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Re: Trip to OKC, what attractions to visit

Norman is a nice college town. The Memorial is very striking. I went there one evening near dusk and just walked around--hardly anyone was there. I found it quite moving. If I would go back I would definitely visit this again. I had dinner in Bricktown, and Bricktown was pleasant, but it had a sort ...
by MoonOrb
Wed Jul 23, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Trip to OKC, what attractions to visit
Replies: 24
Views: 822

Re: If you are a winner before fees, why not lower the ER?

You seem to be assuming that funds that consistently have beaten the market in the past will continue to do so in the future. There's no way to know as a fund manager that you'll beat the market in the future. Your question reads to me that there is some assumption that past success will be replicat...
by MoonOrb
Tue Jul 22, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: If you consistently outperform (pre-fees), why not lower ER?
Replies: 35
Views: 1142

Re: Refinance ?

What's the mortgage balance now and approximately what will it be when you refinance (you say it's no-cost, but does that mean that the costs are actually rolled into the new balance making it higher, or will the balance be the same?). If this is actually no-cost, this is a no-brainer. You save $230...
by MoonOrb
Wed Jul 16, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance ?
Replies: 14
Views: 870

Re: A question for the Bogleladies or those who can consult

No, if you ask her, she will say she doesn't want a high end purse. Buy one anyway. Now take her shopping with you so she can choose, but don't let her pull that bogleheaded "it's too expensive." Oh, wrong thread, same principle. If he gets this answer than he's no worse off than if he ha...
by MoonOrb
Tue Jul 15, 2014 1:04 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5526

Re: A question for the Bogleladies or those who can consult

Have you asked her what she wants?

I'd start by asking her what she wants and likes.
by MoonOrb
Tue Jul 15, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 5526

Re: What after-tax income could you live on today?

I think this is sort of interesting but it depends so much on location that what I'd really be interested in are answers that are somehow normalized for costs of living.
by MoonOrb
Fri Jul 11, 2014 7:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 4991

Re: Vacation Home Fractional Ownership

Something to know if that the properties of interest are in a true vacation destination (Summit County, CO), and that my family has a strong interest in using the property, especially during the ski season. While no real estate is "easy" to sell, I would expect any fractional shares to ha...
by MoonOrb
Fri Jul 11, 2014 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vacation Home Fractional Ownership
Replies: 15
Views: 1737

Re: How I look at $ in the real world vs my retirement accou

I think the reason it's so easy to think differently about money in retirement accounts vs. money spent "in the real world" is simply because fluctuations in retirement accounts do not represent money that is gone. They're just fluctuations: we still have the same number of shares that we ...
by MoonOrb
Wed Jul 09, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: How I look at $ in the real world vs my retirement accounts
Replies: 45
Views: 5786

Re: The Millionaire Next Door: Are You One?

Live below our means and our neighbors definitely have no idea, since we don't even know our neighbors. The person to the east of us has refused to answer her door or respond to a note I left, when I gave up on knocking on her door as a way to introduce myself. The people to the west of us are a col...
by MoonOrb
Wed Jul 09, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22352

Re: How many veteran investor have LARGE MAJORITY in three-f

I don't know if I count as seasoned or not. Anyway, I'd put mine into a 3 fund, except that 401k/403b options don't make Total Stock Market widely available so I split the domestic stock portion among S&P 500, mid cap, and small cap indexes. Not to slice and dice and fool around, but just becaus...
by MoonOrb
Tue Jul 08, 2014 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: How many veteran investor have LARGE MAJORITY in three-fund?
Replies: 56
Views: 3822

Re: Buying a Home in a Low-Interest Environment-The Hidden R

Why do you care if the value of your "forever" home dips a decade from now?
by MoonOrb
Tue Jul 08, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home in a Low-Interest Environment-The Hidden Risk
Replies: 18
Views: 1737

Re: Which house should we buy?

Buy the house that you like the most and is in the place where you really want to live. You can afford both. You're going to be living there for many years, so don't make the choice for financial reasons when you can choose between two affordable options.
by MoonOrb
Mon Jul 07, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which house should we buy?
Replies: 11
Views: 1257

Re: investing and debt

I'd put every single extra dollar into paying off the CC debt. Close it out totally. Then invest up to your employer match in your 401k, then put additional money into a Roth, which you can use as a quasi-emergency fund as you can withdraw your contributions penalty-free. I'm not as debt-averse as m...
by MoonOrb
Sat Jul 05, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: investing and debt
Replies: 22
Views: 1428

Re: POLL: Are You Re-Balancing?

