Search found 696 matches

by TxAg
Sat Feb 06, 2016 2:03 pm
Forum: Personal Consumer Issues
Topic: Sell truck and buy SUV?
Replies: 18
Views: 1158

Re: Sell truck and buy SUV?

I miss my truck. I have a Ford Explorer work vehicle that I can use 24/7...so I sold my half ton crew cab GMC. I miss having a truck, but can't justify the cost. If I ever change jobs or retire, I'll have a 4x4 truck. In the meantime, I manage without it. If you. An swing it financially, I'd stay in...
by TxAg
Sat Feb 06, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Grandson working for me-Child labor law?
Replies: 35
Views: 1747

Re: Grandson working for me-Child labor law?

Can you just pay him cash under the table? I did a lot of odd jobs and mowing for grandparents and their elderly neighbors growing up...always cash.
by TxAg
Fri Feb 05, 2016 8:57 pm
Forum: Investing - Theory, News & General
Topic: If SS covers expenses why invest?
Replies: 64
Views: 4301

Re: If SS covers expenses why invest?

Special circumstances require special solutions. In our case, once I/wife start our (age 70) SS in two years, we will need to draw less than 1% (actually a percentage that can hardly be measured), with the intent to have our joint investments grow over the time we still are allowed to be left on ea...
by TxAg
Thu Feb 04, 2016 9:34 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 91
Views: 4547

Re: Sibling's destination wedding?

My take is this: Do what you want and don't feel bad about it.

That goes for both parties.

If the couple wants a destination wedding, then great. If you don't want to go, then great. Nobody should get bent out of shape regardless of what transpires.
by TxAg
Wed Feb 03, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: What do you pay per year for daycare?
Replies: 33
Views: 1216

Re: What do you pay per year for daycare?

About the same here in Dallas
by TxAg
Tue Feb 02, 2016 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody budget for daycare like it is college?
Replies: 54
Views: 3253

Re: Anybody budget for daycare like it is college?

Right there with you. We have number two due in June so we'll have 3 years of overlap in daycare before our oldest starts public school. I will say, we really really like our day school program and we luckily get a discount....but it is still very expensive. It makes financial and logistic sense, th...
by TxAg
Sun Jan 31, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: What age does LBYM (being a big saver) pay off?
Replies: 81
Views: 9782

Re: What age does LBYM (being a big saver) pay off?

Interesting replies. Tuned in for more.
by TxAg
Sun Jan 24, 2016 9:11 pm
Forum: Personal Consumer Issues
Topic: Is Nitrogen better than air?
Replies: 86
Views: 9770

Re: Is Nitrogen better than air?

I dated a girl about 8 yrs ago who showed up at my place with new blue valve stem caps on her Jeep Cherokee. I asked her what was up, and she said she had it serviced and paid an extra $100 for Nitrogen in the tires. I told her (nicely) that it was a waste of money. She looked at me like I was an id...
by TxAg
Sun Jan 24, 2016 9:04 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 207
Views: 10508

Re: Do you pay for exercise?

I used to. I was single and went most days.

Now married with kids, free is the way to be.
by TxAg
Sun Jan 24, 2016 8:55 pm
Forum: Personal Consumer Issues
Topic: What was your biggest unexpected home expense?
Replies: 87
Views: 7079

Re: What was your biggest unexpected home expense?

Similar to the OP we had a near $5k sewer line replacement in our second year in our home.
by TxAg
Fri Jan 22, 2016 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for retirement vs. college
Replies: 15
Views: 1206

Re: Investing for retirement vs. college

Tagged for later.

Similar situation at similar age.
by TxAg
Mon Jan 11, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Heavy Lifting Job: $60/hr nights or $75/hr weekends?
Replies: 34
Views: 3781

Re: Heavy Lifting Job: $60/hr nights or $75/hr weekends?

I vote weekends.

