Search found 901 matches

by TxAg
Sun Dec 04, 2016 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Back to Med School - Financially Worth It?
Replies: 82
Views: 10547

Re: Back to Med School - Financially Worth It?

Henry, thanks for updating us. I enjoyed reading your reply.
by TxAg
Fri Dec 02, 2016 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Not happy with my realtor
Replies: 35
Views: 2880

Re: Not happy with my realtor

Tell him your concerns and give him a chance to correct the issues. If he balks or fails, cut him loose and don't lose a wink of sleep over it.
by TxAg
Tue Nov 29, 2016 2:50 am
Forum: Personal Finance (Not Investing)
Topic: Should We Buy or Rent?
Replies: 48
Views: 4371

Re: Should We Buy or Rent?

I see you decided to keep renting. Smart move.
by TxAg
Wed Nov 23, 2016 7:33 am
Forum: Personal Consumer Issues
Topic: Company truck - Nissan Frontier vs. F-150
Replies: 19
Views: 1396

Re: Company truck - Nissan Frontier vs. F-150

F150. Not even a close choice.
by TxAg
Tue Nov 22, 2016 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Help with understanding Dependent Care FSA
Replies: 6
Views: 464

Re: Help with understanding Dependent Care FSA

There is a $5k limit so that's $416/month that gets saved pretax and put into an account. Pay daycare with after tax money but get reimbursed with "pretax" money. So if you are in the 25% tax bracket, you get $5000 throughout the year instead of (5000*.75)= $3750 Example: We rack up 3x tha...
by TxAg
Sun Nov 20, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: gardening, soil amendment, composting
Replies: 33
Views: 2459

Re: gardening, soil amendment, composting

I recommend the book Square Foot Gardening
by TxAg
Sat Nov 19, 2016 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house for your college kid?
Replies: 46
Views: 3667

Re: Would you buy a house for your college kid?

We did it

My brother and I lived there. Rented the third room to a friend.

It was fairly common
by TxAg
Thu Nov 17, 2016 7:40 am
Forum: Personal Consumer Issues
Topic: Portland or Dallas (Southlake area)
Replies: 28
Views: 2046

Re: Portland or Dallas (Southlake area)

Thank you all for your responses. I would be working for Legacy hospital-Portland (don't know about their financial stability) compared to other big players there. Also, since my work will be in Portland, cannot take advantage of WA tax-free status. :( In TX it is a private practice (actually 2 dif...
by TxAg
Mon Nov 14, 2016 10:15 pm
Forum: Personal Consumer Issues
Topic: Products to cope with other drivers' LED headlight
Replies: 45
Views: 4184

Re: Products to cope with other drivers' LED headlight

Based on your replies here, it may be unsafe for you to drive at night. I don't want to sound insensitive but if you are light sensistive and drive so slow that others speedily pass you by, you may be a danger on the road. Best of luck to you. I hope you find a solution.
by TxAg
Mon Nov 14, 2016 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 14470

Re: Monthly grocery costs? How do you keep it low?

We probably spend that much for two adults and two kids under three.
by TxAg
Tue Nov 08, 2016 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: FSA for childcare -- worth it? Issues?
Replies: 7
Views: 493

Re: FSA for childcare -- worth it? Issues?

Ditto what everyone else said

We started doing it last year and signed up again this year.
by TxAg
Tue Nov 08, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 529 Plans
Replies: 7
Views: 701

Re: Fidelity 529 Plans

harikaried wrote:We have two 529 plans with Fidelity, and both just have all the money in the Total Market Index with 0.11% total fees. We live in Nevada, so no state tax benefits, and most of our other accounts are with Fidelity.


Same situation here in TX. I chose a Delaware market indexed plan with minimal fees.
by TxAg
Tue Nov 08, 2016 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: What 529 plan are TX residents using?
Replies: 46
Views: 1961

Re: What 529 plan are TX residents using?

Most of our investments are through Fidelity. They have a plan through Deleware, which is what I used. Low cost and market indexed.
by TxAg
Tue Nov 08, 2016 1:21 pm
Forum: Personal Consumer Issues
Topic: which pickup truck
Replies: 59
Views: 5625

Re: which pickup truck

Always had chevy or gmc growing up, but if I was buying today it would be the ford f150.
by TxAg
Sun Nov 06, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: BMW X5 M - Should I buy?
Replies: 46
Views: 4067

Re: BMW X5 M - Should I buy?

