Search found 2534 matches

by texasdiver
Sat Aug 18, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Pop up tent camper
Replies: 23
Views: 2433

Re: Pop up tent camper

Former pop-up owner here. Had a Fleetwood Arcadia (3500 lbs) that I towed with both a Toyota Sienna and later a Toyota Highlander with zero issues. Probably towed it 10,000 miles including over the Rockies over an 8 year period. First, the alarm here about towing with a CR-V or RAV-4 is way overstat...
by texasdiver
Fri Aug 17, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 7167

Re: Retire in Florida or Alabama?

https://www.wsj.com/articles/climate-fears-reshape-miamis-housing-market-1524225600 It appears seal level rise - or the fear of a rise - is already impacting RE values in Florida. IMO it would be silly to ignore this risk which is increasingly being realized near term, not 50 years from now. It doe...
by texasdiver
Tue Aug 14, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: What's a good way to calculate when I have won the game??
Replies: 23
Views: 4375

Re: What's a good way to calculate when I have won the game??

I find it curious that you are counting on your inflation-adusted pension and cheap medical coverage as guaranteed but not social security when they all come from the same source. I know we are to avoid politics here but seems to me that any crisis severe enough to collapse social security would al...
by texasdiver
Tue Aug 14, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: What's a good way to calculate when I have won the game??
Replies: 23
Views: 4375

Re: What's a good way to calculate when I have won the game??

I find it curious that you are counting on your inflation-adusted pension and cheap medical coverage as guaranteed but not social security when they all come from the same source. I know we are to avoid politics here but seems to me that any crisis severe enough to collapse social security would al...
by texasdiver
Tue Aug 14, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: What's a good way to calculate when I have won the game??
Replies: 23
Views: 4375

Re: What's a good way to calculate when I have won the game??

I find it curious that you are counting on your inflation-adusted pension and cheap medical coverage as guaranteed but not social security when they all come from the same source. I know we are to avoid politics here but seems to me that any crisis severe enough to collapse social security would al...
by texasdiver
Mon Aug 13, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: Dealing with Impatience reaching financial goals
Replies: 35
Views: 4952

Re: Dealing with Impatience reaching financial goals

Figure out how to mentally cheer when the stock market goes DOWN. I learned to do this during 2000 and 2008. If you are still in the accumulation stage then every bit the stock market drops gives you the advantage of buying at a discount. You don't need it to actually go back up until 30+ years from...
by texasdiver
Mon Aug 13, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: What's a good way to calculate when I have won the game??
Replies: 23
Views: 4375

Re: What's a good way to calculate when I have won the game??

I find it curious that you are counting on your inflation-adusted pension and cheap medical coverage as guaranteed but not social security when they all come from the same source. I know we are to avoid politics here but seems to me that any crisis severe enough to collapse social security would als...
by texasdiver
Mon Aug 13, 2018 7:05 pm
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3218

Re: Offering 401k Advice to my coworkers?

As others have emphatically said, not your place to do this. If you do want to get mixed up with investing at the workplace, do something like form your own investing club on facebook or some other setting outside the company's electronic or physical walls and invite people to join you. My co-worker...
by texasdiver
Mon Aug 13, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: brother laser printer--OEM or 3rd party cartridges
Replies: 13
Views: 702

Re: brother laser printer--OEM or 3rd party cartridges

I have a Brother. When the OEM cartidges ran out I switched to some cheaper 3rd party ones on Amazon that had good reviews. I haven't been impressed. Black is OK but there is some running and splotching when printing color. It isn't annoying enough to toss them out now but next time around when I re...
by texasdiver
Sun Aug 12, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3279

Re: Cleaning gas grill

I have no idea if I am doing things correctly. When my grates get nasty beyond what burning off the food and scraping will handle I sometimes pull them off and toss them in the dishwasher along with any additional small parts like drip pans that will fit into the dishwasher. When the rest of the gri...
by texasdiver
Mon Aug 06, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Retire Internationally for FIRE
Replies: 94
Views: 12338

