Search found 608 matches

by ddurrett896
Sat Aug 19, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 6649

Re: DUI lawyer - need advice

Lawyer and don't pay a dime. If DC doesn't have the money, pay it and make them pay you back 100%. Consider this a very expensive learning lesson! It worked for my younger self.
by ddurrett896
Thu Aug 17, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 159
Views: 8735

Re: Is it worth it?

Nothing is more important to us than family but I do not think that requires one of us to stay home. Maybe not stay home, but 70 hours is brutal with small kids. I gave up an opportunity to double my salary so I can work from home. Best thing ever! Career and money is easy and always there - spendi...
by ddurrett896
Thu Aug 17, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Remodel Price/Contractor Dispute
Replies: 33
Views: 3173

Re: Kitchen Remodel Price/Contractor Dispute

That's BAD. What is there even trim on the inside and outside corner? Looks like Sheetrock and that stuff is only used with paneling.

If you have to keep, atleast termite it at the top of the baseboard, after it wraps complete around the room.
by ddurrett896
Thu Aug 17, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: HSA: School Me
Replies: 6
Views: 346

Re: HSA: School Me

cas wrote:
Thu Aug 17, 2017 1:20 pm
Unfortunately the HRA probably causes you to be ineligible to contribute to an HSA
Ahhh I see. The problem I have is with the HRA, if you leave the company the $ goes to the company.
by ddurrett896
Thu Aug 17, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: HSA: School Me
Replies: 6
Views: 346

Re: HSA: School Me

niceguy7376 wrote:
Thu Aug 17, 2017 12:52 pm
Please check with your ins policy if your plan is HSA eligible.
At work, please double check if you have a FSA (that expires after the year and totally different from HSA) or HSA.
Fixed. It's an HRA.
by ddurrett896
Thu Aug 17, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: HSA: School Me
Replies: 6
Views: 346

HSA: School Me

I've read about Health Savings Accounts and after hitting my insurances max out of pocket, I want to start saving tax free in the event something comes up. Where do I start? My works offers an HRA however it doesn't roll over year to year. Use it or lose it. Is there a HSA account I can setup thru a...
by ddurrett896
Wed Aug 16, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5256

Re: Plan for making child pay for part of college

I'm believe everyone needs to have skin in the game - nothing is free! I was raised with my parents matching everything I did, so i had 50% in the game. Worked out great.
by ddurrett896
Tue Aug 15, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Remodel Price/Contractor Dispute
Replies: 33
Views: 3173

Re: Kitchen Remodel Price/Contractor Dispute

dabretty wrote:
Tue Aug 15, 2017 12:47 pm
What should I do?
Tell him that you will pay the $500 and tell everyone who asks about your beautiful kitchen the story of what happened.
by ddurrett896
Mon Aug 14, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: What home task(s) are worth learning to do yourself?
Replies: 46
Views: 4672

Re: What home task(s) are worth learning to do yourself?

I highly recommend knowing where the water shutoff is. This is something you should "learn" even before a problem crops up. +1 Also a tube cutter ($10) and a couple shark bite caps. Having the water off is great, but being able to cap the problem and turn water back on beats waiting on a plumber.
by ddurrett896
Sun Aug 13, 2017 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account
Replies: 37
Views: 3629

Re: Health Savings Account

My employers HSA forces you to use it or lose it by the end of the year.

Is there an option, outside of employer that offers a HSA account (similar to a 529)? Thanks!
by ddurrett896
Sat Aug 12, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: "Upper Middle" Class - ditch WLI or ride it?
Replies: 32
Views: 5540

Re: "Upper Middle" Class - ditch WLI or ride it?

6,600 into Whole Life Insurance (through Northwestern - 2 policies (i got a big pay bump and opened a 2nd one) 498k base coverage paid up 65) I feel awful because my grandfather gave me 10k when i turned 25 and i felt like i wasn't being responsibly with my money (had 30k in bank cash savings sitti...
by ddurrett896
Sat Aug 12, 2017 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Gameplan to 100k
Replies: 12
Views: 1507

Re: Gameplan to 100k

Thank you for all the information. The money would be to buy a house in cash in a low cost of living area in the country. I am a mailman in rural Tennessee. Its a personal thing for me to buy a house outright. I have seen a lot of people lose their homes and it's something I wanted to do since I wa...
by ddurrett896
Sat Aug 12, 2017 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Can a salaried employee be docked pay...
Replies: 33
Views: 3267

Re: Can a salaried employee be docked pay...

