Search found 1321 matches

by runner3081
Mon May 28, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off car loan, Fifth Third says no need for a title
Replies: 11
Views: 1915

Re: Paid off car loan, Fifth Third says no need for a title

The bank doesn't send you one. They will submit the lien release and the state sends you the title.
by runner3081
Mon May 28, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: HSA eligible plan?
Replies: 3
Views: 453

Re: HSA eligible plan?

You need to read your plan document.
by runner3081
Sun May 27, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 30
Views: 3808

Re: Peloton spin bike worth the high cost?

My friend bought one about 8-months ago. He says it is amazing to ride. However, they are not going to pay the monthly sub fee. He paid $2k on Craigslist for it.

With that said, I asked him about the other day and he said it is now a clothes hanger :)
by runner3081
Sun May 27, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Square Trade
Replies: 3
Views: 341

Re: Square Trade

I have had 3 phones replaced by them years ago. Costco was offering a SquareTrade warranty for a discount with a purchase of a Galaxy Note 4. Broke it 3 times. Each time, painless - zero issues.
by runner3081
Sun May 27, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Remote temperature monitoring
Replies: 22
Views: 1772

Re: Remote temperature monitoring

Carson wrote:
Sun May 27, 2018 11:40 am
I wouldn't rule out a WIFI enabled thermostat before checking with your utility company to see if they offer a rebate on purchasing one.
+1

We have a Honeywell Thermostat that was free after power company rebates ($74.99 before rebate).
by runner3081
Sat May 26, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 2748

Re: Near commercial level treadmill

Any recommendations? Yes, check Craiglist. People dump nice ones cheaply all of the time. Whenever I look on craigslist for exercise equipment there is tons of low end stuff and very little decent. I figure most of the people dropping 3k on treadmills know what they like and actually use them. Prob...
by runner3081
Sat May 26, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: 1st Cell Phone in 8 Years; or, Cell Phone Strategy, 5/2018 Edition
Replies: 5
Views: 1036

Re: 1st Cell Phone in 8 Years; or, Cell Phone Strategy, 5/2018 Edition

Not for everyone, but I have a Moto G4 I paid $150 for a couple of years back and free data service from FreedomPop (Google Voice used for calls).

Monthly service cost is $0.
by runner3081
Sat May 26, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Is having insurance from 5 different companies normal?
Replies: 15
Views: 1646

Re: Is having insurance from 5 different companies normal?

We have three, currently:

-Term Life (Company 1)
-Auto/Home (Company 2)
-Umbrella (Company 3)
by runner3081
Sat May 26, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 2748

Re: Near commercial level treadmill

dentoid wrote:
Sat May 26, 2018 6:11 am
Any recommendations?
Yes, check Craiglist. People dump nice ones cheaply all of the time.
by runner3081
Fri May 25, 2018 11:27 pm
Forum: Personal Consumer Issues
Topic: Brick pavers on the edge of my porch are already falling off
Replies: 31
Views: 2296

Re: Brick pavers on the edge of my porch are already falling off

Scrapr wrote:
Fri May 25, 2018 10:59 pm
First we poured concrete with a border. Picture a shallow pool 3.5 inches deep.
+1

Our paver patio is the same way, concrete border. We even had a hot tub on there for a few years, still in great shape.
by runner3081
Fri May 25, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: Folks, I'm calling the Tops for Bay area RE market
Replies: 46
Views: 2697

Re: Folks, I'm calling the Tops for Bay area RE market

Well, you have a 50% chance of being right.
by runner3081
Thu May 24, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: NY Insurance Costs on the Rise
Replies: 12
Views: 1106

Re: NY Insurance Costs on the Rise

I think there is a generic, "Insurance costs are rising (fill in wherever you live, here) every year."
by runner3081
Wed May 23, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: I've never budgeted sucessfully
Replies: 59
Views: 4944

Re: I've never budgeted sucessfully

We have two spreadsheets. First off, is the master budget sheet. The second sheet is a spending tracker. Items that have a yearly cost that is consistent, insurance, mortgage, car licensing etc do not go on the spending tracker (simply updated yearly when prices change). All of the variable items go...
by runner3081
Wed May 23, 2018 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Saving and storing old statements
Replies: 9
Views: 946

Re: Saving and storing old statements

Wasted space.

I keep nothing, other than tax returns.
by runner3081
Wed May 23, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Worth opening a 529?
Replies: 5
Views: 641

Re: Worth opening a 529?

You can only deduct new contributions. You can not deduct what is already there from another state.
by runner3081
Wed May 23, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Should I spend $1,500 on getting some rust repaired on a 15 year old Buick
Replies: 36
Views: 2625

Re: Should I spend $1,500 on getting some rust repaired on a 15 year old Buick

Is it safe and drive-able as is?

If so, take it and just drive it until the first major repair comes and then get rid of it.

