Search found 312 matches

by health teacher
Fri Jan 18, 2019 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a home in one state and selling a home in another state. Should he get an Heloc to fund home purchase?
Replies: 7
Views: 389

Re: Purchasing a home in one state and selling a home in another state. Should he get an Heloc to fund home purchase?

We are closing on a HELOC next week to pay off remaining mortgage and fund down payment for new house. We had our house listed for sale and took it off the market to get HELOC.

I'd ask around if that's a route he wants to pursue. It made sense for us.
by health teacher
Fri Jan 18, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 859
Views: 158034

Re: Boglehead Beer

Harpoon's Winter Blonde is the only one I can find regularly, and even then it's seasonal. It says it's made with "vanilla cold brew from a local supplier." I enjoyed it enough that I usually buy it once or twice every winter. Thanks! With the trendiness of coffee and craft beer, I can't believe th...
by health teacher
Wed Jan 16, 2019 10:43 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 832
Views: 41724

Re: John Bogle has died at age 89

About 5 years ago I really started to "find myself" and this board had a lot to do with it. So many of you share a mindset with John Bogle and I really connect with it, not just with investing, but with life in general. While his passing brings sadness to many, I take this opportunity to express gra...
by health teacher
Thu Jan 10, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off a 30 year mortgage in 15 years? The cost of flexibility
Replies: 79
Views: 7540

Re: Pay off a 30 year mortgage in 15 years? The cost of flexibility

I'm doing a 20 year loan on our new house. Analyzing everything seemed like a never ending cycle, so I went 20 years as a sort of happy medium, financially and emotionally.
by health teacher
Sun Jan 06, 2019 12:23 am
Forum: Personal Consumer Issues
Topic: Recommend men's undershirts
Replies: 49
Views: 3516

Re: Recommend men's undershirts

I wear Nike and Under Armor dry fit t-shirts as under shirts. I highly recommend it.
by health teacher
Mon Dec 24, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Home Brewing
Replies: 27
Views: 3130

Re: Home Brewing

I enjoy drinking beer much more than making it. Which is another reason I'd encourage people to at least try brewing a few batches. The experience really gives you an appreciation for the beer that's available. The quality and consistency are something to admire. A homebrewer can make a good batch ...
by health teacher
Mon Dec 24, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Buying house - Advice requested
Replies: 39
Views: 3959

Re: Buying house - Advice requested

Something we didn't thoroughly consider that could have been a huge problem is the next door neighbors. Do they keep up with their property? It's good if they do, but then again, how anal are they about things? Do they have dogs, kids, no trespassing signs, etc. Use the county website to find out wh...
by health teacher
Tue Dec 18, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5882

Re: Kid schooling - not learning much academically. Looking for suggestions.

I don’t have any idea about other states, and I know it’s not the main point here, but I didn’t mention the IDEA and I’m pretty sure the IDEA came about after laws substantially similar to the current Oregon laws were in place, so it’s more like if the USFL had tried to tell the NFL it wasn’t playi...
by health teacher
Tue Dec 18, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5882

Re: Kid schooling - not learning much academically. Looking for suggestions.

I suspect most parents would find the results of this disappointing. My experience with IEPs (admittedly a sample of one confined to one state) is that the IEP is designed to give the kid accommodations that enable him to get the typical education the school provides to other kids. So extra time, i...
by health teacher
Tue Dec 18, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5882

Re: Kid schooling - not learning much academically. Looking for suggestions.

Public schools are obligated to evaluate private and church-related school children upon request if they have a psychological services or special education division, though they may not do it as quickly as with their public school referrals. Tim Not completely true. There has to be enough evidence ...
by health teacher
Tue Dec 18, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5882

Re: Kid schooling - not learning much academically. Looking for suggestions.

"public schools goal is to bring less able students to certain acceptable level". There is no doubt this is where the focus in public schools is; however, expectations are high and the curriculum is likely to be much better than a private school. Your child is likely to be exposed to more challengi...
by health teacher
Sat Dec 15, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Nice gifts for young kids
Replies: 33
Views: 2653

Re: Nice gifts for young kids

Zoo membership, books, Melissa and Doug food sets, Imaginext characters, bouncy house, super hero costumes, kids Disney movies, PBS kids membership (to watch wild Kratts, Daniel tiger, etc.) Playdough sets, knee hockey set, kids vet/doctor set, kids power tools sets, treasure x, little tikes bball h...
by health teacher
Sun Dec 09, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 49
Views: 4336

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

We usually do a staycation for a couple of nights in our nearby city during Xmas break. Would like to go to Florida, but the 5 RT flights during Xmas break and two teacher salaries don't mix. We use the time off to recharge, think about our practice a bit, spend time with our kids, maybe go to the z...
by health teacher
Tue Oct 09, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 3122

Re: Dayton, Ohio -- Worth Visiting?

