Search found 125 matches

by forgeblast
Fri Jun 01, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Kemper vs Amica home/auto insurance
Replies: 12
Views: 1032

Re: Kemper vs Amica home/auto insurance

Had kemper, for auto and the rates were sky high, never a claim. Our insurance agent contacted us about our home insurance creeping too high. So we asked her to look and bundle home and auto. She is saving us over 3k a year now! we went with progressive. Kemper was OK at first but it creeps up littl...
by forgeblast
Thu May 31, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Need some advice in regards to A/C System
Replies: 29
Views: 1714

Re: Need some advice in regards to A/C System

we went with a http://www.fujitsugeneral.com/us/produc ... index.html halcyon mini-split and heat pump. It was something that instantly improved our home. We run three rooms from one outside condenser, and use the heat pump all winter long. I think for us it was 6k ish for equipment/ install.
by forgeblast
Thu May 31, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 30701

Re: The Side Hustle

I am an Elementary Art Teacher, Side hustle is I carve wooden spoons, hew dough bowls with an adze, and turn bowls on a spring pole lathe. I do craft shows in the fall and it keeps me really busy all summer long. I also teach spoon carving. I have 12-15 years left in teaching before I retire I would...
by forgeblast
Tue May 29, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Solid Raw wood from South Africa infestation?
Replies: 23
Views: 2544

Re: Solid Raw wood from South Africa infestation?

If I remember correctly 156 Degrees is what most hardwoods are kiln dried at and 115 for most softwoods. I would think a penetrating oil, tung oil, or flax seed oil would be a good surface sealer. I use organic flax seed oil in all the spoons and bowls I carve. It does take a bit longer then tung oi...
by forgeblast
Thu May 24, 2018 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Buy an old farmhouse?
Replies: 52
Views: 5194

Re: Buy an old farmhouse?

We love country living, we are a 1/2 hour from everything and it just becomes part of the drive. I would take a look at the electrical make sure its not knob and tubing. You sound like you have a nice mix of wood and field and there are programs out there that will pay you to change field to forest ...
by forgeblast
Wed May 23, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Teachers: what are your best personal finance tips?
Replies: 91
Views: 13451

Re: Teachers: what are your best personal finance tips?

Wife and I are both teachers. (both 18 years in this year) I would say 1. Start contributing to Retirement as soon as possible, (watch 403b plans kades hit me with a lot of fees, and I am now in fidelity) 2. if you worked outside the state buy back your years as soon as possible. (We taught in NC an...
by forgeblast
Mon May 21, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Detached Garage
Replies: 18
Views: 2366

Re: Detached Garage

Make sure they use chairs on the rebar. Do not trust them to pull the mesh up while pouring it will end up on the bottom. Rebar it and you will not have the issues of mesh.
by forgeblast
Fri May 18, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Growing Fruit Trees and Shrubs
Replies: 30
Views: 2703

Re: Growing Fruit Trees and Shrubs

We are rural, zone 5 lots of deer, and everything else that make growing items difficult. Everything we plant has to be fenced, or tree tubed. We have had luck with hazelnuts, now that they are established the deer do not make a big dent in them. Pear trees, love fresh pears, the hybrids are great. ...
by forgeblast
Fri May 18, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Creating Business - Help
Replies: 9
Views: 718

Re: Creating Business - Help

In PA there was a .gov site that had listed all the forms I had to fill out. DBA (doing business as), what type of company, registering to collect sales tax etc. Then there was the federal forms. Might be something similar in Texas...a gov cleaning house. I'll look into this for Texas. What busines...
by forgeblast
Thu May 17, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Creating Business - Help
Replies: 9
Views: 718

Re: Creating Business - Help

In PA there was a .gov site that had listed all the forms I had to fill out. DBA (doing business as), what type of company, registering to collect sales tax etc. Then there was the federal forms. Might be something similar in Texas...a gov cleaning house.
by forgeblast
Thu May 17, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Cape Cod Vacation
Replies: 11
Views: 1419

Re: Cape Cod Vacation

We go to Brewster and just love the cape.
by forgeblast
Mon May 14, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: Infrared Sauna at home
Replies: 21
Views: 3081

