Search found 289 matches

by health teacher
Mon Aug 06, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Your opinion on online courses?
Replies: 26
Views: 2051

Re: Your opinion on online courses?

They are not all created equal. Additionally, they aren't for everyone. The first step when learning something is engagement. So, if you are interested in a subject, intrinsic engagement could come from reading about it, either through text or learning modules; however, you could still be interested...
by health teacher
Tue Jul 10, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Suggestions for the Minneapolis Area
Replies: 9
Views: 874

Re: Suggestions for the Minneapolis Area

Not a local, but in the middle of a trip in that area right now actually. It all depends on what you're looking for. 3.45 hrs- Apostle Islands in Bayfield, WI. 2ish hrs Duluth, MN. Lots of lakes along route 35 on the way to Duluth from Minneapolis. Minnehaha Park in Minneapolis, MI. Mill City Museum...
by health teacher
Mon Jul 02, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Building a Pool
Replies: 64
Views: 7375

Re: Building a Pool

How do you feel about the depth? 4ft is great so far. Easy to clean, great for pool sports, no diving board risk (no fun either, but kids are still young), if a kid falls in, its an easy rescue (im serious here). Kids love it. I have mastered the angle to do a cannon ball and not smack my tush off ...
by health teacher
Sun Jun 03, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Buy an old farmhouse?
Replies: 52
Views: 5191

Re: Buy an old farmhouse?

Update here:

We verbally negotiated down to 245k and we are in the process of getting it in writing to make the purchase contingent on inspections.

Thanks for both sides of input and any new input regarding inspections is appreciated.
by health teacher
Sun Jun 03, 2018 6:10 am
Forum: Personal Consumer Issues
Topic: Family Summer Beach / Lake House Destinations
Replies: 16
Views: 1700

Re: Family Summer Beach / Lake House Destinations

Block Island in RI might be worth a look. I havent been to Cape Cod, but Block Island seems like a cheaper, quieter, but less developed comparison. There are a variety of beaches and things to do outside, but it isn't like Rehoboth which has everything a tourist could want. Youd probably want bikes ...
by health teacher
Tue May 22, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Buy an old farmhouse?
Replies: 52
Views: 5191

Re: Buy an old farmhouse?

OP here with additional info Kids are 5,3, and 1. Wife and I are both off most of June through most of August which helps with maintaining it, but I understand grass grows april to november. We would have to remove snow, but as teachers are fortunate to have 2 hour delays and cancellations on snow d...
by health teacher
Tue May 22, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Buy an old farmhouse?
Replies: 52
Views: 5191

Buy an old farmhouse?

The wife and I are strongly considering buying an 1844 3k sqft farmhouse on 15 acres. We've been processing things for about 2 weeks now. Kinda long, but all things considered, what advice do you have? Currently, we live on a 50' by 100' lot in a 2 story 1600 sq ft, 3 bed, 2 bath home on a block ful...
by health teacher
Sat May 05, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Cost versus convenience
Replies: 11
Views: 659

Re: Cost versus convenience

Do you have kids? It takes time to load and unload. Can you make it an efficient, multi purpose trip? Are you going to be tempted to buy something unnecessary at the store. I'm at the point in life where I'm not going to be too analytical on something like this. I can do this, because I've made smar...
by health teacher
Tue May 01, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Avocado Timing
Replies: 40
Views: 3187

Re: Avocado Timing

You really need to puree it good to "smooth it out". Avocados are so darn hard to mash without a blender. Really? Nicely ripe avocados are pretty easy for me to mash up with a fork. Blending them would produced an inferior guacamole. I like a bit of texture. I'm generally a heterogeneous kind of gu...
by health teacher
Tue May 01, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Avocado Timing
Replies: 40
Views: 3187

Re: Avocado Timing

pezblanco wrote:
Tue May 01, 2018 9:22 am
the delicate flavor of the avocados.
I upgraded my food processor and quickly made some guac this morning. I was totally missing out on the delicacy of the avocado whipped to perfection.
by health teacher
Sat Apr 28, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Family vacationing
Replies: 41
Views: 4338

Re: Family vacationing

Food, shelter, entertainment, and travel are the main components of vacation. Cook yourself most nights for food. Camp, yurt, cabin, hotwire 80-85% approval or better, airbnb, vrbo (souring a bit here recently) for shelter. Parks, beaches, hiking, walking, pool, for entertainment most days. Drive. O...
by health teacher
Sat Apr 21, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 6128

Re: Settlement Offer -- Accept or Wait?

You should wait a week or 2 just in case, let them know you are considering consulting a lawyer (leave it at that) and also consider countering with a higher amount, say $2200-$2500. The insurance company is NOT on your side. Even if your injuries are minor, the insurance company wants to rid itself...
by health teacher
Thu Apr 19, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4968

Re: Another discussion about private vs public schools?

