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Re: Renting Our Starter Home - Pros and Cons

TwinsFan, Thanks for post. You are likely right about not hurrying. We are antsy to get out to something in a better neighborhood and a bit bigger. Interest rates are still historically really good so that's one reason to move now. But, who knows, the school we want to put our daughter in could chan...
by ruanddu
Thu Feb 06, 2014 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting Our Starter Home - Pros and Cons
Replies: 31
Views: 2776

Re: Renting Our Starter Home - Pros and Cons

Hey OnFire, Thanks for checking in. We are in the process of prepping the house (painting, cleaning etc.) for most likely selling. It's tough though, as according to our Realtor and from my own research, prices actually fell 10-20k on houses similar to ours in the area. With that said, we will likel...
by ruanddu
Thu Feb 06, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting Our Starter Home - Pros and Cons
Replies: 31
Views: 2776

Re: Buying the most expensive house you can afford

Great question. I have a wife and new child and trying to decide what to do in terms of how much house we need in future. To get the sq footage we'd like, we would likely have to move to a lesser neighborhood to afford it. As a result, we have decided to look for best neighborhood with smaller house...
by ruanddu
Mon Feb 03, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying the most expensive house you can afford
Replies: 101
Views: 7562

Re: Renting Our Starter Home - Pros and Cons

Thanks everyone for your replies. At this point we my wife and I will need to do some more discussing. Your points have been very helpful and are much appreciated.
by ruanddu
Sat Jan 18, 2014 12:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Renting Our Starter Home - Pros and Cons
Replies: 31
Views: 2776

Re: Renting Our Starter Home - Pros and Cons

Thanks everyone for the replies. Jimb, here are the answers to your questions - We started with a interest only in 2006 (stupid I know), refi'd into a 5.75% 30 year FHA around 2008 or so and then about 1.5 years ago got into a 3.75% FHA rate. I did speak with our current lender and they didn't menti...
by ruanddu
Wed Jan 15, 2014 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting Our Starter Home - Pros and Cons
Replies: 31
Views: 2776

Re: Renting Our Starter Home - Pros and Cons

Thanks for the replies, everyone. Jimb - thank you as well and here are some answers to your questions. So... how much can you get for it if you sell it now? - We could likely get between $155-165k How much do you owe on it? We owe about $151k How much did you pay for it? We paid $190k How much have...
by ruanddu
Mon Jan 13, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting Our Starter Home - Pros and Cons
Replies: 31
Views: 2776

Renting Our Starter Home - Pros and Cons

Hello, My wife and I purchased our first house together in 2006. We had our first child about 16 months ago and are thinking of having another soon. Our starter home is small, 1000 sqft, 3 bd, 1.5 bath, so we would like to get a larger home in a better school district. Since we bought in 2006 we wil...
by ruanddu
Mon Jan 13, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting Our Starter Home - Pros and Cons
Replies: 31
Views: 2776

Re: The Funniest Movie Ever

Might be a tie between Napolean Dynamite and Dumb and Dumber.
by ruanddu
Thu Jan 02, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10569

Re: Dog Bones for Small Dogs

Thanks for replies everyone. Anyone else? Anyone tried C.E.T chews?
by ruanddu
Fri Dec 06, 2013 11:15 am
 
Forum: Personal Consumer Issues
Topic: Dog Bones for Small Dogs
Replies: 10
Views: 592

Pepper Spray the Best Option for Personal Protection?

Hello, I would like to find something for my wife to carry with her when she walks around the neighborhood for protection. Do you have any recommendations on good brands/models of pepper spray or similar type product? I also heard Wasp spray can be effective due to the distance it can shoot but don'...
by ruanddu
Thu Dec 05, 2013 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Pepper Spray the Best Option for Personal Protection?
Replies: 40
Views: 1565

Dog Bones for Small Dogs

Hello,

We have two Boston Terriers about 20lbs each. We used to give them Checkups brand dental bones from Costco. However, they no longer stock them at our Costco. Looking for any good alternatives?

Thanks much.
by ruanddu
Thu Dec 05, 2013 11:24 am
 
Forum: Personal Consumer Issues
Topic: Dog Bones for Small Dogs
Replies: 10
Views: 592

Re: Wireless Blu-Ray Players

I got one of the Sony BDP series blu ray players and have had really good luck with it. Got it on NewEgg for $60 refurbished. Does Amazon, Youtube, Netflix, Hulu, etc really well.
by ruanddu
Tue Nov 26, 2013 9:14 pm
 
Forum: Personal Consumer Issues
Topic: Wireless Blu-Ray Players
Replies: 24
Views: 1375

Re: Acer Chromebook Versus HP Chromebook - Your Opinion?

