Search found 1095 matches

by TxAg
Thu Feb 15, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance Question
Replies: 1
Views: 263

Home Insurance Question

When shopping for home insurance, do you prefer Actual Cash Value or Replacement Cost Value? I inderstand that ACV is net of depreciation...an example using an appliance or camera makes sense. However, I don't understand how that applies if my house burns down. I'm not so worried about the contents ...
by TxAg
Thu Feb 15, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Dental chews for dogs....useful?
Replies: 36
Views: 1877

Re: Dental chews for dogs....useful?

The dog just thinks of it as a treat. So any type of treat would likely be fine for a reward. For actual teeth cleaning, you can buy raw bones with marrow and meat still attached. They’re around $6 for a large (maybe 6” x 4”). Do that once a month for teeth cleaning. They are generally in the froze...
by TxAg
Wed Feb 14, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: Dental chews for dogs....useful?
Replies: 36
Views: 1877

Re: Dental chews for dogs....useful?

if you know any hunters, a deer antler or deer leg works also
by TxAg
Wed Feb 14, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: Dental chews for dogs....useful?
Replies: 36
Views: 1877

Re: Dental chews for dogs....useful?

The dog just thinks of it as a treat. So any type of treat would likely be fine for a reward. For actual teeth cleaning, you can buy raw bones with marrow and meat still attached. They’re around $6 for a large (maybe 6” x 4”). Do that once a month for teeth cleaning. They are generally in the frozen...
by TxAg
Wed Feb 14, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: New Job Evaluation
Replies: 22
Views: 1174

Re: New Job Evaluation

Haven’t read all the replies yet. Work life balance counts for a lot. A LOT!!! Especially with multiple kids. Your wife does well so that helps. I would look hard at the extra hours vs the extra pay (net of parking etc.) to see if it is really worth it. Of course, if you’re truly underpaid then that...
by TxAg
Wed Feb 14, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Keep crows off of chimney caps
Replies: 29
Views: 1387

Re: Keep crows off of chimney caps

Duplicate post
by TxAg
Wed Feb 14, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: Keep crows off of chimney caps
Replies: 29
Views: 1387

Re: Keep crows off of chimney caps

I hate crows. I’m in the “shoot them” camp but realize that isn’t practical in a neighborhood. Maybe put a fake snake or a strobe light on your roof? Good luck.
by TxAg
Sun Feb 11, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: Birding binoculars under $500?
Replies: 21
Views: 990

Re: Birding binoculars under $500?

Despite the fanboys, I hear a lot of bad reviews on Vortex from people that actually know glass.


You might also look at Minox. I’m very pleased with mine. They are the Minox BL 10x44 HD that I found for $280 (listed as displays at Camera Land NY). Normally they’re closer to $500.
by TxAg
Sat Feb 10, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to move to a lower paying career?
Replies: 53
Views: 4506

Re: Can I afford to move to a lower paying career?

jehovasfitness wrote:
Sat Feb 10, 2018 8:08 pm
I'm 36 and drunk so take this as is

But if I were 58.with 3.5m I'd retire completely lol
I love this post
by TxAg
Sat Feb 10, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 2621

Re: Best BBQ in Austin

Surprised about the lack of La Barbecue. I thought the drop-off in taste was minimal compared to Franklins. But the experience is much better than Franklin's. Shorter line and free beer while waiting. They do ask for donation for the beer though. FREE beer? :shock: I went inside to the 'bar' area a...
by TxAg
Sat Feb 10, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: what to look for when buying a flipped house
Replies: 27
Views: 1821

Re: what to look for when buying a flipped house

harrychan wrote:
Sat Feb 10, 2018 2:04 pm
Find a solid home inspector and a certified electrician. Not one referred by either agents.
This!

Even go as far as having a different person for structural, electrical, plumbing, hvac, etc. it will cost a little more, but will be worth it.
by TxAg
Fri Feb 09, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 4083

Re: Who has had a pool?

We don’t have a pool. BUT...my parents have one, my brother has one, my sister in law has one, and my inlaws have one. My brother is filling his in. My inlaws prefer that they didn’t have it. My SIL and my parents love theirs. Different strokes for different folks.
by TxAg
Thu Feb 08, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 2621

Re: Best BBQ in Austin

HikerNC wrote:
Thu Feb 08, 2018 9:02 pm
The best BBQ in Austin is BBQ Fedex'ed in from North Carolina.