Re: Infrared Sauna at home

I do not have an IR sauna, I have one with the wall mounted heater and rocks. I really love it. I use it almost 3-4 times a week. I do not dump a lot of steam on it, I like the dry heat. I was able to get my sauna for 40$ (yep) on craigslist it just needed a new heater. That heater was 500$, but in ...
by forgeblast
Thu May 10, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Home Fire/Burglar Safe
Replies: 21
Views: 1507

Re: Home Fire/Burglar Safe

Stack on makes a nice safe.
by forgeblast
Mon Apr 30, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 304
Views: 41363

Re: Good Modern Science Fiction

Just finished, Silo, Shift and Dust great books thank you for that recommendation.!!Blackbirds by chuck wendig not as much science fiction but a good read. His writing style is great no wasted words.
by forgeblast
Wed Apr 25, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 8388

Re: Kitchen features

We are doing a remodel now. almost finished! no lazy susans in the corners (we lost a little space) but went with a three drawer corner unit. smaller spice and pan racks next to the stove and an island with garbage cans built into it. We had a very small galley kitchen and moved our kitchen to a dif...
by forgeblast
Mon Apr 23, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Your own General Contractor
Replies: 33
Views: 3211

Re: Your own General Contractor

Aside from pure skill, a GC has relationships with subs and the subs have an expectation of future work from the GC So true!! plus the subs will know the codes better. We opened a wall found 3 buried junction boxes all hot. Electrician sub came up the next day even though he had other places he was ...
by forgeblast
Fri Apr 20, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Interesting vs higher paying job
Replies: 40
Views: 3415

Re: Interesting vs higher paying job

pension vs non-pension...what would be more valuable.
by forgeblast
Fri Apr 20, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4970

Re: Another discussion about private vs public schools?

My wife and I are both public school teachers, and taught down south (Raleigh) and now up in PA. Public school systems there (south) went by county, here its a district (can cross county lines). In the county model there was a lot of forced busing to keep title one (free and reduced lunch) numbers l...
by forgeblast
Fri Apr 13, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: Child expenses - what to expect as your kids go from daycare to school
Replies: 20
Views: 3171

Re: Child expenses - what to expect as your kids go from daycare to school

When our daughter went from daycare to public school, we took the daycare money and immediately moved it into a 529 for her. That way we did not miss the money.
by forgeblast
Thu Apr 12, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Help with shared child being spoiled
Replies: 46
Views: 4361

Re: Help with shared child being spoiled

Need vs want. Is this something you need, or something you want. Something you want is what you spend your money on. Save up or do chores. If its something you need food, clothing, medical etc I will pay for it. :D
by forgeblast
Wed Apr 11, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: recommend a light box
Replies: 15
Views: 1497

Re: recommend a light box

Light box for drawing ? artograph I have two of them, when the bulbs go I will put in led's.
For photography? I have a Tent style one with a graduated background that I use for selling my work. (https://www.loadstonestudio.com/collect ... led-lights)
by forgeblast
Wed Apr 11, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: In need of a new Vacuum
Replies: 58
Views: 4137

Re: In need of a new Vacuum

Dyson, hands down one of the best machines out there.
We have an older corded animal (yellow) and the v6 cordless.
I highly recommend them!!!
by forgeblast
Thu Apr 05, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: 20 years old house - budgeting for maintenance
Replies: 18
Views: 2148

Re: 20 years old house - budgeting for maintenance

when doing the roof can you have them take out the skylight? We took 3 of them out of our roof and its so much better.
by forgeblast
Wed Apr 04, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Convert attached carport to Living Space
Replies: 16
Views: 1404

Re: Convert attached carport to Living Space

I keep thinking your going to spend over 20K to earn 20k. There will always be an issue that arises when doing a remodel or construction. Just make the carport conversion part of the selling process. Tell them they can do it and earn 20k in equity.....that way you do not have the remodel headache.
by forgeblast
Wed Apr 04, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Knocking pipes
Replies: 12
Views: 1631

Re: Knocking pipes

Water Hammer, I added two copper tubes to our hot/cold by our sink making this noise and it stopped.
something like this but for the pipes I had to solder it in place.
https://www.homedepot.com/p/Quiet-Pipes ... /100069256
by forgeblast
Thu Mar 29, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Home Security
Replies: 26
Views: 2683

