Search found 71 matches

by hsfan92
Wed Apr 06, 2016 8:00 pm
Forum: Personal Consumer Issues
Topic: Breaking concrete
Replies: 42
Views: 3384

Re: Breaking concrete

That's why I love this site. A lot of great advice from people that have been through it before. I said a 90 lbs hammer just because I figured it be the quickest to do the job, I had know idea that it would be hard to handle. good to know.
by hsfan92
Tue Apr 05, 2016 7:21 pm
Forum: Personal Consumer Issues
Topic: Non-traditional routes to teacher certification
Replies: 28
Views: 2011

Re: Non-traditional routes to teacher certification

There are one-year MAT (Master of Arts in Teaching) programs that include certification for those with an undergrad degree in the field in which they want to teach. If he's going to do a year of coursework, it may as well be for a Master's + certification rather than a mere certification, since he'...
by hsfan92
Tue Apr 05, 2016 7:14 pm
Forum: Personal Consumer Issues
Topic: Breaking concrete
Replies: 42
Views: 3384

Re: Breaking concrete

I literally just finished doing a job like this today. 10 x 14, but only 4 inches thick. It took me 3 1/2 hours with a Makita electric jackhammer.This was without rebar or steel mesh underneath. I know for sure this would not work for a 6 inch depth concrete driveway. The bit must be at least 3 inc...
by hsfan92
Mon Apr 04, 2016 5:10 pm
Forum: Personal Consumer Issues
Topic: Breaking concrete
Replies: 42
Views: 3384

Re: Breaking concrete

Thanks for all of the helpful replies. Definitely a mixed bag. It's an old driveway that will be replaced with grass. I should have been more precise in my measurements (It is 8' by 20"). I would like to do it myself as it is my way of working out in the springtime and to save a couple of dolla...
by hsfan92
Sun Apr 03, 2016 7:24 pm
Forum: Personal Consumer Issues
Topic: Breaking concrete
Replies: 42
Views: 3384

Breaking concrete

I want to make a concrete area grass again. I could do one of two things: 1. I could break it up. It is about 6" thick probably about 20'. I want to do it myself any suggestions? Tools? Or I could possibly pile dirt about 5" above the concrete and it would be level with the rest of the gra...
by hsfan92
Sat Dec 19, 2015 5:00 pm
Forum: Personal Consumer Issues
Topic: Camera recommendations
Replies: 10
Views: 825

Re: Camera recommendations

Thanks for all of the replies. the Cannon powershot seems like the right type of camera for what she would use it for.
by hsfan92
Sat Dec 19, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Camera recommendations
Replies: 10
Views: 825

Re: Camera recommendations

Thanks for the rec. She has a smartphone, but wants a regular camera because she says it take a long time to load pictures from her phone to different places that she prints them out.
by hsfan92
Sat Dec 19, 2015 8:41 am
Forum: Personal Consumer Issues
Topic: Camera recommendations
Replies: 10
Views: 825

Camera recommendations

I want to buy a camera for my wife. She uses it just for family photos, not anything fancy(some sports shots as well). She would like one that you can send the pictures to a computer or a phone. Any suggestions for a solid camera between $100 and $200?
by hsfan92
Mon Oct 26, 2015 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Potential estate dispute - relevant experiences?
Replies: 23
Views: 3484

Re: Potential estate dispute - relevant experiences?

What ended up happening? Just curious.
by hsfan92
Sun Jul 26, 2015 8:37 pm
Forum: Personal Consumer Issues
Topic: GE Profile Arctica Freezer issues
Replies: 7
Views: 717

Re: GE Profile Arctica Freezer issues

Thanks. Not going to put any money in a garage fridge
by hsfan92
Sat Jul 25, 2015 3:47 pm
Forum: Personal Consumer Issues
Topic: GE Profile Arctica Freezer issues
Replies: 7
Views: 717

