Search found 828 matches

by Texanbybirth
Mon Aug 20, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: How much clothing do you need to get by?
Replies: 13
Views: 877

Re: How much clothing do you need to get by?

Sounds good to me. Wranglers are my new favorite jeans. I had Levi's for decades, but these Wranglers are just amazing, even brand new they were great! Got them at Target for $17. I get t-shirts from various charitable events, so I've never bought a t-shirt - probably have about 12 right now. Unders...
by Texanbybirth
Mon Aug 20, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else seen huge rise in TX insurance costs?
Replies: 13
Views: 807

Re: Anyone else seen huge rise in TX insurance costs?

Dallas-area: our Homeowners did go up about 9%, but nothing on auto. Just a cost of living in this great state. :beer
by Texanbybirth
Fri Aug 17, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 27
Views: 2044

Re: Tipping lawn service and trash pickup

Yes, I tip people all the time. Just do it.

(As you can see, people have all kinds of whacky ideas about (not) tipping, which is why I never accept non-financial advice on this board without a whole slab of salt.)
by Texanbybirth
Fri Aug 17, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Do we really need to save 20 % ?
Replies: 28
Views: 2738

Re: Do we really need to save 20 % ?

Glad to see OP returned to the thread to say they have decided to stay with the plan to save 20% down. You're saving more in a month for a house DP than I make. :D I'm certainly not of the "happy wife, happy life" mentality, but in this case she's right. You're also getting valuable insight into the...
by Texanbybirth
Thu Aug 16, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 7242

Re: Retire in Florida or Alabama?

The beaches from Gulf Shores Al through the Florida panhandle are absolutely gorgeous They are gorgeous. That is not all year round beach weather though. I remember going to Destin in November and wearing a sweater on the beach. Nothing wrong with that if you've ever been to that same beach in Augu...
by Texanbybirth
Wed Aug 15, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Newly Married and Hoping to Start on the Right Foot
Replies: 22
Views: 1431

Re: Newly Married and Hoping to Start on the Right Foot

Congrats on the marriage, and a home purchase with solid down payment. Nice to see fellow Boglehead that prioritizes giving. You should think about whether it's fair to the relative that is loaning you $24k at 0%, so you can put $500 into taxable. I would focus on paying off all the debts before an...
by Texanbybirth
Wed Aug 15, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3074

Re: Best consumer products - made in USA

Two brands we love off the top of my head:

Allen Edmonds shoes
Fiesta Dishware
by Texanbybirth
Tue Aug 14, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Railroad Retirement vs Social Security
Replies: 13
Views: 1223

Re: Railroad Retirement vs Social Security

Had a friend in your situation, and he left the RR. He seems to be kicking himself everyday. I'm sure there are examples of people the exact opposite of his, and his hours were not the best (I believe it was 12 hours shifts 3-4 days/wk), but we have discussed his choice numerous times over the years...
by Texanbybirth
Tue Aug 14, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2186

Re: Travel over thanksgiving holiday, drive or fly?

Fly out late Thursday or early Friday, and come back Sunday morning - I won't say red-eye but give yourself time for delays. Total air(port) time (given no delays) is less than a one-way drive. As others have said, this is the busiest time of the year to travel (we're traveling this weekend, too, so...
by Texanbybirth
Fri Aug 10, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: First time taking kids to airport..
Replies: 28
Views: 2266

Re: First time taking kids to airport..

Those red bags to put over your car seats are a must. No airline is going to cover your car seat for you. We use them on two car seats (1.5yo and 3yo) when we travel. One we've had for 3 years, been through dozens of trips, and it's still going strong. We always take the stroller through the airport...
by Texanbybirth
Fri Aug 10, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: VTHRX idea as Target Retirement funds
Replies: 9
Views: 703

Re: VTHRX idea as Target Retirement funds

Thank you... if i am going aggressive with a retirement date plan then i relooked at some funds. i am also reading and digesting most of your views. i saw two funds form vanguard that are 3/5 on risk. VBINX and VSMGX... which one would be a better fit based on the above strategy as they seem to hav...
by Texanbybirth
Fri Aug 10, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 7716

Re: Should I tell my family/friend that they are making a financial mistake?

