Search found 1117 matches

by renue74
Fri Aug 17, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Quote from Electrician
Replies: 46
Views: 2592

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: 6935

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: 5504

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: 5504

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: 5504

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: 5504

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: 2773

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: 5504

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: 1905

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: 15
Views: 1559

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: 5504

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: 1651

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: 2397

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: 1024

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: 1230

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: 1230

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: 1953

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: 35
Views: 2028

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: 4711

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: 1827

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: 2082

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: 9465

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...
by renue74
Fri Jul 27, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Home Addition Finance
Replies: 48
Views: 2602

Re: Home Addition Finance

Make sure you don't overprice your house for your neighborhood. It's better to not have the most expensive house in the hood. Are you prepared to live in a long term remodel? I hear remodeling is one of the highest stressors of a marriage. If not happy with a new house, I would probably take the wai...
by renue74
Fri Jul 27, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Personal Loans
Replies: 4
Views: 599

Re: Personal Loans

Local credit union may be the best option. I see my local union has unsecured loan ads in their branches.

I got a used car loan from them for 1.9% earlier this year. Seems like local credit unions are always pretty competitive.
by renue74
Thu Jul 26, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance
Replies: 11
Views: 1228

Re: Umbrella Insurance

My policy is for $3M. I just called and added another rental property to the policy last week. It pushed it up $60/year....to $510/year.
by renue74
Thu Jul 26, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance
Replies: 11
Views: 1228

Re: Umbrella Insurance

Hi - Question regarding umbrella insurance... I currently have umbrella insurance (as I own several investment properties), and recently read that umbrella policies typically cover 4 properties. What do real estate investors do when thew own more than those number of properties? I.e. if I'm startin...
by renue74
Thu Jul 26, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: How to Learn Italian (a little) Before Trip to Italy
Replies: 34
Views: 2055

Re: How to Learn Italian (a little) Before Trip to Italy

Wife and I spent 2 weeks in Italy. Other than the please, thank you, conversations....that most folks understood english. It's a romance language, so if you know a little spanish...it's similar. Rick Steves has a little pocket dictionary, which was nice to have, but with Google Translate, I found mo...
by renue74
Wed Jul 25, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to change one's career in their 40s?
Replies: 88
Views: 7712

Re: Is it possible to change one's career in their 40s?

I don't really have a ton to contribute...but I'm in my early 40s and in IT....own a small web design agency (4 employees). Been doing this for about 20 years and sorta burned out last year. I'm in the same boat. I looked at other jobs on Indeed, etc., but you know what the deal is. You're "just co...
by renue74
Tue Jul 24, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to change one's career in their 40s?
Replies: 88
Views: 7712

Re: Is it possible to change one's career in their 40s?

I don't really have a ton to contribute...but I'm in my early 40s and in IT....own a small web design agency (4 employees). Been doing this for about 20 years and sorta burned out last year. I'm in the same boat. I looked at other jobs on Indeed, etc., but you know what the deal is. You're "just com...
by renue74
Tue Jul 24, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Cablevisions Bill
Replies: 31
Views: 1337

Re: Cablevisions Bill

Playstation VUE, Sling TV, Netflix, Hulu, Kodi, Roku.....there are so many options. Cable TV will never get another dime from me. Direct TV will never also. Whatever you do, you will learn to adapt to it. We cut the cord a few summers ago and my wife and kids hated me for about a month. Then, they ...
by renue74
Tue Jul 24, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Cablevisions Bill
Replies: 31
Views: 1337

Re: Cablevisions Bill

Playstation VUE, Sling TV, Netflix, Hulu, Kodi, Roku.....there are so many options. Cable TV will never get another dime from me. Direct TV will never also. Whatever you do, you will learn to adapt to it. We cut the cord a few summers ago and my wife and kids hated me for about a month. Then, they a...
by renue74
Tue Jul 24, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 7814

Re: Son Hurt at Summer Camp

I've designed dozens of camp websites...so that makes me an absolute expert on camp liability. (OK...maybe not) Anyways, every camp I've worked with has parents sign liability waivers, etc. My understanding is those waivers are pretty much scare tactics. The camps where I've heard of accidents happe...
by renue74
Tue Jul 24, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Are laminate floors better-wearing than real hardwood?
Replies: 36
Views: 2724

Re: Are laminate floors better-wearing than real hardwood?

I just refinished some antique heart pine flooring in a 85 year old house. Original floors.

Put the laminate flooring in and come back to this forum in 85 years and tell us how it's holding up.
by renue74
Mon Jul 23, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Real estate partnership
Replies: 14
Views: 1015

Re: Real estate partnership

Liberty1100 comment about incentivizing your flipper is good. I've seen deals where "friends" get together and one has the capital and the other has experience. Most of the time, the outcome is that the project extends way past the estimated completion date and the friends fight a lot about completi...
by renue74
Fri Jul 20, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: Direct Real Estate Returns
Replies: 363
Views: 16170

Re: Direct Real Estate Returns

I accept that. BTW, how does one get in on a group of RE investors like you are part of? I would love to find a group like that that is looking for some capital and participate initially as an investor. Then learn the ropes and maybe go off on my own. Just trying to avoid the learning curve. Willin...
by renue74
Fri Jul 20, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Sail boat budget
Replies: 13
Views: 1924

Re: Sail boat budget

Oh goodness. I have a little old 23' Oday and that thing costs me about $1500/year in maintenance. I can only imagine how much a $100K sailboat would cost. I love sailing, but with most hobbies I have, they last a few long years and then my passions take me to other endeavors. In the case of sailing...
by renue74
Fri Jul 20, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Denied Umbrella Coverage Twice - What now?
Replies: 11
Views: 1474

Re: Denied Umbrella Coverage Twice - What now?

