Search found 572 matches

by ddurrett896
Tue Jun 27, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Tipping floor subcontractors?
Replies: 12
Views: 627

Re: Tipping floor subcontractors?

TTGO808 wrote:the company is paying them about half of what they are charging me for labor/service.


This is the way most construction works. No tip.
by ddurrett896
Tue Jun 27, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: MESH (Whole Home Wi-Fi Systems)
Replies: 2
Views: 184

Re: MESH (Whole Home Wi-Fi Systems)

Hi BH, As my router is on top floor, I’m fairly close to making the decision to not run Ethernet to my basement and instead get a wireless mesh network (Whole Home Wi-Fi Systems). Or I still run the Ethernet cable (to a switch) and still get the Mesh, because I understand there are distinct advanta...
by ddurrett896
Mon Jun 26, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Won an ATV in a raffle...now what?
Replies: 37
Views: 2628

Re: Won an ATV in a raffle...now what?

Hi all, Last week I thought I'd help out a college foundation my mom is a member of by purchasing a raffle ticket (3, actually) with a grand prize of a new ATV with an MSRP of ~12K. Somehow I actually won the thing...something I wasn't exactly prepared for! I don't have much desire for the ATV and ...
by ddurrett896
Sat Jun 24, 2017 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Crazy(?) Adviser Advice: "I don't believe in bonds"
Replies: 48
Views: 4564

Re: Crazy(?) Adviser Advice: "I don't believe in bonds"

When I countered that I thought owning 20% in bonds was a good way to diversify, he agreed that bonds diversify, but said that if i was willing/able to ride out the bear markets without selling, I was better off being 100% in equities. Is this true? I'm a newbie, but my understanding was that a 100...
by ddurrett896
Sat Jun 24, 2017 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Need your help to pick life insurance carrier :)
Replies: 22
Views: 1269

Re: Need your help to pick life insurance carrier :)

flyintangelet78 wrote:Protective


This for my wife and I. Cheap, great ratings and smooth signup.
by ddurrett896
Fri Jun 23, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Personal training and massage expenses
Replies: 14
Views: 1187

Re: Personal training and massage expenses

To maintain my health, I pay for personal training sessions, health club membership, and massages. Can my company pay these expenses (because they help me to continue to work effectively)? I am the only employee of my company. If not, can these expenses be reimbursed from my HSA? Taking a week long...
by ddurrett896
Fri Jun 23, 2017 6:43 am
Forum: Investing - Help with Personal Investments
Topic: New Employer - New 401(k) Options
Replies: 12
Views: 654

Re: New Employer - New 401(k) Options

rdlaner wrote:Target Retirement 20xx Trust Plus (0.06%)


This and forget about it!
by ddurrett896
Fri Jun 23, 2017 6:36 am
Forum: Personal Finance (Not Investing)
Topic: New Baby - Wife stay at home for 1 year?
Replies: 48
Views: 3932

Re: New Baby - Wife stay at home for 1 year?

My wife has the option to stay at home and take 1 full year of work off (unpaid leave) and I want to see if anyone can share their own personal experience with a similar situation and what you did. I'm assuming the option means she can return to same/like job in a year? If yes, I would do it. You c...
by ddurrett896
Thu Jun 22, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 4350

Re: Help with Guns in Estate [how to sell]

Want to sell them? Post some pictures and you can ship from FFL to FFL no problem.
by ddurrett896
Thu Jun 22, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1874
Views: 297380

Re: What's Your Credit Card Rewards Strategy?

Looking for an everyday card for my wife and I to share on house related expenses. Only redeem for cash/gift cards.

Still plan on opening bonus cards when able. What is the best card with no fee? Thinking the Citi 2% is the best I've seen but yall are the experts. Thanks!
by ddurrett896
Thu Jun 22, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Did I just get seriously ripped off?? (Car lease)
Replies: 54
Views: 4530

Re: Did I just get seriously ripped off?? (Car lease)

Panople wrote:The car was starting to become a money pit. Between $2-$4k per year to fix.


If I had a car that was 9 years old that depreciated to $5,000 AND was $2-$4k to maintain, I would never buy from the manufacture again!
by ddurrett896
Wed Jun 21, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 4986

Re: Alternatives to Amazon

And now Amazon just made a move to give online ( and perhaps traditional brick and mortar) clothing stores a run for their money. They're offering Prime Clothing, allowing Prime members to order clothing, try it on, and not pay a cent until an item is actually kept. Unwanted items are simply return...
by ddurrett896
Wed Jun 21, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 70
Views: 4517

Re: What is your car's average cost ownership?

