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Re: A Little Common Core Math problem

This seems like a good problem to me -- I enjoyed doing it, and it took me a minute or so. It also seems above a second-grade level, and I'm impressed if your son is figuring it out, regardless of his methods. Without discussing policy, my understanding of common core as it relates to math is that ...
by TSR
Thu Oct 30, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2499

Re: A Little Common Core Math problem

This seems like a good problem to me -- I enjoyed doing it, and it took me a minute or so. It also seems above a second-grade level, and I'm impressed if your son is figuring it out, regardless of his methods. Without discussing policy, my understanding of common core as it relates to math is that k...
by TSR
Thu Oct 30, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2499

Re: Anybody using dash cameras?

Is anyone worried about the fact that your own dash-cam footage will be evidence against YOU in the event of an accident, right? And if you were to "accidentally" delete the footage after an accident that was arguably your fault, you'll most definitely be accused of spoliation and likely ...
by TSR
Tue Oct 28, 2014 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Anybody using dash cameras?
Replies: 24
Views: 4845

Re: Anybody using dash cameras?

Is anyone worried about the fact that your own dash-cam footage will be evidence against YOU in the event of an accident, right? And if you were to "accidentally" delete the footage after an accident that was arguably your fault, you'll most definitely be accused of spoliation and likely l...
by TSR
Tue Oct 28, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Anybody using dash cameras?
Replies: 24
Views: 4845

Re: Multiple Fake "Thank you for your order"?

[snip]I get about 1000 messages each day (my email address is from 1996 and fully verified) and have to use a spam filter that is industrial strength to manage the onslaught. As a result, no one whom I don't already know can reach me via email. A couple in close proximity is pretty ordinary nowaday...
by TSR
Tue Oct 21, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2312

Re: You may be getting charged rent for a router/modem you o

For those who only have internet through comcast and no television service, make sure you are not being charged an "HD" fee. They add this few dollar fee on to your bill as a default and will only remove if you call them. I've refused to pay the HD fee and for many years got the basic bro...
by TSR
Mon Oct 20, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 34
Views: 3574

Re: What happens when there is no estate planning: reference

You need to google search "intestate succession." Briefly, every state writes a "will" for people who don't get around to it. By and large, these "wills" are very fair and obvious. Google search the relevant state and "intestate laws" and you will find out the...
by TSR
Mon Oct 13, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: What happens when there is no estate planning: reference?
Replies: 18
Views: 1155

Re: Private Student Loan attacks after 7 years

As for the suggestion that you could potentially be denied security clearance - that doesn't even sound logical. What power does "Jim" at "Shady Debt Collection Agency" have to do anything that would affect any records the government could access regarding this debt? The governm...
by TSR
Wed Oct 08, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Private Student Loan attacks after 7 years
Replies: 34
Views: 2419

Re: When people put all their eggs in the wrong basket

Riceman wrote:*snip*On that note, belonging to this kind of investment community could be classified as emotionally risky behavior that compounds risky investment choices.*snip*


This is a very interesting thought and probably not studied enough.
by TSR
Wed Oct 08, 2014 10:17 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 26632

Re: Large Inheritance - Need Advice

(snip)I have heard many good things about Vanguard's but never spoke with anyone there. I do have a small 401K account with fidelity and was thinking of starting there in terms of gathering advice. From what I've read, their advisor are not commissioned based. Fidelity was not the one pitching the ...
by TSR
Tue Oct 07, 2014 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance - Need Advice
Replies: 28
Views: 3505

Re: 529 or not

Keep in mind that you can help your kids out with their loans AFTER college. Thus, you can save now for retirement, using the power of wonderful tax-advantaged compounding to that end. Then you can stretch out the time you have to pay tuition with your kids loans and more or less cash-flow college o...
by TSR
Tue Oct 07, 2014 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 or not
Replies: 34
Views: 3258

Re: Another whole-life review (NWM)

Thanks so much for two (highly expert) views -- not surprised to hear that, but I appreciate it either way, especially from you two. I'm bumping this just in case anyone else has any final thoughts....
by TSR
Fri Oct 03, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Another whole-life review (NWM)
Replies: 4
Views: 549

Another whole-life review (NWM)

My friend asked for some financial advice, and I was frustrated to learn that she had been sold the whole package (Roth, Brokerage, and Whole-Life Insurance) by a friend who was a Northwest Mutual agent (i.e., "salesperson"). She is an exceptionally busy person and trusted her friend to so...
by TSR
Thu Oct 02, 2014 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another whole-life review (NWM)
Replies: 4
Views: 549

