Search found 659 matches

by ddurrett896
Sun Dec 17, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Lunch Ideas
Replies: 14
Views: 1231

Lunch Ideas

Bring cost conscious, I know a lot of you must pack lunch. What do you eat besides ham/turkey sandwiches? I've got dinner locked down, but always deviate at lunch which is where most of my eating out goes towards.
by ddurrett896
Fri Dec 15, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: 28 Years Old: In the current market, what % into bonds?
Replies: 53
Views: 2890

Re: 28 Years Old: In the current market, what % into bonds?

My question is: As the stock market continues to go up and up, how much should I be putting into my bond index? If I understand prevailing Boglehead theory correctly (and it's very possible I don't) then bonds are currently "on discount" but once the stock market corrects a little bit the value of ...
by ddurrett896
Thu Dec 14, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Property Insurance - Considering Switching
Replies: 6
Views: 548

Re: Property Insurance - Considering Switching

1. Is your house value insured too high? You should only insure the home and related - and not the value of the home including land value. I think it’s priced right and only includes the home, not land. 2. Are you getting all of the multiple policy discounts I am. The only thing I can add is a GPS ...
by ddurrett896
Thu Dec 14, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Property Insurance - Considering Switching
Replies: 6
Views: 548

Property Insurance - Considering Switching

Currently insure property thru State Farm and think about making a change. Prices increases on vehicles that lose value and I get the sense they don't really care to help when I talk to my agent. Started life with State Farm because of my parents and continued to add, never shopping around. Below is...
by ddurrett896
Wed Dec 13, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3123

Re: Access to landlocked timber blocked by landowner

I spoke to the landowner and he stated that the person leasing the hunting ground did not want my vehicle on the north side of the timber because it affected the way the deer traveled. In situations like this, where there is no compromise (old father and pregnant wife), all you can do it fight fire...
by ddurrett896
Fri Dec 08, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Got a little carried away, now stuck...
Replies: 12
Views: 2792

Re: Got a little carried away, now stuck...

I don't use target funds because I save more than most my age and would prefer to carry more risk for now. Edit: I should add that my IRA is the Fidelity 2050 fund. If you want more risk, select a target date fund further out. The problem with adding a little here and a little there, turning a 3 fu...
by ddurrett896
Fri Dec 08, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: sharing cost of tree cutting
Replies: 31
Views: 1601

Re: sharing cost of tree cutting

He is asking me to prune my trees that overhang into his yard and he will split the cost. I'm in the same situation as your neighbor and would never ask to split the cost of something that is my problem. Obviously, if you wanted the tree gone that's a different story, but the overhang is 100% on him.
by ddurrett896
Wed Dec 06, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8407

Re: Want to sell my Bitcoin, but when?

coalcracker wrote:
Fri Dec 01, 2017 7:04 pm
2. Sell half in 2017, half in January 2018. Incur $14,000 gains and offset $6000.
This
by ddurrett896
Wed Dec 06, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?
Replies: 29
Views: 1751

Re: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?

I prefer 2 wheels because they are protected. Luggage carriers throw bags around - 4 exposed wheels are exposed to break.
by ddurrett896
Tue Dec 05, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Past Perception of Automakers vs. Today
Replies: 11
Views: 652

Re: Past Perception of Automakers vs. Today

My experience is American SUV's and trucks hold their value I’ve only seen this with 7.3l Fords. Was in the market for a full size SUV last year. Surburban/Tahoe/Expiditions 3 years old were 50% of their value. Honda Pilot was around 95% and ended up being cheaper to buy new when you factor in bett...
by ddurrett896
Tue Dec 05, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4642

Re: selling an older car on eBay-no bites!

Any thoughts appreciated. Thanks in advance. Sold a 50+ year old car on Ebay a few years ago. My recommendation would be: 1) Put your phone number in the ad so people can call and ask questions. This also puts you in contact with a buyer and the potential to sell outside of Ebay. 2) Set a reserve a...
by ddurrett896
Sat Dec 02, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Safes
Replies: 31
Views: 2020

Re: Safes

praxis wrote:
Sat Dec 02, 2017 6:38 am
Apple & Drop Box

you?
I haven't, but need to. I have some images on the Apple Cloud, however don't like being tied to a service provider in the event I jump ship.
by ddurrett896
Fri Dec 01, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Safes
Replies: 31
Views: 2020

