Search found 1379 matches

by Texanbybirth
Mon Jan 13, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5899
Views: 1394267

Re: What Movie Have You Recently Watched?

Saw the latest Star Wars film. I laughed quietly a few times (even when no jokes were told) at its predictability but simultaneous disjointedness and excessive plot. It was, of course, a visual feast. Also saw Frozen II this weekend. A cute enough sequel, but really just an Appendix to the first fil...
by Texanbybirth
Mon Jan 13, 2020 1:19 pm
Forum: Personal Consumer Issues
Topic: Upgrade to larger family car or wait and get smaller commuter car?
Replies: 21
Views: 1390

Re: Upgrade to larger family car or wait and get smaller commuter car?

Isn't this just a personal (meaning your family's) finance question? We have three kids, and I still drive a sub-compact. We have our minivan for people-and stuff-moving. I will still drive my sub-compact when we have (God willing) four or five kids. It sounds like you have your people-/stuff-mover ...
by Texanbybirth
Fri Jan 10, 2020 1:46 pm
Forum: Personal Consumer Issues
Topic: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?
Replies: 75
Views: 6426

Re: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?

Sorry to hear about your issue, OP. I wouldn't have thought to get a sewer inspection when buying our house. That being said, it's 33 years old and I wouldn't be surprised if something went wrong with the pipes. Even if it was 8 days after closing on the home, I wouldn't have thought the sellers did...
by Texanbybirth
Thu Jan 09, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: What Are Your 2020 Goals?
Replies: 56
Views: 12226

Re: What Are Your 2020 Goals?

Read more Scripture (money won't help with this at all, unless I want some study materials :) ) Be more intentional about giving my SAHM wife more "alone" time to do her hobbies (money will help with this as the likes to scrapbook while enjoying a latte) Be more of a peacemaker, and humble, especial...
by Texanbybirth
Thu Jan 09, 2020 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Parental Leave - 4 weeks or 16 weeks - thoughts/perspective?
Replies: 45
Views: 3761

Re: Parental Leave - 4 weeks or 16 weeks - thoughts/perspective?

I'd do the 16 weeks in a heartbeat and not look back. As others have said, there are (company and legal) safeguards in place for how you'll be treated upon return. If you're as good an employee as you say, and if your company does any of the negative things you're afraid of, you won't have a hard ti...
by Texanbybirth
Wed Jan 08, 2020 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Job change and possible resulting stress/IBS
Replies: 18
Views: 1528

Re: Job change and possible resulting stress/IBS

IBS/IBD can become a crutch to indecision. (Ask me how I know.) You've really got to face the disease head on. I don't mean to "tough it out" or "be a man", but avail yourself of the resources that are out there. Sounds like diet helps you, but I bet having a regular companion (counselor, psych, wha...
by Texanbybirth
Wed Jan 08, 2020 2:58 pm
Forum: Personal Consumer Issues
Topic: Irrational Fear of Injury in Small Car?
Replies: 124
Views: 8319

Re: Irrational Fear of Injury in Small Car?

I absolutely love my Yaris subcompact sedan. I like the amazing gas mileage (it's got a Mazda SkyActiv engine), easy maneuverability, and in general its a joy to drive. Despite being light and a subcompact, its taller than some sedans. It also gets good safety ratings in its class and is a good upg...
by Texanbybirth
Fri Jan 03, 2020 4:35 pm
Forum: Investing - Theory, News & General
Topic: Faith driven investing
Replies: 71
Views: 5020

Re: Faith driven investing

I like to think I'm trying really hard to be a good Christian. As such, I've looked into investing according to certain Christian principles. (You and I may not agree on certain ones, but we can probably agree on some big ones.) However, I've decided it's not worth the "cost" (a purposely broad term...
by Texanbybirth
Fri Dec 06, 2019 3:09 pm
Forum: Personal Investments
Topic: Unexpected loss of MIL, Inherited IRA, and How to Restructure Investments
Replies: 34
Views: 2591

Re: Unexpected loss of MIL, Inherited IRA, and How to Restructure Investments

Very sorry for your loss - such an event would be absolutely devastating in my family as well. I can understand wanting to stay with the FA for a while, but why not just have them re-allocate to VASGX itself, instead of replicating it? The ERs in most of those funds are much higher than what you'd p...
by Texanbybirth
Thu Dec 05, 2019 10:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard mobile app comes in last in JD Power satisfaction survey
Replies: 10
Views: 920

Re: Vanguard mobile app comes in last in JD Power satisfaction survey

Works well for my purposes, which is about all I an ask, and they finally fixed the FaceID issue with it not working about a year ago. I do like the Fidelity App better (mainly because I can see balances without logging in, which I do once a month to update our family spreadsheet), but apparently I'...
by Texanbybirth
Wed Dec 04, 2019 2:34 pm
Forum: Investing - Theory, News & General
Topic: WHY, exactly or generally, are 401K's designed/managed the way they are? (SPD, choices, matches, rules, etc...)
Replies: 10
Views: 582

Re: WHY, exactly or generally, are 401K's designed/managed the way they are? (SPD, choices, matches, rules, etc...)

