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by TSR
Thu May 21, 2015 9:10 am
Forum: Personal Consumer Issues
Topic: Parks to visit between TX and PA?
Replies: 23
Views: 734

Re: Parks to visit between TX and PA?

If you still have any interest in Mammoth Cave, be careful to reserve your tour at LEAST a month out -- tickets go pretty quickly. I liked the four-hour tour I took, and I'm sure there are other good ones. When going through Tennessee, you might take the short diversion to the Cumberland Plateau. Fi...
by TSR
Wed May 20, 2015 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell my company's stock and exchange it for an SP500 index fund?
Replies: 60
Views: 3481

Re: Should I sell my company's stock and exchange it for an SP500 index fund?

I'll just chime in to say that my father worked for Nortel for many, many years. In the late 90s, when things were really chugging there, he saw a financial advisor who said, "Would you go to Vegas and put all of your money on a roulette wheel? No? Then you should sell all of these shares."...
by TSR
Thu May 14, 2015 10:32 am
Forum: Personal Consumer Issues
Topic: How to suggest downsizing to Parent
Replies: 23
Views: 2493

Re: How to suggest downsizing to Parent

My mom, who is in her mid- to late-60s, recently moved to a condo -- no convincing required (nor would I have tried). However, her own personal motivations included (1) no stairs in the condo, unlike her house which had a lot; (2) certain lousy memories from the old house; (3) closer to town in the ...
by TSR
Tue May 12, 2015 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on renting a room in my home to a friend
Replies: 30
Views: 1765

Re: Taxes on renting a room in my home to a friend

Barter may work. Instead of rent, take groceries, repairs, car rides/sharing, etc. Sometimes you can enter into non cash agreements to avoid the bureaucracy: http://www.wsj.com/articles/new-yorkers-trade-services-for-free-rent-1412988217 but not always: http://www.irs.gov/taxtopics/tc420.html I did...
by TSR
Tue May 12, 2015 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on renting a room in my home to a friend
Replies: 30
Views: 1765

Re: Taxes on renting a room in my home to a friend

I have a good friend who owns multiple properties. He pays taxes on the income from the investment properties, but never his primary residence which he also has paying roommates in. He's never had an issue. Lots of criminals never get caught either , so what? I appreciate what you're saying here, b...
by TSR
Tue May 12, 2015 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on renting a room in my home to a friend
Replies: 30
Views: 1765

Re: Taxes on renting a room in my home to a friend

Please use the following as a cautionary tale - I would never advocate doing this. Twenty one years ago when I was 21, I bought a house that I lived in for 8 years. During the entire 8 years I had at least two and sometimes three roommates. My roommates paid me in cash and I did not declare any inc...
by TSR
Tue May 12, 2015 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on renting a room in my home to a friend
Replies: 30
Views: 1765

Re: Taxes on renting a room in my home to a friend

Thanks for everyone's thoughts so far. I saw this in some of the googling I did and should have clarified in advance: I am in a state with no sort of tax credit for renters (and indeed no income tax at all), so there should be no reason that the renter would report this information.
by TSR
Tue May 12, 2015 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on renting a room in my home to a friend
Replies: 30
Views: 1765

Taxes on renting a room in my home to a friend

I own a home (by which I mean that I make monthly mortgage payments on a home), and I live alone. I am considering taking on a roommate -- a friend of mine who is gainfully employed but looking for a decent place to live in a hot rental market. He would pay approximately half of my total monthly pay...
by TSR
Fri May 08, 2015 2:09 pm
Forum: Investing - Theory, News & General
Topic: Help me understand why maxing out Roth TSP is better than Traditional
Replies: 23
Views: 1400

Re: Help me understand why maxing out Roth TSP is better than Traditional

I max out my TSP, but I use a traditional (non-Roth) account, which is right for me and my tax bracket, I think. As everyone else is saying above, you really CAN'T know what's best for you unless you can predict the future. The "simple" explanation when people are talking about the benefit...
by TSR
Thu May 07, 2015 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tax LLM: worth it?
Replies: 19
Views: 1539

Re: Tax LLM: worth it?

