Search found 993 matches

by TxAg
Thu May 18, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 12356

Re: For those with $500k-$1m in investments...

5/95

Would like to pad the taxable more but we're at a point in life where we sometimes draw a bit from it. (35/32 with kids)
by TxAg
Thu May 18, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: Tipping at All Inclusive Resort?
Replies: 67
Views: 4812

Re: Tipping at All Inclusive Resort?

My husband and I just came back from vacation in DR at an AI resort. We always bring money to tip everyone, but we noticed that a lot of people do not tip. For example, this is what we would typically leave for tips: Drinks - $1/drink Buffet Breakfast/Lunch/Dinner - $3-$5 Sit down dinner - $10 Just...
by TxAg
Sat May 13, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Tipping at All Inclusive Resort?
Replies: 67
Views: 4812

Re: Tipping at All Inclusive Resort?

My husband and I just came back from vacation in DR at an AI resort. We always bring money to tip everyone, but we noticed that a lot of people do not tip. For example, this is what we would typically leave for tips: Drinks - $1/drink Buffet Breakfast/Lunch/Dinner - $3-$5 Sit down dinner - $10 Just...
by TxAg
Sun May 07, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 7251

Re: Stay home with kids?

All I read was the OP, but with $6MM in the bank already, we'd both be staying home.

You said your kids are getting the short end of the stick...nothing is more important than remedying that (assuming you have the funds and you do).
by TxAg
Sat May 06, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Need help with tree
Replies: 20
Views: 982

Re: Need help with tree

No, the stub you see in the crotch is the original dead trunk. It's dead wood. I can trim it back closer to the live trunk if needed. I have a beautiful Shumard (Red) Oak in my front yard. They will grow tall and do very well in our TX climate. I would start over. You can get a tree from a nursery ...
by TxAg
Thu May 04, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 213
Views: 17951

Re: Where to Live on $60K or Less a Year?

Thanks again to all who have responded. I wrote down all of the suggested locations, and my wife and I made a quick run through them last night. Based on the comments given, and our first-impression thoughts of a location (for example, regardless of how wonderful somewhere in Washington State or up...
by TxAg
Wed May 03, 2017 12:10 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 213
Views: 17951

Re: Where to Live on $60K or Less a Year?a

In TX:

Fredericksburg
San Marcos (Wimberly, New Braunfels)
Waco
Conroe
Weatherford
Granbury
Denton
Probably lots more
by TxAg
Sat Apr 29, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 81
Views: 8157

Re: Helping adult children

I grew up with a sister who lived off my parents until the day they died. My second sister and I estimated she mooched about $300k over a 30 year period. It sickens me to even think about how she blew my parents hard earned money. Have you considered that the daughter that lived with them likely he...
by TxAg
Wed Apr 26, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 4865

Re: $300+ to remove a racoon. Really?

I live in an HOA and had a beehive in my backyard. I could have called the HOA and an exterminator would have taken care of the bees. But I wanted the bees removed and not killed. After a number of calls starting with the California Beekeeper association and then to my local Farmers Market, I locat...
by TxAg
Tue Apr 25, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 4865

Re: $300+ to remove a racoon. Really?

If you are a DIY kinda person, the best way to catch a coon is with a Duke's dog proof trap and a little cat food. https://www.amazon.com/Duke-DUKE-DP-Coon-Trap/dp/B005KW3AY6 The only downside is that it requires killing the coon, which may be an issue for some. Their population has skyrocketed in t...
by TxAg
Sun Apr 23, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 57
Views: 7237

Re: Time savers - life on automation

Hmmm...this is making me think. I don't have anything in automation. I actually dislike bill pay automation. I do have email reminders set, though. I'll go ahead and suggest these time savers: If I go for a jog, I put one of the kids in the stroller. Makes for added resistance and it entertains them...
by TxAg
Sun Apr 23, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 81
Views: 8157

Re: Helping adult children

As someone who is probably the same age as your children, I would say don't give me a dime unless I'm somehow in dire straits. If you want to split it 50/50 when you pass then fine, but while you're on this Earth I wouldn't want one penny of your money. I understand the 529 approach, and that might ...
by TxAg
Sun Apr 23, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 43
Views: 3688

Re: Gardening 2017

I've use Mel's mix for the last 2 years or so. This year i scrapped the veggies and went 100% wildflowers. We like to watch the bees, butterflies, and hummingbirds. Plus we have a lot of green Anole lizards. Every day when my 3 yr old gets home from school we go straight from the car to the flower g...
by TxAg
Sat Apr 22, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 5354

Re: Six pack for barbecue?

Corona is the equivalent to Bud Light. Works in a pinch but there are better options.

