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Re: Need Ear Bud Recommendation

http://www.amazon.com/JayBird-BlueBuds- ... B00AIRUOI8

Jaybird Bluebuds X and some comply foam tips work great. Use them daily.
by GeauxBR
Wed Apr 23, 2014 8:49 am
 
Forum: Personal Consumer Issues
Topic: Need Ear Bud Recommendation
Replies: 20
Views: 1214

Re: Does Mint.com randomly access your account?

I know on the mint app for android you can set it to update in the background every 4hours so that it's more up to date when you open it. Maybe this is happening if you are also checking it with a phone
by GeauxBR
Mon Apr 14, 2014 8:41 am
 
Forum: Personal Consumer Issues
Topic: Does Mint.com randomly access your account?
Replies: 25
Views: 1958

Re: Do you work part time in retirement?

I'm an owner/operator of a small pest/termite company. If my son does not want the business when i retire (he's 2, so thats a long way off) i plan to sell it outright and keep enough work to maybe do a route a couple mornings a week. Just to keep busy, and to keep some cash coming in. That's the pla...
by GeauxBR
Mon Mar 24, 2014 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you work part time in retirement?
Replies: 59
Views: 3910

Re: Do you have a side job?

I cut grass on Fridays (get out of my real job at noon) and Saturdays. Started out a few years ago doing quite a bit (15k) of it on the side but when we had our baby I dropped some accounts and downsized it to just my area, should still be around 8-9K this year. At first it was to pay off medical de...
by GeauxBR
Mon Mar 10, 2014 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a side job?
Replies: 58
Views: 4785

Re: Party Decoration - how to minimize spending

If it's kid parties check out oriental trading.
by GeauxBR
Mon Feb 10, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Party Decoration - how to minimize spending
Replies: 6
Views: 349

Re: Valentine's Day

Us and 3 other couples go to a nice Italian place for Vday every year. Now that we all have small children it's good to get out together since we see less of each other.
by GeauxBR
Mon Feb 10, 2014 2:25 pm
 
Forum: Personal Consumer Issues
Topic: Valentine's Day
Replies: 43
Views: 2606

Re: Low Income Budget

Not really budget info, just encouragement. You are on the right track. My wife and i were 21/23 when we got married in '06. We made just a bit more than you do now (offset by a slightly larger mortgage so it's a wash). Tithing and savings were very important to us as well. The first ~4 years we bot...
by GeauxBR
Fri Jan 31, 2014 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Low Income Budget
Replies: 70
Views: 3973

Re: Do you have a Savings Account?

We have one that holds our e-fund. Once we hit the "number" we left it alone and the money we were budgeting to save every month is now on auto draft to max the roth's.
by GeauxBR
Wed Jan 29, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a Savings Account?
Replies: 64
Views: 4999

Re: S Corps, health insurance, and ACA

Our family business is an s corp. We only have 4 employees (family) and we all are on our spouse's insurance from their employers. So we don't do anything insurance related.

Is there anything in particular we should be looking out for?
by GeauxBR
Wed Jan 22, 2014 11:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: S Corps, health insurance, and ACA
Replies: 16
Views: 1186

Re: swimming pool pumps

We got this last year from amazon. Have been extremely happy with it and saved quite a bit of money on it.
by GeauxBR
Tue Jan 14, 2014 11:43 pm
 
Forum: Personal Consumer Issues
Topic: swimming pool pumps
Replies: 8
Views: 749

Re: Doom and Gloom

To keep within forum rules, I'll go with a general comment: the composition of your list pretty much reveals your news sources. I'd recommend consuming less media generally. We live in a politically polarized age, and it's always in some party's interest to represent the current state of affairs as...
by GeauxBR
Tue Jan 14, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Doom and Gloom
Replies: 41
Views: 2578

Re: Non-retirees: Envisioning Retirement

I'm 31 and the wife is 29. I hope to retire at 55 but shouldn't have any issues if i need to go a little longer with work. I'm an owner/operator of a small service business where i make my own schedule (a very busy one) but I think as i get closer to retiring i can sell some of it off and just keep ...
by GeauxBR
Mon Jan 06, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Non-retirees: Envisioning Retirement
Replies: 62
Views: 4366

Re: Preemptive water heater replacement: worth it?

