Search found 118 matches

by 3dream3
Sun May 17, 2020 6:36 pm
Forum: Personal Consumer Issues
Topic: Sump Pump Dual System
Replies: 28
Views: 1288

Re: Sump Pump Dual System

I installed the following combo unit which is mostly a similar design as the one that you're looking at: https://www.sumppumpsdirect.com/iON-Products-JSPIII-Sump-Pump/p14997.html It's been a few years and it's been working very well. This one has an Ion sensor switch for the primary and a separate f...
by 3dream3
Sat May 16, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 15832

Re: Coronavirus Flight Cancel Thread

Thanks to you all, I called and cancelled the tickets today, and they stated it would be for a refund to my credit card. However, there was an additional step: After the representative cancelled the tickets, she stated I had to go online to the AA website and enter the ticket numbers and last name ...
by 3dream3
Fri Apr 10, 2020 6:46 pm
Forum: Personal Consumer Issues
Topic: Laptop buying advice
Replies: 41
Views: 3145

Re: Laptop buying advice

We just got a Dell 13" 2-in-1 last week from Dell Outlet. Not sure how you feel about refurbs... but we got a scratch and dent model that is pretty much perfect. Honestly, there was one very small scratch on the outside... otherwise no other blemishes or dents. With staying at home... we really need...
by 3dream3
Mon Feb 24, 2020 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2019 tax refund?
Replies: 111
Views: 8582

Re: How quickly did you receive your 2019 tax refund?

• Return submitted and accepted: 2/6/2020
• Refund deposited: 2/20/2020

Still waiting for state refund...
by 3dream3
Thu Jan 02, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much were you able to save this year?
Replies: 142
Views: 11140

Re: How much were you able to save this year?

Gross: ~$380k or Net: ~$250k Savings: ~$233k Savings spread through the following: Both 401k/403b/Defined Benefit (with matches): ~$50k Both backdoor Roth: $12k 529: $20k Taxable account: ~$91k Cash: ~$50k (most of this has now been contributed to backdoor Roths and 529s for 2020) Our youngest stopp...
by 3dream3
Thu Jan 02, 2020 11:07 am
Forum: Personal Investments
Topic: Roth IRA - so who hit 'enter' at 12:01AM this morning?
Replies: 113
Views: 10978

Re: Roth IRA - so who hit 'enter' at 12:01AM this morning?

OP, Not buying until I have earned income of 6K in 2020. KlangFool That makes sense. I made our contribution this morning so I’ll let it ride. Next year I’ll wait until we have the $12k or maybe $13k income. I honestly never thought about this either and totally makes sense. I already funded both o...
by 3dream3
Mon Dec 23, 2019 11:51 pm
Forum: Personal Consumer Issues
Topic: Time to replace the Water Heater - Lots of Questions - Help!
Replies: 77
Views: 5835

Re: Time to replace the Water Heater - Lots of Questions - Help!

We spent $1700 to have ours replaced with another 50 gallon Bradford White water heater in IL. This was actually the cheapest quote out of four companies I called... the rest were about $100-$200 more. We're a family of five and this provides lots of hot water when taking back to back showers along ...
by 3dream3
Fri Nov 08, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: "Beer Money" Methods
Replies: 54
Views: 7714

Re: "Beer Money" Methods

My company offers 'perks at work' for online discount shopping. It works like ebates/rakuten in that you click through their site to get to the merchant's website and then earn wowpoints with each purchase... which then in turn can be used for money off/back for future purchases. It does take awhile...
by 3dream3
Wed Nov 06, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: Smart Garage Door Openers
Replies: 34
Views: 2595

Re: Smart Garage Door Openers

Are we talking about this unit: MyQ Smart Garage Door Opener Chamberlain MYQ-G0301 - Wireless & Wi-Fi enabled Garage Hub with Smartphone Control https://www.amazon.com/Smart-Garage-Opener-Chamberlain-MYQ-G0301/dp/B075H7Z5L8/ref=sr_1_1_sspa?keywords=MyQ+Smart+Garage+Hub&qid=1573054137&s=hi&sr=1-1-sp...
by 3dream3
Sun Oct 20, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 9664

Re: Wallets [Do you carry a wallet?]

