Search found 1386 matches

by Texanbybirth
Tue Aug 06, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 9868

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: 3765

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: 1196

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: 2294

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 ...
by Texanbybirth
Thu Aug 01, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 16521

Re: Why won’t anyone hire me?

I think a key has been hit on. Companies rarely use secretaries/admins anymore compared to years past. I cover upstate NY from time to time and just thinking about some of the bigger companies...Welch Allyn, Carrier, Harris...... I'd say half the lobbies had a sign saying to call your contact to co...
by Texanbybirth
Thu Aug 01, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: How do you decide what car to buy for your kid
Replies: 91
Views: 4873

Re: How do you decide what car to buy for your kid

Our kids were given the oldest car in the family at the time they graduated from college. Before that, they had no cars. So the question was not "How do you decide what car to buy for you kid?" but "What kind of car do you buy for yourself?" Same here. Howdy Kid gets the 8 year ...
by Texanbybirth
Thu Aug 01, 2019 12:43 pm
Forum: Investing - Theory, News & General
Topic: Are You Rich?
Replies: 31
Views: 3687

Re: Are You Rich?

Absolutely - incredibly rich - I've never had to worry about having a roof over my head or when my next meal will be. I've never had to worry about keeping warm. I own a car outright! I'm living better than 99% of people in history. If that's not rich, what is? +1 And your signature line is a good ...
by Texanbybirth
Wed Jul 24, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Best way to create a Lego Inventory
Replies: 19
Views: 1742

Re: Best way to create a Lego Inventory

Any good recommendations for websites or Excel approaches to create a Lego inventory? I recognize this is an extremely important question for the forum. My kid has recently gotten into Legos (!!!!) and that inspired me to spend a rainy day going through my old childhood collection to get it organiz...
by Texanbybirth
Wed Jul 24, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Getting New House Fever... Advice?
Replies: 26
Views: 2134

Re: Getting New House Fever... Advice?

1) With our incomes, how much house can we afford? I don't want to be house-poor. 2) Should we stay put? If so, how many years after a house purchase is moving considered ok (don't want to waste real estate transaction fees)? 3) How does one learn to love the area that makes the most sense commute-...
by Texanbybirth
Tue Jul 23, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Thank you notes,,, out of favor these days?
Replies: 107
Views: 6802

Re: Thank you notes,,, out of favor these days?

sunny_socal wrote: Tue Jul 23, 2019 2:54 pm My wife always sends thank you notes. I'm lucky I have her because I don't think I would :wink:
+1
by Texanbybirth
Fri Jul 19, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Pursued the wrong career?
Replies: 37
Views: 7441

Re: Pursued the wrong career?

Yes, I often feel that I pursued the wrong career. However, I'm good at what I do, it doesn't make me sad, and it affords me the ability to care for my family. I've tried to fill as much of my time as I can with other things that bring me great joy, and it has mostly worked out well so far (34 years...
by Texanbybirth
Thu Jul 18, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: Box wine- update and recommendations?
Replies: 73
Views: 8830

Re: Box wine- update and recommendations?

Another vote for Bota Box. We like the chardonnay (green) and malbec (black I think), though I've got no issues with the cab, pinot noir, or merlot. I see the recs for the redvolution, so we might just have to give that a try, and maybe the rose (tis the season). We drink a glass of wine with dinner...
by Texanbybirth
Tue Jul 16, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Being a hands off homeowner
Replies: 51
Views: 4095

Re: Being a hands off homeowner

We also value a well maintained, updated, aesthetically pleasing home. Ultimately this is the key difference. I don't value that much at all and my choices on maintenance (or lack thereof) prove it out. I typically don't take action on something unless it presents a danger, threatens lasting damage...
by Texanbybirth
Mon Jul 15, 2019 1:27 pm
Forum: Personal Investments
Topic: Switching from passive to active management
Replies: 106
Views: 9829

Re: Switching form passive to active management

What an awful idea. For (less than) $500k per year you could probably hire some of the best people in the business for all of those "other" services they offer in addition to active management. And yet, I’m now considering a 70/30 allocation at this family office. Part of it is because the...
by Texanbybirth
Fri Jul 12, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: East/North Dallas cities
Replies: 10
Views: 1028

Re: East/North Dallas cities

I am interviewing for a position in Garland later this month and plan on looking around the area while I am there. For those how moved their families to north Dallas, how did you decided on what city to live in? There are just so many good options, I don't even know where to start. That's my home t...
by Texanbybirth
Fri Jul 12, 2019 10:56 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 449757

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

MotoTrojan wrote: Fri Jul 12, 2019 10:53 am Historically return since 1982 hasn’t varied much with those allocation ranges but drawdown increases dramatically with more equity.

