Search found 1266 matches

by runner3081
Mon Mar 12, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: my house predicament
Replies: 10
Views: 1215

Re: my house predicament

Neighbors come and go.

They will also come and go wherever you move.

Moving to get away from bad neighbors is a game you may never win.
by runner3081
Mon Mar 12, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: FSA plan year - how does it work?
Replies: 3
Views: 322

Re: FSA plan year - how does it work?

rasputin wrote:
Mon Mar 12, 2018 5:23 pm
Are we allowed to use our FSA account to pay for eligible incurred expenses that occurred shortly before our employer sponsored FSA accounts were started?
No.
by runner3081
Sat Mar 10, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 61
Views: 4867

Re: Tires: Where to Get? Warranty? And Questions?

My entire family has been using Discount Tire forever. No issues. +1 I have always had great service from my local Discount tire. They have gone above and beyond on several occasions even fixing a problem (tire pull) from another big box club warehouse tire when they refused... Try to take advantag...
by runner3081
Sat Mar 10, 2018 7:30 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 61
Views: 4867

Re: Tires: Where to Get? Warranty? And Questions?

My entire family has been using Discount Tire forever. No issues.
by runner3081
Fri Mar 09, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: What do you pay for your phone/cable/internet? REAL total with tax?
Replies: 48
Views: 2840

Re: What do you pay for your phone/cable/internet? REAL total with tax?

Internet w/Cox (slow 5mbps) - $42.99 - No taxes or fees
Starter Internet 5 Mbps $42.99
Total Internet $42.99
TOTAL MONTHLY SERVICES $42.99
TOTAL NEW CHARGES $42.99

Cell Phones 2 Lines - $0 (FreedomPop)

Antenna for TV - $0
by runner3081
Wed Mar 07, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Time to open another credit card line?
Replies: 10
Views: 1072

Re: Time to open another credit card line?

Are you buying a house soon? If not, who cares about a small drop in a credit score.
by runner3081
Wed Mar 07, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Car Subscriptions
Replies: 22
Views: 2375

Re: Car Subscriptions

Just another way to take money from the financially illiterate.
by runner3081
Wed Mar 07, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 10776

Re: Ok fellow boggelheads, was the correction earlier this year scary?

3funder wrote:
Wed Mar 07, 2018 2:54 pm
Nope; I'm annoyed that it was limited in magnitude. I'm young and wish to buy shares on the cheap.
Came here to say this same thing. Upset it didn't tank more.
by runner3081
Wed Mar 07, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 13716

Re: HSA family max contribution lowered to $6850 for 2018

Wow, insane. Fortunately we spread it out all year, so no impact. Will contact the HR department tomorrow and make sure they plan on changing the limit in their system.
by runner3081
Wed Mar 07, 2018 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Switching to online bank. Keep brick/mortar bank account open?
Replies: 54
Views: 3195

Re: Switching to online bank. Keep brick/mortar bank account open?

We went to Ally bank about 8 years ago. We did, however, keep a Chase account open. It is the checking account and we keep the min $1,500 to avoid fees. It is nice to have a local bank with branches everywhere for depositing cash, certified checks and notary services.
by runner3081
Tue Mar 06, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Is just my smart phone this dumb?!
Replies: 15
Views: 2103

Re: Is just my smart phone this dumb?!

Use SwiftKey.
by runner3081
Tue Mar 06, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Non-Government 457 - To do or not to do!
Replies: 7
Views: 706

Re: Non-Government 457 - To do or not to do!

Another vote for doing it. Healthcare here as well, over 100 years in business. Though I don't qualify at the moment, one more promotion and I will be eligible. Plan on maxing it out. Having worked in HR at a previous health system with an 457, there really is a small risk of loss overall. It is a "...
by runner3081
Tue Mar 06, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Pickleball versus Tennis
Replies: 27
Views: 2685

Re: Pickleball versus Tennis

I would go with the tennis court and have a pickleball court lines drawn in as well.

