Search found 1382 matches

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
by Texanbybirth
Wed Sep 04, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Excel - Arrival of XLOOKUP
Replies: 12
Views: 2514

Re: Excel - Arrival of XLOOKUP

Per Microsoft's function support webpage for this function: Note: August 28, 2019: XLOOKUP is currently a beta feature, and only available to a portion of Office Insiders at this time. We'll continue to optimize it over the next several months. When XLOOKUP is ready, we'll release it to all Office I...
by Texanbybirth
Fri Aug 30, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle
Replies: 51
Views: 3582

Re: Side Hustle

2. Toying with the idea of starting a consulting job for companies looking to develop some BI solutions, I do this full time in my current role and still find it to be absolutely enjoyable. What are "BI solutions?" Business Intelligence- I have experience with data structuring, cleaning, modeling a...
by Texanbybirth
Fri Aug 30, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Baby Gift Suggestions
Replies: 14
Views: 836

Re: Baby Gift Suggestions

We just had our third 5 months ago. Diapers and wipes (assuming they don't do cloth) are ALWAYS welcome. The Target giftcard idea is also on point, as is a bottle of wine and organizing a meal train.
by Texanbybirth
Fri Aug 30, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Negotiating on this Specific Truck
Replies: 20
Views: 2360

Re: Negotiating on this Specific Truck

$12k off sticker isnt a bad deal but some minor wiggle room is definitely there. I tend to agree here and I'm a really strong negotiator when it comes to buying vehicles. I might offer a couple g's less and wiggle up from there. Try to get some all-weather mats and spray in bedliner thrown in. If y...
by Texanbybirth
Thu Aug 29, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 119
Views: 10901

Re: Coffee becomes cold too soon

Go to your closest Walmart and get one of these: https://www.walmart.com/ip/Ozark-Trail-20-Ounce-Double-Wall-Vacuum-Sealed-Tumbler/980790838 Coffee stays hot for 4,5,6 hours. The tech in these tumblers is great. Yeti, Arcteryx, Pelican, Ozark Trail, they all function very similarly. Hot stays hot. ...
by Texanbybirth
Thu Aug 29, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: What makes your dream house so special?
Replies: 41
Views: 3476

Re: What makes your dream house so special?

My wife and kids live there.

(Maybe a distant second is the neighbor who lets us use his pool, so we don't have to build one ourselves. :happy )
by Texanbybirth
Wed Aug 28, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: paying off 15 year vs 30 year fixed rate mortgage
Replies: 53
Views: 3946

Re: paying off 15 year vs 30 year fixed rate mortgage

4 years into a 30-year mortgage: For our income and house price (4.125% rate, purchase price 2.5x annual income, with 20% down) our choice was between a 15-year mortgage and putting only 5% to my 401k, and a 30-year mortgage and putting 15% to my 401k, with some additional Roth and taxable savings. ...
by Texanbybirth
Tue Aug 27, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: HDHP with pregnancy a good idea?
Replies: 13
Views: 1396

Re: HDHP with pregnancy a good idea?

Just recently had our 3rd, and we're on a similar-sounding HDHP, though my company covers all premia. You will for sure hit your deductible (assuming a regular hospital birth), and you may hit your OOP max. That OOP Max is super high, are you sure that's for each individual or family? For instance, ...
by Texanbybirth
Mon Aug 26, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: American Express continues to ask for my income
Replies: 68
Views: 6603

Re: American Express continues to ask for my income

I find their pop-ups for me being pre-approved for a loan WAY more annoying, as those also show up each time I login.

I use their iPhone app almost exclusively now, with the above as a contributing factor. Still love our AMEX card, though.
by Texanbybirth
Mon Aug 26, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Learning Accounting (question)
Replies: 14
Views: 1168

Re: Learning Accounting (question)

Good morning all- I'm learning Accounting from a newer textbook that I like. One idea I can't wrap my head around is in the beginning when classifying transactions, Sales and Expense transactions fall under Owner's Equity. Then when the text introduces Chart of Accounts, it has a section Owners Equ...
by Texanbybirth
Thu Aug 22, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Buying used car (another one of those threads!)
Replies: 21
Views: 1402

Re: Buying used car (another one of those threads!)

