Search found 875 matches

by TxAg
Mon Aug 22, 2016 7:18 am
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 3705

Re: Tips for a 1000 miles car trip with toddler and baby

Another tip -- always mentally plan for 1.5x whatever time google maps says. If maps says 10 hours, plan for 15. It's tough, but pretty realistic. I completely disagree. I've never exceeded google maps timing, ever. In fact, I nearly always beat the estimate. You must have had some extremely unluck...
by TxAg
Sun Aug 21, 2016 4:47 am
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 3705

Re: Tips for a 1000 miles car trip with toddler and baby

We're doing 300 miles in October. Kids will be 2 1/2 and 4 months. That 4 1/2 drive will be more like 6+. Last time we did it my daughter was 9 months, and we left in the evening. She slept the whole way which was nice. Trying to do 500/day two days in a row would be tough....and then do it all over...
by TxAg
Fri Aug 19, 2016 9:54 pm
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 105
Views: 7314

Re: The True Cost of Owning a Dog

At the risk of sounding cold, we probably not embark on vet treatments for a serious illness. It's about the money. I adore my dog and I happily pay for preventive care etc. to keep him healthy and well. But if he required a $5000 hip surgery - no. (in my defense, he's 13 already and has had a good...
by TxAg
Wed Aug 17, 2016 1:31 pm
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 105
Views: 7314

Re: The True Cost of Owning a Dog

Yeah its no secret that pets are expensive...unless you're a dirt bag owner. Just from the shots alone each year you're looking at a couple hundred bucks...combined with pet food and hopefully hygiene maintenance you're easily at $400-$500 on the low end. I don't mean to be combative, but I can giv...
by TxAg
Tue Aug 16, 2016 9:04 pm
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 105
Views: 7314

Re: The True Cost of Owning a Dog

I had no idea people spent so much on vet bills. I love my dog and she lives a spoiled life, but there is a limit. I do most of my own vetting and feed her quality food. Dogs are an extra expense but not too expensive.
by TxAg
Sat Aug 13, 2016 1:56 pm
Forum: Personal Consumer Issues
Topic: Do you wash your car yourself, or have it done?
Replies: 96
Views: 5278

Re: Do you wash your car yourself, or have it done?

I have a company car so i pay to have it done inside and out...probably wvery other week. I get reimbursed. My understanding is that the commercial car washes are water efficient...nice if true but I haven't read up on it. My wife's car is garage kept so it gets dirty at a slower rate. We pay to hav...
by TxAg
Sat Aug 13, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Accounts - How do you use it?
Replies: 103
Views: 5462

Re: Joint Accounts - How do you use it?

My wife had BoA and I had WF. When we got married 5 yrs ago she closed her account and I added her to mine. We have one joint checking account that our paychecks are direct deposited to. We have a joint savings account at WF also but don't keep much in it. We pay just about everything with our cc an...
by TxAg
Sat Aug 13, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Building a Pool
Replies: 44
Views: 2792

Re: Building a Pool

To me, pools detract from home value. I know others who feel the same. Just something to consider. I'll bet you don't live in the South. :) Gill Texas my whole life Live in Texas and Texas Ag is right it will detract or be neutral for some and a big plus for others just like any feature of a home t...
by TxAg
Sat Aug 13, 2016 8:00 am
Forum: Personal Consumer Issues
Topic: Building a Pool
Replies: 44
Views: 2792

Re: Building a Pool

Gill wrote:
TxAg wrote:To me, pools detract from home value. I know others who feel the same. Just something to consider.

I'll bet you don't live in the South. :)
Gill


Texas my whole life
by TxAg
Sat Aug 13, 2016 7:45 am
Forum: Personal Consumer Issues
Topic: Building a Pool
Replies: 44
Views: 2792

Re: Building a Pool

To me, pools detract from home value. I know others who feel the same. Just something to consider.
by TxAg
Fri Aug 12, 2016 5:57 pm
Forum: Personal Consumer Issues
Topic: Advice for Trip to Rocky Mountain National Park in Late September
Replies: 23
Views: 1442

Re: Advice for Trip to Rocky Mountain National Park in Late September

We went in July and it was chilly at night (we were in a tent). I would think a wool base layer and heavy fleece would be appropriate for an early cold snap. It is a beautiful place to vacation...enjoy yourself!
by TxAg
Fri Aug 12, 2016 2:09 pm
Forum: Investing - Theory, News & General
Topic: Anyone else noticing the economy improving?
Replies: 78
Views: 4155

Re: Anyone else noticing the economy improving?

