Search found 1605 matches

by guitarguy
Wed Aug 31, 2011 7:27 pm
Forum: Personal Consumer Issues
Topic: mpg: 65 vs 75 mph
Replies: 39
Views: 5081

sscritic wrote:Who cares about the mileage? It should really be about gallons per mile anyway.


What are you driving, a top fuel dragster? :lol:

When he says "mileage" the OP is referring to miles per gallon (mpg).
by guitarguy
Wed Aug 31, 2011 7:25 pm
Forum: Personal Consumer Issues
Topic: Renting a car for the first time!
Replies: 45
Views: 5534

I haven't looked at that card, but make sure it's a loss damage waiver, not merely a collision damage waiver. You need protection from theft, fire, etc. Incidentally also check if waivers apply to parts of the car. Bring it back without tires and wheels and stereo and seats, and some credit card co...
by guitarguy
Wed Aug 31, 2011 6:06 pm
Forum: Personal Consumer Issues
Topic: Renting a car for the first time!
Replies: 45
Views: 5534

Update: I confirmed with AAA that your personal coverage does carry over to your rental. Since I don't carry collision, he suggested I get some supplemental coverage. I then called my Chase Freedom customer service, and confirmed that they do offer a "collision waiver" (or something like t...
by guitarguy
Wed Aug 31, 2011 6:03 pm
Forum: Personal Consumer Issues
Topic: mpg: 65 vs 75 mph
Replies: 39
Views: 5081

Windows down creates drag, and possibly lift too. Slightly off-topic but interesting nonetheless... We actually did a study on this when I was a Sr. in college, and actually incorporated a study of "windows down" vs. "A/C on" in the summertime. We plotted a data curve that showe...
by guitarguy
Wed Aug 31, 2011 2:03 pm
Forum: Personal Consumer Issues
Topic: Renting a car for the first time!
Replies: 45
Views: 5534

Now...'Intermediate Car - Pontiac G5 or Similar' or 'Standard Car - Pontiac G6 or Similar'...which to go with? The Standard Car is $30 more for the week...so not too bad. I think I'll go with that one at least for now. Here's what you need to do-- look around the internet for Enterprise Coupon code...
by guitarguy
Wed Aug 31, 2011 12:44 pm
Forum: Personal Consumer Issues
Topic: Renting a car for the first time!
Replies: 45
Views: 5534

... from SE Michigan to Jaxonville, NC. .... I just noticed this. Also ask the car rental company if this is OK. The problem is that they sometimes limit you to specific states and they will charge you a lot if you take it out of that area. I just found a quote thru the AAA website. Enterprise has ...
by guitarguy
Wed Aug 31, 2011 10:46 am
Forum: Personal Consumer Issues
Topic: Help: Videos are slow when using wireless
Replies: 20
Views: 1914

Re: Help: Videos are slow when using wireless

By the way, "get a mac" is not an acceptable answer. Aww...come on!! Get a Mac baby!!!! Best thing we ever did...they really do 'just work'. Anywhoo...is the internet slow in general (loading websites and such) or just videos? If the internet is working well and only videos are slow, not ...
by guitarguy
Wed Aug 31, 2011 10:40 am
Forum: Personal Consumer Issues
Topic: Renting a car for the first time!
Replies: 45
Views: 5534

You need to check but your credit card and personal auto insurance will usually cover you pretty well. Do call both the companies to double check since there can be a few exceptions. A real "gotcha" with the credit card collision insurance though is sometimes it is only in effect if you d...
by guitarguy
Wed Aug 31, 2011 9:50 am
Forum: Personal Consumer Issues
Topic: Renting a car for the first time!
Replies: 45
Views: 5534

Re: Renting a car for the first time!

Per your earlier comment, yeah I would book a car now at the best rate you can find, then a couple days before see if you can find a better rate and cancel the other one if it is higher. OK. That's my plan! I'm the same size as you and I've rented cars all over the world, including the smallest com...
by guitarguy
Wed Aug 31, 2011 7:13 am
Forum: Personal Consumer Issues
Topic: extended warranty for washer & dryer
Replies: 18
Views: 3532

Are these appliance warranty plans worth buuying ? NO!! ^ This. The only thing I did purchase the extended warranty for was my fridge. It runs 24/7 and if it ever goes out it needs to get fixed quickly and stuff. Plus it was only $99 for an additional 4 years (after the 1st year from the manufactur...
by guitarguy
Wed Aug 31, 2011 7:09 am
Forum: Personal Consumer Issues
Topic: Renting a car for the first time!
Replies: 45
Views: 5534

Re: Renting a car for the first time!

