Search found 1000 matches

by ddurrett896
Thu May 16, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Crawl space encapsulation
Replies: 36
Views: 2683

Re: Crawl space encapsulation

Thanks all for the responses. Some very helpful info here. I live in North Carolina so humidity is a factor here. I live in southern VA and feel your pain with humidity. House is 46 years old, with no vapor barrier and bone dry. Termite company that inspects each year sells vapor barrier install an...
by ddurrett896
Thu May 16, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Logistics of splitting tuition costs with child
Replies: 77
Views: 3384

Re: Logistics of splitting tuition costs with child

Doc7 wrote:
Thu May 16, 2019 4:11 am
What is the logistical way of someone "paying for 75% of college costs"?
Pay 100% of the college, then have your child pay you back the 25%.
by ddurrett896
Tue May 14, 2019 10:36 am
Forum: Personal Investments
Topic: Email to my Edward Jones Rep
Replies: 46
Views: 4189

Re: Email to my Edward Jones Rep

"His Name", the potential sale of my business continues to progress. I am performing due diligence concerning how to handle a lump sum portfolio investment of approximately "low 7 figures". I am not interested in looking at past performance of funds and I will use load costs and expense ratio costs...
by ddurrett896
Tue May 14, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Mosquito control in Central Va
Replies: 22
Views: 1546

Re: Mosquito control in Central Va

Talstar Pro
by ddurrett896
Tue May 14, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Worth Fighting a Speeding Ticket?
Replies: 64
Views: 4164

Re: Worth Fighting a Speeding Ticket?

BJJ nerd wrote:
Tue May 14, 2019 8:26 am
Thanks all. To be clear, I don't have a problem paying the court / citation fees. Was exploring the lawyer option to minimize impact on my insurance.
One speeding ticket shouldn't have an impact on your insurance.

You got a break. Be thankful, pay it and move on...slower!
by ddurrett896
Mon May 13, 2019 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Careers in art
Replies: 91
Views: 4651

Re: Careers in art

Supply and demand.

There is a low demand for art degrees. Major in something else, get a minor in art if you want to follow a passion but don’t bet on it.
by ddurrett896
Sun May 05, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 10847

Re: Rarely used items that are worth having?

It says not to be used for street legal fuels. Why would you recommend using these for gas? Because they are thicker, stronger and have vents unlike the government approved plastic cans you find in stores today. The only reason they say "not for street legal fuel" is because they don't have an auto...
by ddurrett896
Sun May 05, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 10847

Re: Rarely used items that are worth having?

Enough extra gas to completely fill the tank on your most efficient vehicle at least once. In evacuations roads are LITTERED with cars that run out of gas because of traffic, you will NOT have access to gas stations to refuel. Problem with storing gas is it is flammable and perishable (only lasts a...
by ddurrett896
Sun May 05, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 10847

Re: Rarely used items that are worth having?

Having never needed to use one, what size fire would be one be able to tackle with a household size fire extinguisher? Given my lack of experience in fighting fires, I'm probably better off picking up a phone and calling the fire company before things get any more out of control! I keep a 10lb in t...
by ddurrett896
Sun May 05, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 10847

Re: Rarely used items that are worth having?

I bought the Champion Dual Fuel generator 8400 watts from Costco a few years ago, it's calibrated to be safe to use with electronics. Some of the other generators including the one sold on Amazon may not have that same calibration. How did you calibrate it? I think it has built in surge protection....
by ddurrett896
Sat May 04, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 10847

Re: Rarely used items that are worth having?

Come along
Farm jack
by ddurrett896
Sat May 04, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 10847

Re: Rarely used items that are worth having?

Grt2bOutdoors wrote:
Fri May 03, 2019 7:46 pm

I bought the Champion Dual Fuel generator 8400 watts from Costco a few years ago, it's calibrated to be safe to use with electronics. Some of the other generators including the one sold on Amazon may not have that same calibration.
How did you calibrate it?
by ddurrett896
Sat May 04, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Realistic Comp Increase with Doubling Job Responsibilities
Replies: 37
Views: 2255

Re: Realistic Comp Increase with Doubling Job Responsibilities

60-80 hours/week?