There is a T-crane on every corner in Dallas/Fort Worth. We've been fortunate to have a steady economy even with the oil/gas downturn.
by TxAg
Fri Aug 12, 2016 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 30
Views: 3339

Fidelity Rewards Visa 2% cash back

Anyone use this card? Do you like it? We have used Chase Freedom (now Unlimited) for the last 8 years. We've been happy with the card, the customer service, and the 1.5% cash back. It is the only cc we have, and we thought it might be wise to have a second. We are already Fidelity customers so 2% ca...
by TxAg
Fri Aug 12, 2016 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Are bonds necessary for young investors?
Replies: 58
Views: 3223

Re: Are bonds necessary for young investors?

Early 30s. Just went from 90/10 to 100. We can stomach a downturn as we're in it for the long term. I'd like to start being more conservative in our 40s. Would like to retire in our 50s.
by TxAg
Fri Aug 12, 2016 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Payoff Debt at Sacrifice of Leisure?
Replies: 77
Views: 4917

Re: Payoff Debt at Sacrifice of Leisure?

Sounds like you need to start thinking "us" and stop thinking "hers" and "mine".


Just pay the debt from both salaries and then focus on building a nest egg together.
by TxAg
Wed Aug 10, 2016 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: okay to leave deposit on vehicle?
Replies: 30
Views: 1790

Re: okay to leave deposit on vehicle?

We bought a new car in July...ordered it at the end of May at which time we used our credit card to put down $500. No worries.
by TxAg
Wed Aug 10, 2016 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance for 31 year-old
Replies: 20
Views: 1513

Re: Life insurance for 31 year-old

20 yr term for $500k should be cheap. You can probably stop paying it in 10 yrs when your assets have substantially increased.
by TxAg
Mon Aug 08, 2016 5:14 pm
Forum: Personal Consumer Issues
Topic: Mounting on Cinder Block
Replies: 15
Views: 1324

Re: Mounting on Cinder Block

Epoxy - marine grade

You can get a tube for under $7
by TxAg
Sun Aug 07, 2016 8:22 pm
Forum: Personal Consumer Issues
Topic: Experience Living in an Old House?
Replies: 42
Views: 3438

Re: Experience Living in an Old House?

Could be haunted :wink:
by TxAg
Fri Aug 05, 2016 6:02 am
Forum: Personal Consumer Issues
Topic: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars
Replies: 75
Views: 5142

Re: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars

JeffAL wrote:Alex on Autos (YouTube) ranked the Ford Explorer over the Pilot and Highlander.



I drive one for work. Had the 2013 and now the 2016. I disagree with him.
by TxAg
Fri Aug 05, 2016 6:00 am
Forum: Personal Consumer Issues
Topic: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars
Replies: 75
Views: 5142

Re: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars

Like others, we went through this process recently. We just bought a 2017 Outback. We test drove the vehicles you mentioned and then some. Given your criteria, my vote is for the Pilot. The Hondas seem to have more user friendly designs and more creature comforts whereas the Toyotas seem to have mor...
by TxAg
Thu Aug 04, 2016 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Very late to the party.
Replies: 10
Views: 1783

Re: Very late to the party.

Congratulations
by TxAg
Thu Aug 04, 2016 5:30 am
Forum: Personal Finance (Not Investing)
Topic: should i buy this house
Replies: 16
Views: 1420

Re: should i buy this house

Pajamas wrote:The OP had three posts prior to making this one. If you look at them, it seems pretty obvious that he should not buy that house.


+1
by TxAg
Mon Aug 01, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: Should I flip my neighbor's house to save the neighborhood?
Replies: 72
Views: 6618

Re: Should I flip my neighbor's house to save the neighborhood?

ralph124cf wrote:If this is going to be a gut remodel, you might consider going high end and moving there after the remodel and selling your current home.

Ralph


+1
by TxAg
Sun Jul 31, 2016 9:55 pm
Forum: Personal Consumer Issues
Topic: Am I spending too much on vacation/leisure?
Replies: 16
Views: 1840

Re: Am I spending too much on vacation/leisure?

Since you spend very little hours awake in a hotel, I would opt for a cheaper hotel and then spend as normal all day/night. That should help you shave off a couple hundred.
by TxAg
Sun Jul 31, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: When your work schedule starts affecting your work-life balance
Replies: 144
Views: 11345

Re: When your work schedule starts affecting your work-life balance

Keep standing up for yourself. They are trying to take advantage of you.