Fidelity is fine but M1 makes the rebalancing seamless.
Thank you!
by Texanbybirth
Fri Jul 12, 2019 10:32 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 449757

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

JBeck wrote: Fri Jul 12, 2019 10:27 am
Texanbybirth wrote: Fri Jul 12, 2019 10:23 am I've decided to take a small % of our NW and implement the strategy, but at 50/50.
What made you go with 50/50 as opposed to the recommended 40/60 or even 60/40?
I couldn't decide 60/40 or 40/60 so i split the difference.
by Texanbybirth
Fri Jul 12, 2019 10:23 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 449757

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I've been following this thread with much interest the last few months. I've decided to take a small % of our NW and implement the strategy, but at 50/50. (I'm not sure if that's been talked about, but does the weighting affect the performance significantly?) However, I tried at Vanguard and got an ...
by Texanbybirth
Fri Jul 05, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Have you cleaned your own carpets?
Replies: 26
Views: 2326

Re: Have you cleaned your own carpets?

Yeah, we've done it plenty of times. It always comes out looking great, and I have no idea what I'm missing by not hiring a company to do it. I cleaned the carpet in my apartment before I moved out one year, and it was cleaner than the day we moved in. That was a fun year in that apartment, so I als...
by Texanbybirth
Thu Jun 27, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Need guidance on a tricky situation
Replies: 21
Views: 1331

Re: Need guidance on a tricky situation

Pay him back, say "thanks for watching the house, sorry all that crazy stuff happened!" and move on, especially if this is really a friend and not just an acquaintance. It'd leave a sour taste in my mouth if I was the friend in that situation and a buddy said "hey thanks, wanna split ...
by Texanbybirth
Thu Jun 27, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Early wedding funding for my young kids: Great Strategy!!!
Replies: 22
Views: 3570

Re: Early wedding funding for my young kids: Great Strategy!!!

Good for you planning early! Kinda lame to look at the results that COULD HAVE been, but you were still able to give your daughter (and her husband) an excellent gift. We've only got one daughter, so hopefully she'll choose the frugal Church wedding route her mother and I chose. :beer (Of course, th...
by Texanbybirth
Wed Jun 26, 2019 9:34 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says to give up employer 401K match to pay down debt
Replies: 148
Views: 10054

Re: Dave Ramsey now says to give up employer 401K match to pay down debt

Dave Ramsey is kinda like financial elementary school. Hopefully it sets you up for a lifetime of learning and maturing, but it's better than staying in preschool. And you always have those few pearls of wisdom you learn that never change no matter how old you are.
by Texanbybirth
Tue Jun 18, 2019 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to get out of daycare 6 week notice?
Replies: 32
Views: 3046

Re: Any way to get out of daycare 6 week notice?

bengal22 wrote: Tue Jun 18, 2019 11:47 am Talk to them.
Agreed. Why isn't this the default for most people's problems these days?
by Texanbybirth
Fri Jun 14, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 4066

Re: Buy Mini-Van Tomorrow or No?

No and why. Yesterday, my son graduated from high school. My mom and FIL came with the 3 of us. So 5 total. Could we all fit in a Subaru Legacy? Sure. We took 2 cars. For one event in 12 years, it would be stupid to have a bigger vehicle. In a similar way, your mother in law can go in another car.....
by Texanbybirth
Wed Jun 12, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 7116

Re: 50 or 75 gallon water heater?

If 75 gallons has worked for you and you have no immediate plans for a change in the number people living in your house, why not just stay with the status quo? It's obvious you don't want tankless. I can't imagine you'll regret the $600 as much as you'll regret an inadequate 50 gallon tank.
by Texanbybirth
Wed Jun 12, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Anything you wish you had spent money on when you were younger?
Replies: 73
Views: 7959

Re: Anything you wish you had spent money on when you were younger?

