Search found 1673 matches

by texasdiver
Fri Jul 31, 2015 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Think about moving from St Louis to Spokane how is the weather different?
Replies: 6
Views: 836

Re: Think about moving from St Louis to Spokane how is the weather different?

Winters are probably not going to be that different. Lots of cold and gray. Spokane probably gets more snow. But summer in Missouri is probably a lot hotter and more humid than in Spokane which is going to be more dry.
by texasdiver
Thu Jul 30, 2015 9:41 pm
Forum: Personal Consumer Issues
Topic: Rental Car Possible Damaged after I returned it
Replies: 18
Views: 1829

Re: Rental Car Possible Damaged after I returned it

Cell phone cameras are your friend. When I rent a car I walk around it with my cell phone snapping any damage I see at the time of rental and again when I turn it in. I started doing this when renting cars in Latin America where the agencies can be much fussier about little stuff and more frequently...
by texasdiver
Thu Jul 30, 2015 9:33 pm
Forum: Personal Consumer Issues
Topic: Owned a bank owned property & previous owned item
Replies: 10
Views: 724

Re: Owned a bank owned property & previous owned item

I would give it back if it is something you don't really care about. Just put it out by the street and tell him to come get it. There is no reason to get crosswise with someone who KNOWS WHERE YOU LIVE and may have not much to lose at this point if his life has fallen apart. If he was unstable enoug...
by texasdiver
Thu Jul 30, 2015 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Does % of students from low income households factor when you pick schools for kids?
Replies: 39
Views: 2586

Re: Does % of students from low income households factor when you pick schools for kids?

In our area, the private schools are much more racially and ethnically diverse than the public schools. Why? I think it is because most of the physicians and major league sports participants send their kids to the private schools. So the possibility exists that you can choose home and send your chi...
by texasdiver
Thu Jul 30, 2015 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Does % of students from low income households factor when you pick schools for kids?
Replies: 39
Views: 2586

Re: Does % of students from low income households factor when you pick schools for kids?

By way of background I teach at a large diverse public HS that draws from a mostly middle and upper middle class population. I'm a big believer in public education and I have 3 kids in public schools. So I have mixed opinions on this. First, unless you are in an extraordinarily wealthy and exclusive...
by texasdiver
Thu Jul 30, 2015 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: The last 18 months of work-things to think about?
Replies: 9
Views: 1368

Re: The last 18 months of work-things to think about?

Not there yet but I would definitely test-drive your expected retirement income if it is going to be different from your current income. Also if you are going to be doing anything that requires income documentation like a mortgage refi it would probably be better to do it while you still have a docu...
by texasdiver
Thu Jul 30, 2015 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 52
Views: 4205

Re: Priorities

Thanks for sharing. I am curious what you meant by this:

(By American standards, I have always been under-insured. I figured that the chances of my kids inheriting more money was greater that way, and I am pretty sure I was right.)
by texasdiver
Wed Jul 29, 2015 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement finances for two
Replies: 8
Views: 1436

Re: Retirement finances for two

And don't let the tail wag the dog. If this is the woman you want to spend the rest of your life with you need to figure out how best to organize your lives so that it works the best for the two of you. Either or both of you could easily live into your 90s which would push the inheritance stuff off ...
by texasdiver
Mon Jul 27, 2015 9:53 pm
Forum: Personal Consumer Issues
Topic: Best Place to live for a young family?
Replies: 42
Views: 4405

Re: Best Place to live for a young family?

Hello, Back in September 2014, we moved from Chicago to Orange County. Prior to that I had lived in Chicago for 12 years. I am 34 years old, wife is 33 and we have a 2 year old and are planning for a second one :). I work in IT and Finance and my wife works in Finance. If someone were to ask me... ...
by texasdiver
Mon Jul 27, 2015 9:42 pm
Forum: Personal Consumer Issues
Topic: Best Place to live for a young family?
Replies: 42
Views: 4405

Re: Best Place to live for a young family?

There is no perfect place that will maximize all your criteria. If such a place did exist it would last 6 months until the influx of lemmings ruined it. You basically have to decide what your priorities are and what things you can compromise on. Also think about your kids. Generally speaking they wi...
by texasdiver
Mon Jul 27, 2015 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement finances for two
Replies: 8
Views: 1436

Re: Retirement finances for two

I think that having a partner at the end of life involves a whole lot more commitment to each other than having a partner when you are young. At some point one of you is likely to start declining and need more care. If this is the woman who is going to wipe your butt and care for you when you are ol...
by texasdiver
Mon Jul 27, 2015 9:12 pm
Forum: Personal Consumer Issues
Topic: Best Place to live for a young family?
Replies: 42
Views: 4405

Re: Best Place to live for a young family?

