Search found 1196 matches

by Texanbybirth
Wed Sep 25, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Simple emergency prep tip(s)
Replies: 32
Views: 1800

Re: Simple emergency prep tip(s)

I've always like the idea of an emergency/first-aid kit in each car. That seems like a no-brainer along with battery charging cables and a couple flares. I also like the idea of a "go-bag". Thanks for the reminders on both, as I've been too busy lately to actually put these suggestions into practice...
by Texanbybirth
Tue Sep 24, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Quiz: How Well Do You Know Social Security
Replies: 37
Views: 3325

Re: Quiz: How Well Do You Know Social Security

9 of 9, and I'm still >30 years away from SS. I guess it's never too soon to educate yourself. :beer
by Texanbybirth
Tue Sep 24, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4017
Views: 1149869

Re: What Book Are You Currently Reading? Part VI

"Moby Dick"

Maybe this is more of a commentary on my personality than the author/book, but I find it thoroughly entertaining and even funny in places. I've got 31 chapters to go.
by Texanbybirth
Thu Sep 19, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Never assume the banks calculate balances correctly
Replies: 12
Views: 1709

Re: Never assume the banks calculate balances correctly

Our monthly budget spreadsheet has a mortgage balance calculator I built. It's within $0.01 of the bank each month, so I'm happy.

Sorry you had to deal with that, though. It's sad that they can't get the math right when that's what they're paid to do!
by Texanbybirth
Thu Sep 19, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 10949

Re: How do you spend money to gain time? (young family)

So many of us think we need all these things in our lives to be happy which is far from true. I think as humans we overvalue much of what we spend on and undervalue our time. I see myself falling for this all the time and only catch myself after the money was already spent. Well said. I'm trying to...
by Texanbybirth
Wed Sep 18, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Career Advice, Or, A CPA looking for a career pivot
Replies: 7
Views: 599

Re: Seeking Career Advice, Or, A CPA looking for a career pivot

mak1277 wrote:
Wed Sep 18, 2019 10:21 am
Have you thought about moving into an FP&A role? I suspect you could make a move like that without all the extra training/coursework.
I've applied to a few FP&A roles, but generally don't get a call. Maybe I need to work on my resume? :confused
by Texanbybirth
Wed Sep 18, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: What generalist books attempt to explain human nature?
Replies: 39
Views: 2512

Re: What generalist books attempt to explain human nature?

Reading fiction is a good way to learn about human nature. You learn how the author thinks, and what the author has observed in others. The book mentioned above is one good way to start. One key is to remember that we don't all think alike or feel alike, so maybe look into human nature s . Agree on...
by Texanbybirth
Wed Sep 18, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Seeking Career Advice, Or, A CPA looking for a career pivot
Replies: 7
Views: 599

Seeking Career Advice, Or, A CPA looking for a career pivot

Hi all, As a CPA, I have posted before about being less than satisfied overall with my job. So recently I've been taking some CPE ("Continuing Professional Educaiton") courses around Data Analytics. I've thoroughly enjoyed the courses, and it has encouraged me to possibly pivot my career toward more...
by Texanbybirth
Tue Sep 17, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 10949

Re: How do you spend money to gain time? (young family)

I'll say I didn't have a lot of luck with grocery pick-up. I'd set the pick-up time, and then wait 45 minutes in the parking lot while they found someone to wheel out the order. As it takes me about 45 minutes to shop, all this meant was that I traded shopping with a two-year-old for a two-year-old...
by Texanbybirth
Tue Sep 17, 2019 11:29 am
Forum: Investing - Theory, News & General
Topic: Spreadsheets
Replies: 77
Views: 5911

Re: Spreadsheets

I get my spreadsheet modeling/tinkering/macro-ing fix at work. :twisted: This is also a part of where I am coming from. I work with spreadsheets all day. So the last thing I want to is work on them during the night and weekends. If I recall correctly, you’re a fellow accountant/CPA, so that makes p...
by Texanbybirth
Tue Sep 17, 2019 10:11 am
Forum: Investing - Theory, News & General
Topic: Spreadsheets
Replies: 77
Views: 5911

