Search found 688 matches

by ddurrett896
Wed Feb 21, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Need VISA - 1.5% plus mobile alerts
Replies: 4
Views: 178

Need VISA - 1.5% plus mobile alerts

Looking for a Visa card with atleast 1.5% and must be able to get mobile alerts on charges. Wanted Capital One Quicksilver but CO hates my churn with them. Thanks
by ddurrett896
Tue Feb 13, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 126
Views: 8974

Re: What big item (>20k) are you saving up for?

1,000sqft garage addition.
by ddurrett896
Mon Feb 12, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns
Replies: 41
Views: 4397

Re: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns

Depending on the circumstance, I would exchange it too. This bag looked like something from the 80's. Plus, the customer had it personalized with their initials. Sorry - I'm a stickler for getting my money worth but I was mind blown this lady had the audacity to try to return. The equivalent would ...
by ddurrett896
Sun Feb 11, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns
Replies: 41
Views: 4397

Re: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns

Absolutely love LL Bean and think it's the right move.

The last time I was in there checking out, a lady was trying to exchange a piece of luggage that she had monogrammed and it looked like it was dragged down the interstate.
by ddurrett896
Fri Feb 09, 2018 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Stay at American Funds or move to Vanguard?
Replies: 14
Views: 1284

Re: Stay at American Funds or move to Vanguard?

Move. Did the same about 3 years ago and never been better.

Between the high ER and front kid few, you’re best bet is to move.
by ddurrett896
Thu Feb 08, 2018 10:19 pm
Forum: Investing - Theory, News & General
Topic: How to deal with regret
Replies: 87
Views: 7386

Re: How to deal with regret

Estimated GDP is 5.5%, manufacturing is coming back, coal is coming back, money is moving back to the US, companies are having record profits. The rise in interest turned people off but it’s an indicator that an economy is doing well. Log off Vangurd and come back in a month.
by ddurrett896
Tue Feb 06, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Life Balance of spending and saving
Replies: 54
Views: 4543

Re: Life Balance of spending and saving

- There is a very nice/safe neighborhood (country club) pool in our neighborhood. It is about .25 miles away and costs a membership fee of 1200 yearly to access. Presently we are not members. This is a no brainer for me. Buy a nice golf cart for the family and use that for back and forth to the cou...
by ddurrett896
Thu Feb 01, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: Alaska rental car - what is the real risk with unpaved roads?
Replies: 36
Views: 2325

Re: Alaska rental car - what is the real risk with unpaved roads?

Real-world, recent experiences welcomed. 2 years ago I flew to Vegas to spent a week in UT and AZ off-road and wasn’t able to rent a 4x4 thru any nationwide rental car company. Ended up booking a full size SUV with every company and walked the rental lot until I found a 4x4 Tahoe. Went to the desk ...
by ddurrett896
Tue Jan 30, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Depreciation Recapture
Replies: 12
Views: 1005

Re: Rental Depreciation Recapture

https://www.bogleheads.org/forum/viewtopic.php?p=3753096#p3753096You need to know what the land is worth since you only depreciate the house. You should have to pay depreciation recapture on the difference between the sales price and your depreciation adjusted basis. Say the land is worth $30k. You...
by ddurrett896
Tue Jan 30, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Depreciation Recapture
Replies: 12
Views: 1005

Re: Rental Depreciation Recapture

Why depreciate if you sell and have to pay back tax?
by ddurrett896
Tue Jan 30, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Depreciation Recapture
Replies: 12
Views: 1005

Rental Depreciation Recapture

For the life of me, I can't figure out how to compute the Depreciation Recapture in the event I sold a rental property. If it matters, I will likely sell for less than I paid. 2010: Purchased for $165,000 2013: Moved into new residence 2013 - current: Rented out 2018: Sell for $155,000 Does anyone h...
by ddurrett896
Tue Jan 30, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Buying This Week: IPhone X or IPhone 8 Plus
Replies: 35
Views: 3009

Re: Buying This Week: IPhone X or IPhone 8 Plus

RollTide31457 wrote:
Wed Jan 24, 2018 12:11 pm
Current phone is an iPhone 6 Plus.

Plan to buy the phone outright.

