Search found 764 matches

by TxAg
Sun May 22, 2016 8:26 pm
Forum: Personal Consumer Issues
Topic: Leather conditioner
Replies: 3
Views: 451

Re: Leather conditioner

Thanks. Gona try the Lexol. It's a $6 add on for an Amazon order I was gona place anyway.
by TxAg
Sun May 22, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Leather conditioner
Replies: 3
Views: 451

Leather conditioner

For boots and leather hunting products, I use Sno Seal. However, I am looking for a leather conditioner in spray form... I have a new leather computer bag. It's a distressed look, and I would like to darken it up and seal it using a spray. I could use the Sno Seal, but it would take more time and fi...
by TxAg
Sat May 21, 2016 6:28 am
Forum: Personal Finance (Not Investing)
Topic: I got a home loan from Wells Fargo ; should I shop around?
Replies: 20
Views: 1410

Re: I got a home loan from Wells Fargo ; should I shop around?

As a related question that could help the OP, are those ads on TV for places like CashCall and RocketMortgage/QuickenLoans any good? I can only speak about Quicken. I inquired with them in April as well as several other lenders. Amerisave and PenFed were light years ahead of Quicken in customer ser...
by TxAg
Fri May 20, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Due Date
Replies: 16
Views: 1469

Re: Credit Card Due Date

I set mine for the end if the month...so the 28th.
by TxAg
Fri May 20, 2016 6:35 am
Forum: Personal Consumer Issues
Topic: Best credit card deal
Replies: 58
Views: 3789

Re: Best credit card deal

I just switched from Chase Freedom to Chase Freedom Unlimited (1.5% cash back). I received a $150 bonus and another $25 for adding my wife. Then, a few weeks later I noticed Fidelity's 2% cash back card. I don't travel enough to warrant the Southwest card but I have friends who use and love theirs.
by TxAg
Wed May 18, 2016 9:51 pm
Forum: Personal Consumer Issues
Topic: Dark wood tile floors (not real wood)
Replies: 10
Views: 1032

Re: Dark wood tile floors (not real wood)

I love the concept and feel of the wood looking tile. Personally speaking, we have original hardwoods (60 yrs old) and they are stained very dark. I like (prefer) the look but the floors do show dust easily.
by TxAg
Wed May 18, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Why the Low Quantitative Score on the GMAT?
Replies: 26
Views: 1622

Re: Why the Low Quantitative Score on the GMAT?

This thread makes me a feel a little better. I took it about 12 yrs ago. I was low 90s percentile Verbal and 50 something percentile Math. I've always felt I was better at reading comprehension and writing than I was at math but didn't think I was "bad" at math. Only hitting the 50s realy ...
by TxAg
Tue May 17, 2016 8:58 pm
Forum: Personal Consumer Issues
Topic: garden hose
Replies: 29
Views: 1751

Re: garden hose

I have two "Never Kinks"

Bought them both at Lowes but I've seen them on Amazon and Target. They are the bees knees.
by TxAg
Mon May 16, 2016 10:24 pm
Forum: Personal Consumer Issues
Topic: College - In state - Children staying close to parents
Replies: 54
Views: 2613

Re: College - In state - Children staying close to parents

It kind of depends on the state. On average, young people in most professions tend to gravitate towards the largest urban areas in the region. The cities big enough for major league sports. If those are in your state then the kids are more likely to stay nearby. For example, kids who grow up in Tex...
by TxAg
Thu May 12, 2016 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Career ambitions, life changes
Replies: 18
Views: 3190

Re: Career ambitions, life changes

Our kiddo didn't sleep much the first year. I was thankful for the slow days at work. We have number two due soon, and though I'm a bit busier now, not much has changed. However, I am thankful that I'm now more knowledgable, better positioned, and more seasoned at work. It makes it easier to split m...
by TxAg
Wed May 11, 2016 9:15 pm
Forum: Investing - Theory, News & General
Topic: Dough Roller by Rob Berger, 100th Podcast
Replies: 6
Views: 1413

Re: Dough Roller by Rob Berger, 100th Podcast

I started listening about a month ago. I druve a lot for work so I've been knocking out several a week. Really enjoy it. Thanks.
by TxAg
Wed May 11, 2016 6:34 pm
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 6868

Re: 30 minute commute?