Curious what kind of job we're talking about.
by TxAg
Sat Nov 14, 2015 4:14 pm
Forum: Personal Consumer Issues
Topic: we have a [feral or stray] cat - need help
Replies: 67
Views: 4287

Re: we have a cat - need help

I'm a dog person and don't care for cats that roam. However, you could probably get a small "doghouse" with some warm blankets/bed for the cat and it will be perfectly fine outside with regular food and water. It will most likely hurt the songbird populaton but you probably won't have to w...
by TxAg
Fri Nov 13, 2015 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Worst night of my life [personal loan or cash out IRA to pay gambling debt]
Replies: 126
Views: 10918

Re: Worst night of my life [personal loan or cash out IRA to pay gambling debt]

All specualtion on my part, but it seems to me like you got hoodwinked.

Maybe I watch too many movies, though.
by TxAg
Thu Nov 12, 2015 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: How's fidelity 401k?
Replies: 11
Views: 1122

Re: How's fidelity 401k?

I like mine.
by TxAg
Thu Nov 05, 2015 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Experience with HSA through ACS/Mellon
Replies: 2
Views: 232

Re: Experience with HSA through ACS/Mellon

Thank you

I could live with Vanguard Total Market
by TxAg
Thu Nov 05, 2015 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Experience with HSA through ACS/Mellon
Replies: 2
Views: 232

Experience with HSA through ACS/Mellon

I am deciding if it makes sense this year to take advantage of my employer's HSA program. Insurance is through Blue Cross Blue Shield and the HSA is administered through ACS/Mellon. Before I run the numbers any further, I am interested if anyone has experience (good or bad) with ACS/Mellon? A quick ...
by TxAg
Wed Nov 04, 2015 9:35 am
Forum: Personal Consumer Issues
Topic: Low-cost and low-maintenance hobbies?
Replies: 69
Views: 6854

Re: Low-cost and low-maintenance hobbies?

Shooting

You can rent a gun at many ranges. Bullets are relatively cheap.

If you like it, you can always buy one. You can spend a little or a lot.
by TxAg
Mon Nov 02, 2015 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Sell Dallas Rental Condo?
Replies: 16
Views: 1354

Re: Should I Sell Dallas Rental Condo?

I don't like hassles. I would probably sell while the getting is good.
by TxAg
Fri Oct 23, 2015 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Can I change careers? How marketable am I?
Replies: 5
Views: 905

Re: Can I change careers? How marketable am I?

You could do sales for companies that sell into water/waste water plants. Lots of that here in TX.... And you'd have the technical piece down. You could hit your salary mark if business is good. You could maybe double that if you become a manager.
by TxAg
Fri Oct 23, 2015 6:46 pm
Forum: Personal Consumer Issues
Topic: I bought a new (used) car and already having an issue
Replies: 111
Views: 7317

Re: I bought a new (used) car and already having an issue

I had a car that would often get rust in the brake area. This would cause a grinding noise even on new brake pads and new rotors and went away after some time. It came back once after the vehicle was sitting unused for a couple weeks. Consider that this car may have been sitting for some time outdo...
by TxAg
Fri Oct 23, 2015 3:32 pm
Forum: Personal Consumer Issues
Topic: Guilty pleasures?
Replies: 123
Views: 11989

Re: Guilty pleasures?

I lease land to hunt on. When we aren't hunting we like to grill steaks and drink beer. It's a mini vacation with some action thrown in the mix. There is the occasional new toy (gun, compound bow, longbow) every so often. However, if one comes in, one goes out. That helps to minimize costs. My wife ...
by TxAg
Fri Oct 23, 2015 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: At what point did you and your spouse COMBINE your finances (or did you?)
Replies: 53
Views: 3448

Re: At what point did you and your spouse COMBINE your finances (or did you?)

basspond wrote:Within a month of getting married. Made life a whole lot simpler but we were both savers from day one.



this pretty much sums it up for me
by TxAg
Fri Oct 23, 2015 12:39 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback - air conditioning
Replies: 32
Views: 2182

Re: Subaru Outback - air conditioning

^^^ yep, we've had 8" in just the last 24 hrs here. This is after almost 4 months of no rain. We had record amounts last April/May as well. Not to mention a few snow/ice days each year.
by TxAg
Fri Oct 23, 2015 12:13 pm
Forum: Personal Consumer Issues
Topic: Total Wine Store
Replies: 27
Views: 1695

Re: Total Wine Store

The craft beer that is $8.99 or $9.99 at other stores is $5.99 or $6.99 at Total Wine. I'm a fan.