Re: Retire Internationally for FIRE

Not to get too off topic, but a discussion of medical cost comparisons should not ignore how our system works. Few people pay list (billable) price for any service. Their insurance company covers some or all of it (either through a discount or actual insurance) and if they have no insurance much go...
by texasdiver
Sun Aug 05, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Prefinished White Oak Floors with Matching Stair Treads
Replies: 14
Views: 967

Re: Prefinished White Oak Floors with Matching Stair Treads

I want to get solid hardwood 3/4 inch This is what I think of when I think of "hardwood floors." This is also what we have. I don't think there is a product like this that is prefinished because that would seem to defeat the purpose -- a premium product that looks less expensive. The floors that ha...
by texasdiver
Sun Aug 05, 2018 1:40 am
Forum: Investing - Help with Personal Investments
Topic: Help with 403b allocations
Replies: 12
Views: 916

Re: Help with 403b allocations

Not to derail the topic, but does anyone know why the retirement plan for not-very-well-paid public employees, most of whom having little recourse to sound financial advice, would offer such a terrible selection of high-cost funds? Who (besides the fund provider) benefits from structuring a retirem...
by texasdiver
Sun Aug 05, 2018 1:18 am
Forum: Investing - Help with Personal Investments
Topic: Which 403b provider to choose?
Replies: 19
Views: 1003

Re: Which 403b provider to choose?

Former Texas teacher here. I would ask why your district doesn't allow investment with Fidelity or Vanguard. Both are on the list of TRS Certified Companies so there is no reason why the can't do it: https://www.trs.texas.gov/Pages/403b_cert_companies.aspx I was able to use Vanguard with my previous...
by texasdiver
Sat Aug 04, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Co - signed a Mortage, Now wants out
Replies: 57
Views: 6034

Re: Co - signed a Mortage, Now wants out

I agree with most, probably no way for OP to get out of it now. Sis and BIL are going to have to refi if they want the mortgage to be theirs. When was a 30 year 2.75% mortgage ever a thing?? A 15 year maybe.... or 3.75% for a 30 year. That must be a typo... how's a mortgage that needs a co-signer e...
by texasdiver
Sat Aug 04, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Prefinished White Oak Floors with Matching Stair Treads
Replies: 14
Views: 967

Re: Prefinished White Oak Floors with Matching Stair Treads

Are you talking about pre-finished engineered hardwood floors (basically plywood planks with a hardwood verneer on top? Those are always pre-finished. Or are you talking about traditional hardwood oak planks that are nailed down to the subfloor the old fashioned way? These are also available prefini...
by texasdiver
Sat Aug 04, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Vacation- home precautions?
Replies: 39
Views: 4967

Re: Vacation- home precautions?

RickBoglehead wrote:
Sat Aug 04, 2018 3:41 pm
Simply throw the breaker on the garage doors. The bolt stops someone from manually popping the pullcord release from the outside.
Duh...even simpler than unplugging them.

Our garage door doesn't have windows. How would someone manually pop the pull cord release from the outside?
by texasdiver
Sat Aug 04, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Vacation- home precautions?
Replies: 39
Views: 4967

Re: Vacation- home precautions?

I set the manual lock on the garage door, and turn the hot water heater to "pilot". How do you do this? Do you have a separate deadbolt or something on the garage door or is i a setting on your automatic door opener? Sorry, Texasdiver, I've been reading the forum without signing in for a while. In ...
by texasdiver
Fri Aug 03, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: 3 Levels of Wealth
Replies: 125
Views: 11445

Re: 3 Levels of Wealth

There's a difference between ability to pay whatever price for dinner and comfort/willingness in doing so. My retired parents and I recently discussed asset allocation for their high-seven-figure portfolio (they're probably a 10 on the 10-point scale), and then downloaded a 2-for-1 coupon at a mode...
by texasdiver
Fri Aug 03, 2018 7:05 pm
Forum: Investing - Theory, News & General
Topic: 3 Levels of Wealth
Replies: 125
Views: 11445

Re: 3 Levels of Wealth

The truly wealthy are not the ones with private jets. They are the ones who send their private yacht to the destination ahead of time so that home is already there when they do arrive with the private jet. When we lived in Juneau AK every summer there would be a handful of tech billionaire yachts sh...
by texasdiver
Fri Aug 03, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Phone Rental for South America?
Replies: 15
Views: 698

Re: Phone Rental for South America?

