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by MoonOrb
Tue Apr 28, 2015 12:35 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 834
Views: 116758

Re: What Movie Have You Recently Watched?

Ex Machina on friday in the theaters - great movie ! In a similar genre, Automata at home yesterday on Blu-ray. Apparently this movie never made it to theaters - a shame. I liked Automata and thought it was a good companion piece to Ex Machina. Not nearly as good of course but thematically well-mat...
by MoonOrb
Sun Apr 26, 2015 12:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 834
Views: 116758

Re: What Movie Have You Recently Watched?

Child 44. I had read and enjoyed the novel and the movie was just okay. Entertaining enough but the plot seemed kind of messy and confusing, like the movie tried to include too much of the book in it and would have been better off telling a simpler story. I'm beginning to really like Tom Hardy as an...
by MoonOrb
Tue Apr 21, 2015 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Wife would like employment advice from the Bogleheads
Replies: 31
Views: 3244

Re: Wife would like employment advice from the Bogleheads

She should flip a coin. If she is hoping it lands one way or the other, she'll know the answer. All things being equal, the VA job is better. But things are never equal, and the most important thing, the one that we have no idea about and only your wife knows the answer to is: how is she treated at ...
by MoonOrb
Tue Apr 21, 2015 9:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 834
Views: 116758

Re: What Movie Have You Recently Watched?

Have those criticizing the Gone Girl movie read the Gone Girl book? I read the book when it first came out. I didn't think it was as good as her first two books. More than that, I was kind of surprised to hear that they were going to make a movie out of the book, since I couldn't see how the book, ...
by MoonOrb
Mon Apr 20, 2015 8:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 834
Views: 116758

Re: What Movie Have You Recently Watched?

I was intrigued for about 20 minutes and then felt it went on interminably and it was a mishmash of insider Hollywood/Broadway stuff that some normal jerk like me wouldn't (and didn't, as it turns out) appreciate. The fancy camera work was a great gimmick for a while and I think I would have loved t...
by MoonOrb
Sun Apr 19, 2015 5:06 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 834
Views: 116758

Re: What Movie Have You Recently Watched?

I may be being unfair, but I am skeptical about the scene in which they break the Enigma code and discover that the Germans are about to attack a ship that a team member's brother is stationed on. That kind of gets to the heart of one of the things that made it an enjoyable, but just okay, movie fo...
by MoonOrb
Sat Apr 18, 2015 10:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 834
Views: 116758

Re: What Movie Have You Recently Watched?

Ex Machina.

Wow! Terrific. Imagine I'll see it again. Isaac Oscar is fantastic. Fun companion movies to this might include things (in order from most to least obvious) like Blade Runner, Her, Automata, The Terminator, Solaris, and Lars and the Real Girl.
by MoonOrb
Thu Apr 16, 2015 12:30 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 351
Views: 149604

Re: TV show recommendations?

On other series-related topics, I just watched season one of "Turn," the AMC Revolutionary War spy drama, and it was pretty meh. It wasn't terrible but it wasn't that terrific either and I think it suffered from trying to incorporate too many actual historical figures (Robert Rogers, Capt ...
by MoonOrb
Thu Apr 16, 2015 12:25 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 351
Views: 149604

Re: TV show recommendations?

I bingewatched the first two seasons and part of a third and quickly tired of what I can only describe as excessive Sorkin-ism. But I will say this for the West Wing: if you can survive the Sorkin-ism and enjoy it, you will LOVE it, because it has many really great elements. And if you can't, you'll...
by MoonOrb
Sun Apr 12, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 834
Views: 116758

Re: What Movie Have You Recently Watched?

Redbox selections from yesterday, one interesting, one entirely forgettable: Dear White People: This movie wasn't perfect but I'll be thinking about it for a while. I thought it succeeded in highlighting some of the complexities of race issues for even those people who are by many measures quite adv...
by MoonOrb
Sat Apr 11, 2015 8:53 pm
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn: Prepay your mortgage
Replies: 31
Views: 3809

Re: Jane Bryant Quinn: Prepay your mortgage

I think that probably overstates the value of the mortgage interest deduction. Yes, you can deduct it, but you already get a deduction anyway when you take the standard deduction, so the actual value of the mortgage interest deduction is the marginal difference between what you could deduct if you c...
by MoonOrb
Sat Apr 11, 2015 7:14 pm
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn: Prepay your mortgage
Replies: 31
Views: 3809

Re: Jane Bryant Quinn: Prepay your mortgage

The article doesn't really address the "why" someone should do this and focuses a lot more on the "how," and just sort of presumes that paying it off is the obvious best choice. The assumption that it looks like underlies the article is that the target audience does not have a l...
by MoonOrb
Sat Apr 11, 2015 4:06 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 834
Views: 116758

Re: What Movie Have You Recently Watched?

