danbobtx

Daniel Johns

danbobtx’s Activity

Tue Nov 25

NL

Boards Post

danbobtx posted to the Building / Maintaining a Home board. 10:57 PM

stabilizing an empty home for extended period

All-

Family member is going to do a rehab stay, which will leave their home vacant* for 3 months and potentially longer. I'm looking for suggestions on how to stabilize the house so its in decent shape when she returns or the decision is [more]

Tue Nov 4

NL

Boards Post

danbobtx replied to the Building / Maintaining a Home board. 7:59 PM

Re: Heat Sin For Heat Pump

Hypothetically during the warmer months, you'll be adding heat to the pool, potentially faster than it looses it to the air.

IANAE, but I suspect you'll get a rapid change over when you switch from cooling the house to cooling. But Folks in [more]

Fri Oct 31

NL

Boards Post

danbobtx replied to the Building / Maintaining a Home board. 7:26 PM

Re: Heat Sin For Heat Pump

Ground source heat pumps work on basically the same principle. The question is, how far north could you circulate into a swimming pool, and how much shorter would the swimming season be?

Thu Oct 30

NL

Boards Post

danbobtx replied to the Building / Maintaining a Home board. 8:29 PM

Re: gas stove

True story

Several years back while working on an oil and gas project, during rig down, someone mishandled a section of the flare they were dismantling and struck the 125 gallon propane tank they were using for its pilot, when operating. [more]

Wed Oct 29

NL

Boards Post

danbobtx replied to the Building / Maintaining a Home board. 10:57 PM

Re: gas stove

The home I grew up in had 2 buried tanks that had rusted out. They were referred to as butane tanks, but I'm not sure they originally contained butane.

We used an above ground tank with a buried line to the house. The line leaving the tank [more]

Sat Oct 25

NL

Boards Post

danbobtx replied to the Retirement Investing board. 10:45 AM

Re: Cash accumulation fund associated with GUL

Thanks all for the responses. After digging more, employer also offers an after-tax money market account which has averaged 3% return over the last five years, and has a great deal better flexibility on withdrawals or additions.

That and [more]

Mon Oct 20

NL

Boards Post

danbobtx replied to the Retirement Investing board. 9:42 PM

Re: Cash accumulation fund associated with GUL

AJ - Thanks



- What are the fees to deposit the money and keep the money there?

I understand no fees for deposit but I am limited to payroll deduction or a single lump sum per month

- What are the fees
[more]

NL

Boards Post

danbobtx posted to the Living Below Your Means board. 8:08 PM

cash accumulation fund for use as e-fund?

Working through benefits with a new employer - One option available is a cashacumulation fund with a guaranteed 3% interest rate. Its tied to a guaranteed universal life policy that happens to be a good deal for me in and of itself.

As I [more]

NL

Boards Post

danbobtx posted to the Retirement Investing board. 8:06 PM

Cash accumulation fund associated with GUL

Working through benefits with a new employer - One option available is a cashacumulation fund with a guaranteed 3% interest rate. Its tied to a guaranteed universal life policy that happens to be a good deal for me in and of itself.

As I [more]

Sat Oct 11

NL

Boards Post

danbobtx replied to the Living Below Your Means board. 2:31 PM

Re: No Car Seat...No Ticket, Either

Minxie

I fully and heartily agree that a good quality car seat is a must, but that the level of protection is likely not directly correlated with cost. We've generally found our sweet spot around $100 for most things other than basic [more]

Wed Oct 8

NL

Boards Post

danbobtx replied to the Building / Maintaining a Home board. 9:50 PM

Re: lopping shear recall

The thing made for cutting off finger sized limbs causing lacerations? OMG!

Mon Oct 6

NL

Boards Post

danbobtx posted to the Paying Back Student Loans board. 8:53 PM

A reason to payback student loans early

All,

Changing jobs, and getting ready for the next tax year - I'll move up a tax bracket and have some deductions phased out. The upshot of this is the student loans I've been intentionally slow paying (because the interest rate is low) [more]

Mon Sep 29

NL

Boards Post

danbobtx replied to the Building / Maintaining a Home board. 10:23 PM

Re: Mower gas fumes

I figured I'd stay out of this, but I work in the industry, at least at times.

1) Saving landfill space, as long as it can be done at less cost than the landfill space is a win. In my community, each ton of paper recycled saves the [more]

Sun Sep 28

NL

Boards Post

danbobtx replied to the Living Below Your Means board. 7:05 PM

Re: Money Concerns @ $125K/yr.

A few things on that front - and I know this is OT

At this point the courts have decided that the way Texas funds schools is unconstitutional, so there is a decent chance we will see more equitable funding between richer and poorer areas. [more]

Sat Sep 20

NL

Boards Post

danbobtx replied to the Living Below Your Means board. 11:48 AM

Re: What's in your emergency kit?

You probably want an NSF standard bleach without added scents.
http://www.tceq.state.tx.us/drinkingwater/disinfection/appro...

Fri Sep 19

NL

Boards Post

danbobtx replied to the Credit Cards and Consumer Debt board. 10:30 PM

Re: where to begin

A few comments -
again, get the budget together, and I would suggest including the 22 year old in that discussion, then involving the younger child after you have a fairly concrete plan - you don't want to scare him (Mom is worried about [more]

Wed Sep 17

NL

Boards Post

danbobtx replied to the Credit Cards and Consumer Debt board. 10:23 PM

Re: where to begin

OP

Are any of the accounts already past due or over their credit limits?

Do you and your daughter have anything you don't need and can sell, return, or otherwise get some value out of?

Returning, if you can get cash or [more]

Sun Sep 7

NL

Boards Post

danbobtx replied to the Living Below Your Means board. 11:00 AM

Re: Handling an increase in income

All

Thanks for the food for thought - I don't mean to demean DH contribution, since she takes are of a lot of things she takes care of but I handle 80% of the cooking, most laundry, most grocery shopping, and a lot of other stuff. There is a [more]

Sat Sep 6

NL

Boards Post

danbobtx replied to the Living Below Your Means board. 11:06 PM

Re: Handling an increase in income

Housekeeping is something I already help with and we will likely be getting some help with. I'm good on that front, but the calculus is cold.

Childcare would be more of a challenge, but both schools have aftercare programs. I'll look into [more]

NL

Boards Post

danbobtx replied to the Living Below Your Means board. 9:36 PM

Re: Handling an increase in income

Kind of a broad reply -

If we have to move, company will provide significant relocation assistance, and some pay raise for COLA.

I can get a match on the first 6%, and direct upto 20% into a mix of accounts. I'll need to look into [more]

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