Check out the AAA website in Michigan--I think it's m (everytime I try it it keeps directing me to the CA AAA website)-- Using that website you should be able to search for rental cars from six or seven-- or more companies. I just happened to do that today for a car rental in FL and Hertz was by fa...
by guitarguy
Wed Aug 31, 2011 7:05 am
Forum: Personal Consumer Issues
Topic: Renting a car for the first time!
Replies: 45
Views: 5534

Re: SHOP AROUND!

Shop around as MUCH as you can. Hotwire.com Priceline.com These two are very good for last minute bidding. You could reserve it on Hertz/Dollar or the cheapest REGULAR outlet you can find. Dont pay for it upfront. Be willing to pay this rate if all else fails. Then, couple of days before when you k...
by guitarguy
Wed Aug 31, 2011 6:59 am
Forum: Personal Finance (Not Investing)
Topic: part-time job + full-time job
Replies: 14
Views: 2173

Make sure you enjoy the PT work. I'm a PT musician and band manager in addition to my day job. If I didn't enjoy running that business (web design, marketing, booking gigs, etc), it would turn into nothing but a mediocre paying burden really fast. But, because I really enjoy it, it's fun and the ext...
by guitarguy
Tue Aug 30, 2011 3:16 pm
Forum: Personal Consumer Issues
Topic: Renting a car for the first time!
Replies: 45
Views: 5534

Renting a car for the first time!

Crazy I know... My wife and I are renting a car to take a 5 day trip (leaving Tuesday night coming home Sunday night) from SE Michigan to Jaxonville, NC. She looked up on the Hertz website and with our AAA discount the best price she could get for a "2nd Level" car (not sure what the heck ...
by guitarguy
Tue Aug 30, 2011 12:06 pm
Forum: Personal Consumer Issues
Topic: Homeowner maintenance poll
Replies: 33
Views: 4754

For the DIYer's: How did you learn? Did you grab books? Use Google? Have a friend? (I know each project is different...) Anyone have a favorite home improvement/maintenance/DIY forum they like for asking questions? (I would name my DIY project forum the "bungleheads" after my current skil...
by guitarguy
Tue Aug 30, 2011 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Financial Goals / Concerns
Replies: 7
Views: 1168

all sorts of additional expenses crop up with kids - crib, car seat, stroller, it can add up. Isn't that what the 'baby shower' is for!!?? We have a big family, time for them to pony up! I've bought multiple $100 diaper bags and all kinds of crap already for people...I want some return on my invest...
by guitarguy
Tue Aug 30, 2011 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Financial Goals / Concerns
Replies: 7
Views: 1168

Wow, eerily similar situation to me. Age/Income/baby aspirations all similar. I've prioritized investing over debt repayment, but whatever works for you is fine. I don't know how much equity you've got in your house, but look into refinancing your mortgage. 5.125% is pretty high for today's standar...
by guitarguy
Tue Aug 30, 2011 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Financial Goals / Concerns
Replies: 7
Views: 1168

How will you pay for the new patio in 2012? Do you have savings set aside to undertake this construction or will you seek to finance it? If you do finance it, can you continue to service the debt while you are the only one working? How stable is your employment? We're already saving for the patio, ...
by guitarguy
Tue Aug 30, 2011 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Financial Goals / Concerns
Replies: 7
Views: 1168

Financial Goals / Concerns

Hi all. My wife and I have been doing well for the first half of 2011 in sticking to (and accomplishing) our financial goals. That said, I'd like to evaluate what we have planned for the rest of 2011, and get some opinions on a couple of matters going forward. Age - Me/26, Wife/25 Gross Income - Me:...
by guitarguy
Tue Aug 30, 2011 6:51 am
Forum: Personal Finance (Not Investing)
Topic: They don't ever give out 1099s??
Replies: 34
Views: 4103