Any strong preferences or recommendations of one over the other?

I'd go with the X. Screen is pretty much the same on both but the actual phone is much larger with plus.
by ddurrett896
Mon Jan 29, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 83
Views: 6593

Re: Neighbor recently burgalerized - Suggestions for home security

In priority order, what suggestions do you have for home security? - in this case it's a single family home (not condo /apartment - but suggestions welcome) - Leave car parked in driveway, indicating someone is home. - Some small sight on front door saying like "please don't knock/ring doorbell - w...
by ddurrett896
Fri Jan 26, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Are 100-year old homes junk?
Replies: 62
Views: 2262

Re: Are 100-year old homes junk?

I'd take an 100 year old home that wasn't maintained, but structurally sound than a 10 year old home that was properly maintained and structurally sound.
by ddurrett896
Thu Jan 25, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 5653

Re: Thinking About Timing the Market

Given the history above, it seems more likely than not that we are closer to the end of the bull market than we are to its beginning. Thoughts? The market increased dramatically when the current president won the election. He also has two children who could potentially run in the future and will li...
by ddurrett896
Mon Jan 22, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: 5GB iCloud storage vs 128GB iPhone
Replies: 16
Views: 1157

Re: 5GB iCloud storage vs 128GB iPhone

I use image capture (built into Mac) instead of Photos. I hate Apple's photos app. Image Capture does everything I used to be able to do with Microsoft Live Photo Gallery, in fact slightly better since it does a better job of knowing "which way is up" with iPhone videos and pictures. using Image Ca...
by ddurrett896
Sun Jan 14, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2263

Re: Do you correct cashier mistakes?

If it’s in my favor, no.
If it’s not in my favor, yes.
by ddurrett896
Fri Jan 12, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1331

Re: Storing Important Documents Online

I use an encrypted Mac .dmg file to store all my sensitive documents. That file is located on Dropbox. I feel comfortable enough that the .dmg file won’t get hacked. For travel purposes, I do have paper copies of all critical documents. And I have a pdf of them stored on my 2FA email account. Blue ...
by ddurrett896
Fri Jan 12, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1331

Re: Storing Important Documents Online

Ice-9 wrote:
Fri Jan 12, 2018 3:33 pm
I'm having trouble thinking of circumstances where a printed copy or electronic copy of such documents would be useful?
Traveling out of the country. Potential for all personal belongings to be stolen.
by ddurrett896
Fri Jan 12, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1331

Re: Storing Important Documents Online

I faced this issue recently and, call me paranoid, but I decided that I simply was not comfortable trusting any online method, even after encrypting the information. Do you have a bank safe deposit box? Really want somewhere I can access from anywhere, so I can access in the event I’m traveling and...
by ddurrett896
Fri Jan 12, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1331

Storing Important Documents Online

Want to keep copies of Passport, birth certificate, SS card and other important documents online. What are you using? Thanks!
by ddurrett896
Sun Dec 31, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Appliance Install Issues
Replies: 40
Views: 2079

Re: Appliance Install Issues

Then they routed the new microwave 110 electric over to the refrigerator socket and hooked it to that outlet. Where was the original microwave plugged in? It's best practice to put a microwave on it's own circuit. I wouldn't be concerned with a fire, just the inconvenience of resetting a tripped br...
by ddurrett896
Tue Dec 26, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Converting printed pictures to digital files
Replies: 15
Views: 1319

Re: Converting printed pictures to digital files

Try the PhotoScan app recommended above. I scanned with iPhone, moved to shared photo album with MacBook, moved photos from MacBook shared album to local folder on hard drive then deleted the shared album. So simple!

I wouldn’t sit and do 5,000 at a time, but just do a couple piles here and there.
by ddurrett896
Tue Dec 26, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Converting printed pictures to digital files
Replies: 15
Views: 1319

Re: Converting printed pictures to digital files

Tyrobi wrote:
Mon Dec 25, 2017 9:29 pm
I use free app from Google: PhotoScan.