We are doing an addition next year though (master bed/bath), will look hard at the new tankless stuff. From my reading of tankless, there are reported problems with sufficient heating in colder climates (this may not pertain to you), and also a high early failure rate (first few years). Hybrids and...
by GeauxBR
Mon Dec 30, 2013 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Preemptive water heater replacement: worth it?
Replies: 59
Views: 3575

Re: Preemptive water heater replacement: worth it?

Ours is 33 years old, older than the wife and i :mrgreen:

We are doing an addition next year though (master bed/bath), will look hard at the new tankless stuff.
by GeauxBR
Sun Dec 29, 2013 6:54 pm
 
Forum: Personal Consumer Issues
Topic: Preemptive water heater replacement: worth it?
Replies: 59
Views: 3575

Re: Celebrating the small financial victories....

Our 2013 victory was paying off medical debt from the birth of our son, also while finishing up our 6 month emergency fund. I've already set the automatic drafts to max out our first roth in 2014 with these savings.
by GeauxBR
Thu Dec 26, 2013 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Celebrating the small financial victories....
Replies: 42
Views: 3882

Re: How long do you keep your cars? Why do you replace it?

We are holding out in our current car ('03 honda pilot) a few more years until we likely buy another pilot. The goal is to keep the next one for another 10 years until our son has his license and we will give it to him. At that point our home will also be paid for and we plan to reward ourselves wit...
by GeauxBR
Tue Dec 17, 2013 12:51 pm
 
Forum: Personal Consumer Issues
Topic: How long do you keep your cars? Why do you replace it?
Replies: 72
Views: 4944

Re: LTE - does it give better coverage?

Something else to consider is not every network has Voice over LTE yet (ATT doesn't). So even if you are sitting in an lte area, when an actual voice call comes in you will be kicked down to a 3/3.5G network to handle the call. Once the call is complete you will hop back up to LTE for data.
by GeauxBR
Wed Dec 04, 2013 6:33 pm
 
Forum: Personal Consumer Issues
Topic: LTE - does it give better coverage?
Replies: 9
Views: 689

Re: My Dads gift..

Google Nexus 7.

It's "mom-proof". I gave one to my mom (tech noob) last year for Christmas and she loves it.
by GeauxBR
Thu Nov 28, 2013 12:05 pm
 
Forum: Personal Consumer Issues
Topic: My Dads gift.. [Tablet PC]
Replies: 22
Views: 1077

Re: How Close Are You To Your Number and Financial Independe

I have a small business that consists of my wife, myself, and one employee. It's been good to me with hard work and has got me where I am today financially but I am at the burnt out stage now. I have lost interest and have just been going through the motions. I am just hanging on trying to keep the...
by GeauxBR
Mon Sep 30, 2013 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Close Are You To Your Number and Financial Independence?
Replies: 71
Views: 6203

Re: Young Guys [and Gals] Making Good Money

To each his own, but I'd much rather make $60k in a low stress job working 40 hours a week, than make six figures in a high stress 60+ hour a week job. Think about what makes you happy in your life. I don't think anyone on their death bed wished they spent more time at work. +1 Perspective changes ...
by GeauxBR
Wed Sep 25, 2013 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 22549

Re: Old 401k just sitting

3. If a tIRA is not a good idea for you, then the other two options are stay with the existing 401k. Per item 1, that might not be an option. The other option is to roll the funds to the current employer 401k. I'd suggest you look into this more. A 3-4 year waiting period to participate is VERY unu...
by GeauxBR
Fri Sep 20, 2013 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old 401k just sitting
Replies: 4
Views: 562

Old 401k just sitting

My wife has an old 401k sitting (doing nothing) in a money market account. It has just under 4k in it. IIRC her new job wont start a 401k until she has been there 3-4 years. Should we do anything with this money for the time being? Or just hold onto it until it can roll into her new plan. We will ha...
by GeauxBR
Thu Sep 19, 2013 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old 401k just sitting
Replies: 4
Views: 562

Re: Annual termite inspection / retreatment. Stumped in Rale

I own a Pest/Termite company in Louisiana so maybe I can be of some help here. Keep in mind though that regulations and contract language varies from state to state. When an house is built the contractor contacts a termite company to do the "pre-treatment". Basically a soil treatment befor...
by GeauxBR
Thu Sep 12, 2013 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Annual termite inspection / retreatment. Stumped in Raleigh.
Replies: 21
Views: 2647

Re: Childcare costs

In/Around Baton Rouge You can look at $125-160 a week depending on age. Our sitter does in-home care for $100/week (cash) and she is in our subdivision...hard to beat.
by GeauxBR
Wed Sep 04, 2013 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Childcare costs
Replies: 43
Views: 2803

Re: Boglehead Beer

I'm a big fan of local microbrewies and am lucky to have two fairly new ones close by. I had a Parish Brewing Company "Envie" American pale ale this morning before bed. They are located in Lafayette, LA and make wo different very tasty beers. They don't pasteurize their product so its a m...
by GeauxBR
Thu Aug 22, 2013 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 324
Views: 36837

Re: Poll: Retirement savings by mid 30s?

