Search found 1652 matches

by runner3081
Sat Aug 25, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: MBA + Project Management Salary?
Replies: 17
Views: 1585

Re: MBA + Project Management Salary?

Dottie57 wrote:
Sat Aug 25, 2018 1:01 pm
I never think of PMP as a route to executive management. Line managers-maybe.
I agree. Those who are in management positions and take stretch opportunities on projects outside of their own area are usually promoted. Not ones who are strictly project managers.

At least from what I have seen.
by runner3081
Sat Aug 25, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Rant - Why is everything so poorly made today
Replies: 12
Views: 1116

Re: Rant - Why is everything so poorly made today

Most consumers want cheaper prices. To meet those demands, they build cheaper items.

Obviously, that may not apply to the people on this forum. But, we all know about the people out there with no emergency fund, who live paycheck-to-paycheck, etc.
by runner3081
Sat Aug 25, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: When do you replace a working desktop computer?
Replies: 27
Views: 2102

Re: When do you replace a working desktop computer?

I do not replace a machine until it no longer does what I need. Same here, my laptop is 8-years old on Monday :) It was a refurb when I bought it as well. I went from 4gb to 8gn ram about 6 years ago and then swapped out the original HDD for a solid state drive 3-years ago. Works great with no issu...
by runner3081
Fri Aug 24, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Any advice if I should buy this Used Minivan?
Replies: 21
Views: 1510

Re: Any advice if I should buy this Used Minivan?

How much cheaper is it than comparables without accidents?
by runner3081
Fri Aug 24, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: Pay off mortgage with 5.12% interest rate?
Replies: 12
Views: 905

Re: Pay off mortgage with 5.12% interest rate?

I would absolutely pay it off.

Of course, I am in favor of paying off mortgages, even in the face of what are likely mathematically better choices.

We have a 3.49% with around $135k that will be gone very soon.
by runner3081
Thu Aug 23, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: Best way to get Skype or Facetime on a TV?
Replies: 16
Views: 1087

Re: Best way to get Skype or Facetime on a TV?

We first started out by bringing our laptop downstairs and hooking it up to the TV to use Skype (100% of family is out of town). However, we stopped this after a few times. Our daughter is much too active and ends up out of camera view most of the time. Now, well, we just don't do video calls anymor...
by runner3081
Thu Aug 23, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Fantasy Football!
Replies: 4
Views: 532

Re: Fantasy Football!

Back in college, yes. Now, no time.
by runner3081
Thu Aug 23, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Careers
Replies: 48
Views: 3079

Re: Healthcare Careers

After working in healthcare for many years, the future, at the moment is Advanced Practice Practitioners (PA & NP). There is one little nuance that has cropped up recently with NP's which could impact her future career. Does she know if she wants to work in an outpatient clinic setting or hospital/s...
by runner3081
Tue Aug 21, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 66
Views: 6362

Re: Sellers beware on eBay.

Mingus wrote:
Tue Aug 21, 2018 7:35 pm
runner3081 wrote:
Sun Aug 19, 2018 10:51 pm
That is your problem, buying cheap Chinese knockoff crap - especially when shipped from China!

Chinese knockoffs of Chinese knockoff products? Double yikes.
There are US sellers who sell cheap Chinese knockoffs.
by runner3081
Mon Aug 20, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Thoughts on starting fresh?
Replies: 11
Views: 967

Re: Thoughts on starting fresh?

Caffeine . Stop drinking Monsters (albeit zero-carb ones like Ultra Red and Ultra Violet) altogether. I am going on about 15 years of being caffeine-free. My crutch was Coca Cola Classic. Had a family member pretty high up in the company, so it was always around as a kid. Reached peak drinking in c...
by runner3081
Mon Aug 20, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12477

Re: Excessive Emergency Room Charges - Options?

I called the billing services and asked them to bring down the amount substantially so I can pay it off but the lady is not willing to budge. She said that they CANNOT offer me any kind of discount other than financial assistance for low-wage earners if I show proof of income. Fairly common when yo...
by runner3081
Sun Aug 19, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 66
Views: 6362

Re: Sellers beware on eBay.

I have had bad experiences with EBay because of ( in my case) Chinese sellers running total scams. Ebay helped with refund but each time it took months. Guitars, headphones, phones etc. I think Ebay makes huge $$$ from these China scammmers and they really don't care. Done with Ebay. That is your p...
by runner3081
Sun Aug 19, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 66
Views: 6362

Re: Sellers beware on eBay.

You can even give them a bad rating and eBay will erase it if they dispute it. Actually, not true. As a seller, you can leave feedback for a buyer as follows: 1) Positive There are no options for even a neutral. Comments within a positive feedback don't do anything either. AND if you add a negative...
by runner3081
Sun Aug 19, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 66
Views: 6362

Re: Sellers beware on eBay.