I live in the DFW area - relocated from South Bend (near Chicago) - it is very hot but I have adjusted. It took our family about a year to adjust to the heat, now we eat in 100 degree heat by the pool and exercise outside as a family in 90+ degree heat - it really does not bother us much anymore. I...
by texasdiver
Mon Jul 27, 2015 9:03 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 3633

Re: FWD vs AWD (Vehicle)

I drove a FWD Camry in Juneau AK for 5 years without the slightest problem and Juneau has MUCH worse snow and ice driving than what you describe. I just put on 4 studded snow tires all winter and was good to go. I saw a lot more heavy 4x4 SUVs in the ditches around Juneau than small FWD economy cars...
by texasdiver
Thu Jul 23, 2015 1:50 pm
Forum: Personal Consumer Issues
Topic: Best Place to live for a young family?
Replies: 42
Views: 4405

Re: Best Place to live for a young family?

We are basically in your same shoes. Currently live in central Texas and want out. Some random places that seem to have possibilities. Albuquerque. Pretty area with nice weather but schools, crime, and long term water shortages/drought could be issues. Also pretty isolated and economy is mediocre. S...
by texasdiver
Thu Jul 23, 2015 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Parent caught up in forex (vietnamese dong) scam... What should I do?
Replies: 44
Views: 5375

Re: Parent caught up in forex (vietnamese dong) scam... What should I do?

I would email the scammers back on your Mom's behalf and tell the that you will be reporting them to local law enforcement and the FBI and also monitoring her email and that any further communication from them will be forwarded directly to the authorities. And then actually report them. There is pre...
by texasdiver
Thu Jul 16, 2015 8:39 pm
Forum: Personal Consumer Issues
Topic: HomeDepot hardwood flooring issue
Replies: 9
Views: 1097

Re: HomeDepot hardwood flooring issue

Are you limited to what your local HD has in the showroom ? Or will they let you special order something else. If you are willing to pay the difference I would expect that HD could probably special order just about anything.
by texasdiver
Tue Jul 14, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: Beach getaway recommendations please
Replies: 45
Views: 3327

Re: Beach getaway recommendations please

I've been all over Central America and also to Punta Cana. I would take the west coast of Costa Rica hands down over Punta Cana. The Punta Cana that I experienced was a medical conference I went to with my wife at a big all-inclusive resort. Not really my kind of thing. The beach was decent but didn...
by texasdiver
Sat Jul 11, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Professional women's clothing stores in DFW area?
Replies: 6
Views: 466

Professional women's clothing stores in DFW area?

My wife needs to buy some new professional/interview clothes for some job interviews in the Pacific Northwest. She is a mid-career physician but doesn't really have anything to wear for interviews anymore. She works in a public clinic and dresses very casual or else wears scrubs at the hospital. And...
by texasdiver
Sat Jul 04, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: Buying a new desktop computer
Replies: 42
Views: 3760

Re: Buying a new desktop computer

What about one of the cheap new HP mini computers? Similar profile to the Mac Mini but much cheaper. Would be a good option if you already have a decent monitor and keyboard

http://arstechnica.com/gadgets/2015/02/ ... -reviewed/
by texasdiver
Fri Jul 03, 2015 7:31 pm
Forum: Personal Consumer Issues
Topic: Saving on Golf
Replies: 21
Views: 1523

Re: Saving on Golf

Get to know your local HS golf coach and volunteer. I'm friends with the golf coach and teacher from the local HS where I work. When I go with him we get waved onto the local courses because he is buddies with all the course managers. He tells me that anywhere he goes in Texas if he wants to golf he...
by texasdiver
Fri Jul 03, 2015 9:31 am
Forum: Investing - Help with Personal Investments
Topic: What to do with gifts for baby daughter
Replies: 25
Views: 2616

Re: What to do with gifts for baby daughter

I would put it in a 529. Most definitely not a car fund for some future car 16 years from now. The child may not want or need a car at that point but education will always be needed and will always cost $$$$. Yes the money technically belongs to the child but money is fungible and no one will quibbl...
by texasdiver
Fri Jul 03, 2015 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Girlfriend's Money Manager--Should She Switch to Vanguard?
Replies: 37
Views: 4442

Re: Girlfriend's Money Manager--Should She Switch to Vanguard?

