Search found 1210 matches

by ddurrett896
Wed May 27, 2020 7:58 am
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 53
Views: 3591

Re: What will you NOT buy online?

pants...unless they are are an exact replacement for a current pair.
by ddurrett896
Fri May 22, 2020 9:42 am
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 98
Views: 6242

Re: Alternatives to Craftsman Tools

Maybe I'm just lucky, but I think this vastly overstates the quality of U.S. Made and vastly understates the quality of Chinese products.merits. Maybe a can open is a bad example. My $30 Harbor Freight Backpack sprayer lasted 1 season before leaking at the seals. My $100 King Backpack sprayer is in...
by ddurrett896
Fri May 22, 2020 8:07 am
Forum: Personal Consumer Issues
Topic: What to look for when buying a table saw?
Replies: 52
Views: 2391

Re: What to look for when buying a table saw?

I see a few used table saws available on my local craigslist, but I'm not sure I know how to tell if I'm getting ripped off or not by buying someone else's lemon. Any thoughts? Another recommendation for the Dewalt Jobsite table saw. Small and gets the job done. I'm guessing you have a miter saw to...
by ddurrett896
Thu May 21, 2020 3:16 pm
Forum: Personal Investments
Topic: I freaked out…now what?
Replies: 60
Views: 6073

Re: I freaked out…now what?

“Be greedy when others are fearful, and fearful when others are greedy.”

All in today.
by ddurrett896
Thu May 21, 2020 1:37 pm
Forum: Investing - Theory, News & General
Topic: Healthcare post COVID-19
Replies: 57
Views: 5274

Re: Healthcare post COVID-19

When over 20 million people in the United States lose their health insurance during a pandemic, you know something is wrong with tying health insurance to jobs. Telemedicine will become more mainstream. I think many industries have been forced to advance 10 years into the future by the pandemic. Yo...
by ddurrett896
Thu May 21, 2020 7:30 am
Forum: Personal Consumer Issues
Topic: Remote teaching a 15 year old [about stocks]
Replies: 30
Views: 1250

Re: Remote teaching a 15 year old

Everybody, I need some help and insight. I would like to engage and teach my 15 year old nephew over the summer. This would have to be remote, since he is 4 hours away. Go see him 1x or 2x/month to check in and do everything else remote. My recommendation on the initial visit: walk thru the wood wi...
by ddurrett896
Thu May 21, 2020 7:03 am
Forum: Personal Consumer Issues
Topic: Shed Foundation: Flat Concrete Blocks or Deck Piers?
Replies: 18
Views: 1322

Re: Shed Foundation: Flat Concrete Blocks or Deck Piers?

Best to worst for me:

Concrete pad with block piers
Gravel pad with block piers (I would do this)
Block piers
Gravel pad
Dirt
by ddurrett896
Thu May 21, 2020 7:00 am
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 98
Views: 6242

Re: Alternatives to Craftsman Tools

My aunt has a microwave she bought in the '70s. It still works to this day. She also paid hundreds of dollars for it (I want to say the first consumer microwaves were like $1,000) and this was in the '70s. Now, I can get a functional microwave for $40 at Walmart. Is it going to last for 50 years? N...
by ddurrett896
Wed May 20, 2020 8:28 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19227

Re: What is your most luxury/expensive hobby.

Guns. Shooting, and to a lesser extent collecting. Are you in a suppressor friendly state? If so, check out Form 1 suppressors. Rabbit hole warning. As of a few years ago Iowa is suppressor friendly. Haven't dabbled into suppressors at all yet as it has only been a few years for my state and the wh...
by ddurrett896
Wed May 20, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19227

Re: What is your most luxury/expensive hobby.

Onlineid3089 wrote:
Tue May 19, 2020 2:23 pm
Guns. Shooting, and to a lesser extent collecting.
Are you in a suppressor friendly state? If so, check out Form 1 suppressors. Rabbit hole warning.
by ddurrett896
Wed May 20, 2020 7:38 am
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4035

Re: Vault Safe in the attic; welded, anyone ?

I think sticking the safe in your attic is sufficient, without all the welding, etc.

How many burglars rush to an attic or could even find the access?

