Search found 942 matches

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: 88
Views: 5762

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: 1734

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: 949

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: 1589

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: 3811

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: 9541

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: 9541

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: 3329

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: 3276

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: 6784

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...
by Texanbybirth
Mon Oct 08, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10590

Re: Talk me out of buying a Tesla Model 3

Yeah, you're crazy. Wait till you're 50 and have saved more money. It's too much for you to spend on a car right now with your income/assets.

(Though, you'll probably still get the car because it's not clear what you're driving now if you sold another car for $40k. Is it a Corolla? :-) I had to...)
by Texanbybirth
Thu Oct 04, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: If you had to choose...
Replies: 7
Views: 817

Re: If you had to choose...

VSMGX, LifeStrategy Moderate for life. :beer
by Texanbybirth
Thu Oct 04, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13249

Re: Correlation between the FIRE movement and one of the greatest bull markets

Is there any correlation between the FIRE movement and the one of the longest/greatest bull markets in recent history? Would this movement have gained as much traction if not for this bull market? What happens to this movement if there is a prolonged retraction of the current bull market? Yes of co...
by Texanbybirth
Thu Oct 04, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 3928

Re: Black suit with dark brown shoes?

NO. Bring the extra shoes and belt. It can't possibly be that much of a hassle to look at least partly well dressed for the dinner.
by Texanbybirth
Wed Oct 03, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: social considerations with gaming credit cards
Replies: 21
Views: 2505

Re: social considerations with gaming credit cards

Who pays the cash back? Merchants. This “free money” is coming from the merchants by a tacked on percentage fee for rewards credit cards. There are lawsuits in existence currently of merchants demanding the right to refuse rewards credit cards. As far as your specific example, I am unsure. But when...
by Texanbybirth
Tue Oct 02, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5361

Re: Root of Good's cost of raising a child: $3,300 per year

This is a fairly wordy write up on their approach to insurance, which is really the only thing I could find on the website. It does mention their children being on CHIP. I'm not sure if that's the same thing as Medicaid, but the comments section reveals that many of his readers are considering the s...
by Texanbybirth
Tue Oct 02, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5361

Re: Root of Good's cost of raising a child: $3,300 per year

I was talking specifically about will thrill's stated expense. Based on his posts, he sounds incredibly bright and he probably married someone just as smart. You're too kind. :beer Yes, my wife is very bright and college educated in an area with strong employment demand. But she has always wanted t...
by Texanbybirth
Tue Oct 02, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5361

Re: Root of Good's cost of raising a child: $3,300 per year

I like posts like this, and I'm a little taken aback by some of the hostility. (Like RM, I do think keeping your income low to benefit from Medicaid is abusing the system. That can't be justified.) We spend more than this per month on our kids, but that's a choice, and I think they benefit immensely...
by Texanbybirth
Tue Oct 02, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Balance Living Life & Savings
Replies: 17
Views: 2094

Re: Balance Living Life & Savings

I just don’t see the need to convert existing house into rental... when you are that “close” cash flow wise... and you could loose the home equity deduction, as well, if rented out too long your retirement savings are way too low for that income, so don’t expect retirement anytime soon, especially ...
by Texanbybirth
Mon Oct 01, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: When the $2000 deductible bites you in the rear end!
Replies: 30
Views: 4142

Re: When the $2000 deductible bites you in the rear end!

You gambled, you lost, but it's apparently not a major financial hit. There are plenty of things going on in the world to feel sick over before I'd feel sick over this. +1 You made a decision to accept a higher deductible in exchange for savings in insurance premiums. You made a conscious decision ...
by Texanbybirth
Fri Sep 28, 2018 8:43 am
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10623

Re: SEC charges Musk with Fraud!!!

MichCPA, do you think there should be some kind of cooling-off period for Mr. Musk? I mean, has he started to show the kind of restraint and humility you would want to see out of him as an "adviser"? If not, I don't think it's proper to put him immediately into that role. In fact, the only thing I'm...
by Texanbybirth
Fri Sep 28, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 6716

Re: New Relationship - Best way to handle finances?

Jack FFR1846 wrote:
Fri Sep 28, 2018 7:40 am
She should re-up the contract at her place. This will not end well.
+1, this smells bad.
by Texanbybirth
Thu Sep 27, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15770

Re: iPhone XS Max

For anyone with the Xs, what kind of battery life are you getting? Hasn't even been a week, I know, but there are some reports that battery life is worse than the X. I'm wondering if on a real-world basis (not some youtube tester) people are getting worse battery life because they're playing with th...
by Texanbybirth
Thu Sep 27, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Am I using facebook correctly?
Replies: 43
Views: 3333

Re: Am I using facebook correctly?

