Search found 898 matches

by ddurrett896
Wed Jan 16, 2019 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 110
Views: 5182

Re: Why are your NOT buying rental properties?

So $800 k vs. $320 k. That is a big difference! Average house appreciate is 3.7% - so bring the sale price to $770,000 . Average cost to sell a house is 6%, so now you are at $725,000 Depreciation over 18 years needs to be recaptured. The original purchase price decreased from $400k to $213, making...
by ddurrett896
Wed Jan 16, 2019 9:19 am
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 63
Views: 3670

Re: When would you stop being a Boglehead?

michaeljmroger wrote:
Wed Jan 16, 2019 1:10 am
But I’m curious: at which point would you start considering to delegate the management of your portfolio to firms like Merrill Lynch and Morgan Stanley? $10M? $50M? Literally never?
I think the more money I have, the more Bogleheadish I would be and steer even farther away from ML or MS.
by ddurrett896
Wed Jan 16, 2019 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Govt contractors what would you do
Replies: 7
Views: 1031

Re: Govt contractors what would you do

Govt is shutdown with no answers on when it will open. Expecting a very long and/or unknown future, if you were a self employed contractor what would you do with business income. Anything past 30 days allows for a RIF (Reduction In Force) where positions can start to be eliminated. This includes hi...
by ddurrett896
Tue Jan 15, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6270

Re: A co-worker makes more than me

Is it appropriate to discuss this topic with my manager? and what's the best way to bring it up? Welcome to the real world. The fact is salaries vary and some poor performers make more than top performers. Don’t mention the coworkers name and salary to your boss. Just keep it in your back pocket wh...
by ddurrett896
Tue Jan 15, 2019 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Screwed myself on salary negotiations, how do I get past this?
Replies: 25
Views: 2528

Re: Screwed myself on salary negotiations, how do I get past this?

afoolwithmoney wrote:
Tue Jan 15, 2019 12:31 pm
Lesson to others: don't rush salary negotiations, no matter how excited you are!
In any negotiation, the first to say a price usually loses.
by ddurrett896
Mon Jan 14, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 76
Views: 3481

Re: Duffel Bag vs Wheeled Stand Up traveling

I only use a duffle.

Wheels or hard sides become an issue in tight situations. I can CRAM my duffle to prevent the luggage for having to be checked at the gate.
by ddurrett896
Sat Jan 12, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 51
Views: 5743

Re: Who's flying?

Just flew thru DFW and ATL. Was surprised it was easier than normal.
by ddurrett896
Fri Jan 11, 2019 1:40 pm
Forum: Investing - Theory, News & General
Topic: 403B with Roth Option
Replies: 10
Views: 398

Re: 403B with Roth Option

02nz wrote:
Fri Jan 11, 2019 1:30 pm
- Married couple, $100K of income, live in Texas.
- Married couple, $130K of income, live in NY.
Married couple, $160k of income live in VA. Income will likely never exceed $200k combined.
by ddurrett896
Fri Jan 11, 2019 1:24 pm
Forum: Investing - Theory, News & General
Topic: 403B with Roth Option
Replies: 10
Views: 398

Re: 403B with Roth Option

02nz wrote:
Fri Jan 11, 2019 11:50 am
Most people are best off deferring taxes, but you'd need to post your details for us to make a specific recommendation.
My wife and I are your average Joe Schmoes, middle class, average income, nothing crazy.
by ddurrett896
Fri Jan 11, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12553

Re: Recommendations for a 9mm handgun

tc101 wrote:
Thu Jan 10, 2019 11:52 pm
Protect your hearing.
This

http://www.fightthenoise.org/take-action/#take-action
by ddurrett896
Fri Jan 11, 2019 11:43 am
Forum: Investing - Theory, News & General
Topic: 403B with Roth Option
Replies: 10
Views: 398

403B with Roth Option

My wife works for an employer that offers a 403B and Roth Post Tax 403B. Is this the same thing as a 401k and Roth 401K? Am I better offer keeping her contributions in the 403B and not the Roth 403B? We both currently max out our Roth IRAs. * * * ADDED * * * Married couple, $160k of income live in V...
by ddurrett896
Fri Jan 11, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5476

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

My neighbor has 4 kids with a double cab pickup and 4 door car. When they all ride together in the truck, 3 up front and 3 in the back. Tight but works.
by ddurrett896
Fri Jan 11, 2019 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13795

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

dpa789kd wrote:
Thu Jan 10, 2019 3:56 pm
Now it's really hard for me to find motivation to work as much after hours when the alternative is picking her up at daycare and going to the park!
Have 2 more kids, then the motivation to work more will come back :D

Great story!
by ddurrett896
Wed Jan 09, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: First-time homebuying
Replies: 17
Views: 1176

Re: First-time homebuying

My thinking is that it feels just a hair early, but perhaps OK since we have two sources of income during the period where we will be getting out of PMI and rebuilding a proper emergency fund. Have you checked a credit union for a mortgage? When I purchased my fist home 6 years ago I used NFCU and ...
by ddurrett896
Wed Jan 09, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Balsam Hill - Defective Christmas Tree
Replies: 66
Views: 2751

Re: Balsam Hill - Defective Christmas Tree

Give the FedEx guy $20 to carry inside.

