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Re: Newbie...What did I invest in???

He is not your friend.
by M_to_the_G
Sat Apr 25, 2015 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie...What did I invest in???
Replies: 11
Views: 1117

Re: 2 million dollar mistake meeting with MIL's financial gu

Yes, no sitting down with the "financial guy," even if he buys you a lobster dinner. The same goes for sitting down with a timeshare property salesperson, etc. None of this, "Oh, I'll just listen to what he has to say, no harm in that, right?" Ha! The lobster tail will not make u...
by M_to_the_G
Fri Apr 24, 2015 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 million dollar mistake meeting with MIL's financial guy
Replies: 23
Views: 4878

Re: Marginal benefit of spending more on car

For what it's worth, my $5k Accord has leather seats. :mrgreen:
by M_to_the_G
Thu Apr 23, 2015 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Marginal benefit of spending more on car
Replies: 67
Views: 4730

Re: Marginal benefit of spending more on car

Point taken. Interesting that things like heated seats, blue tooth connectivity, and adaptive cruise control are so important to folks. I still see a car as just a way to get from point A to point B. Perhaps because I've always driven older cars, I never got into those things, so I don't know what I...
by M_to_the_G
Thu Apr 23, 2015 10:43 am
 
Forum: Personal Consumer Issues
Topic: Marginal benefit of spending more on car
Replies: 67
Views: 4730

Re: Marginal benefit of spending more on car

The miles on the odometer, the general reliability of the model, the history of the vehicle, and the soundness of the mechanicals is what it boils down to. For the $5k you mentioned, you can get an early 2000's Honda Accord (or equivalent) with 100k miles or less in fantastic mechanical shape that w...
by M_to_the_G
Thu Apr 23, 2015 9:05 am
 
Forum: Personal Consumer Issues
Topic: Marginal benefit of spending more on car
Replies: 67
Views: 4730

Re: Paying for GFs school - any way to help myself?

You shouldn't be surprised at the feedback. So you are committed enough to pay for her education, but not committed enough to marry her? Seems inconsistent. +1,000,000 OP, your post immediately raised red flags with me, too. The biggest red flag for me was your assertion that you would be perfectly...
by M_to_the_G
Wed Apr 22, 2015 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4638

Re: Should I buy into my brother's shop?

Business is business. Family is family. Business is not family. Family is not business. If I want to help family, I give them money. If I don't want to help them, I don't give them money. I almost cannot think of one situation in which I would invest with family. This is particular to my family, tho...
by M_to_the_G
Wed Apr 22, 2015 11:23 am
 
Forum: Investing - Theory, News & General
Topic: Should I buy into my brother's shop?
Replies: 22
Views: 2758

Re: 35 year old, looking for AA - Completely confused.

talltodd wrote:Take the money and put it toward your mortgage.


+1

A guaranteed 3.625% looks pretty good.
by M_to_the_G
Wed Apr 22, 2015 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: 35 year old, looking for AA - Completely confused.
Replies: 8
Views: 1640

Re: Help Evaluating Federal Job Offer

Hi M_to_the_G , Thanks for the points. Also decided to take the FEHB since I can carry over the insurance at the retirement. Spouse is going to take over HSA Employee + Children option. Me going to take APWUHP CDHP plan. It uses UHC network and our primary care physician only accepts UHC now. It wo...
by M_to_the_G
Sat Apr 18, 2015 10:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Evaluating Federal Job Offer
Replies: 28
Views: 2690

Re: John Bogle's Don't Peek Challenge

The idea is good, but I can't do it. I'm sure he's mostly getting at the principal behind it, anyway. I have no choice but to look when I make taxable purchases so I know what to buy, as it depends on what's low, relative to my asset allocation goals.
by M_to_the_G
Sat Apr 18, 2015 6:07 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 137
Views: 11645

Re: Help Evaluating Federal Job Offer

Your comparison is somewhat off base, OP. You are neglecting the part of the iceberg that is under the surface of the water. That is to say, the federal job iceberg is far, far bigger than you seem to have initially assumed: 1. The ER on TSP funds is currently about 0.025%. That's half of the ER for...
by M_to_the_G
Sat Apr 18, 2015 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Evaluating Federal Job Offer
Replies: 28
Views: 2690

Re: Can't Just Do Nothing

Blaise Pascal — 'All of humanity's problems stem from man's inability to sit quietly in a room alone.'
by M_to_the_G
Sat Apr 18, 2015 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can't Just Do Nothing
Replies: 45
Views: 6124

Re: how to deal with it [regret over past investing choices]

These words changed my life, and I offer them to you now: There is no such thing as failure, only feedback. You did *not* "fail" in your previous choices. You only received feedback. There is no such thing as failure, and no one has ever failed at anything; they've only received feedback f...
by M_to_the_G
Thu Apr 16, 2015 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 5760

Re: Indicator of a bad advisor?

