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

I have started taking the bus to work in a city that is not particularly bus-friendly. It so happens that it is an exceptionally easy trip from my home, and the bus goes many times per hour (giving me much more time flexibility). A few things have made this an especially good deal: Tangibles 1. I sa...
by TSR
Thu Nov 20, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 3414

Re: Paid off our Mortgage this evening!

Way to go! I'm more than a little envious, but still very happy for you. :beer
by TSR
Tue Nov 18, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 7529

Re: Waitress giving me discount - ethical question

OP, what you describe is exactly what it means to be a regular at a bar. I absolutely would tip her more and feel no qualms about it. She knows better than you what the stated or unstated policies of the restaurant are, and I would not operate under the assumption that she is violating those policie...
by TSR
Mon Nov 17, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Waitress giving me discount - ethical question
Replies: 62
Views: 6651

Re: Save for down payment w/Roth TSP?

I agree with everyone else that you should use your TSP (SUCH a great program!) for retirement investing and do not even think of it as a source of potential loans, except in serious emergencies. You will come to love this program. I write separately to say that if you want to use a Roth IRA as a sa...
by TSR
Fri Nov 14, 2014 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Save for down payment w/Roth TSP?
Replies: 11
Views: 693

Re: Winter Coat

Not sure what your jacket size is, but I was happy to find that Filson makes a Mackinaw Cruiser in a size 38-Extra Long(which you probably realize is very rare in higher-end stuff): http://www.filson.com/products/mackinaw-cruiser-extra-long.10044.html?fromCat=true&fvalsProduct=mens/coats-jackets...
by TSR
Fri Nov 14, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 51
Views: 4413

Re: Whole Life Insurance vs. 401k Contributions

Everyone here is correct: this is a bad idea. I was in your shoes once. I worked in a law firm and was targeted by a so-called "advisor" from Northwest Mutual. I had a few meetings before the insurance pitch was made. I thought it sounded good, but I had run no numbers. Thankfully, my dad ...
by TSR
Thu Nov 13, 2014 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Whole Life Insurance vs. 401k Contributions
Replies: 59
Views: 3681

Re: Inheritance/Retirement Planning Question

You're in your early 30s. That means that the major driving force of your retirement assets will be your contributions, and it will stay that way for many years (after some point it will be the effect of compounding, but not now). If I were you, I might allow myself to indulge in the notion that I w...
by TSR
Tue Nov 11, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance/Retirement Planning Question
Replies: 25
Views: 1927

Re: War on Debt

I'd like to point out that this thread has 148 posts and 8521 views . That's nearly 8400 readers (rounded up) who haven't posted in this thread. Aside from the soap opera aspects, there are quite a number of readers who are benefiting from this discussion. Whether the OP decides to respond to TSR's...
by TSR
Sun Nov 09, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 26699

Re: War on Debt

I have no grief to give you. Your optimism may be the only thing keeping you afloat right now. A few questions though: 1. You say that you would sell the land before going into bankruptcy. Why won't you just tell people what the deal with the land is? Is there some sentimental attachment? Have you ...
by TSR
Sun Nov 09, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 26699

Re: War on Debt

I have no grief to give you. Your optimism may be the only thing keeping you afloat right now. A few questions though: 1. You say that you would sell the land before going into bankruptcy. Why won't you just tell people what the deal with the land is? Is there some sentimental attachment? Have you c...
by TSR
Sun Nov 09, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 26699

Re: What if I Never Buy a House?

I agree with everyone else that you're just fine either way. One note: a commonly-cited benefit of home ownership is the so-called "forced savings" aspect. Every month you are making mortgage payments, and at least SOME of that you get to keep, even though it feels like rent at the time. N...
by TSR
Sun Nov 09, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 57
Views: 6427

Re: When do you buy a new home computer?

