Search found 1253 matches

by TxAg
Tue Aug 14, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 7294

Re: Retire in Florida or Alabama?

Texas beaches are gross.

Real estate taxes are high in TX so I'd consider a permanent move rather than keeping a house here.
by TxAg
Thu Aug 09, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 6939

Re: When is leaving your job that pays well a good idea?

greg24 wrote:
Wed Aug 08, 2018 3:35 pm
Texanbybirth wrote:
Wed Aug 08, 2018 3:19 pm
If this thread isn't an example of how good we have it in America, then I don't know what is.
+99999999999999999999 :sharebeer
Agreed.

OP needs a reality check.
by TxAg
Sun Aug 05, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 24314

Re: most compelling TV character ever

If TV mini series count, then Robert Duvall as Augustus McCrae in Lonesome Dove is as good as it gets.
by TxAg
Sat Aug 04, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Land Purchase Possible or Forget About It?
Replies: 20
Views: 1732

Re: Land Purchase Possible or Forget About It?

I loooove hunting, but don't buy the land unless you get it cheap.
by TxAg
Sat Aug 04, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Making a mistake considering a new job?
Replies: 31
Views: 2083

Re: Making a mistake considering a new job?

Different strokes for different folks. I'd stay put and retire asap.
by TxAg
Fri Aug 03, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Hiking vacation in November - any recomendations?
Replies: 35
Views: 2002

Re: Hiking vacation in November - any recomendations?

Thanks for the great idea's everyone! I think I'm leaning to Big Bend at the moment and will do a bit more research and reading on the locale and accommodation options. Getting there is a breeze on Southwest with my points so that's a plus too - yes I'll lose a fair part of a day getting there an b...
by TxAg
Thu Aug 02, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Hiking vacation in November - any recomendations?
Replies: 35
Views: 2002

Re: Hiking vacation in November - any recomendations?

Zion/Bryce or Big Bend/Guadalupe Mountains
by TxAg
Tue Jul 31, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: 1.9 M windfall. My plan; input requested
Replies: 30
Views: 4585

Re: 1.9 M windfall. My plan; input requested

Reconsider helping your kids through college! Of course, there are lots of factors...
by TxAg
Mon Jul 30, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in San Antonio
Replies: 41
Views: 2855

Re: Best BBQ in San Antonio

Rudy's is good for "fast food" bbq, but it's a loooongp way behind the ones in Lockhart mentioned above.
by TxAg
Sat Jul 28, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: Why dont people sit outside more? And how to deal with bugs?
Replies: 50
Views: 5290

Re: Why dont people sit outside more? And how to deal with bugs?

Build a bat house. Use mosquito spray.

We love being outside. It was 100* today but it only seems "too hot" from 12-6. After that it's easily tolerable.
by TxAg
Sat Jul 28, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 5994

Re: Talk to me about Le Creuset

We were gifted one. It gets a lot of use during winter with soups and chilis. :sharebeer
by TxAg
Fri Jul 27, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Best Loan for Home Addition??
Replies: 10
Views: 704

Re: Best Loan for Home Addition??

$312k + another $75k + car and student debt...all on $146k gross. You're nuts.
by TxAg
Fri Jul 27, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Decision for Stay at Home Wife?
Replies: 84
Views: 3345

Re: Decision for Stay at Home Wife?

There is no one solution that fits every family. Our kids love their day school and are probably better off for it. They learn constantly and are very socialized. We spend A LOT of time with them, but the learning structure M-F is a great thing for them (and us). We wouldn't have it any other way. W...
by TxAg
Thu Jul 26, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9296

Re: Toughest Purchase of my Life. Engagement Ring time

34 years old. income: 70k, currently have 35k cash in Emergency fund. 90K in retirement accounts. Extremely frugal (drive 91 civic) and all bills minimized. Girlfriend contributes 50% to all shared expenses (mortgage, utilities, shared house expenses, etc...). No debt other than mortgage 217K in ho...
by TxAg
Wed Jul 25, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Flooring: Hard wood vs Ceramic Tile that looks like wood
Replies: 26
Views: 2561

Re: Flooring: Hard wood vs Ceramic Tile that looks like wood

I love tile, but tile should look like tile and wood should look like wood.
by TxAg
Tue Jul 24, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Road trip - Dallas to Kalispell MT - which vehicle and must sees
Replies: 30
Views: 2190

Re: Road trip - Dallas to Kalispell MT - which vehicle and must sees

I'm in DFW. We were in Whitefish last July....I can't wait to go back.
by TxAg
Fri Jul 20, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 13350

Re: Should I Dump a Pile of Money on Young Son?