I was denied personal umbrella insurance coverage by two companies and I'm not sure how to proceed from here. Would appreciate some advice. Primary residence is with my parents and sibling in NJ. Home is owned by parents and insured through AAA. Cars are insured through Geico in an account under my...
by renue74
Thu Jul 19, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Fence question
Replies: 18
Views: 1650

Re: Fence question

I have yet to live in a town where there wasn't a rule on the books about where the fence can go in relationship to the property lines so definitely check that out. Also, I wouldn't mulch. Mulch breaks down quickly and flying birds, wind distributed seeds, etc. bring weeds that thrive in the broken...
by renue74
Thu Jul 19, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Fence question
Replies: 18
Views: 1650

Re: Fence question

We are moving in a couple weeks and I am trying to set up a fence install soon after we move in. One of the side neighbors has a black ornamental 4 foot fence that is setback about a foot from the property line. We want to install a 6 foot vinyl privacy fence on all sides of the back yard which cre...
by renue74
Thu Jul 19, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: sams club - new member
Replies: 22
Views: 1607

Re: sams club - new member

We only have a local Sams Club. The nearest Costco is 30 minutes away and I've never been inside it. I shop there for office snacks and soft drinks for my company and they have a huge selection of bakery items....which is nice. Ours also has a gas station, which is a good deal. I bought tires for my...
by renue74
Wed Jul 18, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: Direct Real Estate Returns
Replies: 363
Views: 16170

Re: Direct Real Estate Returns

I've been running a what I think is a valid test case on RE investing, that I would like to share, fwiw. At this point, I really have to question the rosy scenarios laid out by some of the RE boosters here. However, I'd really like to hear from those who can point out where my test case is wrong, b...
by renue74
Wed Jul 18, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Question about new construction basement houses
Replies: 19
Views: 1382

Re: Question about new construction basement houses

We have a walk out basement in S.C. Not new construction....but the home was built in 1996. When we bought it in 2002, we had HVAC run a duct to it and 1 small return...because at the time, my wife was using it as an office. Consistently cooler in the summer. Our HVAC costs are minimal. Stays warm i...
by renue74
Wed Jul 18, 2018 6:33 am
Forum: Personal Consumer Issues
Topic: Hardwood Floors
Replies: 15
Views: 2243

Re: Hardwood Floors

+1 For selecting solid hardwood and having it installed, sanding and finished. You can never go wrong with that choice. Depending on what area of the country you are in, wood types may differ. In my area (Southeast), we have a prominence of red oak and pine flooring (in older homes). With great top ...
by renue74
Tue Jul 17, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 21
Views: 1944

Re: Need Help Evaluating HVAC Needs and Quotes

Get a Manual J Load Test on your home. HVAC company goes through and looks at all the windows, factors in insulation, etc. and gives you a better idea of the system you need. A Manual J test cost about $150 here. It's hot and humid where we are in the Southeast and we have a heat pump in our 2nd flo...
by renue74
Fri Jul 13, 2018 1:03 pm
Forum: Investing - Theory, News & General
Topic: Real Estate Investment: Yay or Nay?
Replies: 27
Views: 2173

Re: Real Estate Investment: Yay or Nay?

Bad rental. Your rental analysis:

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

Banks will require at least 25% down because it's an investment property.

You'll net -3.28% per year and that's bare bones accounting for expenses.
by renue74
Fri Jul 13, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: Direct Real Estate Returns
Replies: 363
Views: 16170

Re: Direct Real Estate Returns

My rental testing sheet: https://docs.google.com/spreadsheets/d/1uKk-f2aAGNtGNGdXnWvVQWuMR5JmR8Dz425poxCIC2s/edit?usp=sharing In the South, we can buy houses for $38K. I just bought one in March. (Though, they are getting less and less frequent these days) I have 3 rentals and the average about 14%....
by renue74
Fri Jul 13, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Logging out 20 acre lot?
Replies: 37
Views: 2604

Re: Logging out 20 acre lot?

I'm assuming the lumber you are cutting is for pulpwood for paper. Depending the wood, prices are pretty high right now....but it sounds like you're going to be swimming against the current as far as the value. Why not just let it go back to the bank. To me, it sounds like you're trying to save it, ...
by renue74
Wed Jul 11, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3432

Re: Masterbath Remodel - Tub or No Tub ?

Smaller tiles on shower floors are also designed for the shower floor slope. Mosaics are easier to lay with the floor sloped to the drain. I just installed a 36" x 60" shower in an AirBnb I'm working on and used a marble mosaic with small 1" rectangular tiles. Used a preslope tray and it worked fine...
by renue74
Wed Jul 11, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Printing photos from JPG files
Replies: 30
Views: 1192

Re: Printing photos from JPG files

The paper is pretty much the same across the board. There are not many manufacturers who make photo paper any longer. As one poster noted, the limiting factor may be your JPEG. Most pro photographers shoot in .RAW format...which has a lot more data in the file than a JPEG. In layman's terms, let's s...
by renue74
Tue Jul 10, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Printing photos from JPG files
Replies: 30
Views: 1192

Re: Printing photos from JPG files

Put the images on a thumb drive and you can take them to any Walgreens, CVS, Walmart and they will print them for you.

I think most of those places also give you the ability to manipulate the images a little....cropping, B/W, sepia, etc with on-screen adjustments before you print.