Search found 804 matches

by ddurrett896
Wed Aug 15, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Are merchants more (too) careless these days?
Replies: 22
Views: 1591

Re: Are merchants more (too) careless these days?

The solution, of course, is for companies to pay more highly and get better people. They fiercely resist this. Wage growth stays stuck at c. 2.5% and does not comfortably beat inflation. Real wages, especially at the bottom of the employment pyramid, are not rising - from memory they are just about...
by ddurrett896
Wed Aug 15, 2018 7:00 am
Forum: Investing - Theory, News & General
Topic: Mark Cuban bullish on Netflix and Amazon
Replies: 18
Views: 1262

Re: Mark Cuban bullish on Netflix and Amazon

WanderingDoc wrote:
Tue Aug 14, 2018 9:42 pm
Thoughts? Are you keeping cash on the sidelines in case a great opportunity comes along?
This is coming from the same guy that said markets will tank if Trump was elected. The great opportunity happened yesterday...
by ddurrett896
Sun Aug 12, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Best Counter Depth Side by Side refrigerator
Replies: 24
Views: 2063

Re: Best Counter Depth Side by Side refrigerator

Re did kitchen a few years ago and reviews are all over the place. I've come to the conclusion that everyone loves/hates all manufactures. My recommendation: bells and whistles are potential problem. Less you have, greater chance of success. When I purchased my counter depth fridge, I skipped the do...
by ddurrett896
Fri Aug 10, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 7609

Re: Should I tell my family/friend that they are making a financial mistake?

Maverick3320 wrote:
Fri Aug 10, 2018 10:00 am
It's a slippery slope, though. If tax dollars are paying for someone's healthcare, should you as a taxpayer share your opinion that they shouldn't be smoking?
Yes, it affects me so I should voice my opinion.
by ddurrett896
Fri Aug 10, 2018 7:11 am
Forum: Personal Finance (Not Investing)
Topic: 1024.99 for a book. Why?
Replies: 21
Views: 3251

Re: 1024.99 for a book. Why?

If it’s for college, tuition reimbursement from employer. Both books are covered, however:

1) the more expensive book = more credit card points
2) the more expensive book = better condition, higher resale after class
by ddurrett896
Thu Aug 09, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 7609

Re: Should I tell my family/friend that they are making a financial mistake?

Have you done it without hurting their feelings? Never give an opinion on anything unless it’s asked for. The only caveat is when if will affect me. For example,I will voice my opinion if my parents were making financial mistakes that will potentially bankrupt them resulting in me having to financi...
by ddurrett896
Thu Aug 09, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: First time taking kids to airport..
Replies: 28
Views: 2216

Re: First time taking kids to airport..

z91 wrote:
Thu Aug 09, 2018 4:01 pm
Long-term parking is around $80. A shuttle is about $55 (no waiting, no stops).
Park at the airport.
by ddurrett896
Thu Aug 09, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2029

Re: Do Airlines measure checked baggages?

I've seen many responses on bags being barley over the limit. This is why I use a soft duffel that I can cram.
by ddurrett896
Wed Aug 01, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 6702

Re: DW job in dangerous area

But a gun, learn how to shoot, carry the gun. She probably wouldn't be able to get a permit to do that at school and the penalty for doing so illegally is up to $5k or 5 years under federal law and she would almost certainly lose her job, as well, which undermines taking the job in the first place....
by ddurrett896
Wed Aug 01, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 6702

Re: DW job in dangerous area

But a gun, learn how to shoot, carry the gun.
by ddurrett896
Tue Jul 31, 2018 5:39 am
Forum: Investing - Help with Personal Investments
Topic: Financial upside / downside of marriage vs cohabiting
Replies: 74
Views: 5772

Re: Financial upside / downside of marriage vs cohabiting

Financial upside? No

If your happy living like a married couple with no intentions of getting married, then why would you get/stay engaged?

