Search found 1621 matches

by TxAg
Mon May 25, 2020 9:29 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 103
Views: 7732

Re: Pandemic buys that have improved quality of life?

Conventional wisdom is to not use high end tequila in margaritas and mixed drinks. But as a tequila fan, I completely agree that an upgrade in tequila is worth it for margaritas. I think Casamigos is probably the perfect tequila for margaritas...good enough to make a difference but at a fairly reas...
by TxAg
Mon May 25, 2020 6:36 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 103
Views: 7732

Re: Pandemic buys that have improved quality of life?

Lots of new Kids' books Kids' bike equipment New fancy binocular New running shoes for mr. & mrs. Some good take out Tex-Mex or pizza once a week We also purged some stuff from the closets and garage. Wife bought a few things to decorate the house. Made a couple donations. Sold and traded a few hunt...
by TxAg
Wed May 20, 2020 5:26 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 463
Views: 15899

Re: Bird watchers – what birds are you seeing?

I upgraded my binos today. Looking forward to getting back out to hunt and bird watch.
by TxAg
Tue May 19, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 68
Views: 2916

Re: Engagement Ring Help

sergeant wrote:
Tue May 19, 2020 5:43 pm
My fiancée wanted a moissanite ring. She thinks diamonds are a scam and bad for the environment. It was way cheaper than a diamond. We have been happily married for 30 years. I would steer clear of anyone that demanded an expensive trinket.
Amen to that!
by TxAg
Tue May 19, 2020 5:43 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 68
Views: 2916

Re: Engagement Ring Help

9 years later and my wife says she'd rather have just a band and a pile of cash instead of a big, shiny diamond.
by TxAg
Mon May 18, 2020 3:14 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 550
Views: 144264

Re: Pull-ups and Push-ups

Finally, I'd point out that the "oddly shaped bulging masses" can really only be accomplished through an extreme amount of training, and usually some type of drug. Those guys you see on the covers of body building magazines are on ALL on steroids, HGH, and a host of other concoctions. No question t...
by TxAg
Sun May 17, 2020 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Income about to be halved - what do we do?
Replies: 62
Views: 7677

Re: Income about to be halved - what do we do?

Pets: Put the dog down. For the dog's sake. Don't keep it alive for your personal feelings.


Gym: it's easy to work out at home. Youtube has a million ideas


Food: seems low


Electricity: seems high. Maybe check out alternative rates
by TxAg
Sat May 16, 2020 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 5325

Re: Thinking of buying a boat during pandemic – am I CRAZY?

You can afford the boat plus two jet skis. Stimulate the economy :sharebeer
by TxAg
Mon May 11, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: Got divorced how to get most value for exes wedding ring
Replies: 42
Views: 5078

Re: Got divorced how to get most value for exes wedding ring

When Vegas opens back up, take the money and let 'er rip. Either win big or feel good about flushing it all away (closure) :sharebeer
by TxAg
Sat May 09, 2020 9:58 am
Forum: Personal Consumer Issues
Topic: Should you tip landscapers?
Replies: 51
Views: 3222

Re: Should you tip landscapers?

I think this is the type of scenario tips were meant for. I have tipped or bought lunch/drinks for similar.

The kind of tipping I don't care for is the "expected" tips for basic level service...especially as it creeps up from 10-15% to 20-25%.
by TxAg
Sat May 09, 2020 9:00 am
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3144

Re: Is it worth buying an infant car seat for each car.

We have duplicates in each vehicle. It's as much for logistics as it is for convenience.
by TxAg
Sat May 02, 2020 8:19 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 463
Views: 15899

Re: Bird watchers – what birds are you seeing?

Dottie57 wrote:
Fri May 01, 2020 8:27 pm
TxAg wrote:
Tue Apr 28, 2020 11:17 pm
Yes, they're feral. Lots of green space and a small lake nearby.
Are you in Texas? If so which part?
Yes. Dallas
by TxAg
Wed Apr 29, 2020 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Is it always smart to buy points (mortgage)?
Replies: 46
Views: 4276

Re: Is it always smart to buy points (mortgage)?

When I refinanced in 2016 I was at 4%, 30 year loan. I had the choice of 15 year @ 2.75%, or 2.25% with points. (I think there was also a 2.5% option IIRC). I think it was a few grand, and I paid the points because I knew I would be in this house forever, but I rolled them into the loan. While it's...
by TxAg
Wed Apr 29, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: Should I accept a "free" vehicle from family member?
Replies: 22
Views: 2408

Re: Should I accept a "free" vehicle from family member?

Sell it and split the cash with dad.
by TxAg
Tue Apr 28, 2020 11:17 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 463
Views: 15899

Re: Bird watchers – what birds are you seeing?

Yes, they're feral. Lots of green space and a small lake nearby.
by TxAg
Tue Apr 28, 2020 8:11 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 463
Views: 15899

Re: Bird watchers – what birds are you seeing?