Where do you want to be? You can do tax litigation working for the IRS if you're in the seat of one of the various federal districts. I work as a different kind of attorney for the federal government (I won't say where just for the sake of privacy). My academic resume is significantly less polished ...
by TSR
Thu May 07, 2015 9:52 am
Forum: Investing - Theory, News & General
Topic: Are we experiencing a bond correction or crash?
Replies: 34
Views: 5667

Re: Are we experiencing a bond correction or crash?

This morning I awoke to a headline stating, "Wall St. mixed as positive jobs data offsets bond rout." Despite checking my holdings every day, I had not noticed a "bond rout" affecting my Total Bond fund more than offsetting some of the strange gains I had experienced this year. I...
by TSR
Thu Apr 30, 2015 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Casual shirts/tops for tall skinny men
Replies: 17
Views: 1112

Re: Casual shirts/tops for tall skinny men

retiredjg wrote:Take a look at Territory Ahead. Lots of interesting shirts and many are in tall sizes. Expensive but last a long time and often available on sale.


Had never even heard of them. Thanks!
by TSR
Thu Apr 30, 2015 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Casual shirts/tops for tall skinny men
Replies: 17
Views: 1112

Re: Casual shirts/tops for tall skinny men

This has all been really helpful. Thank you! I haven't looked at Lands End in years. And do check out the LL Bean Signature line. Very good stuff for what it is. And to the folks at 6'8", believe me, I feel your pain. It's certainly nicer to be in the 6'3" range where there actually are so...
by TSR
Wed Apr 29, 2015 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Casual shirts/tops for tall skinny men
Replies: 17
Views: 1112

Re: Casual shirts/tops for tall skinny men

Not as nice quality as some of the places you mentioned, but more inexpensive (especially if you use a sale code or get a discounted gift card with Discover Points) is OldNavy.com. I'm 6'1" and ~175 lbs with around 12% body fat and find that the Medium Tall size makes a world of difference in ...
by TSR
Wed Apr 29, 2015 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Casual shirts/tops for tall skinny men
Replies: 17
Views: 1112

Casual shirts/tops for tall skinny men

Friends, I'm a tall skinny guy -- not "freakishly tall" or wildly disproportionate, just tall, and just skinny. Specifically, I'm 6'3"; 175 lbs; dress-shirt size of 15 1/2, 36; suit size approximately 38L (though I could probably wear a 37L if that actually existed). What this means i...
by TSR
Wed Apr 22, 2015 10:17 am
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 34
Views: 1638

Re: Visiting Nashville during the summer

I live in Nashville. You're getting good advice here, especially the comprehensive list from Jupiter Jones^. I have to agree with the Lane Motor Museum. I'm not a "car guy," but it's really fascinating (and fairly cheap). The Country Music Hall of Fame has a new Dylan/Cash exhibit that sh...
by TSR
Wed Apr 22, 2015 9:50 am
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 34
Views: 1638

Re: Visiting Nashville during the summer

I live in Nashville. You're getting good advice here, especially the comprehensive list from Jupiter Jones^. I have to agree with the Lane Motor Museum. I'm not a "car guy," but it's really fascinating (and fairly cheap). The Country Music Hall of Fame has a new Dylan/Cash exhibit that sho...
by TSR
Fri Apr 17, 2015 10:34 am
Forum: Personal Finance (Not Investing)
Topic: [Financial] Tips for Post-College Lifestyle
Replies: 53
Views: 2960

Re: Tips for Post-College Lifestyle

1. Get used to saving AT LEAST 10% in available workplace retirement options at the outset, then move up from there. 2. There is a horrible trend toward very fancy cocktails in the $12-18 range and very fancy craft beers in the $7-10 range. In order to be able to go out and have fun but also be fru...
by TSR
Fri Apr 17, 2015 9:38 am
Forum: Personal Finance (Not Investing)
Topic: [Financial] Tips for Post-College Lifestyle
Replies: 53
Views: 2960

Re: Tips for Post-College Lifestyle

1. Get used to saving AT LEAST 10% in available workplace retirement options at the outset, then move up from there. 2. There is a horrible trend toward very fancy cocktails in the $12-18 range and very fancy craft beers in the $7-10 range. In order to be able to go out and have fun but also be frug...
by TSR
Thu Apr 16, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 72
Views: 7063

