Search found 977 matches

by ddurrett896
Sun Apr 21, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Delayed gratification.
Replies: 44
Views: 4171

Re: Delayed gratification.

Paying off $300,000 of debt is gratifying!
by ddurrett896
Wed Apr 17, 2019 11:40 am
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 7767

Re: I’m a Loser Stuck in a Dead End Job

You've got... 1) Job 2) $150k in the bank 3) Family you deeply care about, so I'm going to assume the love you a lot Job, cash, good relationship with family....what more could one want? You're far from a loser. Don't get caught up in the rat race and compare your life with others, then say your a l...
by ddurrett896
Wed Apr 17, 2019 8:02 am
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 100
Views: 5379

Re: What Are Your Simple Pleasures?

Double shower in Master Bathroom.

It's the on only time where its just us...no kids, no phone, no email.
by ddurrett896
Mon Apr 15, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9672

Re: seriously thinking about leaving S. CA but where to?

Virginia Beach, VA. Edgar Casey approves!
by ddurrett896
Tue Apr 09, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Would you do this renovation?
Replies: 23
Views: 1321

Re: Would you do this renovation?

100% do it if you have no plans to move.
by ddurrett896
Mon Apr 08, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: Solution for a thick wallet
Replies: 58
Views: 4919

Re: Solution for a thick wallet

I carry 12ish cards together, with a hair tie wrapped around it. Cash in a money clip and I only carry that if I'm going to a bar.
by ddurrett896
Sat Apr 06, 2019 6:33 am
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 2511

Re: Drill & driver combo kit comparison

Milwaukee M12 are solid and relatively small. Great in tight spots or working overhead. M18 are larger, more powerful but most won't need the difference. Larger batteries, but heavier. I had M12 and sold everything for M18. My recommendation would be to look at the complete tool line and see what yo...
by ddurrett896
Fri Apr 05, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18337

Re: Talk me in/out of $35k Tesla Model 3

I'm getting pretty tired of debating people like you who aren't informed on these topics and yet hold absurdly strong beliefs. I follow Warren Buffet who said, "on wind energy, we get a tax credit if we build a lot of wind farms. That's the only reason to build them. They don't make sense without t...
by ddurrett896
Fri Apr 05, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18337

Re: Talk me in/out of $35k Tesla Model 3

I'm getting pretty tired of debating people like you who aren't informed on these topics and yet hold absurdly strong beliefs. I follow Warren Buffet who said, "on wind energy, we get a tax credit if we build a lot of wind farms. That's the only reason to build them. They don't make sense without t...
by ddurrett896
Fri Apr 05, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18337

Re: Talk me in/out of $35k Tesla Model 3

clutchied wrote:
Fri Apr 05, 2019 1:00 pm
My car and my house run on 100% renewable wind energy.
A single windmill takes like 1,000 tons of material to build. That's lot of excavating, transporting and building by gas powered machines. Add in storage and transmission of the power plus maintenance and it's a loser.
by ddurrett896
Fri Apr 05, 2019 5:24 am
Forum: Personal Consumer Issues
Topic: cost analysis on buying vs. renting skis?
Replies: 28
Views: 2335

Re: cost analysis on buying vs. renting skis?

but so is standing in line waiting to rent/return. This is 100% why I won't rent. Took my child snowboarding for the first time last year. Renting the gear would have been $30. Instead, I bought a used board and 3 sets of boots (to grow into) for $160. Will keep for this child, plus child +2 and se...
by ddurrett896
Wed Apr 03, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: Additional Costs for 3rd Child?
Replies: 74
Views: 2216

Re: Additional Costs for 3rd Child?

3 kids here, no major impact on finances.

