danbobtx

Daniel Johns

danbobtx’s Activity

Wed Mar 25

NL

Boards Post

danbobtx replied to the Paying Back Student Loans board. 8:10 PM

Re: Pay More To Principal or Invest?

To follow up with what AJ wrote - government backed loans have a lot of advantages in terms of repayment that private loans don't have to offer. In particular, deferment, forbearance, and income contingent repayment plans are all standard on federal [more]

Sun Mar 15

NL

Boards Post

danbobtx posted to the Taking Care of Parents board. 3:11 PM

Installing a walk-in tub/geriatric upgrades

All

Mom is getting on in years, currently in a rehab stay, and wants a walk-in tub installed at her house. I've priced the tubs, which start at expensive and go to astronomical. Anyone get a ballpark on the time/difficulty in installing one [more]

NL

Boards Post

danbobtx posted to the Building / Maintaining a Home board. 3:09 PM

Installing a walk-in tub/geriatric upgrades

All

Mom is getting on in years, currently in a rehab stay, and wants a walk-in tub installed at her house. I've priced the tubs, which start at expensive and go to astronomical. Anyone get a ballpark on the time/difficulty in installing one [more]

NL

Boards Post

danbobtx posted to the Building / Maintaining a Home board. 3:02 PM

leak finding near electrical service entrance

All

I've recently had a leak develop in my roof, with one of the likely candidates being flashing where electrical service enters the house or where electrical service leaves the house to feed a sub-panel on an outbuilding.

Can I [more]

Tue Feb 24

NL

Boards Post

danbobtx replied to the Credit Cards and Consumer Debt board. 7:32 PM

Re: dead in here

No, every time we get a newbie, we flog them into quiet submission.

Sat Feb 14

NL

Boards Post

danbobtx replied to the Building / Maintaining a Home board. 8:39 PM

Re: pre-emergent

The blue the city uses is just a dye to show the guys spraying where they have coverage.

I second the idea of contacting a county extension agent, or you can talk to some of the local reputable lawn/garden centers. Make sure they are aware [more]

Tue Feb 3

NL

Boards Post

danbobtx replied to the Building / Maintaining a Home board. 9:59 PM

Re: Solar Redux - Does Solar add much to home va

My sample quote shows a 10 KW system @$3.05/watt before subsidy or tax credit. In my area, its cash flow positive at about year 17 without subsidy or tax credit. This also assumes an inverter replacement at about 15 years.

Assuming the 30% [more]

Mon Feb 2

NL

Boards Post

danbobtx posted to the Building / Maintaining a Home board. 10:04 PM

Solar Redux - Does Solar add much to home value?

All

Got an interesting come-on today regarding solar with some spiffy looking charts. One of their contentions is that a system would add about 3/4 of its cost to my home as an improvement. I suppose I buy that concept, but was curious if [more]

Fri Jan 30

NL

Boards Post

danbobtx replied to the Building / Maintaining a Home board. 7:39 PM

Re: lawn tractor recommendations

background - I'm on 2.8 acres with modest slope and lots of trees.
My first lawn tractor was a 46 "toro" that had a repeated set of problems with the deck belt tensioner, that when it failed (often) it shredded the belt and required a [more]

Mon Jan 26

NL

Boards Post

danbobtx replied to the Credit Cards and Consumer Debt board. 10:31 PM

Re: Don't want bankruptcy, other options? sorry,

AJ

OP indicated she was taking course work online. I concur that the student loan, in particular, should not be used to satisfy the other lenders - thats probably a clear violation of student loan regulations, as well as generally a bad [more]

Sun Jan 25

NL

Boards Post

danbobtx replied to the Credit Cards and Consumer Debt board. 6:03 PM

Re: Don't want bankruptcy, other options? sorry,long

Bailing

To clarify - you've run through savings? The student loan is federal?
On the employee stock option plan or stock purchase plan, is that something he and enroll in once per year?

Do you have other debt other than the [more]

Wed Jan 14

NL

Boards Post

danbobtx replied to the Paying Back Student Loans board. 11:41 PM

Re: 45K in Student Loans - How can I save interest?

Forgive me - are any of these fixed rate or do they all current;y float?
Will you be taking on more loans for the last year or are you potentially eligible?

In my last year of grad school, I took a sub loan and used it to cover expenses [more]

Fri Jan 2

NL

Boards Post

danbobtx replied to the Living Below Your Means board. 2:41 PM

Re: Egg prices expected to rise 'dramatically'

Mike

Not all programs that provide assistance to the poor offer a lot of choice. the Texas Womens Infants And Children program has a specific set of approved foods - both brands in some cases, or types of foods in others. Its intended to be [more]

Thu Jan 1

NL

Boards Post

danbobtx replied to the Paying Back Student Loans board. 1:31 PM

Re: End of the year ritual

Retrograde

I'm about half way through a graduated repayment plan. I expect, if I can qualify, that the extended plan will cut my monthly required payment some. Perhaps more importantly, it won't have the last few years at substantially [more]

Sat Dec 27

NL

Boards Post

danbobtx posted to the Building / Maintaining a Home board. 12:09 AM

recommendations to size lighting to a room

All

Considering changing lighting in my garage and family/utility room. At this point, I'm looking at recessed lighting for both, but would appreciate any pointers or calculators that might be around regarding selecting the number of [more]

Sun Dec 21

NL

Boards Post

danbobtx posted to the Paying Back Student Loans board. 9:02 PM

End of the year ritual

I set up my next automatic draft for December 30th - this will ensure that I've paid almost all accured interest in CY 2014. I do this every year, which makes me feel a bit better about the loan.

Sometime after the first of the year, I'm [more]

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Boards Stats & Trivia

Big red star, 1000 posts Old School Fool
Board Posts 1484
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Threads Started 439
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Most Frequent Board Advanced Micro Devices
Very First Post Diebold Growth/New customers (3/8/2001)
Percentage of Posts Rec'd 53.44 %
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