Of course, I know this won't work for some, but I personally don't care how my car looks.
by runner3081
Wed May 23, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Winter Home - issues/costs?
Replies: 33
Views: 2267

Re: Winter Home - issues/costs?

For example, do we buy a place in AZ or FL, live there 2-3 months of the year, and then rent it out the remainder of the year? Thanks! It is very hard to rent a house out in AZ during the summer (Mid-May though September). Not enough demand and way too much supply with many snowbirds doing the same.
by runner3081
Wed May 23, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Negotiating for Residential Solar
Replies: 11
Views: 897

Re: Negotiating for Residential Solar

2. Should I try to negotiate the price down? I know if I was paying $18k for say a car, I would be trying to get as much off as possible. Does anyone have any idea how much I might be able to get off the solar sticker price? Any good negotiating phrases or other tips? Yes, absolutely. Ask for a dis...
by runner3081
Tue May 22, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Car wreck insurance settlement
Replies: 19
Views: 1594

Re: Car wreck insurance settlement

+1 on the lawyer comments. Best thing I did when I had an accident 20 years ago.
by runner3081
Tue May 22, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Old Hot Water Heater
Replies: 20
Views: 1310

Re: Old Hot Water Heater

We bought a house that was 15 years old and had the original water heater. It was in the garage and we placed one of those cheap water detection alarms behind it. Alarm went off at about 10pm one night, shut the water off to it and had it starting to drain. No damage. One thing I learned the hard wa...
by runner3081
Mon May 21, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Disputed HOA billing
Replies: 21
Views: 1877

Re: Disputed HOA billing

Fight it or not, you will keep accruing fees to no end.
by runner3081
Mon May 21, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Time For New Car?
Replies: 34
Views: 2552

Re: Time For New Car?

Personally, I would not. Those are all minor wear and tear parts. Not really anything major mechanical. I would keep driving until you hit a major repair. In your case it makes more sense to buy a new car, because if you buy a used car with any amount of miles, you will be doing all of those same th...
by runner3081
Mon May 21, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 12331

Re: Chase Savings Account emptied out!

I check my main accounts every morning using a browser add-on called, "Morning Coffee".
by runner3081
Mon May 21, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Best used SUV, Wagon, Hatch, Pickup under $10k
Replies: 34
Views: 3024

Re: Best used SUV, Wagon, Hatch, Pickup under $10k

snackdog wrote:
Mon May 21, 2018 3:25 am
8) Cool. Cool or unusual vehicles get bonus points.
Pontiac Aztek
by runner3081
Mon May 21, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Lender Funded Without Authorization
Replies: 5
Views: 763

Re: Lender Funded Without Authorization

mj48 wrote:
Sun May 20, 2018 10:44 pm
Do we have any recourse?
Why does every conversation always seem to end up here? Mistakes happen, no harm was done.
by runner3081
Sun May 20, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Buying a Home, Seeking Advice
Replies: 16
Views: 1256

Re: Considering Buying a Home, Seeking Advice

So if you were me, what would you do? It seems like a good deal honestly. I'm of the FIRE mindset and hoping to retire in 20 years or less If I had been working only 8 month, but had already decided that I wanted to retire in 20 years or less, I'd continue to live with my parents and invest 95% of ...
by runner3081
Sat May 19, 2018 7:19 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6136

Re: What’s your phone/internet bill?

Cell Phone - 2 separate lines with FreedomPop - $0
Internet - $42.99 for 10mbps down and 1.75 up (Cox)
by runner3081
Fri May 18, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Priceline hotels?
Replies: 16
Views: 2110

Re: Priceline hotels?

Yes, in the past. No issues. Have switched to AirBNB these days.
by runner3081
Fri May 18, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Dash camera
Replies: 19
Views: 2707

Re: Dash camera

michaeljc70 wrote:
Fri May 18, 2018 6:22 pm
Double edged sword. If you have an accident and it is your fault and on video.....You might say, well, then I will take responsibility for it. In today's litigious society though, I'd say that would be naive.
That camera may also disappear before anyone knows it was there.
by runner3081
Thu May 17, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: HSA Benefits and FSAFEDS
Replies: 4
Views: 368

Re: Benefits of an HSA

I would suggest a search on this topic, there are hundreds of posts with benefits.
by runner3081
Thu May 17, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Stop ESPP and 401k before quitting job?
Replies: 3
Views: 324

Re: Stop ESPP and 401k before quitting job?

Make sure to contribute up to the match in the 401K (assuming you will be vested with it).
by runner3081
Tue May 15, 2018 11:44 pm
Forum: Personal Consumer Issues
Topic: General Delivery
Replies: 6
Views: 933

Re: General Delivery

Check out the Safeway and FedEx partnership. I think you can have packages sent to Safeway stores.

http://www.fedex.com/us/onsite/
by runner3081
Mon May 14, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Ratio of car repair cost to car's value?
Replies: 17
Views: 1454

Re: Ratio of car repair cost to car's value?

aspirit wrote:
Mon May 14, 2018 6:10 pm
We all look at things differently.