I agree. I have many points and rewards cards for various stores, gas cards, grocery store cards, etc, but I leave them in my car console and only take them out if I'm actually walking into that particular store... Forgot to also mention about these other reward/membership/gift cards. I have also l...
by 3dream3
Sun Oct 20, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Purchasing a Pre-Owned iPhone
Replies: 23
Views: 1900

Re: Purchasing a Pre-Owned iPhone

Another option is MyWit if your workplace has it as part of a perks discount program. We bought my daughter a used iPhone last year since my wife has this discount through her work. The phone was in great shape and is still doing very well.
by 3dream3
Sat Oct 19, 2019 11:51 pm
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 9664

Re: Wallets [Do you carry a wallet?]

I have a phone case that holds my license and 2 credit cards... one of which is my Costco card. I loaded my debit and other cards on to Samsung Pay... so I really use that when possible and to withdraw cash. When I travel, I switch back to my old money clip which also holds the same items as my phon...
by 3dream3
Thu Sep 26, 2019 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Loan
Replies: 19
Views: 1091

Re: Auto Loan

We just bought a new to us CPO car last month. We were planning on paying cash but they came back and said our rate would be 0.9% for 3 years... total interest would be less than $400. We financed and the next week I put the money in to VTSAX. I too don't like auto loans so I will still be paying ex...
by 3dream3
Thu Sep 26, 2019 9:49 pm
Forum: Personal Consumer Issues
Topic: Buying expensive TVs online
Replies: 54
Views: 4576

Re: Buying expensive TVs online

We bought a 65in Samsung TV from Samsung when our workplace had substantial discounts when ordering online. From other forums, folks suggest to check the TV for cracks and even power it on once it is delivered while the delivery guys are there. If anything is wrong, they have refused delivery to get...
by 3dream3
Fri Sep 13, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: What dish soap do you use?
Replies: 54
Views: 3562

Re: What dish soap do you use?

When I was growing up, I'd help my mom with the dishes. With 1-2 drops of Palmolive, soap suds galore and we were good for 15-20 mins of scrubbing. I just had to respond when I read this first sentence since I can totally relate as this brings me back to when I was a kid... helping my mom... while ...
by 3dream3
Thu Jun 20, 2019 11:03 pm
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 55
Views: 3654

Re: Passport photos cheap

Very timely post as I have to renew my kids' passports. Coworker said to go the DIY route... after reading this, I'll do the Costco route like before. With 3 kids to renew, I'd be more comfortable knowing that the pics will be done right this way. Too bad the kids are not really in to the hot dogs a...
by 3dream3
Sat May 04, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone down-shifted in their career?
Replies: 59
Views: 8165

Re: Has anyone down-shifted in their career?

I fortunately stepped down a few years ago however unfortunately due to a couple of health scares (which is why we choose to keep a rather large emergency fund). Even after the first event, I still didn't let that stop me from climbing up the ladder. After the second event, that's when I really took...
by 3dream3
Thu Apr 18, 2019 9:09 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 80
Views: 6407

Re: In which companies do you own a single share, or token amount, of stock?

I have one stock of T-Mobile (TMUS). They were gifting one share during one of their T-Mobile Tuesday giveaways. I really don't know why I still keep it but I am still with them for cell service!
by 3dream3
Wed Mar 20, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Case and Screen Protector?
Replies: 5
Views: 449

Re: Cell Phone Case and Screen Protector?

I have had good success with speck cases. I am using one now. I actually just bought a Speck Presidio case for my daughter a few mins ago. My wife is using one currently on her iphone and my daughter just got a new to her (refurbished) iphone so my wife said get her the same speck. My wife does not...
by 3dream3
Fri Mar 08, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: When were you able to max out your 401k, IRAs?
Replies: 69
Views: 5889

Re: When were you able to max out your 401k, IRAs?