I told my family to not invest in cryptos in December of last year, at least not more than they could throw in the trash. None of them listened, and all of them lost money. (I've posted multiple times on BH that I also lost $500, which I can't just throw away but it didn't hurt.) This was solicited ...
by Texanbybirth
Fri Aug 10, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 8994

Re: Biggest Threats to Financial Well-Being

HomerJ wrote:
Thu Aug 09, 2018 11:59 pm
deltaneutral83 wrote:
Thu Aug 09, 2018 10:40 am
College choice- Spending $150k on a degree that can be had for $40k will teach you compounding interest in reverse real quick.
“You wasted $150,000 on an education you coulda got for $1.50 in late fees at the public library.”

-Good Will Hunting.

:)
Nice.
by Texanbybirth
Thu Aug 09, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 6904

Re: Minivan Vs SUV Experience

Car and Driver ranks the Volvo XC90 as 4.5 / 5.0 and awards it the editor's choice. C&D takes paid advertising. CR does not. May or may not be an issue, but advertising income could potentially color reviews and recommendations. People say that but there is a much simpler explanation. C&D is a moto...
by Texanbybirth
Thu Aug 09, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 8994

Re: Biggest Threats to Financial Well-Being

Peer pressure. This one's a big problem for many people in my line of work. Too much house. Vacation house. Too much car. Buying a boat when one is not anything close to being wealthy. Student loans. I like this list, and it seems to imply a more basic rule (the breaking of which would be a threat)...
by Texanbybirth
Thu Aug 09, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 14377

Re: Will you pay for your kids' college/graduate education?

I started this thread because my wife and I had differences on how much to support our kid's higher education (6-10 yrs away). The difference btw us was close to $250k times 2 kids, which would be significant % of our liquid net asset. After reading all your posts, we made a preliminary decision to...
by Texanbybirth
Thu Aug 09, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Huge mortgage mistake
Replies: 58
Views: 8441

Re: Huge mortgage mistake

Is the reason you didn't put 20% down because if you did you wouldn't have an adequate emergency fund - say 3-6-12 months expenses? If so, maybe you did bite off a bit more than you can chew, and you shouldn't just burn through all your cash renovating/paying down early. If that's not the reason, an...
by Texanbybirth
Wed Aug 08, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 6933

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

I’m starting to see a trend in early 30s individuals who submit questions such as this, heck I know for a fact I have submitted at least two over this topic. Is this something everyone 30 year old goes through, the “is this it” phase? I’m in a similar situation, besides the amazing pay (mine is goo...
by Texanbybirth
Wed Aug 08, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 14377

Re: Will you pay for your kids' college/graduate education?

As far as we have the means to pay for it we will.
by Texanbybirth
Tue Aug 07, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage instead of contributing to 401k?
Replies: 61
Views: 3932

Re: Pay off mortgage instead of contributing to 401k?

I think KF is taking the OP through a really important exercise in this thread. And it's refreshing to see that OP is responsive and considerate of the help.

This is what I love about BH. :beer
by Texanbybirth
Mon Aug 06, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should I close a newly opened card that I no longer use?
Replies: 18
Views: 931

Re: Should I close a newly opened card that I no longer use?

I wouldn't keep it, ESPECIALLY with a fee. Some companies say you can't earn rewards again for 24 months after you open or CLOSE an account (though they don't seem to be as strict on the closing part), so if you want to cycle this one every two years it might be even more worth it. We do this a coup...
by Texanbybirth
Wed Aug 01, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Durable Dress Shoes for Commute
Replies: 36
Views: 2172

Re: Durable Dress Shoes for Commute

shoebank.com has been a life saver for me. High quality Allen Edmonds Factory seconds (I have 4-5 pairs and have not once been able to see or notice any type of blemish). Outstanding value. A few pairs I've had for 7-8 years. The next rung down on the Allen Edmonds totem pole is to get "3rds" on eB...
by Texanbybirth
Tue Jul 31, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Any problems with freezer "drawer" models
Replies: 40
Views: 2780

Re: Any problems with freezer "drawer" models

One pro that I haven't seen anyone else mention is that we often put full cookie sheets in the refrigerator to chill until time to use them. I don't do this, but people who sometimes have a party platter of cheese and/or deli meats really like the wide expanses the French doors offer as well. +1 We...
by Texanbybirth
Fri Jul 20, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: High school graduation monetary gift for nephew
Replies: 37
Views: 2075

