Search found 191 matches

by zimmer0
Wed Jun 13, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Skilled trade career advice
Replies: 18
Views: 1675

Re: Skilled trade career advice

Electrician or welding would be my top choices.
by zimmer0
Thu Jun 07, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: good place to buy window curtains
Replies: 9
Views: 935

Re: good place to buy window curtains

We have been buying curtains from Bed Bath and Beyond in the past, but found there is no much quality and they are expensive. Bought a few at Tuesday Morning few years ago and found the quality to be good. But near by store closed recently so did not get a chance to check how it is recently. We wou...
by zimmer0
Wed Apr 25, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Cost of ownership for midsize SUV/wagon
Replies: 27
Views: 2373

Re: Cost of ownership for midsize SUV/wagon

Your only option here is a Jeep GC SRT8 or TrackHawk :twisted:
by zimmer0
Wed Apr 18, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive house... does this make sense?
Replies: 24
Views: 2810

Re: Expensive house... does this make sense?

54% of take home pay to PITI :shock: ballsy move without guarantee of tenant income. I'm all for having a home in a desirable location as it is what will make or break your "investment" but certainly you could find something that isn't such a stretch on a monthly basis. Is this something you'll grow...
by zimmer0
Mon Apr 09, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: How would you rotate these tires?
Replies: 20
Views: 1910

Re: How would you rotate these tires?

Front wheel drive. Have tires with identical size (i.e., mileage/age) on the front wheels. Don’t rotate until you replace all four tires. Risk tranny damage with unequal tires on the fronts. As far as tire size , yes. Tread depth will doubtfully cause damage due to difference being minuscule. like ...
by zimmer0
Tue Mar 27, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 4882

Re: House Purchase - Sanity Check On Financials

Lived in Dallas for most of my life. No way on earth I'd spend 3/4 of a million or more to be that far out in the burbs. You're still talking about an hour or more (with traffic) to even get into Dallas. You obviously know that the housing market has gone off the rails, now is about the worst time ...
by zimmer0
Thu Mar 22, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: Your favorite Florida beach??
Replies: 52
Views: 5448

Re: Your favorite Florida beach??

Perdido Key is a nice area as well to take advantage of the Gulf Shores/Florabama area. Beaches arent Destin quality but less congested and a nice compromise.
by zimmer0
Mon Mar 12, 2018 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Took recommended W4 allowance - Still owe?
Replies: 4
Views: 844

Took recommended W4 allowance - Still owe?

Married Filing Jointly Income after deductions: $118k Allowances: 2 on higher income, 0 on lower income No real estate or other deductions available this year. TX Resident Using standard deduction this year($12700) HR Block shows i owe $3800+ this year after inputting all information online. Everywh...
by zimmer0
Tue Mar 06, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Re-touching dark plastics inside car
Replies: 8
Views: 846

Re: Re-touching dark plastics inside car

i used an aersol from here with good results
https://www.semproducts.com/

Was able to paint/dye a center console that wasn't originally my factory color to match. Better to remove the pieces from the vehicle and spray multiple layers of course.
by zimmer0
Sat Feb 10, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: How does it make sense to buy a condo/house in Texas?
Replies: 97
Views: 7992

Re: Why would people buy condos/SFH in Texas?

Well, Texas is a big state, and you seem to be using a single hypothetical example and trying to draw a sweeping conclusion from it. I own a SFH in an upper middle class suburb of Dallas. Our property tax rate is 2.08%. Our HOA fee is $360 a year. There are very few rentals available in this highly...
by zimmer0
Wed Dec 20, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Any last minute shopping ideas for a spouse?
Replies: 22
Views: 2512

Re: Any last minute shopping ideas for a spouse?

Bought the wife the Cricut (similar to Silhouette) vinyl cutter/crafting machine. She's already making money using it selling monogrammed items to her friends. Win Win! :beer :moneybag
by zimmer0
Mon Dec 18, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: Lunch Ideas
Replies: 44
Views: 4994

Re: Lunch Ideas

X2 on crockpot or volumous meals (i.e. Pastas, tacos, burgers, callico beans)
Its always leftovers from night before, no leftovers = sandwich. Average eating out 1-2x month for those days i dont have either of the above or in between grocery hauls.
by zimmer0
Tue Nov 21, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: FIOS contract up - Price Increase
Replies: 18
Views: 3269

