Search found 1322 matches

by TxAg
Mon Apr 02, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Liability for 32 year old step son living home
Replies: 79
Views: 10404

Re: Liability for 32 year old step son living home

He might have some mental issues, or he might just be lazy and taking advantage of you.

Did we have these kinds of issues 40+ years ago?
by TxAg
Thu Mar 29, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Cosign college loan for sibling?
Replies: 87
Views: 5055

Re: Cosign college loan for sibling?

Thanks to everyones comments. Wanted to come back and update. I spoke with my brother first, who is 20 and a junior. I told him we cant sign because it jeopardizes us being able to get loans for our kids. That its ultimately about our kids. He wasn't upset and understood. Obviously very stressed ab...
by TxAg
Wed Mar 28, 2018 9:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 23878

Re: A lot of heavy hitters this morning

I learned a long time ago not to compare. There are highly elite talented people everywhere and then there is just me, an uncomplicated farm kid who did pretty good in the big city starting with nothing and with no talents for anything. I was very shy and afraid of my own shadow as a young man. Not...
by TxAg
Wed Mar 28, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Cosign college loan for sibling?
Replies: 87
Views: 5055

Re: Cosign college loan for sibling?

Gives me heartburn just reading it.

Don't do it unless you want to end up divorced.
by TxAg
Sat Mar 24, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: How does it make sense to buy a condo/house in Texas?
Replies: 97
Views: 8297

Re: How does it make sense to buy a condo/house in Texas?

A decent place is probably $1000/month. Been a few years though.
by TxAg
Fri Mar 23, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 12150

Re: Losing friends/family when wealthy

In my experience: - The only people who truly root on your success are your parents. When you get that big promotion or you buy that big house or make that big investment in a new business----your parents are the only one's who are excited for you without having some kind of ulterior(sp) motive. - ...
by TxAg
Wed Mar 21, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 8349

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Ok, got the retention package. It is very fair. Significant salary bump (>50%). An amount of $ that would make a real difference for the family. Not quite at the level of the private school, but in the same general ballpark. Any helpful comments welcome....thanks everyone. Maybe I'm a homebody, but...
by TxAg
Tue Mar 20, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Most Effective Rat Poison
Replies: 42
Views: 4614

Re: Most Effective Rat Poison

I stumbled acoss this:

http://www1.agric.gov.ab.ca/$department ... /agdex3441


Alberta, Canada uses Warfarin with great results.
by TxAg
Sun Mar 18, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: Incredibly sleazy Northwestern Mutual cold caller
Replies: 78
Views: 9182

Re: Incredibly sleazy Northwestern Mutual cold caller

I enjoyed the read. Thanks for posting
by TxAg
Thu Mar 15, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Grand Canyon and Utah Parks
Replies: 16
Views: 1849

Re: Grand Canyon and Utah Parks

Make time for Zion. Bryce was nice, but we wished we would have spent more time in Zion.
by TxAg
Wed Mar 14, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Pay cash or go crazy (and take 2.5% loan and invest
Replies: 30
Views: 2791

Re: Pay cash or go crazy (and take 2.5% loan and invest

We bought a Subaru for $30k 1.5 yrs ago. We paid half in cash and took out a loan from PenFed for the other half...was 2.5% if I remember. We ended up paying it off a few months ago.

It feels good to not have a payment, but the math is against us. I kinda wish we still had the loan.
by TxAg
Wed Mar 14, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: How to Thank/Reward Realtor
Replies: 28
Views: 2621

Re: How to Thank/Reward Realtor

If she's getting your future business, that's tip enough.
by TxAg
Sat Mar 10, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: Need Help Solving A House Smell Mystery
Replies: 46
Views: 4966

Re: Need Help Solving A House Smell Mystery

Keep in mind that the smell may not actually be concentrated around the front door and closet. You can become accustomed to certain smells if regularly exposed to them and you just stop noticing those smells. Your nose will reset when you've been away from the smell for a while, so when you first w...
by TxAg
Fri Mar 09, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 4423

Re: MD-Phd (Harvard) vs MSTP (School X)

From somebody who got a couple degrees from State U, I just want to say congratulations!! This is very impressive, and it's nice to see all the years of had work paying off (with a lot of hard but interesting work ahead). Good luck to your son!

Keep us posted on what he decides.
by TxAg
Thu Mar 08, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: Anyone get a 'Tuff Shed' ?
Replies: 12
Views: 2607

Re: Anyone get a 'Tuff Shed' ?

My parents had one delivered and assembled through Home Depot. They love it. It was assembled in just a couple hours. They saved a few bucks by painting it themselves.
by TxAg
Thu Mar 08, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Need Help Solving A House Smell Mystery
Replies: 46
Views: 4966

Re: Need Help Solving A House Smell Mystery

Maybe something with your central heat/air?
by TxAg
Mon Mar 05, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5553

Re: Colorado Summer Vacation - what to see and where to stay

If you want to hike, I would recommend at least a little time in Estes Park, not far from Denver and the entry to Rocky Mountain National Park. The Stanley Hotel is a classic. Rocky Mtn Ntl Park is a beautiful place. Estes Park is a cool little town. It can get a bit crowded, but I'd jump at the ch...
by TxAg
Fri Mar 02, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: What bed did you get your toddler and how long did you use it?
Replies: 47
Views: 6978

Re: What bed did you get your toddler and how long did you use it?