Re: GE Profile Arctica Freezer issues

Thanks for the feedback. Cool site
by hsfan92
Sat Jul 25, 2015 12:00 pm
Forum: Personal Consumer Issues
Topic: GE Profile Arctica Freezer issues
Replies: 7
Views: 717

GE Profile Arctica Freezer issues

My cousin gave me a fridge that I have in my garage that I am having issues with. I can't put anything in the freezer because periodically the temps go up to the 20s 30s and 30s even 40s. The temps in the fridge sometime go up as well, but it doesn't seem that this happens as often. Any suggestions ...
by hsfan92
Mon Feb 02, 2015 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Holding money for a year
Replies: 14
Views: 1216

Re: Holding money for a year

Thanks for the different options. Wanted to see if I was missing anything and I knew Bogleheads would come through. I am definitely going to look at the vanguard option, because I can withstand some risk, but I need to read up on it.
by hsfan92
Mon Feb 02, 2015 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Holding money for a year
Replies: 14
Views: 1216

Holding money for a year

What type of vehicle would you place cash in that will only be there for around a year or two? Obviously would want to the most interest that is possible for that time span without the risk of the stock market.
by hsfan92
Fri Jul 25, 2014 7:27 am
Forum: Personal Consumer Issues
Topic: Removing a beehive from mailbox newspaper holder
Replies: 43
Views: 6040

Re: Removing a beehive from mailbox newspaper holder

I was at my sisters yesterday. There's a large Japanese Yew bush next to the steps going to the front door. There are 5-10 bees coming and going all the time. They are a little smaller than a honeybee but look like a honeybee. She says they are not bothering her and it's been like this for a month ...
by hsfan92
Mon May 05, 2014 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Good Deal for a rental?
Replies: 8
Views: 780

Re: Good Deal for a rental?

I think I am getting a pretty good deal on this one. Something like this could sell for 45k when in good shape. Plenty of people that can rent at that price range that will be solid tenants. I just need to do a good job when I go through applications.
by hsfan92
Sun May 04, 2014 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Good Deal for a rental?
Replies: 8
Views: 780

Re: Good Deal for a rental?

depressed area, but good people. No one has cash or credit to buy. It is a house though.
by hsfan92
Sun May 04, 2014 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Good Deal for a rental?
Replies: 8
Views: 780

Good Deal for a rental?

29k (including renovation) on a 2 bedroom house. It will rent for $650 a month. Pretty sure these are good numbers, but does anyone have a good formula that they use or a good website to run numbers. taxes are about $1100 a year.

Thanks
by hsfan92
Sat Apr 12, 2014 6:55 am
Forum: Personal Consumer Issues
Topic: I have a cell phone and am in search of a carrier
Replies: 24
Views: 1948

Re: I have a cell phone and am in search of a carrier

Consumer Cellular uses ATT. I have used it for almost a year and have loved it.
by hsfan92
Sat Aug 31, 2013 9:31 pm
Forum: Personal Consumer Issues
Topic: How is Consumer Cellular
Replies: 39
Views: 10307

Re: How is Consumer Cellular

Haven't done much travelling with CC. Majority of my time is in midsize cities with solid coverage, but I have only had the service for a couple months. I will try to keep the forum updated.
by hsfan92
Sat Aug 31, 2013 8:42 pm
Forum: Personal Consumer Issues
Topic: How is Consumer Cellular
Replies: 39
Views: 10307

Re: How is Consumer Cellular

We also switched to CC. We went from paying $120 without a smartphone to around $60 for more service. thanks for the advice!
by hsfan92
Mon Aug 19, 2013 8:35 pm
Forum: Personal Consumer Issues
Topic: Kindergarten Struggles
Replies: 39
Views: 5405

Re: Kindergarten Struggles

When does he turn six? Sometime people start their kids too early. This is especially a concern if it is a boy.
by hsfan92
Mon Aug 19, 2013 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: $ monthly contribution to 529/college savings
Replies: 60
Views: 8309

