Search found 1145 matches

by renue74
Fri Sep 21, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Home away from home
Replies: 16
Views: 1376

Re: Home away from home

Find an AirBnB with good amenities. You can work out a deal to take X week per month with the owner.
by renue74
Tue Sep 18, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Long term stays/vacations
Replies: 11
Views: 1453

Long term stays/vacations

A few years ago, we vacationed in Italy for 2 weeks. The last few days, we took the train to Lake Como. A great way to end a long vacation. At some point, I would love to stay there long term and use that as a "base" for other exploring. Long term = less than 180 days, I know...but maybe 2 or 3 mont...
by renue74
Tue Sep 18, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Attic Insulation Removal/Replacement Costs
Replies: 16
Views: 1198

Re: Attic Insulation Removal/Replacement Costs

I live in SC and just insulated an AirBnb house I'm working on. 1500 sq/ft of space at R49 cost about $1100 in materials. I blew it myself (with my son feeding the blower.) I think your price is a good deal. As one said, removal of the old stuff and sealing are the tough parts. Remove, take the dump...
by renue74
Tue Sep 18, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 205
Views: 13144

Re: What is your single most expensive mistake?

• Paid Financial Planner about $1300/month for almost 2 years. • Bought a $1,500 website domain by mistake. (Clicked too fast and just was trying to finish the transaction. Later sold it, though) • Own a small company, "C" Corp....the tax man double taxes me for the last 20 years. Just cut a check f...
by renue74
Tue Sep 18, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Need help in solving Tenant landlord issue
Replies: 26
Views: 2278

Re: Need help in solving Tenant landlord issue

I'm a landlord in SC. In my state, the landlord is to provide a letter within 30 days of move out indicating any damage and the cost associated with the damage to the tenant....along with the balance of the security deposit. Magistrate doesn't like landlords who don't follow that process. It sounds ...
by renue74
Thu Sep 13, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 2873

Re: How to determine quality of a finished new construction home

Most of the time, the home finishes are a big factor in the final cost of a home. "Builder grade," finishes are things like faucets, etc. that one can purchase from Home Depot, etc. Higher end homes will have designer brand finish materials, often purchased from showrooms. The basics, wood studs, in...
by renue74
Thu Sep 13, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2782

Re: Do you use social media to enhance your travel experience?

When my family travels, I rarely share photos. I do take a lot and upload them to a private Google Photos archive. But, never really share on FB or Instagram. I'm 44 and have swore off using FB. I rarely use it for personal use and only have an account in order to place client Facebook Ad campaigns....
by renue74
Thu Sep 13, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 10990

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

Will give you a POV from a small business owner. A few years ago, sold a side gig business and am FI at 44. Still have main business, but each year, it's harder to get excited about it. The only constant is change....and now I hate to see bad clients and have less effort to appease them. You know wh...
by renue74
Thu Sep 13, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Need burner phone for wife traveling in Italy
Replies: 24
Views: 1858

Re: Need burner phone for wife traveling in Italy

We went to Italy a couple years ago. We used wifi a lot for iMessages....but we also had Verizon turn on a $40 international plan for 1 month.

Worked great. No issues.

I would contact my your current provider and check with them first.
by renue74
Wed Sep 12, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: The Atlantic: 'Why is College In America So Expensive?'
Replies: 27
Views: 2547

Re: The Atlantic: 'Why is College In America So Expensive?'

I saw that NYU is offering free medical school which is a huge incentive to encourage some of the most gifted students that are deterred by the amount of debt. The most foolish thing to me is going to a mediocre school for a liberal arts degree with no career or graduate school plans. Everyone does...
by renue74
Wed Sep 12, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8232

Re: Botched countertop installation - leave it as-is or risk the repair?

Recaulk the sink. The purpose of the caulk is to stop water from touching your cabinets and space below.

It's not a big deal and shouldn't be made into one. It literally takes 2 minutes to recaulk.
by renue74
Tue Sep 11, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off, Considering Multiple Options - Which Would You Recommend?
Replies: 39
Views: 5323

Re: Laid Off, Considering Multiple Options - Which Would You Recommend?

Option 1 - Find another position. Even if not in the same company, you can look for another position. Most likely, you are not ready to change your lifestyle...so finding another job is probably best. Unemployment is at a low...so it may be easier to find a position, even if not as high paying. If y...
by renue74
Mon Sep 10, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 95
Views: 8862

Re: Side Hustle Options/Suggestions.

Amazon FBA, Upwork, TaskRabbit, Amazon Mechanical Turk.