Plus, the closest one to me is next to a Babies R Us. Makes for an easy trip.
by TxAg
Thu Oct 22, 2015 7:50 pm
Forum: Personal Consumer Issues
Topic: [visiting] Austin, TX
Replies: 22
Views: 1942

Re: Austin, TX

gatorman wrote:I Don't have any suggestions of where to stay, but I do have a suggestion on where to eat. Franklin barbecue.


Yep, it's good

Another place is La BBQ and has a shorter wait.

OP may also want to check out Fredericksburg,...a lot of B&B's out that way.
by TxAg
Tue Oct 20, 2015 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: What are your 2 retirement numbers?
Replies: 260
Views: 24973

Re: What are your 2 retirement numbers?

Depends on my age. Roughly...

$4mm in my 30's
$3mm in my 40's
$2mm in my 50's
by TxAg
Mon Oct 19, 2015 6:51 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback - air conditioning
Replies: 32
Views: 2182

Re: Subaru Outback - air conditioning

According to Google: 2.5i(Base Model) -$24,995 2.5i Premium -$27,395 2.5i Limited - $30,395 I mean it depends on the dealer but you can expect the "difference" in prices in trim to be about the same. I ordered the base model so it was a $5400 difference for me. But even the $3000 differen...
by TxAg
Mon Oct 19, 2015 4:36 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback - air conditioning
Replies: 32
Views: 2182

Re: Subaru Outback - air conditioning

CyberBob wrote:If you don't get the rear vents, I know several people who are using Noggles for backseat and rear cargo-area cooling and are happy (in Arizona/New Mexico summers).
http://www.nogglenation.com



The kids would love that. Thanks.
by TxAg
Mon Oct 19, 2015 3:08 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback - air conditioning
Replies: 32
Views: 2182

Re: Subaru Outback - air conditioning

If it's really hot out, just start the car a few minutes before you leave and let it cool off. That is what we have always done at my house. And take a bottle of cold water with us. And good old fashion rolling the windows down lets the hot air out. I wouldn't get the Limited. Leather seats + heat ...
by TxAg
Mon Oct 19, 2015 2:51 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback - air conditioning
Replies: 32
Views: 2182

Re: Subaru Outback - air conditioning

^^^ i don't mind ordering. We aren't in a hurry. Thanks
by TxAg
Mon Oct 19, 2015 2:32 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback - air conditioning
Replies: 32
Views: 2182

Re: Subaru Outback - air conditioning

We have a limited Outback with the rear vents, and they definitely make a difference in the backseat, especially with a baby in the back. The navigation is optional on the limited edition, and we didn't get it. When I evaluated all the options the limited comes with, and the minor price upgrade, we...
by TxAg
Mon Oct 19, 2015 1:36 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback - air conditioning
Replies: 32
Views: 2182

Subaru Outback - air conditioning

For those of you that drive late model Outbacks, do you find the rear a/c vents to be a necessity? This question probably only applies to warmer climates. We are in TX...the summers are HOT and we have young kids (infant/toddler). I like the Premium package (plus safety upgrades) but it is only avai...
by TxAg
Sun Oct 18, 2015 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Is there an ideal age to retire?
Replies: 137
Views: 11368

Re: Is there an ideal age to retire?

33 seems about right :sharebeer

I wish
by TxAg
Fri Oct 16, 2015 9:52 pm
Forum: Personal Consumer Issues
Topic: Experience with 2014-16 Hyundai Santa Fe?
Replies: 14
Views: 1519

Re: Experience with 2014-16 Hyundai Santa Fe?

