Search found 1540 matches

by guitarguy
Thu Apr 28, 2011 5:32 pm
Forum: Personal Consumer Issues
Topic: New Carpet
Replies: 13
Views: 1210

:D If I was to re-carpet my WTW I'd use A grey, dark brown or dark green. Light colors pick up the least little dirt in soles. The light colors look, give the illusion of more space but the dark ones look cleaner longer. JMO Well, right now we have wood floors (that are OK but not in the greatest s...
by guitarguy
Thu Apr 28, 2011 5:11 pm
Forum: Personal Consumer Issues
Topic: New Carpet
Replies: 13
Views: 1210

New Carpet

Looking into getting new carpet for our main living area, foyer, and back office and bedroom. These areas are all "connected" to each other. We're not sure if we want all one color (a medium tan is what we are sort of loosely decided on for a color...something basic that won't allow doggie...
by guitarguy
Fri Apr 22, 2011 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Pay contract worker with cash/check to cash?
Replies: 10
Views: 1882

One problem, perhaps, with a check payable to "Cash" is that anyone is able to cashe the check. You have no assurance that this person will be the one cashing the check. If the check is payable to the individual, then that person should be the one endorsing it. That makes sense, but it do...
by guitarguy
Fri Apr 22, 2011 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Pay contract worker with cash/check to cash?
Replies: 10
Views: 1882

I think I'll give it a shot...

Maybe a detailed memo on the front of the check will help. I imagine this will not even be a concern unless I get audited, which is unlikely because I'm pretty darn legit! :roll:
by guitarguy
Thu Apr 21, 2011 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Pay contract worker with cash/check to cash?
Replies: 10
Views: 1882

Pay contract worker with cash/check to cash?

Can you pay someone with cash or make out a check to 'cash' and still report it as misc labor that went out to contract workers, i.e. someone that I paid as a sub for a couple of music gigs? The guys I work with regularly all get 1099s and get paid by check, but this guy is asking for cash or a chec...
by guitarguy
Thu Apr 14, 2011 3:18 pm
Forum: Personal Consumer Issues
Topic: Finding a quality dog breeder.
Replies: 49
Views: 4776

German Shepherds have been bred so much for the sloped back that they have horrible joint problems in their old age. Actually, the main reasons GSDs are prone to hip and elbow problems is because of #1: backyard breeders breeding unhealthy dogs, and #2: people trying to increase the size of the dog...
by guitarguy
Thu Apr 14, 2011 3:09 pm
Forum: Personal Consumer Issues
Topic: Finding a quality dog breeder.
Replies: 49
Views: 4776

I'm married to a veterinarian and also bred labs with my father when I was a kid (though most of my animals have been shelter mutts), so I'll offer my two cents based upon that background. First, I would definitely not say that most reputable breeders are involved in dog shows. In my personal exper...
by guitarguy
Thu Apr 14, 2011 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Pay off debt or invest?
Replies: 16
Views: 2977

Frankly, to echo above responses, 30k doesn't sound like much. I'd personally make the minimum 401k contributions to get a match and pay off that 6.8% loan as fast as possible. It would be hard to get a 6.8% on investments...and that loan interest is compounding as well. While I'm not absolutely su...
by guitarguy
Thu Apr 14, 2011 11:27 am
Forum: Personal Consumer Issues
Topic: Finding a quality dog breeder.
Replies: 49
Views: 4776

I'm married to a veterinarian and also bred labs with my father when I was a kid (though most of my animals have been shelter mutts), so I'll offer my two cents based upon that background. First, I would definitely not say that most reputable breeders are involved in dog shows. In my personal exper...
by guitarguy
Tue Apr 12, 2011 2:40 pm
Forum: Personal Consumer Issues
Topic: 12 pt business cards, too thin or OK?
Replies: 12
Views: 1630

Scott S wrote:Shame, it might look great on Pale Nimbus. :razz:

http://www.youtube.com/watch?v=qoIvd3zzu4Y

- Scott


Never saw that movie :roll:
by guitarguy
Tue Apr 12, 2011 2:36 pm
Forum: Personal Consumer Issues
Topic: 12 pt business cards, too thin or OK?
Replies: 12
Views: 1630

Scott S wrote:
guitarguy wrote:
Opponent Process wrote:do you know if they offer bone?