To the OP, I am curious to know how this pans out if you speak to your MIL. Please post an update. A lot of these advisors specialize in cozying up to the elderly, and sometimes they can have a scared, elderly person convinced that they are their only friend in the whole world. I hope it isn't to th...
by M_to_the_G
Sun Apr 12, 2015 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Indicator of a bad advisor?
Replies: 13
Views: 1662

Re: Conducting job interviews

Give everyone whom you interview the time of day, and try to figure out what their motivation is and how they fit. In interviews, it's easy to get derailed and confused, so always keep in mind throughout the conversation that you are meeting for a purpose: to find out if this is the person for this ...
by M_to_the_G
Thu Apr 02, 2015 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Conducting job interviews
Replies: 11
Views: 1755

Re: Amazon.com Goes Retro (1999) for April Fool's

It was extremely annoying
by M_to_the_G
Thu Apr 02, 2015 11:55 am
 
Forum: Personal Consumer Issues
Topic: Amazon.com Goes Retro (1999) for April Fool's
Replies: 18
Views: 2255

Re: Peer-review my IPS?

As others have said above, your plan looks good! Also as others have said above, I would definitely make sure that both you and your spouse are maxing out all tax-advantaged space every year. That means $18,000 into 401(k) plans, and $5,500 into Roth IRAs.
by M_to_the_G
Thu Apr 02, 2015 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Peer-review my IPS?
Replies: 13
Views: 1717

Re: What do you think of storage sheds as an investment?

In addition to what others have said above, I'd add that one should think deeply and hesitate much before considering any direct investment opportunity in an area/field where you have absolutely no experience or knowledge of the industry.
by M_to_the_G
Thu Apr 02, 2015 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: What do you think of storage sheds as an investment?
Replies: 38
Views: 3480

Re: A great shave at a great price

Maybe you're right, and all those B&B forum members are really cutting their faces up every morning and walking out of the door looking like they were attacked by Freddy Kruger, and they just feel they have to justify their wet shaving experiment due to buyer's remorse. ... or maybe they learned...
by M_to_the_G
Thu Apr 02, 2015 11:21 am
 
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 53
Views: 6727

Re: A great shave at a great price

Yes, I saw that you are a proponent of DE shaving. I tried a lot of different products before settling on my currently lineup (no brush, Speick stick soap, Merkur Futur razor, and Astra platinum blades). It was a learning curve for me, and it took me a good amount of time (IIRC, almost a year) and a...
by M_to_the_G
Thu Mar 26, 2015 11:16 pm
 
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 53
Views: 6727

Re: A great shave at a great price

jimday, Sound like you put in the full effort. Sometimes I wonder what people did when there were only DE blades and no Dorco or Harry's. The answer, I suppose, is that they grew a beard or had a barber shave them with a straight razor. The answer is that they learned to use them properly. You can ...
by M_to_the_G
Thu Mar 26, 2015 1:57 pm
 
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 53
Views: 6727

Re: A great shave at a great price

Every man, without exception, can get a better shave with a DE/safety razor than he can with a disposable. It's a matter of technique. Yes. This has been my experience. I posted before I saw this. The DE is the only razor I can use daily without getting irritation. However, I have an unfair advanta...
by M_to_the_G
Wed Mar 25, 2015 10:00 am
 
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 53
Views: 6727

Re: Roommate problems

Yes, your feelings strike me as 100% reasonable. When I was a landlord years ago, I stipulated to my tenants that they were to have no "live in" significant others, as this would be an inconvenience to other tenants. The occasional -- even daily -- visit was fine, but a line is crossed whe...
by M_to_the_G
Mon Mar 23, 2015 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roommate problems
Replies: 39
Views: 4279

Re: A great shave at a great price

Every man, without exception, can get a better shave with a DE/safety razor than he can with a disposable. It's a matter of technique.
by M_to_the_G
Fri Mar 20, 2015 10:06 pm
 
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 53
Views: 6727

Re: What's your average ER? [Expense Ratio]

Don't know, but all I own is Vanguard admiral shares and TSP funds, so pretty dang low! :mrgreen:
by M_to_the_G
Mon Mar 16, 2015 12:10 am
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7635

Re: How does one increase their typing speed and accuracy?