Good to know, Swaption. Thanks for info. I still am on the sidelines waiting it out a bit.
by ruanddu
Tue Nov 05, 2013 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Acer Chromebook Versus HP Chromebook - Your Opinion?
Replies: 27
Views: 2333

15% off Kindle Fire Tablets Today on Amazon

I couldn't resist and got one of the Kindle Fire HD tablets for $118 plus tax. Just wanted to share.
by ruanddu
Mon Nov 04, 2013 5:43 pm
 
Forum: Personal Consumer Issues
Topic: 15% off Kindle Fire Tablets Today on Amazon
Replies: 2
Views: 557

Re: Acer Chromebook Versus HP Chromebook - Your Opinion?

Thanks for all the replies. I am going to keep watching the offerings for the next month, as the Acer C720 doesn't appear to be shipped for about 3-4 weeks.
by ruanddu
Sat Oct 26, 2013 2:15 pm
 
Forum: Personal Consumer Issues
Topic: Acer Chromebook Versus HP Chromebook - Your Opinion?
Replies: 27
Views: 2333

Acer Chromebook Versus HP Chromebook - Your Opinion?

Anyone compared the Acer C720 to the HP Chromebook 11 hands-on? Or, after your research have you decided to go with one or the other? Thanks.
by ruanddu
Thu Oct 24, 2013 11:16 am
 
Forum: Personal Consumer Issues
Topic: Acer Chromebook Versus HP Chromebook - Your Opinion?
Replies: 27
Views: 2333

Re: Norton Internet Security vs Trend Micro Titanium

I recommend Microsoft Security Essentials. It's free, secure and easy to install.
by ruanddu
Mon Oct 07, 2013 11:29 am
 
Forum: Personal Consumer Issues
Topic: Norton Internet Security vs Trend Micro Titanium
Replies: 18
Views: 2487

Re: Kindle Fire - Who Has One & What Are Your Thoughts?

Thanks very much everyone. I think I will hold off for the Nexus 7 at this point. Seems like it's worth the extra money.

I didn't know it had video out, thx for info.
by ruanddu
Fri Aug 23, 2013 11:13 am
 
Forum: Personal Consumer Issues
Topic: Kindle Fire - Who Has One & What Are Your Thoughts?
Replies: 23
Views: 1527

Kindle Fire - Who Has One & What Are Your Thoughts?

Amazon has a student sale on Kindle Fire right now. The 7" model can be had for $130 and others for reduced prices as well. I am very tempted. :) I was eyeing the new Nexus 7 but at this price it's a tough one, I will mainly use for netflix, youtube, web browsing and other lightweight stuff. An...
by ruanddu
Thu Aug 22, 2013 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Kindle Fire - Who Has One & What Are Your Thoughts?
Replies: 23
Views: 1527

Re: How to Optimize Wireless Internet Signal at House

Thanks again everyone. Very helpful.
by ruanddu
Thu Aug 22, 2013 12:32 pm
 
Forum: Personal Consumer Issues
Topic: How to Optimize Wireless Internet Signal at House
Replies: 14
Views: 2289

Re: How to Optimize Wireless Internet Signal at House

Thanks for the replies.

I am willing to buy a powerline adapter, if that's the best solution for the money? Seems to be very expensive (more than double cost of router). I'd appreciate to hear some other tips before going that direction.

Thanks.
by ruanddu
Mon Aug 19, 2013 7:33 pm
 
Forum: Personal Consumer Issues
Topic: How to Optimize Wireless Internet Signal at House
Replies: 14
Views: 2289

How to Optimize Wireless Internet Signal at House

I have a 5 year old (or so) Linksys WRT54G wireless router. I get pretty good coverage throughout the house, though a few rooms are pretty low on signal strength. What do you recommend on boosting signal? I have heard of firmware from DD-WRT and Tomato work good to boost performance out of everyday ...
by ruanddu
Mon Aug 19, 2013 6:41 pm
 
Forum: Personal Consumer Issues
Topic: How to Optimize Wireless Internet Signal at House
Replies: 14
Views: 2289

Re: Time=Money ... how to save time, even if it costs $

These are amazing, thanks!

protagonist wrote:These are universally great, simple suggestions. Too bad that I can rarely remember one when the time comes to use it.

http://twistedsifter.com/2013/01/50-lif ... our-world/
by ruanddu
Mon Aug 19, 2013 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Time=Money ... how to save time, even if it costs $
Replies: 17
Views: 2074

Re: Esurance - Anyone Using for Auto/Home Insurance?

