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About pollardsvision

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    Lynchburg, VA

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    Carolina Panthers

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  1. I typically roll with Sam's brand paper towels, but during the shortages over the last year or so, sometimes all they had was Bounty. I had never used Bounty before, but I must say that's a very weird, irritating paper towel. It's too nice to be a paper towel. They are so thick they are hard to break off, and it's just weird to throw away such a thick disposable. And I've always loved cheap TP. The cheap stuff has a nice little grit to it that I find handy at times. I can barely get a grip on that that super soft stuff. On both ends.
  2. I dig all of this, but in lieu of the box cutters, I prefer a pocket knife. I have to break down a lot of boxes for the business, so it's worth always carrying one on my person.
  3. You make some good points, and while I don't know exactly what to make of this issue, it doesn't seem like the right thing to me. I think there's a productive discussion to be had here without the rhetoric though. The "Biden is a racist targeting black people" thing seems overboard. I think there's certainly an argument that this is patronizing or condescending. I think Biden is listening to health care leaders and leaders of groups that have long wanted to curtail the the damage that cigarettes/menthols have had on the black community. Like many things in life, I think he's trying
  4. Yeah, that's a tough spot. As others have said, this should make you more eager to sell this place (long distance family co-owned rentals are just asking for trouble), but that makes the situation a lot more delicate. I'd make sure your desires are clear, but assuming nobody in the family is a complete degenerate, I wouldn't make a big deal about it right now either. It sounds like an emotional time for your Dad with this mobile home, so he'll likely need some time to come around. At the the end of the day, this is about a $20K asset for you, and certainly not worth any family dram
  5. Totally a comment from the peanut gallery, as I really don't know what you guys are specifically talking about, but it sounded like Sands was talking about contribution limits, and you might be talking about income limits on who can contribute. Traditional and Roth IRA's both have the same contribution limits (6K for younger folk) even though they have different income limits on who can contribute (without getting into backdoor stuff).
  6. On the taxes and placement of dividend focused stocks, I've been really torn on that. I don't love the idea of incurring a tax bill, but here's my thinking in focusing them in a taxable account.....I use my tax protected accounts (Roth/HSA) for investments that are likely to have more capital appreciation (range of index funds). For the dividend payers in the taxable account....so far, it's stocks that are not likely to have huge price growth (stuff like AT&T, Pfizer, Coke, grocery chains, some financials, etc). These are also assets that I'm more likely to sell in the intermed
  7. I got a very late start on getting serious about investing for retirement (didn't open an IRA until mid-2019 right before I turned 40), but I'm proud to say that even with a 4-month closure of my restaurant, 2020 just became the first year that I maxed out both my Roth and HSA. And the 2021 contributions have been running automatic to hit the max while playing 2020 catch up. On investing, I saw some mention of bonds. I'm obviously a very new investor, but to this point, I haven't seen a scenario where it makes sense for me to own any bonds. In fact, I was wondering what you guys tho
  8. Yeah it works fine. Mine's going on 4 years now in a similar setup. It's done fine but if the humidity takes it out I'll just get another one. I think it was $130 TV. I did have to replace the Roku but that was probably just because it was an old Roku 2.
  9. No. Otherwise lenders wouldn't make these loans, which are often terrible. Would you give a random 18 year old $80,000 to spend however they like if the loan were bankruptible?
  10. This oughta go over like a fart in church, but here's my driving tip.........how about slow down a little? I've always caught hell for being a slow driver. I typically do 5-10 miles over the limit. But I'm not the fastest accelerator. Partly by choice (ain't trying to rag my car out), and partly by necessity (I drive beaters). Yes, of course, I try to be as courteous a slow poke as I can be, staying right and all. In town, I just don't understand the fascination people have with racing from stop light to stop light. I'm a moderate driver on the highway, but I'm not trying to d
  11. Especially since she is 8 miles away from work and has free Uber rides. Leasing or buying new/newish cars is not a great idea for a lot of people, but especially a young person in this situation. Cheap car just makes too much sense. It only needs to get her eight miles, and if it breaks down she's got a free ride that'll be there in 5 minutes.
  12. I lean mostly left, and don't agree with either of those things. Not totally against raising the minimum wage, but that should be a local decision. Not totally against some debt cancellation, but I'd prefer actually trying to fix the problem and prevent this from happening in the future. Dems need to be real careful about driving out moderates now that they don't have Trump to run against.
  13. It is kind of funny that a company called Robinhood is screwing the little guy
  14. I'm pretty indifferent either way. I have no idea what's right or wrong, and don't think it matters too much. I think it's very important to protect the rights and be kind to folks that identify as a gender that is different than the physical gender they were born with. However you identify, that's great, let's go have a cold beer. When it comes to college and HS sports? I can understand arguments against it. It doesn't seem fair. And then again, life isn't fair. If a young lady loses the AA Iowa state 100 meter hurdles to a young lady that was born with male parts, I can unde
  15. Putting in a $15 federal minimum wage and getting rid of the server minimum wage? In a Covid stimulus bill? Businesses fighting to survive and provide jobs already. Ugh. My business would be fine, but this is just stupid. Minority parties generally have a mid-term bounceback anyway, but crap like this is going to lead to a red tidal wave. We got stuck with the 80 year old dude because he's a moderate. And it worked. Now, he's gonna go ahead and alienate the moderates a week before he's even freaking inaugurated.
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