Search found 636 matches

by TxAg
Fri Sep 04, 2015 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy? Quitting my job.
Replies: 97
Views: 14257

Re: Am I crazy? Quitting my job.

Curious as well...
by TxAg
Fri Sep 04, 2015 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Loan Officer vs. Financial Advisor
Replies: 21
Views: 1344

Re: Loan Officer vs. Financial Advisor

I work for a large commercial bank and there are plenty of various roles you could get into depending on what your goals are. I imagine your limitations may be because of the size of the bank you work for. Are most of your clients very small borrowers? Would you be interested in moving to a bigger ...
by TxAg
Thu Sep 03, 2015 8:37 pm
Forum: Personal Consumer Issues
Topic: Any advice on smallish repipe job
Replies: 15
Views: 1049

Re: Any advice on smallish repipe job

> sure, if price isn't a concern. copper is EXPENSIVE and so is the labor to solder it. They're not soldering copper anymore; they are using a mechanically crimped joint with special fittings. Can't say I really like the looks of it but it seems to work. I am familiar with Viega's Pro Press. You ar...
by TxAg
Wed Sep 02, 2015 9:15 pm
Forum: Personal Consumer Issues
Topic: Any advice on smallish repipe job
Replies: 15
Views: 1049

Re: Any advice on smallish repipe job

personally would not use pex due to biofilm concerns. I would spec U.S. made copper only (not china), and Type L, or K (not type M). ask for a main cutoff inside the house where is it out of way but accessible, laundry room, under cabinet etc. sure, if price isn't a concern. copper is EXPENSIVE and...
by TxAg
Tue Sep 01, 2015 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Blue collar worker and millionaire dream
Replies: 32
Views: 4430

Re: Blue collar worker and millionaire dream

Our house payment is 2k a month piti with 7 years left on the loan. We are spending another 2k on food and other stuff. We are saving 3.5k a month. We moved 200k to Vanguard not long ago. We have another 100k with our current employers. We hope to retire at 60. Keep doing what you're doing. You're ...
by TxAg
Fri Aug 14, 2015 4:47 pm
Forum: Personal Consumer Issues
Topic: SUV advice
Replies: 119
Views: 8781

Re: SUV advice

Those considering Ford, google Ford Fuel Inlet Replacement. You're looking at a $450 fix. Had this happen this week along worh several other issues over the last 3 years with my 2013 Explorer. I'm thankful it is a work car and my company picks up the tab. I wouldn't buy one with my money. It does dr...
by TxAg
Thu Aug 13, 2015 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: How are we doing? Advice?
Replies: 21
Views: 1822

Re: How are we doing? Advice?

I quickly cruised through the replies. I guess I'm the odd man out, but if I had $50k in cash, I'd definitely take out $15k and pay off the car.
by TxAg
Thu Aug 13, 2015 2:23 pm
Forum: Personal Consumer Issues
Topic: SUV advice
Replies: 119
Views: 8781

Re: SUV advice

^^^ is maintenance on the XC90 comparable to the others? I assume it's a bit more expensive but don't know for sure. Thoughts? It is a nice looking vehicle.
by TxAg
Thu Aug 13, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: Maximizing space in a small house
Replies: 39
Views: 4080

Re: Maximizing space in a small house

Thanks for all the thoughtful responses. We are fortunate to have an open floor plan although there is some wasted hallway space. We are also fortunate to have a two car garage and small shed out back. We like to utilize our outdoor space, but it's a little warm July-September here. Regarding extra ...
by TxAg
Wed Aug 12, 2015 9:07 pm
Forum: Personal Consumer Issues
Topic: Maximizing space in a small house
Replies: 39
Views: 4080

Maximizing space in a small house

I'd like to hear from those who maximize space in a small house. I was just watching an episode of "Tiny House Nation" on FYI Network and it is amazing what they can do. While we don't live in a 300 sf house, we do live in a relatively small house by today's American standards...just shy o...
by TxAg
Wed Aug 12, 2015 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy? Quitting my job.
Replies: 97
Views: 14257

Re: Am I crazy? Quitting my job.