After converting pictures into digital files on my iPhone X, it's super quick and easy to transfer to my MacBook Pro.
Went this route and it works PERFECT!!! Can’t believe the app is free.
by ddurrett896
Mon Dec 25, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Converting printed pictures to digital files
Replies: 15
Views: 1319

Converting printed pictures to digital files

my printed pictures have taken over and it’s time to convert them to digital files. Anyone done this and have advice or best practice?

Current computer is a MacBook Pro and iPhone X if there is a decent scanning app. Thanks!
by ddurrett896
Sat Dec 23, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Request: chart showing returns various assets
Replies: 4
Views: 287

Re: Request: chart showing returns various assets

Those work, but there one with a blue background I saw and looking to save. Thanks!
by ddurrett896
Sat Dec 23, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Request: chart showing returns various assets
Replies: 4
Views: 287

Request: chart showing returns various assets

Anyone have the image showing 200 years of returns on stocks, bonds, gold, etc? Saw it on here and can’t locate it.
by ddurrett896
Sun Dec 17, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Lunch Ideas
Replies: 44
Views: 4455

Lunch Ideas

Bring cost conscious, I know a lot of you must pack lunch. What do you eat besides ham/turkey sandwiches? I've got dinner locked down, but always deviate at lunch which is where most of my eating out goes towards.
by ddurrett896
Fri Dec 15, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: 28 Years Old: In the current market, what % into bonds?
Replies: 56
Views: 3877

Re: 28 Years Old: In the current market, what % into bonds?

My question is: As the stock market continues to go up and up, how much should I be putting into my bond index? If I understand prevailing Boglehead theory correctly (and it's very possible I don't) then bonds are currently "on discount" but once the stock market corrects a little bit the value of ...
by ddurrett896
Thu Dec 14, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Property Insurance - Considering Switching
Replies: 6
Views: 614

Re: Property Insurance - Considering Switching

1. Is your house value insured too high? You should only insure the home and related - and not the value of the home including land value. I think it’s priced right and only includes the home, not land. 2. Are you getting all of the multiple policy discounts I am. The only thing I can add is a GPS ...
by ddurrett896
Thu Dec 14, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Property Insurance - Considering Switching
Replies: 6
Views: 614

Property Insurance - Considering Switching

Currently insure property thru State Farm and think about making a change. Prices increases on vehicles that lose value and I get the sense they don't really care to help when I talk to my agent. Started life with State Farm because of my parents and continued to add, never shopping around. Below is...
by ddurrett896
Wed Dec 13, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3333

Re: Access to landlocked timber blocked by landowner

I spoke to the landowner and he stated that the person leasing the hunting ground did not want my vehicle on the north side of the timber because it affected the way the deer traveled. In situations like this, where there is no compromise (old father and pregnant wife), all you can do it fight fire...
by ddurrett896
Fri Dec 08, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Got a little carried away, now stuck...
Replies: 12
Views: 2914

Re: Got a little carried away, now stuck...

I don't use target funds because I save more than most my age and would prefer to carry more risk for now. Edit: I should add that my IRA is the Fidelity 2050 fund. If you want more risk, select a target date fund further out. The problem with adding a little here and a little there, turning a 3 fu...
by ddurrett896
Fri Dec 08, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: sharing cost of tree cutting
Replies: 31
Views: 1717

Re: sharing cost of tree cutting

He is asking me to prune my trees that overhang into his yard and he will split the cost. I'm in the same situation as your neighbor and would never ask to split the cost of something that is my problem. Obviously, if you wanted the tree gone that's a different story, but the overhang is 100% on him.
by ddurrett896
Wed Dec 06, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8918

Re: Want to sell my Bitcoin, but when?

coalcracker wrote:
Fri Dec 01, 2017 7:04 pm
2. Sell half in 2017, half in January 2018. Incur $14,000 gains and offset $6000.
This
by ddurrett896
Wed Dec 06, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?
Replies: 29
Views: 1903

Re: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?

I prefer 2 wheels because they are protected. Luggage carriers throw bags around - 4 exposed wheels are exposed to break.
by ddurrett896
Tue Dec 05, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Past Perception of Automakers vs. Today
Replies: 11
Views: 715

Re: Past Perception of Automakers vs. Today

My experience is American SUV's and trucks hold their value I’ve only seen this with 7.3l Fords. Was in the market for a full size SUV last year. Surburban/Tahoe/Expiditions 3 years old were 50% of their value. Honda Pilot was around 95% and ended up being cheaper to buy new when you factor in bett...
by ddurrett896
Tue Dec 05, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4867

Re: selling an older car on eBay-no bites!