One question that might be asked is whether the band members are contractors or employees. I would be more worried about that than about getting 1099's from the customers. Up until now we've treated everything as 'contract' work/labor/etc. As I understood it, that's the easiest way to go. It is eas...
by guitarguy
Mon Aug 29, 2011 2:12 pm
Forum: Personal Consumer Issues
Topic: Bathroom renovation-advice please!
Replies: 52
Views: 7298

Windows are better than exhaust vents, but install both if possible. IMHO, the more windows the better. Well there is no need to choose really. Exhaust fans should be in all bathrooms regardless. They really help prevent mold and mildew buildup on your ceiling, fixtures, etc by taking all the steam...
by guitarguy
Mon Aug 29, 2011 2:03 pm
Forum: Personal Consumer Issues
Topic: Need Agressive Dog Protection While out for Walks
Replies: 61
Views: 8212

livesoft wrote:if a dog is nasty, the owner is always extremely apologetic.


And most times rightfully so because 90% of the time it's the owner's fault to begin with.

:idea:

Socialize your puppies people!
by guitarguy
Mon Aug 29, 2011 11:14 am
Forum: Personal Finance (Not Investing)
Topic: They don't ever give out 1099s??
Replies: 34
Views: 4103

dbr wrote:One question that might be asked is whether the band members are contractors or employees. I would be more worried about that than about getting 1099's from the customers.


Up until now we've treated everything as 'contract' work/labor/etc. As I understood it, that's the easiest way to go.
by guitarguy
Mon Aug 29, 2011 11:13 am
Forum: Personal Finance (Not Investing)
Topic: They don't ever give out 1099s??
Replies: 34
Views: 4103

You might consider your expenses versus that $600. When I look at my brother's career as a part-time musician it's hard to call it anything other than a labour of love. I doubt he makes more on his gigs than he spends on equipment. If looked at as a business, if he were to carefully track depreciat...
by guitarguy
Mon Aug 29, 2011 10:44 am
Forum: Personal Consumer Issues
Topic: Bathroom renovation-advice please!
Replies: 52
Views: 7298

Double the time estimated, triple the cost estimated. Or do a much better job planning... I remodeled our entire kitchen last year from new porcelain tile flooring to new kitchen cabinets to moving plumbing and gas lines to all new appliances, tearing out soffits, and more. We also bought all the m...
by guitarguy
Thu Aug 25, 2011 1:32 pm
Forum: Personal Consumer Issues
Topic: Replace water heater?
Replies: 8
Views: 1232

Ours just went out last month, started leaking from the bottom. It had an 'installed' sticker of Dec 1990...so we were happy with its life!! I replaced it myself, and also moved it which added some cost onto the project for all new shutoff valves (water and gas) and plumbing supplies. The whole proj...
by guitarguy
Wed Aug 24, 2011 11:12 am
Forum: Personal Consumer Issues
Topic: New [house] Windows
Replies: 13
Views: 1893

How handy are you? A few summers ago I replaced the 15 original single-pane double-hung windows in my 1963 Cape Cod house. I did about two a weekend. I purchased Pela vinyl windows at Lowes and they and all the other materials used, were about $200 per window. Energy star rating too. It was not a h...
by guitarguy
Wed Aug 24, 2011 8:00 am
Forum: Personal Consumer Issues
Topic: New [house] Windows
Replies: 13
Views: 1893

New [house] Windows

I'm likely going to be investing in 6 new windows for the house in the next month or 2. I've lived in my house 3 years, and the previous owner did the whole front of the house in 2006, but didn't do the upstairs (bungalow), back bedrooms, or bathroom, so those are the 6 I'll be doing. First off, any...
by guitarguy
Tue Aug 23, 2011 11:06 am
Forum: Personal Finance (Not Investing)
Topic: They don't ever give out 1099s??
Replies: 34
Views: 4103

It's no problem for you, as long as you keep track and claim it as income and continue to issue 1099s to the other guys as usual. The problem will be for him, because if he's claiming what he pays you as a business expense, the IRS may eventually audit him, and he'll have "a lot of 'splainin' ...
by guitarguy
Tue Aug 23, 2011 7:49 am
Forum: Personal Finance (Not Investing)
Topic: They don't ever give out 1099s??
Replies: 34
Views: 4103

Re: They don't ever give out 1099s??