Where could you get another auto w/a history you know for the cost of its anticipated repair?
+1

We just put $1.4K into a vehicle valued at $2.2k last summer. Didn't even hesitate to do it.
by runner3081
Mon May 14, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer Thoughts
Replies: 10
Views: 1374

Re: Job Offer Thoughts

Given my experience at a failed start up... I would absolutely take the new offer if I was you. I was in a similar situation a few years back (early 30's). Had a good position, left for slightly less pay and equity in a start up (straight 2% of the company, could not be diluted). We moved half-ways ...
by runner3081
Mon May 14, 2018 1:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Arizona Chapter
Replies: 50
Views: 4243

Re: Arizona Chapter

Have a work dinner meeting on 5/17, but would still like updates and to attend future meetings.
by runner3081
Sun May 13, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Inexpensive and comfortable outdoor patio furniture
Replies: 7
Views: 802

Re: Inexpensive and comfortable outdoor patio furniture

Buy the cheapest, most stable set you can find. Then, buy some cushions - you will be set.
by runner3081
Sun May 13, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: free samples, magazines
Replies: 2
Views: 397

Re: free samples, magazines

Yes, we regularly receive 8-10 magazines at no cost.

Extra (paper) ads take 10 seconds to put in the recycling bins next to our USPS mail lockers.

Fake emails & phone numbers always used.
by runner3081
Sat May 12, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 4949

Re: College laptop for fall 2018 freshman

I found this for my sister-in-law a few weeks ago. She is starting grad school this fall. Way more than she will ever need, but has some future proofing with an SSD drive already in there. Deal is not alive anymore, unfortunately, but serves as a price point. Lenovo Yoga 720 2-In-1 15.6" Touch Scree...
by runner3081
Fri May 11, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Payment in Lieu of Health Benefits
Replies: 10
Views: 904

Re: Payment in Lieu of Health Benefits

About 5 years ago, with a previous employer. They paid $50 per month to opt out.
by runner3081
Fri May 11, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Subcompact SUVs/Sedans with Adjustable Pedals Question
Replies: 12
Views: 699

Re: Subcompact SUVs/Sedans with Adjustable Pedals Question

She should still be in a booster seat by the modern standards :) "All children whose weight or height exceeds the forward-facing limit for their car seat should use a belt-positioning booster seat until the vehicle seat belt fits properly, typically when they have reached 4 feet 9 inches in height" ...
by runner3081
Fri May 11, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4699

Re: Anyone buy carbon offsets when flying?

The plane is likely making that flight whether I am on it or not. I see no need to contribute.
by runner3081
Fri May 11, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Time Span Between Job Changes
Replies: 16
Views: 1444

Re: Time Span Between Job Changes

If you are comfortable being at the company for a while, it won't matter much.

I went 8 years, 2 years, 13 months and am now coming up on 3 years in my latest position.
by runner3081
Fri May 11, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5567

Re: New Car Suggestions: BMW Crapping Out

BUBear29 wrote:
Fri May 11, 2018 12:21 am
My 5 year old BMW x5 is starting to crap out (had several $1,500+ repairs in last few months).
Did you go to the dealership? If so, you were robbed blind.
by runner3081
Fri May 11, 2018 6:36 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5567

Re: New Car Suggestions: BMW Crapping Out

Jack FFR1846 wrote:
Fri May 11, 2018 6:24 am
Curious what repairs were completed. I know that BMW has the stupid electronic identification of the battery which should be illegal.
You can do this yourself with a <$100 part.
by runner3081
Thu May 10, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: how to figure that shoes need replacing
Replies: 30
Views: 2241

Re: how to figure that shoes need replacing

I understand and concur with all of the visual signs on the outside of the shoes (including the duct tape) but it seems to me that something happens internally that affects comfort and other issues. Doesn't the sole of the shoe break down so it doesn't provide the support, cushioning and fit of the...
by runner3081
Thu May 10, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: how to figure that shoes need replacing
Replies: 30
Views: 2241

Re: how to figure that shoes need replacing

After I have replaced the duct tape on the bottom 2-3 times and have gone through 5 sets of heel guards. Seriously. I have Ecco's and they last a long time, but as mentioned above, the primary issue with shoes is the wear on the heel and sole. Mine will eventually begin wear on the outside and i wi...
by runner3081
Thu May 10, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: how to figure that shoes need replacing
Replies: 30
Views: 2241

Re: how to figure that shoes need replacing

After I have replaced the duct tape on the bottom 2-3 times and have gone through 5 sets of heel guards.

Seriously.
by runner3081
Mon May 07, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Are these health insurnace premiums high when working for a Non-Profit
Replies: 11
Views: 933

Re: Are these health insurnace premiums high when working for a Non-Profit

To me, insanely high, yes, compared to the non-profit I work for.

This can vary so much by company, industry, HR philosophy, etc, it isn't really a question that matters :)