Search found 776 matches

by Texanbybirth
Mon Jun 18, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 57
Views: 4129

Re: how to make friends in new location?

Since you mentioned Catholicism, how about your new parish church? Maybe even talk with the pastor about groups that your wife might find interesting. Also, I agree with the dog-walking. We don't have a dog, but we love chatting with our neighbors who are out walking their dogs. The kids get to play...
by Texanbybirth
Mon Jun 18, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 126
Views: 5623

Re: Which Supermarket are you?

Kroger
by Texanbybirth
Fri Jun 15, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest $50K+ down payment money for five years?
Replies: 49
Views: 3909

Re: Where to invest $50K+ down payment money for five years?

The poster livesoft suggested a while back that we invest our house downpayment until we were ready to move. If I had listened to him, we'd have had about $15k more money in our down payment. (Our window wasn't as long as 5 years either.)

I'd wait to see what his advice is now. :happy
by Texanbybirth
Fri Jun 15, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 143
Views: 9501

Re: Which boglehead rule do you break--and are ok with

We also don't have life insurance, despite having a one-year-old. It's been on my to-do list, but who has the time? While not a BH rule I think this is one I wouldn't delay and I would make time. I'll second that life insurance should be a priority once children are in the picture. FWIW, I would re...
by Texanbybirth
Fri Jun 15, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Too much house vs. just enough
Replies: 38
Views: 3329

Re: Too much house vs. just enough

You haven't given a great overall picture of your finances to help us advise you. An extra $110k is a lot of money for my family. However, we NEED a four bedroom house. Is it a lot of money for y'all? Doesn't sound like you've identified a NEED for the fourth bedroom, though you did mention a larger...
by Texanbybirth
Fri Jun 15, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review for Millenial
Replies: 26
Views: 1672

Re: Portfolio Review for Millenial

I would not be in a hurry to pay off a 15 year mortgage. I would be investing that extra money. You are in the share accumulation phase. By investing more in your 20’s, it could end up changing your retirement account by hundreds of thousands. The effects of compounding can really have a large effe...
by Texanbybirth
Fri Jun 15, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 143
Views: 9501

Re: Which boglehead rule do you break--and are ok with

We probably break #3 above because our 30-year mortgage (PITI) is 35% of take home pay: after taxes, 401k, and HSA/FSA (which is spent). No, that is #2 if the consequence is that you are not saving and investing, but you aren't saying that. Anyway, contrary to some people's opinion, building equity...
by Texanbybirth
Fri Jun 15, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6516

Re: can we afford to spend $20K on travel annually

Yes, you can. If you plan to stay for the pension (at 60), I'd venture to say you could double that spending.

:sharebeer
by Texanbybirth
Fri Jun 15, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 143
Views: 9501

Re: Which boglehead rule do you break--and are ok with

We probably break #3 above because our 30-year mortgage (PITI) is 35% of take home pay: after taxes, 401k, and HSA/FSA (which is spent).

I also tried #5 with cryptocurrencies (Litecoin->Ethereum->broke) and got burned. Thankfully only lost ~$400.

:beer
by Texanbybirth
Thu Jun 14, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 4705

Re: How do you celebrate (potty trained kid) milestone with your spouse?

Following up here, I was inspired by the Golden Q-Tip to see about getting a diaper bronzed / mounted... apparently they are too absorbent. We went out for dinner at the local French restaurant, but I’m still examining the idea of a more tangible commemoration. Good for you. I'm glad you didn't let...
by Texanbybirth
Thu Jun 14, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3529

Re: Non-alcoholic drinks for wedding

Iced Tea (sweet and unsweet, maybe some peach flavored stuff as a third option - at least down here during the summer!), regular and diet soft drinks (Dr Pepper of course), coffee and (possibly) hot tea. If there will be lots of children, I like the idea of a ____-float or milkshake bar. That will g...
by Texanbybirth
Wed Jun 13, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement
Replies: 74
Views: 6966

Re: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement

It's worth mentioning that Millennials are projected to inherit something like $30 trillion dollars in assets from aging Boomers. I wonder if that might change some of their plans for housing, kids, and so on? Not likely. We'd need the expiration date for the knowledge of an inheritance to be usefu...
by Texanbybirth
Wed Jun 13, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement
Replies: 74
Views: 6966

Re: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement

I didn't really sense a lot of animosity between millennials and boomers in the article, aside from the poor woman's lament who wanted some "grandbabies" - a purely natural desire. I feel bad for the boomers who only had 1 or 2 kids, but expect 4 or 5 grandkids. It just doesn't seem like that's gonn...
by Texanbybirth
Tue Jun 12, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11086

Re: Are you including SS in your planning model? Are the benefits really that high?