Think how much more he would have to pay you guys if he issued 1099s to everyone, plus I'm sure it's a headache for them too. Why exactly would they have to pay us more if they gave us a 1099? Every other place that doesn't pay cash gives a 1099 and requires a w9 so this is just new to me that's al...
by guitarguy
Tue Aug 23, 2011 7:45 am
Forum: Personal Finance (Not Investing)
Topic: They don't ever give out 1099s??
Replies: 34
Views: 4103

livesoft wrote:Did every member of the band get a check? Or did the band get one check?


I get a check and then I pay each member accordingly. They each get a 1099 from me at the end of the year.
by guitarguy
Tue Aug 23, 2011 7:02 am
Forum: Personal Finance (Not Investing)
Topic: They don't ever give out 1099s??
Replies: 34
Views: 4103

They don't ever give out 1099s??

I'm a musician and I just played a performance at a local (A-List) venue with my band. We made more than $600 for the performance...which puts us in 1099 territory for 2011 with this place even if we don't play any more shows there this year. They paid by check but were surprised when I asked if the...
by guitarguy
Wed Aug 10, 2011 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refi and PMI Questions
Replies: 6
Views: 944

Re: Mortgage Refi and PMI Questions

SVariance1 wrote:What a coincidence. I play guitar and I am looking to refi


Nice dude.

I'm a semi-pro guitarist. I play in and manage a pretty successful Top 40 Rock cover band. We play clubs, casinos, a wedding here and there. It's fun and decently profitable.
by guitarguy
Wed Aug 10, 2011 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refi and PMI Questions
Replies: 6
Views: 944

Thanks for the info guys.

I don't have the funds available to do a new conventional loan at the moment. Too busy saving for a cash owned new car within the next few years, paying down student loans, maxing our Roth, etc.

Ah well...looks like I have a few years of PMI left. Come on 78%...
by guitarguy
Wed Aug 10, 2011 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refi and PMI Questions
Replies: 6
Views: 944

Mortgage Refi and PMI Questions

I first bought my house in April 2008, with an FHA loan at 6.25%. When rates fell in mid 2009 (thereabouts) we did an 'FHA Streamline' refi to 5.125%. 2 questions: 1. With our current rate and about 2 years into our current loan, should we look into refinancing again? We plan to stay in the house an...
by guitarguy
Tue Aug 09, 2011 11:18 am
Forum: Investing - Help with Personal Investments
Topic: About to convert from VG STAR to TF2045
Replies: 4
Views: 973

Thank you guys for the advice.

Since they lowered the maximum, I just did the conversion today without adding any additional funds.

I will stick to my contribution schedule and make the next one on the 1st as planned.
by guitarguy
Tue Aug 09, 2011 7:03 am
Forum: Investing - Help with Personal Investments
Topic: About to convert from VG STAR to TF2045
Replies: 4
Views: 973

About to convert from VG STAR to TF2045

I have one more $416.66 contribution to make, and I'll be above the $3k minimum for holding the Target fund at VG. I have 2 questions about the conversion... 1. My normal contribution date would be Sept 1st, but should I pull some cash out of savings and make the contribution early given the low mar...
by guitarguy
Fri Aug 05, 2011 6:39 am
Forum: Investing - Help with Personal Investments
Topic: 1 more rebalancing question...auto rebalance?
Replies: 2
Views: 549

1 more rebalancing question...auto rebalance?

I have my 401k through Prudential and they have an automated quarterly rebalancing program.

Right now (I believe by default) it is on. Is this a good thing?

Seems them doing it on an automated schedule takes my emotion out of it and keeps it regular, which seem like good things.
by guitarguy
Thu Jun 30, 2011 3:22 pm
Forum: Personal Consumer Issues
Topic: How much and what booze to get?
Replies: 29
Views: 3290

curly lambeau wrote:
Ted Valentine wrote:I think 2 drinks per adult is a good standard.
We know who isn't from Wisconsin. :)


Well hey...we are talking Sunday brunch and it's July...so it ain't a football tailgate! :lol:

Not sure if/how it would go with your menu, but Summer Shandy is an excellent summer beer. I love it.
by guitarguy
Thu Jun 30, 2011 1:58 pm
Forum: Personal Consumer Issues
Topic: Does Anyone Else Play Guitar?
Replies: 42
Views: 5517