Wow, a lot of opinions here. I apologize for so few responses from me: I stopped getting notified of replies! Regardless, I really appreciate (as always) all of your excellent advice.
by TSR
Sat Nov 08, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4148

Re: Does anyone use mozy (off site computer backup program)

Funny you should ask:

viewtopic.php?f=2&t=150371&newpost=2250542

Some discussion there. Perhaps JDCarpenter will weigh in on this thread as well.
by TSR
Fri Nov 07, 2014 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone use mozy (off site computer backup program)
Replies: 13
Views: 1195

Re: When do you buy a new home computer?

dbr and JDCarpenter both offer some good "duh" responses here: just back the dang thing up. A few questions: 1. What service do you use for the online backup? (iCloud? Google? Etc.?) 2. Does it back up actual programs as well as data? I.e., we now live in this bizarre world where most comp...
by TSR
Fri Nov 07, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4148

When do you buy a new home computer?

Question: When or how often do you buy a new home computer? Premise: We seem to have emerged from the Moore's-Law period of home computing, in which one seemingly needed to buy a new computer every few years just to keep up with processing demands. I have relatively limited home computing needs -- i...
by TSR
Fri Nov 07, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4148

Re: Should I pay off student loans with part of emergency fu

I think about this sort of thing a lot, being in a (somewhat) similar situation. The short answer, as others have suggested, is that it doesn't matter. My longer answer involves some risk analysis. If a true emergency (or even, say, a $15,000 repair or need for a new car or whatever) occurred, you w...
by TSR
Tue Nov 04, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I pay off student loans with part of emergency fund?
Replies: 19
Views: 1044

Re: Investing in Art, Antiques, and Collectibles and wines

If I had the money, I would collect guitars. They are lovely, filled with history, and can be played. They also have high-ish storage costs, between security and climate control. There are many who would say that fine guitars beat the stock market consistently. They are probably lying or disregardin...
by TSR
Mon Nov 03, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Art, Antiques, and Collectibles and wines
Replies: 53
Views: 3788

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 2:02 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2699

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 1:54 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2699

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 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Anybody using dash cameras?
Replies: 30
Views: 5549

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 11:32 am
 
Forum: Personal Consumer Issues
Topic: Anybody using dash cameras?
Replies: 30
Views: 5549

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 9:48 am
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2375

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 2:40 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 34
Views: 3960

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 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: What happens when there is no estate planning: reference?
Replies: 18
Views: 1168

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 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Private Student Loan attacks after 7 years
Replies: 34
Views: 2443

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 9:17 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 28868

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 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance - Need Advice
Replies: 28
Views: 3566

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 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 or not
Replies: 38
Views: 4119

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 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Another whole-life review (NWM)
Replies: 4
Views: 559

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 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another whole-life review (NWM)
Replies: 4
Views: 559

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 9:55 am
 
Forum: Investing - Theory, News & General
Topic: TSP Monthly, Quarterly and Annual Returns -- September, 2014
Replies: 3
Views: 622

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 9:51 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 141
Views: 10232

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 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 3624

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 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer fee question?
Replies: 32
Views: 2205

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 9:57 am
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 8058

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 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5864

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 1:47 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11184

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 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Why COULDN'T we just retire on Social Security?
Replies: 66
Views: 6098

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 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Colleague being fleeced by insurance agent / Ponzi Scheme?
Replies: 54
Views: 5537

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 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 7276

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 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Student Loans or Invest?
Replies: 10
Views: 1016

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 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Do we plunder our retirement to pay off student debt?
Replies: 30
Views: 2865

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 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loans
Replies: 32
Views: 3416

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 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: $65k bonus for student loans...considering not taking it
Replies: 30
Views: 3410

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 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 67
Views: 4334

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 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Student Loans
Replies: 32
Views: 3416

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 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Student Loans (100k+ with Sallie Mae) & Retirement
Replies: 16
Views: 1397

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 10:04 am
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5643

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 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Student Loans (100k+ with Sallie Mae) & Retirement
Replies: 16
Views: 1397

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 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obtaining Legal Counsel?
Replies: 51
Views: 3552
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