Can they? Yes.
Will they? Maybe.

I took a salaried job and needed 2 days off prior to accruing any time. My boss just said make up the time whenever. It seemed like it was more of a hassle to dock vs just letting it ride.
by ddurrett896
Sat Aug 12, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 35
Views: 2904

Re: Cheapest way to upgrade iPhones ?

Following!

I miss the $199 iPhone upgrade every 2 years and re-selling my old phone for $150 on Craigslist.
by ddurrett896
Fri Aug 11, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Bough gift cards from cash card.com and somebody else used them all
Replies: 25
Views: 2745

Re: Bough gift cards from cash card.com and somebody else used them all

misterno wrote: I can not believe this is happening. So what else can I do now?
I would start with the credit card company used to purchase the cards from cash card.
by ddurrett896
Fri Aug 11, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5165

Re: Buying a Vehicle the Old Fashioned Way

AlwaysBeClimbing wrote: inhale the aromatic fumes
That's the best part...
by ddurrett896
Thu Aug 10, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Best at Home Safe
Replies: 24
Views: 1772

Re: Best at Home Safe

Looking to purchase a new safe for the house. Items needed more often and being in a safe deposit box would be a burden. IE - passports, documents, and some cash/gold. Any good experiences with certain brands or types? Had the common box fire safe/box that finally died and I want to upgrade. When i...
by ddurrett896
Fri Aug 04, 2017 6:25 am
Forum: Personal Finance (Not Investing)
Topic: How much do kids cost in a high COLA?
Replies: 57
Views: 3761

Re: How much do kids cost in a high COLA?

Clearly daycare and baby sitters would eat up a huge chunk of money. How about food? Clothes? Toys? Activities? What has been your experience? What else do I need to know or think about? You're pretty spot on - child care is really the majority. With three kids your looking at a second mortgage unt...
by ddurrett896
Sun Jul 23, 2017 6:34 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 128
Views: 8888

Re: Is Amazon Prime worth it?

I would have said no before I realized everything else they offer. For years I purchased thing off Amazon and had no issue meeting the minimum for free shipping ($25-$35). My inlaws pay for it and I added my account as an authorized user, which have me accesss to almost everything they offer. Recent...
by ddurrett896
Fri Jul 21, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: simplicity vs chasing bonuses
Replies: 29
Views: 2423

Re: simplicity vs chasing bonuses

I chase first for the bonus, but also for the security. With all these large companies having data stolen, closing a card after a few months and opening a new makes me feel safer.

I do have my two original cards but I watch those statements because they are rarely used.
by ddurrett896
Thu Jul 20, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord update
Replies: 9
Views: 1567

Re: Accidental landlord update

My new question: our current tenant has taken up themselves to use their security deposit as their last months rent. That is illegal in VA where I landlord. Think about it - the deposit covers damages. You won't know if there is damage until they move out. Seems easy enough to explain to them why y...
by ddurrett896
Thu Jul 20, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Looking for some input on job offers
Replies: 7
Views: 601

Re: Looking for some input on job offers

Looking for some input on jobs. I have 2 job offers right now and I am really having a hard time making a decision on what to do. I will be taking one of these offers, but I don't know which one. Company A - Used to work there so I know the culture/job processes, really great benefits, mediocre pay...
by ddurrett896
Sun Jul 16, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Would you look for a general handyman for these home jobs?
Replies: 28
Views: 2844

Re: Would you look for a general handyman for these home jobs?

PlayingLife wrote:2. Install a quality filter system on our furnance, replacing the cheap disposable filters that are down there now (already bought the proper filter)


Off topic: Cheap disposable filters work without putting a strain on the unit like the thick paper ones.
by ddurrett896
Sat Jul 15, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 350923

Re: What's Your Credit Card Rewards Strategy?