BTW...an earlier poster who said dog walking....I just had lunch with my old business partner. He told me he knows a guy making $50K/year as a full time dog walker. #wth
by renue74
Mon Sep 10, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Home Foundation Water Mitigation in So. Carolina
Replies: 6
Views: 430

Re: Home Foundation Water Mitigation in So. Carolina

I live in SC....near Ft. Mill. I'm pretty sure most of Lexington Co. contains sandy soil. Most homes in this area don't require sump pumps or french drains. To be safe, I would definitely get an inspection on the system. Not from a general home inspector, because they'll basically tell you that you ...
by renue74
Fri Sep 07, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Large Family Trip - Florida or Carribean
Replies: 24
Views: 1703

Re: Large Family Trip - Florida or Carribean

Last summer, we vacationed at Sanibel. I have 2 boys and they loved the shell hunting. Truly the best shells we've ever found. But, that was in July...the water was warm,etc. I probably wouldn't go there in cooler weather. I LIKE warm water also. I don't do any "brisk" water. A few years ago, we wen...
by renue74
Fri Sep 07, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Selling Internet domain name based on family last name.
Replies: 29
Views: 2633

Re: Received inquiry about purchasing domain name based on my own last name. How to respond?

I own a small web design firm. I often have side gigs and buy domains that I may use in the future. About 4 years ago, I bought this stupid domain name from Godaddy. To be honest, I bought it on my mobile phone...while I was tent camping. But, I stupidly paid $1500 for the name. I didn't even really...
by renue74
Wed Sep 05, 2018 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 9797

Re: Max you should invest in a 529?

I started 529 plans for both my kids when they were born. We consistently funded with smaller amounts and each time I had a "big" life experience with money, we would add large chunks. (bonuses, sale of a small business, etc.) We expect our kids to go to a 4 year public university and the going rate...
by renue74
Tue Sep 04, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18089

Re: How to Retire in Your 30's with $1 Million in the Bank

These posts pop up every few weeks. Regardless of post contents, you'll always have the negative comments. It could be a post about the discovery of a Unicorn with rainbow hair that helps sick children recover after surgery and somebody will say something negative. The key is...the title should be "...
by renue74
Fri Aug 31, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: keep rental condo?
Replies: 19
Views: 1319

Re: keep rental condo?

Sell. Your returns are too low and this doesn't even count maintenance expenses such as replacing appliances, carpet, etc.

https://docs.google.com/spreadsheets/d/ ... sp=sharing
by renue74
Fri Aug 31, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7591

Re: I want to pry my friend away from Edward Jones

I had a couple friends with EJ. Had conversations with them, but neither have moved. The thought process of "moving," in itself seems like a heavy duty project....but we know differently. It only takes a few phone calls. I've given up. I try not to talk about investing with friends any longer. It ma...
by renue74
Tue Aug 28, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Installing a new toilet - shut off valve and wax ring
Replies: 33
Views: 2195

Re: Installing a new toilet - shut off valve and wax ring

Just installed 2 "VorMax" toilets in a house. I used the Danco perfect seal ring from home depot. I think it was $10 or so. It's basically a wax ring inside a protected rubber ring. It wasn't as messy and I could reposition the toilet if I screwed up on setting it. https://www.homedepot.com/p/NEXT-b...
by renue74
Fri Aug 24, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: find Hvac contractor
Replies: 14
Views: 1129

Re: find Hvac contractor

The price is not unreasonable. I live 20 minutes south of Charlotte and I put a Trane system in an airbnb house last year. New ductwork, A/C, and gas furnace. It cost $7300. It's not a very DIY project to do because it involves electrical, gas lines (maybe), and other mechanical trades. Plus, local ...
by renue74
Wed Aug 22, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3293

Re: Composite Decking Material

I used the trex hidden fasteners about 5 years ago on my trex deck. Still tight, no complaints. The fasteners provide even spacing between deck boards and are stainless steel fasteners. These are what I used: https://www.lowes.com/pd/Trex-Universal-94-Count-Black-Clip-Deck-Hidden-Fasteners-50-Square...
by renue74
Tue Aug 21, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Maui in 2 days - August 23- cancel trip?
Replies: 12
Views: 1705

Re: Maui in 2 days - August 23- cancel trip?

According to the weather channel projections, 100 mph winds will be over maui on the 23rd. If that's the case, your airline will cancel your flight anyways.