^^^ Starper for the win!
by TxAg
Wed Aug 12, 2015 3:50 pm
Forum: Personal Consumer Issues
Topic: SUV advice
Replies: 119
Views: 8781

Re: SUV advice

I was actually just thinking about American made. Can anyone recommend good American SUVs to look at? Since I assume American made cars do not hold their value as well as the Foreign cars, I wouldn't mind risking it if I can save a fortune. Hopefully no one says Dodge/Chrysler... Chrysler Sebring h...
by TxAg
Tue Aug 11, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: Where to hike late October-mid November??
Replies: 33
Views: 1914

Re: Where to hike late October-mid November??

bump for more ideas
by TxAg
Mon Aug 10, 2015 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Got laid off last Friday
Replies: 53
Views: 8823

Re: Got laid off last Friday

What part of the country are you in? I'm curious about real estate prices and cost of living. It might help us to give better advice.
by TxAg
Mon Aug 10, 2015 10:29 am
Forum: Investing - Help with Personal Investments
Topic: 35 yrs old: How am I doing?
Replies: 27
Views: 5456

Re: 35 yrs old: How am I doing?

Do you have life insurance? Disability insurance? Just something to think about that I didn't see mentioned. Otherwise, keep on trucking.
by TxAg
Mon Aug 10, 2015 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy? Quitting my job.
Replies: 97
Views: 14257

Re: Am I crazy? Quitting my job.

If your wife is depressed, how about her coming back to the US for a month to visit friends and family. Then she can go back to be with you, yall can have the baby (while you have insurance), fly grandma out for a week or two, and reassess after the kiddo is a month or two old. If you are feeling bl...
by TxAg
Fri Aug 07, 2015 3:00 pm
Forum: Personal Consumer Issues
Topic: SUV advice
Replies: 119
Views: 8781

Re: SUV advice

2nd the toyota highlander. Did a good amount of research and test drove the pathfinder, explorer, and highlander. Wanted 3 row seating and did not want a mini-van or a giant bulky SUV like suburban or acadia. Came from driving a '99 4-runner and the highlander is about the same size. Handling and d...
by TxAg
Fri Aug 07, 2015 11:21 am
Forum: Personal Consumer Issues
Topic: SUV advice
Replies: 119
Views: 8781

Re: SUV advice

2nd the toyota highlander. Did a good amount of research and test drove the pathfinder, explorer, and highlander. Wanted 3 row seating and did not want a mini-van or a giant bulky SUV like suburban or acadia. Came from driving a '99 4-runner and the highlander is about the same size. Handling and d...
by TxAg
Wed Aug 05, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Have you ever encountered hostility because people think you're "rich"?
Replies: 71
Views: 5538

Re: Have you ever encountered hostility because people think you're "rich"?

I find this thread very interesting...especially a few of the anecdotes above. It's funny how so many people try to validate their own shortcomings by belittling others. I haven't run into the OP's problem, and conversely I am never envious of what someone better of than me has. I try to be cognizan...
by TxAg
Mon Aug 03, 2015 12:10 pm
Forum: Personal Consumer Issues
Topic: Where to hike late October-mid November??
Replies: 33
Views: 1914

Re: Where to hike late October-mid November??

I see I'm late to the party, but the minute I read October/November I thought of the maples turning gold and orange in Guadalupe Mountain National Park. I haven't been yet, but really want to go that time of year....hunting season keeps me from it. The wife and I are gona make it happen soon, though...
by TxAg
Sun Aug 02, 2015 11:35 pm
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 201
Views: 13923

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

I don't keep track of what we spend per month. We are two adults, a toddler, and a dog. We eat and drink what we want when we want. We like healthy but splurge for pizza and craft beer at times. We drink wine out of a box. We aren't afraid to eat leftovers. We should cook more often. The kiddo gets ...
by TxAg
Mon Jul 27, 2015 2:09 pm
Forum: Personal Consumer Issues
Topic: Zion, Bryce, Grand Canyon Late March
Replies: 34
Views: 1948

Re: Zions, Bryce, Grand Canyon Late March

We just did all three of those in April. We also stopped a few hours at Petrified Forest National Park. It will be cold in March. We had a blast. We rented an old RV and drove from TX....mostly RV camping but we did some tent camping as well. We were gone Friday through Friday. I'd like to go back t...
by TxAg
Sat Jul 25, 2015 6:23 pm
Forum: Personal Consumer Issues
Topic: Wedding Reception
Replies: 68
Views: 8712

Re: Wedding Receiption

We had an open bar at our wedding. No cash bar and no tipping. Wine, beer, liquor, and specialty cocktails. Never heard one complaint and got a lot of thank yous and compliments. It may sound tacky, but the booze is what makes a wedding fun :) To answer your question, it isn't needed but if you do ...
by TxAg
Sat Jul 25, 2015 6:13 pm
Forum: Personal Consumer Issues
Topic: Best Place to live for a young family?
Replies: 42
Views: 4617

Re: Best Place to live for a young family?