Re: Safes

praxis wrote:
Fri Dec 01, 2017 12:16 pm
the best family photos are in the cloud.
What cloud service do you use?
by ddurrett896
Thu Nov 30, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Safes
Replies: 31
Views: 2020

Re: Safes

I'm considering the acquisition of a fire/burglary safe, specifically a Liberty Lincoln 35, and wonder if anyone in this community has experience with that brand and, ideally, that model, and could comment about their experience with it? Can't go wrong with Liberty! I was in the same boat months ag...
by ddurrett896
Fri Nov 24, 2017 7:20 am
Forum: Personal Consumer Issues
Topic: Which model treadmill to buy
Replies: 18
Views: 1539

Re: Which model treadmill to buy

bloom2708 wrote:
Thu Nov 23, 2017 9:38 pm
Are you serious runners?

If so, find a used commercial treadmill. Try Craigslist. Pre-owned equipment shops.
This x 1000. Workout equipment has to be the worst for purchases that go unused that end up online.
by ddurrett896
Tue Nov 21, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: FIOS contract up - Price Increase
Replies: 18
Views: 1411

Re: FIOS contract up - Price Increase

To those that cancel their service and signup using wife/mom's name, was phone service involved? We wanted to keep our existing phone number so the cancel option didn't seem like it would work for us. I'm trying to convince my DW to drop the phone next time we switch so we can try the name switch-a...
by ddurrett896
Tue Nov 21, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: FIOS contract up - Price Increase
Replies: 18
Views: 1411

Re: FIOS contract up - Price Increase

zimmer0 wrote:
Tue Nov 21, 2017 4:49 pm
A simple name change may not qualify as a "new customer" as the service is being billed to the same address.
I'm not talking about changing the name.
My wife cancels on 12/15/17.
I setup service in my name 12/16/17.
by ddurrett896
Tue Nov 21, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: FIOS contract up - Price Increase
Replies: 18
Views: 1411

FIOS contract up - Price Increase

Current Verizon Fios customer with no contract and discounts that have expired. 50/50 internet with preferred TV and basic phone bundle. Was paying $110/month - bill jumped to $138 and will increase to $160 September 2018 when the last $22 discount expires. If I renew, my best rate is $128, saving m...
by ddurrett896
Wed Nov 15, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4809

Re: Fair way to split expenses?

50/50.
by ddurrett896
Tue Nov 14, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Scooter insurance for a 20 year old college student
Replies: 22
Views: 1299

Re: Scooter insurance for a 20 year old college student

Red Headed Mommy wrote:
Thu Nov 09, 2017 3:49 pm
Any suggestions I can suggest for him searching for a reasonable rate? I am thinking less of a "big box" insurance company would be better suited for his needs...
I was that age with a brand new 1200cc Harley and a horrible record. Liability was $360/year.
by ddurrett896
Tue Nov 14, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: IPHONE 8, X
Replies: 39
Views: 2275

Re: IPHONE 8, X

I just upgrade from a 6S to the X. Worth the money? Yes. I cycle thru phones every 2 years, so it came down to the 8 and X. While the dual cameras sold me on the X. Yes, they are available on the 7 and 8 however only in the + versions. Being a pocket carrier, there is no way a + is going to fit. The...
by ddurrett896
Thu Nov 02, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Put cash into a home or stock market.
Replies: 30
Views: 3545

Re: Put cash into a home or stock market.

Or should I put 3.5 to 20% down and the rest in the stock market? I still have 21k in student loans at 2% interest and 3.5K on a car payment. Any thoughts or recommendations on how to spend the 95,000? Pay off car - $3,500 Put down on house - $35,000 Do a 15 year mortgage and bank the $56,500. Defi...
by ddurrett896
Fri Oct 20, 2017 10:22 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 27521

Re: Sitting on cash....Waiting for a crash

You guys are not going to believe me but I swear on my children that following is the truth. I believe you - it's exactly what these people were doing 1-2 years ago... https://www.youtube.com/watch?v=qtrrZUOU_UU Then 2 days ago, the RNC announced the last 9 months of fundraising and it's 1) a recor...
by ddurrett896
Thu Oct 19, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 27521

Re: Sitting on cash....Waiting for a crash

I'm in my late 30's and have at least 15-20 years until I retire. I'm considering putting any new investment money into my savings account for the next 3-5 years until I see some kind of dip in the market. I know it's market timing, but I'm tired of buying expensive stocks via my index funds. Anyon...
by ddurrett896
Sun Oct 15, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 36
Views: 2244

Re: Storing Lawn Tractor over the Winter

Battery tender and add ethanol treatment to all fuel.

