Search found 1236 matches

by TxAg
Wed Jul 18, 2018 9:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 424
Views: 41323

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: 96
Views: 8760

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: 96
Views: 8760

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: 341
Views: 10369

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: 341
Views: 10369

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: 4647

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: 5360

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: 2950

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: 3226

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: 3958

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: 5195

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: 2906

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: 15181

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: 3958

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: 6558

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: 1225

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: 1622

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: 3958

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: 3958

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: 3793

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: 8084

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: 3773

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: 12858

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: 957

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: 3567

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: 1658

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: 96
Views: 10397

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: 14720

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: 2580

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: 2996

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: 14720

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

A steak dinner and a donation to your favorite charity sounds appropriate
by TxAg
Sat Jun 23, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Inherited house turning into a money pit
Replies: 17
Views: 2996

Re: Inherited house turning into a money pit

Sell it. Problem solved.
by TxAg
Thu Jun 21, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 32358

Re: What is/ was your career and would you recommend it now?

PVF sales (Pipe, Valve, and Fitting). I don't use my degrees, and I make less than my grad school buddies but I also work many less hours.

Overall...Pay is good, not great. Perks are very good. Quality of life is outstanding.
by TxAg
Thu Jun 21, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 20676

Re: Can you retire on $2M?

How about $2MM at 3% = $60k? That's more reasonable. And yes, we could live on that if the house was paid for.
by TxAg
Thu Jun 21, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Buy new truck before retiring?
Replies: 53
Views: 2901

Re: Buy new truck before retiring?

Folks, we're talking about a 20' trailer that weighs 4,000 lbs. You don't need a 3/4 ton HD truck to pull that. If he was pushing 7k+ and 30+ ft then you're going to see a big difference behind a 2500 vs. 1500. But not 20'/4,000 lbs. That sounds right in theory, but I used to pull a 21' 4500# campe...
by TxAg
Thu Jun 21, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Boglehead guilt with buying a car - Volvo vs Toyota Highlander
Replies: 69
Views: 4502

Re: Boglehead guilt with buying a car - Volvo vs Toyota Highlander

The Volvos looks sharp, but I think Toyota is the sensible choice.
by TxAg
Thu Jun 21, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Marriott hotels using Alexa/Echo in guest rooms?
Replies: 34
Views: 3156

Re: Marriott hotels using Alexa/Echo in guest rooms?

I don't want one in my house or in my hotel :sharebeer
by TxAg
Thu Jun 21, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Buy new truck before retiring?
Replies: 53
Views: 2901

Re: Buy new truck before retiring?

I'd rather have the bigger truck if I was pulling anything but a small trailer.
by TxAg
Tue Jun 19, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8447

Re: gray hair

Regarding men's hair, coloring is the same as a comb over. Neither is a good look.

If you do it, go ahead and get a sports car and an earring.
by TxAg
Mon Jun 18, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 12187

Re: Retire at 50: Should I?

Yes.

And post here about all the fun and generous things you do to fill your day. It's great motivation for the rest of us!
by TxAg
Sat Jun 16, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 5395

Re: What are your hobbies?

Playing with my kids
Landscaping
Hunting local and out of state
Working out
Hiking

Reading about and youtubing all of the above
by TxAg
Fri Jun 15, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: I am STUNNED over how much help my friends recieved with house purchase!
Replies: 47
Views: 3945

Re: I am STUNNED over how much help my friends recieved with house purchase!

You don't sound envious to me....just enlightened. I went through the same thing. I once had a conversation wih my uncle (a doctor) about people around us buying more house than they should be able to afford. He stated how common it was for parents to pitch in. The lightbulb went on. My ego might ge...
by TxAg
Fri Jun 15, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Too much house vs. just enough
Replies: 38
Views: 3523

Re: Too much house vs. just enough

Paying an extra $110k plus interest for a 4th bedroom you already say you don't need doesn't make financial sense.
by TxAg
Tue Jun 12, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 37603

Re: Bogleheads, tell me about your 40's?

TxAg wrote:
Mon Nov 17, 2014 11:02 am
I'm early 30s but enjoying this thread. Thanks.
A little older now but still enjoying this thread.
by TxAg
Sun Jun 10, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: House sale by owner - Problems & Pitfalls?
Replies: 30
Views: 1674

Re: House sale by owner - Problems & Pitfalls?

Good luck. You’re going to try selling on your own, overprice or maybe get a sale, in the process something will pop up that otherwise a seasoned agent would be able to mediate and calm everyone down and save the deal, your deal is going to blow up Your home will now be a home on the market for som...
by TxAg
Fri Jun 08, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Tipping HVAC installers?
Replies: 22
Views: 1984

Re: Tipping HVAC installers?

I tried a search and there seemed to be conflicting opinions from what I saw. I'm having a new HVAC system installed today. It's pretty miserably hot in the area where they are having to add some duct work, if that makes a difference. I had chicken biscuits for the workers for breakfast (it's a sou...
by TxAg
Thu Jun 07, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5235

Re: daughter wants a college transfer?

I transfered after my freshman year. From a tiny school to a big (and cheaper) one. I'm thankful I did!
by TxAg
Tue Jun 05, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Home Reno, your objective opinion please.
Replies: 34
Views: 2951

Re: Home Reno, your objective opinion please.

I got a chuckle from your screen name after reading the post. :)