Re: TSP Monthly, Quarterly and Annual Returns -- September,

Despite the fact that I intend to remain in the L2040 fund for the duration, I always enjoy seeing these. Thanks for the hard work!
by TSR
Wed Oct 01, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: TSP Monthly, Quarterly and Annual Returns -- September, 2014
Replies: 3
Views: 608

Re: Oatmeal suggestions

I eat oatmeal every morning. Here's how I make it: 1. 1/2 cup Quaker (or store brand) old fashioned oats (I don't touch the minute oats for ANYTHING) 2. Small amount of flax seed (ground or unground), and bulgar if I have it 3. Handful of almonds 4. Pinch of kosher salt (salt is very, very important...
by TSR
Wed Oct 01, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 130
Views: 7131

Re: Should I pay off my sisters student loans?

I work in public interest law. I still have student loans, but they are now easily manageable because I started out in the for-profit world and I pursued aggressive pay-off. I know people who have your sister's level of debt who work in public interest and ostensibly labor under the assumption that ...
by TSR
Tue Sep 30, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 3592

Re: Lawyer fee question?

[OT comment removed by admin LadyGeek] I'm unfamiliar with this "proverb," but it seems awfully offensive and not something you should put in writing on a regular basis (or ever). As for the billing, OP, there are a few ways this could have gone: (1) your attorney was working in your best...
by TSR
Mon Sep 29, 2014 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer fee question?
Replies: 32
Views: 2185

Re: Stubbornly Non-Boglehead Husband. What To Do?

Honestly, I think the first step is to change the passwords to your half of the retirement accounts. I agree with others that it's not intellectually honest to assume that you can change a person's deeply held beliefs in a relationship, so I would first start by insulating and protecting the solid g...
by TSR
Wed Sep 24, 2014 10:57 am
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 7876

Re: Sale of a home between boyfriend and girlfriend.

Another vote here for 50/50 in light of how much money he's put into it. I think there are reasonable interpretations on both sides, so split the difference and be done with it. Hope it all works out and (as a lawyer myself) that no lawyers get involved!
by TSR
Sat Sep 20, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5749

Re: We have a grocery problem...

how much of your shopping occurs around the perimeter of the grocery store vs down the aisles? Thats a big cost indicator. Mostly in the perimeter. The only thing I buy in the aisle is frozen pizza, bread, coffee and mac & cheese :) The "perimeter rule" is often cited for healthy eati...
by TSR
Fri Sep 19, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10925

Re: Why COULDN'T we just retire on Social Security?

As many people have said, you clearly COULD retire on Social Secuirty alone. But another way of answering this question is to look up the numerous threads here on "Does anyone here regret saving too MUCH?" I think you will find that very, very few people have saver's remorse, especially co...
by TSR
Fri Sep 12, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why COULDN'T we just retire on Social Security?
Replies: 66
Views: 6065

Re: Colleague being fleeced by insurance agent / Ponzi Schem

First, though, let's consider the concept of honest trade. I buy a new lawnmower, the old one still works fine, I have an extra lawnmower that I am not using that is cluttering my shed. I sell it on Craigslist to someone I don't know who lives six miles away, who needs a lawnmower and can't afford ...
by TSR
Tue Sep 09, 2014 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Colleague being fleeced by insurance agent / Ponzi Scheme?
Replies: 54
Views: 5416

Re: Did you reveal to your kids...your savings and salary

I am a boglehead in my mid-30s who has always been fairly good with money, frugal, etc. My brother is the same. Our father talked about money all the time, but he did not like to talk about HIS money. He correctly sensed that, as a poster above suggested, we were more concerned with whether we were ...
by TSR
Wed Sep 03, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 7102

Re: Pay Off Student Loans or Invest?

For some of the reasons mentioned above, I would vote to (1) pay off the variable-rate loan by the end of the year as planned, (2) then use the freed up cash flow to increase your TSP contributions, (3) then apply any "extra" money that comes along to the other loans. In most of these &quo...
by TSR
Mon Sep 01, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Student Loans or Invest?
Replies: 10
Views: 989

Re: Do we plunder our retirement to pay off student debt?

I don't agree. I think people are missing the fact that you are only saving 4% of your collective income, which is not enough. While it's true that you can get a "safe" return of 6.8% on the student loans, you can get a "safe" and immediate return of 15% in income tax by contribu...
by TSR
Wed Aug 20, 2014 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do we plunder our retirement to pay off student debt?
Replies: 30
Views: 2808

Re: Student Loans

Accounting Liked studying it but didn't like the job. Fantasy didn't meet reality. Thats why I wanted to work at a law firm and get a few informational interviews at other law firms before even applying/matriculating to law school. So far, at my job I like it a lot. Its a million times better than ...
by TSR
Wed Aug 13, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loans
Replies: 32
Views: 3378

Re: $65k bonus for student loans...considering not taking it

Do you have control over the $65k, or does your employer pay it directly to your lender? I ask because if your student loans comprise multiple individual loans, that $65k could work an immediate change in your lifestyle that would be really awesome. To wit: if you have six loans total, and three of ...
by TSR
Tue Aug 12, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: $65k bonus for student loans...considering not taking it
Replies: 30
Views: 3383

Re: Motorcycle for short commute?