I absolutely love my Balsam Hill tree BUT we add string lights since they will fail one day.
by ddurrett896
Wed Jan 09, 2019 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Negative 13.6% return in 401K for 2018
Replies: 55
Views: 5631

Re: Negative 13.6% return in 401K for 2018

arengarajsug88 wrote:
Tue Jan 08, 2019 2:51 pm
The first 8 months of 2018 were good, but the last 4 months made me have a -13.6% return causing my assets to drop significantly.
What was your 2017 return?
by ddurrett896
Tue Jan 08, 2019 11:39 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12553

Re: Recommendations for a 9mm handgun

MSORSA wrote:
Tue Jan 08, 2019 2:22 pm
Home - Glock 17 with light
Carry - Glock 19
Exactly what I do plus a 43 when I have to deep conceal.
by ddurrett896
Tue Jan 08, 2019 11:35 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12553

Re: Recommendations for a 9mm handgun

Glock 19: good all around if you buy one gun. Glock 17: home defense. Larger than 19 Glock 26: easier to conceal. Smaller than 19 Glock 43: smallest Glock 9mm, easy to conceal with gym shorts, tank top, etc. Odds are you will purchase more than one. I would do...19 > 43 > 17 > 26 When you buy spare ...
by ddurrett896
Tue Jan 08, 2019 6:04 am
Forum: Personal Consumer Issues
Topic: Kitchen Sink Gurgles (sometimes with water) with washing machine running
Replies: 12
Views: 1054

Re: Kitchen Sink Gurgles (sometimes with water) with washing machine running

Johnbecker wrote:
Mon Jan 07, 2019 11:25 pm
I had a similar sound. Plumber added a vent value T section under my sink. Completely solved the problem.
Got a pic or link to the vent?
by ddurrett896
Tue Jan 08, 2019 5:57 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 22325

Re: What are your property taxes?

This is a criticism of all taxes I can think of (income, capital gains, sales, property). Do you have a better system? Sure.Divide the expense by all people based on what they consume. Here’s a real world example. Where I live, personal property tax is paid on vehicles each year based on their asse...
by ddurrett896
Thu Jan 03, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 45
Views: 2314

Re: best cheap printer

Do you want the best or cheapest?
by ddurrett896
Wed Jan 02, 2019 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Autistic sister being targeted by Nigerian scammers
Replies: 84
Views: 6596

Re: Autistic sister being targeted by Nigerian scammers

Turn off access to the internet.

Or get the guys email and “get sucked in” and show her he’s a fake.
by ddurrett896
Wed Jan 02, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8273

Re: Your ideal home size

Family of 5.

2,000 sqft of house
1,900 sqft of garage :D
by ddurrett896
Sat Dec 22, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Cox Cable -- Should I Switch to Verizon?
Replies: 25
Views: 1306

Re: Cox Cable -- Should I Switch to Verizon?

Cobra Commander wrote:
Sat Dec 22, 2018 3:02 pm
We switch from Cox to FIOS and back every two years when our promotional rate expires. Not worth it to call, the promotional rate from the competitor is better than what the existing provider would offer.
This is what we do except we stay with Fios and alternate between my wife and I.
by ddurrett896
Wed Dec 19, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Kitchen refresh/remodel ideas
Replies: 36
Views: 2431

Re: Kitchen refresh/remodel ideas

It's funny how we in America consider 30 years as old. There are many houses/kitchens that are more than 100-200+ years old still being use in Asia and Europe. Good luck with the remodeling. Those kitchens were made of quality materials 100+ years ago. There were also houses built (or kitchens furn...
by ddurrett896
Tue Dec 18, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: iMac + iPad Pro
Replies: 29
Views: 2213

Re: iMac + iPad Pro

Old Guy wrote:
Thu Nov 08, 2018 6:20 pm
Thanks for the advice. Ordered it. $679 plus tax. I’m tired of struggling with the charging.
Got a link?
by ddurrett896
Mon Dec 17, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and separate accounts - how does it work?
Replies: 98
Views: 5280

Re: Marriage and separate accounts - how does it work?

We still have separate banking accounts. Her paychecks go to her account, mine go to mine. We have a shared credit card for shared expenses - dinner, groceries, kids tuition, etc. Each of us still have our personal credit cards for non- shared expenses(her shoes and clothes, my guns and ammunition)....
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: 80
Views: 5400

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: 89
Views: 5341

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: 249
Views: 20291

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: 4089

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: 2095

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: 2207

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: 1305

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: 5508

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: 5508

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: 2839

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: 668

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: 668

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: 1723

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: 6138

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: 4334

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: 7019

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: 1723

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: 964

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: 5893

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: 6142

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: 1208

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: 5331

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: 5732

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