As others have commented, Pickleball is so much easier on the body. I played tennis through college and later, it destroyed my wrists, elbows and shoulders. I play pickleball weekly now and have no pain, it is great!
by runner3081
Mon Mar 05, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Need an explaination of my explaination of benefits
Replies: 6
Views: 685

Re: Need an explaination of my explaination of benefits

Did you look on the dental insurance site before choosing them? If you look on the right side, it clearly shows that this dentist is "non-par" in your plan. In other words, they are not bound by any limits of your insurance. Try looking for someone in your plan, in almost all cases they are contract...
by runner3081
Mon Mar 05, 2018 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Need an explaination of my explaination of benefits
Replies: 6
Views: 685

Re: Need an explaination of my explaination of benefits

My last dentist did that. Initially, he contracted with our insurer, then decided that his reimbursement was not enough. He gave us plenty of notification and referrals to others. Ultimately, we liked him and paid the $60 each cleaning. My current dentist does take Delta Dental of MN as final paymen...
by runner3081
Mon Mar 05, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 3786

Re: Etiquette of hanging up on live telemarketers

First, I don't ever answer my phone if I don't recognize the number. If it is important, they will leave a voicemail or call back.

When I used to answer the phone, I would give it to my daughter. She was 2-3 years old when we did that. It would frustrate the heck out of the callers with her babbling.
by runner3081
Mon Mar 05, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Donations to your enrolled public school
Replies: 106
Views: 5996

Re: Donations to your enrolled public school

Zero.

Well, outside of the $20-$60 per year for class activities, teacher gifts, etc that the room mom solicits.
by runner3081
Sun Mar 04, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Flying Frontier- Heads Up
Replies: 21
Views: 2574

Re: Flying Frontier- Heads Up

Bottom line with Frontier-- no fare price protection, no travel credits, no free change. Fares are non-refundable and any change costs 95.00/ticket. Stuck with what we have for a fare. Usually the flight fares get more expensive the closer one gets to the date of travel. With Frontier the fares are...
by runner3081
Sun Mar 04, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Bathroom remodel decision
Replies: 41
Views: 2276

Re: Bathroom remodel decision

We plan to stay put for at least 10 more years. I'm wondering if we should just get what we'd like, or what the "market" prefers? With that time-line, whatever you do now will need to be completely redone or the new buyer may gut the bathroom. The market is not relevant for this decision. As long a...
by runner3081
Sun Mar 04, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Bathroom remodel decision
Replies: 41
Views: 2276

Re: Bathroom remodel decision

Although no forsthand experience, what I would find attractive is the sink and toilet more separated from the shower. Yes, this is more important than anything. Our current house has a long bathroom with tub/shower, two sinks and a toilet all in the same area. I would toss the tub (only have a show...
by runner3081
Sun Mar 04, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Emergency Medevac - costs and options
Replies: 35
Views: 3384

Re: Emergency Medevac - costs and options

nisiprius wrote:
Sun Mar 04, 2018 8:54 am
I don't know what's involved in the kind of "Medevac" you're talking about. $30,000 for an international flight doesn't sound crazy at all. My only data
I agree. My ambulance ride for a total of 4.7 miles was $1,200.
by runner3081
Fri Mar 02, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Goodbye Emergency Fund (sorta)
Replies: 34
Views: 4077

Re: Goodbye Emergency Fund (sorta)

The problem is if the economy gets bad, you can lose your job and the stock market goes down at the same time. If it is a bad market, your brokerage account (all stocks) could drop about 50%. You might then be forced to sell stocks when the prices are down. An emergency fund, or a bond fund would l...
by runner3081
Thu Mar 01, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Big umbrella increase: anyone else's risen dramatically?
Replies: 26
Views: 2614

Re: Big umbrella increase: anyone else's risen dramatically?

40+% Increase from 2017 to 2018.

Zero claims, tickets, accidents to cause it.

Went from $160 to $230.

$1m policy.
by runner3081
Thu Mar 01, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 7701

Re: Kitchen features

Under counter drink fridge.