I agree with everyone else that says bring 12 instead of 6.
by TxAg
Thu Apr 20, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 2652

Re: Building your own fence

It can be done. It's grunt work more than anything. I had ours done a couple years ago. 8' board on board prestained cedar with top cap and rot board. It was $37/ft if I remember correctly. My wife and I love it. I didn't have the help you do so it would have taken me foreverrrrr plus I had them hau...
by TxAg
Thu Apr 20, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 36753

Re: Larry Swedroe says "Goodby."

White Coat Investor wrote:Thank you Larry.

And this is how someone feels on one of the sites that is one of the safest, most polite, and least-attacky on the internet. I assure you it is far worse elsewhere.

Nonetheless, a lesson to be learned by all. How you interact matters.


+1
by TxAg
Tue Apr 18, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 8123

Re: Mens Blue Jeans - What are we buying now?!

In the last 2 years I switched to Wrangler from Levi. I also wore Lucky in college. It's nice only paying ~$20 for jeans
by TxAg
Tue Apr 18, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford private school for my kids?
Replies: 67
Views: 5234

Re: Can I afford private school for my kids?

That seems steep to me given your income. It's doable but requires some sacrifice.
by TxAg
Mon Apr 17, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: New car...finance or not?
Replies: 17
Views: 1469

Re: New car...finance or not?

You could always split the difference....finance half at a low rate and put half down. May not be worth it to you, but that's what we did for a $32k new car purchase.
by TxAg
Sun Apr 16, 2017 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: My kids don't care about saving
Replies: 114
Views: 11369

Re: My kids don't care about saving

OP, you sound like a good dad, and I agree you should be concerned. I'm in the "don't let them off the hook" camp. With all the advertising these days, there's no excuse for a young professional to claim ignorance when it comes to the idea of saving. They may need direction and advice, but...
by TxAg
Sat Apr 01, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: At what age were your kids potty trained?
Replies: 16
Views: 1425

Re: At what age were your kids potty trained?

Let it happen when they are ready. Don't push them too hard. Read up on the bad things that can happen to their little bodies if you stress them out and they hold it too long. It could take your kiddo a day or a year. Just depends. All kids are different. 2 years 10 months for us. #1 was a cinch. Sh...
by TxAg
Fri Mar 31, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?
Replies: 75
Views: 4123

Re: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?

That's funny, because a fidelity advisor just told my mom last week that she should go all in lump sum with a large six figure amount in the S&P 500. I agreed with him.
by TxAg
Thu Mar 30, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Need a Vine for a Masonry Wall
Replies: 21
Views: 1275

Re: Need a Vine for a Masonry Wall

Jasmine
by TxAg
Tue Mar 28, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Red light camera Fort Worth
Replies: 50
Views: 3242

Re: Red light camera Fort Worth

The Wizard wrote:
TxAg wrote:Don't pay it

They can't do anything to you

These red light cameras are such a gimmick



Read the last paragraph:
http://texas.drivinguniversity.com/red- ... red-light/

So just tell them to pound sand then?



I would just ignore it
by TxAg
Mon Mar 27, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Red light camera Fort Worth
Replies: 50
Views: 3242

Re: Red light camera Fort Worth

Don't pay it

They can't do anything to you

These red light cameras are such a gimmick



Read the last paragraph:
http://texas.drivinguniversity.com/red- ... red-light/
by TxAg
Sun Mar 26, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Child Planning Checklist
Replies: 42
Views: 3055

Re: Child Planning Checklist

I haven't read the replies, but my first two thoughts were:

Buy a recliner, not a glider.

Make sure you pay grandma so as to not take advantage.
by TxAg
Thu Mar 23, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 5233

Re: A SUV for towing a Travel Trailer

I occasionally pull a trailer for work....maybe once a quarter. We have company issued Ford Explorers, and the trailer weighs in the neigjborhood of 4000# or more depending on how it's loaded. It's safe enough (so far) but it beats you to hell driving down the highway, and you better make sure you h...
by TxAg
Thu Mar 23, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 301
Views: 40277

Re: What is your favorite consumer product?

Followed closely by my 55" Panasonic plasma TV. Makes me happy every time I watch TV. Happy to see another Panasonic plasma fan; I got one just before they were discontinued. For those who really cared about picture quality, Panasonic plasmas were simply the best. We also have a 55" Panas...
by TxAg
Thu Mar 23, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Stay & remodel vs. Move - North Dallas
Replies: 25
Views: 974

Re: Stay & remodel vs. Move - North Dallas

As a DFW resident, I'd move if I were in your shoes.

I'd either want to be in Dallas proper or on a few acres outside of town. To me, Allen is the middle ground.

