Search found 950 matches

by TxAg
Sat Feb 25, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: Trip to Savannah GA
Replies: 9
Views: 451

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: 3349

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: 4552

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: 6413

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...
by TxAg
Fri Feb 17, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Visiting the National Parks
Replies: 27
Views: 1376

Re: Visiting the National Parks

I want to do this when we retire...over a few years. Already have 9 down. I missed out on Dry Tortugas twice while in Key West...still kicking myself over that one.
by TxAg
Thu Feb 16, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 123
Views: 6413

Re: Credit cards vs. Cash

My guess is "Rocket Surgery" was meant to be funny...not a slip up. (n.) a play on words which mixes two common metaphors: "rocket science" and "brain surgery" A line in a hilarious Chris Rock comedy act states that one shouldn't eat green meat. No kidding. It doesn't t...
by TxAg
Wed Feb 15, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 123
Views: 6413

Re: Credit cards vs. Cash

Contrary to popular wisdom, we consider the inverse to be true. We track and are very careful with all of our credit card spending, largely thanks to tools similar to Mint. Cash slips through the cracks easily (1€ here, another 2€ there), and we limit it as much as possible. Agreed. I rarely have c...
by TxAg
Fri Feb 10, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6154

Re: Child on the Way - What to do for College Financing?

OP, your life is about to completely change. From experience, and no offense intended, your post reads like someone who has not yet wrapped his mind around having a smaller portion of the pie dedicated to him. E.g., to this point, you've been able to do whatever you want with your money in the prec...
by TxAg
Thu Feb 09, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 8670

Re: Saved too much? What do you splurge on?

If you're living on 1% and that includes a lot of spoiling of children and grandchildren it's time to get serious about charity. Scholarship programs--a $5-$10 million seed could potentially forever fund the education of several children at even the most expensive private schools. It would also giv...
by TxAg
Wed Feb 08, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6154

Re: Child on the Way - What to do for College Financing?

OP, 1) How old are you? 2) How old are your kids? Why do you need to save for college education? Your annual savings is 48K per year. If you keep this up for 10+ years, you have your retirement fully funded . You could pay your children's college education from your annual savings. Especially if yo...
by TxAg
Tue Feb 07, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5323

Re: Hardwood floors vs Wood Look Tile?

Purely option, but I'm convinced that wood look tile is going to look cheesy and dated 20 years from now, while true hardwood has been classy for 100+ years. Your location, and type of home will probably be the deciding factor. I agree. I love tile that looks like tile and wood that looks like wood.
by TxAg
Sat Feb 04, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help with sudden death of young father Re: SS
Replies: 10
Views: 1687

Re: Help with sudden death of young father Re: SS

I believe she will be eligible for a monthly survivor benefit for each child until age 18 provided the husband had accumulated sufficient credits in social security. I am not sure what these limits are for the survivor benefit. She may also be eligible for a survivor benefit if she is caring for th...
by TxAg
Thu Feb 02, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 54
Views: 3006

Re: Pet insurance for new puppy

I don't pay for it. But, then again, my dog gets Ivermectin for heartworm preventative (sold online), and I buy her annual shots from the local Tractor Supply. Flea/Tick preventative is generally bought from Amazon. She goes to the vet about once every other year for something small, and it is aroun...
by TxAg
Sat Jan 28, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Best Places to Live in US?
Replies: 123
Views: 11269

Re: Best Places to Live in US?

I was reading today and Flagstaff, AZ struck my fancy.
by TxAg
Tue Jan 24, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Best Places to Live in US?
Replies: 123
Views: 11269

Re: Best Places to Live in US?

^^^ you would know better than me, a lifelong TX resident :)

I would take that over these summers, though. I'm tired of the heat!
by TxAg
Tue Jan 24, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Best Places to Live in US?
Replies: 123
Views: 11269

Re: Best Places to Live in US?

Austin is over hyped. It's just ok. I'd rather live in Ft. Worth.


I like the idea of something in the foothills of the Rockies. Outdoor exercise, hunting, hiking, craft beer, 4 seasons, and not overly populated.
by TxAg
Mon Jan 23, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Subaru + Mazda
Replies: 44
Views: 4342

Re: Subaru + Mazda

We ordered a 2017 Outback this summer and bought it at invoice
by TxAg
Mon Jan 23, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Finances and Signficant Other/Future finances
Replies: 18
Views: 1778

Re: Finances and Signficant Other/Future finances

Every couple is different, but we put all out cards on the table before we were married. We already had a pretty good idea on who had/owed what before we were engaged.

We were under 30 and it was our first marriage so no prenup...we just looked at (still do) as one big pot.
by TxAg
Mon Jan 23, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Jackson Hole in July?
Replies: 13
Views: 1548

Re: Jackson Hole in July?

Underneath the Mangy Moose in Teton Village is a little restaurant with the best oatmeal pancakes I've had.
by TxAg
Sun Jan 22, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Selling diamond engagement ring
Replies: 40
Views: 4748

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: 5808

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: 2444

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: 4187

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: 834

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: 834

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: 834

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: 834

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: 834

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: 834

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: 834

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: 32
Views: 3012

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: 32
Views: 3012

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: 7522

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: 29397

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: 29397

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: 7066

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: 1230

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: 2506

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: 2748

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: 176
Views: 13564

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: 3284

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: 6900

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: 3902

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: 12047

Re: Back to Med School - Financially Worth It?

Henry, thanks for updating us. I enjoyed reading your reply.

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