Quiet or self/closing drawers.
by runner3081
Thu Mar 01, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Part-Time or seasonal jobs - Feed The ROTH
Replies: 13
Views: 1317

Re: Part-Time or seasonal jobs - Feed The ROTH

Check out Amazon Delivery.
by runner3081
Thu Mar 01, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: House vs Condo vs Townhouse
Replies: 36
Views: 2735

Re: HOUSE vs CONDO vs TOWNHOUSE

If you owned a house you could hire out yard word for much less than HOA fees and assessments and you would be able to enjoy having your own space Yes, I'm sure "you could hire out yard word (sic) for much less than HOA fees and assessments", because fees and assessments cover much more than yard w...
by runner3081
Thu Mar 01, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Financing Spouse's Education
Replies: 7
Views: 524

Re: Financing Spouse's Education

Just cash flow it. If you can't afford that, cut back somewhere else to do so.

We did that for my MBA and it was nice walking away with zero loans (well, part was also paid by the company).
by runner3081
Thu Mar 01, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: What are your auto insurance limits?
Replies: 59
Views: 4914

Re: What are your auto insurance limits?

I think we just did this in the last 2-months. Might be worth a search to find that thread.
by runner3081
Thu Mar 01, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for Career Change from HR Benefits to Analytic/STEM Role
Replies: 14
Views: 1360

Re: Advice for Career Change from HR Benefits to Analytic/STEM Role

There are a great deal of opportunities to stay in benefits/HR and still have an analytic role. There are actuaries for pension, analysts for life insurance, health insurance, etc. Assuming you work with a benefits broker, might be worth reaching out to them. I would imagine they have some jobs you ...
by runner3081
Thu Mar 01, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ratio of minimum vs discretionary retiree couple expenses
Replies: 51
Views: 3103

Re: Rock bottom minimum retiree couple expenses

Well, if you truly want rock bottom:

Property Taxes
Heating/Cooling/water - very minimal though
Food, never eat out
Medical Care

Don't own cars, no cell phones, no internet, no new clothes, etc.
by runner3081
Tue Feb 27, 2018 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Will my lax approach to record keeping fly in an audit?
Replies: 40
Views: 3924

Re: Will my lax approach to record keeping fly in an audit?

Please, only reply if you've ever been audited. To my audit I brought many files of paperwork. IRS agent was really nice, pleasant and friendly. He asked many questions; I offered explanations. It was a full audit: slated for every form of the tax return. We plodded through, line by line. And I pro...
by runner3081
Tue Feb 27, 2018 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to stay in HCOL area?
Replies: 72
Views: 5778

Re: Can we afford to stay in HCOL area?

Leaving to a lower COL area may mean I won't find meaningful employment in which case we're down to one income (very conservative estimate of 150-200,000 in a MCOL). That statement is not realistic. Some people in the Bay Area tend to be a little bit myopic and think that nothing exists in some fie...
by runner3081
Tue Feb 27, 2018 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 14618

Re: How much cash do you keep at any time on checking?

In checking we keep about $200-$5,000. Just depends on the time of the month.

With Ally, our savings is a "fee free" backstop to checking, so it doesn't really matter if we go too low in checking.
by runner3081
Tue Feb 27, 2018 11:10 pm
Forum: Investing - Theory, News & General
Topic: Why have Emergency Funds?
Replies: 54
Views: 4163

Re: Why have Emergency Funds?

I’m having trouble understanding the common wisdom of having a bunch of cash for Emergencies. I have a majority of my retirement in taxable equities from an inheritance. Why park $20,000+ in a low yield MM account or similar versus leave it in the market? If needed, cash can be generated from a qui...
by runner3081
Tue Feb 27, 2018 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Splitting a cell phone bill
Replies: 35
Views: 2008

Re: Splitting a cell phone bill

This was a financial question, not a relationship question. I didn't say anything about the other party or what their reaction would be. I was trying to sort out the financial aspects of it in my own mind before saying anything. I appreciate your input and have made a decision on how I will go from...
by runner3081
Tue Feb 27, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Possible career change - move to HCOL area and salary expectations?
Replies: 15
Views: 1806

Re: Possible career change - move to HCOL area and salary expectations?

N10sive wrote:
Tue Feb 27, 2018 7:06 pm
While I moved from a HCOL to another HCOL area, make sure you look at every single thing.
Yes, everything. Taxes, car insurance rates, homeowners rates, auto licensing, utilities, etc.
by runner3081
Tue Feb 27, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: cheap device to lower auto insurance and/or deter car prowl
Replies: 17
Views: 1170

Re: cheap device to lower auto insurance and/or deter car prowl

chevca wrote:
Tue Feb 27, 2018 2:41 pm
On a $3k car... how much insurance are you getting for it? I'd get liability insurance, or whatever your state's minimums would be and call it good.
Absolutely not. Sorry, but this is terrible advice.

