Search found 982 matches

by Texanbybirth
Mon Dec 10, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: Article: Your love of index funds is terrible for our economy
Replies: 35
Views: 2965

Re: Article: Your love of index funds is terrible for our economy

Of all the things that government, big business, and individuals do that aren't good for the economy, this guy wants to call out index investors. Because even when active managers underperform as they charge higher fees than index funds, they are still adding lots of value in our economic system. i...
by Texanbybirth
Thu Dec 06, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 319
Views: 17152

Re: What are others paying for property taxes around the US?

$7,414 (2018, just paid two weeks ago) in north Dallas suburb, 2,500 sq ft SFH
by Texanbybirth
Thu Dec 06, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to buy on the dip today didn't workout
Replies: 44
Views: 5870

Re: Wanting to buy on the dip today didn't workout

Sell the taxable account anyway, and fund the Roth with an outside contribution today. I do the latter part each month on the 15th in our account. T+2 trade settlement is industry (federally regulated) standard. It's not Vanguard's fault at all. It was T+3 just a couple years ago. I would think if y...
by Texanbybirth
Thu Dec 06, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate
Replies: 19
Views: 1456

Re: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate

Hi, I really wanted to know whether the price I have negotiated is fair or ripped. I have dealer asking MSRP: $38,284 for the following feature set of the car - Trim: XLE Upgrades: JBL Nav/Audio, Driver Assist, Moonroof (Dealer price these upgrades $4,600. I have negotiated final OTD price: 38,952,...
by Texanbybirth
Fri Nov 30, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?
Replies: 65
Views: 4036

Re: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?

neilpilot wrote:
Fri Nov 30, 2018 12:18 pm
Assuming no information other than the OP's postings and a vehicle in decent condition, I'd op to have it towed from the dealer to a competent indy mechanic for evaluation prior to the scrap or repair decision.
+1
by Texanbybirth
Fri Nov 30, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Any single income earners with kids able to retire "early"?
Replies: 23
Views: 1555

Re: Any single income earners with kids able to retire "early"?

Nope. I'm 33 and my (pregnant) wife makes-our-home, and we have 2 & 3 year olds. It'll probably be nice to just be able to retire someday.

Good luck on your journey, I'm quite sure you'll be retired before me! :sharebeer :D
by Texanbybirth
Wed Nov 28, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Electricity bill should be 7% per month of home sq footage.
Replies: 66
Views: 3891

Re: Electricity bill should be 7% per month of home sq footage.

2500 sq ft, summer can be close to $250 for Jul-Sep, and winter as low as $20 for several months.

7% seems completely silly.
by Texanbybirth
Tue Nov 27, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: How do value the cost of commuting?
Replies: 54
Views: 3422

Re: How do value the cost of commuting?

To even entertain that kind of commute, I'd have to see at least a 50% to 75% raise. And even then, as soon as I brought it up to my wife there would be some serious friction. I can't imagine giving up that kind of time and flexibility that allows you to be with family (I have 2 kids close to your's...
by Texanbybirth
Tue Nov 27, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3884
Views: 1085868

Re: What Movie Have You Recently Watched?

Just finished "Thor: Ragnarok" last night. I think it was as fun as "Guardians of the Galaxy", though having already seen "Avengers: Infinity War" it was bittersweet to see the escape from Asgard.
by Texanbybirth
Fri Nov 16, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have a bad experience with HDHP?
Replies: 43
Views: 3969

Re: Anyone have a bad experience with HDHP?

Another HDHP here. Our Family Deductible and OoP Max are double the individual levels, similar to RM's. With a chronic illness, I meet my indiv. deductible every year by March. After that, any of my expenses are covered by the plan 80/20 till my individual OoP Max. This happens every year, with mos...
by Texanbybirth
Fri Nov 16, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have a bad experience with HDHP?
Replies: 43
Views: 3969

Re: Anyone have a bad experience with HDHP?

Another HDHP here. Our Family Deductible and OoP Max are double the individual levels, similar to RM's. With a chronic illness, I meet my indiv. deductible every year by March. After that, any of my expenses are covered by the plan 80/20 till my individual OoP Max. This happens every year, with most...
by Texanbybirth
Fri Nov 16, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 53
Views: 3633

Re: Home sale etiquette: wall repair

Take your pictures/hangables, but leave the nails/screws/anchors. That's what we did when we sold our first home, and when we moved into our current one we actually used some of their nails (after I inspected their installation) they left in the walls to hand our own pictures. They had already done ...
by Texanbybirth
Thu Nov 15, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 40
Views: 1930

Re: What convenience fees does your city charge for credit card use?