Re: High school graduation monetary gift for nephew

What's your hunch/gut feeling for an appropriate gift? I don't understand why you wouldn't give $10k (you said it first, not me) if you can. At least this point it would probably change his life more than it would change yours. Is that something you do? No, but I also wouldn’t even say it’s somethi...
by Texanbybirth
Fri Jul 20, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: High school graduation monetary gift for nephew
Replies: 37
Views: 2075

Re: High school graduation monetary gift for nephew

What's your hunch/gut feeling for an appropriate gift? I don't understand why you wouldn't give $10k (you said it first, not me) if you can. At least this point it would probably change his life more than it would change yours.
by Texanbybirth
Thu Jul 19, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up career growth for more time outside of work
Replies: 38
Views: 2791

Re: Giving up career growth for more time outside of work

I came "to terms with that mentality" when I looked at my tiny children and realized I wanted to be there as much as possible for them at every moment of their lives until they were gone. I figure the loss of sleep at the early stages of their life was my first "downpayment" on skipping a lot of oth...
by Texanbybirth
Thu Jul 19, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Can churning negatively affect getting a good mortgage rate?
Replies: 19
Views: 1283

Re: Can churning negatively affect getting a good mortgage rate?

Does your spouse churn also? You could potentially get the mortgage just in her name, and still be on the title and other paperwork. That works here in Texas, I'm not sure about other states. Churning definitely negatively affects your credit score. It never dropped us into the low 700s (qualified f...
by Texanbybirth
Thu Jul 19, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: What is the most severe hyperbolic discounting you have ever acted on?
Replies: 30
Views: 2401

Re: What is the most severe hyperbolic discounting you have ever acted on?

I put things in my Amazon cart and then forget about them until Prime Day is over.

Worked just this week!
Jack FFR1846 wrote:
Thu Jul 19, 2018 7:13 am
How I avoid it....I sleep on it first. Car dealers absolutely love that. :wink:
LOL! :beer
by Texanbybirth
Thu Jul 19, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 75
Views: 11002

Re: I may have understood why it's so hard to save and invest

How much effort could it possibly have taken? I think you need a reality/gut check, as a 2% increase is nothing to snub your nose at or to be discouraged by. As others have said, you've embarked on a LONG (read: lifetime) road. That $1,500 brought you just a little closer. Or next time keep $150 of ...
by Texanbybirth
Wed Jul 18, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 7190

Re: How do you handle the urge to DO something?

So set aside a little bit of play money and see how you do? Or get a hobby that doesn't involve easy access to your online account (read: a computer)? I don't seem to share your extreme "do-er" personality, but regardless I have plenty of other pursuits that keep me from tinkering. I also have a Van...
by Texanbybirth
Tue Jul 17, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 6897

Re: Families - What's your total annual credit card spend?

Probably $35k-$40k, family of 4. (Hopefully soon 5!)

Every cent that we can goes on the CC, paid in full each month of course.
by Texanbybirth
Tue Jul 17, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 11534

Re: New Vanguard Security Code Requirement

It's your prerogative, but I've had 2FA on my Vanguard account from day one and I've never had issues with Mint-syncing. (Strangely, there is always a message on the bottom of our Mint homepage that SAYS there's an issue with Vanguard but the balance and transaction data is always updated. I think t...
by Texanbybirth
Fri Jul 13, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 81
Views: 5537

Re: Would you trade experiences in your youth for early retirement

No, I wouldn't. Very rarely do I go to bed at night with regret either about "experiences" (or even "things" :o ) consumed, or about saving for the future. A big part of me says "you could die tomorrow", yet a not insignificant part of me says "better sock some away just in case you don't." However,...
by Texanbybirth
Thu Jul 12, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3430

Re: Like Lifestrategy Funds but???

Here is Vanguard's take on it, if you care to understand their position in more detail. An allocation to global bond markets gives investors exposure to a greater number of securities, markets, and economic and inflation environments than they would have with a portfolio composed purely of local ma...
by Texanbybirth
Thu Jul 12, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5712

Re: Anyone take naps at work?

You bet I do. When we had our babies, it was vital. I'd do it in my car in the parking garage, though. Never at my desk. (I'd never get uninterrupted sleep that way anyway.) I've got a lunch hour, and as far as I'm concerned can do what I want with it. I don't do it nearly as often now because I get...
by Texanbybirth
Tue Jul 10, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Target date funds....unsophisticated?
Replies: 64
Views: 4787

Re: Target date funds....unsophisticated?