Re: Spreadsheets

We have a monthly budget spreadsheet, but that's mainly for my wife to track expenses. We don't have a spreadsheet for investments. (We also don't have very many investments to keep track of. :P )

I get my spreadsheet modeling/tinkering/macro-ing fix at work. :twisted:
by Texanbybirth
Tue Sep 17, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 10949

Re: How do you spend money to gain time? (young family)

Lawn care $30/wk , though as my sons get older this will be done by the three of us. It's really a nice thing right now when the kiddos are little. If you get someone to do your lawn, then you will have that time in the morning on the weekends for something else. House cleaning 1x/month $150 : this...
by Texanbybirth
Fri Sep 13, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 8676

Re: How old is your cellphone?

1 year old. Wife and I got iPhone XS's last holiday season. It's a fantastic comput...phone, and I'm excited to keep it till 5G becomes mainstream.
by Texanbybirth
Tue Sep 10, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: In retirement, a $100 monthly expense needs $30,000 in your portfolio
Replies: 68
Views: 7000

Re: In retirement, a $100 monthly expense needs $30,000 in your portfolio

I like this simple way of approaching expenses in retirement. (And usually if I like something simple it means I’m missing an important subtlety.) Of course, it implies one is actually good at tracking their expenses before/in retirement, but that’s a separate issue. One thing that struck me: this h...
by Texanbybirth
Wed Sep 04, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Excel - Arrival of XLOOKUP
Replies: 12
Views: 2363

Re: Excel - Arrival of XLOOKUP

I love the VLOOKUP function. It’s saved me countless hours of time, while my coworkers collate data manually. What’s the difference between them? There is a love-hate relationship. People love its power. However, vlookup (hlookup) can only look to the RIGHT (downward?) of the column (row) you're us...
by Texanbybirth
Wed Sep 04, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Excel - Arrival of XLOOKUP
Replies: 12
Views: 2363

Re: Excel - Arrival of XLOOKUP

I love the VLOOKUP function. It’s saved me countless hours of time, while my coworkers collate data manually. What’s the difference between them? There is a love-hate relationship. People love its power. However, vlookup (hlookup) can only look to the RIGHT (downward?) of the column (row) you're us...
by Texanbybirth
Wed Sep 04, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you receive out-of-sequence pay bumps?
Replies: 56
Views: 3291

Re: How often do you receive out-of-sequence pay bumps?

I haven't received an in-sequence raise in 3 years. It has been 5 since I got an "out-of-sequence", which was a promotion. :beer
by Texanbybirth
Wed Sep 04, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Excel - Arrival of XLOOKUP
Replies: 12
Views: 2363

Re: Excel - Arrival of XLOOKUP

Per Microsoft's function support webpage for this function: Note: August 28, 2019: XLOOKUP is currently a beta feature, and only available to a portion of Office Insiders at this time. We'll continue to optimize it over the next several months. When XLOOKUP is ready, we'll release it to all Office I...
by Texanbybirth
Fri Aug 30, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle
Replies: 51
Views: 3238

Re: Side Hustle

2. Toying with the idea of starting a consulting job for companies looking to develop some BI solutions, I do this full time in my current role and still find it to be absolutely enjoyable. What are "BI solutions?" Business Intelligence- I have experience with data structuring, cleaning, modeling a...
by Texanbybirth
Fri Aug 30, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Baby Gift Suggestions
Replies: 14
Views: 747

Re: Baby Gift Suggestions

We just had our third 5 months ago. Diapers and wipes (assuming they don't do cloth) are ALWAYS welcome. The Target giftcard idea is also on point, as is a bottle of wine and organizing a meal train.
by Texanbybirth
Fri Aug 30, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Negotiating on this Specific Truck
Replies: 20
Views: 2163