Mid 30s for me. Prior to that, maybe just enough to get the match and did not even think about IRAs... all because I wanted to spend my money on frivolous things and hanging out every weekend with no regard to my future :oops:
by 3dream3
Sat Feb 16, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: United States tax software
Replies: 10
Views: 810

Re: United States tax software

Wabbit wrote:
Sun Feb 03, 2019 5:50 pm
freetaxusa.com has worked well for me. Free federal, state is $12.95.
You can also use the discount code of FREETAXUSA10 for an additional 10% off. State comes out to $11.65... not much but every little bit helps.
by 3dream3
Sat Feb 16, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Rental Car Company Preferences
Replies: 26
Views: 1974

Re: Rental Car Company Preferences

We frequently use Enterprise for the main reason that they're always the cheapest... however, this is mostly due to my workplace having discount leisure codes that we can use that comes out cheaper than Costco or other discounts that I can get elsewhere. My work actually has discounts with the other...
by 3dream3
Tue Feb 12, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 37008

Re: Tax 2018: Shock and Awe

I was actually shocked/awed but in a pleasantly surprised way this year so we're probably the minority based upon everything else that is being posted on here and in the news. MFJ - total income up about 30k Tax Bracket - from 33% to 32% Effective Tax Rate- from 26% to 19% Took standard deduction th...
by 3dream3
Sun Feb 10, 2019 1:44 am
Forum: Personal Investments
Topic: What to invest in after 401k and Roth maxed?
Replies: 8
Views: 1244

Re: What to invest in after 401k and Roth maxed?

After 401k/403b/Backdoor Roths... we contribute to 529s up to the max state deduction. Wish we could do mega backdoor roths but neither of our workplaces allow it which is a big bummer. So in taxable, we currently contribute to VTSAX and VTIAX with Vanguard. We also have another brokerage from prior...
by 3dream3
Sun Feb 10, 2019 1:30 am
Forum: Investing - Theory, News & General
Topic: Here's to Tax Loss Harvesting
Replies: 19
Views: 2407

Re: Here's to Tax Loss Harvesting

I TLH'd for the very first time last year... well, a couple of times actually. Nice to see that these will be carried over for the next couple of years for us! :sharebeer
by 3dream3
Sun Feb 10, 2019 1:15 am
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 9486

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

Here is an article on old tires and the need to replace... https://www.edmunds.com/car-maintenance/how-old-and-dangerous-are-your-tires.html Specifically, this section applies to your exact situation: Make Sure You're Getting a "Fresh" Tire "Just because a tire is unused doesn't mean it's new. In a ...
by 3dream3
Wed Feb 06, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?
Replies: 62
Views: 5152

Re: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?

Just checked and it's working for me too. I actually used freetaxusa since I got fed up with taxact hanging and can verify that the numbers match between the two programs. I will go with freetaxusa... still cheaper with the same end result. Taxact just confirms things with freetaxusa for me! Just go...
by 3dream3
Sun Jan 27, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: Honda/Acura maintenance minders
Replies: 56
Views: 4681

Re: Honda/Acura maintenance minders

We've had Acuras/Hondas with the same maintenance minder and just follow whatever it says to do when to do it. I gave my old Acura TL to a family member and they just follow the maintenance minder schedule too and that car is going on 210k miles. I have to say that I don't really pay attention to th...
by 3dream3
Sat Jan 26, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: Tax Season Tax Options
Replies: 39
Views: 4155

Re: Tax Season Tax Options

I am using freetaxusa at the recommendation of Bogleheads. So far I like it a lot. I will be using freetaxusa this year too. I used it last year when I did a family member's taxes and liked it as well. I've been using taxact for many years and started to use it again this year but for some reason i...
by 3dream3
Tue Jan 15, 2019 10:16 pm
Forum: Personal Consumer Issues
Topic: finding a good plumber
Replies: 19
Views: 1475