Grt2bOutdoors wrote:
Tue Jun 12, 2018 11:58 am
Bills aren't paid by hopes and dreams except in a fairytale.
What fairy tales do you read where they talk about paying bills?
by Texanbybirth
Tue Jun 12, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11086

Re: Are you including SS in your planning model? Are the benefits really that high?

It's not at all hard to check at ssa.gov. That's a good point. If you go through the setup process for your account on the SSA website, they actually have your earnings record already. You could then use that info and a good calculator (and 5 minutes of your time) to get an accurate estimate of you...
by Texanbybirth
Tue Jun 12, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11086

Re: Are you including SS in your planning model? Are the benefits really that high?

I definitely plan on it being there, but I haircut the projected benefit to between 50-70% of what my annual SSA statement says. (What percent I choose depends on how pessimistic my mood is that day.) It will be a not-so-insignificant portion of our retirement spending. I'm pretty sure it's one of t...
by Texanbybirth
Mon Jun 11, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 4705

Re: How do you celebrate (potty trained kid) milestone with your spouse?

A good bottle of wine ($20-$25 for us), or a dinner out (possibly without kids) at our favorite tex-mex place with amazing margaritas. One of the best things about marriage is celebrating these kinds of things with my wife. :D My son once had an explosive poo during diaper changing that splattered a...
by Texanbybirth
Fri Jun 08, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 10006

Re: Why do we work?

I work to support my wife and children, through whom I see my vocation and path to Heaven. (Religion talk is frowned upon here, so I don't want to be too technical.) I also get to express my creativity on occasion. :D I can't answer the question for your friend, but I know in my family we have pract...
by Texanbybirth
Wed Jun 06, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Moderate: Keep, move, or go 3 fund?
Replies: 20
Views: 1745

Re: Vanguard LifeStrategy Moderate: Keep, move, or go 3 fund?

Keep it and start adding to VASGX (LS Aggressive) instead. When the balances are equal, your AA would be 70/30. As you continue to invest in it, and leave the other money to be, your AA will float closer to 80/20.

I'm a huge fan of the LS funds, so of course the answer above is biased. :beer
by Texanbybirth
Wed Jun 06, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 433
Views: 50344

Re: How much money do you want to retire?

I turn 54 this month and I don't have a number. Whatever number it is I will make it work when I either get laid off or leave voluntarily. Hope I get to leave on my own terms. I'm 33, but otherwise agree with your post. I have no clue what our "number" is, partly because we're still a young family ...
by Texanbybirth
Mon Jun 04, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 273
Views: 12419

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

OP, have you thought about being an astronaut? From the assessment in this thread, I think you've got just about equal chances, eh? :D Joking aside, I applaud your drive and even the way you've handled the mountain of "bad news" regarding your original post - a very mature conversation. I'm rooting ...
by Texanbybirth
Fri Jun 01, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: VASGX with 25-30 year investment plan. Looking for advice. [Vanguard LifeStrategy Growth]
Replies: 31
Views: 2356

Re: VASGX with 25-30 year investment plan. Looking for advice. [Vanguard LifeStrategy Growth]

Yes, VASGX is fantastic. As the infomercial says, "you set it and you forget it"! Pull the trigger today and don't look at it for 25 years. Okay maybe once a year read the prospectus to make sure nothing has changed, but seriously leave it alone. Your 25-year-older self will thank you. :beer
by Texanbybirth
Thu May 31, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Splurging on the NBA finals
Replies: 56
Views: 4993

Re: Splurging on the NBA finals

If this were hockey, I'd go in a heartbeat. I'm not a basketball fan at all, but if your other goals are on track and this won't put you or your family in bad spot for groceries or something, then I'm all for it. If not, why in the world are you saving all this money??

:beer :moneybag
by Texanbybirth
Thu May 31, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Vehicle Advice for new Boglehead (4Runner)
Replies: 45
Views: 2279

Re: Vehicle Advice for new Boglehead (4Runner)

No, there aren't any circumstances where buying that vehicle makes sense for you.
by Texanbybirth
Thu May 31, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2424

Re: Enterprise vs Avis

They seem to be similar in all the cities where we've rented cars - PHL, MSP, Orlando, Tampa, Corpus Christi. For somewhere like Orlando, to which we travel a lot, I prefer the big boys because they're located on the ground level of the airport garage, not to mention on terminal instead of a shuttle...
by Texanbybirth
Thu May 31, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Citi Slashes Card Benefits at least on Double Cash cards
Replies: 27
Views: 3017

Re: Citi Slashes Card Benefits at least on Double Cash cards

Nate79 wrote:
Thu May 31, 2018 10:30 am
Texanbybirth wrote:
Thu May 31, 2018 8:23 am
Also got the same e-mail last night about our AA Citi MC.
Strange. I have both the Dividend and the AA and only got the email for the Dividend card.
We have the "Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard® card". Edited my earlier post to clarify.
by Texanbybirth
Thu May 31, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Citi Slashes Card Benefits at least on Double Cash cards
Replies: 27
Views: 3017

Re: Citi Slashes Card Benefits at least on Double Cash cards

Also got the same e-mail last night about our AA Citi MC.