What are your thoughts? You need to focus on the first 5 years of your child's life as this is where an incredible amount of development takes place. You both want to keep high responsibility jobs, but your child needs you physically and emotionally those first several years. Any suggestions? Relax...
by health teacher
Tue Apr 10, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Driver's permit before 18 - Any financial incentive
Replies: 52
Views: 2184

Re: Driver's permit before 18 - Any financial incentive

Back in 2001, I got my permit at 15 and license at 16. I also got my first job at McDonald's at 16 and paid for everything, literally. Taxes, gas, insurance, little stupid neon lights I put under the seat that I thought was cool. I worked hard for $5.15 an hour through high school while balancing ev...
by health teacher
Sun Apr 08, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: replace 2004 Honda Accord ?
Replies: 14
Views: 1447

Re: replace 2004 Honda Accord ?

I wouldn't use the same rationale at 200K as I would at 100K in regards to the timing belt and tensioner. At 100K it's worth it to change it since a catastrophic failure between 100k and 150k really robs you of the car's value since it easily has another 50-100k left it in. At 200k, the car can real...
by health teacher
Thu Mar 29, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 148306

Re: Boglehead Beer

There is a special place in my soul for Two-Hearted... I made the mistake of having 3 in one evening and had a pretty bad hangover. As I get older, I've noticed the hoppier beers really hurt me the next day. I think research contributes it to the hop oils. My hangover basically consists of feeling ...
by health teacher
Mon Mar 26, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Should I proactively replace my central AC unit?
Replies: 33
Views: 2723

Re: Should I proactively replace my central AC unit?

When I had a part replaced on my unit I asked my HVAC guy this question and he said to let it ride. He said AC units outlast furnace significantly as long as debris (grass clippings, leaves, etc) is cleared from the unit. So, I will not be proactively changing my AC unit. Both my AC and furnace are ...
by health teacher
Mon Feb 19, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: IKEA Kitchen Cabinets?
Replies: 6
Views: 1000

Re: IKEA Kitchen Cabinets?

Year 7 of Ikea cabinets. Good value. The cabinets themselves can literally be assembled with a screwdriver. It shouldn't be a problem for a pro installer to hang them. We did our entire kitchen for 10k including appliances, tile, backslash, etc. We did all labor, but my father in law knew what he wa...
by health teacher
Wed Feb 07, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Water Leak from shower stall - how to detect
Replies: 16
Views: 1460

Re: Water Leak from shower stall - how to detect

If I had to "guess" it's probably drain/shower floor related. Does any water pool up on the shower floor at all? Tile and grout are permeable so if a membrane was not installed correctly with the shower pan, leaks are inevitable. You can caulk the shower floor and put 3-4 coats of tile and grout sea...
by health teacher
Sat Feb 03, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: Life Balance of spending and saving
Replies: 54
Views: 5271

Re: Life Balance of spending and saving

Put a pool in almost 6 years ago. Love it, but the wife and I are off all summer. $125K is insane as you noted and would have been out of my price range, BUT the piece of mind and sense of pride I have with a beer by the pool or watching my kids and the neighbors play in it all summer is priceless t...
by health teacher
Fri Jan 26, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Amica Increase
Replies: 59
Views: 6544

Re: Amica Increase

Homeowners in WV
by health teacher
Fri Jan 26, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Amica Increase
Replies: 59
Views: 6544

Re: Amica Increase

Just got the 2018 price.

2017 yearly price: $685
2018 yearly price: $885

Ouch.

I'll shop around, but I'm not very optimistic.
by health teacher
Tue Jan 23, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Is a minivan the only commuter vehicle / backup with 3 children?
Replies: 40
Views: 2890

Re: Is a minivan the only commuter vehicle / backup with 3 children?

3 kids: 5,3,1

2016 Odyssey for my wife.

2005 CRV for me with 23 mile highway commute 180 days a year.

Works wonderfully.
by health teacher
Tue Jan 09, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Car recommendations needed for growing family
Replies: 34
Views: 2613

Re: Car recommendations needed for growing family

I went through this 2 years ago and Bogleheads helped me see the light.

Honda Odyssey. One of the top purchases I've made in my life so far.

Safe, handles nicely, comfortable for all, sliding doors are amazing, trunk space for days.

No brainer, well maybe a Sienna if that's what you prefer.
by health teacher
Thu Dec 28, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 8221

Re: The Economics of a new Puppy

Bacchus01 wrote:
Thu Dec 28, 2017 6:18 pm
health teacher wrote:
Thu Dec 28, 2017 5:53 pm
10-12 years is a LONG time.
We had a dog before. We know.