Thanks for replies. Will have to see if they can do a good and inexpensive combo with auto and house. The auto came in quite a bit less than Allstate.
by ruanddu
Thu Aug 08, 2013 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Esurance - Anyone Using for Auto/Home Insurance?
Replies: 8
Views: 679

Re: Esurance - Anyone Using for Auto/Home Insurance?

Thanks very much. Which company are you using now? Thanks.
by ruanddu
Thu Aug 08, 2013 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Esurance - Anyone Using for Auto/Home Insurance?
Replies: 8
Views: 679

Re: Esurance - Anyone Using for Auto/Home Insurance?

Thanks. Anyone else have experience with Esurance?
by ruanddu
Wed Aug 07, 2013 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Esurance - Anyone Using for Auto/Home Insurance?
Replies: 8
Views: 679

Esurance - Anyone Using for Auto/Home Insurance?

I just ran an online quote with Esurance for auto and home and their rates appears to be really reasonable. I am currently with Allstate. Anyone using Esurance? Good or bad experiences? Thanks.
by ruanddu
Tue Aug 06, 2013 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Esurance - Anyone Using for Auto/Home Insurance?
Replies: 8
Views: 679

Re: What Are You Using for Your Emergency Funds?

Thx for replies. Please keep suggestions coming.
by ruanddu
Wed Jul 24, 2013 12:33 am
 
Forum: Investing - Help with Personal Investments
Topic: What Are You Using for Your Emergency Funds?
Replies: 63
Views: 4434

What Are You Using for Your Emergency Funds?

Hello, Sorry for yet another emergency fund thread but am curious as to what people are using these days for emergency funds or just short term storage for purchases (car, house down payment, etc)? I am currently using I-Bonds for a portion. I am eyeing the Ally 5 year CD for the other portion with ...
by ruanddu
Tue Jul 23, 2013 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Are You Using for Your Emergency Funds?
Replies: 63
Views: 4434

Re: Sacrifices: Saving 50% of Take Home Pay?

Rommie2k6 and StaytheCourse - thanks for your insights. That really helps to encourage a young investor like myself.
by ruanddu
Thu Jul 11, 2013 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sacrifices: Saving 50% of Take Home Pay?
Replies: 44
Views: 5730

Re: Page Plus Versus Republic Wireless - Who's Better?

Thanks for info. How much are you paying per month, LifeisGood?
by ruanddu
Thu Jun 20, 2013 11:31 am
 
Forum: Personal Consumer Issues
Topic: Page Plus Versus Republic Wireless - Who's Better?
Replies: 28
Views: 3487

Re: Page Plus Versus Republic Wireless - Who's Better?

Thx guys. Anyone else?
by ruanddu
Wed Jun 19, 2013 9:05 pm
 
Forum: Personal Consumer Issues
Topic: Page Plus Versus Republic Wireless - Who's Better?
Replies: 28
Views: 3487

Page Plus Versus Republic Wireless - Who's Better?

I am currently with Boost Mobile on the Sprint Network. I am experiencing some difficulties with calls and texts coming through and not sure if it's the network or my phone. Boost is taking quite some time to get back to me on the problem so am considering other low-cost carries. I am leaning toward...
by ruanddu
Wed Jun 19, 2013 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Page Plus Versus Republic Wireless - Who's Better?
Replies: 28
Views: 3487

Re: Used Hondas & Toyotas

German Expat, can you elaborate on how long you waited to tell salesguy you were paying cash? Just trying to learn good negotiating skills. :)
by ruanddu
Tue Jun 11, 2013 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Used Hondas & Toyotas
Replies: 41
Views: 3936

Re: Laptop Recommendation?

Thanks again, everyone. Feel free to add any other suggestions.
by ruanddu
Wed May 29, 2013 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Laptop Recommendation?
Replies: 50
Views: 4302

Re: Laptop Recommendation?

Thanks for the info, everyone. Appreciate the heads-up on the new Haswell chip. I didn't realize it would increase battery life by 50%. It might be worth the wait to either get a laptop with this processor or wait for the discount on older ones. Do you think discounts have already went into effect i...
by ruanddu
Mon May 27, 2013 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Laptop Recommendation?
Replies: 50
Views: 4302

Laptop Recommendation?

Hello,

Looking for an inexpensive laptop for surfing web and basic applications. Been eyeing the Samsung Chromebook. Its 249 shipped with no tax. Any one using the chromebook? Or, any other laptop recommendations?

