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by texasdiver
Tue May 26, 2015 9:34 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodeling and Microwave Food
Replies: 30
Views: 1574

Re: Kitchen Remodeling and Microwave Food

Amy's frozen stuff. A lot of it is organic. I strip the husks and silk off fresh corn, rinse the ear, wrap the ear loosely in a couple of damp paper towels and microwave for 5 minutes (your time may vary.) . No....do it like this: Much easier and better http://www.simplyrecipes.com/recipes/the_easi...
by texasdiver
Tue May 26, 2015 8:46 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodeling and Microwave Food
Replies: 30
Views: 1574

Re: Kitchen Remodeling and Microwave Food

Uncle Ben's Ready Rice, cooks in 90 seconds, lots of flavors We do eat rice often, so with a MW do I buy instant rice? 90secs. is pretty fast. How about buying a rice cooker. They are easy, and you can use it to make rice, oatmeal, quinoa, and other stuff. Yes....and/or a crock pot. There are whole...
by texasdiver
Tue May 26, 2015 7:50 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodeling and Microwave Food
Replies: 30
Views: 1574

Re: Kitchen Remodeling and Microwave Food

Amy's frozen stuff. A lot of it is organic. I strip the husks and silk off fresh corn, rinse the ear, wrap the ear loosely in a couple of damp paper towels and microwave for 5 minutes (your time may vary.) . No....do it like this: Much easier and better http://www.simplyrecipes.com/recipes/the_easi...
by texasdiver
Mon May 25, 2015 8:16 pm
Forum: Personal Consumer Issues
Topic: Do-it-yourself handy person: How did you learn?
Replies: 28
Views: 2593

Re: Do-it-yourself handy person: How did you learn?

From my Dad who was a depression-era farm kid and from my early jobs. My first summer job during college was driving combines and wheat trucks on a harvesting crew. I learned a huge amount about repairing and maintaining heavy equipment and just gained confidence in being able to tackle projects. Se...
by texasdiver
Mon May 25, 2015 8:08 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodeling and Microwave Food
Replies: 30
Views: 1574

Re: Kitchen Remodeling and Microwave Food

corn on the cob and baked potatoes are both extremely easy and excellent when prepared in a microwave. Especially the corn.
by texasdiver
Mon May 25, 2015 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 50
Views: 5424

Re: Answer to Most Physician/High Net Worth Questions:

I don't see much difference between the suggestions here and what non-physicians should want to do. This is one of those moments where I agree with livesoft! The difference I think is that most physicians start earning real money much later in life, tend to have a lot more accumulated debt, have mu...
by texasdiver
Mon May 25, 2015 5:00 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 27
Views: 2542

Re: Any solo retired RVer's out there?

I know more about trailer camping than the Sprinters and have looked at and thought about a lot of different options. For the super lightweight trailer option you can pair just about any 6 cylinder SUV with a lightweight fiberglass Casita or Scamp trailer in the 17' range. These are very popular tra...
by texasdiver
Mon May 25, 2015 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 50
Views: 5424

Re: Answer to Most Physician/High Income Job Questions:

5. Don't expect your spouse to stay at home. Encourage your spouse to work if possible. Gives them something to do and a life outside yours. Doesn't matter if the spouse is a wife or husband. Makes the partnership more equal, even if the income isn't. I get that with kids it doesn't always make sen...
by texasdiver
Mon May 25, 2015 2:14 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 27
Views: 2542

Re: Any solo retired RVer's out there?

But a big 5th wheel pretty much requires a big 3/4 ton diesel truck or preferably a 1-ton dually truck which tend to be expensive monsters that can be difficult for around town use. I suppose it depends on what you mean by "big" 5th wheel, but I pulled my 30' 5th wheel (33' depending on h...
by texasdiver
Mon May 25, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 27
Views: 2542

Re: Any solo retired RVer's out there?

5th wheels are very popular because they tend to be bigger inside than the comparable trailer and a big 5th wheel is much easier to tow than a big trailer. But a big 5th wheel pretty much requires a big 3/4 ton diesel truck or preferably a 1-ton dually truck which tend to be expensive monsters that ...
by texasdiver
Mon May 25, 2015 11:37 am
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 27
Views: 2542

Re: Any solo retired RVer's out there?

