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Re: Favorite nonfiction books

Books off of the top of my head that I've enjoyed quite a bit: About sports: Friday Night Lights, by H.G. Bissinger; The Summer of '41, and October, 1964, both by David Halberstam; Moneyball, by Michael Lewis. About history: Latitude, by Dava Sobel; Chickenhawk, by Robert Mason; The Big Burn, and Th...
by MoonOrb
Tue Nov 25, 2014 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 35
Views: 1043

Re: Will stocks beat bonds over next 30 years?

PJW, the part that I didn't follow was where you said that computers enabled fewer people to make more mistakes. Why not more people, instead of fewer? I understand. Please allow me to explain. A long time ago, if the entire population of the globe, organized for the purpose and working efficiently...
by MoonOrb
Sat Nov 22, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: Will stocks beat bonds over next 30 years?
Replies: 64
Views: 4989

Re: Will stocks beat bonds over next 30 years?

PJW, the part that I didn't follow was where you said that computers enabled fewer people to make more mistakes. Why not more people, instead of fewer?
by MoonOrb
Fri Nov 21, 2014 11:29 pm
 
Forum: Investing - Theory, News & General
Topic: Will stocks beat bonds over next 30 years?
Replies: 64
Views: 4989

Re: How much is saved by taking mass transit to work?

Many people who take mass transit do so in areas of high population density where parking could run $200-$1000/mo, or even more.
by MoonOrb
Wed Nov 19, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 3407

Re: Real estate as my "million dollar idea"

On leverage -- At the price level you're talking about I'd just pay cash too, at least for my first couple deals. You can get a mortgage on a $25K property, but closing costs will be crazy-high compared to the money you're borrowing. It won't be worth it unless you hold the property a very long tim...
by MoonOrb
Fri Nov 14, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate as my "million dollar idea"
Replies: 78
Views: 6560

Re: Real estate as my "million dollar idea"

Paying cash for $30k houses doesn't sound that risky to me, but it just is personally a lot more time and effort than I want to spend on investing. I'd rather invest all of that money in the market and not have to worry about replacing roofs or tenants who don't pay or neighbors complaining about my...
by MoonOrb
Wed Nov 12, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate as my "million dollar idea"
Replies: 78
Views: 6560

Re: Puerto Rico

I lived in Puerto Rico for 2 months, but this was more than a decade ago, however, I'd say if you can spend time in the Fajardo area instead of the San Juan area you'll probably like it. Fajardo is the jumping off point for Vieques, which has some of the nicest beaches I've ever seen (although at th...
by MoonOrb
Wed Nov 12, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: Puerto Rico
Replies: 16
Views: 1507

Re: War on Debt

Regarding the cable and cell phone one approach you might be able to take is just to try out life without them for, say 3 months, and see how it goes. We did this when we got rid of cable, basically. I thought, what the hell, I'll cancel it and if I still want it again in a few months I'll sign up f...
by MoonOrb
Fri Nov 07, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 26196

Re: Cash - Throw it on the table!

We keep about 4-6 months of expenses in cash, or about $30k. If I notice we're a few thousand dollars over this I'll usually make a lump sum deposit. I don't worry about it much.
by MoonOrb
Wed Nov 05, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 51
Views: 3746

Re: What Movie Have You Recently Watched?

"Birdman." Went completely over my head. Seemed like it had a lot to say that could be related to by people familiar with Hollywood, Broadway, and/or those into the acting/writing scene. Interesting movie, one of those that blurs the lines between reality and fiction, and did some fancy fi...
by MoonOrb
Mon Nov 03, 2014 7:26 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 222
Views: 17992

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 6:28 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2697

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 5:56 pm
 
Forum: Personal Consumer Issues
Topic: Anyone consider retiring to Vancouver, Washington?
Replies: 45
Views: 4426

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 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Portfolio - Critiques Wanted
Replies: 9
Views: 991

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 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 47
Views: 4277

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 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7601

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 11:59 am
 
Forum: Investing - Theory, News & General
Topic: So you think you're a Risk-taker?
Replies: 36
Views: 4044

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 11:11 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7601

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 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Our plan to pay off our mortgage by Age 40
Replies: 10
Views: 1377

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 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12897

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 11:16 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3283

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 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Siren song of increased stock allocation
Replies: 38
Views: 2951

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 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 55
Views: 7300

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 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 26
Views: 3936

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 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 9427

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 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 9427

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 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: I want to pay off my mortgage.
Replies: 36
Views: 2727

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 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 56
Views: 3193

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
Mon Sep 29, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer fee question?
Replies: 32
Views: 2205

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 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer fee question?
Replies: 32
Views: 2205

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 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 5095

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 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: WA state Teacher Retirement System questions
Replies: 32
Views: 2386

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
Wed Sep 10, 2014 11:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: WA state Teacher Retirement System questions
Replies: 32
Views: 2386

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 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: WA state Teacher Retirement System questions
Replies: 32
Views: 2386

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 1:12 pm
 
Forum: Personal Consumer Issues
Topic: How many books at one time?
Replies: 16
Views: 685

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 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Only need $315k non-retirement $ to retire at Age 43?
Replies: 36
Views: 5476

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 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on USAA?
Replies: 24
Views: 2072

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 1:24 am
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 19
Views: 1833

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 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5812

Re: Seattle Chapter?

A vote for Seattle side here.
by MoonOrb
Mon Aug 04, 2014 11:03 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 65
Views: 6090

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 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Principal Residence = Poor Investment?
Replies: 70
Views: 5558

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 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Taking out mortgage with zero down. Smart or no?
Replies: 64
Views: 3376

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 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking out mortgage with zero down. Smart or no?
Replies: 64
Views: 3376

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 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Trip to OKC, what attractions to visit
Replies: 24
Views: 882

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 11:50 am
 
Forum: Investing - Theory, News & General
Topic: If you consistently outperform (pre-fees), why not lower ER?
Replies: 35
Views: 1208

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 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance ?
Replies: 14
Views: 1014

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 12:04 pm
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 6070

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 10:52 am
 
Forum: Personal Consumer Issues
Topic: A question for the Bogleladies or those who can consult one
Replies: 70
Views: 6070

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 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 5389

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 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vacation Home Fractional Ownership
Replies: 15
Views: 1838
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