As a color? Not sure what you mean! But I'm looking for pure white anyways.


Why? They might have eggshell.

- Scott


Our logo was designed (and looks best) on a pure white background.
by guitarguy
Tue Apr 12, 2011 2:35 pm
Forum: Personal Consumer Issues
Topic: 12 pt business cards, too thin or OK?
Replies: 12
Views: 1630

Ask for a sample. 12 pt. sounds like a font size, which says nothing about any parameter of style or quality. By design and template, do you mean upload a logo and fill in the text on the web? These types of offers are pretty common. Do you have a web address? -- Tet pt is a standard way they rate ...
by guitarguy
Tue Apr 12, 2011 2:27 pm
Forum: Personal Consumer Issues
Topic: 12 pt business cards, too thin or OK?
Replies: 12
Views: 1630

Opponent Process wrote:do you know if they offer bone?


As a color? Not sure what you mean! But I'm looking for pure white anyways.
by guitarguy
Tue Apr 12, 2011 2:23 pm
Forum: Personal Consumer Issues
Topic: Finding a quality dog breeder.
Replies: 49
Views: 4776

One of the children in my class had to have several facial plastic surgeries from the family pet taking a bite out of her face when she was 4 years old. I would ask you to respectfully consider delaying adopting a dog until your children are old enough to be careful! That is a horrible and sad stor...
by guitarguy
Tue Apr 12, 2011 1:21 pm
Forum: Personal Consumer Issues
Topic: Finding a quality dog breeder.
Replies: 49
Views: 4776

A reputable breeder is involved with showing their dogs. Reputable and responsible breeders will only breed well tested animals to minimize congenital diseases. Be VERY leery of newspaper ads that claim "champion bloodlines" "parents on site", those are usually backyard breeders...
by guitarguy
Tue Apr 12, 2011 1:17 pm
Forum: Personal Consumer Issues
Topic: Finding a quality dog breeder.
Replies: 49
Views: 4776

Yes I agree with visiting AKC and finding a reputable breeder through them. I'm not positive but I'd guess that Goldens could possibly be prone to hip and elbow problems, so make sure the sire, etc are AKC Certified as "Good" or "Excellent" on hips and elbows (among the other thi...
by guitarguy
Tue Apr 12, 2011 1:09 pm
Forum: Personal Consumer Issues
Topic: 12 pt business cards, too thin or OK?
Replies: 12
Views: 1630

12 pt business cards, too thin or OK?

There is a company offering 1000 12pt matte color business cards for $25. This seems like a great deal to me. All I have to do is do the design and template (which is no problem) and that's it. My only question is, is 12pt appropriate? These will be for my side business as a musician, so I don't nee...
by guitarguy
Thu Apr 07, 2011 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Pay contract employees electronically?
Replies: 16
Views: 2423

You can pay employees from an online business checking account just like you would pay any other bill online. Or you can hire a payroll service and for several hundred dollars a year they will take care of all of the tax forms and pay checks through online bill pay. Well a payroll service is not a ...
by guitarguy
Thu Apr 07, 2011 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Where to put money
Replies: 22
Views: 3122

The car loan has a higher rate than your mortgage rate at 20% down.

I'd put 20% down, knock out the car, etc, and free up some extra monthly cash for yourself as a bonus.
by guitarguy
Thu Apr 07, 2011 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Pay contract employees electronically?
Replies: 16
Views: 2423

Pay contract employees electronically?

Can you do this? Does anyone do this?

I have to write 3 people at least 2-3 checks each monthly and it's annoying. Not sure if there's a reasonably more efficient way to do this electronically or not.