Go to Amazon and search for 6" memory foam mattress. You can get a very comfortable twin mattress for $100. No box spring needed. This is about as far from organic as you can get. There are some shady chemicals used in that process. I was just refering to a plain memory foam mattress, not somehing ...
by TxAg
Thu Mar 01, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42572

Re: What UN-frugal thing do you do?

Hunting: I bought a new rifle and spent a few grand on day leases trying to find the right spot. Rifle cost about $800 plus ammo at $1 per round. I've got a few hundred pounds of deer and wild boar in freezers at the moment and I mounted a wild boars Head. I did the math on one hunting trip and fig...
by TxAg
Tue Feb 27, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Deer Garden Damage Prevention
Replies: 36
Views: 2817

Re: Deer Garden Damage Prevention

Sounds like a bowhunter's dream
by TxAg
Sun Feb 25, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: 3 layers of roof. Pull my offer??
Replies: 63
Views: 6654

Re: 3 layers of roof. Pull my offer??

That would be a deal breaker for me
by TxAg
Fri Feb 23, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 65
Views: 6500

Re: Boglehead Flashlight?

Anything but a maglite that takes "big" batteries.
by TxAg
Fri Feb 23, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 83
Views: 6818

Re: Favorite socks?

I like the Darn Tough socks

I have them in a few different thicknesses
by TxAg
Wed Feb 21, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 15937

Re: What big item (>20k) are you saving up for?

Of course if you're dropping that much money on watches, I doubt it was "hard-earned". Well said. Corn18 Retired Navy fighter / test pilot President, large defense company Never "earned" a dime in my life I don't know anything about watches, but I liked this rebuttal. Thank you for your service.
by TxAg
Mon Feb 19, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Considering move to Tulsa, OK
Replies: 21
Views: 2825

Re: Considering move to Tulsa, OK

Tulsa is one of those places that can be as nice or as lousy as you make it. I could be happy there.
by TxAg
Mon Feb 19, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 12132

Re: Do you wear a wedding band?

Luke Duke wrote:
Mon Feb 19, 2018 11:44 am
MarkBarb wrote:
Sun Feb 18, 2018 6:39 pm
I'm one of the only Texas Aggies I know that didn't buy a school ring.
I'm surprised that they let you graduate without one.
I wore mine every day until I got married. Then I switched it out for a cheap Tungsten wedding band. I'm not a jewelry person.
by TxAg
Thu Feb 15, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance Question
Replies: 1
Views: 350

Home Insurance Question

When shopping for home insurance, do you prefer Actual Cash Value or Replacement Cost Value? I inderstand that ACV is net of depreciation...an example using an appliance or camera makes sense. However, I don't understand how that applies if my house burns down. I'm not so worried about the contents ...
by TxAg
Thu Feb 15, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Dental chews for dogs....useful?
Replies: 36
Views: 2766

Re: Dental chews for dogs....useful?

The dog just thinks of it as a treat. So any type of treat would likely be fine for a reward. For actual teeth cleaning, you can buy raw bones with marrow and meat still attached. They’re around $6 for a large (maybe 6” x 4”). Do that once a month for teeth cleaning. They are generally in the froze...
by TxAg
Wed Feb 14, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: Dental chews for dogs....useful?
Replies: 36
Views: 2766

Re: Dental chews for dogs....useful?

if you know any hunters, a deer antler or deer leg works also
by TxAg
Wed Feb 14, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: Dental chews for dogs....useful?
Replies: 36
Views: 2766

Re: Dental chews for dogs....useful?

The dog just thinks of it as a treat. So any type of treat would likely be fine for a reward. For actual teeth cleaning, you can buy raw bones with marrow and meat still attached. They’re around $6 for a large (maybe 6” x 4”). Do that once a month for teeth cleaning. They are generally in the frozen...
by TxAg
Wed Feb 14, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: New Job Evaluation
Replies: 30
Views: 2578

Re: New Job Evaluation

Haven’t read all the replies yet. Work life balance counts for a lot. A LOT!!! Especially with multiple kids. Your wife does well so that helps. I would look hard at the extra hours vs the extra pay (net of parking etc.) to see if it is really worth it. Of course, if you’re truly underpaid then that...
by TxAg
Wed Feb 14, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Keep crows off of chimney caps
Replies: 29
Views: 2243

Re: Keep crows off of chimney caps

Duplicate post
by TxAg
Wed Feb 14, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: Keep crows off of chimney caps
Replies: 29
Views: 2243

Re: Keep crows off of chimney caps

I hate crows. I’m in the “shoot them” camp but realize that isn’t practical in a neighborhood. Maybe put a fake snake or a strobe light on your roof? Good luck.
by TxAg
Sun Feb 11, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: Birding binoculars under $500?
Replies: 21
Views: 1590

Re: Birding binoculars under $500?

