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Re: Our plan to pay off our mortgage by Age 40

I love the idea of investing the "extra" payments in a taxable account to give you the option of paying off the mortgage by age 40 if that's still something you want to do when you're 40. I also don't think there's huge downside to just paying down your mortgage with extra payments now, bu...
by MoonOrb
Fri Oct 24, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Our plan to pay off our mortgage by Age 40
Replies: 10
Views: 910

Re: Gross Yearly Income needed in Retirement (Speculation)

I live in a relatively high cost of living area and I think I could accomplish this for about $80-90k annually without accounting for income tax, so $100k annually would seem to be feasible.
by MoonOrb
Wed Oct 22, 2014 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 94
Views: 6233

Re: Is it possible to have a favorite movie

I'm of the firm opinion that the likelihood that someone has a strongly expressed favorite movie is correlated strongly with whether the person saw it at a time when they were particularly impressionable: either during adolescence, or some other meaningful time in one's life. I saw Die Hard when I w...
by MoonOrb
Fri Oct 17, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3107

Re: Siren song of increased stock allocation

This is why you have an IPS and follow it--so moments like this when you get very un-Boglehead ideas you can reacquaint yourself with what your plan is and stick with it.
by MoonOrb
Thu Oct 16, 2014 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Siren song of increased stock allocation
Replies: 38
Views: 2898

Re: Feeling very fortunate today!

Well I appreciate everyone applying their diagnostic abilities to what to me seems like an infinitely logical decision. I must say at first I was taken aback by all the negativity and to be honest not at all flattered by the picture I was seeing painted. But I was probably oversensitive feeling I h...
by MoonOrb
Thu Oct 16, 2014 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6140

Re: BOGLEHEAD CONTEST -- S&P at record high.

Wow, I can't say I'm thrilled to see that my prediction of 1839 was reached, albeit briefly, today.
by MoonOrb
Wed Oct 15, 2014 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 26
Views: 3902

Re: Critically Acclaimed Movies you did not like

I'd probably be more fascinated by people revealing which movies are commonly considered absolute garbage but are nevertheless beloved.

I'll go first: Billy Madison.
by MoonOrb
Wed Oct 08, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8027

Re: Critically Acclaimed Movies you did not like

Wow, there's really no accounting for taste. I've enjoyed nearly every single movie that's made this list, some more than others. A number of times I've thought movies have been just sort of "okay" compared to the Awards they've received (Titanic, Gladiator, Crash) but I still liked them w...
by MoonOrb
Tue Oct 07, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8027

Re: I want to pay off my mortgage.

It's in total stock market fund admiral shares. I have a feeling that the stock market will fall soon. Who cares what the stock market does soon. What will it have done by the time you want to retire? The question you want to ask yourself is if you're better off with a giant, illiquid asset that yo...
by MoonOrb
Wed Oct 01, 2014 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: I want to pay off my mortgage.
Replies: 36
Views: 2686

Re: Hard Money Lending, flipping houses 12% return Lets hear

Can anyone give me a worst case here? The worst case is this guy doesn't pay you back, doesn't make it easy for you to get title to the house, and you spend years in foreclosure and litigation and after all of the stress and uncertainty is over maybe you recover as much as $100,000.00, but everyone...
by MoonOrb
Tue Sep 30, 2014 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 56
Views: 3091

Re: Lawyer fee question?

To the other poster the only firm deadline was the court date which was 2+ months away from when we decided to start settlement discussions. I am not a lawyer, but that seems like PLENTY of time to get everything in order even if the settlement discussion fell through. It's hard to know without kno...
by MoonOrb
Tue Sep 30, 2014 12:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer fee question?
Replies: 32
Views: 2178

Re: Lawyer fee question?

This seems like normal billing to me: just because your strategy was to seek a settlement does not mean that your lawyer could simply just abandon preparing the case for litigation--litigation may still have been necessary. This is true even if maybe it was possible to change deadlines, etc. In my e...
by MoonOrb
Mon Sep 29, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer fee question?
Replies: 32
Views: 2178

Re: Costco vs Amazon?

Okay, I LOVE Costco. Having said that, I wonder sometimes if I'm better off without the membership because I wind up dropping a ton of money there, and I go there a lot. I've come to think of Costco as a sort of lifestyle/entertainment combined with a shopping choice instead of just as a straight up...
by MoonOrb
Thu Sep 11, 2014 6:15 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4793

Re: WA state Teacher Retirement System questions

Thanks donall--it looks as if I was way off base there.
by MoonOrb
Thu Sep 11, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: WA state Teacher Retirement System questions
Replies: 32
Views: 2318

Re: WA state Teacher Retirement System questions

Oh, if the Plan 2 works how I think it does (similar to PERS 2), then the employee contributions are not able to be withdrawn by the employee ever, right? I think this is really significant because the attrition rate for teachers is just so high. I graduated from a teaching certification program in ...
by MoonOrb
Thu Sep 11, 2014 12:13 am
 
Forum: Personal Finance (Not Investing)
Topic: WA state Teacher Retirement System questions
Replies: 32
Views: 2318

Re: WA state Teacher Retirement System questions

401(a) contributions don't count toward 403(b) limits Do you have any source or citation for this? I contribute to a 401(a) plan in Washington and I'd love to know more about this. Thanks! Edit: actually, here's a link that says so although it would be also neat to find something more authoritative...
by MoonOrb
Wed Sep 10, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: WA state Teacher Retirement System questions
Replies: 32
Views: 2318

Re: How many books at one time?

I'm usually reading about 3-4 books at any one time: 1. One book on some type of self-improvement/hobby thing, like fitness, writing, photography, investing, personal development. 2. One fiction book on my Kindle that I can also read on my iPhone when I'm standing in line at the supermarket, on the ...
by MoonOrb
Mon Sep 08, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: How many books at one time?
Replies: 16
Views: 681

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: 5406

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: 2048

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: 19
Views: 1776

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: 5745

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: 65
Views: 5831

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: 5545

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: 3351

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: 3351

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: 878

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: 1204

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: 974

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: 5996

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: 5996

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: 5274

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: 1785

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: 7333

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: 23694

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: 3995

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: 1864

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: 1331

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: 1446

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: 5239

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: 2849

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: 2436

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: 2331

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: 2331

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: 8437

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: 8437

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: 3061

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: 2092

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: 3346

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: 837
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