You can even give them a bad rating and eBay will erase it if they dispute it. Actually, not true. As a seller, you can leave feedback for a buyer as follows: 1) Positive There are no options for even a neutral. Comments within a positive feedback don't do anything either. That is correct. However,...
by runner3081
Sun Aug 19, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Unequal tax treatment of HSAs and 529s
Replies: 13
Views: 1430

Re: Unequal tax treatment of HSAs and 529s

camillus wrote:
Sun Aug 19, 2018 12:01 pm
Conversely, wouldn't it be interesting if at some future date the IRS moved the rules of HSA distributions closer to that of 529s, that is, mandating that qualified withdrawals happen in the same year as the expense.
But that doesn't even appear to be the case for a 529.
by runner3081
Sun Aug 19, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 66
Views: 6362

Re: Sellers beware on eBay.

Alexa9 wrote:
Sun Aug 19, 2018 3:22 pm
You can even give them a bad rating and eBay will erase it if they dispute it.
Actually, not true. As a seller, you can leave feedback for a buyer as follows:
1) Positive

There are no options for even a neutral. Comments within a positive feedback don't do anything either.
by runner3081
Sun Aug 19, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 66
Views: 6362

Re: Sellers beware on eBay.

T4REngineer wrote:
Sun Aug 19, 2018 3:29 pm
I had heard that essentially the Seller wins for Ebay
Completely incorrect. Buyer wins.
by runner3081
Sun Aug 19, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 66
Views: 6362

Re: Sellers beware on eBay.

You are selling as a retailer to random people. It happens. I sell quite a bit on eBay and have had a few issues, but overall, not too bad.

Can you imagine the crap people bring back to Walmart?
by runner3081
Sun Aug 19, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Unequal tax treatment of HSAs and 529s
Replies: 13
Views: 1430

Re: Unequal tax treatment of HSAs and 529s

Not sure if there have been changes since 2016, but this article is a good one. ""If I use money from other sources to pay for my student's college costs incurred this year, but save the receipts and reimburse myself many years later by taking a 529 withdrawal, would that withdrawal still be tax-fre...
by runner3081
Sun Aug 19, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6702

Re: PCP Wants Full Charge Up Front

This is becoming more common. There are too many deadbeats out there who don't pay their bills. An ever increasing bad debt line can really hurt a private practice. I don't have a problem with it. Keep in mind, no one complains when the dentist makes you pay up front (which most have done for ever!)...
by runner3081
Sat Aug 18, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Switching jobs: what’s your number?
Replies: 12
Views: 1369

Re: Switching jobs: what’s your number?

Not sure I have a pure salary number, I care more about total comp at this point. It is all about your end goal and if the new job helps you reach that goal. A few years back, I took an 18% pay cut for a position with more responsibilities and better experience. Then, from there, I went to another c...
by runner3081
Fri Aug 17, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Where to sell Google Play credit?
Replies: 4
Views: 464

Re: Where to sell Google Play credit?

You can't (sell it), but as JASC15 mentioned, you can buy movies, music, books, etc.
by runner3081
Fri Aug 17, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Continue flood insurance after mortgage paid off?
Replies: 15
Views: 1132

Re: Continue flood insurance after mortgage paid off?

Your policy is rather costly. I am not sure what we would do in that situation. Last year, maps were redrawn and flood insurance was no longer required for our mortgage. Everyone I have talked to has dropped it. We have kept it. Our mortgage should be paid off in a few months. I absolutely plan to k...
by runner3081
Fri Aug 17, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: What to do in Seattle around Christmas?
Replies: 29
Views: 1545

Re: What to do in Seattle around Christmas?

I would spend most of the week in the Olympic National Park, one of the most spectacular places in the country. I drove up the Queets River (I think), which was B-E-A-utiful. I should have spent a night at Crescent Lake, it looked super nice. They are coming in December, many roads are closed at an...
by runner3081
Fri Aug 17, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Free Tire Change of Flat
Replies: 21
Views: 1753

Re: Free Tire Change of Flat

I have never had to pay for a flat repair. Sears Auto, Discount Tire, Les Schwab, etc. They all do it for free.

We have AAA. They will come out, throw the spare on. We can then take it to a tire place for repair.
by runner3081
Thu Aug 16, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Rental House Issue
Replies: 21
Views: 2643

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: 817

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: 1709

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 (UPDATE)
Replies: 25
Views: 2620

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 (UPDATE)
Replies: 25
Views: 2620

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: 21
Views: 2643

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: 130
Views: 6629

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: 3619

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: 74
Views: 7681

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: 27
Views: 2239

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: 2141

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: 4700

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: 83
Views: 6305

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: 5264

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: 1133

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: 2249

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: 733

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: 5388

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: 3534

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: 1679

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: 792

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: 973

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.