ETA: Just to be technical, we have the "Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard® card" according to the e-mail. I would have never known that specific card name. :D
by Texanbybirth
Wed May 30, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 4586

Re: My mind exploded

To give the opposite perspective, as she's 18 and just leaving the house (and we don't know very much about your parenting style or relationship with your daughter), she might not be as much of an adult as other posters believe. Does she know how much groceries for a single girl $155 might buy? How ...
by Texanbybirth
Wed May 30, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 4900

Re: Fitting three young kids in the car...

how about a SUV with captains chairs in middle row to allow easy access to third row seats? What's decent in that category? Buick Enclave or its GMC/Chevy equivalent. Also, Diono Radian car seats can fit 3 across in most vehicles. +1 on the Diono. You might give them a shot, at least for the older ...
by Texanbybirth
Wed May 30, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 4900

Re: Fitting three young kids in the car...

how about a SUV with captains chairs in middle row to allow easy access to third row seats? What's decent in that category? Buick Enclave or its GMC/Chevy equivalent. Also, Diono Radian car seats can fit 3 across in most vehicles. +1 on the Diono. You might give them a shot, at least for the older ...
by Texanbybirth
Thu May 24, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Buying Crypto tokens in private sale prior to ICO
Replies: 21
Views: 1272

Re: Buying Crypto tokens in private sale prior to ICO

Figure out how much money you'd be comfortable flushing down the toilet (don't forget the effort to use a plunger to unclog the pipes), and that's the amount I would recommend you invest in this. The part in parenthesis is hyperbole. If a crypto wallet is deleted or just ignored/misplaced, it's no ...
by Texanbybirth
Thu May 24, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Buying Crypto tokens in private sale prior to ICO
Replies: 21
Views: 1272

Re: Buying Crypto tokens in private sale prior to ICO

Figure out how much money you'd be comfortable flushing down the toilet (don't forget the effort to use a plunger to unclog the pipes), and that's the amount I would recommend you invest in this. They have some pitch on their platform but it is way too complicated gibberish for me to understand. Tha...
by Texanbybirth
Wed May 23, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Three steps forward, two back with saving
Replies: 26
Views: 3341

Re: Three steps forward, two back with saving

Looks like you are managing and planning your financial lifestyle very well. Your savings rate is high. From reading your posts it seems your difficulties could come from "unplanned non-emergency expenses". There is not much that you can do about them, they will come. You could try to cashflow them...
by Texanbybirth
Wed May 23, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6009

Re: How have you upgraded your wardrobe?

Where are all these jobs that let you wear jeans? :confused I would love to wear my Wal-Mart Wranglers all day everyday. (I even sleep in them occasionally.) Apparently I missed the Life mini-lotto... I've never worn anything other than jeans for my entire 20 year career. I also would never take a ...
by Texanbybirth
Wed May 23, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Three steps forward, two back with saving
Replies: 26
Views: 3341

Re: Three steps forward, two back with saving

Treat car savings as a car payment, it goes into an account and you're not allowed to touch it. $300-$500/mo should be good. You might need to revisit your budget to add "repairs" accounts: car repairs, home repairs (Divide the value of your home by 100, then divide that by 12 and set aside that amo...
by Texanbybirth
Tue May 22, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 5687

Re: Florida Living

I second the Melbourne and St Augustine suggestions. There's nothing like Gulf Shore beaches, but for livability I'd choose the Atlantic side. (We have family on that side, so I'm biased.) I'd move to either one in a heartbeat. (Don't look at Orlando for "easy access" to beaches. It's not an easy or...
by Texanbybirth
Tue May 22, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a new car?
Replies: 46
Views: 2919

Re: Should I buy a new car?

thangngo wrote:
Tue May 22, 2018 10:27 am

No you should not buy a new car. Maintain your current car and drive it as long as you can.

Come back in 10 years and we will reevaluate.

