Search found 1061 matches

by runner3081
Sat Jan 06, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 7793

Re: How much are you putting in a 529?

One child, age 5. We are putting in $50 per month. There is a state tax advantage. Our intent is not to fund her college expenses completely. We will pay 2 years tuition at a local community college, then 2 years of in-state tuition at a public school. Anything beyond is up to her (including room an...
by runner3081
Fri Jan 05, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Checking account balance relative to credit limit?
Replies: 8
Views: 594

Re: Checking account balance relative to credit limit?

That's what I thought, but in a recent FICO credit report it said "Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high" Checking accounts are not revolving accounts. You can have 1 million in the bank with a 520 score or owe 1 million and have ...
by runner3081
Fri Jan 05, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Checking account balance relative to credit limit?
Replies: 8
Views: 594

Re: Checking account balance relative to credit limit?

No, I don't have any preferred ratio of cash to credit balance. To me, the two are not related whatsoever.
by runner3081
Thu Jan 04, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: [How to determine budget for toys/luxuries?]
Replies: 41
Views: 2782

Re: [How to determine budget for toys/luxuries?]

As others have said, it is all about your goals.

My wife and I have an aggressive retirement goal and do not spend any money on toys. We are also minimalists, so that removes the need to really buy toys. We are happy with what we have.
by runner3081
Thu Jan 04, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Do you have a antivirus for you Android phone?
Replies: 20
Views: 1448

Re: Do you have a antivirus for you Android phone?

No, but I keep my phone very "light".

Only a few apps are actually loaded, most of what I do is go websites, not download the apps.
by runner3081
Thu Jan 04, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: PSA: H&R Block Deal of the Day on Amazon (1/4)
Replies: 15
Views: 1715

Re: PSA: H&R Block Deal of the Day on Amazon (1/4)

FYI - though the state return is included, there is a charge to e-file through H&R block on the state return.
by runner3081
Thu Jan 04, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 28
Views: 2816

Re: Airbnb - Guide a beginner

We have used VRBO 3 times and AirBnB 3 times. 2/3 times on VRBO, the hosts cancelled our reservation a couple of months out due to "calendar sync" issues. The other stay was great with no issues. The AirBnB experiences have all been great with no issues. We only rent our own area (no shared bedrooms...
by runner3081
Wed Jan 03, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: First HSA: Any Hints, Tips Or Tricks?
Replies: 6
Views: 705

Re: First HSA: Any Hints, Tips Or Tricks?

I save and backup electronic copies of my insurer's Explanation of Benefits statements and my HSA's transaction history for the year. Interesting, I don't keep any EOB's, only detailed receipts showing payment to stores and healthcare providers. They are stored by paper, on my computer and then Goo...
by runner3081
Wed Jan 03, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: First HSA: Any Hints, Tips Or Tricks?
Replies: 6
Views: 705

Re: First HSA: Any Hints, Tips Or Tricks?

bluerafters wrote:
Wed Jan 03, 2018 11:00 am
mcraepat9 wrote:
Tue Jan 02, 2018 11:46 pm
If you plan on keeping receipts forever, make sure you scan them in. They will fade if you expect to keep them in paper form.
10 years is the window for eligibility on a HSA, correct?
Incorrect, it is forever.

At least right now for today's contributions.
by runner3081
Wed Jan 03, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Anyone Port From Verizon To Red Pocket?
Replies: 10
Views: 898

Re: Anyone Port From Verizon To Red Pocket?

I have ported out of Verizon twice and both times were somewhat of a pain. The last one I did, to Google Voice took 4 days.

They are extremely slow and unresponsive/unwilling to help.
by runner3081
Tue Jan 02, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Phone Encryption
Replies: 4
Views: 549

Re: Phone Encryption

I can speak to this with experience. I had a Note 4 two years ago and was required to put an Airwatch App on there for work. As part of the requirement to check work email on the phone, it had to be encrypted. There was no noticeable slowdown following Android encryption. With that said, I did have ...
by runner3081
Tue Jan 02, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Contract and W2 Question
Replies: 3
Views: 253

Re: Contract and W2 Question

Hello - I would like the advice and thoughts of forum members on a work-related situation. I am 54 YO Semi-Retired. After 'retiring' from Mega-Corp in 2016 I started an IT Company providing Project Management and Cybersecurity consulting, working mainly from home. I currently have 2 contracts. For ...
by runner3081
Tue Jan 02, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for Homeowner's Insurance
Replies: 6
Views: 433

Re: Shopping for Homeowner's Insurance

The deductible does seem pretty low. Ours is at $5k and I think that is even too low.
by runner3081
Tue Jan 02, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed messed up my mortgage payment - again
Replies: 8
Views: 1106

Re: PenFed messed up my mortgage payment - again

mortfree wrote:
Mon Jan 01, 2018 9:36 pm
all the reason to not let a mortgage company collect the portion for property taxes and insurance. Assuming 20% down to waive escrow requirements.

