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by TxAg
Tue May 26, 2015 9:44 am
Forum: Local Chapters and Bogleheads Community
Topic: Memorial Day
Replies: 18
Views: 1039

Re: Memorial Day

A big thanks to all the veterans!
by TxAg
Mon May 25, 2015 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: When is it safe to share financial details with gf, future wife
Replies: 53
Views: 4536

Re: When is it safe to share financial details with gf, future wife

This may sound flippant, but I think if you have to ask this question, given the importance of financial issues in your life together, and the financial risk of divorce, you probably should not be getting married. There are many excellent reasons for people to be afraid of marriage, and that is esp...
by TxAg
Mon May 25, 2015 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: When is it safe to share financial details with gf, future wife
Replies: 53
Views: 4536

Re: When is it safe to share financial details with gf, future wife

*we're also the type that comingles bank accounts and shares passwords for retirement accts, etc. Not everyone likes doing it this way Sharing the passwords is a bad idea. If there is ever a problem where you account gets compromised and drained that could cause problems since it is likely against ...
by TxAg
Mon May 25, 2015 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: When is it safe to share financial details with gf, future wife
Replies: 53
Views: 4536

Re: When is it safe to share financial details with gf, future wife

My wife and I knew we were of the same financial mindset while we dated. Once I proposed, we basically opened up the books to one another. We paid for our wedding and honeymoon ourselves as well as buying my wife's car outright (her lease ended and it made sense). We also knew we wanted to buy a hou...
by TxAg
Thu May 21, 2015 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Follow "Passion" or Follow the Money?
Replies: 73
Views: 4183

Re: Career Advice: Follow "Passion" or Follow the Money?

You sound like you would enjoy and be good at consulting. Don't overrate the social skills.

Everyone is different. It's not the life for me, but if you aren't tied down and don't mind the hours then go for it.
by TxAg
Wed May 20, 2015 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a House?
Replies: 33
Views: 1571

Re: Maybe I shouldn't buy a house?

Home prices in TX have risen quite a bit despite the oil field downturn. If you truly wanted/needed a house then why not buy one, however if it is just a "what if" then I would definity wait a while. I know we aren't supposed to time the market, but it's a little easier to do when you live...
by TxAg
Tue May 19, 2015 10:19 pm
Forum: Personal Consumer Issues
Topic: Sewer line replacement - who to call?
Replies: 21
Views: 1456

Re: Sewer line replacement - who to call?

In Texas....had ours replaced about 2 years ago. It was just shy of $5k

They had to bust up concrete and repour it plus digging up the rest of the yard. The line was about 6' down at the deepest and not far from the gas line so they had to dig by hand (took a while). We used our standard plumber.
by TxAg
Mon May 18, 2015 9:00 pm
Forum: Personal Consumer Issues
Topic: How much can I spend on a car?
Replies: 157
Views: 8645

Re: How much can I spend on a car?

In one ear, out the other :)

Quite the entertaining thread
by TxAg
Mon May 18, 2015 5:32 pm
Forum: Personal Consumer Issues
Topic: Lightweight camping gear
Replies: 41
Views: 2712

Re: Lightweight camping gear

If money doesn't matter too much, you're going to tend to get better quality from small ("cottage" or "boutique") manufacturers, ones that REI would never carry, simply because they cannot (and don't want to) supply the volume that REI requires (among other reasons). My "bi...
by TxAg
Mon May 18, 2015 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Just about had it with Fidelity AX
Replies: 8
Views: 987

Re: Just about had it with Fidelity AX

Slightly off topic, but we opened an Amex Preferred a couple months ago. Customer service over telephone is good, but I really dislike their website. I also dislike how they disseminate their rewards. Canceling after this month.
by TxAg
Mon May 18, 2015 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Young And Clueless
Replies: 28
Views: 2396

Re: Young And Clueless

Congratulations on having your priorities straight. You're off to a great start. There was a thread here a week or so ago referencing the merits of target funds. It had some good info if you care to run a search for it. Most importantly, keep living on your $40k (or less) and save save save that ext...
by TxAg
Fri May 15, 2015 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 163
Views: 10247

Re: How much does social security factor into your retirement income?