I'm not particularly a history guy, but the Air Force Museum might be worth the trip just itself. I have family who lives within an hour from Dayton and we visited the museum and it was well worth it. There are also some breweries in and around Dayton. You could visit nearby Springfield and check ou...
by health teacher
Sat Oct 06, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 859
Views: 158034

Re: Boglehead Beer

Based on a rec. A few days ago I bought a six pack of Kujo, a col press coffee porter (6%) from Flying Dog. It's now gone and I'll have to see if I can get another, super enjoyed this one. There's a weird story about a dog on the bottle that I've since been informed is because Kujo is the name of a...
by health teacher
Sat Oct 06, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 859
Views: 158034

Re: Boglehead Beer

Backwoods Bastard is available in WV. I didn't like it though. I do like barrel aged beers at times, but this one didn't do it for me. I think I prefer the oaky taste rather than the bourbony taste I got from BB.

I did have Rogue's Hazlenut Brown Nectar last night and it really hit the spot.
by health teacher
Mon Sep 17, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: a low grade in a 9th-grade test
Replies: 44
Views: 3576

Re: a low grade in a 9th-grade test

Let this situation play out. I wouldn't say a word until the next assessment. If the score improves, I would provide some positive reinforcement. If it doesn't improve on the next assessment, I would do what others are suggesting and ask the child what he/she thinks is happening and go from there. T...
by health teacher
Sun Sep 09, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Outdoor carpet recommendations
Replies: 5
Views: 336

Re: Outdoor carpet recommendations

Buy the more plastic type of rug for outdoors. Also, look for value on the aesthetics as you will need to replace every couple years due to the sun.

We buy the $25-$50 ones from Lowes.
by health teacher
Mon Sep 03, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 859
Views: 158034

Re: Boglehead Beer

Anyone have/like a coffee blonde? Ive had this style a few times, but cant seem to get my hands on it anywhere near me. Its basically a blonde ale which is racked on coffee beans during secondary fermentation so it keeps its golden color. You get coffee on the nose with a nice blonde ale taste with ...
by health teacher
Sat Sep 01, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Running/Attending 1st Marathon - Philadelphia
Replies: 9
Views: 891

Re: Running/Attending 1st Marathon - Philadelphia

My experience running and also attending the pittsburgh marathon taught me its not the logistical nightmare you might imagine. The city was pretty status quo and while there were road closures due to the race, the main traffic veins are open and we didn't really hit any traffic, at least no rush hou...
by health teacher
Sat Sep 01, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Should I go ahead and replace noisy washing machine now or wait?
Replies: 11
Views: 561

Re: Should I go ahead and replace noisy washing machine now or wait?

In a situation like this, first I consider the cost of repair. If I don't like the numbers, I start looking at stores when I'm there (not special trips) for dink and dunk replacements and if I find value, I replace. I also start keeping an eye out on Craigslist as you can often find pretty good deal...
by health teacher
Wed Aug 29, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4340

Re: Bone in my food

Would you prefer the deep fried, breaded, meat milkshake that is a fast food chicken nugget? Obviously you aren't expecting a bone in your food, but this is a processing issue that you will encounter at any mainstream food place, maybe any food place for that matter. Tell the manager if you want. Gi...
by health teacher
Wed Aug 29, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 157
Views: 10702

Re: How do you save money on groceries?

Meat is expensive. Even if you don't make it much, try to go with chicken breast when it is on sale. Drinks are expensive. Water should be primary source of hydration. We shop at Aldi. Family of 5 (3 kids under 6) and our budget is about $500 per month or $6,000 per year. Teen years are apparently g...
by health teacher
Mon Aug 06, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Your opinion on online courses?
Replies: 26
Views: 2360

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: 1007

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: 7916

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: 5543

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: 1801

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: 5543

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: 5543

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: 746

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: 3413

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: 3413

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: 4661

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: 6801

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: 5540

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: 2489

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: 1532

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: 859
Views: 158034

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: 3093

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: 1227

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: 1663

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: 5748

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: 7274

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: 7274

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: 3137

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: 2983

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: 8903

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: 8903

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: 2563

Re: I-bonds in December

I am splitting between I bonds and 529 for all 3 of my youngsters.