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Re: Can I afford it?

Is it a good purchase? That's a different question. Exactly. And it's worth noting that, in the "Can I Afford It?" Suze Orman segment the OP refers to, Suze approaches it the same way. She'll eye-rollingly approve the most idiotic purchases, just as long the a caller has the financial mea...
by JupiterJones
Tue Mar 03, 2015 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Can I afford it?
Replies: 50
Views: 3732

Re: Tourists in Manhattan

thirdman wrote:Like jazz, broadway musicals [...] What should we see?


Jazz:

Village Vanguard

Smalls

For Broadway, hit the TKTS booth and see what looks good!
by JupiterJones
Tue Mar 03, 2015 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 25
Views: 1673

Re: Thought for the Day: Invest Logically

There is actually little need for money in Star Trek's world, at least within the Federation:

http://en.memory-alpha.org/wiki/Money

It could be argued that Spock would, logically, not invest at all.
by JupiterJones
Tue Mar 03, 2015 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Thought for the Day: Invest Logically
Replies: 17
Views: 1640

Re: Can I afford it?

You don't have to go into debt to buy it, you don't have any other debt apart from the house, you're on track with your retirement, you have a good emergency fund, and you haven't mentioned any other financial priorities (such as kid's college fund, etc.)... But are you paying PMI on your mortgage? ...
by JupiterJones
Tue Mar 03, 2015 10:22 am
 
Forum: Personal Consumer Issues
Topic: Can I afford it?
Replies: 50
Views: 3732

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

That's a real shame. Methodology aside, the fundamental message of TMND--that the people who look rich may very well not be, and that the regular schmoes of the world might actually be sitting on some real wealth--was hugely influential on me. It was the "a-ha!" moment that started me on t...
by JupiterJones
Tue Mar 03, 2015 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 48
Views: 7845

Re: Favorite Vacation/Trip

Yeah, Vegas would be the top of the list. You can make a trip there as cheap (off-strip hotel, buffets with coupons, cheap/free attractions, people watching, quarter video poker) or as expensive (production shows, fantastic dining, luxury accommodations, spas, high-roller gambling) as you want. And,...
by JupiterJones
Mon Mar 02, 2015 11:14 am
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 38
Views: 3664

Re: Safety of Vanguard online access

If we assume that space characters are valid, then we could argue that all passwords are maximal length... Not so sure that we could. It's not like a typewriter where "space" is merely not typing anything. Spaces on a computer are data . They are legitimate characters, just like "A&q...
by JupiterJones
Wed Feb 25, 2015 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safety of Vanguard online access
Replies: 28
Views: 1696

Re: Ideas of where to relocate

new2bogle wrote:Phoenix. I believe it meets all of your criteria.


Yup. Or Tucson. Or Albuquerque...
by JupiterJones
Wed Feb 25, 2015 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Ideas of where to relocate
Replies: 32
Views: 2467

Re: Safety of Vanguard online access

Oh, and here's the obligatory XKCD classic comic on passwords:

Image
by JupiterJones
Wed Feb 25, 2015 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safety of Vanguard online access
Replies: 28
Views: 1696

Re: Safety of Vanguard online access

My wife has always been uneasy about online access to our Vanguard account so we have continued to have paper statements delivered via the mail and to perform any transactions on the phone. And yet mail can be intercepted, phones can be tapped (or snooped wirelessly on if you're using a cordless ph...
by JupiterJones
Wed Feb 25, 2015 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safety of Vanguard online access
Replies: 28
Views: 1696

Re: Moving to Anchorage from Dallas

Having been to both Texas and Alaska, if I had to live in one of the two for awhile, I'd definitely pick Alaska. YMMV.
by JupiterJones
Mon Feb 23, 2015 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Anchorage from Dallas
Replies: 30
Views: 2490

Re: Bond portion

Depends on your goals, time horizon, risk-tolerance, expectations of interest rate increases, tax situation, and all that other YMMV stuff. But IMHO it's tough to go wrong with a "bit of everything" mutual fund such as Vanguard's Total Bond Market Index Fund. It's what I mostly use, anyway.
by JupiterJones
Thu Feb 19, 2015 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond portion
Replies: 2
Views: 250

Re: Credit Score got hit hard

joshdamon wrote:my score was 790+. Now my score is at 710.


How important is it that you have a 790+ credit score right now? Are you planning on taking out a mortgage anytime soon?
by JupiterJones
Thu Feb 19, 2015 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Score got hit hard
Replies: 41
Views: 3862

Re: Music / Song Help

Hayden wrote:Well, I hate it, but some people like MacArthur Park


Count me as some people. As long as we're talking about the Donna Summer version, of course.