Re: Negotiating on this Specific Truck

$12k off sticker isnt a bad deal but some minor wiggle room is definitely there. I tend to agree here and I'm a really strong negotiator when it comes to buying vehicles. I might offer a couple g's less and wiggle up from there. Try to get some all-weather mats and spray in bedliner thrown in. If y...
by Texanbybirth
Thu Aug 29, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 116
Views: 8338

Re: Coffee becomes cold too soon

Go to your closest Walmart and get one of these: https://www.walmart.com/ip/Ozark-Trail-20-Ounce-Double-Wall-Vacuum-Sealed-Tumbler/980790838 Coffee stays hot for 4,5,6 hours. The tech in these tumblers is great. Yeti, Arcteryx, Pelican, Ozark Trail, they all function very similarly. Hot stays hot. ...
by Texanbybirth
Thu Aug 29, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: What makes your dream house so special?
Replies: 41
Views: 3185

Re: What makes your dream house so special?

My wife and kids live there.

(Maybe a distant second is the neighbor who lets us use his pool, so we don't have to build one ourselves. :happy )
by Texanbybirth
Wed Aug 28, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: paying off 15 year vs 30 year fixed rate mortgage
Replies: 53
Views: 3568

Re: paying off 15 year vs 30 year fixed rate mortgage

4 years into a 30-year mortgage: For our income and house price (4.125% rate, purchase price 2.5x annual income, with 20% down) our choice was between a 15-year mortgage and putting only 5% to my 401k, and a 30-year mortgage and putting 15% to my 401k, with some additional Roth and taxable savings. ...
by Texanbybirth
Tue Aug 27, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: HDHP with pregnancy a good idea?
Replies: 13
Views: 1170

Re: HDHP with pregnancy a good idea?

Just recently had our 3rd, and we're on a similar-sounding HDHP, though my company covers all premia. You will for sure hit your deductible (assuming a regular hospital birth), and you may hit your OOP max. That OOP Max is super high, are you sure that's for each individual or family? For instance, ...
by Texanbybirth
Mon Aug 26, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: American Express continues to ask for my income
Replies: 68
Views: 5478

Re: American Express continues to ask for my income

I find their pop-ups for me being pre-approved for a loan WAY more annoying, as those also show up each time I login.

I use their iPhone app almost exclusively now, with the above as a contributing factor. Still love our AMEX card, though.
by Texanbybirth
Mon Aug 26, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Learning Accounting (question)
Replies: 14
Views: 1092

Re: Learning Accounting (question)

Good morning all- I'm learning Accounting from a newer textbook that I like. One idea I can't wrap my head around is in the beginning when classifying transactions, Sales and Expense transactions fall under Owner's Equity. Then when the text introduces Chart of Accounts, it has a section Owners Equ...
by Texanbybirth
Thu Aug 22, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Buying used car (another one of those threads!)
Replies: 21
Views: 1305

Re: Buying used car (another one of those threads!)

Have you looked at a Yaris iA? I'm 5'10" and it's okay for me. Off the lot brand new less than $12k. Depends on your use case, but I expect the car to be in our family for 10 years easily with no issues. (With 3 little kiddos we also have a Honda Odyssey "people mover". The Yaris is just my commuter...
by Texanbybirth
Thu Aug 22, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9 - 3rd Generation
Replies: 50
Views: 3680

Re: iPad Pro 12.9 - 3rd Generation

Email and web browsing /email best on tablet - 95% of my electronc device use . I would cry if I had to type out emails on a touchscreen. But, that's why all these different types of gadgets are out there, everyone can get the thing that works best for them :) Ditto. We have a tablet, literally the...
by Texanbybirth
Thu Aug 22, 2019 12:22 pm
Forum: Investing - Theory, News & General
Topic: We want all-in-one balanced ETFs. Where are they?
Replies: 34
Views: 2441

Re: We want all-in-one balanced ETFs. Where are they?

iShares has them. Look up AOA or AOM, for instance.
by Texanbybirth
Thu Aug 22, 2019 6:56 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17045

Re: White collars- How much is your work downtime?