Small displacement used Scooter off Craigslist. Stick to reputable brands like Honda, Yamaha, etc. No Chinese knock-offs. It's too hard to find spare parts for them and CL is full of them. Should set you back 1,000 - $2,000. In some states buying 50cc also lets you register it dirt cheap as a moped...
by TSR
Tue Aug 12, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 67
Views: 4205

Re: Student Loans

I'm a lawyer. I had about $100,000 in debt and am fighting to pay off my last remaining law school loan (approx. $30,000) about seven years out. Only you can make the choice whether or not to go to law school. Others above have suggested it's not worth it. I've been happy with my choice, but it has ...
by TSR
Tue Aug 12, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Student Loans
Replies: 32
Views: 3378

Re: Student Loans (100k+ with Sallie Mae) & Retirement

I just wanted to chime back in here and comment on your emergency fund. As tempting as it might be just to use it to knock out your small-ish loan at 9.25%, you need to recognize that that's essentially a big gamble -- i.e., a gamble that you won't be in an emergency for the period of time that it w...
by TSR
Wed Aug 06, 2014 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Student Loans (100k+ with Sallie Mae) & Retirement
Replies: 16
Views: 1386

Re: When is a 3.75% load worth it?

(snip) To your last point, every fund in your (or my) portfolio has periods of under and over performing. By your logic you'd reject all such funds and have no portfolio. (snip) Someone else is going to say it, so let me just add to the chorus, but you're wrong here. Index funds do not have "p...
by TSR
Wed Aug 06, 2014 11:04 am
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5574

Re: Student Loans (100k+ with Sallie Mae) & Retirement

I'm a big fan of doing "both," (and I agree with jimb_fromATL in his posts here and elsewhere: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=136385), but you've got a real wall of loans there (I started with about $100,000, so I feel you). I think if I were you, I would be really...
by TSR
Tue Aug 05, 2014 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Student Loans (100k+ with Sallie Mae) & Retirement
Replies: 16
Views: 1386

Re: Lawyer Up? Advice Needed

Do you personally know any lawyers? If you do, regardless of their specialties, ask them if they know any reputable personal-injury attorneys with experience in products liability and/or medical malpractice. Either should be a good option. This is likely a very easy case from a liability standpoint ...
by TSR
Thu Jul 24, 2014 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obtaining Legal Counsel?
Replies: 51
Views: 3541

Re: Any Experts on Corporate Law? (Was "LPs")

I am not by any means an expert on corporate law, and I can't quite tell if your main question is about TAX treatment only (if so, I can't help much). But the big reason people want to be limited partners is that the LPs get the benefits of the partnership (including favorable tax treatment) without...
by TSR
Thu Jul 17, 2014 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any Experts on Corporate Law? (Was "LPs")
Replies: 10
Views: 1048

Re: Paid off student loans...now what?

Congrats! I agree that you need an emergency fund -- you could potentially stash this in a Roth IRA or some iBonds, but good ol' cash is probably the best for right now. After that, one "next" step you can take is to see just how much you can plug into your 401k and your Roth every year, w...
by TSR
Fri Jul 11, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off student loans...now what?
Replies: 3
Views: 722

Re: TSP vs. IRA?

I'd like to offer a different perspective on the Traditional TSP versus Roth TSP decision you're considering. As a federal employee, I assume you'll ultimately receive a FERS defined benefit pension. That pension alone may fill up a good portion of your lower tax brackets, perphas even placing you ...
by TSR
Wed Jul 09, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP vs. IRA?
Replies: 17
Views: 1555

Re: Wife was hit by car while riding on bicyle. Next Step?

A lawyer will think of things you might not have considered. How best to handle the hospital/insurance lien on any payment from the insurance company? What will be the tax treatment of any settlement, and is there any way to minimize it? (I.e., will it be classified as "personal injury" da...
by TSR
Wed Jul 09, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife was hit by car while riding on bicyle. Next Step?
Replies: 46
Views: 5728

Re: TSP vs. IRA?