The only useful thing I learned at a rural public high school in the Deep South was typing. The instruction for every other subject was ridiculously bad. For example, during my senior year I had an AP English teacher who couldn't spell or understand basic grammar. One story that went around for a wh...
by M_to_the_G
Mon Mar 16, 2015 12:02 am
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 4359

Re: What won't you pay with Credit Card?

I pay for everything I can with a credit card for the sole purpose of having a well-established credit history. I don't care about cash-back or rewards or anything like that.
by M_to_the_G
Sun Mar 15, 2015 11:50 pm
 
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 8567

Re: keep advisor or do it myself

You can do it yourself, sure. You should understand enough about finance and market history to at least be able to do it yourself. As Bill Bernstein says (I know I've cited this quote a lot, but that's only because it's that good): "Finance isn't rocket science, but you'd better understand it c...
by M_to_the_G
Sun Mar 15, 2015 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: keep advisor or do it myself
Replies: 38
Views: 2977

Re: TSP account asset allocation?

A few thoughts: 1. Suze Orman is a "guru," like Robert Kiyosaki, Dave Ramsey, etc. They have some interesting anecdotes to offer but little else. 2. Your statements and reflections on the F fund and other topics tells me some book-reading is in order. People can respond to your questions, ...
by M_to_the_G
Fri Mar 06, 2015 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP account asset allocation?
Replies: 11
Views: 859

Re: Recent College Grad Needing Advice

Read Bill Bernstein's pamphlet "If You Can."
by M_to_the_G
Fri Mar 06, 2015 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recent College Grad Needing Advice
Replies: 25
Views: 1623

Re: What video games are you currently playing?

I like playing games that are 4 years old (or older). They tend to be much cheaper than when they were initially released, and they are usually sold as "ultimate" editions (or "gold edition," etc.), which means they will include all patches, expansions, and downloadable content. ...
by M_to_the_G
Fri Mar 06, 2015 1:48 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 172
Views: 11148

Re: Good career for woman mid 30's?

ieee488 wrote:English speaking and writing skills is very important.


+1

They is indeed! :mrgreen: :mrgreen:
by M_to_the_G
Fri Mar 06, 2015 1:38 pm
 
Forum: Personal Consumer Issues
Topic: Good career for woman mid 30's?
Replies: 34
Views: 3702

Re: What would YOU want from a financial advisor?

What would I want from a financial advisor? Space, preferably at least 100 feet. As for folks who have "no clue about investing" and "want a professional," as you put it, I say their reward for their willful ignorance is being stuck with an advisor. If I may quote Bill Bernstein ...
by M_to_the_G
Wed Mar 04, 2015 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would YOU want from a financial advisor?
Replies: 28
Views: 2434

Re: Mid Thirties/Divorced and seeking a fresh start

Sorry to hear about the divorce. I don't consider it a "sob story." I like it when people open up a bit and give some insights into their situations. But now that it's over and you don't have to pay alimony ever again, the future is bright. Rather... it can be bright. Agreed with what othe...
by M_to_the_G
Wed Mar 04, 2015 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mid Thirties/Divorced and seeking a fresh start
Replies: 15
Views: 2533

Re: New Investor - Portfolio Guidance

All of my individual stocks have now sold and been settled, including fractional shares. Very happy to see only one or two (mutual fund) holdings in each account. Hurray for simplicity! Thanks to all of your help. :beer Duckie strikes again! Someone get that duck a medal! :beer New AA (Asset Alloca...
by M_to_the_G
Wed Mar 04, 2015 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor - Portfolio Guidance
Replies: 7
Views: 874

Re: Peek into my finances and life :)

Did I understand correctly that you consider your credit card limits to be an emergency fund?

Also, your "other investments" are also retirement investments... I hope.
by M_to_the_G
Wed Mar 04, 2015 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Peek into my finances and life :)
Replies: 11
Views: 3112

Re: Not Interested in Ever Owning Real Estate

I'm in the same boat as you, brother. I hope to never own any property until retirement. It's a major turn off to think about trimming hedges, going to housing association meetings, dealing with contractors when the roof collapses, etc. And that would just be for the house I live in, nevermind "...
by M_to_the_G
Wed Mar 04, 2015 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Not Interested in Ever Owning Real Estate
Replies: 35
Views: 3493

Re: How to find a spouse who wants financial independence

Bogleheads, I am looking for a wife. It is important to me that we are on the same page regarding financial independence. Can you offer me any advice regarding how you met your spouse and how she/he helped or detracted from your financial independence? I am mainly interested in positive stories her...
by M_to_the_G
Wed Mar 04, 2015 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 51
Views: 8336

Re: How do I learn to like sushi?