I think it is an absolutely great idea. You meet a lot more people on the road than you do sitting in your house at home. If you are handy and don't mind a little physical labor consider working as a campground host as well. There are literally thousands of state parks around the US that need campgr...
by texasdiver
Mon May 25, 2015 11:13 am
Forum: Personal Consumer Issues
Topic: Splurge Question on East Coast??? Pool or Beach Summer House or Both
Replies: 12
Views: 1221

Re: Splurge Question on East Coast??? Pool or Beach Summer House or Both

When you say that your wife and you really like to swim do you mean you like to swim for fitness? Because to be honest, most home pools are poorly designed for fitness swimming. The shapes are too free-form and the length is too short. If the pool is something you want to use for a daily workout the...
by texasdiver
Mon May 25, 2015 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 50
Views: 5424

Re: Answer to Most Physician/High Income Job Questions:

I'm not the physician, my wife is. But I hear all the stories and see what her co-workers have done or not done. Looks like a good list of what to do, but with the physicians I know, the more important list is the one of what NOT to do. Off the top of my head. 1. Don't buy excessively expensive real...
by texasdiver
Sat May 23, 2015 7:17 pm
Forum: Personal Consumer Issues
Topic: Prom budget for teenage girl?
Replies: 88
Views: 6253

Re: Prom budget for teenage girl?

.... first dress she bought online from a place called Prom Diary..... was about $150 for a dress that sold for more like $800 in the local shops. Apparently she was lucky a dress arrived at all, based on the reviews posted about this Prom Diary place. Maybe this was a good lesson (?) for a young p...
by texasdiver
Sat May 23, 2015 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7216

Re: please confirm: early retirement

I think some here are overthinking the need for future income in retirement to cover unexpected expenses. The great majority of Americans basically live on fixed incomes during their working lives and make it work. I'm not sure how retirement is necessarily different. I work in education and the maj...
by texasdiver
Sat May 23, 2015 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: New jobs...advice on IRA and TSP rollovers?
Replies: 6
Views: 300

Re: New jobs...advice on IRA and TSP rollovers?

I had heard that Vanguard-managed 403(b) and 401(k) accounts didn't allow inbound rollovers but I haven't been able to find any specific confirmation of that rule on their web site so I'll just have to actually pick up the phone I think. We do know that their Solo 401k plans do not allow inbound ro...
by texasdiver
Sat May 23, 2015 1:57 pm
Forum: Personal Consumer Issues
Topic: Prom budget for teenage girl?
Replies: 88
Views: 6253

Re: Prom budget for teenage girl?

Actually we came out OK. She had a total everything included budget of $500 and came in under that. The dress was the biggest fiasco. The first dress she bought online from a place called Prom Diary. It turned out to be a sweatshop operation in China. What they do is steal the photos of popular prom...
by texasdiver
Sat May 23, 2015 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: New jobs...advice on IRA and TSP rollovers?
Replies: 6
Views: 300

Re: New jobs...advice on IRA and TSP rollovers?

If her legacy 403b would accept an inbound rollover, that would be great if you wanted to use backdoor into Roth IRA. If that plan offers Vanguard Target Retirement or LifeStrategy funds, those may have lower expense ratio than similar allocations of TSM/TISM/TBM. Vanguard's funds of funds hold Tot...
by texasdiver
Sat May 23, 2015 11:51 am
Forum: Investing - Help with Personal Investments
Topic: New jobs...advice on IRA and TSP rollovers?
Replies: 6
Views: 300

New jobs...advice on IRA and TSP rollovers?

My wife and I are getting serious about relocation plans that will involve new jobs for both of us. Is it weird that one of the things that I'm most looking forward is getting our money free from bad 403(b) and profit sharing plans? But I'm not exactly positive what strategy is the best and I'm wond...
by texasdiver
Fri May 22, 2015 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Friends/Family that don't invest!
Replies: 87
Views: 8535

Re: Friends/Family that don't invest!