That doesn't change it being a long time of course.

I wish I could go back and tell 22 year old me this!
by health teacher
Thu Dec 28, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 8221

Re: The Economics of a new Puppy

10-12 years is a LONG time.
by health teacher
Thu Dec 14, 2017 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: I-bonds in December
Replies: 10
Views: 2418

Re: I-bonds in December

I am splitting between I bonds and 529 for all 3 of my youngsters.
by health teacher
Tue Dec 05, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 76
Views: 8730

Re: Dad Needs Help Buying Wedding Liquor

5:30 to 10:30 open bar doesn't seem too out of the ordinary... Cocktail hour from 5 or 5:30-6:30, close for dinner, open back up 7:30 to 10:00 or 10:30. 5-6 liters each of vodka and rum, 3-4 liters each of Jack Daniels and Makers Mark, 1-2 liters of gin is what I'd go with. Most people will be fine ...
by health teacher
Tue Dec 05, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 76
Views: 8730

Re: Dad Needs Help Buying Wedding Liquor

Need to know how many guests too. Also, you'll need more of certain liquors (rum and vodka) than you will of gin for example. Some stores allow you to return unused bottles so you might want to ask that when purchasing. You can always gift unused bottles to the newly weds as a nice bar starter or pe...
by health teacher
Tue Nov 28, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Amica Increase
Replies: 59
Views: 6544

Re: Amica Increase

I am long time State Farm customer and this year did a comparison of my 3 policies: auto, home and umbrella with State Farm, Geico, Amica and Ameriprise (Costco). Policies scheduled to renew/start in December 2017. Results were: Geico - $2,383 State Farm - $2,432 Ameriprise - $2,619 Amica - $2,979 ...
by health teacher
Mon Nov 27, 2017 8:02 am
Forum: Personal Consumer Issues
Topic: Amica Increase
Replies: 59
Views: 6544

Re: Amica Increase

Not looking forward to this when it's time to renew with Amica in a few months. Geico has been inching me up a few bucks on car insurance the last two renews. It's all a part of the insurance game. You just have to shop around every 2ish years. Amica and Geico saved me hundreds on insurance due to m...
by health teacher
Fri Nov 03, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Costco kitchen Cabinets and design service....
Replies: 13
Views: 3773

Re: Costco kitchen Cabinets and design service....

I have never looked at Costco cabinets so I can't judge them, however several years ago I stumbled across Ikea cabinets and after a through look I was impressed. All Hardware is Blum under mount ball bearing slides and hinges which are all soft close Yes, the carcasses are MDF however it is thermo ...
by health teacher
Sat Oct 28, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Vacation ideas in Jan/Feb?
Replies: 25
Views: 2737

Re: Vacation ideas in Jan/Feb?

Sanibel Island/Captiva or Fort Myers are good choices, but not 100% sure of the beach conditions after the hurricane. Sanibel is great for shelling, but the beach isn't as wide or fine as Fort Myers or other Florida beaches. Fort Myers has a lot of snowbirds/retirees. You're 6 year old will be a mag...
by health teacher
Thu Oct 26, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: Upgrade my Roku?
Replies: 34
Views: 3800

Re: Upgrade my Roku?

I don't understand why roku is still needed unless you have specific channels that you want other than Netflix, Amazon and Hulu as they are included in almost all newer smart tvs. 1. A new smart TV is way more expensive than a Roku. 2. The specific channel thing you mentioned. To the OP: As others ...
by health teacher
Fri Sep 29, 2017 11:50 pm
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 4196

Re: Caught by speed camera

I doubt it goes to collections. They are splitting 50/50 with the camera company. They are raking in the revenue, I doubt either party wants to go to collection over $50 which will net them, what, $30. They allegedly brought in like 80k in revenue from these tix the first few months. Sad really, our...
by health teacher
Fri Sep 29, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 4196

Re: Caught by speed camera

Route 11/30 speed trap, hiding in some grassy knoll probably. Contest it. Its ridiculous through there. Hiding and snapping pics, it really boils my blood on my way to work in the AM. I see them 3-4 days a week. If they don't have your face, it was your cousin, brother, etc. The chief might throw it...
by health teacher
Thu Sep 14, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: AMEX app
Replies: 16
Views: 1005

Re: AMEX app

Just a little easier to access. Streamlined.
by health teacher
Tue Sep 05, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 45487

Re: Name something you had to have and now you regret purchasing it?

