Favorite team:Alabama 
Location:Georgia
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Occupation:Firefighter
Number of Posts:1923
Registered on:8/25/2010
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re: Every Fortune 100 Company has now adopted DEI initiatives - GAFF
I work for a fortune 100 utility company. Safety First is plastered on every slogan we have. Honestly, safety is a very important priority to the company. I’ll say this tho, every safety meeting has a DE&I section, never seen a safety topic in a DE&I meeting however…...
Posted on Political Talk
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re: Babysitter (Niece) received 5071c letter. Never Filed A Return - GAFF
[quote]Just stop man. If she had w-2 wages and was under the income threshold, you still would file for her so she would receive all the fed and state taxes she paid back. You dont get to OPT out of social security and medicare tax. You should know that[/quote] Hey bro, eat a dick. Obviously I ...
Posted on Money Talk
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re: Babysitter (Niece) received 5071c letter. Never Filed A Return - GAFF
[quote]Auburn1968[/quote] That was my exact thinking when I filed it. I paid her $x.xx amount of money, she’s below the income threshold, all is good. Then people bashed me like I was an a-hole on here. Someone mentioned SS Tax and Medicare. My question was if I did send her a 1099 and she’s ...
Posted on Money Talk
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re: Babysitter (Niece) received 5071c letter. Never Filed A Return - GAFF
The 5071c letter had nothing to do with my filing. It’s was in regards to her filing for financial aid. ...
Posted on Money Talk
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re: Help With Solution To Pay Off Loan - GAFF
[quote]The credit union will give you 1.25% for 8 years on a truck but won’t give you any better than 7% for 20 years on land?[/quote] Credit Union wouldn’t finance raw land. [quote]would you throw the $75k on the lot loan right now and just keep the truck? If the answer to that is “no”, your ...
Posted on Money Talk
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re: Help With Solution To Pay Off Loan - GAFF
[quote]What credit union is offering .99 auto financing on 84 month?[/quote] [quote]great question, I dont think any, Penfed is over 6% for 84 months cuurently I think OP was using old rates to justify new truck[/quote] I work for a Fortune 500 company that offers an employee Credit Union memb...
Posted on Money Talk
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Help With Solution To Pay Off Loan - GAFF
Bought land at the beginning of the year that I plan to build on. $~100k for 20 years @ 6.75%. I have around $75k in the bank for down payment on the new build. Here’s what I’m thinking and where I need opinions. I owe 10k on my truck that if I sold, could get 35k from. So $25k after payoff. I could...
Posted on Money Talk
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re: Change Credit Card Without Affecting Credit? - GAFF
[quote]Keep it uprn and just open another one.[/quote] I’ve opened a different account with a better card since. Would just like to be able to make this card be worth using. It’s more of a inconvenience right now. ...
Posted on Money Talk
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Change Credit Card Without Affecting Credit? - GAFF
I have a credit card that I got when I turned 18 to help build my credit. Low limit, no rewards. I’ve had this card for nearly 18 years now and it’s by far my oldest credit line. Because of this I don’t want to cancel it but I also want more out of it. Is there a way I can change this card to a diff...
Posted on Money Talk
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re: HVAC Guys, Which Unit Is Better? - GAFF
[quote]So is it priced per unit?[/quote] Ok, after going back and rereading the quote, it is multiple units. The company's provided their quotes two entirely different ways and it caused me confusion. So, the first quote is this: [b]Main Level[/b] 1.) Installation of Trane 14 SEER split heat ...
Posted on Home & Garden
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re: HVAC Guys, Which Unit Is Better? - GAFF
[quote]What? Why is the HVAC quoting this? $5,600 is a lot for this, IMO. $150-200-ish for each HVL, plus install. $5k labor is ridiculous for a new build from the HVAC crew.[/quote] “This would also allow for one basic exhaust fan and venting for the two bathrooms and one half bath” this is what...
Posted on Home & Garden
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HVAC Guys, Which Unit Is Better? - GAFF
Received two quotes today for the HVAC installation in my new home. ~6500 sqft including basement and bonus area above garage. All quotes include material and labor. First quote is for a Trane 14 SEER split heat pump system - $13,600. Another 14 SEER in the basement $8,000. For the bonus room a 2...
Posted on Home & Garden
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re: Hallway Footage from Uvalde School Shooting released. - GAFF
[quote]Before you criticize though, ask yourself if you were a cop in that situation and would you put your life on the line in any situation that calls for it?[/quote] If not then get a new job. [quote]If the answer isn't a resounding yes, you should quit because that is what your profession...
Posted on O-T Lounge
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re: How hard is it to get a loan for land and then a loan to build a house these days.. - GAFF
I’m not in LA so it may be different but it was 20% down for 20 years (20 years was as long as I could find) when i bought in Jan. Most places were 10 years for 35% on raw land. If your land isn’t raw (unimproved land) the rates and terms change. Current rates I’m seeing on a construction loan are 5...
Posted on Money Talk
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What’s Included In A Material Takeoff List? - GAFF
Trying to get a quote for a new construction build and have requested a materials takeoff list from a few suppliers. What will be included in this? Are things like doors, windows, and sheetrock included? What about outlets and insulation? I’ve started a list of small things myself (door knobs, recep...
Posted on Home & Garden
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Difference In Plumbing Quotes - GAFF
Recently received two quotes for roughing in plumbing. One was a per sqft price and the other charged for each drop. Does anyone know why there would be a difference in the way they price? The guy that charged by the drop also offered select fixtures that he warranty's while the other guy will insta...
Posted on Home & Garden
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re: How to figure sqft framing costs - GAFF
[quote]There are two houses to be built with the same square footage. One has a roof with 8/12 and 10/12 roof pitches with multiple slopes and 10 and 12 foot interior ceilings. The other has a 4/12 gable roof and 8 foot ceilings. Why would a framer agree to do both houses for $6 sq ft? I wouldn't[/q...
Posted on Home & Garden
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re: How to figure sqft framing costs - GAFF
That’s what I thought originally but that seemed too cheap to me. Maybe I was just expecting it to cost more....
Posted on Home & Garden
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How to figure sqft framing costs - GAFF
Received a quote from a framer today to get my house framed. $6 a sqft labor, I supply the material. How do I figure the sqft in this scenario? Take the sqft of each wall and add it together? What about the roof? Floor joist? Trusses? Trying to see what the total comes out to but don’t want to do it...
Posted on Home & Garden
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re: Any life changing stock trade stories on here? - GAFF
I know of two GameStop millionaires. These guys were bringing in maybe 50-60k yearly salary and now are worth over (guessing here) 2.5 mil each. The best part is the guy that tipped them off didn’t even play the stock. One of the guys did buy him a new truck for the hook up tho so he didn’t complete...
Posted on Money Talk
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