We test drove one today. We liked it but didn't live it. Perhaps it was the unknowledgable salesman. It is still on the list for now, though. Surpisingly, we prefer the Sport over the original as we felt the third row was useless and we would rather have the cargo space for less $$$. On a side note,...
by TxAg
Fri Oct 16, 2015 7:44 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead [game] hunters?
Replies: 18
Views: 1219

Re: Any Boglehead [game] hunters?

I like to hunt...a lot :) The ballistics betwen a 30.06 and .308 are nearly identical. A .270 is a great choice as well. With bullet choices these days, you'd be fine with any of the three. Regarsing used, I've bought and sold mnay used guns. It takes A LOT of shooting to wear out a gun. Most people...
by TxAg
Thu Oct 15, 2015 5:31 pm
Forum: Personal Consumer Issues
Topic: Do you prefer pulling a trailer with your car, or a car with your RV?
Replies: 50
Views: 3605

Re: Do you prefer pulling a trailer with your car, or a car with your RV?

I like tent camping out of a truck, but we rented a 32' RV this spring and drove a few thousand miles in it over the course of 8 days. We did not have a tow vehicle. It was nice! I liked having a self contained unit and not having to worry about towing or backing up an attached unit (although it isn...
by TxAg
Thu Oct 15, 2015 7:29 am
Forum: Personal Consumer Issues
Topic: Experience with 2014-16 Hyundai Santa Fe?
Replies: 14
Views: 1519

Re: Experience with 2014-16 Hyundai Santa Fe?

Good to hear. Thanks guys.
by TxAg
Wed Oct 14, 2015 4:55 pm
Forum: Personal Consumer Issues
Topic: Experience with 2014-16 Hyundai Santa Fe?
Replies: 14
Views: 1519

Experience with 2014-16 Hyundai Santa Fe?

As we move from one kiddo to two, we are considering replacing my wife's 2007 Jetta with a Hyundai Santa Fe....preferably used but considering new. I am in the process of doing some digging but thought I would post here in the meantime for some boglehead feedback. This vehicle will be a daily driver...
by TxAg
Fri Oct 09, 2015 8:29 am
Forum: Personal Consumer Issues
Topic: Tipping at a Barbershop
Replies: 54
Views: 4419

Re: Tipping at a Barbershop

I tip $4 on a $12 cut. Took me a long tome to find a good, inexpensive barber in the big city.
by TxAg
Sun Sep 27, 2015 7:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead-recognizable wearing apparel?
Replies: 24
Views: 3061

Re: Boglehead-recognizable wearing apparel?

How bout pinning a blue ribbon to your shirt?
by TxAg
Fri Sep 25, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: National Prescription Drug Take Back Day - Saturday
Replies: 6
Views: 514

Re: National Prescription Drug Take Back Day - Saturday

I've seen notices for this in our neighborhood. I usually just toss old medication down the toilet or in the trash. Should I reconsider?
by TxAg
Sun Sep 20, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: What are your best time-savers?
Replies: 108
Views: 12510

Re: What are your best time-savers?

I'm surprised at all the users that use autopay. I always like to review my bills before paying. I've had a few disputes here and there.
by TxAg
Thu Sep 17, 2015 10:02 am
Forum: Personal Consumer Issues
Topic: What are your best time-savers?
Replies: 108
Views: 12510

Re: What are your best time-savers?

^^^ yeah, I call that a glass, too.
by TxAg
Thu Sep 17, 2015 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else get phone calls from Fidelity?
Replies: 38
Views: 2555

Re: Anybody else get phone calls from Fidelity?

A couple months ago I sold $5k out of my taxable acct. The next week I got a call from them to "check in"...I assured them I had it all under control and that was that. Not a bad experience by any means.
by TxAg
Tue Sep 15, 2015 11:35 am
Forum: Personal Consumer Issues
Topic: What are your best time-savers?
Replies: 108
Views: 12510

Re: What are your best time-savers?

a beard.

now i don't have to shave every morning.
by TxAg
Tue Sep 15, 2015 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Road trip: rent a mini-van or take my own?
Replies: 21
Views: 1818

Re: Road trip: rent a mini-van or take my own?

Why buy a van if not to use it?

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