For the average American, if you drive under 9,000 miles per year - it's more cost effective to use UBER.
by ddurrett896
Tue Jun 20, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2370
Views: 721697

Re: What Book Are You Currently Reading? Part VI

Minot wrote:
ddurrett896 wrote:Control: Exposing the Truth About Guns

<snip>

By Glenn Beck


Correct. Here's the link

https://www.amazon.com/dp/1476739870/re ... szbJ7H1VAR
by ddurrett896
Tue Jun 20, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 4986

Re: Alternatives to Amazon

Outrageous! How dare they try to deliver the package to you, in-person. If the babies are sleeping, stick a Post-It on the door. This fixed the problem initially - guess I should get another made that specifically calls out Amazon Flex.... http://i61.photobucket.com/albums/h44/durrettsyndrome/IMG_0...
by ddurrett896
Tue Jun 20, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 4986

Re: Alternatives to Amazon

In most cases, that's an unreasonable expectation. It's not an expectation, but it's the difference between a professional delivery service and the Uberlike Amazon Flex. This comes at a cost and there isn't much in terms of savings on goods and shipping between Amazon and other retailers who delive...
by ddurrett896
Tue Jun 20, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 4986

Re: Alternatives to Amazon

Jeez, these are people just trying to make a buck. It's not entirely their fault customers don't like them. For example, my local mailman, Fedex and UPS drive know I have small children and never ring the doorbell because of the potential naps. The Amazon Flex people ring, bang on the storm door a ...
by ddurrett896
Tue Jun 20, 2017 6:52 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 4986

Re: Alternatives to Amazon

We have Amazon Flex in my area and I've never had this many issues with shipments. This month: (2) packages showed delivered but went to a different address. Both shows up a day later with a hand written note saying wrong house. (1) package showed delivered and after a few days, no note (assumed it ...
by ddurrett896
Tue Jun 20, 2017 6:45 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2370
Views: 721697

Re: What Book Are You Currently Reading? Part VI

Control: Exposing the Truth About Guns

Excellent book - every American should read.
by ddurrett896
Mon Jun 19, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 2497

Re: Need WIFI repeater or second router Advice

yolli71 wrote:
I truly cannot recommend the Google Wifi system enough. They're sold on Amazon and at Best Buy...I think they're on sale right now as mine was $274.99 (instead of the normal price of $299.99 I believe).


Did you use with FIOS? Also, did you still use your current router? Thanks!
by ddurrett896
Sat Jun 17, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 16318

Re: Siblings in disagreement over mom's house.

Background info: 4. The siblings who want to keep house do not have the financial means to "buy-out" the other siblings. 5. The house is somewhat in average shape but rapidly deteriorating. The siblings who do not want to sell are pretty adamant about it and basically have "over my d...
by ddurrett896
Sat Jun 17, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 2497

Re: Need WIFI repeater or second router Advice

Goal33 wrote:
Sidney wrote:I would replace their router with a better one.


+1, try an R7000. Affordable and excellent.


Do you use this with FIOS currently? If so, did you just unplug old and plug this in and start using or did it require a call to Verizon tech support? Thank you!!
by ddurrett896
Sat Jun 17, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 58
Views: 2751

Re: Suggestions for password storage services?

jebmke wrote:I use KeePass. Store the KP database on my Google drive.


Is this easy to setup? I looked on their website and it wasn't user friendly :confused
by ddurrett896
Fri Jun 16, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 2497

Re: Need WIFI repeater or second router Advice

If you are able to run an ethernet cable to the location of the home where you have problems, then you fix this very cheaply. Buy a cheap second router (like a $20 or less linksys), connect it to the ethernet cable, and set it up in Bridging mode. This way, you will have the same SSID (network) acr...
by ddurrett896
Fri Jun 16, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 2497

Re: Need WIFI repeater or second router Advice

[quote="KlangFool"

If the router is more than 1 year old, complain to them and get a new one from them. [/quote]

updated original post
by ddurrett896
Fri Jun 16, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 2497

Need WIFI repeater or second router Advice

Currently have Verizon FIOS with their provided router and have terrible WIFI on the other side of my house - maybe 50 feet away. I've read I can do a repeater or add a second router that is connected with a Ethernet cable. The reviews on repeaters are iffy and there appears to be a lot of setup wit...
by ddurrett896
Thu Jun 15, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Contractor took deposit but never did any work. What next?
Replies: 31
Views: 3938

Re: Contractor took deposit but never did any work. What next?