Re: FIOS contract up - Price Increase

A simple name change may not qualify as a "new customer" as the service is being billed to the same address. Any no contract options in your area? Spectrum? Internet/Cable prices are becoming outrageous nowadays, so to keep them manageable there may not be another option other than to swtich provide...
by zimmer0
Thu Nov 09, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Should I bail on AT&T and Directv?
Replies: 25
Views: 2553

Re: Should I bail on AT&T and Directv?

fellow North TX member checking in....curious about your experience with Spectrum internet. Currently with Frontier for TV+Internet but looking to drop to a Internet only plan as we will be cutting cord soon. Certainly you can renegotiate a plan with ATT? If ipad use is limited to home and public ar...
by zimmer0
Thu Nov 09, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: What is the difference between retiring and resigning from a job?
Replies: 42
Views: 8594

Re: What is the difference between retiring and resigning from a job?

what you just described would imply retirement IMO.

Resigning implies you are dissatisfied with the work and you are taking your talent/knoweldge/expertise elsewhere....atleast how i would take it as a manager.
by zimmer0
Wed Oct 04, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 4316

Re: Simple Notebook/laptop

simple internet browsing, email, youtube playback, no CD-ROM requirement...tough to beat a Google Chromebook IMO
by zimmer0
Tue Aug 15, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Spending help: Best use for $800 per month ?
Replies: 18
Views: 2182

Re: Spending help: Best use for $800 per month ?

i would suggest doing what makes your wife happy. Not knowing the details of day care, is it a month to month? 6mo? 1yr? Try each option as the costs are equal.
by zimmer0
Mon Jun 26, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Moving Expenses:
Replies: 3
Views: 493

Re: Moving Expenses:

Used United Van Lines in 2016 for a 400mi move. All inclusive move (pack, load, unload). We only filled maybe 3/4 of a 18wheeler trailer and it ran about $4000-4500. This was an employer sponsored move so no help on the deductions.
by zimmer0
Wed Jun 07, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Tired of dealing with incompetent repairmen
Replies: 6
Views: 1525

Re: Tired of dealing with incompetent repairmen

You get what you pay for :sharebeer
by zimmer0
Mon Jun 05, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 10307

Re: Pimp my DW's ride.

If you do go for a matte paint job instead of a wrap be sure you are paying a lot for it and to a really nice shop. Matte shows defects worse than just about any other kind of paint. I can't tell you how many crappy matte paint jobs i've seen rolling around. Additionally there are different cleanin...
by zimmer0
Mon Jun 05, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 10307

Re: Pimp my DW's ride.

Maserati for sure...wrap it and apply a ceramic coating, although you may want to check on the protections the wrap already provides. Im no expert but i'd assume theres some UV protection of some sort, could be wrong. Simple hand wash will be fine. I believe you care for it just like any other paint...
by zimmer0
Wed May 31, 2017 9:02 am
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 8426

Re: Does anyone treat taxable as a "someday fund"?

The Wizard wrote:
zimmer0 wrote:How soon is too soon to start a taxable account if you are aiming for FIRE?
Max two Roth's but not 401k yet.
General rule seems to be: max your tax sheltered accounts first...
Figured this to be the suggestion...however, prior to age 59.5 where does typical FIRE funding stem from?
by zimmer0
Wed May 31, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 8426

Re: Does anyone treat taxable as a "someday fund"?

How soon is too soon to start a taxable account if you are aiming for FIRE?
Max two Roth's but not 401k yet.
by zimmer0
Tue Feb 21, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Finance question
Replies: 8
Views: 976

Re: Auto Finance question

subbed for further input on lightstream. Have cash to pay outright but would rather have cash on hand.
by zimmer0
Thu Jan 26, 2017 12:05 pm
Forum: Investing - Theory, News & General
Topic: Any opinions on VDIGX vs VIG? (Vanguard Div Growth vs Div Apprec)
Replies: 12
Views: 2768

Re: Any opinions on VDIGX vs VIG? (Vanguard Div Growth vs Div Apprec)

With an expense ratio of .33, is VDIGX outperforming other funds of a similar type (or general market index funds for that matter) enough to make it worth holding onto? 17.3% from last year so suppose if you have it (I do), you can't complain too much :) PS, I believe they closed this fund to new i...
by zimmer0
Sun Jan 15, 2017 7:44 pm
Forum: Personal Consumer Issues
Topic: Where to get HID (Xenon) kit?
Replies: 20
Views: 1860

Re: Where to get HID (Xenon) kit?