Re: Poll: $ monthly contribution to 529/college savings

We save $200 per child, grandfather contributes another $500 per year, not sure how much that will cover in 12, 14 and 16 years, but it is a start
I will say it does add up. Our oldest 7 almost has 30k.
by hsfan92
Sun Aug 18, 2013 11:43 am
Forum: Personal Finance (Not Investing)
Topic: 15 year versus 20 year mortgage
Replies: 21
Views: 1807

Re: 15 year versus 20 year mortgage

not to hijack the post, but what would a standard/fair amount of closing cost for a 100k refinance, no appraisal is necessary.
by hsfan92
Fri Jul 26, 2013 6:20 am
Forum: Personal Consumer Issues
Topic: Simple, High Quality Dishwasher?
Replies: 25
Views: 2622

Re: Simple, High Quality Dishwasher?

Bosch
by hsfan92
Sun Jul 14, 2013 3:25 pm
Forum: Personal Consumer Issues
Topic: Memphis trip
Replies: 18
Views: 1193

Re: Memphis trip

Thought UT was in Knoxville.
by hsfan92
Wed Jun 19, 2013 6:37 pm
Forum: Personal Consumer Issues
Topic: How is Consumer Cellular
Replies: 39
Views: 10307

How is Consumer Cellular

I am done with my contract at Verizon and I am very seriously considering switching to Consumer Cellular. Does anyone have any experience with this provider? Any Pros and Cons?
by hsfan92
Sun Jun 16, 2013 9:24 pm
Forum: Personal Consumer Issues
Topic: Beef brisket
Replies: 53
Views: 7334

Re: Beef brisket

The best resource I've found for all sorts of smoking and cooking is amazingribs.com. It's run by a guy called Meathead. He not only shares his recipes but he explains the science behind the cooking. You can spend hours on this website. Here's his recipe for beef brisket. http://www.amazingribs.com...
by hsfan92
Wed Apr 10, 2013 7:10 pm
Forum: Personal Consumer Issues
Topic: Ideas for Charleston, SC in June
Replies: 19
Views: 1104

Re: Ideas for Charleston, SC in June

I second SNOB. The cornbread is the best I have ever had.
by hsfan92
Tue Apr 02, 2013 5:32 pm
Forum: Personal Consumer Issues
Topic: Wedding band durability & long-term costs- gold vs platinum?
Replies: 40
Views: 2944

Re: Wedding band durability & long-term costs- gold vs plati

No one will be looking at your ring anyway. I have had white gold for ten years with no problems.
by hsfan92
Sat Mar 30, 2013 9:11 pm
Forum: Personal Consumer Issues
Topic: straight talk plan
Replies: 10
Views: 1548

Re: straight talk plan

Thanks for the information.
by hsfan92
Sat Mar 30, 2013 1:40 pm
Forum: Personal Consumer Issues
Topic: straight talk plan
Replies: 10
Views: 1548

straight talk plan

I am close to being done with my 2 year contract with Verizon. Any bogleheads have any feedback on the Straight talk plan at Walmart, $45 for everything?
by hsfan92
Fri Mar 08, 2013 9:27 pm
Forum: Personal Consumer Issues
Topic: grass trimmer?
Replies: 18
Views: 1900

Re: grass trimmer?

They are, but they pay for themselves. Instead of replacing a cheap one every two years you can keep a stihl for a very long time.
by hsfan92
Fri Mar 08, 2013 9:07 pm
Forum: Personal Consumer Issues
Topic: grass trimmer?
Replies: 18
Views: 1900

Re: grass trimmer?

Get a stihl professional grade and it will last forever.
by hsfan92
Fri Mar 08, 2013 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off the mortgage on Friday!
Replies: 38
Views: 3606

Re: Paid off the mortgage on Friday!

Watty wrote:Congradulations!

There was another thread on this a couple of weeks ago with some pointers;

viewtopic.php?f=2&t=111687&newpost=1625796



Just experienced deja vu.
by hsfan92
Sun Feb 03, 2013 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Financial Graduation Tips for an 18-Year Old?
Replies: 17
Views: 1464

Re: Financial Graduation Tips for an 18-Year Old?

chicagobear wrote:I gave my 22 year old nephew a copy of Andrew Tobias's "The Only Investment Guide You'll Ever Need."