Man, my tastes are out of step with the majority here! :D Recent cinema selections: Kingsman (hilarious! Samuel L Jackson has never been funnier and Colin Firth was super enjoyable in his role too) and What We Do In the Shadows. What We Do In the Shadows was a riot, and I could not stop giggling the...
by MoonOrb
Sat Apr 11, 2015 3:36 pm
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn: Prepay your mortgage
Replies: 31
Views: 3809

Re: Jane Bryant Quinn: Prepay your mortgage

That raises a question for me, something I don't understand about HELOCs. What would happen in the event of some kind of financial catastrophe, the kind that would necessitate you having the need to draw on the HELOC? Is the lender compelled to offer it to no matter what? Are there circumstances whe...
by MoonOrb
Sat Apr 11, 2015 1:53 pm
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn: Prepay your mortgage
Replies: 31
Views: 3809

Re: Jane Bryant Quinn: Prepay your mortgage

The article doesn't really address the "why" someone should do this and focuses a lot more on the "how," and just sort of presumes that paying it off is the obvious best choice. The assumption that it looks like underlies the article is that the target audience does not have a lo...
by MoonOrb
Sat Apr 04, 2015 11:56 pm
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 257
Views: 23635

Re: Do you think Ric Edelman is correct, never pay dow mortg

I think there may be some legitimacy to the dollars and cents nature of the strategy. But it is based on presumptions that people will invest the money if it isn't going to the mortgage. Most won't and the lack of discipline would put them in a worse situation. There is a lot to be said for peace o...
by MoonOrb
Sat Mar 28, 2015 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Excess Cash - Play Monopoly or Repay Debt?
Replies: 67
Views: 5686

Re: Excess Cash - Play Monopoly or Repay Debt?

It's interesting in this thread to see the strong bias toward debt aversion and borrowing from family. Those things strike me as really prevalent views on this site, so it doesn't surprise me to see them emerge this way in a thread where you're not following a typically-BH investing path. Regarding ...
by MoonOrb
Sat Mar 28, 2015 8:04 pm
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 8402

Re: Sued and won for drycleaner losing suit, suit now found.

It's a choice of accepting the judgement or being taken to the cleaners. (Sorry, couldn't wait any longer. You guys are slow. :) ) Just saw this thread. Too late to alter your course now, OP. Collect payment! Your final decision might be hanging by a thread, but don't let this be that thread. Quit ...
by MoonOrb
Fri Mar 27, 2015 10:23 pm
Forum: Personal Consumer Issues
Topic: Boglehead Concert Goers?
Replies: 64
Views: 3671

Re: Boglehead Concert Goers?

We go to a lot of shows and just bite the bullet and pay up if it's an act we want to see. I don't like the ticket prices either, but there's not much I can do about it. We do prioritize seeing acts at smaller venues whenever it's possible, but some acts you just can't. Wherever they play is where t...
by MoonOrb
Fri Mar 27, 2015 9:42 pm
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 8402

Re: Sued and won for drycleaner losing suit, suit now found.

You might want to consider picking up the suit because winning a judgment and collecting a judgment are two different things entirely. So, let's say you refuse to pick up the suit and content yourself with the judgment. Is the dry cleaner going to pay? Or are they going to think to themselves, "...
by MoonOrb
Mon Mar 23, 2015 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Excess Cash - Play Monopoly or Repay Debt?
Replies: 67
Views: 5686

Re: Excess Cash - Play Monopoly or Repay Debt?

I actually like Option 1. I think there's a lot to be said for your husband having a real sense of ownership and shared purpose in the rental properties that make up such a significant part of your portfolio. I also don't think the risk posed by your debt is that great as you guys have an apparently...
by MoonOrb
Sat Feb 21, 2015 8:49 pm
Forum: Personal Consumer Issues
Topic: Going to Austin, TX in March. What should we be doing?
Replies: 24
Views: 1532

Re: Going to Austin, TX in March. What should we be doing?

South Congress Street has cool art galleries, shops, and restaurants, if you like that kind of thing (and aren't there during sxsw). Guero's Taco Bar is the place you wanna go. For live music, try The Continental, if you dig live music.
by MoonOrb
Wed Feb 11, 2015 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Delete
Replies: 25
Views: 1985

Re: Attempting to increase retirement contributions by 5%.

