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Re: "Retiring in a Low-Return Environment"

The tables suggest for most folks around here the SWR would be very close to 2%, which sounds kind of nutty to me.
by MoonOrb
Thu Jan 29, 2015 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: "Retiring in a Low-Return Environment"
Replies: 68
Views: 6191

Re: Your Minimum Annual Expenses

Think we could do it for ~$43k: Housing, including mortgage, taxes, insurance, estimated maintenance: $27,000 Gas, insurance, registration, and estimated maintenance for one car: $2,200 Internet: $360 Two non-smartphone cell phones: $1100 Food: estimated $7,200 One bus pass: $1000 Term life insuranc...
by MoonOrb
Thu Jan 29, 2015 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Minimum Annual Expenses
Replies: 37
Views: 3516

Re: Iceland

One thing you may want to consider is that in September a lot of attractions might be closed--this happened to a colleague of mine who went to Iceland in September. I went in May, and stayed mainly in Reykjavik. You probably will want to see the Golden Circle stuff (Gullvoss, Geysir, etc), and there...
by MoonOrb
Tue Jan 27, 2015 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Iceland
Replies: 15
Views: 1313

Re: Women's Face Moisturizer/Lotion

My wife mostly uses Oil of Olay with SPF 15 and Cetaphil, but her fancier products (which she loves) are by Origin.
by MoonOrb
Mon Jan 26, 2015 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 51
Views: 3477

Re: What Movie Have You Recently Watched?

Watched Boyhood last night and was spellbound. Really an incredible piece of moviemaking.
by MoonOrb
Mon Jan 26, 2015 12:09 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 477
Views: 56547

Re: Hawaii Visit (Maui). Need advice

A drive that is more nuts than the drive to Hana but not nearly as far away is to drive to Lahaina from Kahului via Rte 340, instead of by going the way everyone else does. Rte 340 hugs--and I mean hugs--the northwest side of the island and it's a whiteknuckle adventure not likely to be forgotten. I...
by MoonOrb
Sat Jan 24, 2015 11:54 pm
 
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2432

Re: Downsize, Reduce, Simplify.

I've done two things like this! Both times it's made my life better. Ten years ago my wife and I quit our jobs, sold our house and cars and a bunch of other stuff and moved abroad. We were forced to get rid of a lot of things, and when we moved, we moved into a place that was about half the size of ...
by MoonOrb
Fri Jan 23, 2015 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Downsize, Reduce, Simplify.
Replies: 65
Views: 7207

Re: Poll: Principles of Boglehead Philosopy

It was hard for me to choose 3 instead of 4. I view "Live Below Your Means" as essential, and I also chose "diversify" and "stay the course," but I wanted to choose "choose low cost investments," too. If I had to prioritize them I would prioritize "choose...
by MoonOrb
Fri Jan 23, 2015 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 66
Views: 3535

Re: Establishing Priorities - Work vs Life Balance

That depends on your definition of a "comfortable life". I see on top of student debt and a mortgage you have 2 car loans and seem to be going into more debt because of your kids. If you learn to appreciate things that do not cost $, you will need less to live comfortably. Personally I va...
by MoonOrb
Thu Jan 22, 2015 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Establishing Priorities - Work vs Life Balance
Replies: 20
Views: 1843

Re: good time to invest in a Reit Index fund?

I bought into a REIT fund in December because my plan called for me to include REITs as part of my equity allocation beginning in 2015, adding gradually over the next few years until they reach 5% of my portfolio. I don't know if it was otherwise a good time or not, I just went ahead and did it beca...
by MoonOrb
Wed Jan 21, 2015 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: good time to invest in a Reit Index fund?
Replies: 40
Views: 4475

Re: What age did you hit $100,000?

acejacksingh wrote:


Looking for ideas to get there the following year?

...

I'm already maxing out retirement accounts (Trad 401k, and Roth IRA). I have a set budget and I am living below my means. No debt.

Thanks,
AceJ


To quote Montell Jordan, This Is How You Do It.
by MoonOrb
Wed Jan 21, 2015 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 5838

Re: Learning a NEW language - Foreign Service Inst

Possibly also relevant here is a book I just finished called "Fluent Forever" by Gabriel Tyner that provides granular, precise nuts and bolts instruction regarding the process of learning and retaining foreign language skills, and walks you step by step through creating your own self-study...
by MoonOrb
Fri Jan 16, 2015 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Learning a NEW language - Foreign Service Inst
Replies: 56
Views: 4500

Re: Alternatives to TurboTax

I've been using TaxSlayer for about a dozen or more years now and it's always worked fine for me. I don't file a state return.
by MoonOrb
Fri Jan 16, 2015 11:29 am
 
Forum: Personal Consumer Issues
Topic: Alternatives to TurboTax
Replies: 26
Views: 2729

Re: Is our taxable investment strategy logical or lame?