I wouldn’t look to statistics or friends marriages as a barometer to what might come.
by ddurrett896
Tue Jul 24, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 6743

Re: Daughter wants to travel on her own to Montreal

* She is not going there to drink. She does not drink or do drugs. Has no interest in drinking or doing drugs. Does not eat meat.(Vegan) This has nothing to do with the original question, but as a new parent I'm curious...how on earth do you know this? My parents thought that I had no interest in d...
by ddurrett896
Tue Jul 24, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: newcomer 21yr/o college student
Replies: 16
Views: 1135

Re: newcomer 21yr/o college student

also have a paid summer internship that will net me 3k, since this money is taxable income I wanted to open up an IRA, but I am a little lost choosing the right one (whether ROTH because I am in a low tax bracket now, or a traditional because I may be in a much higher tax bracket later in life. - O...
by ddurrett896
Sat Jul 21, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card - Keep Getting Denied
Replies: 27
Views: 2090

Re: Credit Card - Keep Getting Denied

not sure you have this right. The main difference between a charge card and a credit card is one has to be paid off each month (the former) while the other can carry a balance over time (the latter). Other than that, they both report to credit agencies so the fact he carries no balance because he h...
by ddurrett896
Sat Jul 21, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card - Keep Getting Denied
Replies: 27
Views: 2090

Re: Credit Card - Keep Getting Denied

Sidney wrote:
Sat Jul 21, 2018 3:06 pm
Has he applied for a card with his own bank?
Yes, Wells Fargo. Denied
by ddurrett896
Sat Jul 21, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card - Keep Getting Denied
Replies: 27
Views: 2090

Credit Card - Keep Getting Denied

I have a friend who has been using an Amex charge card for a year not knowing his history isn’t reported to the credit bureaus. He pays this off every month. His credit score is ~640 and he has no debt outside of mortgage and vehicle. Called Amex to convert his charge card to a credit card and was d...
by ddurrett896
Fri Jul 20, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: I ran out of credit card signups bonus...
Replies: 106
Views: 15790

Re: I ran out of credit card signups bonus...

Really? Thanks. I do have a "small business" (1 rental unit), but I though the tin had to be for the business. If this works, I'm back in churning business. Yup. Wife and I did this one with a rental unit using our names and social. https://www.capitalone.com/small-business/credit-cards/spark-cash/
by ddurrett896
Fri Jul 20, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 49
Views: 3189

Re: suit shoe combo?

I am thinking about going to a black suit with a red colored tie and my red Nike sneakers...what do you all think? Please don't. That's almost as bad as wearing a ball cap with a suit. If you want something less dressy, pick up some drivers. Below is an example: http://www.colehaan.com/mens-zerogra...
by ddurrett896
Wed Jul 18, 2018 6:17 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 55338

Re: Flaunt Your High-Mileage Car

6 miles round trip. $2000 for bike Assuming No safety/snowmobile suit required or tax and title & also no depreciation on car or lower maintenance cost on bike and free electricity & you two will not carpool on the electric bike & you only use the bike to save miles to work. & future money is not w...
by ddurrett896
Tue Jul 17, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Who has owned a ski boat or waverunner & did you regret it?
Replies: 29
Views: 18182

Re: Who has owned a ski boat or waverunner & did you regret it?

Bajanana wrote:
Mon Jul 16, 2018 9:20 pm
just about getting it in and out on the ramp.
I'd bet your trunk will be in the water.
by ddurrett896
Sat Jul 14, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 10010

Re: When does frugal cross the line to cheapskate?

Frugal spends money base on value, not cost. Cheapskate spends money based on cost, not value. My bro in law buys $150 used appliances on Craigslist constantly. He’s cheap. I spent $3,000 on a quality fridge that will last me longer and much more efficient. I did but it from an employee discount sit...
by ddurrett896
Thu Jul 12, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Auto Tariffs: time to buy?
Replies: 63
Views: 3828

Re: Auto Tariffs: time to buy?

Clean and sustainable sources of electricity are certainly critical to the overall benefits of electric vehicles. Don't forget about the massive coal burning machines that excavate the battery metals out of the ground, then the massive coal burning machines that transport them. Then years down the ...
by ddurrett896
Wed Jul 11, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Tool cabinets?
Replies: 32
Views: 2161

Re: Tool cabinets?

Luke Duke wrote:
Wed Jul 11, 2018 8:22 am
JoinToday wrote:
Wed Jul 11, 2018 12:50 am
I might drop by Harbor Freight & check out the tool boxes.
Sign up for their mailer. They frequently have 20% off coupons.

