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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 7:28 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2454

Re: Anyone consider retiring to Vancouver, Washington?

My DW's concern is the summers are "cold" meaning 75 degrees in Aug. and the winters will be damp and gloomy (I share the same concern as DW for the winter).] Your wife's fears will be realized, largely. It will not feel like summer for quite a while, but when it does, the days will be mo...
by MoonOrb
Thu Oct 30, 2014 6:56 pm
 
Forum: Personal Consumer Issues
Topic: Anyone consider retiring to Vancouver, Washington?
Replies: 26
Views: 1915

Re: My Portfolio - Critiques Wanted

Re: 100% equities--when is the right time to add bonds to your portfolio? Are you going to start adding them in 5 or 10 years if equities are way down in 5-10 years? One issue with being 100% invested in equities is that you never know when the right point is to go from being 100% equities to someth...
by MoonOrb
Thu Oct 30, 2014 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Portfolio - Critiques Wanted
Replies: 9
Views: 943

Re: Australia and New Zealand

Looking to do a two couple trip for 3-4 weeks in A & NZ in February. Suggestions on must see and relaxing to soak in the culture? It's hard to do New Zealand in under 3 weeks. If this were my trip, I'd split my time 3 weeks in NZ and 1 week in Australia, with my time in Australia split between ...
by MoonOrb
Thu Oct 30, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 47
Views: 3918

Re: Bogleheads.org equivalents for other areas of life?

Gronnie wrote:For poker strategy: http://www.twoplustwo.com



+1 for twoplustwo. I learned a TON about limit hold'em from the forums. Fantastic people, mostly. Really great insights.
by MoonOrb
Tue Oct 28, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 69
Views: 6737

Re: So you think you're a Risk-taker?

2000-02 and 2007-09 provide the best laboratory for measuring one's true risk tolerance but are only a start. Even if everything else about your psychology has remained the same, it is different losing half your money when you are 30 and have $10,000 at risk, 37 and have $100,000 at risk, or 44 and...
by MoonOrb
Mon Oct 27, 2014 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: So you think you're a Risk-taker?
Replies: 36
Views: 3793

Re: Bogleheads.org equivalents for other areas of life?

There's a very good fitness forum at http://forums.johnstonefitness.com/, although not as active as it was several years ago unfortunately.
by MoonOrb
Mon Oct 27, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 69
Views: 6737

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: 1345

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: 159
Views: 12455

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: 3193

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: 2903

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: 6186

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: 3909

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: 8273

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: 8273

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: 2699

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: 3098

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: 2185

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: 2185

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: 4816

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: 2336

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: 2336

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: 2336

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: 683

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: 5415

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: 2053

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: 5753

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: 5889

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: 5547

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: 3357

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: 3357

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: 880

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: 1206

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: 990

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: 6021

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: 6021

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: 5286

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: 1789

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: 7335

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: 23710

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: 3999

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: 1866

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: 1447

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: 5245

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: 2878

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: 2333
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