Search found 983 matches

by TxAg
Sun Apr 23, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 39
Views: 3982

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: 31
Views: 2151

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: 3435

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: 4536

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: 2436

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 "Goodby."
Replies: 310
Views: 28539

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: 7536

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: 4876

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: 1351

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: 10649

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: 1329

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: 3876

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: 1171

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: 3100

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: 3100

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: 2864

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: 4557

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: 290
Views: 36953

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: 946

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: 2116

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: 2291

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: 290
Views: 36953

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: 3387

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: 3387

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: 4039

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: 8825

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: 7345

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: 5578

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: 1159

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: 716

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: 3393

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: 16224

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: 120316

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: 2265

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: 3683

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: 4864

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: 7296

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: 1639

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: 7296

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: 7296

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: 6562

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: 9273

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: 6562

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: 5832

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: 1750

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: 3273

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...

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