So, it appear that many people have the same amount of down time as a stay at home parent with school age children. Unless those school-aged children are homeschooled, in which case my wife works literally from 6:30a to 8p. She used to get an hour break for nap time, but when our oldest dropped the...
by Texanbybirth
Wed Aug 21, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody else enjoy sitting around and doing little in retirement?
Replies: 70
Views: 8251

Re: Anybody else enjoy sitting around and doing little in retirement?

TomatoTomahto wrote:
Wed Aug 21, 2019 2:02 pm
...at the end of the day, I fall asleep without difficulty.
I think that's the sign of a life well-lived on several levels.
by Texanbybirth
Wed Aug 21, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17045

Re: White collars- How much is your work downtime?

I would ask for a little bit of clarity on the OP's definition of "downtime", A downtime during work: When you create/read Boglehead post(s) during the work time, using the company's computer! :D Yep - if you look at my own posting history, I'd wager at least 95% of my posts are between 8am - 5pm, ...
by Texanbybirth
Wed Aug 21, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: How do you get billed for child's college when not enough cash?
Replies: 50
Views: 4127

Re: How do you get billed for child's college when not enough cash?

For my grad degree, I always paid my tuition at the Bursar's office, with a check. The money could have gotten into my checking account from work, loans, credit card cash advance, or some other method. The net amount due was pretty clear on the bill each beginning of the semester, adjusted as it was...
by Texanbybirth
Wed Aug 21, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17045

Re: White collars- How much is your work downtime?

This thread is incredible. It's like my "oh, you too?!" moment. :beer

I would ask for a little bit of clarity on the OP's definition of "downtime", though I'm guessing the colloquial definition is good enough.
by Texanbybirth
Wed Aug 21, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Are there advantages to being married to a teacher?
Replies: 111
Views: 7106

Re: Are there advantages to being married to a teacher?

One perk if you teach at a private school, at least in my area, is your kids can get free or greatly reduced tuition and possibly preferential treatment for admission. That was one of the most difficult decisions for us when my wife became a SAHM. The tuition at the Catholic HS she taught at is cur...
by Texanbybirth
Tue Aug 20, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 10569

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Tried Talenti double dark chocolate with my wife last night. Wow, that stuff is good.
by Texanbybirth
Tue Aug 20, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Life Advice: deciding what you want to do.
Replies: 49
Views: 4695

Re: Life Advice: deciding what you want to do.

Have you ever held a job for pay for at least 6 months? If not, just get any job and start working! Please read this perspective on following your passion: do the work first https://www.careercontessa.com/advice/why-passion-isnt-everything/ Where? Work at Starbucks, as a janitor, in a sales job, an...
by Texanbybirth
Tue Aug 20, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Front load washer mold
Replies: 30
Views: 2789

Re: Front load washer mold

Ugh, have front load washers improved their front gasket issues getting moldy? Seems gasket replacement is tedious and also doesn’t fix the issue long term for the same unit. Had an LG for 5 years that works fine, but the wife is ready to replace just in the hopes of improvement in gaskets and mold...
by Texanbybirth
Tue Aug 20, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Choosing Between Jobs (Career Advice)
Replies: 21
Views: 693

Re: Choosing Between Jobs (Career Advice)

No way would I change jobs with a (first?) baby due in 3 months that would result in a 2 hour commute. What does your wife think about the options? How does the $97k satisfy your goals/expenses, especially dropping to 1 income? If it's even remotely satisfying current goals, then go with Option 1. A...
by Texanbybirth
Sun Aug 18, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: How to read (and retain)?
Replies: 92
Views: 5591

Re: How to read (and retain)?