DFW is really hot in July and August, but June and September aren't terrible. Other than that, the weather is pretty nice.

We like it here but often dream about moving somewhere closer to the mountains.
by TxAg
Fri Jul 17, 2015 10:13 am
Forum: Personal Consumer Issues
Topic: Home landscaping dilemma
Replies: 21
Views: 2243

Re: Home landscaping dilemma

PaddyMac wrote:If you can afford the money and want quality, and you think the bid is legit, I would pay it.
Another vote though for native plants and xeriscaping. Native butterflies and birds really need native plants. Make amends for building a house where their home used to be...


+1
by TxAg
Thu Jul 16, 2015 9:20 pm
Forum: Personal Consumer Issues
Topic: Beach getaway recommendations please
Replies: 45
Views: 3517

Re: Beach getaway recommendations please

Iorek wrote:Might look at Puerto Rico (including Vieques). Beautiful beaches, kayaking at night in the bioluminescent bay....



Now that sounds interesting!
by TxAg
Wed Jul 15, 2015 3:42 pm
Forum: Personal Consumer Issues
Topic: Beach getaway recommendations please
Replies: 45
Views: 3517

Re: Beach getaway recommendations please

^^^ Thank you! Very helpful
by TxAg
Tue Jul 14, 2015 11:51 am
Forum: Personal Consumer Issues
Topic: Beach getaway recommendations please
Replies: 45
Views: 3517

Re: Beach getaway recommendations please

We could extend the trip a day or two if necessary (and for the right place/price). I appreciate the feedback. We will have to do more research on Costa Rica.

I was in Roatan, Honduras about 15 years ago...just for the day. I loved it. I'll have to do more digging on it as well.
by TxAg
Mon Jul 13, 2015 8:18 pm
Forum: Personal Consumer Issues
Topic: Beach getaway recommendations please
Replies: 45
Views: 3517

Re: Beach getaway recommendations please

Hawaii would be awesome but too expensive and too long in the air. We live in TX so Central America is a short flight. Costa Rica is a nice thought. Anywhere specific we should look?
by TxAg
Mon Jul 13, 2015 8:04 pm
Forum: Personal Consumer Issues
Topic: Beach getaway recommendations please
Replies: 45
Views: 3517

Beach getaway recommendations please

Looking for a few beach getaway recommendations. Maybe Belize, Honduras, etc. We prefer not to go to Mexico. Early 30's couple (won't be bringing the kiddo) A mix of beach/drinks and outdoor life such as sailing/snorkeling/hiking 3-4 nights Thinking September...hurricane season could be an issue Ple...
by TxAg
Mon Jul 13, 2015 6:48 pm
Forum: Personal Consumer Issues
Topic: Ford Explorer vs. Honda Pilot
Replies: 36
Views: 3755

Re: Ford Explorer vs. Honda Pilot

I drive a 2013 Ford Explorer for work. It is company owned but I am the sole driver and use it as my daily driver. It is mechanically sound at 83,000 miles but I wouldn't spend my own money on one. The interior is falling apart around me....Cracks in leather. Arm rest on door has collapsed and rippe...
by TxAg
Wed Jul 08, 2015 5:23 pm
Forum: Personal Consumer Issues
Topic: Learning Spanish
Replies: 62
Views: 5261

Re: Learning Spanish

Thanks again. I feel like I've learned (refreshed) a lot just since last week. Long way to go though.
by TxAg
Fri Jul 03, 2015 2:24 pm
Forum: Personal Consumer Issues
Topic: Learning Spanish
Replies: 62
Views: 5261

Re: Learning Spanish

Thanks for the all the tips. I am going to keep following along for more ideas.