No fee, yet. Sucks that city's are starting to charge for it, but I guess they're just trying to recoup costs.
by Texanbybirth
Thu Nov 15, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 133
Views: 12290

Re: How Long / Hard To Become a Millionaire on Under $100k Income

It's possible if you're young enough, save aggressively enough, and invest aggressively enough. If you can save $20,000 per year (inflation adjusted) and invest it aggressively enough to get a 4% real return, you'll have $1,976,531 (inflation adjusted) in forty years. Even at 3%, you'll have $1,553...
by Texanbybirth
Wed Nov 14, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3665

Re: International Travel during Maternity/Paternity

Buddy, this kid is gonna (*ahem* should) change your life more than "oh should we spend a couple weeks at three different exotic locations or 6 weeks in Hawaii?" Like, there's no way any of us can prepare you for the infinitely large gap that is going from not being a parent to being a parent. Give ...
by Texanbybirth
Wed Nov 14, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7208

Re: Are you all staying the course?

Yes, staying the course.
by Texanbybirth
Wed Nov 14, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Questions to late starters
Replies: 8
Views: 960

Re: Questions to late starters

My guess is at 60, at your savings rate, you will easily be able to retire. Now whether it's worth it to you (and your wife!) to sacrifice as you are now for 21 more years is a question we can't answer. (The tone of some of your post sure sounds like life isn't overly sunny right now.) However, it d...
by Texanbybirth
Wed Nov 14, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 49
Views: 2591

Re: Understanding the difference in cell phone OS types

There are an absolute TON of differences, not only with the OS (android, ios, windows), but with versions. Good luck figuring outep which to take. I kept ios7.1 for years because it pre-dated Apple's "battery throttling" intended for users to think they needed a new phone as it slowed down. My ios7...
by Texanbybirth
Wed Nov 14, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 43
Views: 2833

Re: Garmins & Fitbits: Worth it for non-athletes?

I love my FitBit Charge 2. Okay actually, sometimes I hate it like after a run it will suddenly stop taking my heart rate. I think that's because I'm sweaty (I'm not an elite athlete, as I'm guessing 99.99% of BHs aren't either, but I do sweat a lot) after the run, so I give it a pass for that. Usua...
by Texanbybirth
Tue Nov 13, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing New Home - Down Payment 20 or 25%??
Replies: 19
Views: 1158

Re: Purchasing New Home - Down Payment 20 or 25%??

20%. This is one of those "if you have to ask, then you can't afford it", especially since you're talking about a 5% difference.

Keep your liquidity, and if you want to pay it toward the mortgage in a few years when y'all have settled in, then go for it.
by Texanbybirth
Mon Nov 12, 2018 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Is maxing out Tax defered 401(k) enough?
Replies: 49
Views: 5099

Re: Is maxing out Tax defered 401(k) enough?

I think you're doing great. Just be careful about how that freed-up cash is used when kids are out of daycare/school and house is paid off. I mean to say save it, and don't spend it on expensive cars again.

:beer
by Texanbybirth
Fri Nov 09, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10879

Re: Favorite "free stuff"?

Kroger ClickList is "free" for my wife, as they have never failed to send a coupon for such. I guess eventually we'll have to pay for it, but we'd just go in the store at that point.
by Texanbybirth
Fri Nov 09, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: iMac + iPad Pro
Replies: 23
Views: 1825

Re: iMac + iPad Pro

Old Guy wrote:
Thu Nov 08, 2018 6:20 pm
Thanks for the advice. Ordered it. $679 plus tax. I’m tired of struggling with the charging.
Excellent choice. It's a steep price but with 4G RAM, that storage, and the processor you'll be set for many years to come. :beer
by Texanbybirth
Thu Nov 08, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: iMac + iPad Pro
Replies: 23
Views: 1825

Re: iMac + iPad Pro

I don’t use a Mac but I do own an older 9.7 iPad with a cracked screen that’s difficult to charge. I have been looking at the Apple refurbished 256 10.5 . I wonder if the price will come down this month when the new iPads are released. I use the iPad everyday for reading and the news. The wife uses...
by Texanbybirth
Thu Nov 08, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: iMac + iPad Pro
Replies: 23
Views: 1825

Re: iMac + iPad Pro

We've used an iPad for several years now, and been through many iterations. Just got the new iPad Pro 11". I bought the 256GB option because if I'm honest, it's really just a media consumption device for our family. So I've downloaded our digital movies and TV shows, music, audio Bible, and a few ap...
by Texanbybirth
Wed Oct 31, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4847

Re: Calculating ROI for PhD

Don't get a PhD for the ROI. Do it so you can study what you want and never have a boss. And summers, Thanksgiving, Christmas, and spring break off. And great benefits. And guaranteed employment. :D I have interviewed literally hundreds of PhDs, for jobs requiring only a bachelor's, who were giving...
by Texanbybirth
Wed Oct 31, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3318

Re: USPS - Informed delivery - complain on missing items?

