Search found 260 matches

by scuttlebuttrp
Wed Jun 22, 2011 3:13 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Pit Bulls
Replies: 166
Views: 13968

Why would you resort to attacks in a calm rational discussion about dogs? The facts tell you pit bulls are the deadliest dogs to humans. I expected better out of you. Huh? I'd be more scared of a Doberman and a few other dogs. I heard that the Neopolitan mastiff was bred as a watch dog as well. In ...
by scuttlebuttrp
Wed Jun 22, 2011 1:41 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Pit Bulls
Replies: 166
Views: 13968

I'm also a little suprised at the irrational comments here. I really expected more from the people here. You will always here about pit bull attacks from the media because sensationalism sells. I've had 2 pit bulls and neither by choice. My wife found one female pit next to a major highway and was c...
by scuttlebuttrp
Wed Jun 15, 2011 5:23 pm
Forum: Personal Consumer Issues
Topic: Did I get overcharged for carpentry, or did I misunderstand?
Replies: 9
Views: 1823

Traditionally the cost of a job was 50/50 labor/ materials. Didn't always work that way but it was usually a close guess. $30 per hr. is a fair price if he's licensed, paying his own taxes, insured, etc.... Your issue though is that your working without a written contract. This exact reason is why t...
by scuttlebuttrp
Tue Jun 07, 2011 3:46 pm
Forum: Personal Consumer Issues
Topic: Call Roofing Company or Construction Company?
Replies: 9
Views: 1183

Another concern is meeting all building codes. Roofer like everyone else said. Make sure they're liscensed. A roof should be a permittable job. Call your local building dept. and discuss it with them. What kind of permits are required? What kind of liscense does the roofer need? What are typical in...
by scuttlebuttrp
Tue Jun 07, 2011 6:01 am
Forum: Personal Finance (Not Investing)
Topic: TURBOTAX AGGHHHHHHHHH! :)
Replies: 4
Views: 1180

That's the problem. I wasn't sure if I was a limited or general partner or that that was the issue causing me to not pay my self employment/ SS, medicare taxes. Never researched it until the auditor brought it up. Good news is she's only going back 2 years. Bad news is I now have to pay 2 years wort...
by scuttlebuttrp
Mon Jun 06, 2011 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: TURBOTAX AGGHHHHHHHHH! :)
Replies: 4
Views: 1180

TURBOTAX AGGHHHHHHHHH! :)

Alright; first all you accountant people stop laughing. My business taxes got audited. No worries. I'm honest and use Turbotax to fill out my 1065 partnership return for my LLC. I used an "Accountant" once and got severly messed over. She wasn't a real accountant, but I'm still skittish. The audit w...
by scuttlebuttrp
Sun May 15, 2011 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: From LLC1099 To PT W2: Can I Put W2 Income In Biz Account?
Replies: 1
Views: 278

It's always a bad idea to mix the 2. Keep business seperate from personal.
The IRS may not care you did it, but you'ld better be able to prove what that bank deposit was.
by scuttlebuttrp
Tue Jan 04, 2011 8:42 am
Forum: Personal Investments
Topic: Would you sell gold w/o the infomercial?
Replies: 7
Views: 1271

Why not just sell it where you are now and not worry about it?
Most coin dealers will happily give you close to spot for gold in any form.
by scuttlebuttrp
Tue Jan 04, 2011 8:35 am
Forum: Investing - Theory, News & General
Topic: Downturn book to read?
Replies: 11
Views: 1592

It's porn. If you want to get rid of some money to feel better; go give the money to a homeless shelter. It's cold and i'm sure they have too many customers this year. Take your family out to dinner. Buy your wife flowers. It'll make her happy. Go get a Grateful Dead Cd, put on some old 70's style h...
by scuttlebuttrp
Sun Jan 02, 2011 7:22 pm
Forum: Investing - Theory, News & General
Topic: 2011 BOGLEHEAD CONTEST REGISTRATION
Replies: 374
Views: 37812

1371.11
by scuttlebuttrp
Sun Dec 26, 2010 9:03 am
Forum: Personal Investments
Topic: 401k matched / roth / 401k unmatched / ?another 401k?
Replies: 1
Views: 605

bump
by scuttlebuttrp
Tue Dec 21, 2010 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: taxes/ 1099 for materials?
Replies: 3
Views: 617

Ahhh; thought it was this year. Nice to know that they have a year to cancel it. Could you imagine the accounting dept. at a business like Home Depot or Lowes receiving a 1099 from every last contractor in america? I think that would be a serious mess for them.
Thanks for the info.
by scuttlebuttrp
Tue Dec 21, 2010 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: taxes/ 1099 for materials?
Replies: 3
Views: 617

taxes/ 1099 for materials?