I'm not sure you have travel insurance.
by renue74
Tue Aug 21, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: First Home Project - Flooring Estimates and Material
Replies: 2
Views: 296

Re: First Home Project - Flooring Estimates and Material

Installation pricing is contingent on your location. Get 3 quotes from flooring installers once you decide the material you would like to put down. Also, friends/coworkers may have installer references they can share with you. The wood look tile is nice, but keep in mind...is this a fad or something...
by renue74
Mon Aug 20, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3293

Re: Composite Decking Material

I have the older Trex material....maybe 10+ years ago. It was susceptible to mold and still darkens during the winter months. In the Spring, I'll use composite deck cleaner or my wife uses a bleach/water solution and sprays it down. It looks as good as new after that. I just installed the same old T...
by renue74
Mon Aug 20, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Retire and become an Adventure Guide
Replies: 34
Views: 2774

Re: Retire and become an Adventure Guide

We have neighbors who there mid-20s son is a guide in Alaska. He works there during the "season," and then comes home (Charlotte, NC area) during the off season. He seems to love it and has been doing it for 5+ years. One thing to note, it's definitely not a desk job and there's not a lot of "off-ti...
by renue74
Mon Aug 20, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Sheraton Kauai timeshare
Replies: 35
Views: 3825

Re: Sheraton Kauai timeshare

About 13 years ago, my wife got a "Mary Kay" certificate to the Bahamas. I wasn't super excited about it, because I had been to the Bahamas (Freeport) during one of my college spring breaks and even then, it wasn't high on my list to go back to. I absolutely didn't realize it was a time share deal. ...
by renue74
Fri Aug 17, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Quote from Electrician
Replies: 48
Views: 3462

Re: Quote from Electrician

I just had a 80 year old house rewired. (all studs showing....I had demo'ed all the plaster/lath) I take that back....I ran the all the home run wires, installed the switches, and receptacles, and light/ceiling boxes. I bought all the wire, boxes, etc. and ran everything back to the new breaker box....
by renue74
Fri Aug 17, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 8068

Re: Retire in Florida or Alabama?

When I was 16, my dad retired from the Army (at 43 years old) and moved from Ft. Benning, GA to St. Augustine, FL. My folks were divorced and I would visit him and his 2nd wife in St. Augustine every summer through my college years. I worked for him in his lawn care business...cutting grass in the s...
by renue74
Fri Aug 17, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6132

Re: Terminating an employee with company car

That's an interesting issue. If I choose to bring personal belongings to my employer's place of business, does the employers not have the right to remove them and give them back to me if they wish? To me, it's the same as using the employer's email to send and receive personal messages - the employ...
by renue74
Thu Aug 16, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6132

Re: Terminating an employee with company car

Employee kept a log of personal miles and our accountant helped him keep it square on taxes.
by renue74
Thu Aug 16, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6132

Re: Terminating an employee with company car

Update: I got up early and came to the office at 6:45am. I boxed his personal belongings up. I texted my other employees and told them they could come in a little later. At 8am, he came in and we talked before he had time to go to his desk. It was a short conversation, not hostile. I allowed him to...
by renue74
Thu Aug 16, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6132

Re: Terminating an employee with company car

Update: I got up early and came to the office at 6:45am. I boxed his personal belongings up. I texted my other employees and told them they could come in a little later. At 8am, he came in and we talked before he had time to go to his desk. It was a short conversation, not hostile. I allowed him to ...
by renue74
Thu Aug 16, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Celebrating the day you retired
Replies: 46
Views: 3130

Re: Celebrating the day you retired

taojaxx wrote:
Thu Aug 16, 2018 8:06 am
Found a new job :D
Still working part time 7 years into it. Don't need the money, just for fun.
What is your PT gig now?
by renue74
Wed Aug 15, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6132

Re: Terminating an employee with company car

Just be a decent human being about it. If you want you could drive him/her home. And return with the car. Give them some respect & dignity. I've had to do it & it isn't fun If I was just terminated unexpectedly, I don't think I would want to have the awkwardness/unpleasantness of sitting next to th...
by renue74
Wed Aug 15, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 2080

Re: Sidewalk repair - price in line?

I just had a driveway poured. Concrete is $150 per cubic yard. Manpower to frame and work the concrete was a flat $1000....about a 5 hour job. They came back the next day and used a saw to make cut lines. Sometimes smaller jobs cost just as much because they have to be on site for X hours while the ...
by renue74
Wed Aug 15, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Plan us a trip !
Replies: 17
Views: 2091

Re: Plan us a trip !

With small children we always used to plan water related vacations.