We've never complained about Informed Delivery. It's never anywhere near high up enough on my priorities list to do anything. I figure with the multi-million pieces of mail floating about everyday, even if everyone on this thread complained daily about every piece of mail they get it'd still probabl...
by Texanbybirth
Wed Oct 31, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3617

Re: The most you ever paid for a prescription

A prescription I take daily costs us $1100/month. (Thankfully we meet our deductible in Feb/Mar (depending on much is leftover at year end), and it's $35/mo from there on out. :D )
by Texanbybirth
Wed Oct 31, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: First Born - Financial Changes?
Replies: 6
Views: 789

Re: First Born - Financial Changes?

Good news, you'll probably get a $2k tax credit. I'd work up a mock tax return and adjust your withholding accordingly. It might not have that big of an impact in 2018, as there are only two months left, but it'll get you setup for success in 2019. I echo the other poster's sentiments on life insura...
by Texanbybirth
Wed Oct 24, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Considering Leaving Vanguard [due to incompatibility with Mint]
Replies: 8
Views: 975

Re: Considering Leaving Vanguard [due to incompatibility with Mint]

[Before replying, I logged into our Mint account to verify.] Sure enough, our Vanguard account is updating just fine. And I have MFA turned on @ Vanguard. I'm not sure what issue you're having, but it's not Mint. I've found their support to be very helpful. You should contact them before you throw t...
by Texanbybirth
Wed Oct 24, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Kitces link: The Spectrum of Financial Dependence and Independence
Replies: 30
Views: 3579

Re: Kitces link: The Spectrum of Financial Dependence and Independence

One of the problems with journalism----and seemingly, financial journalism in particular----is the need to regularly and continually publish articles, with the result that a lot of unnecessary and sometimes overly-complex "garbage" is churned-out-----versus the notion of keeping things simple and a...
by Texanbybirth
Tue Oct 23, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 4864

Re: When Will Attaining Millionaire Status Be Obsolete?

A 30 year old would have to have a fairly austere life in a LCOL area to live on 1 million dollars for life. 40k a year in a LCOL area, not really. Yeah they'd have that dream life of Mr Money Mustache (without all the blog income), budgeting for a used civic every 10 years, worrying about having t...
by Texanbybirth
Tue Oct 23, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: How do you evaluate HDHPs?
Replies: 17
Views: 1307

Re: How do you evaluate HDHPs?

We did a financial evaluation, with the help of some posters here. It would behoove you to post the specifics here, and there are some really bright people who would respond. What specifics need to be posted. I gather you'd need the following: Annual premium cost Employer contribution toward HSA OO...
by Texanbybirth
Tue Oct 23, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25867

Re: PSA: Don't buy a big house

Has any scientist ever done any research into why the smoke detectors always beep in the middle of the night as opposed to 10am? it never fails. i know it is just coincidence, but it is maddening. in our house we have 7, and in the middle of the night it takes me some time to figure out which one i...
by Texanbybirth
Tue Oct 23, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: How do you evaluate HDHPs?
Replies: 17
Views: 1307

Re: How do you evaluate HDHPs?

Bogleheads....That time is almost upon us. Yes, November and choosing employer health coverage. I have a traditional PPO (Empire BCBS) and I max out an FSA, but am eyeing the HDHP options that we have. The problem is that I am stuck. How do I evaluate whether moving to an HDHP is the right move? Be...
by Texanbybirth
Tue Oct 23, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Apple TV vs Roku
Replies: 14
Views: 1226

Re: Apple TV vs Roku

We've had ATV for 6 years, and I just ended a 2-week test drive with the ATV4K. (I bought it refurb'd from Apple. I highly recommend their refurb store if you can find what you want, as it's an almost automatic 10-15% discount.) I despised the remote. I didn't like the touch pad, and I'll keep my AT...
by Texanbybirth
Mon Oct 22, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Short trip to Orlando with my parents and children
Replies: 18
Views: 1090

Re: Short trip to Orlando with my parents and children

For a slightly different perspective, our 3.5 and 2 year old had a blast spending all day at Epcot this summer. We haven't taken them to Legoland, but I imagine your kids' ages are perfect to visit Legoland. I'd try to visit a Disney park on Sunday. Of course, your kids will probably get the Disney ...
by Texanbybirth
Mon Oct 22, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25867

Re: PSA: Don't buy a big house

We have found that vaulted ceilings make a space feel bigger, even if there isn't much square footage. For instance, our 3/2 home is about 1,200 sq. ft., but it has vaulted ceilings in the 'great room' (kitchen, dining, living area) and two of the bedrooms. Almost everyone that views the home estim...
by Texanbybirth
Fri Oct 19, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11367

Re: What do you consider 'enough'?

