danbobtx

Daniel Johns

danbobtx’s Activity

Sat Jun 20

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Boards Post

danbobtx replied to the Credit Cards and Consumer Debt board. 11:08 PM

Re: Progress

If you'll tolerate a little prying - is your hubby getting on board with this?

Mon Jun 15

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danbobtx replied to the Living Below Your Means board. 3:21 PM

Re: Whole Foods “good,” “bette

Perhaps instead of Organic, we could use the term "aquatic" for most fresh foods and veggies, since water is a large percentage of what you buy. For dried foods, we could call them "xeric". And if its loaded with sodium, how about [more]

Sun Jun 14

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danbobtx replied to the Living Below Your Means board. 2:24 PM

Re: Whole Foods “good,” “bette

Exactly - for several hundred years, if something was organic, it was composed principally of carbon, hydrogen, and potentially a few other elements. Lots of "organic" things can kill you, including many which are "all natural" [more]

Sat May 23

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danbobtx replied to the Renewable Energy board. 11:38 PM

Re: Capstone Turbine news

The problem with dedicated turbines for trucks are many fold:

1. inability to easily switch between fuels. At least some of the Westport projects can use diesel when natural gas is not available

2. Fewer mechanics familiar with [more]

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danbobtx replied to the Building / Maintaining a Home board. 9:33 PM

Re: Suggestions for outdoor tree platform repair

We rehabbed something similar in our yard a few years back. Took off the plywood, added extra joists, the re-decked with 5/4 treated decking boards.

We added a climbing wall that was easy to build, at alight angle (about 14 degrees) so if [more]

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danbobtx replied to the Credit Cards and Consumer Debt board. 3:23 PM

Re: New credit card effect on FICO?

You might call one of your current CC companies and see if they can give low a 0 or low APAR cash advance after you've paid off any balance -

Thu May 21

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danbobtx replied to the Credit Cards and Consumer Debt board. 8:41 PM

Re: How should I spend $5500?

Pay only what you need to on the student loan and IRS debt. As long as you keep paying, you have interest rate security on those.

Pay the 1 high rate card off completely, as well as the car repair.
Pay off credit card debt #4 at a rate [more]

Sun May 17

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danbobtx replied to the Building / Maintaining a Home board. 8:55 PM

Re: foundation evaluation

I'm in Texas - our water supply in my area is a mix of surface and groundwater. I'm in the Carrizo/Wilcox aquifer, which is actively monitored for draw down. Its replenished by rainfall on a relatively fast cycle - years to decades.

Yes I'm [more]

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danbobtx replied to the Building / Maintaining a Home board. 5:46 PM

Re: foundation evaluation

Thanks all

No mines in the area, No old landfill. Pumping in the area is modest and is not causing a cone of depression in our water table. Those things are in my bailiwick.

We are coming out of a prolonged drought - and the crack [more]

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danbobtx posted to the Building / Maintaining a Home board. 2:17 PM

foundation evaluation

Background -

We live in a 1960's era, single story, ranch that we acquired about 10 years ago. The house is built on a slab, with no basement or crawlspace. Soils are sandy at the surface but pick up more clay with depth. I'm not aware of [more]

Sat May 16

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Boards Post

danbobtx replied to the Renewable Energy board. 5:51 PM

Re: Geothermal energy

just hydraulic fracturing

Thu May 14

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Boards Post

danbobtx replied to the Building / Maintaining a Home board. 8:55 PM

Re: Poll: Flood Insurance

No flood insurance for me - we are on a ridge and like others, we would take a Noah level flood to have a problem. That said, my area has had 25" of rain in the past 90 days or so and we expect 3"-5" in the next 7 days.

Good [more]

Mon May 11

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danbobtx replied to the Building / Maintaining a Home board. 11:49 PM

Re: Low VOC caulking?

Here is one for sand [more]

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danbobtx replied to the Building / Maintaining a Home board. 8:36 PM

Re: Low VOC caulking?

If its a new SDS, it follows the global harmonization standard, which I think made them more useful. My personal favorite is sand.

Sun Apr 26

NL

Boards Post

danbobtx replied to the Credit Cards and Consumer Debt board. 1:17 PM

Re: a solution to my debt or not so much?

To check on the credit accounts, you can get a report from any one of the big three credit unions, for free and without obligation, here:
[more]

Sat Apr 25

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danbobtx replied to the Credit Cards and Consumer Debt board. 9:52 PM

Re: a solution to my debt or not so much?

Also remember, depending on your status for 2014, even if you have filed, or not filed a tax return, if you can document a little income, you can potentially claim the EITC, which is refundable. you would either need to file late (no penalty if you [more]

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danbobtx replied to the Credit Cards and Consumer Debt board. 8:21 PM

Re: a solution to my debt or not so much?

Oh, and I would only pay off the highest interest debt so that you maintain the biggest IRA balance possible, but improve your cash flow some.

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danbobtx replied to the Credit Cards and Consumer Debt board. 8:17 PM

Re: a solution to my debt or not so much?

Ok CheeseSandWitch

Both here and the tax strategies have suggested you not touch the IRA. It is your best lifeline in the event things get worse. All of us here appreciate that you want to make good on your debts and get out of debt. [more]

Mon Apr 20

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danbobtx replied to the Credit Cards and Consumer Debt board. 8:04 PM

Re: Hardship Forbearance

Not to beat a dead horse, but have you already gotten both you and your wife's student loans on some type of reduced payment plan? Sounds like anything you can do to reduce your cash outflow helps this situation. Also, are you underwater on your [more]

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danbobtx replied to the Credit Cards and Consumer Debt board. 5:33 PM

Re: Hardship Forbearance

no comment on the Forbearance issue -
Have you looked at an income based repayment plans:
[more]

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Big red star, 1000 posts Old School Fool
Board Posts 1505
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