Thank you.
by ruanddu
Sun May 26, 2013 10:36 pm
 
Forum: Personal Consumer Issues
Topic: Laptop Recommendation?
Replies: 50
Views: 4302

Re: Low Cost Computer/HTPC [Home Theater PC - Raspberry Pi]

Thought I'd add that I took the plunge and got a Sony BDP-S590 blu-ray player for streaming. So far it's working really good. The internet browser though is really unusable due to having no keyboard. Anyone able to find a different remote for the Sony Blu-ray players that have full qwerty keyboard t...
by ruanddu
Tue Apr 30, 2013 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Low Cost Computer/HTPC [Home Theater PC - Raspberry Pi]
Replies: 22
Views: 3942

Re: How to Unlist Home Address

Thanks for tips. The optoutprescreen.com site requires a Social Security # to opt out. Seems unnecessary but what do you guys think?
by ruanddu
Tue Apr 30, 2013 3:50 pm
 
Forum: Personal Consumer Issues
Topic: How to Unlist Home Address
Replies: 11
Views: 1363

Re: My Take on Gold

Rick, thanks for your article. Can you clarify for me on your comment - " I anticipate gold prices will continue a descent until eventually reaching its inflation-adjusted long-term average". What is the inflation adjusted long-term average number that it should eventually reach?

Thanks.
by ruanddu
Mon Apr 22, 2013 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: My Take on Gold
Replies: 213
Views: 17095

Re: Tempted to Use Roth IRA for House Down-Payment

Good ideas. I appreciate your input.
by ruanddu
Sat Apr 20, 2013 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tempted to Use Roth IRA for House Down-Payment
Replies: 16
Views: 2118

Tempted to Use Roth IRA for House Down-Payment

I need some sense knocked into me. I am tempted to pull contributions out of Roth IRA that my wife and I have made the past years. We are both 31 yrs old with a 7 month old. We are in a small house in a poor school district and as such would love to relocate somewhere more suitable for our child. Wi...
by ruanddu
Fri Apr 19, 2013 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tempted to Use Roth IRA for House Down-Payment
Replies: 16
Views: 2118

Re: Best Caulking for Bathtub?

100% Silicone, and mask the tub and wall for a professional looking seal and it will be thicker than the lick you finger method. Also clean off the tub and tile with alcohol and let dry before calking. SteveNet - I have heard that if you don't use finger to lay down or smooth the caulking that it w...
by ruanddu
Mon Apr 01, 2013 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Best Caulking for Bathtub?
Replies: 16
Views: 2162

Re: Best Caulking for Bathtub?

Thanks much everyone.

Any others have suggestions?
by ruanddu
Mon Apr 01, 2013 8:26 pm
 
Forum: Personal Consumer Issues
Topic: Best Caulking for Bathtub?
Replies: 16
Views: 2162

Best Caulking for Bathtub?

Curious what your recommendation is on best caulking for using in bathroom where bathtub meets the wall? I have used GE Silicone II in the past. It held up okay but started to discolor before 2 years (has 5 yr warranty).

Thank you.
by ruanddu
Sun Mar 31, 2013 10:58 pm
 
Forum: Personal Consumer Issues
Topic: Best Caulking for Bathtub?
Replies: 16
Views: 2162

VPN for Watching Canadian TV

Would love to watch some of the Discovery shows shown in Canada, though they are blocked online for viewing in U.S. Anyone use any of the free VPNs out their to watch? If so, what do you recommend?

Thank you.
by ruanddu
Fri Mar 15, 2013 2:13 pm
 
Forum: Personal Consumer Issues
Topic: VPN for Watching Canadian TV
Replies: 2
Views: 415

DIY Bathtub Refinishing

This is a follow-up to a previous post - http://www.bogleheads.org/forum/viewtopic.php?f=11&t=100270 I have decided to go DIY route to save money. I'd appreciate your recommendations on brand/part # of product you used to refinish your bathtub? We have an old cast iron tub and fiberglass surroun...
by ruanddu
Fri Mar 15, 2013 2:11 pm
 
Forum: Personal Consumer Issues
Topic: DIY Bathtub Refinishing
Replies: 0
Views: 202

Re: Ibonds Question

Thanks for clarifying!
by ruanddu
Mon Jan 28, 2013 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ibonds Question
Replies: 5
Views: 891

Ibonds Question

Is it possible to purchase I-bonds with pre-tax money? Meaning, can you have payroll at your job invest a portion of your paycheck in Ibonds and reduce your taxable income?

Thanks.
by ruanddu
Mon Jan 28, 2013 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ibonds Question
Replies: 5
Views: 891

Re: Any Experience/Ideas Creating Side Income w/ Home Busine

Thought I'd follow up on this thread and also ask for advice on ideas for a part time business / income in addition to a full-time job? My goal is to have my wife be able to stay home full-time with our child and this could be the ticket until down the road I can make more money at current job. Than...
by ruanddu
Sun Jan 27, 2013 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any Experience/Ideas Creating Side Income w/ Home Business?
Replies: 10
Views: 1498
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