Search found 7 matches

by protective1
Thu Oct 29, 2020 8:27 pm
Forum: Personal Consumer Issues
Topic: mixing time & materials with flat rate for home repair
Replies: 7
Views: 510

Re: mixing time & materials with flat rate for home repair

The concern both masons had with giving a flat rate for the repair is that they'll pull out the 3 bricks and below it will be a wrecked mess. Or the next bricks over will fall apart.
by protective1
Thu Oct 29, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: mixing time & materials with flat rate for home repair
Replies: 7
Views: 510

mixing time & materials with flat rate for home repair

I am hiring a mason to build a retaining wall and fix some brick steps. The mason wants to charge flat rate for building the new wall but time and materials (T&M) for the brick repair. How do I prevent problems with this mix of billing? When I previously mixed paying a (different) mason flat rat...
by protective1
Thu Dec 25, 2014 4:27 pm
Forum: Personal Consumer Issues
Topic: How to choose Fabric Sofas?
Replies: 23
Views: 4543

Re: How to choose Fabric Sofas?

Regarding Crate & Barrel, I've bought a few things from them and the quality is mixed - some furniture has been spectacular and some only so-so. However, their customer service has always been great. When I've had problems with furniture I received from them, they've always done their best to ma...
by protective1
Mon Dec 22, 2014 4:46 pm
Forum: Personal Investments
Topic: investing for newborn child
Replies: 12
Views: 1756

Re: investing for newborn child

Sorry - just to clarify - I work for a private university, not a state university. So the tuition benefit could be worth a bit more (depending on how you define "worth"). The only debt we have is a mortgage. I probably need to save some more for an emergency fund - currently have about 2 m...
by protective1
Mon Dec 22, 2014 4:16 pm
Forum: Personal Investments
Topic: investing for newborn child
Replies: 12
Views: 1756

Re: investing for newborn child

True - no room and board in my benefits. But what if my son decides to live at home since I just live a few subway stops from the university and rent is really expensive here? I guess I don't know where to start investing because I don't know what his ultimate expense will be, and I can't see how I'...
by protective1
Mon Dec 22, 2014 1:52 pm
Forum: Personal Investments
Topic: investing for newborn child
Replies: 12
Views: 1756

Re: investing for newborn child

We've maxed out Roth IRA and 401k contributions. My university doesn't offer 403b. I don't make enough salary for the 457 plan. We have life insurance for both wife and I payable to each other. We just redid our will before my wife was pregnant and didn't name a potential guardian, although we did l...
by protective1
Mon Dec 22, 2014 11:58 am
Forum: Personal Investments
Topic: investing for newborn child
Replies: 12
Views: 1756

investing for newborn child

My wife and I just had a son born this past year. Is there any benefit in starting to save money specifically for him, versus saving money in my current investments that I could give to him later? Our state (MA) offers no tax advantages for 529s or Coverdell ESAs. Additionally, we plan to send our s...