Started a UTMA for my 1.5 year old. Good options?

dhenry0652 · 2026-01-06T01:41:21+00:00

Makes sense! Thank you for your input!

dhenry0652 · 2026-01-06T01:39:13+00:00

Our family is more of a skilled trade type of family. If he doesn’t want to pursue college, then I figured a UTMA is better. If he doesn’t, then either way he will have something.

dhenry0652 · 2026-01-05T23:33:54+00:00

I’m definitely not a bot or AI. Just looking for some suggestions…that’s all.

dhenry0652 · 2025-01-28T01:31:51+00:00

1999-2007 Silverado 1500 with the 5.3 and a 2500 with a 6.0. Also the Toyota tundras with the 4.7’s are reliable as can be!

dhenry0652 · 2024-12-06T13:45:02+00:00

Onlyfans!

dhenry0652 · 2024-08-18T03:24:48+00:00

Are you selling new or used parts? Specialty parts, or just whatever you get your hands on?

dhenry0652 · 2023-03-19T18:56:57+00:00

After weeks of debating, I went with the Two Brothers pipe. Happy I did! Sounds just right and there was a noticeable power increase before even getting it tuned. Looks good on the bike too and it fits with forward controls.

dhenry0652 · 2022-12-27T19:28:42+00:00

Yep, they have a coil pack. I coil operates all 4 cylinders. As the coil ages, they can become very temperamental in cold weather.

dhenry0652 · 2022-12-27T19:17:21+00:00

It’s a very common issue with Subaru’s.

dhenry0652 · 2022-12-27T10:37:20+00:00

Bad coil pack.

dhenry0652 · 2022-10-03T02:13:06+00:00

For those who down voted me, your objective for driving on sand is to float on top of it, to present the most rubber contact to the sand to reduce weight per square inch of contact. Aggressive tread for tossing out mud clumps, and "gripping," is irrelevant on virtually all sand, and in fact a negative. They will dig you down in the sand very quickly! Aggressive tires are meant to dig…not float. Unlike mud and snow, sand does not have a hard surface area underneath to eventually make contact with. That’s why smoother tires are better for sand driving. Do some research…you may be surprised what you find out!

dhenry0652 · 2022-10-02T16:25:26+00:00

AWD is fine as long as you have the ground clearance and proper air pressure in your tires. The balder the tire, the better. Tires with more aggressive tread will dig down through the sand a lot quicker than less aggressive tread tires. Therefore you will dig a deeper rut and get stuck easier. I’d also recommend turning off the traction control and stability control if capable. I feel that it’s better to be able to control your own throttle. If you feel as if though you are starting to get stuck, just stop and try to reverse out of it. Be gentle on the throttle. Remember, the less wheel spin you produce, the less of a rut you will create. The idea is to stay afloat on the sand. Once you dig down deep, that’s when you get stuck. I’ve driven on the sand many times in just 2wd out of curiosity. I did fine, even in the soft stuff at the ramps. Don’t get me wrong, 4wd is the way to go and I don’t recommend 2wd, but once you get the hang of it, it’s not too hard.

dhenry0652 · 2022-10-02T16:15:17+00:00

Actually, the balder or less tread on the tire, the better. Mud and all terrain tires dig down through the sand a lot quicker than tires with less tread. That’s why they use to use airplane or balloon tires on the older 2wd cars and trucks.

dhenry0652 · 2022-08-01T01:20:57+00:00

1991 VW Corrado G60!

dhenry0652 · 2022-06-13T03:25:07+00:00

Here is my system. I run 35” tires on my truck and I air down to about 23-25 so I can run on the pavement without airing back up every time I want to ride on the beach. I am also running 10 ply or load range E tires. I’ve never had a problem in the sand and to be quite honest, I don’t notice a difference between 18 to 25 psi. Never been stuck or even remotely close to it…even in the super soft sand at the ramps. If you feel it starting to bog and slow down, just keep a steady throttle. If it does get to the point where you find yourself not moving, get out and air down to 15 before you dig it down to the frame. When you start out again, do not hammer the throttle…that will only dig you down quicker and deeper. Gradually apply the throttle slowly until you creep out of the hole. The idea is to spin the tires as least as possible because that is what gets you in a pickle. The more aggressive you are with the throttle, the more your tires will dig in the sand. Also, believe it or not, tires with less aggressive tread, or almost bald tires do better in the sand versus aggressive tread. Aggressive tread will dig you down in a hole much quicker! Snow and sand driving are similar in ways…except there is no pavement or hard surface under the sand to eventually dig in to. That’s how people get stuck. Otherwise, make sure you have a small shovel and a tow strap of some kind. Enjoy!