:beer
+1
by Texanbybirth
Tue May 22, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Difficulty with Parents-In-Law
Replies: 25
Views: 1495

Re: Difficulty with Parents-In-Law

3. The Whole Life Insurance became my wife's at 21. So while yes, my MIL pays the premiums, it's my wife's. I see that as under our financial house. I'd even take over the payment if necessary...only to terminate it in a few months after the smoke had cleared. That wasn't an option though. So no, i...
by Texanbybirth
Tue May 22, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6009

Re: How have you upgraded your wardrobe?

Where are all these jobs that let you wear jeans? :confused I would love to wear my Wal-Mart Wranglers all day everyday. (I even sleep in them occasionally.) Apparently I missed the Life mini-lotto... It's jeans here on Fridays, otherwise khakis and polos (including the c-level execs). The only tim...
by Texanbybirth
Tue May 22, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 134
Views: 9210

Re: Dave Ramsey it or keep low interest debt

Thanks for all the great responses. I knew I could count on this community to help me think through this from all angles. I think I’ll keep and payoff as scheduled; especially given my online banking account pays more than the weighted APR of the cars I’ll also ensure I never borrow money again. Th...
by Texanbybirth
Tue May 22, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6009

Re: How have you upgraded your wardrobe?

Where are all these jobs that let you wear jeans? :confused I would love to wear my Wal-Mart Wranglers all day everyday. (I even sleep in them occasionally.) Apparently I missed the Life mini-lotto... If you work at home, you can wear your pajamas. I do work at home, I just don't get paid for that ...
by Texanbybirth
Tue May 22, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6009

Re: How have you upgraded your wardrobe?

Where are all these jobs that let you wear jeans? :confused I would love to wear my Wal-Mart Wranglers all day everyday. (I even sleep in them occasionally.)

Apparently I missed the Life mini-lotto...
by Texanbybirth
Tue May 22, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6009

Re: How have you upgraded your wardrobe?

I used to wear exclusively Geoffrey Beene dress shirts (still do), but I really like the feel of Tommy Hilfiger button-down long-sleeve dress shirts. The fabric feels...heavier/stronger/je ne sais quois, without being hot. We can usually get them at Macy's for $20-$30, so I'm not sure if that's "upg...
by Texanbybirth
Mon May 21, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12191

Re: done with Gmail

I can't help with getting off of Gmail (I like it), but your post did remind me to print off my recovery codes for my account. So thank you for that.
by Texanbybirth
Fri May 18, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Moving to Texas - [Request for clothes, car window tint] recommendations
Replies: 42
Views: 3138

Re: Moving to Texas - [Request for clothes, car window tint] recommendations

I'm as comfortable in jeans, a shirt, and flip flops, as I am in jeans, a shirt, cowboy boots and my cowboy hat. (Get a good pair, people that don't have them don't know what they're missing.) For the office, I like cotton button downs or polos, and (non-iron) khakis or wool blend pants (washable wo...
by Texanbybirth
Wed May 16, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 30
Views: 3357

Re: Unique Phone Apps that you find yourself using most often?

Apple News, Runtastic, Pandora, NextDoor, several Christian prayer apps, puniverse
by Texanbybirth
Tue May 15, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Interesting/Playful ideas for 1 year baby
Replies: 37
Views: 1632

Re: Interesting/Playful ideas for 1 year baby

Sounds like you're doing great. It's fine to take the baby with you places (grocery store, park, library [though most close pretty early], Church, friends' houses), too. Blocks, magnets, balls, water table, large toy vehicles, stuffed animals, books - anything that can't be swallowed is fun with kid...
by Texanbybirth
Tue May 15, 2018 9:51 am
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9848

Re: Yes, I'm 89 all right!

Wow, so cool! I just have to get in here for posterity's sake.

Thank you Mr. Bogle, and God bless you!
by Texanbybirth
Tue May 15, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Can a <median household save 1 year of expenses every year?
Replies: 158
Views: 8099

Re: Can a <median household save 1 year of expenses every year?

OP, I think you have your answer. I've often wondered if there are any bloggers out there in the low income brackets. A blog with the title "The Minimum Wage Family" or "Minimum Wage Finance Buff" has a nice ring to it. ("Nice ring to it" from my cushy office job with a warm cup of coffee, I mean.) ...
by Texanbybirth
Mon May 14, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 7792

Re: Is there a boglehead muscle car?

I think it's about " investing advice inspired by Jack Bogle," not fashion or lifestyle advice. But, of course, according to the Vanguard cost comparison tool , the savings on 0.15% expense ratio instead of 0.75%, for a year 2050 target-date fund, on a $500,000 portfolio, over 10 years, assuming 6%...