Most of the time the standard advice is "get a local SIM when you arrive." Problem is that depending on where you are going it's not that simple, especially if you want to have service immediately upon arrival. Presumably, the OP is flying there. In my experiences, most international airports will ...
by texasdiver
Fri Aug 03, 2018 12:47 am
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 4676

Re: best place to hide a key

Both my wife and I have newer Toyotas that have touch sensor lock and unlock door and keyless ignitions. So you just have to be near the key and touch the door and the car will unlock. I haven’t tested it to see how far away from the key you need to be to make this happen but hiding the key somewher...
by texasdiver
Wed Aug 01, 2018 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Bonus at Job - Weird Situation
Replies: 34
Views: 5980

Re: Bonus at Job - Weird Situation

It sounds to me like: 1. The salary/bonus situation was designed and implemented by one level of the company (perhaps a distant corporate HQ), whereas 2. Promotions and advancement within your local branch are governed more by local norms and personalities that may not necessarily allign with the sa...
by texasdiver
Tue Jul 31, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: Buying a home [as a safe investment]
Replies: 42
Views: 3137

Re: Buying a home

So the lifetime renter would be making a nearly quarter-million dollar mistake vs buying... people who decide on renting, or that semi-nomadic lifestyle, should be aware of what that decision is really costing before deciding. And how much does it cost a buyer, in terms of income they'll never see,...
by texasdiver
Tue Jul 31, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: Buying a home [as a safe investment]
Replies: 42
Views: 3137

Re: Buying a home [as a safe investment]

I never considered the house to be an investment. I bought one because I wanted a house. Right now I'd be lucky to beat inflation when it's sold. However, as this is a low-cost area, I could throw the keys to a charity and it would make little difference in my financial situation. If I could claim ...
by texasdiver
Tue Jul 31, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: Buying a home [as a safe investment]
Replies: 42
Views: 3137

Re: Buying a home [as a safe investment]

We've been home owners for the past 2 decades and are on our 4th house. I'm sure if I added up all the time and money I've spent on these properties over the years I would have come out well ahead by renting. That said, it isn't all about the bottom line. We get a great deal of satisfaction in turni...
by texasdiver
Mon Jul 30, 2018 10:00 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Difficulties Of Discipline
Replies: 12
Views: 1455

Re: Larry Swedroe: Difficulties Of Discipline

This is why I have gone with 100% target retirement funds for my wife and myself as we have passed the 7 figure threshold. I don't trust myself to have the discipline to 100% stay the course if our portfolio is broken down into individual funds and I am tracking each asset separately. When our portf...
by texasdiver
Mon Jul 30, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: TSP G Fund vs Bond Fund AGG or BND
Replies: 7
Views: 580

Re: TSP G Fund vs Bond Fund AGG or BND

You can also roll the FIDO IRA into the TSP if you want to consolidate and simplify. I've rolled all my IRAs into my TSP over the years. There is some manual paperwork (not online) but it is possible. The G-fund would be a hard thing for me to give up, especially in an environment of potential inter...
by texasdiver
Mon Jul 30, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Helping my mother-in law with investments
Replies: 8
Views: 1127

Re: Helping my mother-in law with investments

I would suggest that neither 25% "super safe" nor 25% "money to play with" supports your MIL"s goal of long term sustainable income from her investments. She should be looking to organize her entire portfolio around her objective of long term sustained income production. She would probably be better...
by texasdiver
Mon Jul 30, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Hidden Transaction Fees in 401k or TSP?
Replies: 3
Views: 310

Re: Hidden Transaction Fees in 401k or TSP?