Re: Home Security

Another thing to think about is the anti-break film on the windows, and something like the strikemaster 2 it makes the door jam stronger to prevent kick ins.
I have been looking at these
https://www.wyzecam.com/
by forgeblast
Wed Mar 28, 2018 6:41 am
Forum: Personal Consumer Issues
Topic: Purchasing an instrument
Replies: 25
Views: 1356

Re: Purchasing an instrument

Do a search tempest for all the craigs list ads you might get lucky, or keep ebay searching for you while you rent?
by forgeblast
Fri Mar 23, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 11169

Re: Losing friends/family when wealthy

This has happened with a good friend of mine. He is self made and everyone of his brothers and sisters had the same opportunity as he did. He is very successful and his family for the lack of a better word resent him for it. I think it started when he said I will help each of you once, but that is i...
by forgeblast
Fri Mar 09, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Is this too much for a kitchen?
Replies: 69
Views: 7225

Re: Is this too much for a kitchen?

So we are remodeling our mudroom into a kitchen and the small galley kitchen into a mud room. The kitchen cabinets for the 12 x12 room ran $14500. They are Kraft maid maple. We are going with granite and will find out tomorrow how much that runs. We had 3 new exterior doors installed and one interio...
by forgeblast
Mon Mar 05, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: New Kid Expenses
Replies: 31
Views: 2471

Re: New Kid Expenses

1. carrier, and you need different ones at different ages and weights. Buy the same carrier and you can get extra bases for a newborn carrier that will save a bit. 2. Crib, our turned into a day bed and then a twin, same with changing table we bought a top for it and its a book case too now. 3. form...
by forgeblast
Mon Mar 05, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 87
Views: 6405

Re: What will you do with your tax refund?

$252, not going too far but it will be in savings if we need it.
by forgeblast
Mon Mar 05, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Converting old home to open plan layout?
Replies: 45
Views: 4235

Re: Converting old home to open plan layout?

Expect it to cost more, and they might find asbestos which might have it cost a bit more.
Once you start opening things up you find all the things you need to fix.
But the nice thing is you will have the home the way you want it.
by forgeblast
Thu Mar 01, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: New construction woes
Replies: 30
Views: 3161

Re: New construction woes

I don't see why you would hire an inspector when you already know whats wrong. Like others have said, write up a punch list and the conversation with the builder should be about what they are going to do to get these items resolved and when. Get timelines in writing and if they don't follow through...
by forgeblast
Thu Mar 01, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Expanding current house vs buying your ideal house?
Replies: 14
Views: 1081

Re: Expanding current house vs buying your ideal house?

How old is the house? Once you start opening up walls you find things that you need to fix. It adds up. You could price out the work and then see what homes are on the market and compare/contrast them.
by forgeblast
Thu Mar 01, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 304
Views: 41363

Re: Good Modern Science Fiction

Neil Stephenson, anatham is by far my favorite book. I have read it about 7 times now its perfect. Thanks for the suggestion. Snow Crash was one of my all-time favorites. I liked Cryptonomicon and The Diamond Age as well. But none of his later works that I have started reading have worked for me......
by forgeblast
Wed Feb 28, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 304
Views: 41363

Re: Good Modern Science Fiction

This is right up my alley, I love sci-fi. Neil Stephenson, anatham is by far my favorite book. I have read it about 7 times now its perfect. Really most of Neil's work is great. Jim Butcher--the wizard Dresden great book series. Cyberpunk, love them. Really if it has a cover I will read it. Just got...
by forgeblast
Mon Feb 26, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Deer Garden Damage Prevention
Replies: 36
Views: 2455

Re: Deer Garden Damage Prevention

That is a lot of deer pressure. We also have it and need to fence everything. One thing that has worked if you use a lower fence, put in fishing line above it the deer bump into it and do not know what it is so they avoid it. Other then that not much else works. Deer off etc once the rain comes you ...
by forgeblast
Mon Feb 26, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Roof Shingle Recommendations
Replies: 26
Views: 2080

Re: Roof Shingle Recommendations

We have the certain teed 30 year architectural shingle. Holding up great so far. We have a 10-12 pitch roof on a modified a-frame.
by forgeblast
Wed Feb 21, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: House rewiring - cost of copper
Replies: 29
Views: 2299

