Search found 855 matches

by ddurrett896
Wed Oct 17, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying a brand new Toyota 4Runner TRD
Replies: 11
Views: 1136

Re: Thinking of buying a brand new Toyota 4Runner TRD

Helo80 wrote:
Wed Oct 17, 2018 5:59 pm
TRD Pro for 4Runners are very easy to move and it’s reasonable to expect to pay full MSRP.
Pretty common to pay over MSRP, especially for a desirable color.
by ddurrett896
Mon Oct 15, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: White LED Christmas Lights
Replies: 7
Views: 869

Re: White LED Christmas Lights

I'm looking to replace our outdoor Christmas lights with LED ones. We like the bright white ones. I've found these at Costco but am open to suggestions. I've searched threads but haven't found anything current. I'm actually planning ahead! Thanks! https://www.costco.com/GE-100-Miniature-White-LED-L...
by ddurrett896
Sun Oct 14, 2018 6:33 am
Forum: Investing - Theory, News & General
Topic: Who worries about a bear market in stocks?
Replies: 71
Views: 5649

Re: Who worries about a bear market in stocks?

“In a bear market, money returns to its rightful owner.”

Bring it!
by ddurrett896
Sun Oct 14, 2018 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 5888

Re: Neighbor discussing finances with me

What do you guys think? Frankly I am a bit disgusted that someone is pitching a bond fund as a zero risk product but that's besides the point. If im cool with the neighbor, but not friends (have dinner and vacation together), id let it do. I’d im friends with the neighbor (have dinner and vacation ...
by ddurrett896
Thu Oct 11, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Remodel
Replies: 9
Views: 1147

Re: Paying for Remodel

We definitely want to do this project but spending saved money is hard for me! Open a credit card that's 0% for 18+ months. If approved for less than $40k, max it out and pay cash for the difference. If approved for more than $40k, max it out with no cash down. At the end of the term, pay it all off.
by ddurrett896
Thu Oct 11, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Feeling Guilt among family/peers
Replies: 42
Views: 5154

Re: Feeling Guilt among family/peers

I guess I feel guilty living. Anyone else ever feel this way? How can I overcome this feeling. It’s gotten to the point I feel terrible doing anything anymore. When I step in these forums, I feel behind seeing the results of everyone, but to my family/peers, I’m in outer space. God no! You work har...
by ddurrett896
Wed Oct 10, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4673

Re: Keep a backup hot water heater?

fortfun wrote:
Wed Oct 10, 2018 7:13 pm
I'm so cheap, it would be painful not to squeeze every minute out of them, but you are probably right :)
Im almost afraid to ask what’s your process when replacing tires :confused
by ddurrett896
Wed Oct 10, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4673

Re: Keep a backup hot water heater?

Install it when you buy it.
by ddurrett896
Sat Oct 06, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 75
Views: 8940

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

"We wonder why other countries hate us? I love that! We have a game show in our country called "Survivor." Thats a GAME in our country! ...You can win a million dollars for surviving on a place where people already live! Do you realize what kind of message that sends? Not a good one! To be fair, Su...
by ddurrett896
Fri Oct 05, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 3931

Re: Black suit with dark brown shoes?

I don’t want to bring separate shoes for just a 3 hour dinner. I am comfortable with myself, have a stable job and I am certain no one will care but I wanted to solicit BH’s thoughts on that color combo since this forum has so many good comments and always seem to bring up things I don’t think abou...
by ddurrett896
Fri Oct 05, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Tackling Disney World - Discount on tickets?
Replies: 65
Views: 3675

Re: Tackling Disney World

They interviewed young kids that had been to Disneyland about six months before and by far the thing they remembered the most was ......(drumroll)....the pool at the hotel. To this day, my mother still tells the story of the time we went to Disney when I was younger and the entire time my sister an...
by ddurrett896
Fri Oct 05, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Carry On Luggage Recommendations
Replies: 39
Views: 2155

Re: Carry On Luggage Recommendations

Looking to get her a solid piece of carry on luggage with spinner wheels. Having a hard time narrowing it down. Would like something Boglehead-like that will last for years, but realistically will only be used 3-4 times a year. If you are carrying on to avoid the fee, just get any cheap roller with...
by ddurrett896
Sun Sep 30, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5931

Re: How to tell contractor you don't plan to pay him.

fortfun wrote:
Sun Sep 30, 2018 4:56 pm

Should I email or call the contractor? Do I let him re-try, or do I just insist on another contractor? What else should I know?
In my state, you have to let the contractor try to correct the issues first.
by ddurrett896
Sun Sep 30, 2018 6:31 am
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 121
Views: 14108

Re: Sears, a 125 year old company is now a penny stock.