I just did, to get myself to 70/30.
by MoonOrb
Fri Jul 04, 2014 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 4957

Re: [Poll] If all active funds have ER= 0.05%, will you buy

I said yes, but only because I'd probably by PIMCO Total Return if it were offered at .05 ER. For everything else I'd stick purely to index funds.
by MoonOrb
Fri Jul 04, 2014 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] If all active funds have ER= 0.05%, will you buy any?
Replies: 55
Views: 2662

Re: One Year Follow Up -- Where have I failed!

There's a link on the wiki that explains how to approximate the Total Stock Market fund with a mix of large cap, mid cap, and small cap funds. You could look toward doing that in the future since your 401k has excellent options for all of these indexes. Also, yes, use your Roth space as an emergency...
by MoonOrb
Thu Jul 03, 2014 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: One Year Follow Up -- Where have I failed!
Replies: 17
Views: 2390

Re: Changed Lawyers - Won't Transfer File

Because you are across the country, and your mother might not be up to this, ask the new firm to send a courier (or one of their paralegals - whatever they normally would do) to retrieve everything as soon as possible. In case they are not familiar with the other firms "difficulties", you...
by MoonOrb
Wed Jul 02, 2014 11:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Changed Lawyers - Won't Transfer File
Replies: 29
Views: 2259

Re: Changed Lawyers - Won't Transfer File

You could ask the new lawyer to send a messenger over to get it, and ask if the new firm will waive the messenger expense. They might do this. Also, some firms play a flat rate to messenger services and the trip might not cost anything. If you don't ask for the expense waiver, you'll be billed if th...
by MoonOrb
Wed Jul 02, 2014 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Changed Lawyers - Won't Transfer File
Replies: 29
Views: 2259

Re: Please help us decide where to live

Crime eliminating Asheville and Medford is kind of weird. Maybe reconsider the significance of crime as a factor? Your recent comment makes me feel sad. What if you were to turn this on its head a little bit and ask these questions: "Where would be excited about living?" and "Are ther...
by MoonOrb
Sun Jun 29, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7812

Re: Please help us decide where to live

If you want a reasonable amount of sunshine, you might as well cross western Washington and western Oregon off of your list. Sorry! I live in Seattle and love Seattle, but there is not a reasonable amount of sunshine here unless you have a very low threshold for "reasonable" and the fact t...
by MoonOrb
Fri Jun 27, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7812

Re: Personal Development Books

Dale Carnegie's "How to Win Friends and Influence People" had an enormous effect on me, as did Stephen Covey's "The 7 Habits of Highly Effective People." I think about concepts laid out in those two books at least weekly. This one will seem weird, but "Small Stakes Hold 'em,...
by MoonOrb
Tue Jun 24, 2014 7:23 pm
 
Forum: Personal Consumer Issues
Topic: Personal Development Books
Replies: 39
Views: 2782

Re: How I win at craps

barnaclebob wrote:Please close these gambling threads down, this isn't a gambling forum and these systems claim to violate the laws of probability. Its no different than someone coming on here and trying to sell us a perpetual motion machine.


Hey, if I wanted to talk about gambling, I'd go watch Jim Cramer.
by MoonOrb
Tue Jun 24, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: How I have won at craps
Replies: 20
Views: 2040

Re: Help devising winning roulette system

The concept people have been explaining in this thread has a well-known name, it's the Gambler's Fallacy, and it accounts for why the house wins at roulette and players lose: http://en.wikipedia.org/wiki/Gambler's_fallacy If your system does work, it will be a result of good luck. Which, isn't a rar...
by MoonOrb
Mon Jun 23, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3097

Re: 3 days in Seattle

It depends what you like. August is an amazing time. Here's some stuff to do: neighborhood farmers markets: http://seattlefarmersmarkets.org/ and http://ballardfarmersmarket.wordpress.com/ Walk on the ferry to Bainbridge Island; hang out in Winslow, then take it back: http://www.bainbridgeisland.com...
by MoonOrb
Mon Jun 23, 2014 1:06 am
 
Forum: Personal Consumer Issues
Topic: 3 days in Seattle
Replies: 10
Views: 807

Re: S&P 500 increased... my daily balance decreased?