Did he read it?
by hsfan92
Tue Apr 10, 2012 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: over contributed to Roth
Replies: 1
Views: 214

over contributed to Roth

Switching mutual funds and not using automatic investing very well I over contributed to my Roth for 2011. Is there anyway I can carry it over to 2012 without getting penalized. It's only about $600 over.
by hsfan92
Thu Oct 13, 2011 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Name of a tax efficient vanguard fund.
Replies: 5
Views: 477

Name of a tax efficient vanguard fund.

Can anyone give a few choices for a tax efficient fund from vanguard.
thanks in advance
by hsfan92
Fri Aug 12, 2011 1:39 pm
Forum: Personal Consumer Issues
Topic: best tennis balls for 5 year old
Replies: 21
Views: 2843

are the yellow-orange balls the first to use?
by hsfan92
Fri Aug 12, 2011 1:13 pm
Forum: Personal Consumer Issues
Topic: best tennis balls for 5 year old
Replies: 21
Views: 2843

Thanks for the tips. I'll probably start with the quick start balls.
by hsfan92
Thu Aug 11, 2011 2:36 pm
Forum: Personal Consumer Issues
Topic: best tennis balls for 5 year old
Replies: 21
Views: 2843

Thanks T_in_ATL. I was trying to find some that are easier to hit.
by hsfan92
Thu Aug 11, 2011 11:48 am
Forum: Personal Consumer Issues
Topic: best tennis balls for 5 year old
Replies: 21
Views: 2843

best tennis balls for 5 year old

Anyone know the best type/brand of tennis balls for beginners?
by hsfan92
Thu Aug 04, 2011 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: NMA has un-advertised 10 year no cost refi
Replies: 3
Views: 1035

Is this a solid company to deal with? Anyone have a better place to refinance?
by hsfan92
Thu Aug 04, 2011 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 148
Views: 22299

mikep wrote:Yes.. nice side effect of this is lower mortgage rates.. just locked another 15 year 3.625% no cost refinance with NMA.




what does NMA stand for?
by hsfan92
Tue Aug 02, 2011 8:42 am
Forum: Personal Finance (Not Investing)
Topic: should I refinance?
Replies: 4
Views: 771

We really need more information to provide meaningful guidance such as original term of mortgage (30 years?), years remaining, your level of financial knowledge and responsibility, and your ability / willingness to take on risk of payment fluctuation over time. Assuming good credit and >80% equity ...
by hsfan92
Mon Aug 01, 2011 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: How do you shop for electricity?
Replies: 25
Views: 2970

In my state (Ohio) the Public Utilities Commission operates a web site they call the "Apples to Apples" site. It lists all gas and electricity providers and their rates. Hopefully your state has something similar. Jeff Which company do you use? I live in Ohio and have been getting tons of...
by hsfan92
Mon Aug 01, 2011 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: should I refinance?
Replies: 4
Views: 771

should I refinance?

My rate is 5.625% with about 99,000 left on the loan. We probably will only stay 2 more years at this house. Is it worth it to refinance? If so any suggestions about the process?
by hsfan92
Tue Jul 26, 2011 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: donating a car: tax question
Replies: 8
Views: 872

thanks for the help. That's what I thought, but I was not positive.
by hsfan92
Tue Jul 26, 2011 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: donating a car: tax question
Replies: 8
Views: 872

donating a car: tax question

If I donate a car worth $2000.00 and I am in the 25% tax bracket and I originally owed the IRS $4000.00 what would my new tax bill be?
by hsfan92
Mon Jul 25, 2011 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: fair price for a financial planner
Replies: 21
Views: 2514

I am thinking of an investment advisor. I felt like 1% was a more standard rate, I know I don't have a ton of money invested yet for an advisor. Have any of you ever transferred their money from an advisor to a vanguard account? Any problems or was it smooth?

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