My list from here at home: Bluejay Mockingbird Sparrow Chickadee Tufted titmouse Cooper's Hawk Screech Owl Red bellied woodpecker Ruby throated hummingbird Red tailed hawk Cedar waxwing Crow Grackle Cardinal Mourning dove White winged dove Mallard Wood duck Eastern bluebird Wren Red winged blackbird...
by TxAg
Thu Apr 23, 2020 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12691

Re: Moving out of NYC due to pandemic

I vote move. You have options.

Lots of nicer places to live.
by TxAg
Tue Apr 21, 2020 9:49 pm
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10185

Re: Eating out after lock-down is lifted

michaeljc70 wrote:
Tue Apr 21, 2020 12:45 pm
SimonJester wrote:
Tue Apr 21, 2020 12:41 pm
Boglegirl81 wrote:
Sun Apr 19, 2020 2:11 pm
Off-topic, but I can’t wait for Costco to start sampling again.
I hope this never comes back... Its the worst part of Costco...
Agreed. Dozens of people blocking the aisles to get 17 cents worth of food for free.
Agreed. I dislike it
by TxAg
Tue Apr 21, 2020 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Parents want me to pay off their mortgage in exchange for title
Replies: 102
Views: 9214

Re: Parents want me to pay off their mortgage in exchange for title

Jack FFR1846 wrote:
Tue Apr 21, 2020 3:11 pm
You know the right answer here. Your parents need to sell the house and take what they get, wind down the hobby of a business and rent a 1 bedroom apartment.

All these shell games of they sell to you and they live there and you collect no rent is going to bite you and bite you hard.
Bingo!
by TxAg
Tue Apr 21, 2020 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Are we spending too much on a house? 28yo & 24yo
Replies: 89
Views: 6102

Re: Are we spending too much on a house? 28yo & 24yo

A $505K house with 36% down at 2.875% is P+I of just $1348/mo. A $325K house with 20% down at 4.75% (just a few years ago) has P+I of $1356/mo. Is it somehow magically affordable at $125K income but the first example isn't? (I get property tax will be higher... I'll grant that). Why do we focus on ...
by TxAg
Tue Apr 21, 2020 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Are we spending too much on a house? 28yo & 24yo
Replies: 89
Views: 6102

Re: Are we spending too much on a house? 28yo & 24yo

Thank you so much for all of the replies. To answer some of the questions posed, my 180k down payment is coming from a combination of a mutual fund (luckily sold and put into a money market prior to the pandemic) that was set up for me by parents when I was young and my own savings from 6 years of ...
by TxAg
Tue Apr 21, 2020 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 280
Views: 28066

Re: College in fall

How are kids living in dorms and going to class any different than everyone else living in apartments and going to work?
by TxAg
Tue Apr 21, 2020 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Are we spending too much on a house? 28yo & 24yo
Replies: 89
Views: 6102

Re: Are we spending too much on a house? 28yo & 24yo

$500k house is steep for $125k salary
by TxAg
Mon Apr 20, 2020 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: No longer desiring promotion - change career?
Replies: 43
Views: 2865

Re: No longer desiring promotion - change career?

I hear ya loud and clear.


I think a hobby would help. And also fitness goals.
by TxAg
Sun Apr 19, 2020 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Career Change Assessments Age 30
Replies: 20
Views: 2670

Re: Career Change Assessments Age 30

You would be a shoe in for a business to business sales gig assuming you have a decent personality. Given your graduate degree, age, and previous role, you could find a spot in a field you don't have experience in.
by TxAg
Sun Apr 19, 2020 8:44 am
Forum: Personal Consumer Issues
Topic: Replacement for 4Runner
Replies: 70
Views: 4143

Re: Replacement for 4Runner

Subaru Ascent?
by TxAg
Wed Apr 15, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10185

Re: Eating out after lock-down is lifted

If they're and 80 enjoy eating out and drinking, more power to them. Live life to the fullest...don't sit at home for the rest of your days.
by TxAg
Sun Apr 12, 2020 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Unemployment vs. work at Amazon warehouse/CA
Replies: 84
Views: 5870

Re: Unemployment vs. work at Amazon warehouse/CA

She was teaching middle school kids for 4 hours/day in an after school program run by our county. Her career goal is to become a clinical therapist, and she’s halfway through a Master’s program that is online now. She knows people who work or have worked at Amazon, and steps have been taken to enha...
by TxAg
Sun Apr 12, 2020 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Executive pay cut request: How to respond?
Replies: 130
Views: 12922

Re: Executive pay cut request: How to respond?

I am an entrepreneur. I make a 7 figure annual income. I built my own successful company. I don’t enjoy going to the expensive lawyers and accountants all that much. I may get more interesting advice when I post on bogleheads or on a forum in my industry. Sure, I may then bring forward some of thos...
by TxAg
Sun Apr 05, 2020 8:13 am
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20100

Re: What are you doing for haircuts due to coronavirus shutdown?

I cut my own and my son's.