Get your résumé up to date just in case :)
by TxAg
Sun Jul 31, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Hazardous Tree
Replies: 7
Views: 762

Re: Hazardous Tree

If it falls your way, will it damage your house, fence, land scaping, etc.?

If not, then I wouldn't worry about it. If so, drive over to the HOA President's house and knock on the door.
by TxAg
Sun Jul 31, 2016 11:34 am
Forum: Personal Consumer Issues
Topic: Where to move
Replies: 54
Views: 4292

Re: Where to move

Grand Junction +1 Grand Junction, Colorado meets all of your requirements: - moderate climate: very mild winters, @250 sunny days a year, dry (never muggy or buggy) - small, self contained city, not part of the suburban sprawl of a large city: Small independent city, pop @ 60,000. Scenic high-speed...
by TxAg
Sun Jul 31, 2016 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Should I do ROTC?
Replies: 44
Views: 3262

Re: Should I do ROTC?

Perhaps my biggest regret...that I never served my country. I wish I would have done a stint after undergrad instead of going to grad school. I have a blessed life but always wished I would have spent 4 years or so in service.
by TxAg
Sat Jul 30, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: Can toll roads be easily avoided in Dallas/FW area?
Replies: 8
Views: 686

Re: Can toll roads be easily avoided in Dallas/FW area?

It depends. I live and work here. My job entails driving across the metroplex to see customers.

For most of Dallas and Fort Worth you can avoid tolls, however on the North and East side it can be incredibly convenient to take the toll roads (Dallas North Tollway and George Bush Tollway).
by TxAg
Sat Jul 30, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: New Tipping Practice?
Replies: 130
Views: 6277

Re: New Tipping Practice?

I agree with you. This has happened recently at an ice cream shop (way over priced anyway), a burger shop, and a seafood place. Generally, they have it defaulted to 20%...no thanks. Although I'm happy to tip 15-20% at a traditional place, these didn't qualify. If you look closely, you can write in y...
by TxAg
Sat Jul 30, 2016 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Should we sell our beach house?
Replies: 11
Views: 1655

Re: Should we sell our beach house?

Sounds like a stale relationship. You enjoyed it, but now it's time to move on.
by TxAg
Fri Jul 29, 2016 8:59 pm
Forum: Personal Consumer Issues
Topic: 15 year 2.75% refinance mortgage
Replies: 34
Views: 3280

Re: 15 year 2.75% refinance mortgage

I refinanced in June with a 15 yr 2.5%. I rolled the closing costs in. I ran the numbers and it made the most sense for us. Just made my first payment at the new rate.



Edit: We were previously at a 30 yr 4%.
by TxAg
Thu Jul 28, 2016 6:22 pm
Forum: Personal Consumer Issues
Topic: It's too hot
Replies: 49
Views: 3832

Re: It's too hot

mouses wrote:
AZAttorney11 wrote:It's 109 in Phoenix right now. You guys should toughen up :D


I can always go to the movies or something. I'm worried about the pet.

p.s. The humidity is very low always. I do not understand this, since I'm near a cove.


Maybe a floor fan would help the dog
by TxAg
Thu Jul 28, 2016 5:43 pm
Forum: Personal Consumer Issues
Topic: It's too hot
Replies: 49
Views: 3832

Re: It's too hot

Animals are tough. Is it possible to install a window shade screen...even if temporary. Can you plant new trees on your side of property line? If you buy a tree that's already 12' tall and water the heck out of it, it'll grow surprisingly tall very quickly (make sure youndon't buy a slow growing tre...
by TxAg
Wed Jul 27, 2016 3:42 pm
Forum: Personal Consumer Issues
Topic: Gas grill recommendations please
Replies: 52
Views: 2261

Re: Gas grill recommendations please

Thanks again guys. Looks like a Weber is in the near future
by TxAg
Wed Jul 27, 2016 3:39 pm
Forum: Investing - Theory, News & General
Topic: Interesting Interaction with Edward Jones
Replies: 43
Views: 3370

Re: Interesting Interaction with Edward Jones

I don't have the magazine on me at the moment, but Edward Jones actually scored pretty high up the list (of financial advisors, I believe? going on memory) on customer satisfaction in Consumer reports. This was a magazine that came in just yesterday, so it's hot off the press. Guess who scored at t...
by TxAg
Tue Jul 26, 2016 9:24 pm
Forum: Personal Consumer Issues
Topic: Gas grill recommendations please
Replies: 52
Views: 2261

