Search found 634 matches

by ddurrett896
Sun Oct 15, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 35
Views: 1638

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: 4462

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: 4581

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: 1010

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: 3285

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: 4564

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: 25250

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: 25250

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: 314

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: 1632

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: 16641

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: 4162

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: 1833

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: 3468

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: 8689

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: 108
Views: 16485

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: 3679

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: 10078

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: 584

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: 1434

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: 6303

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: 5207

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: 4233

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: 1354

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: 2872

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.
by ddurrett896
Wed Aug 23, 2017 6:27 am
Forum: Personal Finance (Not Investing)
Topic: School Redistricting - What should we do?
Replies: 96
Views: 7377

Re: School Redistricting - What should we do?

Option 1 - MOVE NOW. This will involve taking at least 70-100K equity loss due to drop in home value. I wouldn't take a 70-100k loss right now. Another options since you're already a landlord - keep an eye out for a deal on an inexpensive property in the new district and while you rent, use that ad...
by ddurrett896
Sat Aug 19, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 7220

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: 182
Views: 12264

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: 37
Views: 3907

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 Finance (Not Investing)
Topic: HSA: School Me
Replies: 13
Views: 1056

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 Finance (Not Investing)
Topic: HSA: School Me
Replies: 13
Views: 1056

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 Finance (Not Investing)
Topic: HSA: School Me
Replies: 13
Views: 1056

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: 5994

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: 37
Views: 3907

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: 4975

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: 3833

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: 34
Views: 6592

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: 1587

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: 3434

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: 37
Views: 3737

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: 2933

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: 5410

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: 1904

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: 4005

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: 135
Views: 10622

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: 2615

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: 1667

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: 623

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: 2976

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: 2250
Views: 392145

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 ...