Age 30, 50k.
by GeauxBR
Mon Aug 19, 2013 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Retirement savings by mid 30s?
Replies: 35
Views: 4980

Re: Home Mortgage - Paid off at 40 - thanks to bogleheads

Congrats! I'll be 31 in the fall and our mortgage (15yr) will be done when I'm 42. I have a personal goal to get it paid by my 40th birthday.

:sharebeer to the extra cash flow
by GeauxBR
Fri Aug 16, 2013 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Mortgage - Paid off at 40 - thanks to bogleheads
Replies: 23
Views: 3431

Re: Buying car from rental companies such as Enterprise, etc

I have 2 friends that work for Enterprise here in Baton Rouge. Their vehicles are very well maintained and I wouldn't hesitate on buying from them.
by GeauxBR
Tue Apr 23, 2013 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying car from rental companies such as Enterprise, etc..
Replies: 16
Views: 1602

Re: Do I really need a Smartphone?

The wife and I take full advantage or our smart phones. Music streaming, email, they have great cameras, and general browsing of the internet. The question for us is "do we really need a desktop and laptop in the house".
by GeauxBR
Fri Apr 05, 2013 10:00 am
 
Forum: Personal Consumer Issues
Topic: Do I really need a Smartphone?
Replies: 433
Views: 25697

Re: Nexus 4

Look for apps on the market that measure data usage. Some phones have this feature in the os, but if not there should be an app for it. This way you can know before you switch and get stuck. Streaming Pandora/Google music doesn't use too much data iirc. Just depends how many hours per month you stre...
by GeauxBR
Thu Mar 28, 2013 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Nexus 4
Replies: 31
Views: 3719

Re: Nexus 4

I just looked into the Nexus 4, and was disappointed by the limited storage capacity and the fact that you cannot expand it. That would not be a problem for many, but if you store a lot of music, for example, it might be a deal-breaker. Google seems to be forcing everyone to the cloud with this. I ...
by GeauxBR
Sun Mar 24, 2013 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Nexus 4
Replies: 31
Views: 3719

Re: Recommendations for good marriage finance books?

I'd find a local church offering Dave Ramsey's FPU or just work through the books together. Get on the same page as your spouse as early as possible when it comes to money/budget.

Not really a book rec, more of a newlywed rec. And congrats!
by GeauxBR
Thu Mar 21, 2013 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommendations for good marriage finance books?
Replies: 3
Views: 468

Re: Tipping a hairdresser

barber shop charges $13. I always give $15. Takes less than 10mins to cut my hair. During the summer months i just shave my own head as i'm too busy to go get a cut.
by GeauxBR
Tue Mar 19, 2013 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Tipping a hairdresser
Replies: 85
Views: 5950

Re: What's your number? Why?

BHCadet wrote:So, I'm one piss off away from retirement.


:sharebeer congrats
by GeauxBR
Tue Mar 19, 2013 8:30 am
 
Forum: Investing - Theory, News & General
Topic: What's your number? Why?
Replies: 258
Views: 21219

Re: Fired my Smartphone Carrier

If you are using an android device + Google maps for your navigation go into maps settings and download your town/area for offline use. That may save you having to purchase a standalone GPS unit.
by GeauxBR
Sun Mar 17, 2013 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Fired my Smartphone Carrier
Replies: 39
Views: 3300

Re: Things I should buy/experience while in my 30s?

The one big thing we spend money on is concerts. We live in a modest house, drive a 10 year old car, and save monthly. We cut loose on the funds though when it comes to live music. We figure bands aren't guaranteed to be around and touring when we retire so we make it a point to see them now in our ...
by GeauxBR
Sun Mar 17, 2013 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Things I should buy/experience while in my 30s?
Replies: 112
Views: 9657

Re: Moving Simple IRA to Vanguard

Good to know. I'll be moving roughly 40k in, so no discount just yet.
by GeauxBR
Fri Mar 15, 2013 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving Simple IRA to Vanguard
Replies: 6
Views: 341

Re: Moving Simple IRA to Vanguard

Edited another bit out. I think for simplicity's sake I'll go target date.