My kegerator. I got it for $100 on CL with new lines, 5lb C02, regulator, etc. I've thought about selling a few times, but the wife said once it's gone, it ain't coming back. It sits so perfectly in its spot, but then I realize how much less alcohol I'd drink if I didn't have it and I regret the pur...
by health teacher
Fri Aug 25, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Storing a push lawn mower
Replies: 21
Views: 2476

Re: Storing a push lawn mower

I keep my mower, blower, weedeater, 2 gas cans, and a few small tools in something like this: http://www.homedepot.com/p/Rubbermaid-4-ft-x-2-ft-5-in-Large-Vertical-Storage-Shed-1887156/204721844 I kind of put the mower in at an angle and parallel park it so to speak. It's not a perfect fit and the m...
by health teacher
Mon Aug 21, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 15310

Re: Is it worth it? [demanding jobs vs time with family]

OP......you knew you needed to make changes in your schedule even before you started this thread. You started this thread for confirmation.......you now have it. +1 Also, thanks to Ed for sharing his story and providing some excellent perspective. My wife and I get a lot of priceless time with the ...
by health teacher
Wed Aug 09, 2017 6:02 am
Forum: Personal Consumer Issues
Topic: Metal vs Vinyl sheds
Replies: 25
Views: 2451

Re: Metal vs Vinyl sheds

The metal sheds I see around my neighborhood look awful after a few years. I always notice dents and rust. I'd go with vinyl without a doubt. If you're worried about thievery, if someone wants in, they're getting in. Its just as easy to break the glass in your windows or the wood in your door jamb i...
by health teacher
Mon Aug 07, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Acadia National Park: Bar Harbor, Maine
Replies: 28
Views: 3217

Re: Acadia National Park: Bar Harbor, Maine

We had a great stay at Isleview Motel and Cottages two years ago. They have a number of cottages to choose from. http://www.isleviewmotel.com/ Our morning tea area: http://i.imgur.com/aiJ0mnm.jpg Nice little lobster pound right across the street too. Great budget friendly place just on the outskirt...
by health teacher
Sun Aug 06, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Trip to Maine
Replies: 38
Views: 3361

Re: Trip to Maine

We went to Maine from the Western Pittsburgh area two summers ago. It was awesome. At the time we had two small children (now we have 3) at almost 3 yo and 6 months. We flew southwest to Portland with a connecting flight in Baltimore IIRC. We stayed a total of 8 nights and rented a car once we arriv...
by health teacher
Mon Jul 31, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Sunroom Worth It?
Replies: 15
Views: 2773

Re: Sunroom Worth It?

ETadvisor wrote:What is the budget for the Sunroom addition?
Honestly, not sure. I don't know the number I'd be willing to spend for an additional 190 sq ft. It would definitely have to be under 10k, closer to 5k. Already on full foundation and covered in LCOL with some potential DIY, I think it's realistic.
by health teacher
Sun Jul 30, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Sunroom Worth It?
Replies: 15
Views: 2773

Sunroom Worth It?

DW and I are trying to maximize space in our almost 1600 sqft 2 story with 3 kiddos. We currently have an 8' x 24' covered front porch on a full foundation. We live near Pittsburgh so we really only use the porch 6 months or so out of the year. We have thrown around the idea of converting the front ...
by health teacher
Mon Jul 24, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: How to organize toddler books
Replies: 17
Views: 1766

Re: How to organize toddler books

We use a decorative basket (roughly 14" by 14") on each floor to house some of our books. They each hold maybe 20-30 books. The majority of the books are in the kids' closets in baskets from IKEA. My wife changes the books out a few times a year to mix it up and sub in some books that coincide with ...
by health teacher
Thu Jul 20, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 9360

Re: Would you let your teenager spend all his savings on a gaming computer?

Constructivism is a high level learning theory. Let the kid do it. He earned it.
by health teacher
Tue Jul 18, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a House in Foreclosure?
Replies: 13
Views: 1744

Re: Buying a House in Foreclosure?

I bought a foreclosure in 2010. Usually, they are sold "as is" so you'll want to make your offer contingent on a home inspection. Mine had a few natural gas leaks and, since they were a major hazard, the bank had them fixed prior to the sale, but that's probably about all they will get into. You def...
by health teacher
Thu Jul 13, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: DirectTV Install
Replies: 14
Views: 1456

Re: DirectTV Install

I will add when you cancel the service, they do not come and take down the dish. Mine is still on my roof, mostly hidden by my chimney.
by health teacher
Wed Jul 12, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Outside Pittsburgh short trip ideas
Replies: 36
Views: 3040

Re: Outside Pittsburgh short trip ideas

Settler's Ridge is a nice newer shopping area in Robinson, PA. Kennywood is a really cool amusement park. Oglebay Resort in Wheeling, WV is worth a look. The Wheeling Symphony is doing an outdoor concert the weekend you're referring to. Wheeling isn't a bad little city at all with some things to do ...