My two younger brothers .....actually guessing that if they can both hold out until age 70 they will probably be OK as it won't really be a drop in their income or lifestyle to live just on SS. What will probably save their bacon is their future inheritance which should drop a half million or so in...
by texasdiver
Fri May 22, 2015 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Help me help my retired father -- preferred stocks
Replies: 24
Views: 1699

Re: Help me help my retired father -- preferred stocks

Don't know what tax bracket your father is in, but you will want to be sure of the tax implications before selling a bunch of long-held stocks to buy mutual funds. That could generate substantial long term capital gains and the tax bite could easily be much greater than any potential increase in fut...
by texasdiver
Fri May 22, 2015 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Friends/Family that don't invest!
Replies: 87
Views: 8535

Re: Friends/Family that don't invest!

My two younger brothers (both in their late 40s) are both single and have both worked in various blue collar jobs their whole lives. All they will really have is their social security. I have brought up retirement savings but they both live pretty month to month. One might have about 100k saved in I...
by texasdiver
Thu May 21, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 3873

Re: Put money down on new car, dealer wants color change

Pick up the phone and call around. Maybe he is right and there are none with the features you want in that color to be had. Or maybe there are and the dealer just doesn't want to go through the hassle or cost of getting one brought in. But unless you call around to some other dealers you won't know ...
by texasdiver
Thu May 21, 2015 12:01 pm
Forum: Personal Consumer Issues
Topic: Parks to visit between TX and PA?
Replies: 23
Views: 749

Re: Parks to visit between TX and PA?

For this trip I'm hoping to focus mostly on parks we can stop at and explore, both natural parks and historic parks. I'm thinking first stop will be in the Ozarks, maybe get a cabin and do a couple days on a lake in NW Arkansas. Then head east to TN perhaps getting as far as Nashville for a long da...
by texasdiver
Wed May 20, 2015 6:04 pm
Forum: Personal Consumer Issues
Topic: Parks to visit between TX and PA?
Replies: 23
Views: 749

Re: Parks to visit between TX and PA?

Well it sounds like Gettysburg is the one to visit.

I have enough sense of history to know which battles were seminal battles in the war. I just don't know which current day historical parks are the best.
by texasdiver
Wed May 20, 2015 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Wealth Network
Replies: 7
Views: 770

Re: Wealth Network

Hello I am a management consultant who has been working in the field for over 15 years with a good sound success rate. As many of my clients have reached retirement age and selling out, they are become more cash rich. I have been sending most of them for years to local banks or investment agencies ...
by texasdiver
Wed May 20, 2015 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Old HSA Question
Replies: 3
Views: 306

Re: Old HSA Question

The one advantage to keeping it in a HSA instead of a Roth is that the money is more instantly usable without taxes or fees if you leave it in an HSA. There are more restrictions on using Roth funds before age 59.5 so it kind of depends on what you want to do with the money. A 529 isn't a bad idea a...
by texasdiver
Wed May 20, 2015 5:34 pm
Forum: Personal Consumer Issues
Topic: Parks to visit between TX and PA?
Replies: 23
Views: 749

Re: Parks to visit between TX and PA?

Most people have given you what I might call the Eastern route. You make it difficult with the no cities criteria. Depending on what part of Texas, Dallas and the JFK museum could be a start. There is Nashville (self explanatory) Mammoth Cave (largest cave ) KY and Luray Caverns Va are also interes...
by texasdiver
Wed May 20, 2015 5:24 pm
Forum: Personal Consumer Issues
Topic: Parks to visit between TX and PA?
Replies: 23
Views: 749

Re: Parks to visit between TX and PA?

Isn't Gettysburg is in eastern Pennsylvania past the end of the trip? St. Louis has that arch-thing, a baseball park, Clydesdales, and Six Flags. Chicago might be on the way, too. Destination is central PA near State College so Gettysburg isn't directly on the route but not that far off. As for Chi...
by texasdiver
Wed May 20, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: Parks to visit between TX and PA?
Replies: 23
Views: 749

Re: Parks to visit between TX and PA?

Any civil war sites especially good to visit with kids? Perhaps with good interpretive centers, chances for re-enactments and so forth? We probably only have time to visit one of them so it needs to be a good one. I'm guessing there are dozens or hundreds around that region.
by texasdiver
Wed May 20, 2015 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Old HSA Question
Replies: 3
Views: 306

Re: Old HSA Question

If you aren't otherwise going to fund a Roth and you have enough qualifying expenses then that would make a lot of sense. But only if you weren't already funding the Roth. This is what I would do if I didn't otherwise have the ability to max out our Roth accounts. If you wanted to preserve the flexi...
by texasdiver
Wed May 20, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: Parks to visit between TX and PA?
Replies: 23
Views: 749

Parks to visit between TX and PA?