So much easier and no headaches when you do it yourself.
Not always possible, however. Even with 20% down.
by runner3081
Tue Jan 02, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: My 2017 Budget
Replies: 35
Views: 4078

Re: My 2017 Budget

First off, congrats to the OP for having such a great budget. Some people disagree or have issues with it, but I think it is great. We are a family of 3 and clock in at $35,844.76. Housing (Utilities, Internet, HOA, Homeowners Ins): 17,981.88 Non-Medical Insurance (Term Life and Umbrella): $810.00 M...
by runner3081
Sun Dec 31, 2017 12:21 am
Forum: Personal Consumer Issues
Topic: Another car thread - old ones?
Replies: 14
Views: 980

Re: Another car thread - old ones?

Yes, bought an E36 M3 and had it for about 3 years. Drove it hard and enjoyed it. Bought it when I was working from home, then I started commuting and did it for a year (40 miles round trip). No issues at all. Still handles better than a large number of cars made today. It wasn't that fast, but it s...
by runner3081
Fri Dec 29, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pay 1099 assistant bonus?
Replies: 5
Views: 346

Re: Pay 1099 assistant bonus?

I think $1000 bonus on $20k salary is a perfectly fine bonus. You should give it to her if you feel she deserves it. I'm not sure about a 1099 bonus but most bonuses have a 25% tax rate, although I am not sure if it applies in this scenario. So essentially if you want to give a 1k bonus I would giv...
by runner3081
Fri Dec 29, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Checking your internet options can save you money
Replies: 9
Views: 1301

Re: Checking your internet options can save you money

This is well known, one to three calls can usually score a better deal. Nonetheless, a good reminder for some "free" money. I with the subject of your post was true and we truly had internet options. Ugh. Well, we have several plans to choose from at present on Viasat (my current provider) and coul...
by runner3081
Fri Dec 29, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Checking your internet options can save you money
Replies: 9
Views: 1301

Re: Checking your internet options can save you money

This is well known, one to three calls can usually score a better deal.

Nonetheless, a good reminder for some "free" money.

I with the subject of your post was true and we truly had internet options. Ugh.
by runner3081
Fri Dec 29, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Got myself an extra $200 today just by being observant
Replies: 25
Views: 5318

Re: Got myself an extra $200 today just by being observant

What do you mean by "listed?" You aren't paying list price for a car are you? I think this is what happened. Buyer (OP) goes to car dealer, buys the car. Goes home and looks at dealer's website and sees an internet only price (or similar) for $200 less than he paid. With that said, it sounds like t...
by runner3081
Fri Dec 29, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Suddenly my mortgage doesn't seem that great
Replies: 66
Views: 10763

Re: Suddenly my mortgage doesn't seem that great

Rich Cape Cod wrote:
Fri Dec 29, 2017 10:45 am
After reading through these posts I'm pleased to see that our tax code has been greatly simplified with these new changes.

Rich
I think the change from year to year is creating complication, not necessarily the new tax code itself.
by runner3081
Fri Dec 29, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: flood damaged cars?
Replies: 15
Views: 1515

Re: flood damaged cars?

It is really very simple.

Before you buy a car, take it to a trusted mechanic for an inspection. Once they have it up on the lift, it will be easy for them to spot flood/accident or other damage.

Well worth the $150ish.
by runner3081
Fri Dec 29, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Home loan calculations - 15 year vs 30 year
Replies: 8
Views: 727

Re: Home loan calculations - 15 year vs 30 year

I think that 7% is overly optimistic AND there is a fair amount of risk there. No risk in the loan savings. What your friend essentially did was turn down the opportunity to borrow money at a 1% interest rate to invest it. With that said, we have always gone 30-year loans in order to leave some cash...
by runner3081
Fri Dec 29, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Tax Act discount
Replies: 9
Views: 1195

Re: Tax Act discount

For TaxAct, it almost always pays to just wait. They offer some excellent deals in late March.
by runner3081
Thu Dec 28, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 41
Views: 3385

Re: Hyundai quality and reliability

Not exactly late model, but my dad has a 2005 Kia (sister company) Spectra with 225K miles. No major issues at all.