Nope, not a single thing. :beer So I know this forum is all about index investing and saving money. But is there anything you regret not spending money on? Like family vacations when your kids were younger or parents were younger/healthier? I wish I would have traded some of the money I made for mor...
by Texanbybirth
Fri Jun 07, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 4632

Re: Does a big family need 2 big cars? Question for 3 kid+ families

We've got an Odyssey and a Yaris iA. I bet you can guess the commuter's (me) car. :-) We also have 4y, 2y, and 2 month old. We hope to have a bunch more kids, but this setup fits our family nicely for now. I can tell in probably 3 - 5 more years I might want a bigger sedan, to actually fit two car s...
by Texanbybirth
Fri Jun 07, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 101
Views: 7184

Re: New Camry Questions

We have a car that has a smartkey, and one that doesn't. It annoys the heck out of me that mine doesn't have it after I spend a weekend driving with my wife in her that does have it. I'd spend the $1,200 for that alone, and none of it would be a monthly charge. BSM would be a nice addition. I've alw...
by Texanbybirth
Wed Jun 05, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Resort vacation w/ 6 month old...?
Replies: 30
Views: 2025

Re: Resort vacation w/ 6 month old...?

If your baby is a good baby, I'm sure it'd be fine. However, you don't even have the baby yet , so you have no clue. That'd be pause enough for me to wait to book this trip. You have no clue what your little one is going to be like, and if this is your first then you really have no clue how much you...
by Texanbybirth
Mon May 06, 2019 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate?
Replies: 100
Views: 8458

Re: How much do you donate?

Giving / donations is usually very subjective to your 'perspective - of wealth / how much is just enough'. I've just tried to always donate more than I spend on myself . (I drive a 40 yr old car, by choice, so I can give more to others. ) Wish I could donate 90% and live on 10%, but I was an hourly...
by Texanbybirth
Tue Apr 30, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Another Advantage of Being a Boglehead
Replies: 27
Views: 2399

Re: Another Advantage of Being a Boglehead

For example, I was driving a 17 year old Toyota Camry because I just didn't see the point of getting a new car as long as my old one was running fine. The last few years, I noticed that they were REALLY NICE to me at the car dealership. They would try to cut me a break and offer me the lowest possi...
by Texanbybirth
Tue Apr 30, 2019 11:48 am
Forum: Personal Investments
Topic: What happened to GE?
Replies: 24
Views: 2955

Re: What happened to GE?

I'm prohibited from buying individual shares, but I'd buy $500 of GE if I could. I'd also buy $500 of MSFT and AMZN.

(I don't have to say this, but I'm in no way offering purchasing advice for you. Just saying what I'd do if I could.)
by Texanbybirth
Mon Apr 29, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Why do most people hate/dread learning about money and is there a good book for helping them?
Replies: 78
Views: 5799

Re: Why do most people hate/dread learning about money and is there a good book for helping them?

bluebolt wrote: Sat Apr 27, 2019 11:37 am People dread learning that they are not earning enough to support the lifestyle they are living.
Oh, pithy but succinctly accurate. I like it!
by Texanbybirth
Mon Apr 29, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: How Much to Tip Wedding Officiant
Replies: 38
Views: 2735

Re: How Much to Tip Wedding Officiant

I think we paid our priest $250 in 2012, but in our religion (RC) we couldn't have had the wedding without him (or another clergy). :beer I believe it also depends on the minister. A friend was married by a cardinal is a NE city, and he didn't even let them pay him! He just requested a donation to a...
by Texanbybirth
Mon Apr 29, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 10768

Re: EXTREMELY frugal things from our parents and grandparents

- Keep soap remnants, all held together with elastic bands. Don't know how he combined them later. If you take the old small piece of soap, you can attach it to the new bar when they're both wet, and it will stay attached. I do that now. Me too :oops: I use a bar of soap until it literally disappea...
by Texanbybirth
Mon Apr 29, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: What are the cons of always being a one parent working household?
Replies: 134
Views: 9379

Re: What are the cons of always being a one parent working household?

Details: 46 and 42 year old parents 4 kids - ages 12 to 4 (Tons of work keeping up with it all...laundry, cooking, kid needs, cleaning, running everyone around, etc., etc., etc.) 42 year old works 5 minutes from home so simple work lifestyle (no travel, work from home as needed, 7 weeks vacation, v...
by Texanbybirth
Fri Apr 26, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: [Online Learning] Anyone used Coursera or edX?
Replies: 4
Views: 662

[Online Learning] Anyone used Coursera or edX?

I'm looking at a few classes/specializations to help broaden my skillset, mainly around analytics/data science/big data. Has anyone used a Coursera subscription or purchased courses from edX to help them professionally? Does your company have a corporate subscription you use? I can see some reviews ...
by Texanbybirth
Fri Apr 26, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Minivan alternatives?
Replies: 54
Views: 5534

Re: Minivan alternatives?

