Search found 871 matches

by ddurrett896
Fri Dec 14, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?
Replies: 60
Views: 3251

Re: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?

This topic reminds me of a review I added to Target.com for Bounty Paper towels. I wrote how terrible it was that Bounty decreased their roll sizes by 15-percent while the package looked identical (except sheet count) and the price stayed exactly the same. I thought consumers should be made aware o...
by ddurrett896
Thu Dec 13, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 69
Views: 3930

Re: [Anyone drop cable for YouTube TV?]

Does anyone know a site where I can input the stations I need and it spits out the best providers (YTTV, Sling, etc) to go with?
by ddurrett896
Wed Dec 12, 2018 8:23 am
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 179
Views: 13292

Re: What Happened to you during the Financial crisis of 2007–2008

I was 23 and using a financial advisor from American Funds. I saw my Roth IRA account balance drop below my total contributions and stop contributing...even with like 60 months living expense in a bank account :oops: I don't know what was worse, the decline or the American Funds front load fees and ...
by ddurrett896
Tue Dec 11, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 3926

Re: Donate to homeless?

Reason # 1525362 why I never carry cash.
by ddurrett896
Wed Dec 05, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Southern California Vacation Questions
Replies: 39
Views: 2021

Re: Southern California Vacation Questions

Just got back from a similar trip with my family. Flew into LAX and spent a day doing The touristy stuff then drive to San Diego and spent the remaining 4 days there. LA was nice, San Diego was more laid back and chill.
by ddurrett896
Mon Dec 03, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Crawl Space Fixin's - Do you really need it?
Replies: 20
Views: 2146

Re: Crawl Space Fixin's - Do you really need it?

$2k for vapor barrier. I would guess that the previous owners never worried about this sort of thing. What are your experiences with crawl spaces? Should I be thinking differently about the issue? Correct the issue but shop around. I'm in southern VA and get a yearly termite inspection which includ...
by ddurrett896
Wed Nov 21, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Home remodeling costs
Replies: 13
Views: 1282

Re: Home remodeling costs

Beanbone wrote:
Tue Nov 20, 2018 8:08 pm
Any thoughts or direction on which site is more realistic?
What's the scope of work? Are you moving plumbing?

Material is pretty easy to figure. Pick fixtures, measure sqft of tile x price of whatever you like.

Labor is a crapshoot. I'd use the material cost total as the cost for labor.
by ddurrett896
Thu Nov 15, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 5457

Re: fuel for snowblower

There are a lot of comments saying ethanol is ok. Call a small engine tech and ask them - they see problems all day everyday because of ethanol. Or call a boat service center - they see it too when boats sit for long periods without running. I have no access to ethanol free fuel and add Star-Tron t...
by ddurrett896
Thu Nov 15, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 5457

Re: fuel for snowblower

There are a lot of comments saying ethanol is ok. Call a small engine tech and ask them - they see problems all day everyday because of ethanol. Or call a boat service center - they see it too when boats sit for long periods without running. I have no access to ethanol free fuel and add Star-Tron to...
by ddurrett896
Mon Nov 12, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Home addition vs. Buying New
Replies: 43
Views: 2785

Re: Home addition vs. Buying New

We absolutely love the area we live right now. Dead End street, biggest lot on the street of usable backyard and play area for the kids. Close to schools. The town is also where we want to be. I'm normally a fan of doing an addition, for the reasons above plus you get 100% what you want. Are you ab...
by ddurrett896
Tue Nov 06, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA - Question
Replies: 12
Views: 654

Re: Dependent Care FSA - Question

My previous post was incorrect. I was thinking of the medical FSA .. :oops: At end of year I usually get a receipt from our daycare provider, with their taxID included on it. I submit it on the FSA website and get the full 5K direct deposited a week or so later. I could file for the 5K as soon as I...
by ddurrett896
Tue Nov 06, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA - Question
Replies: 12
Views: 654

Dependent Care FSA - Question

My employer is now offering a Dependent Care FSA that covers pre-shool and child care with a max contribution of $5,000.The process was explained that they withdraw the money before tax and deposit in a separate account, then I request reimbursement for qualified spends. I spend right at $5,000/year...
by ddurrett896
Tue Oct 23, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying a brand new Toyota 4Runner TRD
Replies: 14
Views: 1697

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

Helo80 wrote:
Tue Oct 23, 2018 8:09 pm
Based upon the '18 and '19 colors, I'd pay over MSRP now for a '17 cement.
I’d kill for a cement!
by ddurrett896
Sat Oct 20, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6091

Re: Pull kids from school for vacations?

I never missed a day of school 1st-5th grade and only a few times 6th-12th. We do a family trip every October and my kids miss a week and next year a local cruise happens during May so they will miss another week. Not a huge deal. The teacher send home a packet of material to complete so they stay w...
by ddurrett896
Fri Oct 19, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: noisy generator
Replies: 60
Views: 4312

Re: noisy generator

Just lost power for 2 days. I’ll take the sound of mowers as long as I have AC.
by ddurrett896
Fri Oct 19, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 113
Views: 6981

Re: Depositing Cash if it was gifted?

I'll bet there's probably more cash in other places in the house. (My in-law put a deceased's persons stuff in the front yard for a yard sale, then started going through the pockets. After they found several hundred dollars, they pulled all the clothes inside for another time. The original family d...
by ddurrett896
Wed Oct 17, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying a brand new Toyota 4Runner TRD
Replies: 14
Views: 1697

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: 943

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: 5869

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: 6121

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: 1196

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: 5308

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: 104
Views: 5702

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: 104
Views: 5702

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: 9272

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: 4122

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: 3933

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: 2328

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: 6148

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: 127
Views: 15584

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: 2756

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: 669

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: 2474

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: 5800

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: 1661

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: 3110
Views: 604501

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: 3820

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: 3820

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: 8826

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: 2013

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: 2630

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: 2630

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: 4478

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: 2880

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: 1175

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: 2658

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: 7324

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: 1278

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: 7913

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: 1113

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