Thanks!
by guitarguy
Thu Apr 07, 2011 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Bathroom floor - what should I get?
Replies: 30
Views: 5155

+1 for laying down some cheap carpet until you're ready to do your full remodel. When you do your remodel, +10 for porcelain. It's durable enough that you can smack it with a hammer and it won't crack. It'll last you forever. Plus (unless you have a mammoth bathroom) the cost increase from ceramic w...
by guitarguy
Wed Mar 30, 2011 10:50 am
Forum: Personal Consumer Issues
Topic: Gutter Guards...what works?
Replies: 33
Views: 8124

Thanks for all the replies. We live in a small bungalow style house, so the roof pitch makes walking around up there a little steep for me. Cleaning on the ladder though is not necessarily that difficult for me...there isn't that much physical length on our small house so I only have to move the lad...
by guitarguy
Wed Mar 30, 2011 9:20 am
Forum: Personal Consumer Issues
Topic: Gutter Guards...what works?
Replies: 33
Views: 8124

Gutter Guards...what works?

We have a large tree that leaves (pun intended) our gutters clogged with those 'helicopters', leaves, debris, etc constantly. I find myself up there cleaning them out quite frequently. I've seen screens, covers, 'pipe cleaner' looking things that you put inside the gutters themselves, and others. An...
by guitarguy
Wed Mar 30, 2011 9:14 am
Forum: Personal Consumer Issues
Topic: Cracked House Foundation - How to Fix?
Replies: 23
Views: 5085

Another note of caution...Everdry is overpriced and they will try to sell you more than you need. My parents had a vertical crack causing water leakage in their basement a few years ago. Everdry quoted a much higher price than another reputable contractor to fix the same thing, and continually pushe...
by guitarguy
Tue Mar 29, 2011 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Rotating 5% back categories for Credit Cards
Replies: 17
Views: 3197

I have a hard time understanding how these companies don't lose money on these deals. For every 1 person that peaks rewards and pays off in full every month and actually makes money off the card like people that roam this forum, there are 4-5 suckers paying loads of interest that are just giddy to ...
by guitarguy
Fri Mar 25, 2011 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can someone PLEASE HELP ME
Replies: 4
Views: 1026

First of all, sorry to hear about your situation. I don't have any advice for you financially because I'm not really familiar with SS benefits, but I'm sure someone on here will help you find the best course of action. One piece of advice I can offer though...try not to panic. Relax, take a step bac...
by guitarguy
Fri Mar 25, 2011 1:43 pm
Forum: Personal Consumer Issues
Topic: OK...should we go to Maui??
Replies: 34
Views: 3359

Random Musings wrote:Aloha !!

(but don't make this a continual financial habit - that will get you into trouble).


:lol:

We won't.
by guitarguy
Fri Mar 25, 2011 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Checking credit reports after cleaning up credit
Replies: 6
Views: 870

Checking credit reports after cleaning up credit

My wife had less than stellar credit when we got married. She had a few past due medical bills and what not back then. Anyways, over the past 8 months or so, we've eliminated all of her outstanding debt, save low interest student loans (that are current). I want to check her credit report to make su...
by guitarguy
Fri Mar 25, 2011 1:04 pm
Forum: Personal Consumer Issues
Topic: OK...should we go to Maui??
Replies: 34
Views: 3359

Where do you live? There may be closer and/or cheaper places to travel which feature similar amenities. I'm generally in favor of travel, as long as the particular trip is truly something you wanted to do. If you and your wife are the type who enjoy a vacation tooling around European cities, or vis...
by guitarguy
Fri Mar 25, 2011 12:27 pm
Forum: Personal Consumer Issues
Topic: OK...should we go to Maui??
Replies: 34
Views: 3359

I'm thinking that patio can be bought with our first use of the 'Child Tax Credit' right??? :twisted: Build the patio (properly) yourself when you get back. Just buy the materials and tools. It's not rocket surgery and sweat equity is a good thing... Definitely into sweat equity...haven't done ceme...
by guitarguy
Fri Mar 25, 2011 11:59 am
Forum: Personal Consumer Issues
Topic: OK...should we go to Maui??
Replies: 34
Views: 3359

And I REALLY hope you don't have a big CC balance you're just paying the minimum on each month. If you do, then I'll have to shake my head, sorry... No CC balance...paid in full monthly to get full advantage of rewards. No bad debt really...just an affordable 30 yr/fixed mortgage and some 2-3% stud...
by guitarguy
Fri Mar 25, 2011 11:57 am
Forum: Personal Consumer Issues
Topic: OK...should we go to Maui??
Replies: 34
Views: 3359

Flashes1 wrote:Do you have a good, stable job? Go!!!! Hawaii is beautiful.