Placing a plug and play HID kit into your stock halogen housing is not the correct solution especially when accounting for other drivers safety. Yes the HID kit will produce more light for you but will cause ungodly amounts of glare for oncoming traffic due to the design of the halogen housing. A hi...
by zimmer0
Sun Dec 11, 2016 6:20 pm
Forum: Personal Consumer Issues
Topic: Looking for a Mattress
Replies: 37
Views: 4972

Re: Looking for a Mattress

Just bought a clearance serta hybrid style, normally $3400, for $1040 from Sleep Experts. Few steps above our traditional inner spring Serta we've been sleeping on.
I have a feeling youll have a tough time getting away from tempurpedic after sleeping on it for so long.
by zimmer0
Thu Dec 01, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 57
Views: 9062

Re: Buy iPhone 7 or Wait for iPhone 8

Im personally waiting for iPhone 10 to come out :wink:
by zimmer0
Tue Nov 01, 2016 10:26 pm
Forum: Personal Consumer Issues
Topic: Dealer/Manufacturer Financing
Replies: 2
Views: 567

Re: Dealer/Manufacturer Financing

Phone call? :oops:
Tv commercials, newspaper ads, website.

Your rate will be dependnt on your credit score and a few other factors
by zimmer0
Thu Oct 20, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: marcellus mineral rights
Replies: 15
Views: 1761

Re: marcellus mineral rights

If he is recieving a monthly check from a well on his property it is a royalty not a dividend. With that being said as a Geologist in the Energy industry trying to value land is a great question in our field. USUALLY if the company is fair it will offer a validation of 5 to 6 times the cash flow of...
by zimmer0
Wed Oct 19, 2016 10:27 am
Forum: Investing - Help with Personal Investments
Topic: New military officer. $50,000 yearly salary with no debt, no dependents, and $500 a month overhead. Thoughts?
Replies: 15
Views: 3155

Re: New military officer. $50,000 yearly salary with no debt, no dependents, and $500 a month overhead. Thoughts?

Thank you for your service.
Received some great advice above so no need to echo.
My brother is currently in Pensacola as well, you may/may not know him, would be easy to figure out utilizing my username.
by zimmer0
Tue Oct 18, 2016 4:39 pm
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 8984

Re: Cell phone service abroad

Use the app Viber.
Free calls, text, etc.

/thread
by zimmer0
Fri Sep 23, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Cancun, Grand Cayman or Other Caribbean Islands
Replies: 28
Views: 3637

Re: Cancun, Grand Cayman or Other Caribbean Islands

Wife looking to go to warm beach this January. We have a 3-year old and a baby, so we will likely be stuck in the hotel or nearby area. Looking for a direct flight out of Philly PA or Newark NJ. Where do you suggest we can go? Is Cancun a safe area? Since we won't be going diving or snorkeling, is ...
by zimmer0
Thu Sep 15, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 15182

Re: Favorite Coffee

Community Coffee - Cafe Special
CC - Breakfast Blend
by zimmer0
Thu Aug 25, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Should I replace my Samsung Galaxy S4?
Replies: 43
Views: 4837

Re: Should I replace my Samsung Galaxy S4?

I would consider looking at the a number of android blog style sites. AndroidPolice, AndroidCentral, DroidLife. They do unbias reviews of other phones besides flagships that are $100's cheaper than the Galaxy Line and other mainstream phones. Want to say the Moto G is one of the best bang for your b...
by zimmer0
Mon Aug 15, 2016 11:01 am
Forum: Personal Consumer Issues
Topic: ITunes app for kids gadget time limits
Replies: 9
Views: 929

Re: ITunes app for kids gadget time limits

no app needed, take the devices away...kick them outside. :sharebeer
by zimmer0
Tue Aug 09, 2016 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Best place to get loan for Truck?
Replies: 9
Views: 1019

Re: Best place to get loan for Truck?

Utilize dealer financing to get the additional $750 off the purchase then immediately refinance through your local credit union or insurance provider. State Farm gave me 2.34% and that was back in '13
by zimmer0
Wed Jul 27, 2016 3:59 pm
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 47
Views: 5906

Re: Comcast - lease modem/router or buy?

To piggyback off this thread. Currently have Frontier (Verizon Fios), anyone have a compatible modem that works with their cable box and wifi.