Color me unsophisticated. I've never wanted to be sophisticated anyway. :beer
by Texanbybirth
Thu Jul 05, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 9411

Re: What time do you get up in the morning?

6a every morning. There are many great spiritual masters who have survived on very little sleep, but I'm not a spiritual master. :D I literally do not remember the last time I got up after 8a, though I'm sure it was some time in the last...decade. Like you, my wife and I try to go to bed around 9:30...
by Texanbybirth
Fri Jun 29, 2018 11:54 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 481
Views: 47973

Re: Pulled the trigger and paid off the house today

Congratulations on a paid off mortgage! :beer (I'm super jealous, but still very happy for you.) And congrats on having flesh and blood friends who are Bogleheads. I've always wondered if any one of my friends is on this forum, as I don't talk much about BH specifically (maybe the principles and the...
by Texanbybirth
Fri Jun 29, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Buy used or new Honda Odyssey - specific example
Replies: 24
Views: 1576

Re: Buy used or new Honda Odyssey - specific example

I would stick with the Odyssey, and buy it new. The 2018 Sienna received a ding from IIHS for less-than-good small overlap driver side crash test. It is not a TSP for 2018. The Odyssey is a TSP.
by Texanbybirth
Thu Jun 28, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Is today's furniture market wackier than ever?
Replies: 18
Views: 2476

Re: Is today's furniture market wackier than ever?

ncbill wrote:
Thu Jun 28, 2018 11:26 am
Used furniture (with the exception of MCM) is cheaper than ever.

Picked up several sold cherry pieces at the local Habitat store.

Better-built than nearly anything you'd buy new today.
Agreed, just gotta be willing to look around!
by Texanbybirth
Thu Jun 28, 2018 9:58 am
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?

I think mental health is an almost invisible crisis in America. I'd be willing to pay the bill (directly to the doctor), and keep paying it if she continued to go. (I think there are good and bad psychiatrists and psychologists, so I'd really have to squash my tendency to "evaluate" her psychiatrist...
by Texanbybirth
Thu Jun 28, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6382

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

can you elaborate on the off-road capabiity please? like what specifically can the ridgeline not do that other trucks can? thanks off-road is important to me. The Ridgeline is perfectly capable of going off-pavement, it just can't do heavy-duty off-roading like crawling rocks. It has no low range. ...
by Texanbybirth
Wed Jun 27, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11668

Re: $1 million house--- sanity check

OP, sorry you didn't get this home (even though I advised against it anyway), as I know the slight sinking feeling of seeing a house you were eyeing go off the market. It's definitely for the best, and if it started the conversation in your head (and hopefully between you and your wife) it was worth...
by Texanbybirth
Wed Jun 27, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6382

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

I love my ridgeline. Bought within 6 months of when it first came out and was coming from 12 years in an accord that I put 250k miles on with zero issues so i was kind of a honda loyalist that wanted a truck. The ride is as comfortable as any sedan or SUV I've ever been in. The caveat, it's the bes...
by Texanbybirth
Tue Jun 26, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11668

Re: $1 million house--- sanity check

No way. From a purely financial standpoint, you might be able to afford it, but you'll find yourselves cutting back on something before you know it. The house will come with all the extras: maintenance (who even knows why it's priced so far below the other houses on a per sq ft basis??), taxes, clea...
by Texanbybirth
Fri Jun 22, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: POS Terminals & Tablets [Point of Sale]
Replies: 3
Views: 321

Re: POS Terminals & Tablets

We avoid restaurants that have these. I dislike them very much, for some of the reasons you have mentioned.
by Texanbybirth
Fri Jun 22, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 156
Views: 43569

Re: Is the first 100k really the hardest?

Been trying to get there in my 401k since 2013. Thought it would happen this year, but "noooooo" says Mr. Market. Oh well, keep chugging away and peek once a month.

So I will say it's the hardest. For my family. :beer
by Texanbybirth
Fri Jun 22, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 21112

Re: Can you retire on $2M?

I don't think that's true at all. Certainly it is possible. The median FAMILY income is what, 55k or something? A good reference for this is Table 1 on page 6 of this annual Census publication (for 2016) . This table indicates that in 2016, median household income in the United States was $59k per ...