My wife's commute is 10-15 minutes and that's only because of some stoplights. She's about 5 miles from work. My commute just depends. I am in sales so I rarey uave to be in the office. I typically time traffic so it isn't a big hassle. Our commute times were definitely a big factor in where we deci...
by TxAg
Mon May 09, 2016 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: New house or Early Retirement?
Replies: 22
Views: 2682

Re: New house or Early Retirement?

Moving is a pain :) I'd stay and take lots of lake vacations
by TxAg
Sun May 08, 2016 9:39 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to SC or TX
Replies: 31
Views: 3246

Re: Thinking of moving to SC or TX

Wow. Great information from everyone! We are going to adjust our upcoming trip to the Carolinas based on your feedback (nix Columbia, spend some more time in NC). As far as TEXAS, we are attracted to two areas so far: 1. Hill Country/San Antonio/Austin 2. Houston area Just how bad is the traffic? I...
by TxAg
Sun May 08, 2016 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Check Cashing Places?
Replies: 5
Views: 659

Check Cashing Places?

Why do people use these instead of just getting a checking account at a bank? Had a weird issue this weekend with a guy which is why I ask. I also know a 30 something girl that cashes all her checks at the quickie mart. These aren't illegals... These are people who are born in the US. One is ex mili...
by TxAg
Sat May 07, 2016 2:10 pm
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10190

Re: Is buying organic really that expensive?

This is a fun thread. Subscribed
by TxAg
Fri May 06, 2016 8:37 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 13809

Re: how much cash do you carry in your wallet?

I try to keep $0 in my wallet.
by TxAg
Thu May 05, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 79
Views: 4255

Re: Do you check credit card statements?

I check every month

The only thing i've caught is a waitress adding an extra $20 tip to a bar tab.
by TxAg
Mon May 02, 2016 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Preferred
Replies: 41
Views: 3970

Re: Chase Sapphire Preferred

I don't fly enough to warrant the Sapphire so I just switched from Chase Freedom to Chase Freedom Unlimited. I use my cc for work (and home) and then get reimbursed. I spend around $60k/yr. I also got $175 in bonus the first month.
by TxAg
Mon May 02, 2016 6:10 pm
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 46
Views: 4701

Re: Just called Directv and saved $600 for one year

I have Uverse but need to do the dame thing
by TxAg
Sat Apr 30, 2016 8:00 am
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 7100

Re: So, are Bogleheads Bourbon or Scotch drinkers?

I wish I liked them but never acquired a taste for either. I stick to beer and the occasional wine. Enjoying the thread.
by TxAg
Sat Apr 30, 2016 7:27 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 453
Views: 49052

Re: High Earners - What's Your Profession?

lomichele wrote:I work in finance, at least high enough and skilled enough to get a chuckle at what some folks post here on the forum. 24 years old. Graduated from college a year and a half ago. This year I'll break your threshold of "high earner".



Wow...smart and humble.
by TxAg
Thu Apr 28, 2016 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Young Male Living with Parents
Replies: 83
Views: 4668

Re: Young Male Living with Parents

Socially, no complaints. Good-looking girlfriend and lots of friends. Go out every Friday and Saturday night. Take vacations regularly. Attend sporting events. No issues there. Then another year or two at home shouldn't hurt anything. Nobody wants to be 30 living at home, though....well except my u...
by TxAg
Wed Apr 27, 2016 2:07 pm
Forum: Personal Consumer Issues
Topic: Pea gravel as paver patio alternative
Replies: 28
Views: 2495

Re: Pea gravel as paver patio alternative

Here's another thought. How about large flat slabs of stone infilled with pea gravel? That's what we did for a hugely wide walkway that traverses the side of our house, and it works perfectly. The slabs more or less keep the pea gravel in place, and the contrast between the yellowish stones and dar...
by TxAg
Wed Apr 27, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Pea gravel as paver patio alternative
Replies: 28
Views: 2495

Re: Pea gravel as paver patio alternative

As a post above mentions, use decomposed granite
by TxAg
Wed Apr 27, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: BH Way of Landscaping?
Replies: 42
Views: 3705

Re: BH Way of Landscaping?