(What? I like disco. So sue me. :P )
by JupiterJones
Thu Feb 19, 2015 10:02 am
 
Forum: Personal Consumer Issues
Topic: Music / Song Help
Replies: 52
Views: 2258

Re: Career changer and choosing best option?

Which career path will get my closest to my goal of saving 250k and still being in good health? If, by "health", you're including mental health, then I'd encourage you to look at more than just what a career pays. Will the job be something you actually might like doing? Will it be even a ...
by JupiterJones
Wed Feb 18, 2015 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Career changer and choosing best option?
Replies: 41
Views: 3211

Re: Music / Song Help

"Talkin' Seattle Grunge Rock Blues" -- Todd Snider
by JupiterJones
Wed Feb 18, 2015 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Music / Song Help
Replies: 52
Views: 2258

Re: Automatic refresh

Yup, tabbed browsing is THE way to read any internet forum, or news website, etc.

I just go down the list (of posts, articles, whatever), opening tabs in the background as I go. Then just click through the tabs and read away...

Haven't used the back button in ages. :D
by JupiterJones
Wed Feb 18, 2015 1:53 pm
 
Forum: Forum Issues and Administration
Topic: Automatic refresh
Replies: 21
Views: 1203

Re: What is your favorite consumer product?

Screwpull "waiter's" wine opener, with the two-step lever thingy...

Image
by JupiterJones
Wed Feb 18, 2015 1:50 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 165
Views: 9868

Re: What is the worst financial decision that you've made?

Not investing for retirement until I was in my 30s.

Although that wasn't so much of a "bad financial decision" as a complete lack of awareness.
by JupiterJones
Wed Feb 18, 2015 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 14793

Re: Anti-virus software on my MAC?

Just as an aside... when referring to the Apple product, "Mac" is an abbreviation, not an acronym. So unless you really mean " Media Access Control ", you would not normally write it in all-caps. We now return to our regularly scheduled, non-productive "Macs & Malware&qu...
by JupiterJones
Tue Feb 17, 2015 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Anti-virus software on my MAC?
Replies: 20
Views: 1262

Re: Recommend a movie for a lonely Boglehead on Valentine's

I bit late to this party, but I'll second the recommendations of "Notting Hill" and "Somewhere in Time".

But this Valentine's day, we watched one of my faves: The (IMHO) criminally-underrated 1989 film "Cousins".
by JupiterJones
Mon Feb 16, 2015 10:19 am
 
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 4456

Re: Mental games

Random observations... 1. "Neuroplasticity" is an actual thing, but it simply means that you can continue to grow new brain pathways even as an adult. It doesn't necessarily support the idea of "brain training" though--that getting good at a particular puzzle means you get smarte...
by JupiterJones
Mon Feb 16, 2015 10:11 am
 
Forum: Personal Consumer Issues
Topic: Mental games
Replies: 32
Views: 2494

Re: Bogglehead Career Advice

I'm a creative person, I love art and music and I have been told I am extremely personable. I really enjoy a multifaceted work environment. One of my best strengths is that I can really deal with people well. I feel the right thing is certainly out there but I haven't thought of it yet. Do any of y...
by JupiterJones
Thu Feb 12, 2015 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogglehead Career Advice
Replies: 42
Views: 2823

Re: just starting my roth IRA: which funds to choose?

I worry anything I buy right now, it might be the highest price. Remember, you're investing for retirement. You don't care one whit about what your shares are worth until the day you sell them . And that day isn't going to be for, what, twenty years or more? Do you really think stocks are at the hi...
by JupiterJones
Tue Feb 10, 2015 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: just starting my roth IRA: which funds to choose?
Replies: 12
Views: 795

Re: Food of the Fifties

Oh yeah... Waldorf salad! My grandmother always made that. :D For some reason, dishes where the adjective follows the name of the food always strike me as retro. Not sure if these count as "fifites" per se, but how about: ⋅ Beef Wellington ⋅ Chicken Kiev ⋅ Oys...
by JupiterJones
Tue Feb 10, 2015 10:21 am
 
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 11208

Re: Valentine’s day dinner I could cook?