As far as shooting for a girl, I would just want a third kid. My wife works in the NICU and had a family with 3 girls try for a fourth, they had triplet girls. Yea 6 kids - all girls.
by ddurrett896
Wed Apr 03, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Is $650 for a Roof Inspection Too Much?
Replies: 37
Views: 2640

Re: Is $650 for a Roof Inspection Too Much?

alfaspider wrote:
Wed Apr 03, 2019 2:52 pm
I'm not sure I understand why the ethnic origin of the worker has any bearing on their ability to properly inspect a roof.
I have the same issue. Inspecting the roof isn’t the issue - it’s communicating the results of the inspection.
by ddurrett896
Wed Apr 03, 2019 6:05 am
Forum: Personal Investments
Topic: Advice for 28
Replies: 20
Views: 3034

Re: Advice for 28

DE11 wrote:
Tue Apr 02, 2019 8:48 pm
am over half way towards saving for next years contribution.
I did this, but turned on monthly automatic contributions for $458 (now $500) per month and never think about it. Suggest doing the same.
by ddurrett896
Tue Apr 02, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Only need 5% down to avoid PMI. Should we put less than 20% down and put balance toward renovations?
Replies: 34
Views: 2558

Re: Only need 5% down to avoid PMI. Should we put less than 20% down and put balance toward renovations?

Todd6060 wrote:
Tue Apr 02, 2019 1:37 pm
I believe the benefits of a larger down payment are lower monthly payments and lower interest costs.
True, but I'd argue that with a mortgage of 3.9%, less inflation, less mortgage interest deduction, the true "rate" is pretty low. I'd maximize the total loan value that keeps me from taking PMI.
by ddurrett896
Tue Apr 02, 2019 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Only need 5% down to avoid PMI. Should we put less than 20% down and put balance toward renovations?
Replies: 34
Views: 2558

Re: Only need 5% down to avoid PMI. Should we put less than 20% down and put balance toward renovations?

can afford the monthly payments either way.[/list] What do ye bogleheads think? Option 1: Put 20% down even though 5% is all that’s required to avoid PMI Option 2: Put 5% down (thus avoiding PMI) and put remaining money toward renovations (anything leftover after renovations can become an extra mor...
by ddurrett896
Tue Apr 02, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Best enhancement for folks who work from home
Replies: 42
Views: 3963

Re: Best enhancement for folks who work from home

njfastlife wrote:
Tue Apr 02, 2019 9:09 am
those that work from home frequently, what field are you in?
Sales
by ddurrett896
Mon Apr 01, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Family flying - picking seats at booking
Replies: 75
Views: 4748

Re: Family flying - picking seats at booking

I just flew Delta with 3 kids and it was like $12/seat to select a seat.
by ddurrett896
Fri Mar 29, 2019 6:25 am
Forum: Personal Consumer Issues
Topic: Cox Retention Department
Replies: 9
Views: 831

Re: Cox Retention Department

The solution is to change the account holder every 2 years. Even the Fios reps Ive talked to in person do this. At the end of the 2 year promo period: Me: hey I’m moving out and want to terminate service on 11/1/19 Wife: hey id like to start service in my name effective 11/1/19 2 years later Wife: h...
by ddurrett896
Thu Mar 28, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Are independent garages cheaper than dealer?
Replies: 58
Views: 4108

Re: Are independent garages cheaper than dealer?

How could it possibly take you 2 hours? And how do you drop the car off and then run errands? Do they give you a loaner? Do you drive 2 cars? 2 hours to purchase, come home and change, go dispose of then come home and shower. I guess I could use Amazon but I limit my Amazon to purchases that are si...
by ddurrett896
Thu Mar 28, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Decent hiking/trekking clothing?
Replies: 50
Views: 1835

Re: Decent hiking/trekking clothing?

LL Bean cloths.
Darn Tough Socks socks.
by ddurrett896
Thu Mar 28, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Are independent garages cheaper than dealer?
Replies: 58
Views: 4108

Re: Are independent garages cheaper than dealer?

If you are a "committed DIYer," then why are you taking your car to the dealer for oil changes? I'll do all maintenance on my vehicle except change oil. By the time I buy oil, change and dispose, I'm maybe 2 hours in and spend $35. The dealer does is for $50 and I drop off while we run errands and ...
by ddurrett896
Thu Mar 28, 2019 9:04 am
Forum: Personal Investments
Topic: Today I turned 30, and I woke up wanting to better my financial future!
Replies: 46
Views: 4345

Re: Today I turned 30, and I woke up wanting to better my financial future!

Our Ally account is literally our savings sitting in HYS account earning 2.20% ($38k) . I guess at this point, I'm a little stumped of what I should do. I know I should contribute $6000 for the max to the IRA for the 2019 year, but I don't know what I should do for our Ally Account. Nice work on ma...
by ddurrett896
Wed Mar 27, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: Potty Training regression with 4 year old
Replies: 28
Views: 1063

Re: Potty Training regression with 4 year old

Could be because of stress with the other baby.