I've adopted it as one of my hobbies. Our yard looks pretty good right now.
by TxAg
Fri Apr 22, 2016 9:18 pm
Forum: Personal Consumer Issues
Topic: How To Stay Motivated in Employment When You Might Have Enough?
Replies: 71
Views: 8710

Re: How To Stay Motivated in Employment When You Might Have Enough?

Have you seen the movie, "Office Space"?


Sit down with a couple beers and watch it :sharebeer
by TxAg
Wed Apr 20, 2016 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Why am I still scared ? Is it actually normal ?
Replies: 59
Views: 6956

Re: Why am I still scared ? Is it actually normal ?

Some people don't experience much pleasure from consumption, or find it painful. If you hand me $500, I will probably invest most of it. It took me a month to negotiate the price of the my current car, which I bought 9 years ago. It's not that the money I saved made a real difference to me, it's th...
by TxAg
Wed Apr 20, 2016 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot Pay Huge Tax Burden
Replies: 107
Views: 9055

Re: Cannot Pay Huge Tax Burden

yellowgirl wrote:There is a difference between cannot pay and don't want to pay.


+1
succinct and to the point
by TxAg
Sun Apr 17, 2016 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: How can we buy our dream home in S. California? (Military)
Replies: 24
Views: 1932

Re: How can we buy our dream home in S. California? (Military)

Good luck on whatever you decide. A few acres and a giant garden sounds great.


Thank you for your service.
by TxAg
Sun Apr 17, 2016 7:03 am
Forum: Personal Finance (Not Investing)
Topic: How can we buy our dream home in S. California? (Military)
Replies: 24
Views: 1932

Re: How can we buy our dream home in S. California? (Military)

You could find the house and acreage in TX for half the price.
by TxAg
Thu Apr 14, 2016 10:23 pm
Forum: Personal Consumer Issues
Topic: Tree swing questions
Replies: 15
Views: 800

Re: Tree swing questions

Squirrels chew rope. They don't chew chain.

I used chain on my daughter's swing in the front yard and prefer it for deer stands as well (ladder stands). I know it isn't always feasible, but it makes me feel better.
by TxAg
Wed Apr 13, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: Where to buy athletic socks and boxers online?
Replies: 11
Views: 1239

Re: Where to buy athletic socks and boxers online?

I like tjmaxx or marshalls for socks but generally buy exofficio boxer briefs online. However, for the price, I think exofficio's quality has gone way, way down. I'm searching for an alternative. The waistband elastic has a very short life
by TxAg
Tue Apr 12, 2016 8:56 pm
Forum: Personal Consumer Issues
Topic: Kid/baby Thermometer recomendation
Replies: 9
Views: 572

Re: Kid/baby Thermometer recomendation

We were gifted an exergen temporal scanner at the baby shower. I hate it. Like really hate it.

We use a cheap $10 rectal now. Works well for our kids (2 yr old and another due soon). We'll go to something else when they are a bit older.
by TxAg
Tue Apr 12, 2016 8:36 am
Forum: Personal Finance (Not Investing)
Topic: First time home buyer - Can I afford this home?
Replies: 38
Views: 3525

Re: First time home buyer - Can I afford this home?

I think you can do it but it will be quite the stretch. Your monthly housing payment will take up an entire paycheck, leaving you one bi weekly paycheck to pay for every other expense that month. For reference, Me and my wife are 4 years older than you and your wife and also live in TX. I make a ve...
by TxAg
Mon Apr 11, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Easy way to estimate grade (steepness) of a drive?
Replies: 16
Views: 1299

Re: Easy way to estimate grade (steepness) of a drive?

Rise over run. You can get a free altimeter app on your iphone.
by TxAg
Sun Apr 10, 2016 8:32 pm
Forum: Personal Consumer Issues
Topic: Honda Odyssey
Replies: 41
Views: 3355

Re: Honda Odyssey

Thanks for the comments
by TxAg
Sat Apr 09, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: Honda Odyssey
Replies: 41
Views: 3355

Honda Odyssey

They get pretty good reviews. If you have experience with one, how do you like it? I understand that a new model is coming out for 2017. They are starting to make deals on the 2016s from the little bit of checking around that I've done. Family of 4 with a medium sized dog Please share your experienc...
by TxAg
Thu Apr 07, 2016 10:57 pm
Forum: Personal Consumer Issues
Topic: Dallas suburbs or Northern Virginia for me?
Replies: 87
Views: 5728

Re: Dallas suburbs or Northern Virginia for me?