None better than Stephenson's BBQ in rural Johnston County (Benson address)
Why eat a pig when you can eat a cow?
by TxAg
Thu Feb 08, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 2621

Re: Best BBQ in Austin

You could always run out to Snow’s BBQ. I’ve never been, but the guy that makes the best brisket I’ve ever eaten loves Snow’s.
by TxAg
Wed Feb 07, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: How much life insurance - and for how long?
Replies: 28
Views: 1878

Re: How much life insurance - and for how long?

My wife and I shopped for term life at basically the same stage in life as you. Early 30s, one small child and at least one more in the future. (We stopped with two children.) I found that the 20-year level term was MUCH cheaper than the 30-year level term, since morbidity starts increasing greatly...
by TxAg
Tue Feb 06, 2018 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Am I saving too much for retirement?
Replies: 104
Views: 11596

Re: Am I saving too much for retirment?

Life has a way if changing things: kids, work, health, house, etc


I would keep saving as much as you can. Then let time do the rest.
by TxAg
Tue Feb 06, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 2621

Re: Best BBQ in Austin

I liked La BBQ over Franklin’s, and the line was shorter. Both are very good, though.
by TxAg
Fri Feb 02, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 6540

Re: Substitute for taking a shower?

Rubbing alcohol goes a long way
by TxAg
Wed Jan 31, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 37
Views: 2868

Re: New Subaru Outback vs. used Volvo XC-70

I’d go subaru
by TxAg
Wed Jan 31, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: How much have kids added to your personal finance/expenses?
Replies: 111
Views: 8165

Re: How much have kids added to your personal finance/expenses?

2 kids under 4

Collectively, about $25k/yr...most of that is daycare.
by TxAg
Tue Jan 30, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: what do/did you do with your evenings with a Toddler in winters ?
Replies: 63
Views: 3892

Re: what do/did you do with your evenings with a Toddler in winters ?

Andyrunner wrote:
Tue Jan 30, 2018 9:04 am
Where is SFH?
Single Family Home
by TxAg
Mon Jan 29, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: what do/did you do with your evenings with a Toddler in winters ?
Replies: 63
Views: 3892

Re: what do/did you do with your evenings with a Toddler in winters ?

Stream Pandora kids music in the tv and have a “dance party”. That’s in between dinner, baths, puzzles, coloring, and reading books.
by TxAg
Wed Jan 24, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16223

Re: Dear wife quits job and now we are down to 1 income

Sending a child to daycare is not insensitive and doesn’t mean your child is unloved. It can be a hot button issue, but there is no right or wrong answer...it is dynamic and depends on personalities and income levels. In your situation, given your expenses and savings, I’d want her to get back to wo...
by TxAg
Wed Jan 24, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Father financial trouble
Replies: 40
Views: 4486

Re: Father financial trouble

The government could garnish it, but I don’t think a cc company can. Someone will be along shortly to give us the facts. Good luck.
by TxAg
Mon Jan 22, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Is a minivan the only commuter vehicle / backup with 3 children?
Replies: 40
Views: 2446

Re: Is a minivan the only commuter vehicle / backup with 3 children?

Subaru Outback meets your demands.

We love ours.

My wife’s boss puts 3 full size carseats (3 kids under 5) across the second row.

With an 8 yr old and a 4 yr old, a car seat and 2 boosters should fit easily.
by TxAg
Sun Jan 21, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Going to one income-seeking testimonials
Replies: 97
Views: 4678

Re: Going to one income-seeking testimonials

Thank you for your replies, all advice is appreciated. I am a Dave Ramsey follower through and through,besides his investing advice, which is surface level stuff. As far as the 15%, that is honestly a target that becomes harder and harder to hit. That doesn’t count my company match, or the pension ...
by TxAg
Sun Jan 21, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 2730

Re: what is the best mouse poison?

I use snap traps and poison. Poison has its place.
by TxAg
Thu Jan 18, 2018 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Someone Needs To Pay For What They Did (Advice sought)
Replies: 44
Views: 7571

Re: Someone Needs To Pay For What They Did (Advice sought)

It’s not fair but the simplest option is to ask the landlord to split it with you. Lesson learned and move on.
by TxAg
Thu Jan 18, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 7679

Re: Short Commute or Nicer House?

We are currently going through a similar internal debate - we live in the suburbs of Dallas currently and expect to move this year (80+% probability) to either a suburb near to where we are, or to Dallas proper. One factor that makes is harder is we have 3 young daughters (5 and below) and so some ...
by TxAg
Thu Jan 18, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 7679

Re: Short Commute or Nicer House?

option 1

it was a no-brainer for us
by TxAg
Mon Jan 15, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3343
Views: 961973

Re: What Movie Have You Recently Watched?