I make enough now, but I'm only 33 and have lots of working years (read: uncertainty) left. I'd be perfectly content making (inflationally-adjusted) what I make now for the rest of my working years. We are no where near rich (not just BH Rich, but even rich compared to our suburban TX neighborhood),...
by Texanbybirth
Thu Oct 18, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 17067

Re: Where would you go for financial guidance if you win the Megamillions?

We would give away 90% of it; money changes people and I don't need or want anywhere near that much. Even 10% of $900MM after taxes is life-changing.

OF COURSE I'd come here to make sure my plan for the 10% was sound, but you can bet I'd have a different username. :beer
by Texanbybirth
Tue Oct 16, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 90
Views: 6460

Re: When to stop putting money into an older vehicle

I'd like to point out that safety in newer vehicles isn't just about autonomous features like automatic braking. The actual crash tests have gotten more stringent, and a lot of even slightly older cars do quite poorly. For example, here are the IIHS crash test results for Camrys, starting from 2003...
by Texanbybirth
Mon Oct 15, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Kids and Money
Replies: 38
Views: 1888

Re: Kids and Money

You could actually just give away all your money to charity. It's true that poor people don't really struggle with this problem, if you want a sure fire way to avoid having spoiled kids. Of course, being poor comes with a whole host of other problems. In all seriousness you're way too worried about ...
by Texanbybirth
Fri Oct 12, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Electric Lawn Mower Advice
Replies: 17
Views: 1016

Re: Electric Lawn Mower Advice

You don't need a riding lawn mower for 7000 sq ft unless you just want a toy. :D

Get the Ego. Everyone I know who has it says it's awesome. :beer
by Texanbybirth
Wed Oct 10, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: How much term life insurance? $$ and duration
Replies: 18
Views: 1649

Re: How much term life insurance? $$ and duration

Get the 20-yr, $1MM and be done with it. Y'all are saving well, and in 20 years if you croak your wife will be financially okay with a paid off house with no children.
by Texanbybirth
Tue Oct 09, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Neighbors tree branch growing too close to my house
Replies: 48
Views: 3922

Re: Neighbors tree branch growing too close to my house

onourway wrote:
Tue Oct 09, 2018 11:50 am
Talk to your neighbor. You are overthinking this.
+1, close the thread.
by Texanbybirth
Tue Oct 09, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 10077

Re: What is your annual cost for health insurance?

HDHP: 2.7k ded/5.4k OOP Max 2017 premium: $20k (Fully paid by employer, they also contr $4k to HSA) family of 4, soon to be 5 financial industry [...] I thought that deductibles need to be higher than that for HDHP plans!! You're smart or lucky or both :-) Oops, fixed it. I usually only focus on in...
by Texanbybirth
Tue Oct 09, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 10077

Re: What is your annual cost for health insurance?

HDHP: 2.7k ded/6k OOP Max Indiv; 5.4k/12k Family (edited because of my dumb mistake, thanks an_asker) 2017 premium: $20k (Fully paid by employer, they also contr $4k to HSA) family of 4, soon to be 5 financial industry As am American, I find this quite depressing. In order to retire and not worry ab...
by Texanbybirth
Tue Oct 09, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: What are your strategies when shopping for a house?
Replies: 38
Views: 3519

Re: What are your strategies when shopping for a house?

I wrote about it previously: A list from a previous thread …. http://www.bogleheads.org/forum/viewtopic.php?p=818024#p818024 When we started looking to buy, we went to library and checked out the books. It was pretty straightforward. I would not buy a book unless it was in the $1 rack at the used b...
by Texanbybirth
Mon Oct 08, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Can we safely retire early?
Replies: 18
Views: 3363

Re: Can we safely retire early?

Don't SS estimates assume you keep working/earning at the same pace until you file (age 70 for you)? Meaning, you'll have lots of years of $0 or little income to put in the calculator. Have you done that to see how that will affect the $40k you're estimating?
by Texanbybirth
Mon Oct 08, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7090

Re: Got my new Iphone Xs

Further, there's a lot more to the overall screen quality than its resolution. There are plenty of phones with higher resolution displays that are widely regarded as having inferior overall screens. Which is why some of us have spent a lot of money on OLED for our homes. OLED is all about the color...