Re: finding a good plumber

renue74 wrote:
Tue Jan 15, 2019 7:44 pm
For plumbing stuff....look at Nextdoor.com, ask friends, neighbors, co-workers.
+1 for Nextdoor.com - this is actually how I found the plumber that replaced our water heater.
by 3dream3
Fri Jan 04, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Need Recommendation for Paint Color
Replies: 27
Views: 2045

Re: Need Recommendation for Paint Color

If you're looking for a neutral beige, we used Sherwin Williams - Nantucket Dune. We first painted in this color when we moved in. Now my wife wants gray... after I already bought a 5 gallon bucket last year to be used for all of the touch ups that I do all the time with kids in the house :oops: nic...
by 3dream3
Fri Jan 04, 2019 11:26 am
Forum: Personal Investments
Topic: 2019 Lump Sum IRA Contribution
Replies: 28
Views: 2219

Re: 2019 Lump Sum IRA Contribution

I just sent $3000 into traditional IRA (federal MMF), Vanguard. Do you think I will be able to convert to Roth tomorrow or will they not be ready? I was able to backdoor roth just now. I opted ofcourse not to withhold any taxes (since non-deductible T-IRA) and also not send me any withholding notic...
by 3dream3
Thu Jan 03, 2019 11:23 pm
Forum: Personal Investments
Topic: 2019 Lump Sum IRA Contribution
Replies: 28
Views: 2219

Re: 2019 Lump Sum IRA Contribution

I contributed 6k in to each of our tIRA accounts yesterday and waiting for it to post in to the settlement fund and then convert to Roth. Will need to wait a couple of more days before buying anything since I TLH'd early last month. I did the same, awaiting funds to post to settlement fund. Is ther...
by 3dream3
Thu Jan 03, 2019 10:55 pm
Forum: Personal Investments
Topic: 2019 Lump Sum IRA Contribution
Replies: 28
Views: 2219

Re: 2019 Lump Sum IRA Contribution

I contributed 6k in to each of our tIRA accounts yesterday and waiting for it to post in to the settlement fund and then convert to Roth. Will need to wait a couple of more days before buying anything since I TLH'd early last month.
by 3dream3
Tue Jan 01, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Snow Plowing
Replies: 54
Views: 2938

Re: Snow Plowing

I snowblow our driveway and sidewalk. As I get older, I think more of paying someone to do it... or this just adds another reason to leave IL and move somewhere warmer 8-)
by 3dream3
Mon Dec 31, 2018 11:51 pm
Forum: Personal Consumer Issues
Topic: Radon Mitigation System
Replies: 20
Views: 2020

Re: Radon Mitigation System

We just had a mitigation system installed last month... paid just under $1200 which seems to be the going rate here when I called around. Prior to buying our house, it tested under 4... that was about 9 years ago. Finally got around to testing it again and it came back at 4.5 so my wife wanted to ge...
by 3dream3
Fri Dec 07, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Portable Bluetooth Speaker Recommendations (loud and good sound quality)
Replies: 33
Views: 2432

Re: Portable Bluetooth Speaker Recommendations (loud and good sound quality)

I've got a JBL 3 that sounds great in my 15 x 20 living room. At less than $100 at most places, I found it hard to beat. Link to JBL, https://tinyurl.com/yaya9zbx I have the same one too and this sounds great in the basement when I'm working out. I picked it up at Target on clearance so you might s...
by 3dream3
Fri Nov 30, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 3595

Re: Dual Monitor Set up

j9j wrote:
Thu Nov 29, 2018 9:19 pm
I have not had that problem with webex and zoom. Those conferencing apps autoadjust resolution.
Good to know... thank you, j9J!
by 3dream3
Wed Nov 28, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 3595

Re: Dual Monitor Set up

I do what you describe quite a bit for work. It works fine. A true dual monitor would be a bit better as with one monitor, an app window overlaps the video window window inadvertently. I use dells software that auto snaps windows but not as good as putting all the productivity apps in a totally sep...
by 3dream3
Wed Nov 28, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 3595

Re: Dual Monitor Set up

For those with a single ultrawide monitor... curious to know what your experience is with video conferencing (ie: Webex, GoToMeeting, Skype)? We do a lot of webex (at least 2-3 sessions a day) and at work, I have two 24" monitors that I display/share one screen and multitask on the other. At home, I...
by 3dream3
Tue Nov 13, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Donating Airline Miles?
Replies: 5
Views: 473

Re: Donating Airline Miles?