Have you looked at a Yaris iA? I'm 5'10" and it's okay for me. Off the lot brand new less than $12k. Depends on your use case, but I expect the car to be in our family for 10 years easily with no issues. (With 3 little kiddos we also have a Honda Odyssey "people mover". The Yaris is just my commuter...
by Texanbybirth
Thu Aug 22, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9 - 3rd Generation
Replies: 50
Views: 4301

Re: iPad Pro 12.9 - 3rd Generation

Email and web browsing /email best on tablet - 95% of my electronc device use . I would cry if I had to type out emails on a touchscreen. But, that's why all these different types of gadgets are out there, everyone can get the thing that works best for them :) Ditto. We have a tablet, literally the...
by Texanbybirth
Thu Aug 22, 2019 12:22 pm
Forum: Investing - Theory, News & General
Topic: We want all-in-one balanced ETFs. Where are they?
Replies: 34
Views: 3085

Re: We want all-in-one balanced ETFs. Where are they?

iShares has them. Look up AOA or AOM, for instance.
by Texanbybirth
Thu Aug 22, 2019 6:56 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 205
Views: 19865

Re: White collars- How much is your work downtime?

So, it appear that many people have the same amount of down time as a stay at home parent with school age children. Unless those school-aged children are homeschooled, in which case my wife works literally from 6:30a to 8p. She used to get an hour break for nap time, but when our oldest dropped the...
by Texanbybirth
Wed Aug 21, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Anybody else enjoy sitting around and doing little in retirement?
Replies: 106
Views: 14619

Re: Anybody else enjoy sitting around and doing little in retirement?

TomatoTomahto wrote: Wed Aug 21, 2019 2:02 pm ...at the end of the day, I fall asleep without difficulty.
I think that's the sign of a life well-lived on several levels.
by Texanbybirth
Wed Aug 21, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 205
Views: 19865

Re: White collars- How much is your work downtime?

I would ask for a little bit of clarity on the OP's definition of "downtime", A downtime during work: When you create/read Boglehead post(s) during the work time, using the company's computer! :D Yep - if you look at my own posting history, I'd wager at least 95% of my posts are between 8am - 5pm, ...
by Texanbybirth
Wed Aug 21, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: How do you get billed for child's college when not enough cash?
Replies: 50
Views: 4304

Re: How do you get billed for child's college when not enough cash?

For my grad degree, I always paid my tuition at the Bursar's office, with a check. The money could have gotten into my checking account from work, loans, credit card cash advance, or some other method. The net amount due was pretty clear on the bill each beginning of the semester, adjusted as it was...
by Texanbybirth
Wed Aug 21, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 205
Views: 19865

Re: White collars- How much is your work downtime?

This thread is incredible. It's like my "oh, you too?!" moment. :beer

I would ask for a little bit of clarity on the OP's definition of "downtime", though I'm guessing the colloquial definition is good enough.
by Texanbybirth
Wed Aug 21, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Are there advantages to being married to a teacher?
Replies: 111
Views: 7890

Re: Are there advantages to being married to a teacher?

One perk if you teach at a private school, at least in my area, is your kids can get free or greatly reduced tuition and possibly preferential treatment for admission. That was one of the most difficult decisions for us when my wife became a SAHM. The tuition at the Catholic HS she taught at is cur...
by Texanbybirth
Tue Aug 20, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 12318

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Tried Talenti double dark chocolate with my wife last night. Wow, that stuff is good.
by Texanbybirth
Tue Aug 20, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Life Advice: deciding what you want to do.
Replies: 49
Views: 5190

Re: Life Advice: deciding what you want to do.

Have you ever held a job for pay for at least 6 months? If not, just get any job and start working! Please read this perspective on following your passion: do the work first https://www.careercontessa.com/advice/why-passion-isnt-everything/ Where? Work at Starbucks, as a janitor, in a sales job, an...
by Texanbybirth
Tue Aug 20, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Front load washer mold
Replies: 30
Views: 3154

Re: Front load washer mold

Ugh, have front load washers improved their front gasket issues getting moldy? Seems gasket replacement is tedious and also doesn’t fix the issue long term for the same unit. Had an LG for 5 years that works fine, but the wife is ready to replace just in the hopes of improvement in gaskets and mold...
by Texanbybirth
Tue Aug 20, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Choosing Between Jobs (Career Advice)
Replies: 21
Views: 834

Re: Choosing Between Jobs (Career Advice)

No way would I change jobs with a (first?) baby due in 3 months that would result in a 2 hour commute. What does your wife think about the options? How does the $97k satisfy your goals/expenses, especially dropping to 1 income? If it's even remotely satisfying current goals, then go with Option 1. A...
by Texanbybirth
Sun Aug 18, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: How to read (and retain)?
Replies: 92
Views: 6622

Re: How to read (and retain)?

The book that you need to read is aptly titled "How to Read a Book" by Mortimer Adler. It should be required reading for everyone in high school. I cannot recommend it highly enough. You will learn to ask the right questions of books, how to skim, outline, and generally attack a book to engage "in ...
by Texanbybirth
Sat Aug 17, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: How are you finding "no cost" refis?
Replies: 20
Views: 2677

Re: How are you finding "no cost" refis?