[quote=Elbukari post_id=4141809 time=1538261832 user_id=132041] If you could somehow virtually try on a pair of shoes (i donno...scan your foot somewhere) and have a 95% accuracy rate, that would remove nearly most shoe sections in stores. Knowing the shoe size isn't enough in my opinion because eve...
by ddurrett896
Sat Sep 29, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: 0% loan to family member
Replies: 44
Views: 2631

Re: 0% loan to family member

Leave it alone. Your parents have enough of a burden, don’t double it.
by ddurrett896
Tue Sep 25, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Out of warranty repair for a Braun toothbrush?
Replies: 17
Views: 615

Re: Out of warranty repair for a Braun toothbrush?

My experience is companies will send stuff like this for free even if it is out of warranty. But my experience is only based on a few data points ( binoculars and mp3 players ).. Braun is owned by P&G and they will bend over backwards to keep customers happy. Read some of their fine print - try it ...
by ddurrett896
Tue Sep 25, 2018 6:59 am
Forum: Personal Consumer Issues
Topic: Dark stain wood floors
Replies: 27
Views: 2418

Re: Dark stain wood floors

Got our entire house refinished with an Ebony stain - almost black. With dogs and kids, it shows every scratch and piece of dust like mentioned above.

I love them and will refinish with the same color in the future.
by ddurrett896
Mon Sep 24, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5718

Re: Ripped off by a locksmith

Thegame14 wrote:
Mon Sep 24, 2018 12:10 pm
Should I call the company of just let the CC chargeback run its course?
Since he added the tip I would dispute the entire transaction.
by ddurrett896
Mon Sep 24, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Digitalizing Old Photos Help
Replies: 22
Views: 1576

Re: Digitalizing Old Photos Help

I've finally decided to start the huge project of converting a big box of old photos to digital. I haven't done this before at all. Can someone lead me to the best method of doing this, barring a professional service? Thanks!! iPhone app PhotoScan. Can with iPhone and it saves to phone. Did tons of...
by ddurrett896
Sat Sep 22, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 575703

Re: What's Your Credit Card Rewards Strategy?

I have no Credit Card Rewards Strategy, only own 2! Reading another post here, it seems that the more credit cards you own the less you will be able to monitor activity in all of them, and internet crooks then would be able to take advantage of that. You should only get involved into things which y...
by ddurrett896
Thu Sep 20, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3772

Re: Bathroom and Basement Remodel Costs

Sure, but you understand that a frameless shower enclosure of that size is over $5K in material, right? I've got a 40 sqft shower with a glass wall that's 70' wide, 60" tall , 28' of it is a door that cost $1,500 installed...material and labor. I misread the double side and was accounting for one p...
by ddurrett896
Thu Sep 20, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3772

Re: Bathroom and Basement Remodel Costs

Bathroom Full gut, roughly 12X14. $2,000 Relocate shower other side of room $1,000 Tub, sinks, toilet largely in same spot Install 7 new LED can lights, 4 sconces, one small pendant light $1,000 Built 4X4 water closet $2,000 Install 2 fans, one main bath and one water closet $1,000 Drywall, paint $...
by ddurrett896
Wed Sep 19, 2018 6:51 am
Forum: Investing - Theory, News & General
Topic: Why do we expect TSM to keep growing?
Replies: 77
Views: 8734

Re: Why do we expect TSM to keep growing?

1. What is the first principle behind the expectation that total stock market (eg, investing in 100% VTI) will give us positive real return over the long term? Any other thoughts or comments? For me it’s pretty simple....companies produce a product or service. I’m confident the population will only...
by ddurrett896
Tue Sep 18, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Concrete company refusing to lower bill
Replies: 22
Views: 1972

Re: Concrete company refusing to lower bill

cwademba wrote:
Tue Sep 18, 2018 2:50 pm
No written quote.