Re: Gas grill recommendations please

For gas grills, I also recommend weber. But I am responding with a tip to help you save some $. Buy discounted gift cards to pay for the grill. For example, if the grill is $499 and you have 6% sales tax, then you will need $528.94 worth of gift cards. FYI - Lowe's gift cards are typically discount...
by TxAg
Tue Jul 26, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: Gas grill recommendations please
Replies: 52
Views: 2261

Gas grill recommendations please

I have a $200 pice of junk from Lowes that has lasted 3 years. It's toast. I could live with 2 burners but 3 or 4 is nice. I'm guessing I need to up my budget to $400-$500 to get a quality unit that will last. I'm happy to spend less than that if there is a decent option out there. I hear good thing...
by TxAg
Mon Jul 25, 2016 10:18 pm
Forum: Personal Consumer Issues
Topic: Affordable Bachelor party transportation?
Replies: 26
Views: 1525

Re: Affordable Bachelor party transportation?

Money well spent

I'd persuade them to pay up for the bus
by TxAg
Mon Jul 25, 2016 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 153
Views: 14735

Re: Evicting a tenant-Hire lawyer?

Stay firm on the fraud charges. Send her butt to county jail for a while.
by TxAg
Sun Jul 24, 2016 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 45
Views: 3650

Re: 20% In REITS?

Maybe I am misinterpreting some of the previous comments, but I wish people would clearly state in their comments whether they are expressing the percentage of REITS as a percentage of the stock portion of their portfolio or as a percentage of their total portfolio. :? For us, as of today, about 10...
by TxAg
Sun Jul 24, 2016 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Appropriate tip amount for river rafting guides?
Replies: 50
Views: 3102

Re: Appropriate tip amount for river rafting guides?

A Grand Canyon river trip has been on my dad's bucket list for quite some time, so I've been looking into joining him with our family of four. For a 7-day trip on a motorized raft with four guides, the cost is about $2500 per person. This is definitely not what we normally spend on vacations, but w...
by TxAg
Mon Jul 18, 2016 9:04 am
Forum: Personal Consumer Issues
Topic: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]
Replies: 81
Views: 6217

Re: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]

You could always buy a cheap window unit for the bedroom
by TxAg
Mon Jul 18, 2016 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?
Replies: 66
Views: 6968

Re: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?

Just me, but for 36 hrs a week I think I'd stick with $600k/yr for 4 or 5 more years and call it quits for good. thank you for our opinion with $700K in current investment (Vanguard, 80% stock, 20% bonds), how much would you need to save up per year in order to retire in 4 or 5 yrs? Let's say you h...
by TxAg
Sun Jul 17, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?
Replies: 66
Views: 6968

Re: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?

Just me, but for 36 hrs a week I think I'd stick with $600k/yr for 4 or 5 more years and call it quits for good.
by TxAg
Sun Jul 17, 2016 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?
Replies: 66
Views: 6968

Re: Gross Income $600K/yr Working 12 Months VS $133K/yr Working 4 Months (And 8 Months Off)?

How much do you work now? My answer changes if you say 30 hours a week or 90 hours a week.
by TxAg
Sun Jul 17, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: Help Planning Trip to Zion
Replies: 8
Views: 1027

Re: Help Planning Trip to Zion

Success! I was able to find an Airbnb right outside of Bryce Canyon (an entire house for 6 with laundry and kitchen for the same price as a hotel room). So I have 3 nights in Zion and 2 in Bryce. Now all that's left to find is the courage to hike Angel's Landing: https://youtu.be/_FY47LEfEG4?t=54m3...
by TxAg
Sat Jul 16, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: Help Planning Trip to Zion
Replies: 8
Views: 1027

Re: Help Planning Trip to Zion

We saw Zion and Bryce for the first time last spring. All I can offer is that you're gona love it!
by TxAg
Sat Jul 16, 2016 7:16 am
Forum: Personal Finance (Not Investing)
Topic: I created dependency, now what?
Replies: 50
Views: 5437

Re: I created dependency, now what?

Some jobs are considered humiliating according to this country's culture. Example, the mother could work as a maid or something similar, but it would be something that will devastate her and her family. :oops: Any aid I was sending would have stopped right there. It isn't like you would be forcing ...

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