Bonus: Your kids will love growing up with a few "pets."
by TxAg
Thu Mar 23, 2017 6:26 am
Forum: Personal Consumer Issues
Topic: Adults trip in May to Zion and Bryce National Parks
Replies: 21
Views: 2197

Re: Adults trip in May to Zion and Bryce National Parks

If you only have 4 days, I'd do 3 in Zion and 1 in Bryce.
by TxAg
Thu Mar 23, 2017 6:24 am
Forum: Personal Consumer Issues
Topic: Kitchen island
Replies: 43
Views: 2388

Re: Kitchen island

Ours is 36" and I like it. 40" seems like overkill. We prefer as much Island space as possible.
by TxAg
Wed Mar 22, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 301
Views: 40277

Re: What is your favorite consumer product?

The other day I walked 9.3 miles. After the first 6 my newish hiking boots (I was breaking them in) started to hurt so I walked the remaining miles in my Darn Tough socks. I walked in grass, leaves, asphalt, and rocks with no ill effects to the socks. I highly recommend them. I also like Woolly shir...
by TxAg
Tue Mar 21, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3575

Re: What is your preferred Weather App?

I played around with MyRadar today and liked it. Thanks
by TxAg
Mon Mar 20, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3575

What is your preferred Weather App?

Iphone here. What app do you prefer? I've used "Weather Channel" for a while but would like to try something different.
by TxAg
Sun Mar 05, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth milestone reached: $100,000!
Replies: 52
Views: 4193

Re: Net worth milestone reached: $100,000!

Best thread I read all weeek

Congratulations!
by TxAg
Sun Mar 05, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Question for Retired Members--life mistakes
Replies: 64
Views: 9044

Re: Question for Retired Members--life mistakes

Another 30something checking in. Thanks for the replies
by TxAg
Sat Mar 04, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 7638

Re: Climate and happiness revisited

Consider where altitude modifies latitude. The high country of Arizona has a sunny, four seasons climate. When visiting other places, look at what cooling systems are on the roofs of the houses, and look for sun rooms, as clues about what seasons need the most temperature modification. I like that....
by TxAg
Sat Mar 04, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Advice on relocation or staying put
Replies: 83
Views: 5813

Re: Advice on relocation or staying put

Of the two, I'd pick Seattle.

Thinking outside the box...just a few ideas:

Albuquerque, Little Rock, Kansas City, St. Louis, Denver, Salt Lake City, Nashville
by TxAg
Sat Mar 04, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Mexico 3rd week in June?
Replies: 16
Views: 1256

Re: Mexico 3rd week in June?

Hurricanes tend to be a bigger issue later in the season (Augustish). June should be nice!
by TxAg
Fri Mar 03, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Typical baptism gift as a Godparent?
Replies: 9
Views: 772

Re: Typical baptism gift as a Godparent?

If Catholic (by chance) a check for the college fund and rosary beads would be nice.
by TxAg
Wed Mar 01, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: Favorite survival books?
Replies: 41
Views: 3500

Re: Favorite survival books?

I've read these and really enjoyed them. They all deal with survival in different scenarios (desert, jungle, antarctic, prisonar of war, sea, indians, etc) Skeletons on the Zahara Endurance (shackleton) Undaunted Courage (lewis and clark) Into the Heart of the Sea (moby dick based on this) River of ...
by TxAg
Wed Mar 01, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 16641

Re: Possibly Financially Independent and Feeling Miserable

When you get home tonight turn on the 6 o'clock world news. It's depressing what goes on in the world. Rejoice that you are in the top few percent, and that you can make a difference by donating money and/or time. Or maybe vacation to a third world country. If that doesn't make you count your blessi...
by TxAg
Sun Feb 26, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 495
Views: 122523

Re: Share your net worth progression

I wish i had as much as some of you, I don't have figures per year and what I make is very little (it's ok for the area I live I guess but... ugh). My net worth is aprox. $300,000 (includes cash and retirement accounts). I'm 42 though so i'm thinking i'm way behind and to ever catch up is very toug...
by TxAg
Sat Feb 25, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: Trip to Savannah GA
Replies: 33
Views: 2361

Re: Trip to Savannah GA

Nothing to add, but we just flew in/out of there last week and loved the airport.
by TxAg
Fri Feb 24, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical dilemma involving birthdays and wine..
Replies: 35
Views: 3757

Re: Ethical dilemma involving birthdays and wine..

I would drink the wine and not worry about it.
by TxAg
Tue Feb 21, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 56
Views: 5012

Re: Is 60/40 too conservative for 31 year old?

We are a couple years older and 100/0 so I vote yes...too conservative.
by TxAg
Tue Feb 21, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 123
Views: 7555

Re: Credit cards vs. Cash

Agreed. I rarely have cash on me and when I do, I tend to spend a few bucks here and there without a second thought. I prefer using the card...keeps my wallet thin So how do you gift to the guy that asks if you can spare some change? Perfect excuse.... I tell them all I have is plastic. I am occasi...

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