Hostiles

I really really liked this movie!
by TxAg
Mon Jan 15, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Longer Work Hours: Tips for adjusting?
Replies: 10
Views: 1178

Re: Longer Work Hours: Tips for adjusting?

I’d rather work less and make less money. It won’t be fun leaving for work before your kids wake up and getting home about the time they go to bed...and missing activities on the weekend. Since you already made the decision, my tip is to eat healthy and drink lots of water. You want plenty of energy...
by TxAg
Sun Jan 14, 2018 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Uber experience as worker?
Replies: 16
Views: 1651

Re: Uber experience as worker?

MMM wrote a pretty detailed review of his experiment driving for Uber: http://www.mrmoneymustache.com/2017/11/22/mr-money-mustache-uber-driver/ FWIW, most drivers in my town drive for both Uber and Lyft and most report that they like Lyft better. They say Lyft treats their drivers in a more upfront...
by TxAg
Sun Jan 14, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Uber experience as worker?
Replies: 16
Views: 1651

Re: Uber experience as worker?

MMM wrote a pretty detailed review of his experiment driving for Uber: http://www.mrmoneymustache.com/2017/11/22/mr-money-mustache-uber-driver/ FWIW, most drivers in my town drive for both Uber and Lyft and most report that they like Lyft better. They say Lyft treats their drivers in a more upfront...
by TxAg
Wed Jan 03, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 13085

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

Your most valuable treasure is your sleep. - If you sleep well, you have a clear mind and can solve life problems. - If you sleep well, you have more energy to exercise and be active. - When you are sleeping your brain is removing the plaque that otherwise may lead to the Alzheimer's. - When you ar...
by TxAg
Wed Jan 03, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Financial checkup - just found out pregnant
Replies: 22
Views: 2027

Re: Financial checkup - just found out pregnant

You make nearly $300k and have nearly $1MM invested. Tell him to drink a beer and relax :)
by TxAg
Tue Dec 26, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should we downsize?
Replies: 42
Views: 3158

Re: Should we downsize?

NYCguy wrote:
Tue Dec 26, 2017 2:00 pm
OMG. keep the house you love and raise your family. You are both making great money and can afford it. Your home value may go up or down. Don’t worry about it.
+1
by TxAg
Sat Dec 16, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Two commas, I'm calling it
Replies: 20
Views: 4711

Re: Two commas, I'm calling it

Congratulations
by TxAg
Sun Dec 10, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 17308

Re: Save all this money, what do you splurge on?

1. I enjoy collecting Rare & Semi Rare American Coins (Gold and silver) all minted between 1794 -1908. Price range on each item is from $200 to $20k! I have poured at least $125k into this, knowing the worst case, I can sell them for $100k overnight. 2. I enjoy cataloging, these rare coins, so I ha...
by TxAg
Sun Dec 10, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to live on one income?
Replies: 70
Views: 5867

Re: Can we afford to live on one income?

I’d be uncomfortable with it, but it appears to be more of an emotional decision than a financial decision.
by TxAg
Thu Nov 30, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 17118

Re: A good friend has nearly $1M in BitCoin what do I tell him?

He's a business man and a smart one at that,.... and you're a fireman/paramedic. What do you think you should tell him? :happy I kid, no knock on fire fighter or paramedics. I would tell him..... nothing. Let him do as he pleases with this. Haha. He is a firefighter and a paramedic too. That’s how ...
by TxAg
Sat Nov 18, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to payoff mortgage
Replies: 15
Views: 2259

Re: Looking to payoff mortgage

sport wrote:
Thu Apr 20, 2017 4:46 pm
A mortgage with a rate that low is costing you very little, especially after taxes. Almost certainly you have better places to put that money rather than paying it off any earlier than necessary.
+1

We have a 2.5% 15 yr. and are not paying it off early.



Edit: congrats!
by TxAg
Tue Oct 31, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Pet insurance?
Replies: 50
Views: 5003

Re: Pet insurance?

Dogs don’t have to be expensive.

Lots of dogs need good homes.

I’m in the No Insurance camp.
by TxAg
Fri Oct 27, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity Check - Would like to pay off mortgage early
Replies: 35
Views: 3260

Re: Sanity Check - Would like to pay off mortgage early

What happens if you lose your job?

I’d rather have the extra money available.
by TxAg
Sat Oct 21, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Best no sweat athletic/work socks
Replies: 28
Views: 2283

Re: Best no sweat athletic/work socks

Darn Tough makes a thin sock (solid light crew sock)

I wore the same pair two days this week while traveling for business.

I also wear them when hiking or running. Their socks are amazing.