Maui
Oahu
Sanibel Island, FL
Amelia Island, FL
Puerto Rico

We've taken our kids to all of the above and had good vacations.
by renue74
Wed Aug 15, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6132

Terminating an employee with company car

ALL TAKEN CARE OF.


I have the unfortunate need to terminate an employee who has a company car. I own a small company and this is the first time I had to do this with an employee who had a car.

Any suggested protocol for handling the process?
by renue74
Tue Aug 14, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Key West Family Vacation - February
Replies: 25
Views: 1798

Re: Key West Family Vacation - February

I went to KW as a kid (16) with my dad and then again in my late 20s with my wife for a long memorial day weekend. We stayed near Duval....and are not heavy party or drinking people. As much as I "want" to like Key West, I just can't put my finger on why I don't. It is pretty touristy, expensive and...
by renue74
Mon Aug 13, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Rental House Issue
Replies: 21
Views: 2605

Re: Rental House Issue

It's 4 months....let it go. It'll take more time to fight than worth it. Get the tenant out as quickly as possible. Make sure you communicate in writing that the lease has been updated to show a new lease ending. Make them sign it. On that day....get them out, clean up, and post on CL, zillow, truli...
by renue74
Fri Aug 10, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Rental Property as an Investment?
Replies: 20
Views: 1110

Re: Rental Property as an Investment?

It's been listed since May, 2018. How many real estate investors have looked at the property and taken a pass at it since then....my guess is for good reason.

If it were a deal, it would had been swept up by now in this hot market.
by renue74
Fri Aug 10, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Rental Property - Keep, sell or refinance
Replies: 20
Views: 1326

Re: Rental Property - Keep, sell or refinance

Don't use a realtor there isn't any need. You aren't truly selling the house as much as restructuring the partnership and removing your interest. A title company can easily handle that. There should be no need for additional title insurance use the title company used last. The cost of the title com...
by renue74
Thu Aug 09, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property - Keep, sell or refinance
Replies: 20
Views: 1326

Re: Rental Property - Keep, sell or refinance

Property is not cash flowing and it looks like appreciation is not that great either.

https://docs.google.com/spreadsheets/d/ ... sp=sharing

I would sell the property. I would only have rental property that cash flowed.
by renue74
Thu Aug 09, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with attic fans?
Replies: 32
Views: 2090

Re: Anyone familiar wit attic fans?

We have a house built in 1995 and an attic fan that is not very accessible as well. It's over a gable vent that is about 10-15 ft. high in our attic. I would also need to take a ladder to look at the fan. We bought our house in 2002...and the fan never worked. My thought is that the motor went out o...
by renue74
Wed Aug 08, 2018 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Advice needed on final house negotiations
Replies: 37
Views: 2491

Re: Advice needed on final house negotiations

It's a sellers market most places in the US. If I were the seller, I would let your offer to purchase agreement end and move on. There are plenty of other folks out there who would buy the house at this point. To me, you're a high maintenance buyer. The appraisal coming in lower in the price may be ...
by renue74
Mon Aug 06, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Maui Hawaii Trip - How to save money?
Replies: 52
Views: 4993

Re: Maui Hawaii Trip - How to save money?

I just got back from Maui with my family. Used points to stay in Wailea and then Kihei for a few days of VRBO. First time stayed in Maui. I have 2 boys (13 and 15)....so we did a lot of water stuff. We actually bought snorkel stuff on amazon and took it as carry on. (kids did) Jumped off the cliff a...
by renue74
Wed Aug 01, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1918

Re: Why is new strip of lawn different color?

Get your soil tested. In different areas and compare.

Also, you "assumed" the grass seed was the same. You can take the grass to your Coop extension and they can tell you.

Once you have the facts, you can adjust fertilizer or replant different grass seed....but you need the facts first.
by renue74
Mon Jul 30, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: This Water Leak is Maddening
Replies: 13
Views: 2151

Re: This Water Leak is Maddening

We had a similar leak in our home. A leak in an upstairs plumbing run. A water spot appeared in our kitchen ceiling drywall. Plumber came out and cut the wet drywall....but didn't find the leak there. It was actually about 20 ft. up the line in our kid's bathroom. Water was leaking from a supply lin...
by renue74
Mon Jul 30, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Realities of Early Retirement Model (FIRE)?
Replies: 96
Views: 9880

Re: Realities of Early Retirement Model (FIRE)?

It's a play on words. "Early retirement." If you stop working when you're 35 and live off savings....that's what you did. You didn't retire. I would guess that most of these folks at some point between 35 and real retirement would work...maybe in a less stressful situation. I applaud them. Live life...