I did not send written quote by mail or email. This was a verbal agreement? Sales manager says its my fault that wrong was brought and it is my word against his?
You're off the hook. Good work not signing the ticket!
by ddurrett896
Sun Sep 16, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 36
Views: 2594

Re: Solar Install w/ SolarCity

My System: 41.5 kWh storage with 3 PowerWalls (each has capacity of 13.5 kWh) Over the last three years we average ~19,300 kWh @ 12.5cents/kWh ($2400) Am I reading this right? You use on average 19,300 kWh/year and three Powerwallas store 41.5 kWH, meaning once they are full charged, you will have ...
by ddurrett896
Sun Sep 16, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 36
Views: 2594

Re: Solar Install w/ SolarCity

My System: 41.5 kWh storage with 3 PowerWalls (each has capacity of 13.5 kWh) Over the last three years we average ~19,300 kWh @ 12.5cents/kWh ($2400) Am I reading this right? You use on average 19,300 kWh/year and three Powerwallas store 41.5 kWH, meaning once they are full charged, you will have ...
by ddurrett896
Sat Sep 15, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4381

Re: I need a chainsaw to trim branches and limbs!!

In order to buy a good product, I am willing to spend up to $200. If you think you will never have to cut up large tree branches, use one of these. https://www.homedepot.com/p/Milwaukee-M12-FUEL-12-Volt-Lithium-Ion-Brushless-Cordless-HACKZALL-Reciprocating-Saw-Kit-W-Free-M12-Multi-Tool-2520-21XC-24...
by ddurrett896
Wed Sep 12, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: What do I do with my investments during a downturn/recession?
Replies: 24
Views: 2830

Re: What do I do with my investments during a downturn/recession?

mrplee4 wrote:
Wed Sep 12, 2018 6:47 pm
1) When a downturn hits, do I switch to a more conservative TRD fund? Or do I just stay the course and let it ride. Or do I buy more?
Continue doing what you do today.

People who made moves in 2008 lost.
People who did nothing won.
by ddurrett896
Wed Sep 12, 2018 6:44 am
Forum: Investing - Theory, News & General
Topic: Money Market Redemption Gate
Replies: 18
Views: 1153

Re: Money Market Redemption Gate

chinchin wrote:
Wed Sep 12, 2018 3:19 am
If a 2008-level financial crisis happens again, what are the odds of a money market redemption gate being enforced? How long would it last?
What makes a MM account different than a savings in terms of being able to withdraw money?
by ddurrett896
Thu Sep 06, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Rent Increase or Not?
Replies: 25
Views: 2606

Re: Rent Increase or Not?

Landlord here. A good tenant is INVALUABLE...so is a happy tenant! If they are good, wait until they move to raise the price. Moving is a pain and I feel like they are held hostage when presented with a higher rent. In fact, I'd knock off 5% if I could guarantee a tenant that paid on time and took c...
by ddurrett896
Thu Sep 06, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7115

Re: Daily Driver (Car) Over 100K Miles?

2006 Toyota Landcruiser Miles 100K I expect the car to last at least another 10 years. Most of the small parts are rated for plus 250K miles The larger stuff ( engine, body, etc) are rated for plus 500K miles Change oil on time and rotate // change tires and you are good to go. This is my third LC,...
by ddurrett896
Wed Sep 05, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: Nest vs Arlo (or other) security camera & system
Replies: 16
Views: 1177

Re: Nest vs Arlo (or other) security camera & system

imyeti2 wrote:
Tue Sep 04, 2018 9:51 pm
Happy to hear experiences with Nest and/or other systems like Arlo. Thank you.
My neighbor uses Nest and loves them! Has houses in other countries and can easily check remote from iPhone when a face is recognized.
by ddurrett896
Mon Sep 03, 2018 7:18 am
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7743

Re: I want to pry my friend away from Edward Jones

Anybody have a recommendation? It'd be great if I could give her a book and say, "Read this, especially Chapter __." Or should I just give her the Bogleheads Guide to Investing? What do y'all think? The book might be a try, but unless she really is interested it might be boring and hard to finish. ...
by ddurrett896
Thu Aug 30, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Should I move all my bonds to 401K?
Replies: 9
Views: 1081

Re: Should I move all my bonds to 401K?

Before I had target date funds in my 401K with reasonable ER, that's what I did.

401K: SP500 index
Roth: Bonds, international and small cap
by ddurrett896
Wed Aug 29, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 321
Views: 33681

Re: U.S. stocks continue to soar!

Tired of winning!
by ddurrett896
Sat Aug 25, 2018 6:39 am
Forum: Personal Consumer Issues
Topic: Is it worth chasing down this $10 fee?
Replies: 38
Views: 3121

Re: Is it worth chasing down this $10 fee?