Despite the fanboys, I hear a lot of bad reviews on Vortex from people that actually know glass.


You might also look at Minox. I’m very pleased with mine. They are the Minox BL 10x44 HD that I found for $280 (listed as displays at Camera Land NY). Normally they’re closer to $500.
by TxAg
Sat Feb 10, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to move to a lower paying career?
Replies: 53
Views: 5761

Re: Can I afford to move to a lower paying career?

jehovasfitness wrote:
Sat Feb 10, 2018 8:08 pm
I'm 36 and drunk so take this as is

But if I were 58.with 3.5m I'd retire completely lol
I love this post
by TxAg
Sat Feb 10, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 3336

Re: Best BBQ in Austin

Surprised about the lack of La Barbecue. I thought the drop-off in taste was minimal compared to Franklins. But the experience is much better than Franklin's. Shorter line and free beer while waiting. They do ask for donation for the beer though. FREE beer? :shock: I went inside to the 'bar' area a...
by TxAg
Sat Feb 10, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: what to look for when buying a flipped house
Replies: 27
Views: 2701

Re: what to look for when buying a flipped house

harrychan wrote:
Sat Feb 10, 2018 2:04 pm
Find a solid home inspector and a certified electrician. Not one referred by either agents.
This!

Even go as far as having a different person for structural, electrical, plumbing, hvac, etc. it will cost a little more, but will be worth it.
by TxAg
Fri Feb 09, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 5423

Re: Who has had a pool?

We don’t have a pool. BUT...my parents have one, my brother has one, my sister in law has one, and my inlaws have one. My brother is filling his in. My inlaws prefer that they didn’t have it. My SIL and my parents love theirs. Different strokes for different folks.
by TxAg
Thu Feb 08, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 3336

Re: Best BBQ in Austin

HikerNC wrote:
Thu Feb 08, 2018 9:02 pm
The best BBQ in Austin is BBQ Fedex'ed in from North Carolina.

None better than Stephenson's BBQ in rural Johnston County (Benson address)
Why eat a pig when you can eat a cow?
by TxAg
Thu Feb 08, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 3336

Re: Best BBQ in Austin

You could always run out to Snow’s BBQ. I’ve never been, but the guy that makes the best brisket I’ve ever eaten loves Snow’s.
by TxAg
Wed Feb 07, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: How much life insurance - and for how long?
Replies: 29
Views: 3906

Re: How much life insurance - and for how long?

My wife and I shopped for term life at basically the same stage in life as you. Early 30s, one small child and at least one more in the future. (We stopped with two children.) I found that the 20-year level term was MUCH cheaper than the 30-year level term, since morbidity starts increasing greatly...
by TxAg
Tue Feb 06, 2018 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Am I saving too much for retirement?
Replies: 105
Views: 15015

Re: Am I saving too much for retirment?

Life has a way if changing things: kids, work, health, house, etc


I would keep saving as much as you can. Then let time do the rest.
by TxAg
Tue Feb 06, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 3336

Re: Best BBQ in Austin

I liked La BBQ over Franklin’s, and the line was shorter. Both are very good, though.
by TxAg
Fri Feb 02, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 7899

Re: Substitute for taking a shower?

Rubbing alcohol goes a long way
by TxAg
Wed Jan 31, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 53
Views: 6834

Re: New Subaru Outback vs. used Volvo XC-70

I’d go subaru
by TxAg
Wed Jan 31, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: How much have kids added to your personal finance/expenses?
Replies: 111
Views: 10404

Re: How much have kids added to your personal finance/expenses?

2 kids under 4

Collectively, about $25k/yr...most of that is daycare.
by TxAg
Tue Jan 30, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: what do/did you do with your evenings with a Toddler in winters ?
Replies: 63
Views: 4924

Re: what do/did you do with your evenings with a Toddler in winters ?

Andyrunner wrote:
Tue Jan 30, 2018 9:04 am
Where is SFH?
Single Family Home
by TxAg
Mon Jan 29, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: what do/did you do with your evenings with a Toddler in winters ?
Replies: 63
Views: 4924

Re: what do/did you do with your evenings with a Toddler in winters ?

Stream Pandora kids music in the tv and have a “dance party”. That’s in between dinner, baths, puzzles, coloring, and reading books.
by TxAg
Wed Jan 24, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 19220

Re: Dear wife quits job and now we are down to 1 income

Sending a child to daycare is not insensitive and doesn’t mean your child is unloved. It can be a hot button issue, but there is no right or wrong answer...it is dynamic and depends on personalities and income levels. In your situation, given your expenses and savings, I’d want her to get back to wo...