You don't have to like sushi. My mother taught me a valuable lesson in changing culinary tastes and fads when I was very young. In the part of the world she comes from, sweet potato greens are considered a delicacy. They are served at fine restaurants and people gush about their subtle flavors and d...
by M_to_the_G
Wed Mar 04, 2015 10:44 am
 
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 80
Views: 5232

Re: Rich dad, poor dad

There are a few wise lessons on behavior and attitude in his books. One line from a book of his (I believe Rich Dad, Poor Dad ) has stuck with me through the years: "The poor dad says, 'Because of you kids, I cannot be rich.' The rich dad says, 'Because of you kids, I must be rich.'" There...
by M_to_the_G
Wed Mar 04, 2015 10:21 am
 
Forum: Personal Consumer Issues
Topic: Rich dad, poor dad
Replies: 31
Views: 4168

Re: Help- I keep investing my emergency fund in the stock ma

This is a common theme here, and even fairly sophisticated Bogleheads do this. I suspect that people are looking at all of their accounts and seeing that their emergency fund is "sitting idle" when it could be invested, i.e. making money. I personally disagree with that viewpoint, which I ...
by M_to_the_G
Tue Mar 03, 2015 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help- I keep investing my emergency fund in the stock market
Replies: 18
Views: 2437

Re: Nearing 40 and Never Invested

As someone mentioned above, your next step is to start reading in earnest. It is great that you are here and asking the right questions, but without solid fundamental knowledge about market history and the basics of finance, you will do what many "Bogleheads" who have come here to ask for ...
by M_to_the_G
Mon Mar 02, 2015 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nearing 40 and Never Invested
Replies: 55
Views: 5610

Re: Portfolio Advice on Mediocre 401K plan

Vanguard can handle the transfer for you. I suggest having that telephone conversation today. In fact, I might not ever talk to the other guys again; sounds like a waste of time. It looks like your portfolio is basically what your wife inherited, and a few thousand here and there in money you two h...
by M_to_the_G
Mon Mar 02, 2015 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice on Mediocre 401K plan
Replies: 27
Views: 2156

Re: What % of your gross income do you spend on mortgage/ren

11.4% in the Washington, DC metro area (Northern Virginia). The rent is a flat amount and includes all utilities. Internet service is extra, and I've included it in the 11.4%. I will say that I live below the standards of many of my peers in the same age/income bracket, many of whom choose to rent i...
by M_to_the_G
Mon Feb 23, 2015 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 9289

Re: What age do you guys plan to retire?

I've got about 15 or 16 years left. 50 or 51. I should be good to go at that point, with my pension (federal employee), supplemental annuity, and investment income.
by M_to_the_G
Mon Feb 23, 2015 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 9125

Re: The challenges of staying the course...

livesoft wrote:Hey, readers, don't forget that the OP wrote:
Serie1926 wrote:There is high praise for our FA on this site (big part of the reason we selected him), and my wife and I like he and his team a lot.


A FA that receives high praise here chose that mix of funds for the OP's portfolio?
by M_to_the_G
Mon Feb 23, 2015 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 66
Views: 5467

Re: Help with AA and Financial Plan

Greetings from a fellow fed. Some federal employee Bogleheads abstain from the I Fund. It's not a bad fund, especially given the expense ratio (0.025%), but it tracks the MSCI Barra EAFE index, which excludes Canada and the entire developing world. In this way, it is somewhat limited.
by M_to_the_G
Mon Feb 23, 2015 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA and Financial Plan
Replies: 13
Views: 1073

Re: Portfolio Advice on Mediocre 401K plan

Vanguard can handle the transfer for you. I suggest having that telephone conversation today. In fact, I might not ever talk to the other guys again; sounds like a waste of time. It looks like your portfolio is basically what your wife inherited, and a few thousand here and there in money you two ha...
by M_to_the_G
Mon Feb 23, 2015 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice on Mediocre 401K plan
Replies: 27
Views: 2156

Re: The challenges of staying the course...

I still don't understand how people establish these inappropriate "friendships" with advisors. Nope, I don't understand how they establish such strong "trust" based on nothing but what the guy tells them. It's as if they don't want to learn that their advisor might be fleecing th...
by M_to_the_G
Mon Feb 23, 2015 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 66
Views: 5467

Re: Portfolio Review Please

You don't have much debt and appear to have the income to pay it off soon. That should be your primary goal for this year. Put enough in the 401(k) to get the full company match, and then double down on those loans. You should be able to pay it all off (including the credit card debt) within a year ...
by M_to_the_G
Mon Feb 23, 2015 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Please
Replies: 7
Views: 553
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