Everyone should learn an instrument, IMHO. Makes the world a better place. Not always so. In my experience, practicing a difficult passage makes some people very angry. If you're one of these people, here's a good practice tip. Keep a bag of lightbulbs next to you as you practice. When you feel lik...
by guitarguy
Thu Jun 30, 2011 11:41 am
Forum: Personal Consumer Issues
Topic: While we are on the topic of dogs- Recommendations?
Replies: 58
Views: 5050

I also think that crates are poor compromise, and I don’t feel any dog feels comfortable in them. No offense, but this is total nonsense. Not only do dogs like their crates, but they are invaluable in potty training and to have a safe space for the dog when you need it. Train your dog right at a yo...
by guitarguy
Thu Jun 30, 2011 11:01 am
Forum: Personal Consumer Issues
Topic: Does Anyone Else Play Guitar?
Replies: 42
Views: 5517

ironically after getting really good at Guitar Hero (the video game) really fast. Not ironic at all. That game has inspired plenty of people to pick up "real" instruments. It's a total gateway drug. My BIL, for example, got so good at Rock Band that he went out, bought a set of actual dru...
by guitarguy
Thu Jun 30, 2011 9:18 am
Forum: Personal Consumer Issues
Topic: Does Anyone Else Play Guitar?
Replies: 42
Views: 5517

stemikger wrote:I’m nursing a callous on my thumb right now.


Push through it!!

I tear skin off my fretting fingers at every gig, but heavy bends and a mean attack is the only way I know how to play! :roll:
by guitarguy
Thu Jun 30, 2011 9:14 am
Forum: Personal Consumer Issues
Topic: Does Anyone Else Play Guitar?
Replies: 42
Views: 5517

Cool...haven't been to the forum in a while and I see a guitar thread! I'm a semi-pro guitar player. I'm in a cover band that plays about 4 shows a month at various bars, golf/country clubs, and at a regular casino gig. I really love it and it's a great/fun way to make some decent extra money too. ...
by guitarguy
Thu Jun 30, 2011 7:40 am
Forum: Personal Consumer Issues
Topic: Does Anyone Else Play Guitar?
Replies: 42
Views: 5517

Cool...haven't been to the forum in a while and I see a guitar thread! I'm a semi-pro guitar player. I'm in a cover band that plays about 4 shows a month at various bars, golf/country clubs, and at a regular casino gig. I really love it and it's a great/fun way to make some decent extra money too. I...
by guitarguy
Tue May 31, 2011 9:54 am
Forum: Personal Consumer Issues
Topic: iPhone 4 purchase on Verizon
Replies: 21
Views: 2879

Went from AT&T iPhone 4 to Verizon iPhone 4 Much better experience. Can actually surf the next etc now, despite the supposedly faster AT and T network I think this might depend on your location. I have the 3GS and it does fine on AT&T. Plus remember, you can't talk and surf at the same time...
by guitarguy
Tue May 10, 2011 11:15 am
Forum: Personal Consumer Issues
Topic: Convertible Hand Truck / Cart
Replies: 4
Views: 726

Convertible Hand Truck / Cart

Anyone have a nice one of these? I'm looking for something that can be used vertically like a normal style hand truck, and tha also converts down to a flat bed cart. I've seen them at Home Depot and they look half decent for around $130, and there are lots available online ranging from around $80 to...
by guitarguy
Mon May 09, 2011 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Home Maintenance Expenses
Replies: 47
Views: 11000

I think the OP should distinguish 'maintenance' from upgrades and renovations. 1% IMO is way WAY low if you add these in. I have a $105k house and just did a complete kitchen remodel last year for about $10k...it'll take me 10 years with little or no expenses to get back to that 1% average. It's not...
by guitarguy
Mon May 09, 2011 2:55 pm
Forum: Personal Consumer Issues
Topic: Cover Letter in Job Application Process
Replies: 22
Views: 2689

Boglenaut wrote:The resume can be identical, but cover letters should be custom.


Unless there are skills or experience that apply to one position and not another...
by guitarguy
Mon May 09, 2011 2:45 pm
Forum: Personal Consumer Issues
Topic: Cover Letter in Job Application Process
Replies: 22
Views: 2689

I'd try to tailor each one to each position, and try to illustrate the qualities and strengths you have to offer and how they directly apply to each job. But that's just me. I don't really send out a 'general' anything. Any potential employer, whether for my day job or my side business, gets a custo...