I'd stick it in my attic with a box covering with the bottom cut out over it that says CHRISTMAS DECORATIONS.
by ddurrett896
Sun May 17, 2020 7:19 am
Forum: Personal Consumer Issues
Topic: Weber Grill Will Not Light - Help
Replies: 34
Views: 1637

Re: Weber Grill Will Not Light - Help

Disconnect the tank, reconnect then try.

If my gas is off and I turn on the grill, then turn on the gas, there is a safety that will ignite the grill but only on low.

Yours could have a safety that won’t let it light at all.
by ddurrett896
Thu May 14, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: What to do with canned chicken?
Replies: 45
Views: 3313

Re: What to do with canned chicken?

Food bank
by ddurrett896
Thu May 14, 2020 8:37 am
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5089

Re: Where do you back up your important data?

I really only care about photos since they can never be replaced. I put everything on my Mac and the pictures are copied onto Google Photos. Then use an external harddrive that lives in a safe to backup my Mac about once a quarter. A fire/theft could destroy my Mac and harddrive, but photos are stil...
by ddurrett896
Tue May 12, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: COVID - 19 things to do
Replies: 51
Views: 4120

Re: COVID - 19 things to do

Pre Covid I had two powerwheels in my garage. Now I have 6 that are rotated as they die. Happy kids playing outside more than ever.
by ddurrett896
Wed May 06, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: Steel-framed Residential Entry Doors
Replies: 34
Views: 2377

Re: Steel-framed Residential Entry Doors

atikovi wrote:
Wed May 06, 2020 12:12 pm
I assume breaking a window takes just one second, unless they have bars.
or this

https://www.youtube.com/watch?v=Maph1a2qFf4
by ddurrett896
Mon May 04, 2020 8:46 am
Forum: Personal Consumer Issues
Topic: Steel-framed Residential Entry Doors
Replies: 34
Views: 2377

Re: Steel-framed Residential Entry Doors

Valuethinker wrote:
Mon May 04, 2020 5:20 am
What happens if your local Fire Department has to gain entry?
Garage door.
by ddurrett896
Wed Apr 29, 2020 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17341

Re: Quitting a job after two weeks: relocation expenses

3x the pay at 2.5x the hours? No deal - go back to old company.
by ddurrett896
Wed Apr 29, 2020 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with extra money?
Replies: 20
Views: 1799

Re: What to do with extra money?

I project we will have $88,000 sitting in high yield savings. Approx. $60,000 represents one year of expenses for our EF. Does the $60,000 one year expense cover ALL expenses in the event you both lost your job? If so, I think you are way good here. I like to think that my wife and I won't ever be ...
by ddurrett896
Wed Apr 29, 2020 6:42 am
Forum: Personal Consumer Issues
Topic: Cox Internet Retention
Replies: 20
Views: 1054

Re: Cox Internet Retention

It's like going to a used car lot in dealing with them. Interesting how some agents give you a promo rate within 15 seconds and others take 5 minutes, albeit one that hardly saves you any money. Do you have someone in your house that can put service in their name? Every 2 years, I move and my wife ...
by ddurrett896
Mon Apr 27, 2020 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6060

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

I've worked from home for the last 5 years and I think this will push companies who are old school to at lest be open to the idea. I talk to someone at my previous job there were hourly and had to be in office and they were scrambling to get them into a desktop so they could work from home. Moving f...
by ddurrett896
Mon Apr 27, 2020 7:55 am
Forum: Personal Investments
Topic: Should I sell rental as planned or change course due to corona ?
Replies: 7
Views: 554

Re: Should I sell rental as planned or change course due to corona ?

Sold our rental in January and wouldn't go back. It can go either way...

Part of me think I avoided the risk of having the old tenant not being able to pay.
Part of me think I might have been able to get more now that the interest rates are lower.
by ddurrett896
Sat Apr 25, 2020 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9612

Re: Best Covid19 resistant job

I’m in the packages food business and can’t imagine a time where business could be bad.
by ddurrett896
Fri Apr 24, 2020 7:07 am
Forum: Personal Consumer Issues
Topic: Pandemic leading to cost savings?
Replies: 14
Views: 1328

Re: Pandemic leading to cost savings?

Overall spending is down, driven largely by child care and monthly sport payments being suspended.

