danbobtx

Daniel Johns

danbobtx’s Activity

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]

NL

Boards Post

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

Handling an increase in income

All

Family has been LYBM or near it for the past several years, getting a little bit in retirement savings, and a small (but no where near fully funded) e-fund in place. I recently received a job offer that will substantially increase take [more]

Sun Aug 24

NL

Boards Post

danbobtx replied to the Building / Maintaining a Home board. 4:43 PM

Re: Clothes dryer repair

Tk

A similar replacement is about $450, and parts looks to be about $100.
In that vein, my calculator suggests it isn't worth the price of a service call + parts, but if I can do it myself and show the kids how to fix something, even if [more]

NL

Boards Post

danbobtx posted to the Building / Maintaining a Home board. 2:13 PM

Clothes dryer repair

Ok guys and gals -

We have a 12 year old front loading fridgeaire electric dryer. It is tearing some clothes, and getting others stuck between the drum and the front seal, resulting in dirty streaks where the clothing rubs. I'm also getting [more]

Sun Aug 3

NL

Boards Post

danbobtx replied to the Credit Cards and Consumer Debt board. 6:42 PM

Re: Update and question

Neveragain -

If I understand correctly, you have another BT offer 0% till July 2015, but a 4% transfer fee. If you use the BT, you'll have an account closed out in Sept/Oct instead of Nov/Dec?

This is really a math question, but it [more]

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Boards Stats & Trivia

Big red star, 1000 posts Old School Fool
Board Posts 1457
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Very First Post Diebold Growth/New customers (3/8/2001)
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