Early 30's here. I'm not sure what we'll get but I will consider it icing on the cake. We're working on the cake part right now and off to a good start (fingers crossed).
by TxAg
Thu May 14, 2015 8:37 pm
Forum: Personal Consumer Issues
Topic: How much can I spend on a car?
Replies: 157
Views: 8645

Re: How much can I spend on a car?

I think the idea of buying a nice car to impress women is silly. Some of the most confident men I have known (and very successful with the ladies) drove regular old vehicles like Accords or base model trucks. A nice car is, and should be, so far down on the list of mate-attracting qualities. This th...
by TxAg
Sun May 10, 2015 9:28 am
Forum: Forum Issues and Administration
Topic: Am I the only one not getting notifications?
Replies: 11
Views: 1102

Re: Am I the only one not getting notifications?

I sent a PM yesterday and it's still sitting in my Outbox (not Drafts). Is this related? No, it's not related. PMs sit in your Outbox until the recipient reads the PM. So that just means the person hasn't read it yet. Whoops. I feel silly. A few months back I messaged a member and the message sat i...
by TxAg
Sat May 09, 2015 8:53 pm
Forum: Personal Consumer Issues
Topic: Lightweight camping gear
Replies: 41
Views: 2712

Re: Lightweight camping gear

I have this tent but the two man version (i use it for just myself. It's closer to 4.5# though. I really, really recommend it. Without the fly, it is very breezy and with the fly it is fully weatherproof. http://www.amazon.com/gp/aw/d/B00BU7B9P2/ref=pd_aw_sbs_468_2?refRID=1M421CYRW05XXE8HVZX1 Anothe...
by TxAg
Fri May 08, 2015 7:40 pm
Forum: Personal Consumer Issues
Topic: How Does My Kindle Case Work?
Replies: 11
Views: 824

Re: How Does My Kindle Case Work?

dolphinsaremammals wrote:I've been puzzled as to how closing and opening its cover makes my washing machine start and stop agitating, when I see no switch. Has this thread solved that mystery? :)



This might help depending on what brand/model you own

http://homeguides.sfgate.com/fix-washin ... 40267.html
by TxAg
Fri May 08, 2015 5:51 pm
Forum: Personal Consumer Issues
Topic: How Does My Kindle Case Work?
Replies: 11
Views: 824

Re: How Does My Kindle Case Work?

The magnet makes the sleep sensor work


http://blog.workingsi.com/2013/01/paper ... d.html?m=1
by TxAg
Fri May 08, 2015 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 158
Views: 18762

Re: much ado about coasting (through life)

You sound like someone who would be fun to have a beer with. I agree with others who think you need something to be passionate about. However, there are many ways to find it... So coast around a while and see what happens. It seems you can afford it so why not travel the globe, volunteer at a hospit...
by TxAg
Wed May 06, 2015 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 141
Views: 17013

Re: What job to get to coast to Retirement at age 59 1/2?

I've always thought that when in this situation I'd like to work for a nursery (plants, not kids).
by TxAg
Wed May 06, 2015 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 5432

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

The Texas panhandle has a lot more to offer than people realize. If you're just driving through, you'd never know. Take a look here: http://www.wymanmeinzer.com/ Wyman Meinzer photographs much of west TX and the panhandle. He is a Texas state photographer. If you browse his galleries, you'll see som...
by TxAg
Sun Apr 26, 2015 9:23 pm
Forum: Personal Consumer Issues
Topic: Cost to replace a side view mirror
Replies: 22
Views: 1405

Re: Cost to replace a side view mirror

Happened to me last year in 2013 ford explorer...$400
by TxAg
Sun Apr 26, 2015 11:56 am
Forum: Personal Consumer Issues
Topic: Cost to deliver a baby today?
Replies: 23
Views: 1626

Re: Cost to deliver a baby today?

We had a daughter one year ago. Total bill (to us) was just shy of $5k.

I tried negotiating the bill...no dice. We paid it and moved on. Coincidentally, my wife got sick 4 months later and required a 4 day hospital stay. We had met our deductible so we didn't pay anything.
by TxAg
Fri Apr 24, 2015 1:00 pm
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 2913

Re: Broken Oxygen Sensor on Car

livesoft wrote:My friends replace the O2 sensors themselves. So do-it-yourself. A web search says the part is less than $50. Labor would be $0.