Driving out to a family reunion in Central PA with the kids this summer. Last time we did this I just put the pedal down and drove straight I-40 and I-81 the whole way without stopping except to eat and sleep. This time we'd like to take a more leisurely trip and see some sights. Preferably parks an...
by texasdiver
Wed May 20, 2015 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 165
Views: 19663

Re: much ado about coasting (through life)

It sounds like you are burnt out by corporate America which is totally understandable, but IMHO you are too young to be this jaded and want to coast for the rest of your life. If I were you, I would take a break and maybe get into some sort of meaningful work where you can help people, maybe social...
by texasdiver
Wed May 20, 2015 12:00 pm
Forum: Personal Consumer Issues
Topic: Any advice on handling frequent weekend getaways?
Replies: 14
Views: 1863

Re: Any advice on handling frequent weekend getaways?

Wife and 3 kids

We use AirBnB a lot when traveling. More comfortable than cramming a family of 5 into a hotel room and pretty much always much cheaper than getting 2 hotel rooms. Plus we like having a kitchen and not being dependent on restaurants for every meal.
by texasdiver
Tue May 19, 2015 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Proposed Changes in the Thrift Savings Plan (TSP)
Replies: 4
Views: 732

Re: Proposed Changes in the Thrift Savings Plan (TSP)

What I get from the article is that they really aren't proposing any substantive changes to the TSP program itself (which might be alarming to many here) but rather simply looking for ways to improve their customer service and marketing in an attempt to keep more Feds and former Feds in the program....
by texasdiver
Tue May 19, 2015 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan and three-fund portfolio...
Replies: 22
Views: 1473

Re: Thrift Savings Plan and three-fund portfolio...

If you do decide to go with a G Fund heavy portfolio, just remember that the government can change the rules at any time. There has been some recent scuttlebutt that they may make the return of the G Fund more commensurate with the risk. So, while you should plan based on current rules, it is prude...
by texasdiver
Mon May 18, 2015 7:17 pm
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 52
Views: 4028

Re: Best Chromebook 2015

What are the most common situations where you would need a regular computer and a chromebook would not do? Any time you want to run stand alone software that isn't available on the Chrome OS. Off the top of my mind Quicken Turbo Tax or TaxCut YNAB Photoshop AutoCAD Oracle MS Office at the power use...
by texasdiver
Mon May 18, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: Retirement and Proximity to "Teaching Hospitals"
Replies: 15
Views: 1524

Re: Retirement and Proximity to "Teaching Hospitals"

I don't think the key factor is whether a hospital is a teaching hospital or not. My wife is in a faculty position in a residency program affiliated with a teaching hospital and she has plenty of horror stories about inexperienced residents. The key is having access to a major medical center with a ...
by texasdiver
Mon May 18, 2015 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan and three-fund portfolio...
Replies: 22
Views: 1473

Re: Thrift Savings Plan and three-fund portfolio...

FYI. You can roll your 5% traditional IRA into the TSP if you want to. That's what I did with all of my traditional IRAs. That will simplify your portfolio a bit. After that it's a question of how to distribute your portfolio between TSP, Roth, and taxable. You need to read the boglehead wiki on eff...
by texasdiver
Mon May 18, 2015 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan and three-fund portfolio...
Replies: 22
Views: 1473

Re: Thrift Savings Plan and three-fund portfolio...

You can't do the 3 fund portfolio with the TSP. Or at least you can't do it with 3 funds. You will have to own both the C and S funds in (I think) a 3:1 ratio to duplicate the Vanguard Total Stock Market fund. The I fund comes pretty close to the Vanguard total International stock fund but doesn't h...
by texasdiver
Sun May 17, 2015 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house from family member
Replies: 13
Views: 1033

Re: Buying house from family member

I bought my house from my parents in 1977. It was offered to any of the kids. I paid FMV minus unneeded cost of sales 10%. I had 5 siblings who all got a share.(We had all worked on the house, even digging out the basement. The neighbor called us the "Chinese peoples army" . to get their ...
by texasdiver
Sun May 17, 2015 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance for Florida Condo High Rise?
Replies: 11
Views: 1095

Re: Flood Insurance for Florida Condo High Rise?

