Favorite team:LSU 
Location:BR
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Number of Posts:2974
Registered on:7/17/2007
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re: After your bills are paid..... - lsujro
[quote]Yep. Another thing Iike to do is maintain constant access to interest free money should I need it. [/quote] discover is really good about doing this with existing cards. i basically always have either a 0% for a period offer or a 0% for 18mo w/ a small transfer fee offer. discover is good ...
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re: Food Budget - lsujro
[quote]Family of 4 and we spend around $1400 per month. We typically buy organic option when available and if not ridiculously priced. This budget includes household items you would buy at a grocery store, restaurants, and alcohol. [/quote] we probably spend a around this for family of 4 (one ba...
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re: Worth it to refinance student loan even though it’ll be paid off soon? - lsujro
sofi is free to refinance, but for that small of a difference probably not worth the effort....
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re: Is negotiating on a used car no longer a thing? - lsujro
[quote]Financing through them or their preferred lenders. They get money for that.[/quote] this is a good negotiating tool. i did this with one of my cars. it was free to refinance with my preferred lender later....
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re: Is negotiating on a used car no longer a thing? - lsujro
[quote]Bought a 1-year old car for my wife last summer. Made offers on two cars before landing on one. First two dealers wouldn't even budge $500. Different experience than even 5-years ago when I bought mine. [/quote] this has been my experience as well. of course, i went 100-200 miles on my la...
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re: Rent House with Foundation Problems - lsujro
i'm not an accountant, but i would expect something like that to be a write down of the income from the house on your taxes also. ...
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re: Owners Title Policy for a home? - lsujro
[quote]That is a good explanation and convinced me. I appreciate it [/quote] fwiw, a lot of the things in that response are significantly overstated at least in LA. that said, some of that stuff could definitely cause you a headache and cost your money to defend, so the title insurance could at ...
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re: Tenant Problem With Property Management Company - lsujro
unfortunately there is not much you can do that wouldn't cost you more than $700 in money or time. ...
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re: Home Remodel - lsujro
[quote]You sound knowledgeable. I have a few properties under my belt so far but I would definitely describe myself as still inexperienced. Thoughts on installing HVAC to a property with no priors (all window units).[/quote] seems like a minisplit may be more practical ...
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re: Help with budgeting/finances strategy - lsujro
[quote]I'm surprised you don't have minimum of $1MM in Term.[/quote] agree. it's too cheap to not have if you are reasonably healthy....
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re: Help with budgeting/finances strategy - lsujro
i don't think of my finances on quite the granular level that you do, but if it were me, i'd just stash the extra money until the right opportunity for investment opened up. for instance, you already have a rental, so you are familiar with that type of investment. save the $500 for a while until you...
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re: Just put in my first application on a Mortgage - lsujro
[quote]Don't let all of them do hard pulls on your credit.[/quote] i believe multiple pulls of your credit in a short period of time (don't remember the length off the top of my head) just shows as a single pull for score purposes. you are not penalized for shopping around as long as you don't dr...
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re: Probate Court - lsujro
in addition to his bills incurred while living (hospital), his funeral expenses will also be a deduction from his estate. if someone else in the family ponied up for the funeral, they can be paid back out of the estate. unless somebody else's name was on his accounts, the bank will not let you touch...
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re: WWMBD, Re: Counteroffer - lsujro
[quote]And send the person who made the offer at the university a care package thanking them for the raise! [/quote] This if she stays put (though don't mention the raise). She should be very gracious to the university for the opportunity, say it is not right for her at the time, but ask that t...
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re: Buying a used Audi, any wiggle room at the dealer? - lsujro
[quote]There might be some wiggle room, but my understanding is dealers typically have used cars aggressively priced and you can’t do a ton of negotiating as you would a new car.[/quote] this was the case with the last 2 i bought. i shopped about a 300mi radius and went to dealers with best price...
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re: Would you drive it: Tesla Pick-Up (sans Nutz) - lsujro
[quote]Elon is a visionary, not a businessman. It's easy to understand why people don't like the business of overpromising, overpricing, and federally subsidizing a car. [/quote] agree on everything but the "federally subsidizing." musk has zilch to do with government subsidies on electric vehicl...
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re: Talk to me about credit card rewards - lsujro
If you are an Amazon Prime user, I recommend the prime card. 5X points on Amazon, 2X on gas, groceries, restaurants, drugstores. I buy lots of my household stuff from Amazon and have racked up about $200 in points over 2-3 months. Points can be easily used at Amazon by just checking a box. I also us...
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re: If you sign a non compete clause, and the contract is changed - lsujro
the whole nca may or may not be null, but anything added after your signature would certainly be. LA is very strict with nca's, which works in your favor....
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re: Why it's hard to support local retail businesses - lsujro
a type of spray paint is typically used for these applications - it's called field paint or striping paint i believe...
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laptop for work rec - lsujro
I'm looking for the best laptop for work around $1000 (or preferrably a little less). I do not run any intensive applications like CAD or photoshop or anything - just basic office functions of browser, word processor, Acrobat, excel, etc. (usually at same time). I want this to replace my current d...
Posted on Tech Board
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