Check out repairpal.com for estimates.



I changed mine in my truck for about $50. Really easy
by TxAg
Thu Apr 23, 2015 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Daycare, nanny, Montessori
Replies: 16
Views: 1428

Re: Daycare, nanny, Montessori

It's amazing what they can learn in a good daycare program. Our daughter just turned one. She loooves going to "school"

Luckily, we pay half price. Full price is about $200 more than what you'te looking at. Still worth if if both parents are making a solid income.
by TxAg
Mon Apr 20, 2015 5:13 pm
Forum: Personal Consumer Issues
Topic: Neighbor is hoarder, piling garbage outside, collecting vans
Replies: 32
Views: 4881

Re: Neighbor is hoarder, piling garbage outside, collecting

i read about a similar situation and the neighbors called the health dept complaining about a rodent problem. it was cleaned up quick after a few citations.
by TxAg
Fri Apr 10, 2015 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 66
Views: 9055

Re: Two Comma Club

Congratulations!

I don't mean to pry, but would you consider revealing your age? It's always nice to get a sense of progression (ay least for me).
by TxAg
Wed Apr 08, 2015 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: 2 commas and mortgage-free
Replies: 33
Views: 4655

Re: 2 commas and mortgage-free

I'm always happy for those that are succesful! Congratulations. We hope to be there one day also.
by TxAg
Wed Apr 08, 2015 8:46 pm
Forum: Personal Consumer Issues
Topic: Tree roots growing into sewer lines
Replies: 41
Views: 1936

Re: Tree roots growing into sewer lines

Had the same issue almost 2 yrs ago. The hub style connections on the clay pipes allowed tree roots to come into the line. Our line was buried about 6' down and not far from a gas line so we paid a lot in manual labor for hand digging. The pvc replacement pipe is basically impervious to roots. Our c...
by TxAg
Mon Apr 06, 2015 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: When to give adult children their inheritance?
Replies: 57
Views: 6849

Re: When to give adult children their inheritance?

I'm early 30's and although I think I make prudent choices, it seems the decisions I made at 25 are not quite as good as the ones I make now. I have a wife and kiddo now so that changes things. Some now might be fun. They could travel and enjoy life as young bachelors. The majority at early to mid 3...
by TxAg
Wed Apr 01, 2015 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Bamboo vs Engineered Hardwood floor?
Replies: 12
Views: 1597

Re: Bamboo vs Engineered Hardwood floor?

You might consider having a pro treat and stain the concrete. No worries when it comes to rental damages, and it can turn out pretty nice.
by TxAg
Fri Mar 27, 2015 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Mom seeking financial help - what to do?
Replies: 62
Views: 4842

Re: Mom seeking financial help - what to do?

I still say give $223.46, drop a comment, and get the heck outta there! Is $223.46 a random amount, or you calculated it based on the information from this thread? {curious} Victoria Well I was going to try handwriting analysis but then I remembered we are online...so. Online writing beats handwrit...
by TxAg
Fri Mar 27, 2015 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 74
Views: 8231

Re: Can I afford a $1M house?

Put me in the camp that says don't do it

How large is the family? I don't anyone that "needs" 4,000 sf.
by TxAg
Fri Mar 27, 2015 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Mom seeking financial help - what to do?
Replies: 62
Views: 4842

Re: Mom seeking financial help - what to do?

I don't recall seeing this mentioned in any of the above posts, but have you discussed this with your husband? You are married...you're obligation is to your husband (and he to you) not your mother. Personally, my wife and I have said that if anyone ever asks us for money then it is only fair for th...
by TxAg
Tue Mar 24, 2015 3:40 pm
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 9501

Re: Whats a good Pistol to buy?

I'm not suggesting this is a beginner's pistol, but I just bought one so I figured I'd share a picture. It feels like Christmas.

Image
by TxAg
Sun Mar 22, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Percent of gross income on hobbies
Replies: 26
Views: 2687

Re: Percent of gross income on hobbies

So which 1911 did you get?
by TxAg
Fri Mar 20, 2015 2:37 pm
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 9501

Re: Whats a good Pistol to buy?

