Search found 926 matches

by TxAg
Sun Jan 22, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Selling diamond engagement ring
Replies: 30
Views: 2533

Re: Selling diamond engagement ring

Hello, I have a diamond engagement ring that I am considering selling. Does anyone have any tips on getting the best price? Resale on jewelry is horrible, I know. The piece is a very nice ring. It's a 2 carat diamond set in a Tacori double twist setting. The stone was about $12K and the setting was...
by TxAg
Sat Jan 21, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 68
Views: 5476

Re: East Coast And Work/Life Balance

OP, you aren't alone. I couldn't do it. You couldn't pay me 5x what I make now to live in NJ/NY.
by TxAg
Tue Jan 17, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Saving rater after becoming father
Replies: 27
Views: 2367

Re: Saving rater after becoming father

Two kids under 3. Daycare costs us $21k per year. So our savings took a big hit....not the full $21k as we eat out less, etc

Regarding birth, a natural birth cost us around $2.5k and an emergency c-section was $5k
by TxAg
Wed Jan 11, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Keeping kitchen knives sharp
Replies: 54
Views: 3961

Re: Keeping kitchen knives sharp

$4 on Amazon: Smiths Consumer Products CCKS Pull-Thru Knife Sharpener, Portable


I keep one in the drawer for kitchen knives and one in my hunting pack for skinning/quartering.

It is a cheap and easy system and works every time on cheap knives and expensive knives. No need for anything fancy.
by TxAg
Tue Jan 10, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: DIY Backcountry Hunting Pack
Replies: 15
Views: 775

Re: DIY Backcountry Hunting Pack

MI_bogle wrote:It is quite surprising on here sometimes :) Just glad you are casting a wide net!

Good luck on your trip, I am a big fan of out-of-state DIY hunts, they are very rewarding



Thanks. I agree with you. Regardless of what happens, it will be a great week.
by TxAg
Tue Jan 10, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: DIY Backcountry Hunting Pack
Replies: 15
Views: 775

Re: DIY Backcountry Hunting Pack

flyingbison wrote:
lthenderson wrote:I like old external frame backpacks for this sort of thing.


I second this - get an external frame pack.

Also, what's the terrain like where you'd be going?


Most likely Idaho or Colorado. It'll be early season so we'll be at elevation.
by TxAg
Tue Jan 10, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: DIY Backcountry Hunting Pack
Replies: 15
Views: 775

Re: DIY Backcountry Hunting Pack

No offense, but bogleheads is the last place I would get feedback on a hunting backpack. Go to a hunting website/forum for that, there are a lot of good ones A quick google search (best elk hunting backpacks) leads to many great reviews and suggestions. I know a few people that have done an elk tri...
by TxAg
Tue Jan 10, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: DIY Backcountry Hunting Pack
Replies: 15
Views: 775

Re: DIY Backcountry Hunting Pack

I wouldn't skimp on the backpack. Get a kifaru or a stone glacier... if this is something you might do a few times it will be well worth it. Trying for a DIY solution on the pack is penny-wise pound-foolish. Sorry, what I meant was we are doing a DIY hunt (no guides, no mules, no 4-wheelers). I'm 1...
by TxAg
Tue Jan 10, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: DIY Backcountry Hunting Pack
Replies: 15
Views: 775

Re: DIY Backcountry Hunting Pack

I'm looking for some recommendations on affordable packs that are dual purpose... gear in, meat out . Explain this part to me ... what will you do with your gear on the way back? How 'bout this... gear in, meat out, gear out. So we hike 6-8 miles in on the first day. Then hunt within a mile or two ...
by TxAg
Tue Jan 10, 2017 6:28 am
Forum: Personal Consumer Issues
Topic: DIY Backcountry Hunting Pack
Replies: 15
Views: 775

Re: DIY Backcountry Hunting Pack

I see you are living in TX. Elk hunting. If this is new to you I hope you are thinking this through Not sure how old you are.and how many friends you will be with or where you are hunting I would consider looking into outfitters (to pack out) or locals that will help you pack things out. You can hi...
by TxAg
Mon Jan 09, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: DIY Backcountry Hunting Pack
Replies: 15
Views: 775

DIY Backcountry Hunting Pack

We're planning a hunt for this coming Fall. Most likely elk, but we may do a last minute mule deer hunt. Either way, we'll need a robust pack capable of carrying heavy loads of meat. I'm looking for some recommendations on affordable packs that are dual purpose...gear in, meat out. For $500 I can ge...
by TxAg
Sun Jan 08, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to the Dallas, TX Area
Replies: 30
Views: 2425