If you come to TX, I'll buy you a beer
by TxAg
Thu Apr 07, 2016 8:06 am
Forum: Personal Consumer Issues
Topic: Dallas suburbs or Northern Virginia for me?
Replies: 87
Views: 5728

Re: Dallas suburbs or Northern Virginia for me?

I'd scratch Carrollton off the list. Grapevine is nice. Many parts of Plano are nice. You might also consider around Whiterock Lake...especially as a single person. This would be my first choice. Lots of green space and plenty of restaurants and night life. You can definitely find something $250k-$3...
by TxAg
Mon Apr 04, 2016 8:32 pm
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 7229

Re: Five Best National Parks to Visit?

I have rarely been to a national park without meeting some Germans visiting it. I don't know the exact reason, but Germans love our national parks. In Washington I loved Mt Rainier and the Olympic mountains. In Oregon I loved Crater Lake. The Western United States is very, very large. Plan your tra...
by TxAg
Mon Apr 04, 2016 9:41 am
Forum: Personal Consumer Issues
Topic: Breaking concrete
Replies: 42
Views: 3373

Re: Breaking concrete

You mentioned 20'...is this area 20 square feet or is it 20'x20' or something in between?

I commented earlier about using a sledge. That's fine for 20 sf. For 20'x20', I'd rent something more powerful.
by TxAg
Sun Apr 03, 2016 9:02 pm
Forum: Personal Consumer Issues
Topic: Breaking concrete
Replies: 42
Views: 3373

Re: Breaking concrete

I did something similar last year with an 8# sledgehammer w/Hickory handle (don't like fiberglass handles). Make sure you wear safety glasses. It was no big deal. Once it starts to break apart, the job goes quickly.
by TxAg
Fri Apr 01, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 7229

Re: Five Best National Parks to Visit?

Zion and Glacier are my favorites. Big Bend is special, too.
by TxAg
Thu Mar 31, 2016 10:33 pm
Forum: Personal Consumer Issues
Topic: Bro Trip suggestions?
Replies: 58
Views: 3958

Re: Bro Trip suggestions?

I second the Big Bend trip...epic area and incredible opportunity to spend quality time together. The state park inside the national park is a true step back in time...like thousands of years...and cell phones don't work...big plus. Also... The stargazing is off the charts. Least light polluted pla...
by TxAg
Wed Mar 30, 2016 7:34 am
Forum: Personal Consumer Issues
Topic: Bro Trip suggestions?
Replies: 58
Views: 3958

Re: Bro Trip suggestions?

You could look into Lajitas Golf Resort and hiking Big Bend National Park. There is an airport near Lajitas so it's doable. That is a really cool part of the world and if you liked Zion, I think you'd like Big Bend.
by TxAg
Tue Mar 29, 2016 8:38 am
Forum: Personal Consumer Issues
Topic: Battling Deer Ticks, Opinions Sought
Replies: 66
Views: 4381

Re: Battling Deer Ticks, Opinions Sought

Chickens will help a lot.
by TxAg
Thu Mar 17, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29; stay in smaller house or buy a bigger house?
Replies: 44
Views: 4196

Re: Age 29; stay in smaller house or buy a bigger house?

We have a 2 year old and one on the way plus a 55# dog in a 1700 sf 3/2. The space isn't an issue. We like our small house, and it keeps us from collecting a bunch of junk. We try to maximize space and stay efficient. The only real issue I have is that our house is loud...pier and beam plus origina...
by TxAg
Thu Mar 17, 2016 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Age 29; stay in smaller house or buy a bigger house?
Replies: 44
Views: 4196

Re: Age 29; stay in smaller house or buy a bigger house?

We have a 2 year old and one on the way plus a 55# dog in a 1700 sf 3/2. The space isn't an issue. We like our small house, and it keeps us from collecting a bunch of junk. We try to maximize space and stay efficient. The only real issue I have is that our house is loud...pier and beam plus original...

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