Has anyone had an issue like this? Can anyone offer advice on what I should do or what type of lawyer I should look for? Dealt with bad contractors before. Start with your states Department of Professional and Occupational Regulation. These guys are worse than the courts - no joke! They will fine f...
by ddurrett896
Sat Jun 10, 2017 6:18 am
Forum: Personal Consumer Issues
Topic: Bought Seattle Home, Req advice regarding repairs
Replies: 6
Views: 1082

Re: Bought Seattle Home, Req advice regarding repairs

wondering if I should start with a structural engineer to look over the house and make sure there are no serious structural issues. YES YES YES! I always recommend having a structural engineer look over a house in addition to an inspection. Mine was under $500 and provided a binder size report with...
by ddurrett896
Fri Jun 09, 2017 10:35 am
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 6538

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

Does anyone else feel that way? Did anyone else act on similar impulses and purchase stocks like these? Odds are if someone is buying the above, they are also buying other stocks. My FIL buys Amazon, Tesla and 30 other stocks and always tells me how well Amazon and Tesla are doing and the $ he's ma...
by ddurrett896
Thu Jun 08, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Buying a House with an Old but Working Roof
Replies: 19
Views: 1041

Re: Buying a House with an Old but Working Roof

would you buy this house? How would you approach this issue? Yes, an old roof that works isn't a problem. It does open the doors for negotiation and when you talking <$10,000 and the buyers need the house gone, it's peanuts. Worth a shot, ask - the worst they can say is no! As far as an old roof, m...
by ddurrett896
Thu Jun 08, 2017 6:49 am
Forum: Personal Finance (Not Investing)
Topic: How often do you redeem your credit card cash rewards?
Replies: 54
Views: 3007

Re: How often do you redeem your credit card cash rewards?

Since the days of points expiring, I haven't even checked my cards to see if there is an expiration. Our of habit I redeem asap!
by ddurrett896
Wed Jun 07, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: Trailer Towing Tidbits?
Replies: 49
Views: 2292

Re: Trailer Towing Tidbits?

I was planning on driving no faster than 10 mph under the speed limit and staying in the right lane for the most part. Please don't do this. Right lane = ok 10mph under = not ok If your concern is a sticker saying "don't exceed xxx MPH" I guarantee you the tire can handle double that. Man...
by ddurrett896
Wed Jun 07, 2017 7:11 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 6943

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

objectivefunction wrote:Any particularly fun or meaningful push gifts that bogleheads have given or received?


I always give my wife the best push gifts...do all of the cooking, cleaning, shopping, etc. for the first few months.
by ddurrett896
Mon Jun 05, 2017 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Noob portfolio. Need guidance. 27 years old.
Replies: 32
Views: 2493

Re: Noob portfolio. Need guidance. 27 years old.

Principal Large Cap S&P 500 Index Inst PLFIX - 60%
Principal MidCap S&P 400 Index Inst MPSIX - 20%
Principal SmallCap S&P 600 Index Inst PSSIX - 20%

I would allocate the above, plus open a Roth and buy intentional stock (VTIAX) and if you want bonds (VBMFX)
by ddurrett896
Mon Jun 05, 2017 7:11 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 90
Views: 7745

Re: Worth it to buy expensive clothes?

I've picked out 3 pairs of shoes from Allen Edmonds, and went to a local haberdasher to have 6 pants and 10 shirts made to measure. The shoes are like $300 each (on sale), the pants range from $250-$300, and the shirts are around $150-$175. The total is going to be close to $5k. Do people think thi...
by ddurrett896
Mon Jun 05, 2017 6:59 am
Forum: Investing - Help with Personal Investments
Topic: Noob portfolio. Need guidance. 27 years old.
Replies: 32
Views: 2493

Re: Noob portfolio. Need guidance. 27 years old.

LPD11 wrote:
Questions:
2. What funds should I be investing in with my 401k? Are the current ones I'm in okay?