Take out meals increased 2x
Tipping has increased 3x
Alcohol consumption increased 2x
by ddurrett896
Fri Apr 24, 2020 5:54 am
Forum: Non-US Investing
Topic: Romanian total beginner starting to invest in OIL
Replies: 17
Views: 1009

Re: Romanian total beginner starting to invest in OIL

The smartest way to invest in oil today is to go fill you spare gas cans.
by ddurrett896
Thu Apr 23, 2020 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9612

Re: Best Covid19 resistant job

I have a nephew who works for the USPS. His job is probably about as secure as they come. THIS x1000. I've got an old co worker that drives for the USPS and the last time we talked, she told me stories of employees doing drugs in the bathroom, etc. When I said they are crazy to risk a job like that...
by ddurrett896
Tue Apr 21, 2020 7:52 am
Forum: Personal Consumer Issues
Topic: Best BH soap for C19 & least mess at sink
Replies: 27
Views: 1938

Re: Best BH soap for C19 & least mess at sink

lindsayinsf wrote:
Tue Apr 21, 2020 2:41 am
The CDC says the type of soap does not matter. https://www.cdc.gov/handwashing/index.html If using a pump soap, clean the outside of the bottle/top of pump every once in a while with...soap. :)
For what? You wash your hands after touching it each time - right :confused
by ddurrett896
Mon Apr 20, 2020 8:04 am
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 13464

Re: How many paid for kids' college?

t isn't her fault that she grew up in a country that sells its youth into debt bondage to get an almost mandatory college degree, when colleges on average have a $65MM endowment. Added an important part that wasn't included. I have kids and don't plan on funding all of their tuition as I think they...
by ddurrett896
Sun Apr 19, 2020 7:59 am
Forum: Personal Consumer Issues
Topic: Issues with face masks?
Replies: 92
Views: 5948

Re: Issues with face masks?

I wouldn't wear a mask and just make sure you don't touch your face. Frankly I think masks and gloves hurt more people than they help since it gives a false sense of security. For example, when I go grocery shopping I put my credit card in my back right pocket and pulled the cart thru the store with...
by ddurrett896
Fri Apr 17, 2020 10:08 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72337

Re: Bogleheads community discussion - Coronavirus

The University of VA has come out with its own model of when the peak will be in VA. It appears that the Governor will be using their model as he makes policy. https://covid19.biocomplexity.virginia.edu/sites/covid19.biocomplexity/files/COVID-19-UVA-MODEL-FINDINGS-Apr13-2020-FINAL%20PRESS.pdf Which...
by ddurrett896
Thu Apr 16, 2020 7:30 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16335

Re: What percentage of your paycheck do you invest?

This is a dumb question. Some people make 30k a year, can't invest much. Some people make 200k a year, can invest a large % of paycheck. Yes and no. People making $30K have a $625 mortgage/rent. People making $200k have a $4,000 mortgage/rent. People making $30K have a $250 car payment. People maki...
by ddurrett896
Thu Apr 16, 2020 3:18 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16335

Re: What percentage of your paycheck do you invest?

This is a dumb question. Some people make 30k a year, can't invest much. Some people make 200k a year, can invest a large % of paycheck. Yes and no. People making $30K have a $625 mortgage/rent. People making $200k have a $4,000 mortgage/rent. People making $30K have a $250 car payment. People maki...
by ddurrett896
Thu Apr 16, 2020 3:12 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16335

Re: What percentage of your paycheck do you invest?

Pre-tax: 16%, 25% with employer match
Post-tax: 23%, 32% with employer match
by ddurrett896
Mon Apr 13, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: Stale Gasoline?
Replies: 25
Views: 1824

Re: Stale Gasoline?

jebmke wrote:
Mon Apr 13, 2020 3:05 pm
Why would you keep 15 gallons of gas in your garage?
I'm on the east cost and have 60 in mine. Generator been running since this morning and I'm on gallon #6.
by ddurrett896
Thu Apr 09, 2020 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff - Am I crazy?
Replies: 81
Views: 5444

Re: Mortgage payoff - Am I crazy?

Without knowing your income and emergency fund, it's hard to advise.