I’d negotiate increased vacation time in addition to $$.
by ddurrett896
Fri May 03, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Giving two week's notice before stock options vest
Replies: 91
Views: 5483

Re: Giving two week's notice before stock options vest

2 day notice.

Tell your current company you tried to negotiate a 2 week start date but they wouldn't budge.
by ddurrett896
Wed May 01, 2019 6:59 am
Forum: Personal Finance (Not Investing)
Topic: save on interest by paying down mortgage principal
Replies: 68
Views: 5995

Re: save on interest by paying down mortgage principal

Do you ever check Zillow or another site and see your neighbor paid for example $60,000 for a house 30 years ago that is worth $260,000 today - then say man I could pay that off in 2 years if I got mine for $60,000? The closest way to get to that is to stretch the payment for a long as possible. I a...
by ddurrett896
Sat Apr 27, 2019 5:54 am
Forum: Personal Consumer Issues
Topic: Water heaters/ energy consumption, high electric bill
Replies: 34
Views: 1716

Re: Water heaters/ energy consumption, high electric bill

We have no duct work, heat by space heaters. If you use heat often, this is a major drain. Add mini splits. My neighbor just did a 5 room addition and added 1 outdoor unit with a head in each room and his power bill didn't significantly change. Looking for ways to save on electricity, heat and wate...
by ddurrett896
Sat Apr 27, 2019 5:44 am
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 27274

Re: 20 countries where 200K in retirement savings will last you decades

The world is a beautiful place, however whenever I vacation out of country, as soon as I land on US soil I take a deep breath and thank God I live here.

I'd rather eat dog food in retirement while living in the US vs living like a king in one of those other countries.
by ddurrett896
Sat Apr 27, 2019 5:37 am
Forum: Personal Consumer Issues
Topic: How to fix foundation damaged by neighbor's car
Replies: 23
Views: 2426

Re: How to fix foundation damaged by neighbor's car

That's a small section. Functioning at 100% you are ok, but anything compromised on that corner (like this hit) and things can go down hill fast. If I caused the damage, I would have a structural engineer look at it. If someone else caused the damage I would fix it regardless of what the SE says. Ad...
by ddurrett896
Thu Apr 25, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 71
Views: 4130

Re: How to clean a garage?

Everything you listed are kind of essentials. The scarp wood maybe not, but that can store flat and tight - out of the way.

My biggest thing it organization. Spend some $$ on garage cabinets and get everything organized and away.
by ddurrett896
Wed Apr 24, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Car/Truck/SUV??
Replies: 25
Views: 1787

Re: Car/Truck/SUV??

Buy a nice 6.5x10 utility trailer.

- larger than truck bed
- hold more than truck bed
- easier to load for a few days then dump
by ddurrett896
Wed Apr 24, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 4755

Re: How far would you commute?

Depends on how the severance is and how long until it starts (to look for a new job).

I’d ask to work from home and give them an extra 2 hours of work everyday.
by ddurrett896
Mon Apr 22, 2019 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to Get Customers for New, Small Catering Business
Replies: 10
Views: 600

Re: How to Get Customers for New, Small Catering Business

Business is her best bet. Some I’ve attended with what seems like an unlimited budget.
by ddurrett896
Mon Apr 22, 2019 7:31 am
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4062

Re: Tips for getting the most out of your cruise?

We like Carnival. If you drink alcohol at all, check out the all you can drink packages. We like them because you can guilt free try new drinks. If you don't like, toss it and it doesn't feel as bad. Also includes non alcoholic beverages. Gourmet coffee in the morning, plus bottled water/sports drin...
by ddurrett896
Sun Apr 21, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Delayed gratification.
Replies: 55
Views: 6078

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: 7938

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: 145
Views: 12003

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: 9982

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: 1366

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: 5125

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: 2613

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: 18836

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: 18836

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: 18836

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: 2419

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: 2337

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: 2682

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: 4348

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: 2589

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: 2589

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: 4049

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: 4882

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: 919

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: 4222

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: 1930

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: 4222

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: 4700

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: 1082

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: 2829

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: 6340

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: 1283

Need Foreign Currency

How are fellow Boglehead getting foreign currency? Traveling to Costa Rica in a few months.