Star Tron Enzyme Fuel Treatment - Concentrated Gas Formula 8 oz - Treats 128 Gallons https://www.amazon.com/dp/B00D3IEIH2/re ... 4zb3FR2NCH
by ddurrett896
Wed Sep 27, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4802

Re: $700 to install a dishwasher seem by a plumber?!

Plumbers are giving you outrageous quotes because it's not their job to install appliances.
by ddurrett896
Tue Sep 26, 2017 7:03 am
Forum: Personal Finance (Not Investing)
Topic: 28 Year Old having a Crisis, how am I doing?
Replies: 27
Views: 4808

Re: 28 Year Old having a Crisis, how am I doing?

1. Find Cheaper Accommodation 2. Learn a new skill 3. Transfer within my company and if that fails seek something else Being in a major city with a degree at a young age, do some research on local companies that have a leadership development program. It's common among large companies. These bring i...
by ddurrett896
Sat Sep 23, 2017 6:58 am
Forum: Personal Consumer Issues
Topic: Buckling in Hardwood Floors
Replies: 12
Views: 1079

Re: Buckling in Hardwood Floors

ChrisC wrote:
Sat Sep 23, 2017 6:32 am
The flooring might be engineered hardwood -- this would make a difference, right, at least in so far as concrete moisture causing the problem?
Moisture will still cause a problem with engineered hardwood.
by ddurrett896
Fri Sep 22, 2017 8:02 am
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 3522

Re: Gaps in new hardwood flooring

I bought the wood from Flooranddecor.com and let it acclimate for 2 months. When you say acclimate, did you leave the wood in boxed up and stacked in a pile? If so, I doubt it actually acclimated. Imagine the wood in the middle of the bundle in the middle of the pile... It's a huge pain, but when I...
by ddurrett896
Wed Sep 20, 2017 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Online Bill Pay Security: Push or Pull?
Replies: 102
Views: 4989

Re: Online Bill Pay Security: Push or Pull?

When it comes to online payment, I'm pretty tight.

I keep bill pay checking account at $0 and turned off the ability to default to another account if an overdraft happens. When I go to pay bills, I move only the money needed and then pay.
by ddurrett896
Tue Sep 19, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 26626

Re: Calling out the not so rich bogleheads

This has the effect of scaring away and/or creating resentment in a lot of people who are not close to being millionaires or even just plain wealthy with a healthy emergency cushion, say around 100K-200K saved @ age 35 or 40 . You can't get wrapped up in a number. Think about it like this (assuming...
by ddurrett896
Mon Sep 18, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 26626

Re: Calling out the not so rich bogleheads

This has the effect of scaring away and/or creating resentment in a lot of people who are not close to being millionaires or even just plain wealthy with a healthy emergency cushion, say around 100K-200K saved @ age 35 or 40 . You can't get wrapped up in a number. Think about it like this (assuming...
by ddurrett896
Mon Sep 18, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Financing a Home Remodel
Replies: 3
Views: 350

Re: Financing a Home Remodel

Coming from a guy that has remodeled every room in the house, WAIT like a previous person said. Live for a few months and you will find what you like/hate. Start planning the remodel and give that a few months. Every project I've done has changed design at least 3-4 times.
by ddurrett896
Sat Sep 16, 2017 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Early mortgage payoff vs investing
Replies: 19
Views: 1750

Re: Early mortgage payoff vs investing

My mortgage is at 3.5%. 3.5% minus inflation ~2% turns it into 1.5%. Do you have old neighbors that paid $30,000 for their house 30 years ago and say to yourself, "Man if I paid that for my house I could have it paid off in a year?" Paying your mortgage over time is effectively doing that. There is...
by ddurrett896
Sat Sep 16, 2017 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 129
Views: 17302

Re: Who has needed to use their umbrella insurance?