What should I do? I haven't called my card issuer as I'm afraid they'll just laugh at me. I'm furious because I've never paid a cash advance fee in my life and could have easily paid this person cash instead. I’d fight it $10 isn’t a lot of money, however multiply that by a couple hundred people an...
by ddurrett896
Thu Aug 23, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Reversing credit card charge for short-term vacation rental gone awry
Replies: 26
Views: 1665

Re: Reversing credit card charge for short-term vacation rental gone awry

It also turned out the host was renting illegally and in violation of his building’s agreements. I would focus on this because it can't re rectified by host, like dirty dishes, flooring, etc. can. Simple: The host is engaging in illegal activity by violating the rental rules and I don't want to bec...
by ddurrett896
Thu Aug 23, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: American Target date funds
Replies: 13
Views: 1173

Re: American Target date funds

I've been tossing around the idea of moving my $ to the target date fund to gain international exposure. My 401k only offer SGISX at .66 Should I stay invested where I'm at now, or would it be worth moving it to the American target date fund? Not at that expense. I had the same issue with my 401K a...
by ddurrett896
Wed Aug 22, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Troubleshoot water heater
Replies: 11
Views: 774

Re: Troubleshoot water heater

I replaced my water heater not long ago. We had a close lightening strike and the water heater is no longer working. Any recommendations on what should I do to troubleshoot? My electric water heater has been acting strange and after some research, there isn't much to them. Basically the tank, eleme...
by ddurrett896
Tue Aug 21, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9628

Re: Landlord Nightmare

delamer wrote:
Tue Aug 21, 2018 3:51 pm
If he isn’t part of a protected group, then you can’t be discriminating.
What is a protected group?
by ddurrett896
Tue Aug 21, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9628

Re: Landlord Nightmare

You cannot change the application process. If you normally do not do a "tenant screen/application" you can't just do one on a person randomly. Treat everyone the same. You can't have a separate policies/qualifications for different groups of people. That is discrimination. I’m assuming you can chan...
by ddurrett896
Mon Aug 20, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Shower too HOT
Replies: 14
Views: 815

Re: Shower too HOT

kaneohe wrote:
Mon Aug 20, 2018 9:46 pm
Is the weather hotter?
No
by ddurrett896
Mon Aug 20, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Shower too HOT
Replies: 14
Views: 815

Re: Shower too HOT

When I had the same problem in the past it was caused by the water heater having a problem with one of the elements or thermostat, also causing water to dump via the TPR (temperature and pressure relief valve) onto the basement floor. FWIW, - Ron +1 I'm assuming the water heater is electric. I've h...
by ddurrett896
Mon Aug 20, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Shower too HOT
Replies: 14
Views: 815

Re: Shower too HOT

adamthesmythe wrote:
Mon Aug 20, 2018 9:36 pm
It's possible the mixing valve has some problems. OR the handle is loose.
Shower has two identical shower valves for separate shower heads and both are doing same thing.
by ddurrett896
Mon Aug 20, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Shower too HOT
Replies: 14
Views: 815

Shower too HOT

My shower water has recently gotten hotter with no change to the water heater thermostat.

I normally have to turn my shower handle 75% for a comfortable shower - now, it’s gotta be around 35%. Anything more is now too hot. Any ideas?
by ddurrett896
Mon Aug 20, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Sheraton Kauai timeshare
Replies: 35
Views: 3886

Re: Sheraton Kauai timeshare

Those time share reps work off of commission. Some of them may even have 3 or 4 kids at home that they are supporting and you are simply wasting THEIR time. You want something for nothing. Wasting time = yes. Something for nothing = no. Sales person makes an offer, "Come to 90 minute pitch and get ...
by ddurrett896
Sun Aug 19, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 7705

Re: Reckless driving ticket in VA-Help!

I'm in southern VA and my last reckless was about 10 years ago and I'd assume the consequences are the same or worse today. When I went to court, the judge made me sign a waiver acknowledging that this was a jail able offense and if I really didn't want a lawyer. If you did get sentences to jail, yo...
by ddurrett896
Sun Aug 19, 2018 6:30 am
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 3905

Re: Best (most practical, low cost) Luggage for Airline Travel

I noticed when I took a trip recently that many people in the airline terminals have "hard shell"/four wheel luggage I have no idea why. 2 wheels = tucked into bag, protected by housing. 4 wheels = exposed, greater chance of breaking. Luggage is disposable and airport luggage handlers are hard on t...
by ddurrett896
Fri Aug 17, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Online Banking - School Me
Replies: 21
Views: 2246

Re: Online Banking - School Me

Depends on what you mean by "online banking account"; I suspect you conduct online backing with NFCU, but they do have brick & mortar locations as well. I'm guessing you're referring to online-only (or nearly online-only. I should have been more clear - yes, online banks with no brick and mortar lo...