Post available 401k funds with expense ratios.
by ddurrett896
Thu Jun 01, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Drowning in debt
Replies: 52
Views: 4628

Re: Drowning in debt

* I do have a $17,500 untapped personal line of credit that I could use if needed. It's variable interest rate around 9%. Forget this even exists and close it down! No need for this with $600k in taxable. Home loan - $430,000 outstanding / 3.25% fixed for 30 years / $3000 monthly payment (PITI) HEL...
by ddurrett896
Thu Jun 01, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Nephews play football - don't want to encourage this
Replies: 45
Views: 3076

Re: Nephews play football - don't want to encourage this

Usually I support all of their activities financially by buying raffle tickets, etc. But I don't want to do anything to encourage the boys to play tackle football due to the risk of head injuries and long term brain damage. Buying raffle tickets doesn't encourage them to play football - they play b...
by ddurrett896
Wed May 31, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Relative just bought a house in a hot market. Should I change my investment strategy?
Replies: 53
Views: 4892

Re: Relative just bought a house in a hot market. Should I change my investment strategy?

miamivice wrote:I'm wondering if I should start thinking about investing in hot housing markets instead of stocks?


“Be Fearful When Others Are Greedy and Greedy When Others Are Fearful”.
by ddurrett896
Wed May 31, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Personal capital flight to non-US$, NOT Political!
Replies: 15
Views: 1533

Re: Personal capital flight to non-US$, NOT Political!

What would be the reason to have a second passport?
by ddurrett896
Tue May 30, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Do I deserve it? [A new car]
Replies: 69
Views: 5199

Re: Do I deserve it?

Buy a new car and drive for 10+ years.
by ddurrett896
Tue May 30, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Losing money on vehicle, should I or shouldn't I?
Replies: 24
Views: 2559

Re: Losing money on vehicle, should I or shouldn't I?

I dislike the way it drives Any utility vehicle or side by side drives harsh. I dislike the constant tinkering that is required to get it to run correctly Driving offroad beats the life out of vehicles. Tinkering is part of ownership. I dislike the fact that it is getting a reputation for clutch fa...
by ddurrett896
Sun May 28, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Second Thoughts on Whole Life Insurance <1 Year into it - Advice???
Replies: 52
Views: 3232

Re: Second Thoughts on Whole Life Insurance <1 Year into it - Advice???

frymiller wrote: MY QUESTION IS: Does this seem like a good financial plan? Or should we cut whole life, take the $11k loss, and take advantage of other options. Or try to do both???


Cut it asap and buy term.

My suggestion would be to apply and get a term policy started before cancelling the whole life.
by ddurrett896
Fri May 26, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 45
Views: 3942

Re: Septic Pumping - Did I get ripped off?

PlayingLife wrote:3. "Misc." = $50.00


What is this?
by ddurrett896
Fri May 26, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Risky to ask for raise with another offer?
Replies: 28
Views: 2327

Re: Risky to ask for raise with another offer?

1) jobs essentially the same, current company more stable 2) I feel I am underpaid but overall happy with people I work with and I would like the stability due to a new baby 3) current company has me under obligation to pay back significant bonus if leaving before 2017 4) good relationship with dir...
by ddurrett896
Thu May 25, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Help! Renters asking for radon mitigation--what do I need to do?
Replies: 18
Views: 1663

Re: Help! Renters asking for radon mitigation--what do I need to do?

What the cost? If reasonable then get it done so you have an updated document. If it's too expensive, tell them it checked out back in 09 and they can pay for the test and if it comes with a high reading, similar to their at home test, reimburse them. This questions their faith in a low cost home te...
by ddurrett896
Thu May 25, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Carpet Cleaning Rental
Replies: 7
Views: 592

Re: Carpet Cleaning Rental

Yes - I've rented to clean my rental. They work.
Now I call a carpet cleaning company. You can normally find a Groupon and they cost the same, do a better job and less work on you.
by ddurrett896
Thu May 25, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Cheap gym shirts w/ certain materials
Replies: 23
Views: 2542

Re: Cheap gym shirts w/ certain materials

PlayingLife wrote:Online recommendations preferred, but in-store is fine too. Thanks!


The brand GILDAN has been excellent for me. I have gym shirts and tanktops that I've worn 1x per week for years and they still fit the same and haven't faded. Check them out on Amazon ~$7.
by ddurrett896
Wed May 24, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 10429

Re: What to do with all these passwords ?

+1 for KeePass 1. Can generate passwords. Uses strong encryption, option to use keyfile to secure database 2. I keep the database file online using WebDAV. You can also save and share the database using Google Drive or OneDrive 3. Take KeePass with you on a USB key. Can use "secure desktop&quo...
by ddurrett896
Sat May 20, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 3431

Re: Bad experience with 'rescuing' a lost dog

If your a criminal for taking the dog in tell them you obviously want to follow to follow the law and can...

1) let the dog go
2) hold the dog for the owner at a rate of $xxx per hour. The first 2 hours are free

Let them decide

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