Hi All, I wanted to see if anyone was aware of any hidden fees when exchanging funds in a 401k plan (or the TSP). If there is no stated fee, do they just trade at NAV? Or is there any hidden bid-ask spread or anything else? Thanks in advance! No hidden fees in the TSP. Your 401k plan should have th...
by texasdiver
Sun Jul 29, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Retire Internationally for FIRE
Replies: 94
Views: 12338

Re: Retire Internationally for FIRE

I'm always somewhat surprised by people who have never been out of the US for more than perhaps a cruise or week in Cancun who then decide to retire abroad. Do some extended travel first before you pull the trigger on something like this. That said, it is 100-times easier to stay in touch and connec...
by texasdiver
Sun Jul 29, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Best budgeting tool? YNAB or something new?
Replies: 2
Views: 323

Best budgeting tool? YNAB or something new?

About 10 years ago I got serious about budgeting and bought the YNAB (You Need a Budget) software for PC and started using it. That was about 5 computers ago and I never kept it up. But I want to get back to seriously tracking our spending and budget again. Is YNAB still the go-to software for perso...
by texasdiver
Sun Jul 29, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: Jonathan Clements blog - Argues for all-in-one fund
Replies: 21
Views: 3643

Re: Jonathan Clements blog - Argues for all-in-one fund

http://www.humbledollar.com/2018/07/one-and-only/ This is a great inventory of the major considerations both for and against all-in-one funds. But while the tone was balanced, with only one paragraph dedicated to advantages and six to drawbacks, I'm not so sure I agree that he's arguing for all-in-...
by texasdiver
Sat Jul 28, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Tinkering with Multiple 401(k)s
Replies: 11
Views: 774

Re: Tinkering with Multiple 401(k)s

I’d roll it into a Vanguard IRA. Once you put it into your new employer 401k you are stuck there for the duration. The 0.55% ER and the fund choices are not even guaranteed. What is to stop them down the road from switching to a different 401k provider with even higher fees or worse choices if your ...
by texasdiver
Fri Jul 27, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Wheres a good store to buy Sports Coats?
Replies: 11
Views: 978

Re: Wheres a good store to buy Sports Coats?

Another option is Lands End online. I bought my last one there with some kind of discount coupon on the web site that brought down 40%. Very nice all-wool half-canvas blazer for $173 with the current coupons. I needed one for an interview and didn’t have the time or energy to run around visiting ret...
by texasdiver
Fri Jul 27, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Figuring out long-term technology plan for kids - Chromebook?
Replies: 43
Views: 2319

Re: Figuring out long-term technology plan for kids - Chromebook?

...They are doing some crazy cool stuff with 3D printing and the kids are making their own stop action movies using 3D printers just like Laika Studios. I knew you can make a lot of things with 3D printers, but I did not know you can use them to make movies. www.digitaltrends.com/movies/laika-cgi-3...
by texasdiver
Fri Jul 27, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Figuring out long-term technology plan for kids - Chromebook?
Replies: 43
Views: 2319

Re: Figuring out long-term technology plan for kids - Chromebook?

Teacher here. I’ve taught at schools that are Mac/IPad oriented and have taught at schools that are Chromebook based. My current school is Chromebook based. All classrooms have carts of Chromebooks for all students. And we also have carts of regular PC laptops in the science department for some onli...
by texasdiver
Thu Jul 26, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: 2-Year Tour in NM - Any Reason to Stay a Virginia Resident?
Replies: 5
Views: 909

Re: 2-Year Tour in NM - Any Reason to Stay a Virginia Resident?

I can’t think of any reason to retain your VA domicile. Most states tax based on where the money was earned anyway. Once you retire you can decide what to do next. But if you are going to spend several years in NM I would just dive into being a NM resident while you are there. Makes life more intere...
by texasdiver
Thu Jul 26, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Allocation for 47 yo wanting to retire in 10 years
Replies: 19
Views: 2696

Re: Allocation for 47 yo wanting to retire in 10 years

So to be safe and take into account the fact that your pension is not COLAd what are you calculating that your investments will need to provide? About $20,000 per year? That would suggest a portfolio of about $500,000 of which you are 2/5th of the way there. I ran a few numbers using the bankrate.co...
by texasdiver
Wed Jul 25, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: A different take on retirement income: time segmentation
Replies: 179
Views: 12181