Reset the expiration with getting a magazine subscription ..some as low as 5-600 miles . For us, we normally do this and just reset the timer. For the kids, we did the same but the last time, I just donated all of their AA miles. We have 3 kids and donated to each of the causes that American had......
by 3dream3
Wed Oct 31, 2018 4:11 pm
Forum: Personal Investments
Topic: TLH VTIAX [Tax loss harvest - Vanguard Total International Stock]
Replies: 69
Views: 7190

Re: TLH VTIAX

i would like you to list your many, many more decent TLH partners for VTIAX at Vanguard? for education purposes of course. But I'll throw you a bone: VTSAX is not a bad temporary TLH partner for VTIAX. Think about it. Yes. This. Thanks for this! I'm looking to TLH VTIAX tomorrow... which will get m...
by 3dream3
Fri Sep 28, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Geico umbrella us dropping me. What can I do?
Replies: 37
Views: 6454

Re: Geico umbrella us dropping me. What can I do?

There is an system call CLUE that reports all of you insurance claims sort of like how the credit reporting companies report your credit history. You can also get a free report from them to see what is on your history. It would be good to get that to check to make sure that there are not any errors...
by 3dream3
Thu Sep 20, 2018 1:57 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA
Replies: 8
Views: 1158

Re: Backdoor Roth IRA

I saw this blog post was recently updated a couple of days ago... this may also be helpful:

https://www.whitecoatinvestor.com/backd ... -tutorial/
by 3dream3
Thu Sep 20, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 110
Views: 31042

Re: Water Heater Install $1,800!

We just had ours replaced a couple of weeks ago. We replaced it with the same previous model which was a Bradford White Power Vented model... cost came out to $1700 total. I got 3 different quotes and they were all +/- $100 within each other so I went with the one that was local and had the best rev...
by 3dream3
Tue Aug 28, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 46
Views: 13468

Re: Unique Phone Apps that you find yourself using most often?

In addition to some or most that has already been mentioned that I use, some other ones are... - Samsung Pay: I use this frequently to pay for things when I can - Samsung Smartthings, Ring, home alarm app: home monitoring apps - Walgreens: easy to refill prescriptions - Remind, PhotoCircle: staying ...
by 3dream3
Sat Aug 18, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Worth seeing comedian live if already saw their Netflix special?
Replies: 20
Views: 2082

Re: Worth seeing comedian live if already saw their Netflix special?

I was at the Chicago Theater for the two live shows in a week. The first one was near the back and I had a nice enough time but had trouble hearing some jokes. I was within the first 10 rows for the second show and it was like night and day. It felt like a completely different atmosphere and much m...
by 3dream3
Thu Aug 16, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 31
Views: 3539

Re: Costco penny install sale & road hazard terms

I bought my current set of michelins during one of their penny installation sales as well. I got a nail a couple of months after that and they patched it at no charge. Then about a year and a half later (roughly 15k miles), I hit something that put a nice sized slit in the tire. I was less than a co...
by 3dream3
Thu Aug 09, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: First time taking kids to airport..
Replies: 28
Views: 2639

Re: First time taking kids to airport..

We always use long term parking too. We have 3 kids and it actually is comforting to get in to your own car after a plane ride. We also looked in to uber, shuttles, and even limos... but it was always more than long term parking since we are kind of far from the airport. I also suggest over the ear ...
by 3dream3
Fri Jul 27, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Sub-500 laptop *brand* suggestions
Replies: 19
Views: 2259

Re: Sub-500 laptop *brand* suggestions

Check out their Outlet site if you don't mind buying something that isn't 100% new. Some of the items are returns, but all are warrantied. I just received the following from Dell Outlet this week. They had a pretty good sale going which looks like it ends tonight unfortunately. I paid about $610......