Why does it have to be a BMW? Why did it have to be a Porsche? There are so many more functional options.

Answering these questions might help.
by TxAg
Sun Nov 06, 2016 8:38 am
Forum: Personal Finance (Not Investing)
Topic: How much do you plan to save in your 529 plan?
Replies: 105
Views: 13781

Re: How much do you plan to save in your 529 plan?

Planning on $100k for each kid (2) but don't think we'll get there. We can cash flow the rest or pull from roth ira.

State U is the most likely scenario.
by TxAg
Tue Nov 01, 2016 2:26 am
Forum: Personal Consumer Issues
Topic: Texas [road trip]
Replies: 63
Views: 3675

Re: Texas

I'm a native Texan living in El Paso. If you're going to Carlsbad, you can try stopping at Guadalupe National Park. It's very near. And yes, the BBQ... oh man the BBQ!!! +1 I was just there in early October. Guadalupe Mountains National Park is a cool little national park and just down the road fro...
by TxAg
Mon Oct 31, 2016 8:51 pm
Forum: Personal Consumer Issues
Topic: leaf blower, chainsaw, hedger or single tool
Replies: 26
Views: 1944

Re: leaf blower, chainsaw, hedger or single tool

I would get separate tools. Stihl is very nice. I have an Echo chainsaw and weedeater that I'm impressed with.
by TxAg
Sun Oct 30, 2016 8:55 pm
Forum: Personal Consumer Issues
Topic: Grocery Stores Employing Customers
Replies: 59
Views: 4503

Re: Grocery Stores Employing Customers

I have no problem bagging my own groceries. I find it annoying and pretentious when, in the absence of a bagger, the customer doesn't lift a finger to help bag his/her own groceries. +1. Apparently it's more important to stand there doing nothing to make a point about something neither the checkout...
by TxAg
Sat Oct 29, 2016 8:37 am
Forum: Personal Consumer Issues
Topic: Grocery Stores Employing Customers
Replies: 59
Views: 4503

Re: Grocery Stores Employing Customers

I have no problem bagging my own groceries.

I find it annoying and pretentious when, in the absence of a bagger, the customer doesn't lift a finger to help bag his/her own groceries.
by TxAg
Tue Oct 25, 2016 8:38 am
Forum: Personal Consumer Issues
Topic: insulating garage attic, blow or batts?
Replies: 10
Views: 1131

Re: insulating garage attic, blow or batts?

I prefer batts. A little more work due to crawling around the attic and cutting to length but I think it's the better option.
by TxAg
Mon Oct 24, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: advice on buying a new Outback/Legacy/Camry
Replies: 20
Views: 1960

Re: advice on buying a new Outback or Legacy

Join a VIP partner club. Your price will then be no haggle, less than anything you can negotiate for. Pay attention to time you need to be a club member to get the discount. This will get you 1-2% below invoice but requires 6 months participation. Good deal if you have time. We bought a 2017 Outbac...
by TxAg
Sat Sep 24, 2016 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 128
Views: 17221

Re: Net Worth Milestone Today - $1.5M

I'm excited for yall. Congratulations, and good luck doubling it!
by TxAg
Fri Sep 02, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 12277

Re: Which city to start early retirement?

The minute I saw Idaho, I didn't care what the rest of the options were. Of course, I love the mountains and the hunting/hiking that comes with it.
by TxAg
Fri Sep 02, 2016 3:27 am
Forum: Investing - Theory, News & General
Topic: How to give unsolicited advice
Replies: 54
Views: 3660

Re: How to give unsolicited advice

I say do it. If they are easily offended then they should toughen up. I was in this situation last year (as the younger person). The advice I was given was good in many ways but not quite Boglehead. I made my rebuttal and came out feeling good about things. Then we switched to the subject of raising...
by TxAg
Mon Aug 29, 2016 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: The Richest Man in Babylon
Replies: 29
Views: 5527

Re: The Richest Man in Babylon

I read it last month. It's a quick and good read
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: 4525

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: 4525

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: 8422

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: 8422

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: 8422

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: 6360

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: 6336

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: 3117

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: 3117

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: 3117

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: 24
Views: 1767

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: 4656

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: 31
Views: 4132

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: 3547

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: 5555

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: 1991

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: 1686

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: 1482

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: 3675

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: 5822

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: 5822

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: 1880

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: 1476

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: 7167

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

Go to advanced search