Our primary motivation has been financial security, and it wasn’t clear to us whether that would come from investing or paying down the mortgage. We went through Dave Ramsey’s Financial Peace University class when we were first engaged, and we bought into his idea of baby steps and preferring a 15-...
by MoonOrb
Thu Jan 15, 2015 10:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is our taxable investment strategy logical or lame?
Replies: 12
Views: 1545

Re: Is our taxable investment strategy logical or lame?

I think your approach is reasonable. I had a few related thoughts for you, though. It feels a little like you're in a kind of no man's land both with your decision to place money into the balanced fund and your decision to pay down your mortgage. Regarding paying down your mortgage: What you are doi...
by MoonOrb
Thu Jan 15, 2015 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is our taxable investment strategy logical or lame?
Replies: 12
Views: 1545

Re: Poll - How much is enough / what's your number?

My notional number is a moving target but I expect it to be around $5M if I want to retire before age 60. As I get older the number gets lower, which is sort of counterintuitive but I guess also makes sense because I'll have fewer years of income to replace and greater income from a pension and soci...
by MoonOrb
Mon Jan 12, 2015 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 7602

Re: Why do you like to travel and AA question?

I wouldn't enjoy traveling either if I slept in a minivan with four other people. I like to travel because it's fascinating to see things I've never seen before, and it's also fascinating to see things that I've only read about or seen in movies or on the television screen. I like to travel because ...
by MoonOrb
Mon Jan 12, 2015 7:48 pm
 
Forum: Personal Consumer Issues
Topic: Why do you like to travel and AA question?
Replies: 16
Views: 1130

Re: Can I retire early? 38 y/o

OP , skimmed your initial post & didn't read many of the responses , we have roughly the same monthly expenses , less expected future lifetime , much less house value , withdrawal rate < 4% , yaada, yaada, yaada - with the way the markets have performed over the last few years we feel very comf...
by MoonOrb
Sat Jan 10, 2015 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire early? 38 y/o
Replies: 89
Views: 10531

Re: What Movie Have You Recently Watched?

Saw Selma tonight. Thought it was good, but was also a little underwhelmed, perhaps from having my sights set too high.

Oh man Out of the Past is GREAT!
by MoonOrb
Sat Jan 10, 2015 2:09 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 477
Views: 56547

Re: Increase Investing or Pay Down Mortgage?

You're doing well. Your investment priorities: 1. 401k up to company match 2. Roth IRA 3. As much as you can cram into your 401k 4. Choose between additional taxable investing and paying down your mortgage, either choice is okay here, but I would just invest more. When you haven't maxed out your tax...
by MoonOrb
Fri Jan 09, 2015 12:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Increase Investing or Pay Down Mortgage?
Replies: 16
Views: 2025

Re: SlingTV

hoops777 wrote:You are right Moonorb.I was only trying to make the point that tv is a great value price wise vs the alternatives.What one enjoys is a personal preference with no right or wrong. :sharebeer


Awesome!

...so can I come over and watch the game this Monday? I don't have cable.

:sharebeer
by MoonOrb
Fri Jan 09, 2015 12:03 am
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3987

Re: SlingTV

I understand your points.My point is tv is very cheap compared to the cost of going out and attending a game,play,concert,movie or a paid lecture.When you factor in the unbelievable amount of entertainment,sports,information and educational programs and that they can be recorded and watched at your...
by MoonOrb
Thu Jan 08, 2015 12:10 pm
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3987

Re: SlingTV

I'm going to get this for September through March just for ESPN and ESPN2 so I can watch a lot more NCAA sports than I currently am able to watch over the air. I'm really psyched about this!
by MoonOrb
Thu Jan 08, 2015 1:20 am
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3987

Re: What do you drive, and why?

We drive a 2008 Mazda 3 purchased new in 2007 that has approximately 75,000 miles on it. It's reliable, spacious enough for the two of us (relatively small adults with no children) and represented an excellent value for the money when compared to its competitors. Our previous car which we owned in a...
by MoonOrb
Mon Jan 05, 2015 9:58 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 205
Views: 17374

Re: Seattle Chapter?

Whew, had to check that wasn't the same date as the NFC Championship game.
by MoonOrb
Mon Jan 05, 2015 9:51 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 73
Views: 8112

Re: Documentaries to recommend?