Another way to look at the 5.75% load Take the typical person who is investing say $18,000 a year which is the current 401k maximum. The 5.75% load will slice $1,035 from this contribution and will do the same from every subsequent $18,000 annual contribution. Use any investment return calculator to...
by texasdiver
Thu Jul 02, 2015 10:46 am
Forum: Investing - Help with Personal Investments
Topic: As a target retirement fund investor, should I substitute Admiral Funds for Investor Shares?
Replies: 25
Views: 2196

Re: As a target retirement fund investor, should I substitute Admiral Funds for Investor Shares?

I've been looking at the same question. So I pulled up Excel and ran the numbers. The ER for Target Retirement 2015 is 0.16% and it is composed of 5 separate funds, Total Stock, Total Bond, Total Int'l Stock, Total Int'l Bond, and TIPS. I pulled up the Admiral Share ERs for those 5 funds and weighte...
by texasdiver
Tue Jun 30, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 72
Views: 8825

Re: Money arguments with spouse and how did you resolve

Is it weird or unusual that my wife and I never argue about money?

All our savings and such are on autopilot. We live beneath our means for the most part. She splurges on kindle books, I splurge on tools and cycling accessories. But we never really have any reason to argue about anything.
by texasdiver
Tue Jun 30, 2015 8:03 am
Forum: Personal Consumer Issues
Topic: Home cleaning services
Replies: 30
Views: 3361

Re: Home cleaning services

$85/wk in Central Texas (Waco area) for a 3100 sf 4 br 3.5 bath house with pets and kids. We can't go 2 weeks like you guy do. Not with 3 kids, 3 cats, and a yellow lab. We have a Mexican cleaning lady who comes and does all the surfaces but doesn't do laundry or linens unless we leave them for her....
by texasdiver
Tue Jun 30, 2015 7:52 am
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 35
Views: 4843

Re: Amazon getting too smart?

TheGreyingDuke wrote:VPN is the partial solution, that and incognito mode on your browser. I use tunnelbear decent


Really? For Amazon? They still know who you are once you pay. If you really want incognito you probably have to take a pocket of cash to your local Barnes and Noble.
by texasdiver
Mon Jun 29, 2015 9:12 pm
Forum: Personal Consumer Issues
Topic: How to use SSD computer
Replies: 24
Views: 2553

Re: How to use SSD computer

I do both cloud and hard drive backups

You can get a 1 TB USB portable Hard Drive these days for about $50 and they are the size of an old iPhone

http://www.amazon.com/Passport-Ultra-Po ... B00E83X9P8
by texasdiver
Sun Jun 28, 2015 7:56 am
Forum: Personal Consumer Issues
Topic: Kodiak Island Alaska
Replies: 10
Views: 1617

Re: Kodiak Island Alaska

If you want to see bears then I would look for an operation that is dedicated to that type of tourism rather than fishing or hunting. Maybe some place like this?: http://kodiakbearcenter.com/ I think it is a newer operation run by the local Alaskan Native corporation on Kodiak so you would probably ...
by texasdiver
Sat Jun 27, 2015 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Move for a Federal Job - Finances?
Replies: 21
Views: 2534

Re: Move for a Federal Job - Finances?

I worked for a Federal Agency in DC, Seattle, and Juneau starting at GS-9 and ending at GS-14 about 8 years later. Frankly most of my Federal co-workers with kids who did not have deep roots in the DC area were desperate to get out of there and always looking for positions elsewhere. But found it ex...
by texasdiver
Fri Jun 26, 2015 12:11 pm
Forum: Personal Consumer Issues
Topic: Best Educational iPad Apps for Adults?
Replies: 7
Views: 1038

Re: Best Educational iPad Apps for Adults?

Not exactly apps, but Yale and MIT open courses are excellent oyc.yale.edu/courses ocw.mit.edu Yes, my point too. The focus should be on what educational resources are available ONLINE, not what kind of apps are designed specifically for the iPad. There are astonishingly rich online resources avail...
by texasdiver
Fri Jun 26, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: Grade 6, Writing, Resources.
Replies: 10
Views: 839

Re: Grade 6, Writing, Resources.