For an all around cashback card you're better off with the Alliant Visa Signature card than a 2% cashback card if you spend more than $11,800 a year. It's 3% cashback on all purchases the first year and 2.5% after that. There is a $59 annual fee, but it's waived the first year. +1 very under-rated ...
by ddurrett896
Sat Jul 15, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3385

Re: What am I missing here? [I'm a bachelor]

Looked at a house today, $240,000 with a 30 year fixed at 3.75% APR I will pay $270,000 in interest/$510,000 total principle+interest at the end of the 30 years. Add in all the home maintenance, and the taxes. This is why I rent. I have no kids, no wife. Don't need it. The white picket fence Americ...
by ddurrett896
Thu Jul 13, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Hotel tipping: how much to leave?
Replies: 72
Views: 3893

Re: Hotel tipping: how much to leave?

$0.

If I need extra towels, I go downstairs and get them myself. Other than that, when I check in the Do Not Disturb hanger goes on the door until I leave. Hate thinking about random people alone with my belongings.
by ddurrett896
Wed Jul 12, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 6856

Re: Personal loan to a family member

DEZ1 wrote:I am somewhat worried about getting it back.


Run - don't do it!
by ddurrett896
Mon Jul 10, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4467

Re: Coyote control

Shoot them or trap them then shoot them.
by ddurrett896
Sat Jul 08, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Closing Credit Cards - Advice on Oldest
Replies: 7
Views: 781

Closing Credit Cards - Advice on Oldest

Currently have a 13 year old VISA and 11 year old AMEX that I rarely use. I keep them active because they are my longest cards but don't pay the best rewards since the programs are so old. Since, I've opened a better AMEX with double the points that's my go to when I'm not churning a card for the bo...
by ddurrett896
Sat Jul 08, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 6659

Re: How much of an increase of salary would you expect before switching jobs?

would it send the wrong message to take a new job and then take a vacation a month later? No! When I took my current job I needed a few days off for a wedding the next month. My vacation didn't start accruing for 3 months and I asked for it unpaid. Since in salaried, my boss couldn't really adjust ...
by ddurrett896
Sat Jul 08, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 6659

Re: How much of an increase of salary would you expect before switching jobs?

nitro4214 wrote:
There is also one LESS week vacation. I currently have three weeks per year and they offer two. I would be losing my summer vacation that I planned later this summer.


You can negotiate this.
by ddurrett896
Wed Jul 05, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Range advice (for kitchen)
Replies: 9
Views: 567

Re: Range advice (for kitchen)

TareNeko wrote:Thank you for the input. Several people told us to avoid GE.
sport wrote:We have a duel fuel slide-in GE range. I would not recommend it.


If it makes any difference, I have a dual fuel GE Safe slide in range and absolutely love it!
by ddurrett896
Sun Jul 02, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Grandson's request for advice
Replies: 37
Views: 3575

Re: Grandson's request for advice

Anyone have any advice I can give him Explain why you invest the way you do, show him a trajectory of his investment in a 3 fund portfolio and let him make his decision. I imagine my 15 year old self after watching The Wolf of Wall Street and there is nobody that could talk me out of at least tryin...
by ddurrett896
Thu Jun 29, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: Purchasing physical gold??
Replies: 71
Views: 10162

Re: Purchasing physical gold??

Flashes1 wrote: in the event of an economic collapse although guns and animals/crops will probably be more valuable.


I say this time and time again.
by ddurrett896
Wed Jun 28, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?
Replies: 46
Views: 1759

Re: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?

ERISA Stone wrote:We are taking the kids to Disney this year for the first time from metro Atlanta. Including bathroom breaks and eating, I anticipate it will be about a 9.5-hour drive.


Flights to Orlando are cheap - I'd fly BUT only if there was no connecting flight. Total flight time is probably an hour.
by ddurrett896
Wed Jun 28, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: Certified Pre-Owned Honda/Toyota
Replies: 9
Views: 923

Re: Certified Pre-Owned Honda/Toyota

poloplayer012 wrote:Certified Pre-owned (CPO) Honda CRV or Toyota RAV4. Year ranges I am looking at are 2015 and newer.


Price will likely be close to new - buy new.
by ddurrett896
Tue Jun 27, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Tipping floor subcontractors?
Replies: 12
Views: 841

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: 294

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: 39
Views: 3384

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: 49
Views: 5345

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: 1507

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: 1315

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: 803

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: 4305

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: 4787

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: 2016
Views: 350923

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: 5051

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: 5603

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: 5189

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: 2524
Views: 798715

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