All the replies so far have been good Most brand name guns these days are quality made. I woud suggest going to a sporting goods store/gun store and holding many different makes and models in your hand to see what is comfortable. Since you are new to guns, you might want to stick with 9mm in semi au...
by TxAg
Thu Mar 19, 2015 5:57 pm
Forum: Personal Consumer Issues
Topic: Vinyl or wood fence
Replies: 36
Views: 2158

Re: Vinyl or wood fence

My wife and I just had about 200' of cedar fence installed. It is 8' tall stained cedar board on board with metal posts cemented 3' down. We also opted for a decorative top rail and rot board all the way around the bottom. It was expensive but we love it. We don't splurge on much, but this was worth...
by TxAg
Wed Mar 18, 2015 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: job offer, 2x salary
Replies: 53
Views: 5086

Re: job offer, 2x salary

If you'll be making twice as much, maybe you can retire in half the time.

Also, if your time away from home nets out, I'd rather spend it in the car than in front of a desk. Maybe learn a new language via CD
by TxAg
Mon Mar 16, 2015 7:45 pm
Forum: Personal Consumer Issues
Topic: Ice Dams - now what?
Replies: 49
Views: 4786

Re: Ice Dams - now what?

I have a metal roof. This year, the snow on the north side of the house is stubbornly staying on the porch roof, which is at the bottom of the pitched living room roof. My house this year, as every year, is one of the only ones in the neighborhood that does NOT have icicles hanging from the edge of...
by TxAg
Fri Mar 13, 2015 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford by Boglehead standards?
Replies: 31
Views: 4839

Re: How much house can we afford by Boglehead standards?

If it were me, I wouldn't want to be above the $180-$200k range

Things will pop up and you'll want the ability to tap into the extra cash flow
by TxAg
Thu Mar 12, 2015 9:29 pm
Forum: Personal Consumer Issues
Topic: Capital One seemed happy to lose me as a customer?
Replies: 24
Views: 4157

Re: Capital One seemed happy to lose me as a customer?

I closed a Capital One account two weeks ago. There was no hard sell to keep me which was a nice surprise. Kudos to them for not wasting my time.
by TxAg
Thu Mar 12, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 6462

Re: $600 night guard for teeth grinding, really?

I had to buy one this year. $300

I notice a difference
by TxAg
Sun Mar 08, 2015 10:23 am
Forum: Personal Consumer Issues
Topic: Growing out long hair and growing a beard
Replies: 24
Views: 2978

Re: Growing out long hair and growing a beard

I have tried a couple beard oils and found Beardbrand "Tree Ranger" to be my favorite

It's a little expensive, though. I'd like to experiment with making my own. Youtube has some good videos.
by TxAg
Wed Mar 04, 2015 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Company Car & Personal Car?
Replies: 23
Views: 1290

Re: Company Car & Personal Car?

I was in the same situation as you but kept my GMC crew cab truck because I had a Ford 500 work car. I used my truck a lot for hunting and camping. When they upgraded us to Ford Explorers, I sold my truck for $10k and haven't looked back. I can always buy another used truck down the line.
by TxAg
Mon Mar 02, 2015 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Legal Fees for Trusts and Wills
Replies: 37
Views: 2812

Re: Legal Fees for Trusts and Wills

Theoretical,

I tried PMing, but it's stuck in my outbox. Any chance you're in the DFW area?

Thanks,
TxAg
by TxAg
Sat Feb 28, 2015 9:17 pm
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 65
Views: 6665

Re: Wife doesn't want to retire - I do

Thank you all for your feedback. Some very thoughtful answers, and some points I'll have to consider. I'm quite sure my wife isn't fearful financially. I've also been cooking around half the meals for years now, and do around half the housework. She no longer enjoys cooking, while I do. It will be ...
by TxAg
Sat Feb 28, 2015 2:32 pm
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 80
Views: 5592

Re: How do I learn to like sushi?

Purelife304 wrote:Martini's.

Seriously. The first few times I had sushi was after 2-3 Sapphire dry up.

Now I really like it, no booze needed.

:beer



You beat me to it. When my wife and I were dating she wanted sushi/sashimi from time to time. I drank a lot of Kirin and saki bombs :). Now, I don't mind it.

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