I was told my old cable style modem (arris 6182) and Netgear wifi router was no good with their service.
by zimmer0
Tue Jul 26, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: HELP - After Market Rims?
Replies: 14
Views: 1371

Re: HELP - After Market Rims?

non-BH when it comes to personal vehicles checking in...

i think those wheels would actually look good on the car you're considering. I'd drop the ride height 1-2" with a set of performance coilovers/springs so it hugs the tire a little better. :beer
by zimmer0
Mon Jul 18, 2016 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Term Life
Replies: 14
Views: 1705

Re: State Farm Term Life

I'm considering bundling my term life insurance with my renters and auto insurance via state farm. They have a typical term life policy but also a return of premium term life policy. The literature/selling point i was given is the return of premium policy would require a 6.xx% guaranteed return els...
by zimmer0
Mon Jul 18, 2016 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Term Life
Replies: 14
Views: 1705

State Farm Term Life

I'm considering bundling my term life insurance with my renters and auto insurance via state farm. They have a typical term life policy but also a return of premium term life policy. The literature/selling point i was given is the return of premium policy would require a 6.xx% guaranteed return else...
by zimmer0
Wed Jul 13, 2016 7:50 am
Forum: Personal Finance (Not Investing)
Topic: I am doing this! First time Home Buyer. How do you choose an Attorney?
Replies: 16
Views: 1840

Re: I am doing this! First time Home Buyer. How do you choose an Attorney?

I have bought three homes and never "hired" an attorney. State laws can vary, but in MD you choose a title company (who has attorneys), and work with them. You get to pick the title company and can shop around. M. This :sharebeer and ditto to asking family/friends. I received a discount for their s...
by zimmer0
Mon Jul 11, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Selling A Car that Needs A Paint Job
Replies: 13
Views: 2460

Re: Selling A Car that Needs A Paint Job

Plastidip it. Get it done professionally (out of a gun) and it can look great. Roughly $800, maybe cheaper depending on color and finish
by zimmer0
Wed Jun 22, 2016 8:50 am
Forum: Investing - Theory, News & General
Topic: Ponze Scheme Involving Athletes.
Replies: 4
Views: 883

Re: Ponze Scheme Involving Athletes.

they should take advice from marshawn lynch :moneybag :moneybag
by zimmer0
Fri Jun 17, 2016 3:32 pm
Forum: Personal Consumer Issues
Topic: Comcast vs FiOS vs Sling TV
Replies: 19
Views: 10223

Re: Comcast vs FiOS vs Sling TV

I don't have TV or phone services. I'm looking into getting TV service but the cost doesn't seem to justify it... Then why not stay away from it? Seriously - if you are able to live without it happily today why get started! Unfortunately my family is too used to having it for me to be able to cut t...
by zimmer0
Tue Jun 14, 2016 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Selling to rent, where to put cash?
Replies: 17
Views: 3066

Re: Selling to rent, where to put cash?

A potential tax implication has been brought up to me. Beings i owned my home for less than a year and ill be selling at a profit....is there tax implications if i do not utilize my profits in a certain time period for another home purchase? Will i need to pay taxes on this regardless? Yes, you wil...
by zimmer0
Mon Jun 13, 2016 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Selling to rent, where to put cash?
Replies: 17
Views: 3066

Re: Selling to rent, where to put cash?

Put me down as being in the same boat. Not nearly the amounts you guys are profiting but a nice return (+58k) for only owning our home for less than a year. We are moving to for a job transfer that will carry a 2yr contract at the least. I was planning on saving the proceeds in discover bank for a ...
by zimmer0
Wed Jun 08, 2016 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Selling to rent, where to put cash?
Replies: 17
Views: 3066

Re: Selling to rent, where to put cash?

Put me down as being in the same boat. Not nearly the amounts you guys are profiting but a nice return (+58k) for only owning our home for less than a year. We are moving to for a job transfer that will carry a 2yr contract at the least. I was planning on saving the proceeds in discover bank for a f...
by zimmer0
Mon Jun 06, 2016 10:09 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Dallas BBQ/TexMex Restaurants
Replies: 51
Views: 3944

Re: Recommendations for Dallas BBQ/TexMex Restaurants

Subscribed.
Just moved tomthe DFW area so appreciate the suggestions.
Ive tried Anamia's (spicy guac made at your table) in Coppell and Cristinas in Lewisville, both had plus and minuses but overall quite good.