Lasagna. Get the no-boil kind of lasagna noodles. Recipe will probably be on the back of the box. You can even leave out the ground beef if you don't feel up to the task of browning it. The nice thing about it is that it's all about the prep work. Then it just bakes in the oven, leaving you plenty o...
by JupiterJones
Tue Feb 10, 2015 10:11 am
 
Forum: Personal Consumer Issues
Topic: Valentine’s day dinner I could cook?
Replies: 40
Views: 2398

Re: Looking for ideas for a romantic getaway

If you and your wife enjoy fine service, being pampered, award-winning food and wine... basically being treated like Lord and Lady Grantham, AND if you don't mind paying a tidy sum for it, you might consider Blackberry Farm . My wife and I have been twice. Very romantic. Not cheap, but not a rip-off...
by JupiterJones
Tue Feb 10, 2015 10:01 am
 
Forum: Personal Consumer Issues
Topic: Looking for ideas for a romantic getaway
Replies: 31
Views: 2176

Re: Dave Ramsey says you shouldn't own bonds?

Oh, and there's another area where Dave Ramsey and the Bogleheads are actually in close agreement: Insurance. The Dave stance seems to be... ⋅ Avoid extended warranties ⋅ Long-term disability insurance is important ⋅ Avoid whole life like the plague. Level-term is the w...
by JupiterJones
Tue Feb 10, 2015 9:54 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 8807

Re: Dave Ramsey says you shouldn't own bonds?

2. Pay off debt using the debt snowball. [...] I can see some psychological benefits to it There's also a cash-flow benefit to it. Those "quick wins" from paying off the smaller debts first not only provide a motivational boost but also free up the money that was "forced" to go ...
by JupiterJones
Tue Feb 10, 2015 9:48 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 8807

Re: Dave Ramsey says you shouldn't own bonds?

He also tells kids who aren't getting any parental support to not to _ever_ take out any student loans but rather defer going to college or try to work full-time to support yourself and simultaneously go to community college. Which is pretty much exactly what I did. Turned out pretty well for me. :...
by JupiterJones
Mon Feb 09, 2015 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 8807

Re: Found $100 Bill at Walmart

You ever see those TV shows where they do things like have an actor "lose" $100 and then record the scene with hidden cameras? In situations like the OP's, I just imagine how I'd feel if it was all one of those sorts of set-ups. Would I feel ashamed or proud to see the playback of what I d...
by JupiterJones
Fri Feb 06, 2015 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Found $100 Bill at Walmart
Replies: 161
Views: 11783

Re: Dave Ramsey says you shouldn't own bonds?

Yes, you are correct that Ramsey does not recommend investing in bonds. You are also correct that the broad consensus among just about everyone else is that most people should hold bonds, in some amount, in their retirement portfolio. This is one of the many points on which Dave's advice differs fro...
by JupiterJones
Fri Feb 06, 2015 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 8807

Re: Boston Must See Sites and Bites

Boston is a very walkable town, and the T goes most places a tourist would want to go. You definitely do not need (or want) a car. Oh, there's also a bike sharing system there: http://www.thehubway.com/ I'll second the recommendation of Wally's. :beer No one's mentioned the Mapparium yet? Worth a vi...
by JupiterJones
Fri Feb 06, 2015 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Boston Must See Sites and Bites
Replies: 51
Views: 2398

Re: Complete and utter newbie wanting direction...

Mike Piper's book "Investing Made Simple" is a great way to get started (and cheap if you get the eBook version). I actually keep a couple of copies at work to loan to coworkers who ask about that sort of thing. Personally, I'm in the camp of paying off all non-mortgage debt before startin...
by JupiterJones
Thu Feb 05, 2015 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Complete and utter newbie wanting direction...
Replies: 28
Views: 1867

Re: When they say 10%.... [all to retirement accounts?]

And don't forget to leave 4-8 months of expenses in cash for your emergency fund! This ^^^ If you have a decent emergency fund in place, then you won't worry as much about "not being able to access [your] own money until a certain age". In a way, one of things an emergency fund is "p...
by JupiterJones
Thu Feb 05, 2015 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: When they say 10%.... [all to retirement accounts?]
Replies: 20
Views: 2611

Re: What Movie Have You Recently Watched?

It's no different than knowing [about other true-life figures] I would argue that fate of Lincoln and Bin Laden falls under the category of "common knowledge" (as in "is taught in history books"), whereas the fate of Chris Kyle does not. So yeah, it's different enough to at leas...
by JupiterJones
Wed Feb 04, 2015 9:55 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70488

Re: Are car loans really that bad?

Stop making payments on the loan, then you'll see how bad they can be when the tow truck repossesses your car - now you have no money and you have no car and there you are! :twisted: That's the main problem I have with a car loan (or any loan). It puts you "on the hook" for the payment ev...
by JupiterJones
Mon Feb 02, 2015 6:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are car loans really that bad?
Replies: 86
Views: 6760

Re: Book on Management (Practical with Examples)

I'll second the recommendations for "The One-Minute Manager" and "Entreleadership". Although both books aren't 100% full of gems, there's enough good stuff in there to make them worth a look. And deciding for yourself what advice is wheat and what is chaff is a valuable exercise ...
by JupiterJones
Wed Jan 21, 2015 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Book on Management (Practical with Examples)
Replies: 13
Views: 999

Re: What Should I Do With My HSA?