Re: Relocation to the Dallas, TX Area

Thanks for the responses everyone. Here's some more information: The work location would be around the intersection of W. Plano Pkway and Independence Pkway. A house somewhere in Plano or thereabouts with a decent driving distance to work and in a very good school district would be the goal. We don...
by TxAg
Sun Jan 08, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to the Dallas, TX Area
Replies: 30
Views: 2425

Re: Relocation to the Dallas, TX Area

East Plano or West Plano? That will help us natives steer you in the right direction
by TxAg
Wed Jan 04, 2017 9:20 pm
Forum: Investing - Theory, News & General
Topic: Are Younger people funding 529 Plans?
Replies: 109
Views: 7320

Re: Are Younger people funding 529 Plans?

34/32 kids are both under 3 we have a 529 for each we're comfortable with our retirement savings thus far and continue to save we're far from rich and don't have large salaries i see it as a "bucket" to save some money for the future for a specific purpose. there won't be enough there to e...
by TxAg
Tue Jan 03, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28841

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

If this is only 10% of what's going on, then I feel for you. This is bad enough, but if there's more behind the scenes then yikes! Best of luck.
by TxAg
Mon Jan 02, 2017 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28841

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

I dated a girl in college for a few months. Come to find out, her mom spent a year in prison for embezzling $300k from the school that employed her.

I met the mom once, and she was very nice....but still a thief that deserved jail time.
by TxAg
Sun Jan 01, 2017 9:50 pm
Forum: Investing - Theory, News & General
Topic: If you only have 20% in bonds...
Replies: 42
Views: 6879

Re: If you only have 20% in bonds...

34/32

0% in bonds
by TxAg
Sun Jan 01, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: The DIY-529 - seeking feedback
Replies: 18
Views: 1175

Re: The DIY-529 - seeking feedback

Just nitpicking here:

Room and board is a qualified expense as long as it is on par with what the school charges (assuming child chooses to live off campus)

The 10% penalty is only on growth.
by TxAg
Fri Dec 23, 2016 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Auto loan through PenFed. They require a VIN number?
Replies: 34
Views: 2157

Re: Auto loan through PenFed. They require a VIN number?

I got a car loan through penfed back in July. I just caled the car dealership and asked them wha the vin was....then told penfed. It was painless
by TxAg
Wed Dec 21, 2016 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to Drop Wells Fargo for Online Banking
Replies: 48
Views: 2658

Re: Looking to Drop Wells Fargo for Online Banking

We just left WF for Chase. Much happier.
by TxAg
Wed Dec 21, 2016 7:58 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 175
Views: 12929

Re: Cost of dog ownershi

I would like a dog, but my wife will not allow it! Based on friends and relatives that are dog owners, and having had dogs growing up in the country - The BIGGEST (actual or potential) cost of a dog is the expense of "extraordinary" medical expenses if/when the dog encounters certain cond...
by TxAg
Wed Dec 14, 2016 7:53 pm
Forum: Personal Consumer Issues
Topic: Subaru Outbacks - any owners here?
Replies: 36
Views: 3181

Re: Subaru Outbacks - any owners here?

We've had a 2017 since July. We really like it so far
by TxAg
Mon Dec 05, 2016 10:57 pm
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 6694

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

3 tickets for sure. Maybe even 4 ;)
by TxAg
Mon Dec 05, 2016 3:41 am
Forum: Personal Finance (Not Investing)
Topic: Feel like I'm spending more even though I'm saving more
Replies: 39
Views: 3839

Re: Feel like I'm spending more even though I'm saving more

Your numbers look very reasonable; you don't appear to be a spendthrift even if it feels like it to you. One thing to keep in mind is that you're only supporting yourself right now. Someday, you may be supporting a spouse and some kids. Or not. That's up to you. And the potential future spouse. In ...
by TxAg
Sun Dec 04, 2016 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Back to Med School - Financially Worth It?
Replies: 87
Views: 11899

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: 48
Views: 4491

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: 4805

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: 1543

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: 549

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: 2618

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: 3872

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: 36
Views: 2968

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: 50
Views: 5241

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: 15234

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: 528

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: 786

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: 2115

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: 67
Views: 6942

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: 4482

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: 14724

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: 4032

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: 2026

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: 4706

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: 4706

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: 1202

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: 2051

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: 17665

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: 12716

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: 3812

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...

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