The book that you need to read is aptly titled "How to Read a Book" by Mortimer Adler. It should be required reading for everyone in high school. I cannot recommend it highly enough. You will learn to ask the right questions of books, how to skim, outline, and generally attack a book to engage "in ...
by Texanbybirth
Sat Aug 17, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: How are you finding "no cost" refis?
Replies: 20
Views: 2367

Re: How are you finding "no cost" refis?

Thanks MathWizard, that makes more sense. I'm fine with bringing some cash to the table or rolling it up into the loan. I don't have a huge preference. I've worked with the MtgProfessor website calculators to closely evaluate the breakeven time on the new loan, and it's well within our current plans...
by Texanbybirth
Sat Aug 17, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Go for new job (more pay but travel) or stay?
Replies: 65
Views: 3749

Re: Go for new job (more pay but travel) or stay?

Wife prefers I not take it In your circumstances I would not take the job. I know too many families where the husband (you could say "spouse" but it's usually the husband in the situations I'm familiar with) travels that much and it has really taken a toll on them. It's an even more obvious answer ...
by Texanbybirth
Sat Aug 17, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: How are you finding "no cost" refis?
Replies: 20
Views: 2367

How are you finding "no cost" refis?

We're strongly considering going from a 30y mortgage (4y in) to a 15y, rate would go down from 4.125% to 3.125%. (We're not interested in a new 30-yr mortgage.) I see some people posting about "no-cost refis", but I can't find anything. I'd be willing to post my zip code if someone wants to find one...
by Texanbybirth
Fri Aug 16, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: 10 Year Cost of Owning My CR-V
Replies: 41
Views: 3590

Re: 10 Year Cost of Owning My CR-V

Very cool post, thanks for being so meticulous. In my experience (granted it doesn't include a CR-V) the $6k in maintenance, even including all the items you did, over 10 years seems high. $6k seems reasonable to me for 110k miles Edmunds says maintenance on a 2019 CRV would be $4,321 over 5 years....
by Texanbybirth
Fri Aug 16, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: 10 Year Cost of Owning My CR-V
Replies: 41
Views: 3590

Re: 10 Year Cost of Owning My CR-V

Very cool post, thanks for being so meticulous. In my experience (granted it doesn't include a CR-V) the $6k in maintenance, even including all the items you did, over 10 years seems high. $6k seems reasonable to me for 110k miles Edmunds says maintenance on a 2019 CRV would be $4,321 over 5 years....
by Texanbybirth
Fri Aug 16, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a graduate data science job offer, or doing a MSc in Statistics
Replies: 34
Views: 2184

Re: Taking a graduate data science job offer, or doing a MSc in Statistics

Take the job and get the master's part-time. Bonus if your soon-to-be employer will cover any tuition. Don't take any time off. You could be done in 18-months easy. You may even want to get a PhD in 3-5 years, even better!
by Texanbybirth
Fri Aug 16, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 10569

Re: Ponder this, BH's... is Ben & Jerry's worth it?

testing321 wrote:
Fri Aug 16, 2019 2:30 pm
I think the question is, does buying better ice cream or wine motivate you to consume more or less? If the latter, spend more on better.
What if it's the former? :)
by Texanbybirth
Fri Aug 16, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: 10 Year Cost of Owning My CR-V
Replies: 41
Views: 3590

Re: 10 Year Cost of Owning My CR-V

Very cool post, thanks for being so meticulous. In my experience (granted it doesn't include a CR-V) the $6k in maintenance, even including all the items you did, over 10 years seems high. I'm not sure if that's a function of the type of car, the brand, or something else, and I would expect ongoing ...
by Texanbybirth
Fri Aug 16, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 10569

Re: Ponder this, BH's... is Ben & Jerry's worth it?

I'm the only native Texan I've met who thinks Blue Bell is disgusting. It's a good thing I can stand up for myself because that opinion regularly gets me in a lot of trouble, but I've had 34 years worth of suffering Blue Bell at parties and family get togethers and BBQs to form it. I was over the m...