Well they are voluntary, so "employee's own money" doesn't have to be put into the "plan" to start with. Employee (and spouse) could open an IRA wherever if they wanted to avoid their plan. Of course, they'd miss out on any matching. "Malice" is a strong word, though "greed" would probably work. :beer
by Texanbybirth
Mon Dec 02, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Airline overhead bins...do you think they're assigned?
Replies: 135
Views: 6783

Re: Airline overhead bins...do you think they're assigned?

Yes, you are correct as far I know. (Tangential to your main train of thought, but I don't think it has anything to do with Economy Class either. There are just more bins/seat up front.)
by Texanbybirth
Mon Dec 02, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Best Ways to Help Poor Families at the Holiday Season?
Replies: 43
Views: 3040

Re: Best Ways to Help Poor Families at the Holiday Season?

We're Catholic, and our local St Vincent de Paul Society collects housewares and clothes and toys for newly-arrived refugee families during the holidays (and year round). Donors are encouraged to go along on the deliveries to meet the families and deliver the gifts. It goes without saying that it's ...
by Texanbybirth
Fri Nov 01, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Halloween Candy - Favorites; Throw it in the Bag
Replies: 61
Views: 4056

Re: Halloween Candy - Favorites; Throw it in the Bag

Almond Joys and Mounds cuz I'm the only person in the house who likes them. (There's no "getting fat" smiley, eh? :twisted: ) I'll also take a Snickers in a pinch. My daughter loves Nerds and my son likes M&Ms. My wife likes Reese's. We've got a pretty good variety of likes so no one is usually disa...
by Texanbybirth
Thu Oct 31, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on Bonus
Replies: 27
Views: 3535

Re: Taxes on Bonus

Not sure if your situation is similar, but there are instances (read: like mine) where the flat 22% is silly and you can fight the system. Here's the thread where poster FiveK helped me beat "the man". Again, it might not apply to you but it might be helpful. https://www.bogleheads.org/forum/viewtop...
by Texanbybirth
Thu Oct 31, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Timeshare offer experience
Replies: 103
Views: 11819

Re: Timeshare offer experience

Excellent, thanks for sharing your experience. I've gotten this offer three times in the last two years, and I think there were even some Marriott points (50k rings a bell) thrown in the initial offer. If we didn't have three little kids I would have already taken the offer. Hopefully it'll still be...
by Texanbybirth
Thu Oct 31, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 9731

Re: Wallets [Do you carry a wallet?]

I carry the wallet my wife gave me for sentimental reasons. There's not really any other reason. I'd need 4 cards: insurance, DL, MC and AMEX CCs (for places where the AMEX isn't accepted), and some cash. One of those "minimalist" wallets would be fine, but it's $30 I don't have to spend. (And I'm r...
by Texanbybirth
Thu Oct 31, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: HSA plans & limited use FSA?
Replies: 13
Views: 728

Re: HSA plans & limited use FSA?

Based on your edit, yes I would also use the dependent care FSA if you've forecasted the costs for your children's education properly. It's a no-brainer, really.
by Texanbybirth
Thu Oct 31, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: HSA plans & limited use FSA?
Replies: 13
Views: 728

Re: HSA plans & limited use FSA?

It afforded us $2,500 (I think, roughly) more pre-tax space to pay for stuff. We make HSA claims immediately upon paying - can't afford to leave it in the HSA. I guess I don't understand how that would change the calculus though. So just a way to get more pre-tax $$ into play? That is exactly my th...
by Texanbybirth
Thu Oct 31, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: HSA plans & limited use FSA?
Replies: 13
Views: 728

Re: HSA plans & limited use FSA?

We have an HSA, and we used a Limited FSA last year to pay for my LASIK surgery with pre-tax dollars. yep, totally get all that, but my question is more about the paying and investing and reimbursing. Is your HSA $$ fully invested? Do you normally reimburse yourself right away or keep it in the HSA...
by Texanbybirth
Thu Oct 31, 2019 10:26 am
Forum: Personal Finance (Not Investing)
Topic: HSA plans & limited use FSA?
Replies: 13
Views: 728

Re: HSA plans & limited use FSA?

The FSA is limited to dental and vision, ie no medical - unlike your HSA, which is good for all three. Your HSA balance follows you for life, or until you spend it. The FSA (mostly, usually) expires each year. (If you sign up for it, you'll get plenty of notices from HR starting in November remindin...
by Texanbybirth
Thu Oct 31, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide on HSA
Replies: 21
Views: 1382

Re: Help me decide on HSA

I'd go with the HSA, and max it out every year.