I wouldn't put him back in pullups. Instead, continue with underwear and make them own it. Never scold the child, just encourage him to go on the potty.
by ddurrett896
Tue Mar 26, 2019 5:11 pm
Forum: Personal Consumer Issues
Topic: Screening Buyers of Goods on Craigslist
Replies: 30
Views: 2775

Re: Screening Buyers of Goods on Craigslist

What are ways to "screen" buyers of goods to eliminate the non-serious or potentially problematic buyers? Do you use Facebook? I've gravitated to the Facebook marketplace because I can normally see the person profile pictures and posts plus anyone that has searched for something similar will get no...
by ddurrett896
Tue Mar 26, 2019 5:52 am
Forum: Personal Consumer Issues
Topic: How to Sell a Wyland Painting on My Bathroom Wall?
Replies: 74
Views: 6273

Re: How to Sell a Wyland Painting on My Bathroom Wall?

The lowest risk for damage would be to cut it out with the studs.If the back side of that wall isn’t exterior, you’re good.

I’d cut it out like 6” past the image and build a 2x4 box frame around it then trim it out.
by ddurrett896
Fri Mar 22, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Need Foreign Currency
Replies: 25
Views: 1255

Need Foreign Currency

How are fellow Boglehead getting foreign currency? Traveling to Costa Rica in a few months.
by ddurrett896
Fri Mar 22, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: NYC hotel - safe, clean, not expensive.
Replies: 5
Views: 776

Re: NYC hotel - safe, clean, not expensive.

My wife and I stayed at Yotel when it first opened. Clean, modern, cheap room that was the size of a cruise ship room but worked perfect.
by ddurrett896
Wed Mar 20, 2019 6:40 pm
Forum: Personal Consumer Issues
Topic: Any Excel experts here?
Replies: 8
Views: 1092

Re: Any Excel experts here?

I have a pdf that (so far) I'm not able to convert into a 'workable' format. I can export to text, copy and paste, etc... and I end up with the following, as an example: Property Tax Recovery 506.84 Insurance Recovery 253.20 Utilities Recovery 311.48 Landscaping - Irrigation & Sprinklers 110.00 Lan...
by ddurrett896
Wed Mar 20, 2019 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should we have renters insurance?
Replies: 68
Views: 3338

Re: Should we have renters insurance?

No. Renters insurance is a total waste of money. In my lifetime I have known a lot of renters. Few had renters insurance. Not one of those that had it ever made a claim. I have a friend who paid like $5/month for his renters insurance. Apartment burned to the ground. They paid for everything brand ...
by ddurrett896
Wed Mar 13, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Any credit cards that can beat the Citi doublecash?
Replies: 64
Views: 6308

Re: Any credit cards that can beat the Citi doublecash?

If you spend more than $11,800 per yr, Alliant Visa Signature card might be better than Citi DC. It gives you 2.5% cash back on everything, but comes with a $59 annual fee. Plus, first year no annual fee and you get 3% cash back on everything. https://www.alliantcreditunion.org/bank/visa-signature-...
by ddurrett896
Wed Mar 13, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Side gig ideas with minimal requirements?
Replies: 124
Views: 8975

Re: Side gig ideas with minimal requirements?

Construction. Most trades are in need of reliable people and if you can do basic work or willing to learn (Youtube) you can make a killing. No kidding, I had someone pay me $6,000 to knock down a non-load bearing wall and touch up paint where the walls intersected. Took maybe 4 hours. Buy from gover...
by ddurrett896
Tue Mar 12, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: United Economy class and personal item bringing on plane
Replies: 23
Views: 2105

Re: United Economy class and personal item bringing on plane

Backpack = personal
Duffle = carry on

The beauty of both is that the sides are soft so you can cram and make them work in any of those metal boxes.
by ddurrett896
Tue Mar 12, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Work or stay home for 1 year
Replies: 30
Views: 1987

Re: Work or stay home for 1 year

We are in mid 30s with two little kids in private school. Would you tap into savings (10 months e-fund will be down to 6-7 months after) to cover tuition so one parent can stay home for a year to get a break from the hustle and bustle of working 9-5 and be with little kiddies? No. Hustle and bustle...
by ddurrett896
Mon Mar 11, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: How would you bargain for unique items?
Replies: 23
Views: 1558

Re: How would you bargain for unique items?