JonnyDVM wrote:
Thu Jun 16, 2016 8:40 am
Also, what's to stop someone from suing you for 6 million when you have one million of coverage?
Nothing. However if you can get a guaranteed $1mm without litigation or risk it by going to course, the guarantee might seem attractive.
by ddurrett896
Wed Sep 13, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Large portable generator vs. permanent natural gas generator for home
Replies: 67
Views: 4639

Re: Large portable generator vs. permanent natural gas generator for home

I want to have emergency power capability for my home and am considering a large portable generator (gasoline powered) or a fixed Generac style generator that I can connect to my natural gas pipeline. Both would have either a direct connection to a transfer switch or for the portable, be able to pl...
by ddurrett896
Sun Sep 10, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm won't insure my rooftop solar
Replies: 10
Views: 1960

Re: State Farm won't insure my rooftop solar

disconnect enough panels to get below 125%
by ddurrett896
Fri Sep 08, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Should I do 20 or 25 Year Term Life Insurance?
Replies: 49
Views: 3946

Re: Should I do 20 or 25 Year Term Life Insurance?

burnout454 wrote:
Thu Sep 07, 2017 9:18 pm
Recommendations? Other factors?
I'd go with 20.
by ddurrett896
Wed Sep 06, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 9535

Re: When calculating net worth, how do you value your house?

If you do calculate them, I'd use a fire sale price - not the going rate.
by ddurrett896
Wed Sep 06, 2017 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 109
Views: 17794

Re: Becoming a Landlord: My Experiences

...Another tip: If possible start/end your lease during months of high residential turnover like May/June when schools are getting out. We do a 12 month lease starting June 1...schools are getting out and the weather is nice (cold weather state) which makes for lots of turnover and thus more applic...
by ddurrett896
Fri Sep 01, 2017 6:33 am
Forum: Personal Finance (Not Investing)
Topic: How to buy raw (unimproved) land?
Replies: 34
Views: 3933

Re: How to buy raw (unimproved) land?

I am wondering if there is anyone who can comment on experiences financing raw, unimproved land without immediate/planned development? Thinking about doing something similar to you in the far future. Small cabin, generator power, water driven in or filtered from rain, 50 gallon barrel septic...tota...
by ddurrett896
Fri Sep 01, 2017 6:23 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10842

Re: Companies/Brands You Love?

Glock
Allen Edmonds
Kroger
Apple
Toyota
ECHO
Milwaukee Tools
by ddurrett896
Fri Sep 01, 2017 4:15 am
Forum: Personal Consumer Issues
Topic: Visa CC Price Protection on Flight
Replies: 4
Views: 621

Visa CC Price Protection on Flight

2 weeks ago I purchased two flights that have since dropped 25%. Visa Price Protection covers any lower price within 90 days. Does anyone know of this applies to flights??

Card is the Capital One SparknCash for Business.
by ddurrett896
Thu Aug 31, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: iPhone tempered glass...$6 vs $50?
Replies: 17
Views: 1595

Re: iPhone tempered glass...$6 vs $50?

What gives here? Is this a "you get what you pay for" situation? Should we go expensive or cheap? What is the difference in performance between these? Or is it just the warranty guarantee? One word - overhead! I used to be in that business and the chargers sold in store for $35 cost the company aro...
by ddurrett896
Thu Aug 31, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: Hurricane Harvey has me rethinking my approach to disaster preparations
Replies: 72
Views: 6792

Re: Hurricane Harvey has me rethinking my approach to disaster preparations

The problem with disaster prep is that pretty much everything expires. Gas loses its potency. The plastic holding bottled water breaks down and starts to leach chemicals into the water. Canned goods last at most a few years. There is a solution. Have fuel on hand and one a year, maybe make your bir...
by ddurrett896
Wed Aug 30, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5620

Re: Coyote Defense

Suppressed 300 Blackout
by ddurrett896
Sat Aug 26, 2017 7:06 am
Forum: Personal Consumer Issues
Topic: SUV thread (with a twist)
Replies: 44
Views: 4533

Re: SUV thread (with a twist)

Honda Pilot.

My wife sounds like you and we looked at the Highlander and Pilot then the full size Sequoia, Suburban. Didn't want a V8 so that nixed the last two. She like the Pilot more and it works well for our family of 5. Double stroller fits with ease.
by ddurrett896
Sat Aug 26, 2017 7:01 am
Forum: Personal Consumer Issues
Topic: dresser for an adult?
Replies: 15
Views: 1431

Re: dresser for an adult?

Best bet is find something on Craigslist. I've purchased some nice stuff on there for next to nothing. The older, the better when it comes to construction!
by ddurrett896
Fri Aug 25, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Can dispute an expensive medical bill
Replies: 39
Views: 3108

Re: Can dispute an expensive medical bill

Betterself wrote:
Thu Aug 24, 2017 2:10 pm
Is 281 expensive? To me, unwanted expenses are expensive regardless of absolute amounts:)
Yes, you were quoted $30.