Thanks MathWizard, that makes more sense. I'm fine with bringing some cash to the table or rolling it up into the loan. I don't have a huge preference. I've worked with the MtgProfessor website calculators to closely evaluate the breakeven time on the new loan, and it's well within our current plans...
by Texanbybirth
Sat Aug 17, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Go for new job (more pay but travel) or stay?
Replies: 65
Views: 4295

Re: Go for new job (more pay but travel) or stay?

Wife prefers I not take it In your circumstances I would not take the job. I know too many families where the husband (you could say "spouse" but it's usually the husband in the situations I'm familiar with) travels that much and it has really taken a toll on them. It's an even more obvious answer ...
by Texanbybirth
Sat Aug 17, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: How are you finding "no cost" refis?
Replies: 20
Views: 2677

How are you finding "no cost" refis?

We're strongly considering going from a 30y mortgage (4y in) to a 15y, rate would go down from 4.125% to 3.125%. (We're not interested in a new 30-yr mortgage.) I see some people posting about "no-cost refis", but I can't find anything. I'd be willing to post my zip code if someone wants to find one...
by Texanbybirth
Fri Aug 16, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: 10 Year Cost of Owning My CR-V
Replies: 41
Views: 4025

Re: 10 Year Cost of Owning My CR-V

Very cool post, thanks for being so meticulous. In my experience (granted it doesn't include a CR-V) the $6k in maintenance, even including all the items you did, over 10 years seems high. $6k seems reasonable to me for 110k miles Edmunds says maintenance on a 2019 CRV would be $4,321 over 5 years....
by Texanbybirth
Fri Aug 16, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: 10 Year Cost of Owning My CR-V
Replies: 41
Views: 4025

Re: 10 Year Cost of Owning My CR-V

Very cool post, thanks for being so meticulous. In my experience (granted it doesn't include a CR-V) the $6k in maintenance, even including all the items you did, over 10 years seems high. $6k seems reasonable to me for 110k miles Edmunds says maintenance on a 2019 CRV would be $4,321 over 5 years....
by Texanbybirth
Fri Aug 16, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a graduate data science job offer, or doing a MSc in Statistics
Replies: 34
Views: 2617

Re: Taking a graduate data science job offer, or doing a MSc in Statistics

Take the job and get the master's part-time. Bonus if your soon-to-be employer will cover any tuition. Don't take any time off. You could be done in 18-months easy. You may even want to get a PhD in 3-5 years, even better!
by Texanbybirth
Fri Aug 16, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 12318

Re: Ponder this, BH's... is Ben & Jerry's worth it?

testing321 wrote: Fri Aug 16, 2019 2:30 pm I think the question is, does buying better ice cream or wine motivate you to consume more or less? If the latter, spend more on better.
What if it's the former? :)
by Texanbybirth
Fri Aug 16, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: 10 Year Cost of Owning My CR-V
Replies: 41
Views: 4025

Re: 10 Year Cost of Owning My CR-V

Very cool post, thanks for being so meticulous. In my experience (granted it doesn't include a CR-V) the $6k in maintenance, even including all the items you did, over 10 years seems high. I'm not sure if that's a function of the type of car, the brand, or something else, and I would expect ongoing ...
by Texanbybirth
Fri Aug 16, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 12318

Re: Ponder this, BH's... is Ben & Jerry's worth it?

I'm the only native Texan I've met who thinks Blue Bell is disgusting. It's a good thing I can stand up for myself because that opinion regularly gets me in a lot of trouble, but I've had 34 years worth of suffering Blue Bell at parties and family get togethers and BBQs to form it. I was over the m...
by Texanbybirth
Fri Aug 16, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Woodstock
Replies: 93
Views: 9645

Re: Woodstock as it happened

JoeRetire wrote: Fri Aug 16, 2019 6:10 am
Raybo wrote: Fri Aug 16, 2019 3:47 am How did that 60s things turn out in the end?
In the end, it became the 70s.
LOL!

(I was born in 1985 so I have no dog in this fight and think you're all old.)
by Texanbybirth
Fri Aug 16, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 12318

Re: Ponder this, BH's... is Ben & Jerry's worth it?

I'm of the opinion there is no bad ice cream. However, I'm quite surprised no one has mentioned Blue Bell ice cream (or I missed it). It's only available in half the US though. I'm a purest and measure ice cream by how well their vanilla tastes. For me, Blue Bell is quite literally the best ice cre...
by Texanbybirth
Fri Aug 16, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 247
Views: 8053

Re: Does anyone here have no credit cards? How is that working out for you? Do you have any trouble without them?