I tested Strategy 1 on this wooden sculpture and seller came back with $380, which I think is on the high side. Is it generally better for me to open (to anchor the price lower as a basis for negotiations), or for the seller to open (also with the potential effect of anchoring the price to an upper...
by ddurrett896
Fri Mar 08, 2019 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: When were you able to max out your 401k, IRAs?
Replies: 69
Views: 4844

Re: When were you able to max out your 401k, IRAs?

Maxing out Roth IRA since I stated working.

Maxing out 401K is a different story. At $19,000 + $6,000 Roth, your looking at $25,000. With a saving rate of 20%, you would need to make $125,000. That's a high salary where I live.
by ddurrett896
Fri Mar 08, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Sports team season tickets
Replies: 45
Views: 4055

Re: Sports team season tickets

A few friends of mine are planning to purchase with the goal of at least making our money back and to enjoy a few games ourselves. I wouldn't do it at all to make money. I've got a friend who buys NBA season tickets and while he can sell unused tickets, it's not a huge money maker. Plus, he's told ...
by ddurrett896
Fri Mar 08, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7045

Re: attacked by off-leash dog

-How to protect yourself when attacked by dog? How to minimize the chances of being attacked? I've see too many new articles about kids and adults being permanently disfigured by dogs and owners dogs being killed. If a dog attacked me, my family or my dog, I'd hope a heavy kick would serve as a wan...
by ddurrett896
Tue Mar 05, 2019 8:13 pm
Forum: Personal Investments
Topic: Park college savings in a vacation home?
Replies: 29
Views: 1861

Re: Park college savings in a vacation home?

Why not buy a bigger vacation home with your retirement money?
by ddurrett896
Tue Mar 05, 2019 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a more expensive home? And is it wise?
Replies: 35
Views: 2542

Re: Can we afford a more expensive home? And is it wise?

I wouldn't make the move yet. Have the kids, then make a decision down the road. You could want 2 kids, have 1 then on the second try have triplets and disrupt the new housing situation you thought was perfect and end up moving again. The most I would spend on a house is 1.5-2x our yearly combined g...
by ddurrett896
Thu Feb 28, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: Experience with Apple Pay?
Replies: 71
Views: 6418

Re: Experience with Apple Pay?

Good, but I only use it to transfer money with friends.
by ddurrett896
Thu Feb 28, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 172
Views: 6330

Re: How do YOU make coffee?

lexie2000 wrote:
Thu Feb 28, 2019 4:03 pm

Can someone explain to me the whole K-cups thing. No offense to people who like them (like my sister), but I just don't get it. The coffee doesn't seem to be any better (to me), they are expensive, and isn't there a lot of packaging waste?
Convenience.
by ddurrett896
Thu Feb 28, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 172
Views: 6330

How do YOU make coffee?

Used a $20 cheap coffee pot year ago and transitioned to Kcups. Cost/serving on Kcup is the highest and consumption in my house is increasing. Looking into bulk ground coffee.

What device are you using to make your coffee?
by ddurrett896
Thu Feb 28, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Client From Hell Is Driving Me Insane!
Replies: 60
Views: 7813

Re: Client From Hell Is Driving Me Insane!

This account represents about 10% of my compensation but is taking up about 25% of my time. Might make up 10% of your compensation, but could make a large % of your total companies compensation. I've had similar situations at work where the client starts costing the company money. At that point, ei...
by ddurrett896
Wed Feb 27, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: Things to do in and around San Diego
Replies: 33
Views: 1698

Re: Things to do in and around San Diego

Sea world and belmont Park.
by ddurrett896
Wed Feb 27, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Can solar be worth it??
Replies: 77
Views: 6904

Re: Can solar be worth it??

I actually think the value of my house should go up MORE Than the $40K I paid, since that person is getting a brand new roof, upgraded electric panel and a $4K positive income stream for 15 years and then another $2K positive income stream for at least another 15 years after that, so I am pretty su...