Just watched Werner Herzog's "Happy People: A Year in the Taiga" which is streaming on Netflix this year. Really terrific, intimate look at the craft of fur trapping in Siberia and the lives of the trappers. Also just went to the theater the week before last to watch a 20th Anniversary sho...
by MoonOrb
Sun Jan 04, 2015 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 109
Views: 12695

Re: What Movie Have You Recently Watched?

Recent notable films-- Interstellar : Entertaining, engaging, and filled with quality acting, credible and exciting special effects, and nice cinematography. But the more I think about it, the less sense it made, and what started out as the promise of something amazing sort of petered out into a spr...
by MoonOrb
Fri Jan 02, 2015 12:19 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 477
Views: 56547

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2213.84
by MoonOrb
Thu Jan 01, 2015 5:32 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19756

Re: Feeling very fortunate today!

I find it "interesting" that StarbuxInvestor was able to get his username changed to TheTimeLord, since the former name didn't contain any personal info. I didn't make the connection until reading this resurrected thread... The guy's got a TARDIS, man. Pretty much anything is possible whe...
by MoonOrb
Sun Dec 21, 2014 1:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 73
Views: 11863

Re: Poll: Dividend income to match annual salary?

I'm having trouble even imagining how someone could accomplish this without some kind of windfall , like the sale of a business or an inheiritance that gives you an enormous jumpstart on monies invested, coupled with a job that isn't necessarily high-earning (ie, sell your business and go off to wo...
by MoonOrb
Thu Dec 11, 2014 9:33 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Dividend income to match annual salary?
Replies: 39
Views: 3823

Re: Poll: Dividend income to match annual salary?

I'm having trouble even imagining how someone could accomplish this without some kind of windfall, like the sale of a business or an inheiritance that gives you an enormous jumpstart on monies invested, coupled with a job that isn't necessarily high-earning (ie, sell your business and go off to work...
by MoonOrb
Wed Dec 10, 2014 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Dividend income to match annual salary?
Replies: 39
Views: 3823

Re: should I buy in Record High? S&P 500

Don't panic or rush, nothing bad will happen to you if you begin to do your homework for a month or two. Start with the "getting started" section on the wiki. It's great. Read that, think about it, pose questions on the forum if you don't understand stuff. I also read The Little Book of Co...
by MoonOrb
Fri Dec 05, 2014 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: should I buy in Record High? S&P 500
Replies: 35
Views: 2778

Re: should I buy in Record High? S&P 500

You're going to leave the money in there for years and years. Who cares if this week is a market high? The market will hit dozens or hundreds of new highs before you take it out in a few decades. Don't worry about this. Just invest.
by MoonOrb
Fri Dec 05, 2014 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: should I buy in Record High? S&P 500
Replies: 35
Views: 2778

Re: Dealing with unauthorized (lawyer) bill

Even with the update I find this really confusing. That being said: 1. If you are looking for a script to use, I suggest something like: "Dear Attorney: I have attached to this letter a copy of a bill from your office which was sent to me erroneously. As discussed on [date], our initial consult...
by MoonOrb
Fri Dec 05, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with unauthorized (lawyer) bill
Replies: 61
Views: 9720

Re: Took the Plunge into the Boglehead Allocation

Got it, thanks. For me there's a behavioral issue regarding how soon one purchases bonds. I think it's easy to say now "I'll purchase bonds someday," but how do you know when the time will be right? Because age 40 might be a terrible time to begin bond purchases if it resembles 2008/09. An...
by MoonOrb
Wed Dec 03, 2014 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Took the Plunge into the Boglehead Allocation
Replies: 38
Views: 2908

Re: Took the Plunge into the Boglehead Allocation

Volatility is just standard deviation. With a long time horizon, it doesn't matter (ceteris paribus). But doesn't it matter because, while your time horizon is long, it will also end at some point? And volatility will matter because at some point you're going to withdraw the money you've invested, ...
by MoonOrb
Wed Dec 03, 2014 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Took the Plunge into the Boglehead Allocation
Replies: 38
Views: 2908

Re: Took the Plunge into the Boglehead Allocation

Do you plan to own bonds at any point in your investing lifetime? If you do, how will you know the right time to begin changing your allocation? I get the idea that a 100% S&P 500 portfolio will outperform a portfolio made up of S&P 500/some % of bonds, but would you be happy in 40 years if ...
by MoonOrb
Tue Dec 02, 2014 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Took the Plunge into the Boglehead Allocation
Replies: 38
Views: 2908

Re: Documentaries to recommend?