Three quick ideas: 1. Comcast--what about the new sling TV service that streams ESPN and a few other channels? It's $20/mo instead of whatever it costs for cable. I am a big sports fan, too, and I completely got rid of cable a few years ago. I make do with over the air TV but I'm considering getting...
by MoonOrb
Tue Feb 10, 2015 5:54 pm
Forum: Investing - Theory, News & General
Topic: Is "Financial Independence" the new "Retirement?"
Replies: 52
Views: 7136

Re: Is "Financial Independence" the new "Retirement?"

Thanks for sharing this. This is consistent with what I've read about the way Gen X's and Gen Y'ers talk about work and careers, compared to people from earlier generations. The Gen X/Gen Y generations are much more likely to value work/life balance over loyalty, flexibility over prestige, and so on...
by MoonOrb
Fri Feb 06, 2015 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Should I pay off house/car or invest in taxable?
Replies: 14
Views: 1401

Re: Should I pay off house/car or invest in taxable?

They're both good things to do with the money. Investing in taxable will give you a slightly higher net worth in the long run, probably, but if paying off the debt will make you feel great, then it's the better choice for you. Because the amount of debt is relatively small it matters less than if yo...
by MoonOrb
Tue Feb 03, 2015 6:48 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 834
Views: 116758

Re: What Movie Have You Recently Watched?

A Most Violent Year : Kind of a slow burn of a movie with a first rate performance by Oscar Isaac as a man fully committed to his own way of running his business. Seeing him take on the various stressors and remain unwavering in his plan was a cool character study. Jessica Chastain got the Oscar no...
by MoonOrb
Tue Feb 03, 2015 2:01 pm
Forum: Personal Consumer Issues
Topic: Costco Vacation Packages
Replies: 30
Views: 5083

Re: Costco Vacation Packages

Just used it to book a rental car, and it saved me about $45. Haven't booked any other travel--my preferred travel doesn't fit Costco's offerings very well. But two thumbs up on the rental car price!
by MoonOrb
Thu Jan 29, 2015 2:29 pm
Forum: Investing - Theory, News & General
Topic: "Retiring in a Low-Return Environment"
Replies: 71
Views: 7758

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 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Your Minimum Annual Expenses
Replies: 37
Views: 3867

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
Tue Jan 27, 2015 4:47 pm
Forum: Personal Consumer Issues
Topic: Iceland
Replies: 16
Views: 1696

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
Mon Jan 26, 2015 12:41 pm
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 51
Views: 3830

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 12:09 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 834
Views: 116758

Re: What Movie Have You Recently Watched?

Watched Boyhood last night and was spellbound. Really an incredible piece of moviemaking.
by MoonOrb
Sat Jan 24, 2015 11:54 pm
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2703

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
Fri Jan 23, 2015 1:14 pm
Forum: Personal Consumer Issues
Topic: Downsize, Reduce, Simplify.
Replies: 72
Views: 10008

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 1:00 pm
Forum: Investing - Theory, News & General
Topic: Poll: Principles of Boglehead Philosophy
Replies: 68
Views: 4054

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
Thu Jan 22, 2015 1:01 pm
Forum: Personal Consumer Issues
Topic: Establishing Priorities - Work vs Life Balance
Replies: 20
Views: 2041

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
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: 4879

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 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 6288

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
Fri Jan 16, 2015 5:43 pm
Forum: Personal Consumer Issues
Topic: Learning a NEW language - Foreign Service Inst
Replies: 56
Views: 5047

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 11:29 am
Forum: Personal Consumer Issues
Topic: Alternatives to TurboTax
Replies: 26
Views: 3236

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
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: 1669

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 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Is our taxable investment strategy logical or lame?
Replies: 12
Views: 1669

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
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: 7992

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 7:48 pm
Forum: Personal Consumer Issues
Topic: Why do you like to travel and AA question?
Replies: 16
Views: 1170

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
Sat Jan 10, 2015 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire early? 38 y/o
Replies: 89
Views: 11668

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 2:09 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 834
Views: 116758

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
Fri Jan 09, 2015 12:59 am
Forum: Personal Finance (Not Investing)
Topic: Increase Investing or Pay Down Mortgage?
Replies: 16
Views: 2100

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 12:03 am
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 4094

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
Thu Jan 08, 2015 12:10 pm
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 4094

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 1:20 am
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 4094

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!

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