On an older car, yes, drop collision,but DO NOT run with state min liability.
by runner3081
Tue Feb 27, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Mail diversion- one more reason to freeze credit
Replies: 10
Views: 1305

Re: Mail diversion- one more reason to freeze credit

Just used Informed Delivery, if available in your area.
by runner3081
Tue Feb 27, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand HCOL and valuations
Replies: 22
Views: 1426

Re: Help me understand HCOL and valuations

Limited supply and/or demand greater than the capacity of the area to fill it. IE: San Francisco, Scottsdale Arizona, Honolulu Hawaii, etc. There will always be wealthier folks to drive prices up as they move into limited supply/high demand areas. Scottsdale won't be there for long if they keep bui...
by runner3081
Tue Feb 27, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help with GIANT interest car loan (28%)
Replies: 44
Views: 5432

Re: Help with GIANT interest car loan (28%)

walk to work and save CASH to buy a car. $5k should be sufficient to find an old lexus ES. Can you buy a car that isn't a money pit for $5K? I ask because I'm car shopping and I was thinking I'd have to fork out $10K-$12K. Yes, easily. Bought my wife's Mercedes ML with 98K miles on it 5-years ago f...
by runner3081
Tue Feb 27, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Splitting a cell phone bill
Replies: 35
Views: 2008

Re: Splitting a cell phone bill

What is more important to you?

Saving $13 ($25-$12) or maintaining the relationship with this person?
by runner3081
Mon Feb 26, 2018 9:30 pm
Forum: Investing - Theory, News & General
Topic: Balance
Replies: 6
Views: 587

Re: Balance

Who says you can't save large amounts of your income and enjoy life?

Why does "enjoying life" usually correlate to spending money?

What if going to the park, free arts festivals, concerts, etc on the weekend is all someone wants in life?
by runner3081
Sun Feb 25, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: How long would a 09' Hyundai Sonata last?
Replies: 13
Views: 1205

Re: How long would a 09' Hyundai Sonata last?

That is pretty much the same question as wanting to know when the stock market will crash.
by runner3081
Sat Feb 24, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 12309

Re: How Far is too Far, Commuting?

No way, that sounds painful for less than 10K per year, after taxes.
by runner3081
Sat Feb 24, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: P2P Platforms for EU investors?
Replies: 10
Views: 602

Re: P2P Platforms for EU investors?

The performance has not been great in P2P over the last few years. I can't imagine how bad it will get if we hit a recession. Even with the economy doing well, the default rate has taken off. The upside doesn't seem to justify the risk anymore, especially considering the taxibility of those investm...
by runner3081
Sat Feb 24, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Playa del Carmen Vacation -- Excursion and Restaurant tips
Replies: 17
Views: 1252

Re: Playa del Carmen Vacation -- Excursion and Restaurant tips

We were there about 6 years ago. Stayed at one of the Wyndham properties. No one drinks the water. Go with bottled. We just carried US Cash, no credit cards or Pesos. We took a local bus to the ruins in Tulum. They are neat and right above the water. We also found a completely deserted beach with be...
by runner3081
Sat Feb 24, 2018 6:59 am
Forum: Investing - Help with Personal Investments
Topic: P2P Platforms for EU investors?
Replies: 10
Views: 602

Re: P2P Platforms for EU investors?

The performance has not been great in P2P over the last few years. I can't imagine how bad it will get if we hit a recession. Even with the economy doing well, the default rate has taken off. The upside doesn't seem to justify the risk anymore, especially considering the taxibility of those investme...
by runner3081
Fri Feb 23, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: What vacations or weekend getaways are you taking this summer?
Replies: 24
Views: 1828

Re: What vacations or weekend getaways are you taking this summer?

One vacation, back to Newport Beach, CA for 8-days.

AirBNB, right across from the place we stayed last year for 6-days. Two blocks from the beach.

My daughter loves the beach and the bonus is that we don't have to fly.