I've liked the same documentaries you've liked, and will add a +1 to the chorus for Jiro Dreams of Sushi, Man on Wire, the Up series, and Food, Inc. I also enthusiastically recommend the Ken Burns series of Jazz, Baseball, The Civil War, and The War (WWII). A few that I don't think I've yet seen rep...
by MoonOrb
Mon Dec 01, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 109
Views: 12695

Re: Kindle question - online access books

4) Some public libraries let you "borrow" eBooks. Many of them do so via a service called Overdrive. Many but not all of the books available that way are actually Kindle books; you download them, actually go onto the Amazon website and "buy" them "for free," and then t...
by MoonOrb
Tue Nov 25, 2014 7:53 pm
 
Forum: Personal Consumer Issues
Topic: Kindle question - online access books
Replies: 17
Views: 1467

Re: Favorite nonfiction books

Books off of the top of my head that I've enjoyed quite a bit: About sports: Friday Night Lights, by H.G. Bissinger; The Summer of '41, and October, 1964, both by David Halberstam; Moneyball, by Michael Lewis. About history: Latitude, by Dava Sobel; Chickenhawk, by Robert Mason; The Big Burn, and Th...
by MoonOrb
Tue Nov 25, 2014 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 10369

Re: Will stocks beat bonds over next 30 years?

PJW, the part that I didn't follow was where you said that computers enabled fewer people to make more mistakes. Why not more people, instead of fewer? I understand. Please allow me to explain. A long time ago, if the entire population of the globe, organized for the purpose and working efficiently...
by MoonOrb
Sat Nov 22, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: Will stocks beat bonds over next 30 years?
Replies: 65
Views: 6156

Re: Will stocks beat bonds over next 30 years?

PJW, the part that I didn't follow was where you said that computers enabled fewer people to make more mistakes. Why not more people, instead of fewer?
by MoonOrb
Fri Nov 21, 2014 11:29 pm
 
Forum: Investing - Theory, News & General
Topic: Will stocks beat bonds over next 30 years?
Replies: 65
Views: 6156

Re: How much is saved by taking mass transit to work?

Many people who take mass transit do so in areas of high population density where parking could run $200-$1000/mo, or even more.
by MoonOrb
Wed Nov 19, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 5088

Re: Real estate as my "million dollar idea"

On leverage -- At the price level you're talking about I'd just pay cash too, at least for my first couple deals. You can get a mortgage on a $25K property, but closing costs will be crazy-high compared to the money you're borrowing. It won't be worth it unless you hold the property a very long tim...
by MoonOrb
Fri Nov 14, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate as my "million dollar idea"
Replies: 78
Views: 7940

Re: Real estate as my "million dollar idea"

Paying cash for $30k houses doesn't sound that risky to me, but it just is personally a lot more time and effort than I want to spend on investing. I'd rather invest all of that money in the market and not have to worry about replacing roofs or tenants who don't pay or neighbors complaining about my...
by MoonOrb
Wed Nov 12, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate as my "million dollar idea"
Replies: 78
Views: 7940

Re: Puerto Rico

I lived in Puerto Rico for 2 months, but this was more than a decade ago, however, I'd say if you can spend time in the Fajardo area instead of the San Juan area you'll probably like it. Fajardo is the jumping off point for Vieques, which has some of the nicest beaches I've ever seen (although at th...
by MoonOrb
Wed Nov 12, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: Puerto Rico
Replies: 21
Views: 2742

Re: War on Debt

Regarding the cable and cell phone one approach you might be able to take is just to try out life without them for, say 3 months, and see how it goes. We did this when we got rid of cable, basically. I thought, what the hell, I'll cancel it and if I still want it again in a few months I'll sign up f...
by MoonOrb
Fri Nov 07, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 32317

Re: Cash - Throw it on the table!

We keep about 4-6 months of expenses in cash, or about $30k. If I notice we're a few thousand dollars over this I'll usually make a lump sum deposit. I don't worry about it much.
by MoonOrb
Wed Nov 05, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 51
Views: 3922

Re: What Movie Have You Recently Watched?

"Birdman." Went completely over my head. Seemed like it had a lot to say that could be related to by people familiar with Hollywood, Broadway, and/or those into the acting/writing scene. Interesting movie, one of those that blurs the lines between reality and fiction, and did some fancy fi...
by MoonOrb
Mon Nov 03, 2014 7:26 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 477
Views: 56547

Re: A Little Common Core Math problem

I would have solved it the way your daughter solved it. Your daughter sounds plenty smart, and this intuitive thinking will help her in lots of ways, and she'll also be smart enough to learn and apply algebraic concepts to solve things like this when it's time to. She'll probably figure out easily e...
by MoonOrb
Thu Oct 30, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 3247
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