Yes, I'm very lucky to have a stable job and extra monthly income as a working musician.
by guitarguy
Fri Mar 25, 2011 11:51 am
Forum: Personal Consumer Issues
Topic: Online dating sites - worth it?
Replies: 253
Views: 43777

I've not tried any online dating sites...but did meet my wife online. Back when myspace was the hot business for us kids, I was on there bumming around (honest to God not for dating purposes), and when you first logged on back then, they had a whole display of people who were 'online' near your zip ...
by guitarguy
Fri Mar 25, 2011 11:22 am
Forum: Personal Consumer Issues
Topic: OK...should we go to Maui??
Replies: 34
Views: 3359

OK...should we go to Maui??

:lol: Here's the story...friends of ours are getting married there in October and I'd really like to go. It would be a weeklong trip, costing $3k for air/hotel, plus all expenses once we're there...which I'm guessing will be another $1k or more (again...just guessing). I haven't priced any of this o...
by guitarguy
Fri Mar 18, 2011 9:23 am
Forum: Personal Consumer Issues
Topic: Looking for remodeling advice...
Replies: 7
Views: 1393

I can maybe offer some advice. We did a full kitchen remodel last August, after living with our outdated and under utilized kitchen space for about 2 years. We did everything...new cabinets, countertops, baclsplash, appliances, moved plumbing gas and electric, new floor, lighting, ripped out soffits...
by guitarguy
Fri Mar 18, 2011 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Decide when/if to do larger home improvement projects
Replies: 13
Views: 2204

Do the patio. We live on ours. But with small kids a patio is extremely valuable. But you can wait on the other decisions until after child 1 is born. Because not only will your priorities change, EVERYTHING about your house will look different after you've lived there with a child for a few months...
by guitarguy
Thu Mar 17, 2011 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Decide when/if to do larger home improvement projects
Replies: 13
Views: 2204

Re: Decide when/if to do larger home improvement projects

It's my opinion that patio areas are great for the homeowner, but often they do not add $$ to the house, rather personal appeal. What you have to do is see what's standard in your neighborhood. If everyone has patio areas, then putting one in keeps your house competitive with others. If the average...
by guitarguy
Thu Mar 17, 2011 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Decide when/if to do larger home improvement projects
Replies: 13
Views: 2204

Decide when/if to do larger home improvement projects

Some background...we have a small bungalow home and a $103k mortgage in a really nice neighborhood with great schools. We like where we live and our house. We love the small cheap mortgage. We're planning on starting a family this year or next (depending on luck I suppose). We'll have plenty of room...
by guitarguy
Thu Mar 17, 2011 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Pay down 5% fixed or 2.25 ~ 3% variable student loans first?
Replies: 7
Views: 1303

I'm in a similar situation, (sort of). I have mostly federal student loans fixed at 6.8% . I won't get an employer 403b match. I'm still trying to decide if I should contribute to a roth ira or pay off the student loans as fast as possible given the high interest rate. I am leaning towards paying o...
by guitarguy
Thu Mar 17, 2011 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Pay down 5% fixed or 2.25 ~ 3% variable student loans first?
Replies: 7
Views: 1303

noobie wrote:are your variable student loans federal? if so, you should consolidate them immediately to turn them into fixed. Then the choice is obvious on which to pay first.


No unfortunately the variable rate loans are all private.
by guitarguy
Thu Mar 17, 2011 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Pay down 5% fixed or 2.25 ~ 3% variable student loans first?
Replies: 7
Views: 1303

Pay down 5% fixed or 2.25 ~ 3% variable student loans first?