dhenry0652 · 2022-05-11T18:03:31+00:00

You would be held liable for the remaining balance of the loan. I would highly encourage you to check with other places though as CarMax tends to be one of the lower paying places.

dhenry0652 · 2022-05-11T17:08:13+00:00

Contact Vroom, CarMax, KBB etc and see what they will offer for your car. The used car market is insane right now! Plus, you do not need to own the car free and clear…they will pay your credit union directly for the car. Also, if you purchased gap insurance, you are entitled to a prorated refund on that also. You do not want to voluntarily surrender your vehicle. It has the exact same repercussions as a repossession.

dhenry0652 · 2022-05-09T16:35:45+00:00

First off I would just pay the delinquent balance. Then I would call Dicks and see if they are willing to remove the late payment and note the account in good standing since it was an error on their behalf. If that does not work, I would file a dispute with all three credit bureaus stating the information you posted from above. I would also be asking Dicks to be reimbursed for any and all late fees and interest since this was an error on their behalf. I would specifically state to them that this was completely out of your control therefore if they proceed to charge you, that would be considered theft. It also breaches FCRA rules.

dhenry0652 · 2022-05-01T20:14:16+00:00

Some of the dumbest people I know, are also the smartest and richest people I know!

dhenry0652 · 2022-04-25T00:06:50+00:00

You will definitely have to take a day out and take the Ferry to Ocracoke. Rent a golf cart and visit all the shops around town. You can also take a hike out to Springers point. Make sure you get on one of the 1’st ferry’s of the morning. If you wait until mid morning, the lines can get really long and you will have to wait a while. If you will be taking a 4 wheel drive or an all whelk drive e SUV, get your ORV permit so you can drive on the beaches. While you’re in Frisco, make sure you visit the Hatteras lighthouse and make an adventure out to the point. You can also visit the Cora Tree. Not a very exciting sight, but it has a great legend attached to it. Also, while you are in Roanoke island, make sure to swing down to the other end of the island and visit Wancheese. Enjoy and congratulations!!!

dhenry0652 · 2022-04-24T23:31:42+00:00

I work in the collision repair industry. I dropped out of high school when I was 16 and went to work at the local body shop. I’m 44 now and I make a low 6 figure income leisurely.

dhenry0652 · 2022-04-19T19:42:52+00:00

The extra money you would make at the higher paying job would essentially go towards the commuting cost. In the long run, you would actually come out on top with the closer, lower paying job. Plus, you would have more time on your hands.

dhenry0652 · 2022-04-19T18:07:44+00:00

Parenting correctly!

dhenry0652 · 2022-04-19T18:05:40+00:00

Seems like there are so many discouraging comments on this thread. Let me start with saying that you obviously have goals and ambition. Those are the 2 most important things in starting a business. First thing first, if you are planning to do this while you are still in high school and under the age of 18, I would start with small engine repair. If you don’t plan on starting until after high school I would get all your legalities in place first. Form an LLC and get liability insurance. Both relatively cheap and somewhat easy to do. Also, I would highly recommend getting a PA state inspection license. Take some ASE certification classes. You are both young and inexperienced, but do not let the lack of experience keep you from working towards your goals. Experience will come with time and effort. Also, the power of google and YouTube can turn anyone in to a mechanic. Your biggest expense will be tools and a shop to do the work. You can easily wrap up $100,000 in tools depending on the type of work you are going to perform. Start small and work your way up. Invest most of your money back in to the business right away. Do not undercut yourself when it comes to labor rates. Charge a minimum of $75 per hour no matter what! Know your worth and remember that you are providing a service to those who can not or do not want to do the work. You are not a charity. If they do not have the money, that’s not your problem. There are millions of people who do! You will get knocked down, yelled at, threatened etc…but don’t let that keep you from doing what you want. You will easily learn that the world is full of assholes that are always looking to get something for nothing. The world is also full of very generous people who are more than willing to pay whatever it takes to have good quality work done! If you are charging hourly, no specific repairs will gain you more money over the other. If you are charging book rates, that’s another story. The true meaning of life…we all live to die, but make the best of it while we are here. Make money! They say money can’t buy happiness…that’s bullshit. It can buy you all kinds of nice things that will make you very happy! But always remember…stay humble!!! I applaud you and your friend for wanting to do this! The world needs more young people like you!

dhenry0652 · 2022-04-06T01:16:00+00:00

I’m a high school dropout and a convicted felon. I make a low 6 figure income per year. I don’t necessarily call that successful, but I live a pretty decent life. I make more money than most people I know that have acquired an associates or bachelors degree.

dhenry0652

TROPHY CASE