Further, the only regular health expense I have at the moment would be my yearly eye exams, contacts, and new glasses every now and then. How about the dentist? If you have dental insurance as a paid option with your current employer, drop it and just pay out of your HSA. There are all sorts of med...
by JupiterJones
Mon Jan 19, 2015 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Should I Do With My HSA?
Replies: 10
Views: 1110

Re: How should my wife and I manage our separate accounts?

The typical order is this: ⋅ Contribute to your 401k (and, in your case, the Simple IRA) up to the match. ⋅ Any money left over? Put that in your IRAs. ⋅ Maxed out the IRAs? Go back to the company plans up to the individual contribution limit. The rationale is that the ...
by JupiterJones
Mon Jan 19, 2015 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Delete
Replies: 14
Views: 1303

Re: Suze Orman: $100 into $860k, and cfiresim

JamesSFO wrote:So Suze is now saying 11%?!? Shame on her, usually she's less crazy than Ramsey.


Dave says 12%. So Suze is still 100 basis points less crazy. :P
by JupiterJones
Mon Jan 19, 2015 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 5195

Re: 7 nights- Scotland or Ireland?

If it were me, I'd choose Scotland on the basis of whisky alone. :D
by JupiterJones
Mon Jan 19, 2015 3:35 pm
 
Forum: Personal Consumer Issues
Topic: 7 nights- Scotland or Ireland?
Replies: 31
Views: 2056

Re: Am I making a mistake being too conservative?

my current portfolio will still grow Well, just to be pedantic, you actually can't know that. It probably will grow, but it might not. There's also the risk of it not growing enough to keep pace with inflation, which is financially equivalent to not growing. All that said, it sounds like you're mak...
by JupiterJones
Thu Jan 15, 2015 10:00 am
 
Forum: Investing - Theory, News & General
Topic: Am I making a mistake being too conservative?
Replies: 58
Views: 7638

Re: Finally joined the two comma club

Awesome work! Congrats!

:sharebeer
by JupiterJones
Thu Jan 15, 2015 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Finally joined the two comma club
Replies: 42
Views: 6232

Re: Mac Antivirus

Yes, you should definitely have Chrome as an alternate, and maybe even Firefox for safe measure.

You can also see if these strange behaviors persist in other browsers. It might just be a Safari thing. (I increasingly am using Chrome over Safari these days anyway...)
by JupiterJones
Wed Jan 07, 2015 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Mac Antivirus
Replies: 15
Views: 1286

Re: Slovenia And Croatia In May

You'll need a car for this: Get up early in the morning in Ljubjana and drive out to one of the two popular caves in the Karst region. We did Škocjan, which was jaw-dropping. I hear that Postonja is good too, but maybe a bit more "Disney". After that, keep driving west to a little town on ...
by JupiterJones
Wed Jan 07, 2015 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Slovenia And Croatia In May
Replies: 25
Views: 1796

Re: Bilingual households

I also hired private piano teachers for my kids. They lost interest very quickly and forgot playing in middle school. Yeah, but imagine if you and your wife both played piano too, and helped with teaching it to your kids? And if gathering around the piano to play and sing songs together as a family...
by JupiterJones
Mon Jan 05, 2015 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Bilingual households
Replies: 39
Views: 5152

Re: West Coast Road Trip Advice

Re: your packing list: If you have a cellphone and a headlamp, that's two flashlights right there. It's likely you can get by without a separate, additional flashlight. (I"m a fan of traveling light, even when going by car.) Heck, you could even use the cellphone as a compass, although I can se...
by JupiterJones
Mon Jan 05, 2015 5:50 pm
 
Forum: Personal Consumer Issues
Topic: West Coast Road Trip Advice
Replies: 17
Views: 2050

Re: How to break up with an advisor

Fifty ways to leave your advisor The problem's all about your costs, she said to me. The answer is easy if you go for lower fees. I'd like to help you move your money to VG. There must be 50 ways to leave your advisor. 50 ways to leave your advisor. You just move all your bucks, Chuck. Pick a new f...
by JupiterJones
Mon Jan 05, 2015 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to break up with an advisor
Replies: 33
Views: 3227

Re: Lottery on the house?

joshdamon wrote:Seriously, why or why not would this be possible?


IANAL, but it's very likely against the law where you live.
by JupiterJones
Tue Dec 23, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Lottery on the house?
Replies: 2
Views: 882
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