5) Roth vs. Traditional: I could stand to do more research on this, but I think Roth makes more sense for me at the moment. I'm likely in the lowest tax bracket I'll ever be in, especially if I marry someone who makes more money than I do. I make $65k and my future earning potential could triple th...
by TSR
Tue Jul 08, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP vs. IRA?
Replies: 17
Views: 1555

Re: TSP vs. IRA?

I don't think there's enough in your post for me to say this with any certainty, but I have a hunch* that you have not fully considered your choice between the Roth TSP and the Traditional TSP. Again acknowledging that I do not have enough information about your finances, my suggestion would be for ...
by TSR
Tue Jul 08, 2014 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP vs. IRA?
Replies: 17
Views: 1555

Re: Paying for/negotiating price of oral surgery

Great responses from everyone, (especially) including the "tough love" responses. I really appreciate everyone's insights and experience. I'll let you know if I come up with something clever, and please feel free to keep making suggestions!
by TSR
Thu Jul 03, 2014 12:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying for/negotiating price of oral surgery
Replies: 21
Views: 1536

Re: Paying for/negotiating price of oral surgery

Do federal employee's have access to health savings accounts (HSA)? If yes, you could enroll for the estimated amount of the surgery and pay for the operation with pre-tax dollars. This would save 15%-25% depending on your marginal tax rate. Grr. I should have thought of this. Thank you! You might ...
by TSR
Mon Jun 30, 2014 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for/negotiating price of oral surgery
Replies: 21
Views: 1536

Re: Paying for/negotiating price of oral surgery

indexmeasap wrote:Do federal employee's have access to health savings accounts (HSA)? If yes, you could enroll for the estimated amount of the surgery and pay for the operation with pre-tax dollars. This would save 15%-25% depending on your marginal tax rate.


Grr. I should have thought of this. Thank you!
by TSR
Mon Jun 30, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for/negotiating price of oral surgery
Replies: 21
Views: 1536

Re: Paying for/negotiating price of oral surgery

There are so many things I would love to discuss with you about this but for the sake of time and that this isn't a board for providing medical/dental advice I will only leave you with the following recs (I hope you look at my name and take these things to heart). 1. Most dental work, whether perfo...
by TSR
Mon Jun 30, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for/negotiating price of oral surgery
Replies: 21
Views: 1536

Re: Paying for/negotiating price of oral surgery

One of the advantages of some dental insurance plans is that they may provide a partial oral surgery benefit. That benefit could not only reduce the price of the surgery, because the provider agrees to the negotiated rate established by the insurance company, but may also reduce your own out-of-poc...
by TSR
Mon Jun 30, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for/negotiating price of oral surgery
Replies: 21
Views: 1536

Paying for/negotiating price of oral surgery

Friends, I need gum grafts. I have a family history of gum recession, and everyone (multiple dentists, periodontist) agrees that it is time to get it fixed. Apparently I need to get gum grafts on six lower teeth. The periodontist said that I am at "Stage 2" out of 4 (1 being less bad, 4 be...
by TSR
Mon Jun 30, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for/negotiating price of oral surgery
Replies: 21
Views: 1536

Re: How compelling is the TIAA Real Estate fund?

Friends, this has been truly helpful. For me (with no access to TREA), it has been intellectually interesting. For my girlfriend, it has been extremely practical advice. We are both grateful. As for actual choices, after reading and discussing she has at least preliminarily decided to stick with a t...
by TSR
Tue Jun 17, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: How compelling is the TIAA Real Estate fund?
Replies: 85
Views: 4757

Re: How compelling is the TIAA Real Estate fund?

Thank you to all for your thoughts (keep 'em coming!). Livesoft, I very much appreciate the contrarian position as well. Do you have any opinions on the TIAA Traditional Annuity referenced above? To answer others' questions, she does have access to that fund as well.
by TSR
Mon Jun 16, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: How compelling is the TIAA Real Estate fund?
Replies: 85
Views: 4757

Re: How compelling is the TIAA Real Estate fund?

When I consider putting some of my T-C money into TREA, I stumble when I consider the expense ratio: 0.87%. Instead, I put money into Vanguard REIT Index Fund Admiral Shares (VGSLX), which has an E.R. of 0.10%. The chart of TREA's performance since 2010 is very impressive, but the E.R. stops me col...
by TSR
Mon Jun 16, 2014 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: How compelling is the TIAA Real Estate fund?
Replies: 85
Views: 4757

Re: How compelling is the TIAA Real Estate fund?

A couple of strong votes for TREA. Thank you both. Thanks to Steve R for the detailed suggestions on allocation, and good thought on using the Roth as a way to make things a little less conservative.

Would still love to hear from the cons out there....
by TSR
Mon Jun 16, 2014 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: How compelling is the TIAA Real Estate fund?
Replies: 85
Views: 4757
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