The site below renews with the most recent 20% off coupon and all the person at the register needs is the 8 digit number.

http://www.hfqpdb.com/
by ddurrett896
Tue Jul 10, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3424

Re: Masterbath Remodel - Tub or No Tub ?

Put a tub in the shower.

Perfect for the kids who love to splash everywhere plus can be used by adults.
by ddurrett896
Tue Jul 03, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Dallas Trip
Replies: 20
Views: 1383

Re: Dallas Trip

Pappasito's Cantina!!!!
by ddurrett896
Mon Jul 02, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Recommend airline luggage fitting in overhead bin?
Replies: 31
Views: 3288

Re: Recommend airline luggage fitting in overhead bin?

Need to update our overhead bin bags. Want the 4 corner wheels model. Appreciate your suggestions. Thank you in advance! Anything with wheels, especially 4 wheels is likely to get stopped and forced to check at the gate. While free, I always hate waiting at the baggage claim. Instead, I carry a sof...
by ddurrett896
Sat Jun 30, 2018 7:23 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 14922

Re: How much (green) cash at home for emergency ?

TheAccountant wrote:
Fri Jun 29, 2018 7:55 pm
What happens when your house floods unexpectedly and the $ 10,000 worth of uninsured dollars gets sucked downstream?
I keep all my cash and documents in a waterproof bag, then in a small, handheld fireproof safe to keep them together and lock in a 1,000lb gun safe. They ain’t going anywhere.
by ddurrett896
Thu Jun 28, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6360

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

TheAccountant wrote:
Thu Jun 28, 2018 7:51 pm
Fix the Civic and buy a farm truck. Something old, used, but in good mechanical condition.
Good idea. Plus in my state, farm vehicles require no tags, inspection, property tax or registration while they are farm use only.
by ddurrett896
Thu Jun 28, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Sister-in-Law - trouble adulting - Pay medical bill?
Replies: 41
Views: 3631

Re: Sister-in-Law - trouble adulting - Pay medical bill?

Cycle wrote:
Wed Jun 27, 2018 7:44 pm
Would you just pay the bill or try to nip the issue in the bud? Thanks for your consideration
Given the information above, it's a no-brainer...I would give her nothing!
by ddurrett896
Wed Jun 27, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6360

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

I personally dislike driving a truck so the promises of the Honda Ridgeline are interesting (smaller turn radius, more of an SUV drive) whereas my husband has had a Chevy Silverado and liked it. Our top five choices currently are: Honda Ridgeline, Chevy Silverado 1500, Toyota Tundra, Toyota Tacoma,...
by ddurrett896
Wed Jun 27, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 10592

Re: Lost out on promotion

moneywise3 wrote:
Tue Jun 26, 2018 7:04 pm
he other guy chats with the boss all day. They talk non-work things all day. Boss has a set of favorite folks, and I ain't in that group.
"It's all about who you know, not what you know."

Welcome to office politics. My advice would be to continue doing great work and learn the social game!
by ddurrett896
Sat Jun 16, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 55
Views: 6651

Re: Contractor - Threatening Lien/Lawsuit

J295 wrote:
Fri Jun 15, 2018 10:25 pm
Scam. Ignore him and move on.
The issue with that is the problem isn't solved and other people will continue to be ripped off.
by ddurrett896
Fri Jun 15, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 55
Views: 6651

Re: Contractor - Threatening Lien/Lawsuit

Call your states DPOR (Department of Professions) From what you mentioned, I bet he could face $10,000+ in fines (at least in my state). Not have a legit contract - fine. Not having business license # on contract - fine. No scope of work with date - fine. No addendum when dates were missed - fine. H...
by ddurrett896
Sat Jun 09, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5360

Re: daughter wants a college transfer?

Her reasons are: - class size too big (600+ in some cases) - feels student body is entitled and doesn't feel like it's a good fit - hates greek life, all her friends but one joined What happens if the new school has the same problems with the above? In first year it's common to have large classes f...
by ddurrett896
Sat Jun 02, 2018 6:03 am
Forum: Personal Consumer Issues
Topic: Thoughts on Buying a "Flipped" House?
Replies: 27
Views: 3245

Re: Thoughts on Buying a "Flipped" House?