Reading through this thread is a good reminder why I come to BH to get (and very occasionally give) personal finance advice, but I don't form my conscience or cut my moral formation on these here rocks. And OP, our AMEX Blue Cash Preferred card has been a staple in my family since 2013, even through...
by Texanbybirth
Fri Aug 16, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Kindergarten lunches
Replies: 59
Views: 5211

Re: Kindergarten lunches

Sandwiches - PB&J or Deli Meat Fruit Veggie Straws or some other type of healthy(ish) option. Dont think you can even go out in public with peanut butter anymore, much less elementary school. Im surprised you can even still buy it. Not to get off-topic, but if people just gave their infants peanut ...
by Texanbybirth
Fri Aug 16, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9 - 3rd Generation
Replies: 50
Views: 4301

Re: iPad Pro 12.9 - 3rd Generation

Yes, this is a splurge I've indulged. My wife prefers the laptop, but I love our iPad Pro. I consume (way too much of) all kinds of media on it: books, news, web browsing, music, photos & videos (to look at, not take), light spreadsheet work, and the kids like to use the Pencil to doodle. I'm excit...
by Texanbybirth
Fri Aug 16, 2019 9:00 am
Forum: Personal Investments
Topic: Max HSA on Jan 1 or biweekly
Replies: 15
Views: 1006

Re: Max HSA on Jan 1 or biweekly

There are two advantages to biweekly payroll contributions: 1) Bigger tax break because HSA contributions are excluded from FICA. 2) If you end up changing health plans midyear and your new plan is not HSA compatible, you'll have excess contributions to deal with as the HSA contribution limit is pr...
by Texanbybirth
Thu Aug 15, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 12318

Re: Ponder this, BH's... is Ben & Jerry's worth it?

https://www.talentigelato.com/ You’ll never go back. I like both. But they are very different. B&J. Have great combos. Talenti is smooth with deep flavor. +1 Never had/heard of Talenti, but I'm going to swing by the store otw home and pick up some for my wife for today's Feast. Thanks for the sugge...
by Texanbybirth
Thu Aug 15, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9 - 3rd Generation
Replies: 50
Views: 4301

Re: iPad Pro 12.9 - 3rd Generation

Yes, this is a splurge I've indulged. My wife prefers the laptop, but I love our iPad Pro. I consume (way too much of) all kinds of media on it: books, news, web browsing, music, photos & videos (to look at, not take), light spreadsheet work, and the kids like to use the Pencil to doodle. I'm excite...
by Texanbybirth
Thu Aug 15, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: 1) What age did you have your teen get a driver's license?
Replies: 48
Views: 2292

Re: 1) What age did you have your teen get a driver's license?

Got my license at 16 and it enabled me to get an internship while in high school in a different city. I do pretty well now, and I think that got started me off on the right path. Currently 28. However... looking back on it. I drove like a total idiot for the first 1-3 years driving. Scary thinking ...
by Texanbybirth
Tue Aug 06, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Are you getting rid of your gas appliances?
Replies: 43
Views: 3443

Re: Are you getting rid of your gas appliances?

stoptothink wrote: Tue Aug 06, 2019 9:13 am
daheld wrote: Tue Aug 06, 2019 7:23 am This is insane and something that makes me happy to live in flyover country.
+1
+2
by Texanbybirth
Tue Aug 06, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 9859

Re: Extreme Anxiety with Time/Money

I, too, was pretty stressed-out after becoming a home-owner. Then I had 4 kids. Now I don't have time/energy to worry about the house -- I just try to survive each moment and each day. Have some kids - it'll help you stay in the moment :D Actually parenting is so exhausting that I now find home mai...
by Texanbybirth
Mon Aug 05, 2019 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Are we considered House poor?
Replies: 21
Views: 3754

Re: Are we considered House poor?

Using your formula, we are at 30%. We do not feel house poor. Thus, you are not house poor. Did I get that right? I hope you're feeling better about your situation now.

:sharebeer
by Texanbybirth
Mon Aug 05, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: What is the boglehead threshold for refinancing your mortgage?
Replies: 6
Views: 1190

Re: What is the boglehead threshold for refinancing your mortgage?

I'm not sure that there's a "boglehead threshold", but I really like this calculator from a guy named the "Mortgage Professor". Put in your numbers and see how it plays out. Seems fairly objective to me, assuming your own subjective inputs. :mrgreen:
by Texanbybirth
Fri Aug 02, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do we move or add-on? Need some grounding...
Replies: 37
Views: 2292

Re: Do we move or add-on? Need some grounding...

OP, we've got 3 littles younger than yours at home and a 2,500 sq ft house. I can easily imagine how having 2,100 sq ft with little ones would make you feel cramped, especially if you're serious about only 3 closets! I can empathize with y'all getting itchy to upgrade or add-on. However, maybe part ...