I found the correct way to use both failbook and LinkedIn. I deleted my accounts. +1, just quit Facebook cold turkey and never go back, it's the best solution. +1, yep. The people I meet struggling to "quit" Facebook are probably the best affirmation I've had of quitting several years ago. It's fun...
by Texanbybirth
Wed Sep 26, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15770

Re: iPhone XS Max

BTW, do most people recommend getting some kind of protective cover for this phone? If so, what did you suggest? I really don't want to make this phone bigger. YB I've always had great experiences with Speck cases. They're minimal, but can be quite protective. An Otterbox will give you better prote...
by Texanbybirth
Wed Sep 26, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15770

Re: iPhone XS Max

BTW, do most people recommend getting some kind of protective cover for this phone? If so, what did you suggest? I really don't want to make this phone bigger. YB I've always had great experiences with Speck cases. They're minimal, but can be quite protective. An Otterbox will give you better prote...
by Texanbybirth
Wed Sep 26, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 4694

Re: How to pay for upcoming medical / IVF expenses

People really say very insensitive ignorant things to infertile couples. How about adoption? At least prior to 2018 pretty sure it is deductible to a degree over a few years. Hearing people say, "Have you thought about adoption" or "Why don't you just adopt" is one of the most annoying and unhelpfu...
by Texanbybirth
Wed Sep 26, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15770

Re: iPhone XS Max

a quick charger($74) Just use your iPad charger if you need something faster than the 5W one included: https://www.macworld.com/article/3236904/ios/iphone-power-adapters.html Sweet, thanks. Just got a new iPad Pro and as I was looking at the adapter I thought to myself, "I wonder if anyone has trie...
by Texanbybirth
Tue Sep 25, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4352

Re: Anyone ever tired of managing hair and consider shaving to go bald

No way. I’ve got a great head of hair and I receive compliments on my hair regularly. It takes all of 1 minute in the morning, on a bad morning, to “do” my hair. No gel, no products of any sort, just a quick rinse (if I don’t shower) with a flick of sink water and brush through it. I also buy a bott...
by Texanbybirth
Tue Sep 25, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to direct spouse to use life insurance proceeds if I die first?
Replies: 15
Views: 1052

Re: How to direct spouse to use life insurance proceeds if I die first?

Give him your BH login and password and let him know we're here to help when you're gone. :beer

Okay fine, give him this link, too: https://www.bogleheads.org/wiki/Managing_a_windfall
by Texanbybirth
Tue Sep 25, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: DIYers Taking a Toll
Replies: 50
Views: 6511

Re: DIYers Taking a Toll

I'm glad to hear my approach to investing put your son out of work, and I'm also glad to hear he has started to pursue another career. :happy

I hope this next one is more fruitful! :beer
by Texanbybirth
Tue Sep 25, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2331

Re: Flu shot reaction? Getting flu shot this year?

Never had any sort of reaction, but I always make sure I'm feeling healthy (and have been well over any sickness) before getting mine. Yes, we are all getting the quadrivalent version because my wife is pregnant. I had the full blown down flu once in my mid 20's. I don't wish to repeat that experien...
by Texanbybirth
Tue Sep 25, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 8976

Re: Losing Passion for Hobbies. Cheap or normal aging?

Lots of people here mentioning kids and other family obligations getting in the way of their hobbies. I get that, but OP doesn't have kids. I'm guessing there's a big dose of obsession over finances mixed with some mild depression or other psychological issue: "loss of motivation", "sense of guilt",...
by Texanbybirth
Tue Sep 25, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Out of warranty repair for a Braun toothbrush?
Replies: 17
Views: 614

Re: Out of warranty repair for a Braun toothbrush?

This is when I think a good old-fashioned phone call can't hurt. You could say you're surprised the battery only lasted 5 years, and see if they're willing to send you a new one. They will NOT ask for your old one back. Nobody wants your used toothbrush. If it's out of warranty, you can't really com...
by Texanbybirth
Mon Sep 24, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 8976

Re: Losing Passion for Hobbies. Cheap or normal aging?

I’m your age with 2 (soon to be 3) young kids. My hobbies have been petty steady for about 15 years: running, weight lifting, watching movies, ice hockey (fan and player), reading, writing. I’ve never wondered whether I’m wasting time (or money) on them, but then again none of these hobbies is very ...
by Texanbybirth
Mon Sep 24, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Where are the hybrid or fully electric two seater commuting vehicles?
Replies: 44
Views: 1924

Re: Where are the hybrid or fully electric two seater commuting vehicles?

Why is the smallest available electric car a four or five seater when 90% of commuted miles are driven alone? Perhaps what you are asking about is a niche market? Even tho the masses are solo commuters, they still want the flexibility to be able to take the whole family to the park, beach, mountain...
by Texanbybirth
Mon Sep 24, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: Are target funds off-target?
Replies: 32
Views: 2490

Re: Are target funds off-target?