Thank you Taylor and Bottomfisher for the replies!
by GeauxBR
Thu Mar 14, 2013 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving Simple IRA to Vanguard
Replies: 6
Views: 341

Moving Simple IRA to Vanguard

I'm in the process of moving my Simple IRA from work (self employed) from Pershing to Vanguard and had a question on allocation. This may just be a personal preference call, but is there any reason I should set it up using the 3-fund portfolio model Taylor listed over just using a Target-Date fund? ...
by GeauxBR
Thu Mar 14, 2013 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving Simple IRA to Vanguard
Replies: 6
Views: 341

Re: What Type Of Wallet Do You Prefer?

http://www.amazon.com/Dosh-Piano-Billfo ... roduct_top

This may be my next wallet..

It's expensive but I keep wallets about 10years. Also I tend to carry a lot of cash and drive all day so the low profile is appealing for seat comfort.
by GeauxBR
Wed Mar 13, 2013 5:13 pm
 
Forum: Personal Consumer Issues
Topic: What Type Of Wallet?
Replies: 90
Views: 7621

Re: What % of gross income do you spend on rent/mortgage?

20% here. 30 & 28 year old couple. Half way through our 15 year mortgage. Can't wait till it's done!
by GeauxBR
Wed Mar 13, 2013 1:54 pm
 
Forum: Personal Consumer Issues
Topic: What % of gross income do you spend on rent/mortgage?
Replies: 132
Views: 6680

Re: Termite Treatment Options

Thanks for all the feedback. GeauxBR, my exterminator recommended treatment with IMAXX Pro ( a generic form of Premise 75) over Termidor. He also recommends re-treatment every 7 years. Could you expound a bit on your reason for endorsing Termidor? 7 years seems about right. We write contracts betwe...
by GeauxBR
Tue Mar 12, 2013 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Termite Treatment Options
Replies: 5
Views: 665

Re: Termite Treatment Options

We own a small pest/termite company in Louisiana. As far as chemical vs baiting goes.. we never just bait. At minimum we do a liquid barrier (chemical treatment) and sometimes (bad infestations/homeowner request) we combo it with a bait system as well. Different states have different rules/regs as f...
by GeauxBR
Sun Mar 10, 2013 11:17 am
 
Forum: Personal Consumer Issues
Topic: Termite Treatment Options
Replies: 5
Views: 665

Re: Saving money on Smarphones

google nexus 4 + straight talk unlimited plan.

edit: just noticed verizon, i guess page plus is their pre-paid option
by GeauxBR
Tue Mar 05, 2013 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Saving money on Smarphones
Replies: 21
Views: 1473

Re: Trading in for better mpg

Gas would have to be at like $10/gal for me to consider adding a car note to save money.
by GeauxBR
Mon Mar 04, 2013 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Trading in for better mpg
Replies: 43
Views: 2196

Re: How old is a Boglehead?

Proud of my fellow 30 and under's showing up. Shocked actually that it's around 20%. This is good
by GeauxBR
Sun Feb 24, 2013 9:29 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old is a Boglehead?
Replies: 16
Views: 2430

Re: Technological alternatives to do not call list

I have all of our business calls forwarded to my cell phone (don't have a secretary). From there i run an this app: Root Call Blocker Pro (android) that allows me to build a blacklist with custom filters like blocked numbers, the number 0 only, certain area codes or i can go through my call history...
by GeauxBR
Thu Feb 21, 2013 10:02 am
 
Forum: Personal Consumer Issues
Topic: Technological alternatives to do not call list
Replies: 16
Views: 963

Re: Technological alternatives to do not call list

I have all of our business calls forwarded to my cell phone (don't have a secretary). From there i run an this app: Root Call Blocker Pro (android) that allows me to build a blacklist with custom filters like blocked numbers, the number 0 only, certain area codes or i can go through my call history ...
by GeauxBR
Wed Feb 20, 2013 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Technological alternatives to do not call list
Replies: 16
Views: 963

Re: Two Qs about Apps for Android

https://play.google.com/store/apps/deta ... r.ad&hl=en

MX PLayer can pretty much play anything you throw at it.
by GeauxBR
Wed Feb 13, 2013 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Two Qs about Apps for Android
Replies: 8
Views: 713
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