(You have great options, btw. We're on a HDHP/HSA, and our family deductible is higher than your family Max OoP! You're in a good place to save some serious cash in the HSA.)
by Texanbybirth
Wed Oct 30, 2019 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: How do I make more money with my accounting degree?
Replies: 29
Views: 3370

Re: How do I make more money with my accounting degree?

If you're doing well as an accounting clerk, then it would make sense from a career perspective to move into staff/GL accounting or what's now called "accounting analyst". (Companies are throwing around the word "analyst" and attaching it to any job title it seems these days.) What types of work do ...
by Texanbybirth
Wed Oct 30, 2019 2:57 pm
Forum: Personal Investments
Topic: VTSAX vs. Taget Date for Roth IRA
Replies: 4
Views: 651

Re: VTSAX vs. Taget Date for Roth IRA

I have the appropriate target date fund in each of our (wife and mine) Roth IRAs. They are retirement accounts for us, and we are too simple to use anything but TDFs for retirement.
by Texanbybirth
Wed Oct 30, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Low water pressure/flow in house
Replies: 65
Views: 5236

Re: Low water pressure/flow in house

I still come back to the issue perhaps being a non-issue. Pressure is 60psi. Open up THREE shower heads and pressure is 20psi. Question - what did the engineer say it SHOULD have been with THREE shower heads running? As I stated earlier, I've never heard of anyone being able to take 3 showers at th...
by Texanbybirth
Wed Oct 30, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 14354

Re: Apple Pay. Does anyone use it?

I use it when I can now, but not a whole lot of retailers around our parts have the scanner for my phone. It did get me out of a bind once. I went to Whole Foods to buy some stuff late one night, and I realized I had completely forgotten my wallet. However, I'm one of those people who memorizes thei...
by Texanbybirth
Mon Oct 28, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Do you ever wish you could help relatives improve their finances?
Replies: 12
Views: 1111

Re: Do you ever wish you could help relatives improve their finances?

To answer the OP question: yes, and I do help when they call and ask for advice. It's not everyday, but being the CPA in the family affords me more opportunities to "preach" than most people get. Generally it's about 40/60 whether the advice is followed or not. I don't let it bother me at Thanksgivi...
by Texanbybirth
Mon Oct 28, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4677
Views: 1289017

Re: What Book Are You Currently Reading? Part VI

Just finished reading "Father Elijah" by Michael D O'Brien. What a great apocalyptic novel, and I'm excited to read something else by him.

Also listening to "Mere Christianity" on audiobook via Hoopla while I discern my next read, but I've only got about 2 more commutes to decide!
by Texanbybirth
Mon Oct 28, 2019 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Hotel "incidentals" credit card precharge?
Replies: 24
Views: 1915

Re: Hotel "incidentals" credit card precharge?

I am a "roadwarrior" across North America and spread my stays almost exclusively among three major hotel families/programs: Hilton Honors, IHG (Holiday Inns, etc), and Bonvoy (Marriott/SPG). This incidentals pre-charge, which floats on my credit card as "pending" until check-out, is very standard p...
by Texanbybirth
Mon Oct 28, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 10667

Re: How much do you plan to spend on your children's weddings?

I'll try to answer without getting judgement about the $$$ itself. I would gladly work one more year (probably not more than one) to be able to pay for my daughter's (and sons') wedding(s) if it was necessary. That would amount to more money than we received from parents for our wedding, but possibl...
by Texanbybirth
Thu Oct 24, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: How to get quicker hot water
Replies: 45
Views: 2743

Re: How to get quicker hot water

A post like this reminds me of how blessed we are in America. We worry about getting instant hot water while much of the world worries about getting drinkable water. Yes, BUT some of us worry about wasting water while waiting for it to heat up. As I explained to our plumber when I increased the pow...
by Texanbybirth
Wed Oct 23, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Sharing my camry 2011 overall/annual ownership costs.
Replies: 19
Views: 1658

Re: Sharing my camry 2011 overall/annual ownership costs.

It appears you are spending around $2,000 in gas per year (assuming 22K miles/year, 30MPG and $2.75/gallon). LOL. $2.75/gallon??? Where the heck can you buy gas for that? It's over $4 here in California. Haven't seen $2.75 in years! I just filled up this morning for $1.95/g here in North Texas.
by Texanbybirth
Thu Oct 17, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Should I take the job in OKC or Orlando?
Replies: 98
Views: 6056

Re: Should I take the job in OKC or Orlando?

Just got back from Orlando; go there all the time to visit family. If we ever move there we'll buy a house such that I don't have to commute further than a couple stop lights. The tourist nature of the place makes driving on the highways absolutely brutal. (I'm looking at you I-4.) I love that it ra...
by Texanbybirth
Wed Sep 25, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Simple emergency prep tip(s)
Replies: 32
Views: 2238

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: 3747

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: 4677
Views: 1289017

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: 1849

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: 12389

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: 679

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: 3050

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: 679

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: 12389

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: 7194

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: 7194

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: 12389

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: 10881

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: 179
Views: 22961

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: 2514

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: 2514

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: 3602

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