I'm a small subcontractor and heard that part of the healthcare bill included a new law requiring that businesses now have to send out 1099's to corporations again for services (labor) but also required that we 1099 all businesses for materials as well. Then people started saying that they were goin...
by scuttlebuttrp
Fri Nov 26, 2010 10:58 pm
Forum: Personal Consumer Issues
Topic: How do you make your Thanksgiving turkey?
Replies: 21
Views: 2768

Only "trick" I know I learned on the Today show. Use a spatula and seperate the skin from the breast and stuff it full of butter. Crispy skin and moist turkey. Oh and shove a pricked with a fork orange into the cavity of the bird.
by scuttlebuttrp
Fri Nov 26, 2010 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Where to get old coins appraised/sold?
Replies: 8
Views: 2012

Depending on value I would find a good local coin dealer. They can appraise, purchase or reccomend you to someone more suited. You should of course get a basic understanding of what you have so someone with less than good intentions doesn't take you. Get a Yeoman's red book from the library and chec...
by scuttlebuttrp
Wed Nov 24, 2010 9:30 pm
Forum: Personal Consumer Issues
Topic: What's on your Christmas list?
Replies: 57
Views: 7204

A 2' & a 4' Sands I beam levels, and a portable tablesaw.
and choclate.
by scuttlebuttrp
Wed Nov 10, 2010 7:10 am
Forum: Personal Consumer Issues
Topic: Problem with landscaping contractor.......advice
Replies: 25
Views: 3890

He's paid nearly 100% of the contract? He isn't coming back.
Do what the lawyer person said. You have till monday and then call in the lawyers.
by scuttlebuttrp
Sun Nov 07, 2010 1:28 pm
Forum: Investing - Theory, News & General
Topic: Forums for talking about economic policies
Replies: 12
Views: 1899

Go here and go into the "Mudbox" forum. You can argue about anything you want. We have Austrians, Texas seperatists, liberals, and all sorts of wacky fun. :)
http://www.johnbridge.com/vbulletin/
by scuttlebuttrp
Wed Nov 03, 2010 7:13 am
Forum: Personal Investments
Topic: My portfolio Code Red
Replies: 46
Views: 5900

Hey Doc!
First thing: Breathe.
Your portfolio doesn't look like a disaster. Perhaps throw in some percentages on those current portfolio stocks to help the smart people figure stuff out quicker. They should be around soon. I'm just here to bump your post back to the top.
Now breathe again.
by scuttlebuttrp
Mon Nov 01, 2010 8:24 pm
Forum: Personal Investments
Topic: 401K Help
Replies: 10
Views: 1531

Just a thought, again I'm not one of the smart people; but wasn't most of the derivatives that created the current financial mess rated 5 star by the ratings agencies? What kind of expense ratios are associated with these funds? Do the combined funds do a good job at meeting your current allocation ...
by scuttlebuttrp
Sun Oct 31, 2010 8:52 pm
Forum: Personal Investments
Topic: 401K Help
Replies: 10
Views: 1531

Here's the link I referenced above. If you follow this formula, you should get lots of very good help.
http://www.bogleheads.org/forum/viewtopic.php?t=6212
by scuttlebuttrp
Sun Oct 31, 2010 8:28 pm
Forum: Personal Investments
Topic: 401K Help
Replies: 10
Views: 1531

Hey Jay, If you check the wiki pages, there's one dealing with posting questions like this. Essentially the smart folks here would like to see your whole profile of what you have currently, tax bracket, debt, etc... Check it out and amend the info and the smart people will give some great advice. Me...
by scuttlebuttrp
Tue Oct 26, 2010 7:47 pm
Forum: Personal Consumer Issues
Topic: [del]
Replies: 8
Views: 2326

Have you checked a decent size bank to see if they can get them?
Travel agent people?
Anyone around here live in Africa?
Local coin (& currency) dealers?
by scuttlebuttrp
Fri Oct 22, 2010 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Replacement of Car tires
Replies: 37
Views: 5958

Miles/ tread depth. While tires can dryrot, That takes awhile. Rotating your tires, keeping them properly filled, prolongs their life. The mileage life depends on brand, quality, and how well you take care of them. The original Michelin tires that were on my wife's car were rated for 60K miles and m...
by scuttlebuttrp
Tue Oct 19, 2010 7:47 pm
Forum: Personal Investments
Topic: anyone buying rental property or real estate?
Replies: 12
Views: 2713

I always encourage others to check out this group if you wish to own rentals. My local Jax. chapter is great for networking, learning, etc... They seem to have chapters all across the country and you can easily learn all you need to know when dealing with your local & state laws. http://www.national...
by scuttlebuttrp
Thu Sep 30, 2010 7:49 am
Forum: Personal Investments
Topic: Selling Silver Coins--How to Get the Best Deal?
Replies: 7
Views: 1928