I'm confused about what you are insuring against. It would seem to me that you have at least 3 different types of risks due to flooding 1. Damage to your own possessions inside your own 5th floor unit do to flood waters. As you note, this seems pretty unlikely. But you could still suffer some types ...
by texasdiver
Sun May 17, 2015 10:09 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Yes or No?
Replies: 56
Views: 4185

Re: Emerging Markets: Yes or No?

I am by no means the expert on emerging markets that some of you are, and I'm not nearly as traveled. However my wife and I do travel to Chile at least once a year and due to family we are somewhat invested there and I do my best to educate myself about the Chilean economy. Here is what I've observe...
by texasdiver
Sat May 16, 2015 7:31 pm
Forum: Investing - Theory, News & General
Topic: The striking effects of career sequencing with pension and 401k
Replies: 13
Views: 1912

Re: The striking effects of career sequencing with pension and 401k

One thing I don't see taken into account is an increase in salary over an entire career. The example of $100,000/yr at the beginning of a 40-year career and the same amount per year at the end of a career is totally out of whack. How does it work out if someone is able to save only 10% at the begin...
by texasdiver
Sat May 16, 2015 1:35 pm
Forum: Personal Consumer Issues
Topic: South Bend to Chicago to Milwaukee
Replies: 18
Views: 1168

Re: South Bend to Chicago to Milwaukee

This is what you have to see between South Bend and Chicago. Most people avoid even getting off the freeway http://bloximages.chicago2.vip.townnews.com/nwitimes.com/content/tncms/assets/v3/editorial/e/bf/ebf1951e-5b10-52ba-be73-35855cf457a3/4fa45dd13db4a.preview-620.jpg http://bloximages.chicago2.vi...
by texasdiver
Sat May 16, 2015 8:32 am
Forum: Personal Consumer Issues
Topic: Home Prices Are Way Too High
Replies: 26
Views: 3644

Re: Home Prices Are Way Too High

That's why people move to Texas. Around this part of central Texas you can find a fixer-upper for under $50 grand and maybe even get our local HGTV Fixer Upper TV Show folks to fix it up for you. Say something like this: http://www.realtor.com/realestateandhomes-detail/626-Garland-Ave_Waco_TX_76707_...
by texasdiver
Fri May 15, 2015 9:29 pm
Forum: Investing - Theory, News & General
Topic: The striking effects of career sequencing with pension and 401k
Replies: 13
Views: 1912

Re: The striking effects of career sequencing with pension and 401k

It is an interesting example you've given, but it is clearly heavily skewed by compounding. It's also skewed by the pension formulas weighting the highest average salary (typically 3-5 years). The formula heavily favors late-phase careers. In contrast, heavy 401(k) in late-phase careers don't have ...
by texasdiver
Fri May 15, 2015 4:00 pm
Forum: Investing - Theory, News & General
Topic: The striking effects of career sequencing with pension and 401k
Replies: 13
Views: 1912

Re: The striking effects of career sequencing with pension and 401k

It is an interesting example you've given, but it is clearly heavily skewed by compounding. In scenario 1 you have no early age savings rate and in scenario 2 you have $20k per year in the early years. Just because you have a pension doesn't mean you shouldn't save. Especially if you're raking in $...
by texasdiver
Fri May 15, 2015 3:27 pm
Forum: Investing - Theory, News & General
Topic: The striking effects of career sequencing with pension and 401k
Replies: 13
Views: 1912

The striking effects of career sequencing with pension and 401k

My wife is looking at a possible new job that would have a traditional pension as part of the retirement benefits after having worked the first half of her career in a job with no pension but an ordinary 403(b). Consequently I've been running some retirement calculations to see how we would come out...
by texasdiver
Thu May 14, 2015 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Calculating Net Worth
Replies: 8
Views: 791

Re: Calculating Net Worth

I'm not exactly sure what the purpose of calculating net worth is other than to give yourself a snapshot into your wealth. I just take the value of of my investment portfolio and add to that a conservative estimate of my home equity to come up with my net worth. If you have a lot of debt you'd want ...

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