What specifically is the question? Are you looking for summer resources? I also have a 6th grader. She is doing band camp and I make sure she is well stocked with books from the local library. Beyond that we just get outdoors, spend time together, and travel a lot during the summer. There is more to...
by texasdiver
Thu Jun 25, 2015 9:37 pm
Forum: Personal Consumer Issues
Topic: Best Educational iPad Apps for Adults?
Replies: 7
Views: 1038

Re: Best Educational iPad Apps for Adults?

Safari or Chrome or iBooks I teach at a school that has issued iPads to all students and teachers. Frankly I don't really use apps much for teaching other than content creation. What I do is assign a lot of reading and research topics which basically means the kids spend a lot of time using Safari o...
by texasdiver
Thu Jun 25, 2015 8:46 am
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 90
Views: 12504

Re: Any solo retired RVer's out there?

I think you made a good choice. Especially for a couple that isn't planning to do full time. When you bring the grand kids you can also bring a tent and put them on the ground depending on their age and level of independence. That's pretty common. Unless you are doing Texas camping in July! i live 1...
by texasdiver
Wed Jun 24, 2015 7:38 am
Forum: Personal Consumer Issues
Topic: Kodiak Island Alaska
Replies: 10
Views: 1617

Re: Kodiak Island Alaska

The DIY trip would require a remote fly in by sea/ bush plane, and that gets expensive (look at the weight restrictions but generally it's around 600 pounds, including you). There are simple cabins you can rent for reasonable prices. You just have to come prepared for bears. http://www.fws.gov/refu...
by texasdiver
Tue Jun 23, 2015 10:13 pm
Forum: Personal Consumer Issues
Topic: 4th of July in Washington, DC
Replies: 12
Views: 1231

Re: 4th of July in Washington, DC

I used to do it when I lived there but that was back in the pre 9-11 days. There never was any security checks to go through, you just found your patch of grass near the Washington monument and watched the live music all afternoon until it got dark enough for the fireworks. Perhaps things are differ...
by texasdiver
Tue Jun 23, 2015 9:56 pm
Forum: Personal Consumer Issues
Topic: Kodiak Island Alaska
Replies: 10
Views: 1617

Re: Kodiak Island Alaska

Out of curiosity I did some reading about wilderness lodges on Kodiak Island. It looks like most of them are along Kupreanof Strait which divides Kodiak Island from Afognak Island and some are in Larson Bay. I don't have any personal experience with any of these lodges although I have been through t...
by texasdiver
Tue Jun 23, 2015 5:07 pm
Forum: Personal Consumer Issues
Topic: Kodiak Island Alaska
Replies: 10
Views: 1617

Re: Kodiak Island Alaska

Well hey, here I am. I worked out of Kodiak Island doing observing on fishing boats for a couple of years and also at fish processors located at Old Harbor and Akhiok (small native villages on Kodiak Island) and during my spare time I did a lot of hiking around that area. So I've seen a lot of the s...
by texasdiver
Sat Jun 20, 2015 10:44 am
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 90
Views: 12504

Re: Any solo retired RVer's out there?

Just got back from a week in the Davis Mountains of West Texas with the family in our Fleetwood Popup. We split time between Carlesbad National Park in NM and Davis Mountains in TX. I paid particular attention to rigs this trip. Probably about 15% were self-propelled RVs, 15% were hard-sided camping...
by texasdiver
Mon Jun 15, 2015 9:19 am
Forum: Personal Consumer Issues
Topic: How/where to get rid of old gasoline
Replies: 35
Views: 3916

Re: How/where to get rid of old gasoline

Burn it in your car a couple gallons at a time. 3 years is not that old. I would buy a new 5 gallon container and decant/siphon off the old gasoline into the new container so that any sludge or water is left behind. Gas floats on water so any water, rust, or other foreign material will be on the bot...
by texasdiver
Sun Jun 14, 2015 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Investing and Age Gap
Replies: 15
Views: 2447

Re: Retirement Investing and Age Gap

What would concern me as much as the lack of retirement savings is possible disability. You mention your husband is 40 and has health issues but that you are counting on him working for himself for another 25 years. In addition, your income depends on him working as well. That would concern me great...
by texasdiver
Sun Jun 14, 2015 9:21 am
Forum: Investing - Theory, News & General
Topic: Vanguard: "Can I obtain global exposure through U.S. multinationals?"
Replies: 22
Views: 3071

Re: Vanguard: "Can I obtain global exposure through U.S. multinationals?"

