definitely in a tax-advantaged account. Do not hold in a brokerage/taxable account. Made that mistake and though not difficult to file the taxes, you have to wait forever for the K1.

Dumped the MLP I had in 2017. This will be the first tax filing season without it!
by runner3081
Sun Sep 23, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Best/worst flavors of Gatorade/Powerade
Replies: 25
Views: 1754

Re: Best/worst flavors of Gatorade/Powerade

I only drink Powerade Zero for a sports drink and only buy when less than $.50 per 32oz bottle.

Best flavor is blue, worst is orange.
by runner3081
Sun Sep 23, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Experiences (Ideas for)
Replies: 8
Views: 946

Re: Experiences (Ideas for)

Fund, orchestrate and deliver a "make a wish" opportunity for a child.
by runner3081
Sun Sep 23, 2018 8:17 am
Forum: Investing - Theory, News & General
Topic: How do you define your success in our life, career and job?
Replies: 25
Views: 1810

Re: How do you define your success in our life, career and job?

Someone who sets a good example for my daughter and is a good husband. For others, someone they see as "real" and trustworthy. The rest? Who cares. Years ago, it was extremely different. That was about climbing the career ladder to buy more crap - which I thought would make you happy and show succes...
by runner3081
Thu Sep 20, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: YouTube Home workout vidoes
Replies: 33
Views: 2349

Re: Home workouts

Running or biking? Good cardio since you have the weight training covered. I have a stationary bike but get bored on it. I also have a bunch of other bikes but the workout needs to be done at home. No, not that stationary bike or treadmill garbage. Outside, fresh air! Not sure why it needs to be ho...
by runner3081
Thu Sep 20, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: YouTube Home workout vidoes
Replies: 33
Views: 2349

Re: Home workouts

Running or biking? Good cardio since you have the weight training covered. I have a stationary bike but get bored on it. I also have a bunch of other bikes but the workout needs to be done at home. No, not that stationary bike or treadmill garbage. Outside, fresh air! Not sure why it needs to be ho...
by runner3081
Thu Sep 20, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: YouTube Home workout vidoes
Replies: 33
Views: 2349

Re: Home workouts

Running or biking? Good cardio since you have the weight training covered.
by runner3081
Thu Sep 20, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)
Replies: 36
Views: 2547

Re: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)

Not a thing. Christmas shopping is usually done by that time as well.

Over the last two years, we have bought one thing, a Kindle Fire Stick.
by runner3081
Thu Sep 20, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Is there any info on old sim cards?
Replies: 8
Views: 797

Re: Is there any info on old sim cards?

GSM Cards = Yes
CDMA (Verizon, etc) = No Data
by runner3081
Wed Sep 19, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Pool Water Question
Replies: 3
Views: 538

Re: Pool Water Question

Teague wrote:
Wed Sep 19, 2018 6:12 pm
https://www.troublefreepool.com/calc.html
+1
by runner3081
Wed Sep 19, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3549

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Buy out BMW Pay estimated 12K (or more) in upkeep (yearly oil, new sets of tires, new brakes, new plugs) Buy new car (like a reliable Honda Civic) Pay estimated 3K in maintenance I think that is too extreme of a difference, having owned a number of BMW's in the past. Maintenance costs aren't really...
by runner3081
Tue Sep 18, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3549

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Buy out BMW Pay estimated 12K (or more) in upkeep (yearly oil, new sets of tires, new brakes, new plugs) Buy new car (like a reliable Honda Civic) Pay estimated 3K in maintenance I think that is too extreme of a difference, having owned a number of BMW's in the past. Maintenance costs aren't really...
by runner3081
Tue Sep 18, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Prepaid SIM card with longest expiration dates
Replies: 4
Views: 383

Re: Prepaid SIM card with longest expiration dates

PagePlus has 166 minutes for $10 with a 120-day expiration period.They use the Verizon Network, used them for 2-years in the past, no issues. 4G Pay-As-You-Go Plans3G Pay-As-You-Go Plans Plans Minutes Included Cost Per Minute Minutes Last For $10 166 MINUTES $0.06 120 days https://www.pagepluscellul...
by runner3081
Tue Sep 18, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Consumer Issue - Storage Unit Rental
Replies: 14
Views: 1193

Re: Consumer Issue - Storage Unit Rental

Jack FFR1846 wrote:
Tue Sep 18, 2018 8:35 am
Honestly.....craigslist.....yard sale.....eBay. Unload the things that you need to store.
+100

Why people need to store stuff is beyond me as well.

Material possessions only cost you time and money.
by runner3081
Tue Sep 18, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: How to watch baseball playoffs without cable
Replies: 36
Views: 2342

Re: How to watch baseball playoffs without cable

I use www.reddit.com you can find links to all sports and games there. Search in the search block.. ie.. MLBstreams, NFLstreams, GOLFstreams.. and it is all FREE! Not legal. Well... that is a slippery slope. The legal issue is with sharing, not necessarily watching. BUT if someone steals groceries,...