It's his first post. Give him a break. Wait for someone with 1000 posts who doesn't know about dividends, then pile on. Ok. Break given. [OT comment removed by admin LadyGeek] I didn't know about it either. I'm not saying I'm the sharpest knife in the drawer or anything, but this is a way humans le...
by MoonOrb
Fri Jun 20, 2014 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500 increased... my daily balance decreased?
Replies: 28
Views: 2563

Re: Forums like Bogleheads, for Life ?? (other aspects)

Does it have local chapters like BH? Kind of. One of the MetaFilter subsites is called "IRL" for "in real life," and any MetaFilter member can post to that section to propose a meetup. Members can elect to be automatically notified of proposed meetups in their geographic area. I...
by MoonOrb
Fri Jun 20, 2014 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 4293

Re: Forums like Bogleheads, for Life ?? (other aspects)

Dear MoonOrb, thanks so much!! I guess one last thing about MetaFilter: Even though I'm new at BH, I sense that most folks here are mature, helpful, wise, decent folks...and that I can trust their advice. Would that be true (overall) for MF as well? Thanks. Interesting question. BH has a much diffe...
by MoonOrb
Fri Jun 20, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 4293

Re: Forums like Bogleheads, for Life ?? (other aspects)

$5 isn't bad, I didn't realize that. Do you have experience with MeFi? Could you give me a better idea? The good news is that you can access all of the content for free; $5 just gets you a username and the ability to post. So if you want to check it out, you can hang lurk to your heart's content wi...
by MoonOrb
Fri Jun 20, 2014 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 4293

Re: Forums like Bogleheads, for Life ?? (other aspects)

MetaFilter is $5 to join, which is ingenious. It's just a high enough bar to keep away most everyone who wants to troll or be an idiot. Also, the moderation there is also excellent. It's not family friendly, so it's not for everyone. But it's filled to the brim with people crackling with wit and ins...
by MoonOrb
Fri Jun 20, 2014 12:53 am
 
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 4293

Re: Forums like Bogleheads, for Life ?? (other aspects)

Best overall community I've found is www.metafilter.com. Best fitness community is www.johnstonefitness.com. Twoplustwo was great for poker a while ago.
by MoonOrb
Thu Jun 19, 2014 2:40 am
 
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 4293

Re: Seattle Restaurants

We just ate at Tamarind Tree in the International District and it was some of the best Vietnamese food we've ever had. Wide variety of foods including some hard-to-find traditional Vietnamese dishes, much nicer than usual atmosphere, and very reasonable prices. Probably want reservations, may not b...
by MoonOrb
Tue Jun 17, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: Seattle Restaurants
Replies: 17
Views: 1030

Re: Help me evaluate two different job offers

I'd hate an hour commute for a job that doesn't appear to offer as much in the way of future opportunity. It sounds like if you go with company A you can either seek out an opportunity within company A that suits you or you can use it as a platform to find another job you'll really like somewhere el...
by MoonOrb
Wed Jun 11, 2014 1:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Help me evaluate two different job offers
Replies: 10
Views: 990

Re: Bernstein: A Decade of Super-Low Returns

I'm OK with my portfolio having a real yearly return of 2.5% to 3% after inflation. Actually, it is what I have been expecting. I think that it should motivate people to save more and spend a bit less. If we get better returns then we can adjust our plans accordingly along the way. This is pretty m...
by MoonOrb
Mon Jun 09, 2014 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17154

Re: What are you doing with the market at an all time high?

I'm following my plan. Over our lifetimes, there will be many, many, many times the market is at an all time high. if it's not climbing to all time highs, then we're in big trouble over the long term. So when it's at an all time high, there's nothing to worry about. Keep on keeping on. Rebalance whe...
by MoonOrb
Sun Jun 08, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you doing with the market at an all time high?
Replies: 95
Views: 6506

Re: Two Comma Club!

Great news!

(What a tremendous example your grandparents set, too--wow!).

Keep up that great work.
by MoonOrb
Tue Jun 03, 2014 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Two Comma Club!
Replies: 55
Views: 5681

Re: Half Milestone Hit!

Don't sell yourself short it is a big deal, so good for you! Congrats! Curious is this a net worth calc or is it your retirement nest egg? Wondering because I'm just starting to play with my numbers and haven't counted my pension in net worth because I'm not retired or planning to take it early. Al...
by MoonOrb
Tue Jun 03, 2014 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Half Milestone Hit!
Replies: 44
Views: 2564

Re: Heading to Sonoma next week, recommendations please

For a quick lunch in Healdsburg at way less than the cost of the popular places try the family-owned Cousteaux French Bakery.
by MoonOrb
Mon Jun 02, 2014 12:42 am
 
Forum: Personal Consumer Issues
Topic: Heading to Sonoma next week, recommendations please
Replies: 15
Views: 609

Re: Ideas for dining inexpensively

Pho at your local Vietnamese. This, and also perhaps Ethiopian (don't know if they're as prevalent in the Bay Area as they are in Seattle). The Ethiopian place we go to has a combination plate that, with tax and tip is $15 even. And totally enough to feed us both. Seconding the idea of splitting a ...
by MoonOrb
Mon May 26, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for dining inexpensively
Replies: 79
Views: 4452

Re: How much house can I afford?