There are many here who are far more expert than I. But I do travel frequently to Latin America and try to be observant about the economy. Take the example of Chile which is the country I'm most familiar with. The top stocks in the Chilean stock market are mostly mining, construction and telecom sto...
by texasdiver
Sun Jun 14, 2015 8:59 am
Forum: Investing - Theory, News & General
Topic: Why High Equity Allocation in Retirement
Replies: 82
Views: 10827

Re: Why High Equity Allocation in Retirement

The way I look at it, if I retire at 60 then I'm planning for at least 3 decades of retirement meaning that at least 1/3 of my portfolio is set aside for the decade of my 80s. An equity heavy allocation is not at all unreasonable for funds that I don't plan to touch for over 2 decades. By the time I...
by texasdiver
Fri Jun 12, 2015 9:02 am
Forum: Personal Finance (Not Investing)
Topic: IPhone Financial stuff
Replies: 26
Views: 3088

Re: IPhone Financial stuff

My wife has new 6 Plus IPhone and we used it a ton on our vacation. We liked it so much I am wondering if I can just quit carrying 1-2 laptops on vacation. Only use the IPhone. What are the issues? Does anyone on here use a smart phone to read financial account balances and your checking account ba...
by texasdiver
Fri Jun 12, 2015 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on 401k loan for home purchase?
Replies: 29
Views: 2480

Re: Thoughts on 401k loan for home purchase?

Is the Georgia real estate market to absolutely hot that you are afraid of missing this one opportunity? Your situation isn't particularly unique. If you want to move, put your house up for sale and start shopping in the area you want to move to. I'm guessing that there are probably going to be plen...
by texasdiver
Thu Jun 11, 2015 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?
Replies: 101
Views: 11324

Re: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?

Assuming you are still in the 28% tax bracket at 250k then your 70k raise will net you 50k per year after taxes, less than that if you have state income tax so perhaps 45k. So basically the new position would net you in the ballpark of an additional 4k per month after taxes. That's not nothing. Do y...
by texasdiver
Thu Jun 11, 2015 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Best Company to Bundle Auto & Home Insurance
Replies: 19
Views: 2070

Re: Best Company to Bundle Auto & Home Insurance

The last time I actively shopped around here in TX was about 4 years ago and the cheapest bundle I found was through Costco which uses Ameriprise. I saved a couple hundred dollars over every other option I examined. The insurance savings alone pays for my Costco card 4x over. As for whether they are...
by texasdiver
Wed Jun 10, 2015 9:13 pm
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 23
Views: 1792

Re: Rent a bike in SF, ride to LA, and drop it off?

How are you going to make sure you get your bike back at the end and that it's still going to be in decent condition w/o taco'd wheels and the like? I assume rental bikes overall are expensive for just this reason. I've considered a west coast bike trip. For me at least, figuring out the bike trans...
by texasdiver
Wed Jun 10, 2015 1:52 pm
Forum: Personal Consumer Issues
Topic: Floor Tiles or Ice Skating Rink?
Replies: 9
Views: 1380

Re: Floor Tiles or Ice Skating Rink?

There are various types of adhesive rubber non-skid surfaces that you could put down on your tile under your bath mats that would keep them from sliding. Here's an example for use in a shop that would probably work: http://www.harborfreight.com/self-adhesive-rubber-safety-step-tread-98856.html Here'...
by texasdiver
Wed Jun 10, 2015 1:38 pm
Forum: Personal Consumer Issues
Topic: Airline flight booking
Replies: 22
Views: 3088

Re: Airline flight booking

I research flights using Kayak, Orbitz and the other sites as well as google. Then I ALWAYS purchase the tickets directly from the airline web site rather than through any 3-party aggregator. If there is some problem with changed/cancelled flights down the road (and there frequently is these days) I...
by texasdiver
Wed Jun 10, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 10166

Re: Perpetual Travelling

Another thing I always bring while traveling is a couple of 3-outlet converter cubes like these which you can get in various shapes at any hardware store or Wal-Mart http://www.amazon.com/Leviton-531-I-Triple-outlet-adapter/dp/B00002NASA/ It is often the case that one winds up in a hotel room or caf...

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