Re: A different take on retirement income: time segmentation

Wow, that's bit dire, don't you think? I am far from the first person to say that it may behoove retirees to plan for at least the possibility of their overall spending declining as they age. Michael Stein, Somnath Basu, and Michael Kitces, among likely others, have all suggested this. it is also w...
by texasdiver
Wed Jul 25, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 15764

Re: New book based on Millionaire Next Door

Having gottten into teaching in my 40s after careers in the private sector and Federal government I can say that done right it can be an utterly exhausting and all consuming job. Many veteran teachers have learned to minimize their out of class workload by being efficient and having years worth of m...
by texasdiver
Tue Jul 24, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 15764

Re: New book based on Millionaire Next Door

Here's a blog post I created for a blog I have never developed yet on teachers becoming millionaires...I haven't had time to edit so there may be errors :) Can a teacher become a millionaire? For this example, I took the average national public teacher salary based on years of experience and utiliz...
by texasdiver
Tue Jul 24, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 15764

Re: New book based on Millionaire Next Door

So true. In all the schools I have taught at there is basically a benefits fair in August during the back to school inservice week. It happens when teachers are hurried and stressed about wanting to get back into their classroom to prep for th upcoming school year and annoyed by all the endless red...
by texasdiver
Tue Jul 24, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 15764

Re: New book based on Millionaire Next Door

One of the financial literacy books in my library is "Millionaire Teacher" by Andrew Hallum. Along w/ TMND, and Bogle's "Little Book of Common Sense Investing", it should be added to required summer reading for new teachers. However, "You can lead a horse to water..." In my experience as a teacher ...
by texasdiver
Mon Jul 23, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to change one's career in their 40s?
Replies: 88
Views: 7736

Re: Is it possible to change one's career in their 40s?

What is "another field"? Lots of graduating medical students are closer to 40 than 30. I don't think age would be much of a factor getting a job in most clinical health care positions. It's not particularly onerous to become an EMT, for example. This is simply not true, most graduating medical stud...
by texasdiver
Mon Jul 23, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: Robert Merton on NewRetirement Podcast
Replies: 46
Views: 4963

Re: Robert Merton on NewRetirement Podcast

But with pensions, I think there's a minimum duration (20 years?) before you get anything. So if you change jobs every 10-15 years, you qualify for zero pension? Correct me if I'm wrong. There are exceptions, I think, for moving between public school systems in the same state, unsure about police/f...
by texasdiver
Mon Jul 23, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: Robert Merton on NewRetirement Podcast
Replies: 46
Views: 4963

Re: Robert Merton on NewRetirement Podcast

But with pensions, I think there's a minimum duration (20 years?) before you get anything. So if you change jobs every 10-15 years, you qualify for zero pension? Correct me if I'm wrong. There are exceptions, I think, for moving between public school systems in the same state, unsure about police/f...
by texasdiver
Mon Jul 23, 2018 12:19 pm
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 75
Views: 10999

Re: I may have understood why it's so hard to save and invest

This discussion is the best reason for putting your savings on autopilot. Make it all completely automatic with auto withdrawals or better yet, auto salary reductions into retirement. Learn to live on the remainder and let time do it’s work. If you are making an affirmative decision to save or not s...
by texasdiver
Mon Jul 23, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to change one's career in their 40s?
Replies: 88
Views: 7736

Re: Is it possible to change one's career in their 40s?

I left a government job with a science agency and went into teaching at age 42 and put in 11 years of HS teaching as a second career. People with industry experience are always in demand for CTE teaching jobs (career and technical education) but teaching is very regional specific. Some states like T...
by texasdiver
Mon Jul 23, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 15764

Re: New book based on Millionaire Next Door

Here's a blog post I created for a blog I have never developed yet on teachers becoming millionaires...I haven't had time to edit so there may be errors :) Can a teacher become a millionaire? For this example, I took the average national public teacher salary based on years of experience and utiliz...