That junk silver is still silver. Any dealer will give you very close to the current spot price. As for the better stuff, check out Yeomans Red Book from your local library. It will give you a clue to an approximate value, or look up your coins on Ebay and see what similar coins are selling for. The...
by scuttlebuttrp
Thu Sep 30, 2010 7:26 am
Forum: Personal Consumer Issues
Topic: New Gold ATMs
Replies: 20
Views: 2449

How many minutes after one of these are installed, do you think it will take someone to drive their truck through the front of the store to steal one?
by scuttlebuttrp
Sat Sep 25, 2010 8:25 pm
Forum: Personal Consumer Issues
Topic: Looking for good whole grain wheat bread
Replies: 63
Views: 9586

Another vote for Sara Lee.
by scuttlebuttrp
Thu Sep 23, 2010 9:02 am
Forum: Forum Issues and Administration
Topic: Has anyone ever gotten banned>?
Replies: 55
Views: 10983

Alex said: last time I checked only 3% of active posters have ever been given even a single warning I'm a 3% er. :) Got warned right off the bat for putting my company name in my sig which for me is a habit but apparently against the rules. Took it out right away though. Guess I'm not mean enough to...
by scuttlebuttrp
Thu Sep 23, 2010 8:44 am
Forum: Personal Consumer Issues
Topic: On Bill Collectors
Replies: 29
Views: 3603

Sorry to here about your problem MM. It sounds like you have a good plan to handle it. The fact is though, collectors are scum. Your original debtor sold your debt off for pennies on the dollar and now the collector is trying to get the full amount. The only people deserving of the full amount was t...
by scuttlebuttrp
Thu Sep 23, 2010 8:14 am
Forum: Investing - Theory, News & General
Topic: Is the Recession Over for You?
Replies: 60
Views: 8265

I do construction here in Florida so no the "Great Depression part2" which started in '06 is still getting worse. My phone does not ring at all. Noone's phone I know is ringing. Which means noone is spending money, meaning people are still holding back from spending. This depression will end when pe...
by scuttlebuttrp
Sat Sep 18, 2010 8:09 am
Forum: Personal Finance (Not Investing)
Topic: 500% bullion return in 48 hours! :)
Replies: 19
Views: 2869

500% bullion return in 48 hours! :)

Cashed a check from a customer at their credit union the other day. Asked the teller if she had any $2 bills? nope. Well then how about some .50 cent pieces? She gave me 4 of them and I tossed them in my pocket without looking. But being a former coin collector I had to check the dates before using ...
by scuttlebuttrp
Fri Sep 17, 2010 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Friend in Dire Financial Straits
Replies: 7
Views: 2124

a local coin dealer will probably buy it as well.
by scuttlebuttrp
Wed Jul 28, 2010 8:37 pm
Forum: Forum Issues and Administration
Topic: @bogleheads on Twitter
Replies: 4
Views: 1361

Don't Twitter. Big Brother is watching. :shock:
http://blogs.villagevoice.com/runninsca ... ter_ar.php
by scuttlebuttrp
Sat Jul 24, 2010 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Hardwood flooring - lumber liquidators
Replies: 17
Views: 6826

Lumber Liquidators reveiw: http://www.hardwoodinstaller.com/hardwoodinstaller/hardwood-floors-lumber-liquidators.htm I've only known one person to buy wood from them. First time was great buying Australian Cypress. Second time wood was severely overdried and was cracking within 3 days. LL basically ...
by scuttlebuttrp
Thu Jun 24, 2010 5:31 am
Forum: Personal Finance (Not Investing)
Topic: Buying Land In Advance Of Home
Replies: 4
Views: 1116

Florida caps yearly property tax increases @ 3%. This is for the place you live. Not places you own. I beleive that what you own is capped @10% but I'm not completely sure on that one. Primary residence is also where you live. If you rent it to someone else, it's not your primary. Consult an attorne...
by scuttlebuttrp
Sat Jun 19, 2010 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: FL residents Anyone have Citizens for home insurance?
Replies: 19
Views: 2630

I am looking for quotes on new policies. I have recieved one from Tower Hill, anyone know them? Thanks Have a policy from Tower Hill. This is the first and only policy I've ever had and have never made a claim; so the only thing I can say about them is they've never given me and my wife a hard time...
by scuttlebuttrp
Sat Jun 12, 2010 7:34 am
Forum: Personal Consumer Issues
Topic: Surf Fishing
Replies: 12
Views: 2187