My wife and I have some of each that we're planning to allocate some $ to on a monthly basis after contributing both of our 401k accounts to maximize company match, and maxing 1 Roth IRA. Which should take priority? The higher (albiet not horribly bad) fixed rate or the lower variable rates (simply ...
by guitarguy
Tue Mar 08, 2011 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for new single mom
Replies: 12
Views: 1327

Grim indeed...hard to believe almost.

I guess my question still stands...what the heck should she do? Where does someone start?
by guitarguy
Tue Mar 08, 2011 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for new single mom
Replies: 12
Views: 1327

Health Insurance for new single mom

I have a good friend that needs health insurance. She and her boyfriend just had a baby, I believe the baby is covered under Dad's insurance (or at least should be setup that way right?). They're not ready to get married yet (I dunno...) so that's not an option right now. She is a nanny so there is ...
by guitarguy
Tue Feb 22, 2011 12:55 pm
Forum: Personal Consumer Issues
Topic: Printing 11x17 color posters
Replies: 4
Views: 1593

Printing 11x17 color posters

Anyone know of a good place that can do this on the cheap? Kinkos charges $1.80 each. Not sure if anyone might know of a better option? I'm going to be printing these pretty regularly (maybe 5-10 per month) so I'd like to get the best deal possible. I just need to plug in my flash drive and click 'g...
by guitarguy
Fri Feb 18, 2011 12:30 pm
Forum: Personal Consumer Issues
Topic: Rain X Question
Replies: 9
Views: 1840

callahan00 wrote:Rain X also has a product you mix in with the windshield washer fluid. That's what I use now....


Rain X makes washer fluid right in the jug that has everything in it already...no mixing required. It's all I use and works great, and isn't hardly (if any) more expensive than regular washer fluid.
by guitarguy
Wed Feb 16, 2011 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: 401k is getting rid of my TF, need help with new choices
Replies: 7
Views: 1271

Thanks for the advice guys. I went with: 55% SP Index 15% Core Bond Fund 20% Small Cap Value 10% International for now. I'll start my Roth with the VG STAR fund first with the good ole tax return next month, then switch to a TF when I hit $3k. From there, when the accounts build some value, I'll swi...
by guitarguy
Tue Feb 15, 2011 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: 401k is getting rid of my TF, need help with new choices
Replies: 7
Views: 1271

Thanks for the suggestions so far. Bumping back international and mid caps is an interesting idea that would save some costs. I guess I was just leery of having such a low intl percentage... At your low tax rates, I'd make Roth contributions a priority once you get past match in the company plan. As...
by guitarguy
Tue Feb 15, 2011 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: 401k is getting rid of my TF, need help with new choices
Replies: 7
Views: 1271

401k is getting rid of my TF, need help with new choices

I recently decided to move my whole 401k account into a TF and 'forget it', only to have Prudential scrap all the available TFs altogether now, 1 month later. :roll: Here is our picture: Emergency funds: 3 ~ 4 months Debt: Mortgage $103k (5.125% fixed) My Student Loans: $43k (2.5~3% variable), $3.5k...
by guitarguy
Wed Feb 09, 2011 9:37 pm
Forum: Personal Consumer Issues
Topic: Calling all Macheads...
Replies: 36
Views: 3481

I just bought a Macbook pro in 2010 when my dinosaur PC took a poo (had that since summer '03). I love my Mac for sure. I have the 13" with the slightly older processor and 4GB RAM...which is blazing fast for me. I use mine for similar things as you're planning to, and it has more than enough s...
by guitarguy
Wed Feb 09, 2011 8:22 am
Forum: Personal Consumer Issues
Topic: PDF files and fonts
Replies: 9
Views: 1052

Thanks very much for the info. I will have to look into embedding the fonts that are used I think. I'm designig 11x17 posters with images and text, using 2, sometimes 3 maybe, different types of fonts with some different sizes as well. As long as the file size isn't ridiculous, that shouldn't be a c...

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