I found this segment of the linked article to be especially salient and agree with it strongly. I think most Bogleheads are capable of figuring out their appropriate asset allocation without the need for blind faith in the purveyors of target date funds or some other formulaic approach. Choosing an...
by Texanbybirth
Mon Sep 24, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for My First Recession?
Replies: 63
Views: 7250

Re: Preparing for My First Recession?

I would focus primarily on your human capital to make sure your skills and experience are as competitive as you can make them. The best defense in a recession is staying employed and continuing to invest when asset values are much lower. +1, which is a very important, often-overlooked aspect of peo...
by Texanbybirth
Fri Sep 21, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Rear ended - Take the Cash?
Replies: 18
Views: 1831

Re: Rear ended - Take the Cash?

ssquared87 wrote:
Thu Sep 20, 2018 11:29 pm
Nobody in their right mind would pay $4000 for a 10 year old Camry with a bent chassis.
+1. If you didn't tell the future buyer about this unfixed accident then you would be a very unethical person.
by Texanbybirth
Fri Sep 21, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Rate our 5 yr plan and beyond
Replies: 25
Views: 1519

Re: Rate our 5 yr plan and beyond

"The other part of the plan is to prepare us financially for the possibility of having or adopting a kid at the 4-5 yr mark. For financial reasons, I'd be perfectly happy not having a kid." FWIW - I cannot get past this line. If you folks are planning and want to know the most important thought reg...
by Texanbybirth
Thu Sep 20, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2962

Re: Moving to Dallas, how to establish residency

Westlake/Southlake is very nice and very upscale. Not a bad place to live. Might move out towards Kellor which is lovely. If I had to do it over, I would have gone that direction. If you aren't planning on living there for a long long time, don't buy. It will kill you in property tax alone. Conside...
by Texanbybirth
Thu Sep 20, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Need iPhone case recommendations
Replies: 19
Views: 1129

Re: Need iPhone case recommendations

Otterbox Defender. I've never lost (meaning destroyed) a phone with them, and I've had plenty since the iPhone 4.

You will have the coolest phone with the dumbest (but most protective) case. :beer
by Texanbybirth
Thu Sep 20, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: YouTube Home workout vidoes
Replies: 33
Views: 2349

Re: YouTube Home workout vidoes

Freefun wrote:
Thu Sep 20, 2018 1:40 pm
Here’s the type of home based stuff I’d do:

https://youtu.be/JWy2-Dz7vJo
The comments on these youtube videos are hilarious. :D
by Texanbybirth
Thu Sep 20, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on the way - HSA questions
Replies: 19
Views: 1744

Re: Baby on the way - HSA questions

This is a fantastic, shining example thread of why BH is so awesome. I learned a lot - not relevant my particular situation - for future discussion. :beer
by Texanbybirth
Thu Sep 20, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?
Replies: 83
Views: 7459

Re: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?

Sure, go for it. What did it for me is: you'll both still contribute enough to get company match (so basically 10% to 401ks), and you'll both still max Roth IRAs and your HSA. That's probably still a good chunk of change on top of your annuity. Again, if you continue to do all of this, then I say YE...
by Texanbybirth
Thu Sep 20, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3555

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Option 3. The BMW is way too much (financially) car for you, with your income, if you have to ask.

Go test-drive a Civic before you make your decision, though, to make sure you won't hate driving it. I don't see how you could, what with only driving 2k miles per year, but still.
by Texanbybirth
Thu Sep 20, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2962

Re: Moving to Dallas, how to establish residency

Here I was thinking you wanted to establish residency quickly so you could get one of those cool "I wasn't born in Texas but I got here as fast as I could" stickers for your car. :D

Weather is just about to turn perfect here, good thing your company was nice enough to not hire you in June. :beer
by Texanbybirth
Thu Sep 20, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Saving for house down payment with Vanguard VWINX or VSCGX?
Replies: 15
Views: 1818

Re: Saving for house down payment with Vanguard VWINX or VSCGX?

Of the three, I'd go with VSCGX. In fact, that's similar to what we're doing, except VSMGX (60/40). However, we already "own" (mortgage) a house and this is for an undefined future purchase. We're also saving more long term in VASGX (80/20), maybe for kids' college or a really wild vacation when eve...
by Texanbybirth
Wed Sep 19, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: getting AMEX rewards applied
Replies: 8
Views: 475

Re: getting AMEX rewards applied

fabdog wrote:
Wed Sep 19, 2018 2:36 pm
If you have an online account with them you can take care of it yourself. Your main page will have a section with rewards, and you can choose to have the credit applied to your account or sent to you as a gift card

Mike
+1

"If you want something done right, do it yourself."
by Texanbybirth
Tue Sep 18, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2276

Re: $180 IPhone SE or $90 Iphone 5S

Apparently I’m not the only one annoyed that the SE-sized iPhones are likely to be phased out. I find the size of the 7s and up to be both harder to use in my smallish hands and much less comfortable in front pant or shirt pocket. SE, 6, 6S and the X were all discontinued as of last Wednesday, Sept...