So far, I am enjoying Duolingo!
by TxAg
Thu Jul 02, 2015 9:16 pm
Forum: Personal Consumer Issues
Topic: Learning Spanish
Replies: 62
Views: 5261

Learning Spanish

I've learned bits and pieces of Spanish over the last 20 years. While I have a good vocabulary, I'd like to double it. Additionally, I need the most help at properly conjugating verbs and re-learning proper tenses. I'm open to suggestions. I have a wife, kiddo, and job so I can't just pick up and mo...
by TxAg
Mon Jun 22, 2015 8:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: FATHER'S DAY
Replies: 15
Views: 2389

Re: FATHER'S DAY

Just seeing this.

Great poem.

Thanks for sharing.
by TxAg
Thu Jun 18, 2015 8:09 pm
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6631

Re: Most Beautiful Nature Destinations

Tagged for later


But, quickly, we went to Bryce and Zion in late April. We loved it.
by TxAg
Wed Jun 17, 2015 3:17 pm
Forum: Personal Consumer Issues
Topic: How much do your children cost per month?
Replies: 83
Views: 7163

Re: How much do your children cost per month?

We have a 13 month old and spend the following: $950/month for daycare (soon to be $1150 when we put him in a new school) $166/month 529 contribution $150/month on odds and ends like diapers, wipes, clothes, etc $100/month on doctor visits (wife has $50 copay) $90/month on swim lessons Maybe an ext...
by TxAg
Tue Jun 16, 2015 1:48 pm
Forum: Personal Consumer Issues
Topic: Wedding Reception
Replies: 68
Views: 8712

Re: Wedding Receiption

We were able to have our own food catered in. Same for alcohol but had to pay for wait staff and bar tenders. Much cheaper than using a hotel's catering/drink package. Might be something to consider.
by TxAg
Mon Jun 15, 2015 9:43 pm
Forum: Personal Consumer Issues
Topic: Wedding Reception
Replies: 68
Views: 8712

Re: Wedding Receiption

We had an open bar at our wedding. No cash bar and no tipping. Wine, beer, liquor, and specialty cocktails. Never heard one complaint and got a lot of thank yous and compliments. It may sound tacky, but the booze is what makes a wedding fun :) To answer your question, it isn't needed but if you do i...
by TxAg
Sun Jun 14, 2015 3:25 am
Forum: Personal Consumer Issues
Topic: How to securely dispose old computer?
Replies: 43
Views: 4432

Re: How to securely dispose old computer?

dolphinsaremammals wrote:You people shotgunning these metal devices, do you worry about ricochets?



No. It is a non issue.

I live in town so I used an 8# sledge the other day. Felt great.
by TxAg
Mon Jun 08, 2015 9:15 pm
Forum: Personal Consumer Issues
Topic: A/C efficiency question
Replies: 31
Views: 3444

Re: A/C efficiency question

^^^ I understand your logic but what about 85, 90, or higher inside the house? We get quite a few 100 degree days here. I wonder how much extra energy is consumed cooling the house back to 75 from 80 (or higher). I don't have a clue, but at some point there is a trade off. Hoping someone here has st...
by TxAg
Mon Jun 08, 2015 8:26 pm
Forum: Personal Consumer Issues
Topic: A/C efficiency question
Replies: 31
Views: 3444

A/C efficiency question

Is it more efficient to leave the unit set at 75 all day and night or 80 during the day and 74 at night?
by TxAg
Mon Jun 08, 2015 9:58 am
Forum: Personal Consumer Issues
Topic: Should we stay or should we go now?
Replies: 23
Views: 3384

Re: Should we stay or should we go now?

Just my two cents, but if my family were in this situation we would stay put.
by TxAg
Wed May 27, 2015 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: American Express sneakery
Replies: 37
Views: 5145

Re: American Express sneakery

We tried AmEx out this spring. They have good customer servicem over the phone, but I despise their website and much of the "reward" offerings proved gimicky...at least that is our findings. I'm closing my account with them.
by TxAg
Tue May 26, 2015 9:44 am
Forum: Local Chapters and Bogleheads Community
Topic: Memorial Day
Replies: 18
Views: 1812

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: 5603

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: 5603

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: 5603

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: 5005

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: 1966

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...

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