Sounds like a level headed dude. Give it to him.
by TxAg
Wed Jul 18, 2018 9:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 481
Views: 48109

Re: Seven figure milestone

Tortoise Banker wrote:
Wed Jul 18, 2018 6:38 pm
That's huge! Congrats!
Nice avatar!
by TxAg
Wed Jul 18, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17087

Re: Salary vs. Lifestyle

I've made the opposite choice, but only after reaching financial independence. I'm now working 40% less for 40% lower pay than I did as a full-timer. No regrets. :beer -PoF PoF (and anyone else with an opinion) - if you were starting over would you do it the same way with working hard until FI and ...
by TxAg
Wed Jul 18, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17087

Re: Salary vs. Lifestyle

I realize that this is a very subjective matter, but after reading one of the threads regarding early retirement, I noticed they recurring theme: Enjoying life while you can (having more time for "living in the sunlight" - hobbies, taking walks, exercising and spending time with family). I thankful...
by TxAg
Thu Jul 12, 2018 9:39 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 15167

Re: COMING SOON: BOGLEHEADS PODCASTS

Finance the Boglehead Way

Or just The Boglehead Way
by TxAg
Thu Jul 12, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 15167

Re: COMING SOON: BOGLEHEADS PODCASTS

DIY Boglehead Investing

Ha...just realized the poster above me had the same idea. That's what I get for skipping to the end.
by TxAg
Thu Jul 12, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for an auto loan 2 weeks after purchase??
Replies: 39
Views: 4929

Re: Denied for an auto loan 2 weeks after purchase??

I've read about this before. They will likely try to get the extra $1000.

If so, just write the $8k check and tell them to pound sand. That's better for them than taking back a used car.
by TxAg
Wed Jul 11, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5713

Re: Anyone take naps at work?

mega317 wrote:
Wed Jul 11, 2018 3:09 pm
GT99 wrote:
Wed Jul 11, 2018 2:54 pm
Now that I have a 5 months old who doesn't want to sleep more than 3 hours at a time, I wish I had the ability to nap during the day.
3 hours? Lol I also have a 5 month old and it sounds like you're in heaven.
I feel for y'all! We have a 2 and 4 yo. The first year neither slept very well.
by TxAg
Wed Jul 11, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Management at Megacorp
Replies: 26
Views: 3049

Re: Management at Megacorp

Thank you for the advise! I now realized I left off some details. -Raise would be 7% going into management. It would take my 8-5 job and turn it into 100% on call all the time, with expectations to work 10-15 hours on the weekends, and a few hours every night at home. These are sacrifices I'd be wi...
by TxAg
Wed Jul 11, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3436

Re: Masterbath Remodel - Tub or No Tub ?

I would get rid of the tub for the following reasons. 1) You don't use it. 2) Getting rid of it gives you exactly what you want with a more luxurious shower. 2) You plan to live here 5-6 more years and maybe even longer so enjoy your house the way you want it. 3) You have another tub upstairs which...
by TxAg
Mon Jul 09, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4218

Re: Monthly Water Usage

These low amounts are blowing me away. Our bill for last month showed we used 25,000 gallons. At $1.44 per 1000 gallons, that made for $36 in water usage + the $15.29 base water fee + the municipal water tax of $3.08 = $54.37. That was with us running the sprinklers for 20 minutes per zone (we have...
by TxAg
Mon Jul 09, 2018 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 5471

Re: Should I take a $60k paycut to work 4days/week

barnaclebob wrote:
Mon Jul 09, 2018 7:49 am
I don't know how anyone above could give an answer without you saying how much you would still be making and what your expenses are.

Going from 150k to 90k is way different than going from 300k to 240k.
+1
by TxAg
Sat Jul 07, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a job in a less desirable city if you had to work fewer days?
Replies: 40
Views: 3071

Re: Would you take a job in a less desirable city if you had to work fewer days?

Although I really like our neighborhood, I'd love to go from DFW to 400k or less people. AND you're working less!

Are taxes or homes cheaper? What about the commute?

I'd likely make the move.
by TxAg
Thu Jul 05, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15732

Re: Retirement Destination - are you happy with your choice?

Shortly after we retired 12 years ago, we moved from Toronto to Canmore Alberta. Fabulous little town (16,000 people) in the Canadian Rockies near Banff. World class hiking, biking, skiing. Very active, young population. No sales tax and lowest income tax of any province at the time. Property taxes...
by TxAg
Thu Jul 05, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4218

Re: Monthly Water Usage

This spurred me to check my usage. It was 5900 gallons in June and 4200 gallons in May. This is for a family of 4 (two small kids). I have a nice yard that I hand water as needed.