Any thoughts appreciated. Thanks in advance. Sold a 50+ year old car on Ebay a few years ago. My recommendation would be: 1) Put your phone number in the ad so people can call and ask questions. This also puts you in contact with a buyer and the potential to sell outside of Ebay. 2) Set a reserve a...
by ddurrett896
Sat Dec 02, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Safes
Replies: 31
Views: 2195

Re: Safes

praxis wrote:
Sat Dec 02, 2017 6:38 am
Apple & Drop Box

you?
I haven't, but need to. I have some images on the Apple Cloud, however don't like being tied to a service provider in the event I jump ship.
by ddurrett896
Fri Dec 01, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Safes
Replies: 31
Views: 2195

Re: Safes

praxis wrote:
Fri Dec 01, 2017 12:16 pm
the best family photos are in the cloud.
What cloud service do you use?
by ddurrett896
Thu Nov 30, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Safes
Replies: 31
Views: 2195

Re: Safes

I'm considering the acquisition of a fire/burglary safe, specifically a Liberty Lincoln 35, and wonder if anyone in this community has experience with that brand and, ideally, that model, and could comment about their experience with it? Can't go wrong with Liberty! I was in the same boat months ag...
by ddurrett896
Fri Nov 24, 2017 7:20 am
Forum: Personal Consumer Issues
Topic: Which model treadmill to buy
Replies: 18
Views: 1687

Re: Which model treadmill to buy

bloom2708 wrote:
Thu Nov 23, 2017 9:38 pm
Are you serious runners?

If so, find a used commercial treadmill. Try Craigslist. Pre-owned equipment shops.
This x 1000. Workout equipment has to be the worst for purchases that go unused that end up online.
by ddurrett896
Tue Nov 21, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: FIOS contract up - Price Increase
Replies: 18
Views: 1561

Re: FIOS contract up - Price Increase

To those that cancel their service and signup using wife/mom's name, was phone service involved? We wanted to keep our existing phone number so the cancel option didn't seem like it would work for us. I'm trying to convince my DW to drop the phone next time we switch so we can try the name switch-a...
by ddurrett896
Tue Nov 21, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: FIOS contract up - Price Increase
Replies: 18
Views: 1561

Re: FIOS contract up - Price Increase

zimmer0 wrote:
Tue Nov 21, 2017 4:49 pm
A simple name change may not qualify as a "new customer" as the service is being billed to the same address.
I'm not talking about changing the name.
My wife cancels on 12/15/17.
I setup service in my name 12/16/17.
by ddurrett896
Tue Nov 21, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: FIOS contract up - Price Increase
Replies: 18
Views: 1561

FIOS contract up - Price Increase

Current Verizon Fios customer with no contract and discounts that have expired. 50/50 internet with preferred TV and basic phone bundle. Was paying $110/month - bill jumped to $138 and will increase to $160 September 2018 when the last $22 discount expires. If I renew, my best rate is $128, saving m...
by ddurrett896
Wed Nov 15, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 5437

Re: Fair way to split expenses?

50/50.
by ddurrett896
Tue Nov 14, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Scooter insurance for a 20 year old college student
Replies: 22
Views: 1433

Re: Scooter insurance for a 20 year old college student

Red Headed Mommy wrote:
Thu Nov 09, 2017 3:49 pm
Any suggestions I can suggest for him searching for a reasonable rate? I am thinking less of a "big box" insurance company would be better suited for his needs...
I was that age with a brand new 1200cc Harley and a horrible record. Liability was $360/year.
by ddurrett896
Tue Nov 14, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: IPHONE 8, X
Replies: 39
Views: 2500

Re: IPHONE 8, X

I just upgrade from a 6S to the X. Worth the money? Yes. I cycle thru phones every 2 years, so it came down to the 8 and X. While the dual cameras sold me on the X. Yes, they are available on the 7 and 8 however only in the + versions. Being a pocket carrier, there is no way a + is going to fit. The...