If income is stable and EF looks good, I'd throw like $20-$30K towards the mortgage and bank the remainder. Then start overpaying the mortgage each month by a couple hundred dollars.
by ddurrett896
Thu Apr 09, 2020 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 986
Views: 102504

Re: Why are you NOT buying rental properties?

michaeljc70 wrote:
Wed Apr 08, 2020 1:21 pm
https://www.wsj.com/articles/nearly-a-t ... 1586340000

"Nearly a Third of U.S. Apartment Renters Didn’t Pay April Rent"

It is behind a paywall, but the headline says it all.
Became an accident landlord 8 years ago and sold in January 2020. Talk about market timing!!!
by ddurrett896
Tue Apr 07, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: MiniKeePass Going Away
Replies: 1
Views: 493

MiniKeePass Going Away

Got an error in MiniKeePass today saying "The app is no longer maintained. Please export your data using the instructions in the help menu. The app will not be available after 2020."

Anyone else get this issue? Anyone have a recommendation for a new app? Thanks!
by ddurrett896
Mon Apr 06, 2020 4:04 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17133

Re: What will you do first, once COVID pandemic is over?

Seriously thinking about putting in a pool to keep my kids outside 24/7 while I work inside.
by ddurrett896
Fri Apr 03, 2020 9:48 am
Forum: Personal Consumer Issues
Topic: Online / Gun Dealer Recommendations
Replies: 73
Views: 6027

Re: Online / Gun Dealer Recommendations

If you aren’t going to carry concealed, consider a full size pistol rather than a compact (ie, glock 17 rather than 19). This. Buy a Glock 17 then if you want to conceal buy a Glock 26 after. Then buy a 19 just because and stock up on 17 mags that work in all three guns. Then buy a 43 for the times...
by ddurrett896
Thu Apr 02, 2020 12:16 pm
Forum: Personal Investments
Topic: Does anyone else just not care/worry?
Replies: 139
Views: 9622

Re: Does anyone else just not care/worry?

I don't worry about the market and virus.
I do worry about the number of people not working. After money/credit dry up, anything goes to feed the family. Factor in limited police force and things can go south quick.
by ddurrett896
Wed Apr 01, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55526

Re: How to get Toilet Paper ? seriously.

BJs has some today.

Hours are 8-9am for seniors. I went in at 10:30 and there was 5 pallets of Charmin.
by ddurrett896
Wed Apr 01, 2020 10:23 am
Forum: Personal Consumer Issues
Topic: Online / Gun Dealer Recommendations
Replies: 73
Views: 6027

Re: Online / Gun Dealer Recommendations

Buds gun shop
by ddurrett896
Tue Mar 31, 2020 7:20 pm
Forum: Personal Consumer Issues
Topic: [Netflix:] Can We Talk About Tiger King: Murder, Mayhem and Madness?
Replies: 46
Views: 4256

Re: [Netflix:] Can We Talk About Tiger King: Murder, Mayhem and Madness?

Loved the part when Joe got perfume sprayed on his shoes and he said they were trying to kill him and Carole was quick to say “it’s not like the used sardine oil.”

It’s almost as if she had done it before...
by ddurrett896
Tue Mar 31, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: Tipping in new reality?
Replies: 80
Views: 4656

Re: Tipping in new reality?

I always tip 20%.

I haven't tipped below 50% since all of this has started. Even at places like my local smoothie shop that don't have a tip jar. Fortunately wife and I have stable jobs. Can't imagine being in the restaurant industry right now.
by ddurrett896
Mon Mar 30, 2020 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance
Replies: 7
Views: 910

Re: Mortgage Refinance

mega317 wrote:
Mon Mar 30, 2020 3:52 pm
Seems like expensive insurance to me. But I don't know your financial picture. Are you dependent on one unstable income? Two jobs and could keep up with the payments if one was lost?
House is like $350,000. Escrow is $300 - $200 to tax and $100 to insurance thru State Farm. Both jobs are stable.
by ddurrett896
Mon Mar 30, 2020 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance
Replies: 7
Views: 910

Re: Mortgage Refinance

beernutz wrote:
Mon Mar 30, 2020 3:14 pm
Where are you finding 2.5% 15 year refis?
NFCU.
by ddurrett896
Mon Mar 30, 2020 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance
Replies: 7
Views: 910

Mortgage Refinance

Currently have 22 years left on a $125,000 mortgage at 3.625%. Payment is $990. Can move to a 15 year at 2.5% on the $125,000. Payment would be $1,130. If we keep our mortgage and pay an additional $200/month, we will end in 15 years. Essentially pay an extra $60/month for the flexibility to stop if...