Re: House rewiring - cost of copper

Around this time too, a lot of stores do inventory. They might also have sales goals.
Our home was built by the owner, and man I wish they would have hired an electrician.
We are moving our kitchen and doing a remodel and watching someone who knows what they are doing and doing it right
is a joy!
by forgeblast
Mon Feb 19, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Presenting a case for Pension vs. 403b
Replies: 6
Views: 850

Re: Presenting a case for Pension vs. 403b

Just wondering though with the DB plan (mine anyway) allows me to name one person to get my monthly payment for the rest of their life. There are four different options with our pension, 1. full monthly payment no death benift 2. (cant remember it did not apply to me) 3. reduced monthly payment but ...
by forgeblast
Mon Feb 19, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 3106

Re: Selling Timber

First off GET A FORESTER!!!! The forester works for you, you need someone on your side who will make sure your goals will be met. There are different ways to harvest a forest, some are bad. For example High grading...that is when the best trees are taken and the worse are left. The worse trees will ...
by forgeblast
Mon Feb 19, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Cooling an Upstairs Bedroom
Replies: 9
Views: 1206

Re: Cooling an Upstairs Bedroom

Can you put in a mini-split ductless ac? we have the http://www.fujitsugeneral.com/us/produc ... index.html
I have not had success with the snorkel type acs, they heated the house more then they cooled.
by forgeblast
Fri Feb 16, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Vacation in May. Boston, Martha's Vineyard, Ogunquit (cancelled Bar Harbor)
Replies: 35
Views: 2995

Re: Vacation in May. Boston, Martha's Vineyard, Bar Harbor

In Boston, the freedom trail is great, lots of nice places to dine and hang out, and if the Sox are playing Fenway is a wonderful park.
On the cape there are whale watching tours and the food ! Lobster rolls yum!
by forgeblast
Tue Feb 13, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: USPS Flat Rate Boxes - How do they work?
Replies: 27
Views: 2508

Re: USPS Flat Rate Boxes - How do they work?

I sell eBay and etsy and my own art site a lot.
I use USPS flat rate and priority very often.
Flat rate is not cheap, but like they say if it fits it ships.
Most often Priority is a better way to go, plus you have
delivery conformation and insurance ($50) included.
by forgeblast
Tue Feb 13, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Help me help my niece (College costs, financial aid, etc)
Replies: 41
Views: 2952

Re: Help me help my niece (College costs, financial aid, etc)

I am an art teacher, have a masters in art therapy, and also sell/teach art on the side. Any questions please feel free to ask me. I would say thats a lot of debt to get started with, Looking at undergrad I could have gone two years at one school or all four at a state and then got my masters (which...
by forgeblast
Tue Feb 13, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 14770

Re: What big item (>20k) are you saving up for?

Just finishing up a kitchen remodel that also included a few new doors/windows and some flooring, so the big thing I am saving for is a large barn. Looking at a 40x50 or larger. Hoping to cut most of the wood myself to save on the cost(have a bandsaw mill). So if I had someone else build it it would...
by forgeblast
Mon Feb 12, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Rolling 403b into fidelity quick question.
Replies: 3
Views: 300

Re: Rolling 403b into fidelity quick question.

Thank you both, I will keep with these three funds. I will just transfer in kind.
The fund was at Kades Margolis but their fees on top of the fund fees were killing me.
So I have not changed jobs I just changed plan providers.
This will be going into a Roth 403b account.
Appreciate the help!
by forgeblast
Sun Feb 11, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling 403b into fidelity quick question.
Replies: 3
Views: 300

Rolling 403b into fidelity quick question.

Hi all, I am currently in three fidelity funds. FID TOT MKT IDX PR (60%) FID US BOND IDX PR (20%) FID INTL INDEX PR (20%) I have $27K that I am going to roll into my account. My question is should I roll it in and keep my current allocations? Or since its a large amount pick a different fund. Thanks...
by forgeblast
Thu Feb 08, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Getting Rid of Ants in the House?
Replies: 46
Views: 3210

Re: Getting Rid of Ants in the House?

diy pest control dot com, is the site I use.
Most often I use talstar. I have actually seen a line of ants leaving an area where I put it.
by forgeblast
Thu Feb 08, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Books/articles on life 100-120 years ago?
Replies: 19
Views: 1497

Re: Books/articles on life 100-120 years ago?

I really liked the fox fire books.