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Re: Only need $315k non-retirement $ to retire at Age 43?

Can someone help me out and explain why the SS payout at age 62 would be as high as $15k annually if OP quits working at age 43?
by MoonOrb
Thu Aug 28, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Only need $315k non-retirement $ to retire at Age 43?
Replies: 36
Views: 5154

Re: Thoughts on USAA?

I've been a USAA member for 14 years and have always used their auto insurance. They've been outstanding the three times I had claims when other drivers hit my vehicles. I've also used their renter's insurance, and the rate was competitive, but I never had a claim. Have sometimes used their homeowne...
by MoonOrb
Tue Aug 19, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on USAA?
Replies: 24
Views: 1965

Re: Marathon Running and Long-term Investing

One thing I learned while training for the few marathons I ran is the value of proper rest and recovery. Put another way, don't over train. Don't let your running journal run your life--the point is not to accumulate miles for the sake of accumulating miles, but to reach a goal. Rest and recovery ca...
by MoonOrb
Thu Aug 07, 2014 2:24 am
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 17
Views: 1357

Re: What actions to take in a stock market crash?

It sounds like you think the BH philosophy is to rebalance at the bottom of the market. That's not exactly what you're doing. You're rebalancing whenever it's appropriate to rebalance, whether that's at the bottom or the market or not. It doesn't matter whether or not you catch the falling knife--th...
by MoonOrb
Mon Aug 04, 2014 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5456

Re: Seattle Chapter?

A vote for Seattle side here.
by MoonOrb
Mon Aug 04, 2014 12:03 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 49
Views: 4431

Re: Principal Residence = Poor Investment?

Since you (presumably) need to spend money to live somewhere anyway, wouldn't you really need to subtract a theoretical alternate housing (renting) cost, and figure out what he makes on the difference, if this is the argument you want to make? For example, if his total annual housing cost would be $...
by MoonOrb
Tue Jul 29, 2014 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Principal Residence = Poor Investment?
Replies: 70
Views: 5308

Re: Taking out mortgage with zero down. Smart or no?

The moralizing in this thread is weird. This isn't a moral issue. You won't be the first veteran to put no money down on a house (I've done it!); it's a fabulous benefit offered by the VA, and if you can afford the house payment and are otherwise planning on living in the house for a while, go for i...
by MoonOrb
Tue Jul 29, 2014 1:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Taking out mortgage with zero down. Smart or no?
Replies: 64
Views: 3256

Re: Taking out mortgage with zero down. Smart or no?

Use the VA loan. The risk to not putting money down is only a meaningful risk if you want to sell the home when you're underwater. If your house value drops by 50% and you have zero or little equity, who cares if you're not wanting to sell? The other risk is the behavioral risk that you'll spend abo...
by MoonOrb
Mon Jul 28, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking out mortgage with zero down. Smart or no?
Replies: 64
Views: 3256

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: 859

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: 1155

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: 894

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: 5845

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: 5845

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: 5139

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: 1758

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: 50
Views: 7060

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: 22738

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: 3931

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: 1804

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: 1284

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: 1433

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: 5028

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: 2708

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: 2416

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: 2282

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: 2282

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: 8069

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: 8069

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: 2882

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: 2063

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: 3240

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: 812

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: 2567

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: 4461

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: 4461

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: 4461

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: 4461

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: 4461

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: 1039

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: 1011

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: 17517

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: 6569

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: 5705

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: 2576

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: 621

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: 4549

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: 1560

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: 2176

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: 5638

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: 120329
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