I wouldn’t buy a flipped home, too many variables. The flip game is all about turning homes as fast as they can and turning a profit. Speed and savings usually nets a cost savings somewhere, could be a lower end fixture...could be not adding adequate subfloor thickness under a new tile floor. There ...
by ddurrett896
Sat Jun 02, 2018 5:53 am
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 33
Views: 2944

Re: 36" or 42" wide Refrigerator?

We have 4 hungry kids, a very active, super hungry, beer loving adult male (myself), and a mere 36" counter depth (shallow) fridge. We also have a freezer chest in the utility room. At first we were hesitant about the reduced amount of room in the 36" counter depth fridge, but it meets our needs. I...
by ddurrett896
Fri Jun 01, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Advice for assisting 18 year old son after high school
Replies: 70
Views: 5560

Re: Advice for assisting 18 year old son after high school

So were considering a monthly "stipend" of say $250 for him and giving $250-500 to his aunt/uncle for "rent" and food. He should also be earning at least minimum wage. Assuming he stays on a good track, we anticipate paying car insurance for another 6-12 months and then perhaps helping with an apar...
by ddurrett896
Wed May 30, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Vehicle Advice for new Boglehead (4Runner)
Replies: 45
Views: 2468

Re: Vehicle Advice for new Boglehead (4Runner)

Thanks for the reply. Curious - why don’t you like the Pro? Just the cost or something else? I definitely plan on keeping it 10+ years. Sounds like you have a sweet set up! 100% cost. SR5 can be bought for around $35k. TRD Offroad around $38k and again I think the $3k for crawl control and KDSS is ...
by ddurrett896
Wed May 30, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: Vehicle Advice for new Boglehead (4Runner)
Replies: 45
Views: 2468

Re: Vehicle Advice for new Boglehead (4Runner)

Thanks for any insight might be willing to offer 2 time 4runner owner here and currently own a 5th gen. In my humble opinion, they are they best vehicle made! First thing is forget about a Pro. I'd recommend an SR5, maybe an Offroad at ~$3k more if you want KDSS and Crawl Control (worth it in my op...
by ddurrett896
Wed May 30, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Used car buying advice!
Replies: 41
Views: 3238

Re: Used car buying advice!

What would y’all do? I wouldn't buy anything close to 200k miles because like most have said, you're in for some potential expensive repairs. I just looked on CarMax and you can get and 08' Toyota Highlander with ~95k miles for around $13k. My guess is that privately you could pick one up for close...
by ddurrett896
Wed May 30, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 7630

Re: Advice on neighbor not keeping up his property...

He is not a bad person and quite friendly. This trumps everything you listed. A friendly neighbor is likely to understand and work with you. I have no idea what to look for in the Townships code as to what code he is violating. A lot of branches from his cut trees are near my fence. I asked him to ...
by ddurrett896
Wed May 30, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12993

Re: how do you tip on wine at a restaurant

I mentioned this earlier. In Seattle the passing of the $15 minimum wage law required by 2021 has influenced restaurants(may also be because of other laws passed as well) to have a mandatory 20% service charge on top of the bill. Was just in Miami and most places we ate included this. I wasn't surp...
by ddurrett896
Tue May 29, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: Best brand of appliances for new condo
Replies: 21
Views: 2272

Re: Best brand of appliances for new condo

I have to pick the new appliances for a new condo. What do you think, and what kind of prices are we taking about? Been happy with GE. My only recommendation would be to skip the water/ice in the fridge door. They are a weak link, take up valuable real estate on the inside and use expensive filters...
by ddurrett896
Sat May 26, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance - has Surrender Value
Replies: 2
Views: 278

Term Life Insurance - has Surrender Value

2 years ago I purchased a 20 year term policy from Protective Life Insurance thru term4sale.com. 30 at the time of purchase and premium was $20/month - in line with the going term rates. Just reviewed my Annual Report and it shows a Surrender Value, I'm guessing is similar to the Whole Life policies...
by ddurrett896
Fri May 25, 2018 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 17335

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

I desire to simplify my finances and I desire to have the peace of mind of a paid off home. I am leaning toward this option. Would I be making a big mistake? You have a large sum of $ and deciding to pay off loan or save - neither is a mistake!!! Personally I would be hard pressed to pay off the mo...