Can the side business be counted on to consistently produce the $55k? All you said is that it's "stable," and that could mean a lot of things. Someone with an income of $185k and small monthly debt payments can take out a pretty big loan, so to answer your question you'll really just need ...
by MoonOrb
Sun May 25, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford?
Replies: 16
Views: 1513

Re: MEMORIAL DAY, 2014

Remember, Memorial Day is for those that are gone - either from battle or old age. Veterans Day (November 11th) is for those that are still alive and have served (like me). - Ron It's also a good opportunity to recognize our veterans (not that every day isn't a good day for this). Honoring and reme...
by MoonOrb
Sun May 25, 2014 4:06 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY, 2014
Replies: 17
Views: 1675

Re: How much house should I buy? (young person with many ass

OP posted this nine minutes after joining the board yesterday and hasn't appeared since. Anyone else beginning to wonder if we're being scammed? Gill Maybe he's just a little annoyed? Or maybe you're right and someone's having fun with us. OP, you can afford a house. Buy a house if you want a house...
by MoonOrb
Sat May 24, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much house should I buy? (young person with many assets)
Replies: 71
Views: 5488

Re: TV show recommendations?

Okay! I've been watching a lot of TV shows on Netflix/Amazon/DVD over the last several years, and here's a list, in rough order, of shows (all dramas, no comedies or reality TV) that I think are engaging and highly worth watching (depending on your taste of course :) ) Shows at the top remain among ...
by MoonOrb
Sat May 24, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 119797

Re: Pondering retirement

Your husband is 75 and if it is a close call I'd err on the side of retiring now if it's important for the two of you to spend time together.
by MoonOrb
Mon May 19, 2014 10:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pondering retirement
Replies: 24
Views: 2619

Re: Paying for a date

Quite heterosexually oriented options. It's a fair comment. Which options would you suggest adding to cover all cases of homosexual couples? Victoria Actually, this would be really insightful as it would tend to negate the role of gender expectations and all of the socialization that goes along wit...
by MoonOrb
Mon May 19, 2014 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 3184

Re: UCLA vs USC Decision [Which college to attend]

For undergrad the schools are the functional equivalents of one another. One is half the price. Absent any special connection or opportunity you have at one school or another, choose the much cheaper school.
by MoonOrb
Sat May 17, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: UCLA vs USC Decision [Which college to attend]
Replies: 62
Views: 3607

Re: Should I buy a fun car?

Go for it! Nobody ever said on their deathbed " I wish I had spent more time at the office and not bought a sports car". To be a real Boglehead; buy a Mazda Miata; fun,low cost and dependable so you don't need a mechanic, just like a Vanguard Index Fund: fun, low cost, dependable so you d...
by MoonOrb
Thu May 08, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a fun car?
Replies: 59
Views: 3116

Re: Seattle and Portland, OR restaurant recommendations

For farm to table type stuff in Seattle, try either Bar Sajor (Pioneer Square) or Sitka & Spruce (Capitol Hill-ish). If you're down near Pike Place Market, I prefer The Steelhead Diner to most of the other restaurants in the area. Seattle has (among other things) very good Thai and Ethiopian foo...
by MoonOrb
Thu May 01, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Seattle and Portland, OR restaurant recommendations
Replies: 31
Views: 1293

Re: Going all into Emerging Markets

I think threads like this should be locked from the jump. Don't ask provocative "I have a friend who..." questions here, especially when you have history of starting provocative threads yourself. Talk to your friend about the site, encourage your friend to become part of the community, and...
by MoonOrb
Fri Feb 07, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Going all into Emerging Markets
Replies: 63
Views: 6100

Re: Joined the "Two Comma Club" Today

Congrats and stay the course!
by MoonOrb
Sat Feb 01, 2014 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: Joined the "Two Comma Club" Today
Replies: 47
Views: 4610

Re: Need help(!!) with personal finances, 27 y/o starting ou

The advantage of money in a Roth now instead of paying down loans is that once this tax year's Roth space is gone, it's gone forever. That's one of the reasons I would prefer to shovel money into tax advantaged accounts instead of paying down loans. You also get the benefit, especially if you do aut...
by MoonOrb
Thu Jan 30, 2014 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help(!!) with personal finances, 27 y/o starting out
Replies: 23
Views: 1686
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