We had a 2007 Hyundai Sonata that only had a seat airbag issue (fixed under warranty), no mechanical issues.
by runner3081
Thu Dec 28, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 4786

Re: A Year of Extreme Frugality

Follow a plan: - Keep track of your expenses for a month. - Be precise. if you give $1 cash tip at a bar, note it in your log. - Organize your expenses by categories. - In an alert analytical state of mind review your normal pattern of expenses and decide which ones you want to cut. - Create a stra...
by runner3081
Thu Dec 28, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: gift cards - caveats
Replies: 41
Views: 1971

Re: gift cards - caveats

I really don't have an issue with prepaid cards. When they come in, we just pre-pay the internet bill for a few months.
by runner3081
Thu Dec 28, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: gift cards - caveats
Replies: 41
Views: 1971

Re: gift cards - caveats

These days, if I have a Visa gift card, I find it most useful to immediately buy an Amazon credit refill with the card. I never have to carry the gift card around, or get stuck with odd amounts on a split transaction. For us, this works well because we buy stuff at amazon frequently, and can easily...
by runner3081
Thu Dec 28, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Saving a little, here and there...
Replies: 21
Views: 3831

Re: Saving a little, here and there...

#notsohumblebrag

I save by dumpster diving for bubble wrap and going through bulk trash piles to find things.
by runner3081
Thu Dec 28, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Checkout 51 and Ibotta?
Replies: 2
Views: 351

Re: Checkout 51 and Ibotta?

I have seen some people use these and do well on rebates. We don't buy enough name brand items for it to make sense.
by runner3081
Thu Dec 28, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Good VPN?
Replies: 21
Views: 2049

Re: Good VPN?

I have been using Windscribe for a while. The free service will more than cover most people's needs.
by runner3081
Wed Dec 27, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Miata as second car
Replies: 94
Views: 4024

Re: Miata as second car

As a counter point, we had a 3rd "fun" car for a while. It ended up not being worth the time or expense. I never drove it, hated making repairs on it and wasn't a fan of the added insurance/licensing costs. Ended up selling it about 5-months ago. It was still fun to drive, but was not used enough to...
by runner3081
Wed Dec 27, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 249
Views: 35767

Re: Free Turbotax Premiere from Fidelity

Hmm, thanks for sharing, but nothing on my accounts.
by runner3081
Wed Dec 27, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Car/SUV - which to replace first
Replies: 22
Views: 1225

Re: Car/SUV - which to replace first

However sitting at a stoplight facing slightly uphill on snow pack, I would take my AWD any day over either of my vehicles with just 2WD. Getting stopped is only half the battle in slick conditions. Outside of the need for high clearance in deep snowfall, I have never been unable to make it to a de...
by runner3081
Wed Dec 27, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Cash on hand
Replies: 21
Views: 1186

Re: Cash on hand

nickjoy wrote:
Wed Dec 27, 2017 9:33 am
I like about $400-650 just in case I see something at a yard sale that I really want or is a good deal.
Funny to see that, same here!
by runner3081
Wed Dec 27, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 4348

Re: is using HSA as investment vehicle worth the trouble?

Valid point, but for me, it makes sense and is worth the trouble. I happen to be organized so this really adds very little time to my routine.
by runner3081
Wed Dec 27, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Car/SUV - which to replace first
Replies: 22
Views: 1225

Re: Car/SUV - which to replace first

Get rid of Pathfinder and get Accord/Camry with snow tires. AWD and SUV's are overrated. Exactly, especially considering the midwest is mostly flat. No matter 2WD or 4WD, they all stop (or don't) the same in the snow. However sitting at a stoplight facing slightly uphill on snow pack, I would take ...
by runner3081
Wed Dec 27, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 59
Views: 4648

Re: Diamonds are forever.

dbr wrote:
Wed Dec 27, 2017 10:23 am
gasdoc wrote:
Wed Dec 27, 2017 10:05 am
What is an appropriate amount to spend? Not sure about that "6 months of salary" the jewelry stores like to peddle.
Only DW can answer that. For my DW the answer is unequivocally zero.
Same here. In fact, my wife wants to dump her diamond ring for one of those neoprene bands.
by runner3081
Tue Dec 26, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Car/SUV - which to replace first
Replies: 22
Views: 1225