Excluding sewer and trash, I pay ~$25/month for water.
by TxAg
Thu Jul 05, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 7006

Re: Walking Coast-to-Coast

Very cool!
by TxAg
Wed Jul 04, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: What to add to the baby registry?
Replies: 20
Views: 1293

Re: What to add to the baby registry?

Nose Frida

Old school rectal thermometer

A glider that reclines (you may cat nap here often)
by TxAg
Wed Jul 04, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating New Job Offer
Replies: 24
Views: 1690

Re: Evaluating New Job Offer

MP173 wrote:
Wed Jul 04, 2018 2:47 pm
3 hours per day in travel.

That would make it a no brainer for me. I enjoy working upstairs at home.

Ed
Agreed on the travel. That is unhealthy.
by TxAg
Wed Jul 04, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4218

Re: Monthly Water Usage

DanMahowny wrote:
Wed Jul 04, 2018 1:49 pm
117,000 gallons every 6-months. Indeed that's a lot.

My "environment" friends go crazy when I tell them. Personally, I don't care. My lawn looks fabulous, and 1-hour showers with multiple heads is relaxing.

This costs roughly $2,000 per year.
Wow
by TxAg
Wed Jul 04, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4218

Re: Monthly Water Usage

Cost comparing water bills is useless as rates are widely different. Rule of thumb usage is valid. You're low. My mother, in Florida, some DAYS uses over 2,000 gallons including irrigation. Highly irresponsible, I've tried in vain to bang into her head that she's wasting a tremendous amount of wate...
by TxAg
Mon Jul 02, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Neighbor's drainage issue causing problems
Replies: 54
Views: 3961

Re: Neighbor's drainage issue causing problems

Worst case scenario, could you add dirt along your side of the house to help push water the other direction?
by TxAg
Mon Jul 02, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 84
Views: 8379

Re: DNA ancestry testing

Since the USA didn't make the World Cup, this testing would really help me pick who to root for.
by TxAg
Mon Jul 02, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 3903

Re: Recommend a vehicle for $24,000 or less

fsrph wrote:
Sun Jul 01, 2018 10:37 pm
Base model Subaru Forester.

Francis
+1
by TxAg
Sat Jun 30, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13565

Re: What are your property taxes?

Texas: My county taxes and school district taxes are separate. It totals around 2.8% of "value." A homestead exemption helps reduce the "value" by 20% (so we're taxed on 80% value). It also keeps the "value" from escalating more than 10% per year. In a lot of ways it's a sham, but at least we don't ...
by TxAg
Sat Jun 30, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Bogleheads approach to hair loss?
Replies: 15
Views: 994

Re: Bogleheads approach to hair loss?

Embrace it. Save money on haircuts!
by TxAg
Wed Jun 27, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Sister-in-Law - trouble adulting - Pay medical bill?
Replies: 41
Views: 3643

Re: Sister-in-Law - trouble adulting - Pay medical bill?

Practice tough love

She needs a wake up call
by TxAg
Wed Jun 27, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Recommendations for ice machine
Replies: 22
Views: 1748

Re: Recommendations for ice machine

A cheap chest freezer with bagged ice could be an option. We decided on this in lieu of an ice maker at my buddy's ranch (lots of ice needed for deer/pig/turkey hunting)
by TxAg
Wed Jun 27, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11669

Re: $1 million house--- sanity check

Wow, thank you everyone for all your advice and sharing your personal experiences so far. It's funny to see some saying "Of course you can afford it" and others saying "Of course not!" The biggest issues is that I don't want to make a $1 million impulse buy, even if I technically could afford it, w...
by TxAg
Wed Jun 27, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 15250

Re: Did you celebrate when you finally hit $1m?

international001 wrote:
Tue Jun 26, 2018 5:47 pm
I think the engineers in the thread would be more happy to celebrate the first $1024k*1024k
I had to google that, but it made me chuckle
by TxAg
Mon Jun 25, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Gifting trip for inlaws
Replies: 22
Views: 2645

Re: Gifting trip for inlaws

Whitefish, MT

It's a cool town with plenty of good places to eat. Do a VRBO so you get the comforts of home. Also, Whitefish Lake has a nice sandy beach area to relax.

Take a drive through Glacier National Park. Plenty of scenery and wildlife.
by TxAg
Sat Jun 23, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited house turning into a money pit
Replies: 17
Views: 3073

Re: Inherited house turning into a money pit

The more I read, the harder I lean towards selling it. Someone will want to flip it and save you the headache.
by TxAg
Sat Jun 23, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 15250

Re: Did you celebrate when you finally hit $1m?

A steak dinner and a donation to your favorite charity sounds appropriate