Talk to the locals.
Check the local news. They sometimes have "Outdoor" reporters and do news segments about the "Fishing forecast".
Any fishing place advertising in that area your going? See if they can answer a few questions over the phone.
by scuttlebuttrp
Tue Jun 08, 2010 6:44 pm
Forum: Personal Consumer Issues
Topic: Adopting a Dog - Rescue Shelter
Replies: 27
Views: 3832

Just wanted to empathize; please spay and neuter. You wouldn't beleive how many strays get dropped in my neighborhood because it looks like it's in the country. They don't end up running happily through some meadow. They come down my driveway, sick and half starved if they don't get hit by a car fir...
by scuttlebuttrp
Sun May 30, 2010 7:39 am
Forum: Personal Investments
Topic: 401K help anyone?
Replies: 11
Views: 1757

o.k. I did some more reading. The fixed interest option is an annuity. Footnote under plan benefits says: Policy form GFUA-398 or GFA-504, a fixed annuity issued and guarenteed by the Variable Annuity Life Insurance Company, Houston, Texas. So we'll skip that one. Found out my tax bracket. It's 15% ...
by scuttlebuttrp
Thu May 27, 2010 4:05 pm
Forum: Personal Investments
Topic: 401K help anyone?
Replies: 11
Views: 1757

Hopefully I'm clearer now? Maybe? :)
by scuttlebuttrp
Wed May 26, 2010 5:07 pm
Forum: Personal Investments
Topic: 401K help anyone?
Replies: 11
Views: 1757

401K help anyone?

Posted the following in my original thread about 401K's but it got missed :D Maybe because the date was from 2008? Anyways; if anyone could offer a suggestion, I'd appreciate the help. I updated the personal stuff as asked by retired. Hopefully I got it right this time and my wife is wrong and I'm n...
by scuttlebuttrp
Tue May 25, 2010 9:57 am
Forum: Personal Investments
Topic: 401k decision/ retirement plan
Replies: 11
Views: 2071

back for more help. I took Laura's advice and had my wife do the company match of 4% of her check and put the long term evil plans on the back burner until the debt is gone. Went 100% in the Spartan fund. Then in June they added VIPSX.YEAH! A bond fund with a .2 ER. So we went 70-30; but I made a mi...
by scuttlebuttrp
Thu May 20, 2010 7:19 pm
Forum: Personal Consumer Issues
Topic: New Tires. Rotation query.
Replies: 40
Views: 8127

Same pattern you do as reccomended by a Haynes manual. Every 6000 miles.
by scuttlebuttrp
Thu May 20, 2010 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Debating purchase of Cement Patio Slab - need advice
Replies: 14
Views: 2552

$900 sounds very cheap for that much concrete. What kind of reinforcement are they using? Are they tying into any other slabs? Finish? Soil needs to be compacted? Any other finish surface going on top? Slope away from house? Drainage layer necessary? Whenever any non construction person is deciding ...
by scuttlebuttrp
Sat May 15, 2010 9:28 pm
Forum: Personal Consumer Issues
Topic: Granite vs. Quartz Countertops (& Full or over existing)
Replies: 28
Views: 9460

Oh, there is granite out now that doesn't require sealing. Granite is a natural stone. If it's sold as not needing to be sealed, then it's probably presealed. All sealers will wear out though and it's recomended that even for granite, you should do periodic sealing as maintanance. Granite can be se...
by scuttlebuttrp
Fri May 14, 2010 8:36 pm
Forum: Personal Consumer Issues
Topic: Granite vs. Quartz Countertops (& Full or over existing)
Replies: 28
Views: 9460

Granite simply because I've always liked it.

If you can look at the slab beforehand. Then you'll see all the patterns and colors that will be in your counter. Someplaces will actually allow you to pick a slab if they have them on hand.
by scuttlebuttrp
Thu May 13, 2010 7:31 am
Forum: Personal Consumer Issues
Topic: very cheep booze
Replies: 19
Views: 3412

I would be afraid of going blind or something if I made my own :) The going blind from moonshine thing was because of stupidity or dishonesty. Occasionally moonshine is mixed with flavoring agents or compounds intended to increase the apparent alcohol content, such as methanol. Sometimes, whether i...
by scuttlebuttrp
Tue May 11, 2010 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Buying a home in TX. Seller won't give up mineral rights...
Replies: 30
Views: 9312

Tell him to give up the mineral rights or he can keep his house. If he keeps them and oil is found in your neighborhood later, he can sell them and reap a fortune and you'll be looking at a rig in your front yard and there will be nothing you can do about it. This means that the owner of the mineral...
by scuttlebuttrp
Tue May 04, 2010 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: business accounts
Replies: 3
Views: 829

I use BOA. Not as bad as they used to be.
Check out your local credit unions too though. Some will pay interest on your accounts.