Re: Car/SUV - which to replace first

Get rid of Pathfinder and get Accord/Camry with snow tires. AWD and SUV's are overrated. Exactly, especially considering the midwest is mostly flat. No matter 2WD or 4WD, they all stop (or don't) the same in the snow. However sitting at a stoplight facing slightly uphill on snow pack, I would take ...
by runner3081
Tue Dec 26, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP and HSA vs PPO
Replies: 15
Views: 1398

Re: HDHP and HSA vs PPO

We switched to an HSA many years ago from a PPO plan (2011, I believe). It was great the first 6-years, saved a bunch of premiums. Last year, had an emergency room visit that was 4K out of pocket. Next year, we will have a surgery that will cost $7k out of pocket. Even with two bad years, we are pro...
by runner3081
Tue Dec 26, 2017 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund vs. ETF
Replies: 23
Views: 1603

Re: Mutual Fund vs. ETF

I agree, mutual funds are the way to go (set it and forget it). If you go the ETF route, there is the manual purchases and temptation to alter your AA with something fancy, haha.
by runner3081
Tue Dec 26, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Where to buy Christmas CDs and decor after Christmas?
Replies: 14
Views: 1414

Re: Where to buy Christmas CDs and decor after Christmas?

Garage sales in the summer almost always have Christmas items.

I am talking huge bins of lights for $1.

Lawn decorations, nativity scenes, you name it.

For Christmas music, thrift store. Maybe even check out a place like Half Price Books.
by runner3081
Tue Dec 26, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: 1st, your education. Then...Location, Location, Location
Replies: 66
Views: 8635

Re: 1st, your education. Then...Location, Location, Location

Work smarter, not harder.

Fake it until you make it.
by runner3081
Tue Dec 26, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 416
Views: 32604

Re: What frugal thing did you do today?

-Moved 5-states away from relatives so we didn't have to drive the 2-hours to their house this year. -Blamed the snow on not visiting for the holidays, thus no airline ticket costs -Ate a simple meal -Finished Christmas shopping in September at dirt cheap prices (thanks SlickDeals) - I think we made...
by runner3081
Tue Dec 26, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Statefarm Auto Insurance goes up every 6 months without reason?
Replies: 50
Views: 3044

Re: Statefarm Auto Insurance goes up every 6 months without reason?

I called my State Farm agent and asked why my rates (no accidents, no tickets, no claims) were continuing to go up every 6 months, and by a lot. They claim it is because my area is growing so quickly that there are more drivers on the road driving more miles and causing more accidents. I think it's...
by runner3081
Tue Dec 26, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Statefarm Auto Insurance goes up every 6 months without reason?
Replies: 50
Views: 3044

Re: Statefarm Auto Insurance goes up every 6 months without reason?

In California for a driver with a clean record: move to a different zip code, get older, get married, become a female, choose a different car (lots of boy racers drive Civics). Other than that get more quotes and investigate various discounts each insurer may have. Forgot one: drive fewer miles. I ...
by runner3081
Tue Dec 26, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance, what do I need?
Replies: 7
Views: 542

Re: Term Life Insurance, what do I need?

A few thoughts. You likely don't need it. However, if you do buy it, buy it for both you and your wife. Something to consider, if you are healthy at your ages, you can grab 1 Million policies for about $450/year each. Why I might buy policies anyways. If one of you dies, it would be a terrible exper...
by runner3081
Tue Dec 26, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should we downsize?
Replies: 42
Views: 3160

Re: Should we downsize?

We wouldn’t be having this conversation if it weren’t for our neighbors selling their house earlier this year for about $700,000. Not sure what this has to do with anything. Houses fluctuate in value, up and down. Would you re-buy this house again at the price you paid? If so, stay. This isn't a "I...
by runner3081
Tue Dec 26, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Car/SUV - which to replace first
Replies: 22
Views: 1225

Re: Car/SUV - which to replace first

Alexa9 wrote:
Tue Dec 26, 2017 1:53 pm
Get rid of Pathfinder and get Accord/Camry with snow tires. AWD and SUV's are overrated.
Exactly, especially considering the midwest is mostly flat.

No matter 2WD or 4WD, they all stop (or don't) the same in the snow.
by runner3081
Tue Dec 26, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Car/SUV - which to replace first
Replies: 22
Views: 1225

Re: Car/SUV - which to replace first

PFInterest wrote:
Tue Dec 26, 2017 1:42 pm
im sorry, you think youll get 30k for a 19 year old pathfinder with 150K miles?
If you go to the previous paragraph, they are estimating their replacement cost with that trade in.

All we do know is that the Pathfinder is worth 15-20K less than the TSX :)