Crash test ratings are a big concern for me, so that leaves the Odyssey or Pacifica. The new Pacifica is a couple years old now, so I'd feel comfortable getting it. Another poster pointed out their reasons for not going with the hybrid Pacifica - I completely agree. I think either of those vans woul...
by Texanbybirth
Wed Apr 24, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 19756

Re: Whats the Point of Climbing the Corporate Ladder?

Some people want the power. Some people want the title or prestige. Some people want the money. A few people are actually good at being leaders, even the reluctant ones. It doesn't sound like you fit into those categories, but I'd also heed the advice of those telling you to not get too comfortable....
by Texanbybirth
Wed Apr 24, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Examples of financial accounting rules not applicable to personal finance?
Replies: 60
Views: 3169

Re: Examples of financial accounting rules not applicable to personal finance?

I'd question why you need to prepare your personal records using financial accounting rules to that level of detail. Good question. Ppl may differ why they keep records. Personally, I do it so that I can compare my income/spending & saving rates year to year (or month to month). Having a one ti...
by Texanbybirth
Wed Apr 24, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Repayment vs Continued Investment: philosophical question?
Replies: 5
Views: 390

Re: Debt Repayment vs Continued Investment: philosophical question?

Pay off the loans, take the interest bonus ($25k) and the random $30k in checking (not sure I saw how you earmarked that amount), and split the difference on the practice buy-in 50-50 financed. It doesn't create a bad habit, as long as you don't let it. You could payoff the practice buy-in over the ...
by Texanbybirth
Tue Apr 23, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 13427

Re: Who is buying 1-3 year old used Toyotas and Hondas?

Maybe they're really good at negotiating and get them for way cheaper than what you're seeing. I'm not sure where you're looking at the price, though.
by Texanbybirth
Tue Apr 23, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 5479

Re: At what age did you buy your first first class airplane ticket?

I'd fly my family first (or at least business) class if I were you, especially international. My wife and I used to do it before we had kids just because we could. As others have questioned, are you a doc or something? Your savings are really low, but you can easily boost them up if you just haven't...
by Texanbybirth
Tue Apr 23, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Taking the new job or not?
Replies: 24
Views: 1417

Re: Taking the new job or not?

Do not take the "new" job. Keep your current job.
by Texanbybirth
Tue Apr 23, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: Best pillow under $50?
Replies: 33
Views: 3058

Re: Best pillow under $50?

My wife gets Ralph Lauren pillows (king size) from Macy's for $8 a pop, cheaper because she uses their coupons. They last us at least 2-3 years. I couldn't care less about my pillow (I sleep like a baby rock), but she replaces them when they start to bother her.

:beer
by Texanbybirth
Mon Apr 22, 2019 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Housing: "Super Savers" vs. the "Rest"...
Replies: 85
Views: 10240

Re: Housing: "Super Savers" vs. the "Rest"...

So OP, you bought a 4k sq ft home when you were a family of four? Even with kids at home it seems like you fit squarely in the top right corner of the second graph you posted, with over 1k sq ft. per person. Is that right? I'm surprised you were able to keep housing to 10-14% of income at that size ...
by Texanbybirth
Mon Apr 22, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: What are your 5 favorite tools (hand, power, other)
Replies: 33
Views: 2820

Re: What are your 5 favorite tools (hand, power, other)

iPhone (to call repairman)
AMEX (to pay repairman)
hammer
tape measure
DeWalt cordless drill with drillbit accessory box

:D :beer
by Texanbybirth
Mon Apr 22, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Where to buy a movie (Amazon/Google/iTunes/PS)?
Replies: 35
Views: 1844

Re: Where to buy a movie (Amazon/Google/iTunes/PS)?

If you're talking about the digital version, then we've used Amazon and iTunes. Both work fine on phones, iPads, laptops, Apple TV (Amazon and iTunes app). We also signed up for the "Movies Anywhere" service, which aggregates all your movie purchases from the different vendors. It even wor...
by Texanbybirth
Wed Apr 17, 2019 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 8873

Re: I’m a Loser Stuck in a Dead End Job

I just want to say from the non-financial part of your life you've posted, I wouldn't say you are a loser. Who cares what your net worth is, although it's good that you're not in debt and do have some spare cash, when you literally spent yourself caring for family? In the end, how you treat people i...
by Texanbybirth
Mon Apr 15, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 127
Views: 7990

Re: Soon to be dad, how to prepare

Just wanted some feedback on how to prepare myself Start by waking up from a sound sleep every 2-4 hours. Don't worry, that phase only lasts for 18 years or so. Good luck. Thanks for the good laugh, we are expecting baby #4 in August and just keep resetting the clock, haha. Somehow you just survive...