Search found 1265 matches

by TxAg
Tue Sep 25, 2018 2:04 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 29
Views: 1172

Re: Oil change interval for low-mileage vehicles

I've asked mechanics the same question and was told once per year. It has worked well for me.
by TxAg
Sun Sep 23, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 68
Views: 6681

Re: Minimalist Lifestyle

Follow the in/out rule: Every time you buy something new get rid of something old. When I buy a new shirt, I throw out or donate an old shirt. When I buy a new pair of shoes, I throw out or donate an old pair of shoes. Could I live out of a suitcase? In an end-of-the-world scenario, sure. But that'...
by TxAg
Sun Sep 23, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3486

Re: How to get rid of rabbits

Rabbit stew.
by TxAg
Sat Sep 22, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 83
Views: 8695

Re: What to wear for job interview - skip the tie?

Leave the tie at home.

As long as the rest of you looks put together and your poised and well spoken, you'll do fine.

Edit: i saw this thread was old, and you've updated it. Congrats on the new gig.
by TxAg
Mon Sep 17, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 11470

Re: Considering Quitting Job - Seeking Advice. Would you do it?

I didn't bother reading all the replies. There's no amount of money that would entice me to work that many hours with kids at home. Edit: I read the replies. I don't mean to be rude, but you're being selfish at this point. Your family needs you. I'll say it again....they need YOU, not more money. Yo...
by TxAg
Sat Sep 01, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Help Us Pick a Lot to Build On - Which Neighborhood Option?
Replies: 19
Views: 1816

Re: Help Us Pick a Lot to Build On - Which Neighborhood Option?

For similar money, I'd prefer 2 acres over 1/2 acre.
by TxAg
Thu Aug 30, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 96
Views: 49058

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

Many helpful and rational comments and observations on this issue. However, NO ONE mentioned the obvious reason for the Honda 21" leaving noticeable strips. It has to do with the Honda wheelbase, wheel track, and wheel width design. Honda chose to mount the narrow front and rear wheels in line with...
by TxAg
Tue Aug 28, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 48
Views: 3979

Re: Recommend a good SOCK. Yes, I said SOCK!

Darn Tough brand
by TxAg
Sun Aug 26, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 3506

Re: Best ultra thin pocket knife?

Kershaw Chill on Amazon for $17.

Thin, light, and easy to sharpen.
by TxAg
Fri Aug 24, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9512

Re: Landlord Nightmare

Just today, we had another lady (5x yo, single, with an 8 yo dog, non student, employed) contacted us for a place. Her budget was enough for our room in a shared house with students (no pets allowed), but only half of what we charge for our apt (pets are fine, as the apt is not shared). We thought ...
by TxAg
Tue Aug 21, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Is a million really the benchmark for retirement
Replies: 109
Views: 11927

Re: Is a million really the benchmark for retirement

My wife and I have never spent anywhere close to $100k over many years in metro Atlanta and I think we have a really nice lifestyle. 100k is a must to have a decent living for two people even if in LCOA. Let's say Rent $2000 a month (or $1000 mortgage, 500 property tax + 500 insurance and repair) F...
by TxAg
Tue Aug 14, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 8080

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: 7269

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: 25068

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: 1798

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: 2198

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: 2114

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: 2114

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: 4681

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: 3011

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: 5447

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: 6142

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: 787

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: 3606

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: 9979

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: 2698

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: 2335

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: 13702

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: 511
Views: 54495

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: 17469

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: 17469

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: 362
Views: 17898

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: 362
Views: 17898

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: 5143

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: 5931

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: 3089

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: 3552

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: 4368

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: 5654

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: 3230

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: 16117

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: 4368

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: 7302

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: 1344

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: 1762

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: 4368

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: 4368

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...