My wife and Daughter are in for a long wait :)
by TxAg
Thu Apr 02, 2020 3:31 pm
Forum: Personal Consumer Issues
Topic: Online / Gun Dealer Recommendations
Replies: 73
Views: 6027

Re: Online / Gun Dealer Recommendations

https://gun.deals/

Good place to price check. Keep in mind some things will vary like shipping costs, taxes, and FFL fees.
by TxAg
Thu Mar 26, 2020 3:33 pm
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 301
Views: 17801

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

Welcome back :sharebeer

But please stop calling it The Great Shutdown
by TxAg
Wed Mar 25, 2020 9:16 am
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 279
Views: 21008

Re: Are you still going to the grocery store or using a delivery service? Which?

We have been going to our local grocery store once per week. It is missing about 20% of the items it normally has, but there is still plenty of food available. The produce aisle has everything that is normally there. Drove by Costco on Monday morning about 30 minutes after it opened and there were ...
by TxAg
Tue Mar 24, 2020 8:55 pm
Forum: Personal Consumer Issues
Topic: Beard Trimmer / Tips
Replies: 18
Views: 1088

Re: Beard Trimmer / Tips

Go corded. More power. Never a low battery.
by TxAg
Fri Mar 20, 2020 5:51 pm
Forum: Personal Consumer Issues
Topic: Pay cleaning lady during coronavirus pause?
Replies: 66
Views: 5105

Re: Pay cleaning lady during coronavirus pause?

Wellfleet wrote:
Fri Mar 20, 2020 6:46 am
We are paying ours as long as we are employed.
Same
by TxAg
Tue Mar 17, 2020 8:34 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190749

Re: Optimism amongst the panic and worry

Bump for a good thread.


I am enjoying working from home and playing with the kids..like having an extra Christmas break.
by TxAg
Sat Mar 14, 2020 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on working from home
Replies: 11
Views: 970

Re: Tips on working from home

Easy. Don't turn on the tv.
by TxAg
Fri Mar 13, 2020 11:16 pm
Forum: Personal Consumer Issues
Topic: Transitioning weightlifting from gym to home
Replies: 20
Views: 1232

Re: Transitioning weightlifting from gym to home

Thank you both for opining. Do you have any references on how to make/mount a pull up bar? There isn’t any garage space (the ceiling is dry walled and high), but a part of my basement has joists exposed. Would that work? 2 ceiling flanges. 2 8" pipe nipples. 2 90's. 1 36" pipe nipple. (I prefer 3/4...
by TxAg
Fri Mar 13, 2020 10:25 pm
Forum: Personal Consumer Issues
Topic: Transitioning weightlifting from gym to home
Replies: 20
Views: 1232

Re: Transitioning weightlifting from gym to home

It's pretty easy to mount a pull up bar to your garage rafters. A few kettlebells will take care of the rest.
by TxAg
Mon Mar 09, 2020 7:56 pm
Forum: Personal Consumer Issues
Topic: Traffic camera ticket
Replies: 78
Views: 3938

Re: Traffic camera ticket

I got one in TX. The only enforcement method they had was to put you on a "scofflaw" list if you didn't pay. County tax assessors were supposed to block your car registration if you were on the list, but ours refused to do so. I opted not to pay. They sent a bunch of letters, but I just put them in...
by TxAg
Mon Mar 09, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: Traffic camera ticket
Replies: 78
Views: 3938

Re: Traffic camera ticket

I have followed my own advice
by TxAg
Mon Mar 09, 2020 1:13 pm
Forum: Personal Consumer Issues
Topic: Traffic camera ticket
Replies: 78
Views: 3938

Re: Traffic camera ticket

DON'T pay it

Nothing will happen. These are run by third parties trying to make a buck.
by TxAg
Thu Mar 05, 2020 8:38 pm
Forum: Personal Consumer Issues
Topic: How is this possible? Is Alexa spying on me?
Replies: 110
Views: 8153

Re: How is this possible? Is Alexa spying on me?

No thanks.

It astonishes me that we willfully bring these into our homes.

I know. I know. They're harmless....
by TxAg
Sun Feb 23, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: Beard trimmers - down to stubble
Replies: 12
Views: 1442

Re: Beard trimmers - down to stubble

Tuned in. Same question.
by TxAg
Tue Feb 18, 2020 2:55 pm
Forum: Personal Consumer Issues
Topic: Good Vacuum for Car
Replies: 30
Views: 2041

Re: Good Vacuum for Car

^^^i have used my gas leaf blower haha
by TxAg
Tue Feb 18, 2020 8:58 am
Forum: Personal Consumer Issues
Topic: Good Vacuum for Car
Replies: 30
Views: 2041

Re: Good Vacuum for Car

:?: While not exactly what you're looking for, after purchasing a new Audi A4 and really wanting to keep it looking its best, I invested in this portable wet/dry vac for ~$50 and absolutely love it: https://amzn.to/326PGMm It produces every bit as much suction as those vacuums at the car wash and is...