Re: Best albums of 2015

I just want to say that I am so pleasantly surprised that there are Kendrick Lamar and Sufjan Stevens fans on this page. I thought I was the only one with impeccable taste (I kid I kid). Seriously though, that new Sufjan Stevens Album - Carrie and Lowell -- is one hell of an album. Greatest thing I...
by TSR
Thu Apr 09, 2015 2:11 pm
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 16384

Re: The $1 Million Goal: Source of Motivation or Discouragem

I found your comments a little offensive and out of touch. English isn’t my first language so bear with me. I make 45K a year. I have bachelor degree from my country. I have 2 kids and single (maybe I shouldn’t have kids or shouldn’t get divorced right?). We don’t qualify for any government assista...
by TSR
Wed Apr 08, 2015 9:02 am
Forum: Personal Finance (Not Investing)
Topic: 2 commas and mortgage-free
Replies: 33
Views: 4647

Re: 2 commas and mortgage-free

Congrats and thanks for the inspiration! Hope to be where you are in a decade or two.
by TSR
Mon Mar 09, 2015 4:39 pm
Forum: Personal Consumer Issues
Topic: Baby Grand Piano
Replies: 42
Views: 3431

Re: Baby Grand Piano

Another option is that a lot of piano stores sell used pianos that they do not advertise. If you look for a large, reputable store (not sure where you live, but you'd probably have to look in a larger metropolitan area), you can try a bunch of their used options out. I doubt that this would be as ch...
by TSR
Fri Mar 06, 2015 5:18 pm
Forum: Personal Consumer Issues
Topic: Adult Music Lessons
Replies: 30
Views: 2323

Re: Adult Music Lessons

Absolutely take lessons -- it will keep you young. But, do you want to play classical piano? Or do you want to play pop (or jazz) songs and sing along? These are two very different skills (the latter is arguably much easier to learn), and you need to find a teacher who knows how to teach the one you...
by TSR
Thu Mar 05, 2015 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Quick help: International credit card fees
Replies: 8
Views: 323

Re: Quick help: International credit card fees

dpc wrote:1. Yes you still have time.

2. No I wouldn't bother for one 8-day trip, especially if you have some type of cash-back rewards card. But I'm basically lazy.


As am I. I appreciate the opinion.
by TSR
Thu Mar 05, 2015 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Quick help: International credit card fees
Replies: 8
Views: 323

Quick help: International credit card fees

In about 15 days, I am traveling to the Netherlands for about 8 days. Late to the game as always, I am realizing that my Chase Freedom card has a 3% foreign transaction fee. I don't anticipate spending any crazy amount of money there (I'm staying mostly with a friend, so housing is not a real issue)...
by TSR
Thu Mar 05, 2015 11:59 am
Forum: Personal Consumer Issues
Topic: Favorite Guitars
Replies: 29
Views: 1693

Re: Favorite Guitars

If I had my pick, I'd go for a Collings, probably either an OM-1A or a DS-1A (forgetting their nomenclature, but you get the picture). As it is, money is finite, so I have a truly awesome Martin OM-18V Custom (the custom is an Adirondack top) that is "all the guitar I'll ever need," if not...
by TSR
Wed Mar 04, 2015 12:01 pm
Forum: Investing - Theory, News & General
Topic: SIGN PETITION for Jack Bogle's Presidential Medal of Freedon
Replies: 55
Views: 4869

Re: WHY YOU OWE YOUR FREEDOM TO JACK BOGLE

I've never "written my congressman" about anything in my life before, but I did about this. Regardless of the success or failure of this petition, I'm very grateful for everyone's efforts here.
by TSR
Tue Mar 03, 2015 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Investing vs Student Loan Payoff
Replies: 2
Views: 256

Re: Investing vs Student Loan Payoff

It sounds like your $10k is doing great where it is -- serving as an emergency fund. As fun as it would be to knock out some debt, it's no fun if you have an actual emergency and no emergency fund. We don't know exactly what funds you refer to when you say "Vanguard Funds," but I'm just gu...
by TSR
Tue Feb 24, 2015 11:33 am
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 14280

Re: How much did you have saved up for retirement at age 30?

At 30, I was three years out of law school and probably at around $70k in retirement accounts and $60k in student-loan debt. At 36, I'm at about $245k in retirement accounts and $15k in student-loan debt. I'm fairly happy with those numbers, though I'll be happier when the student loans are gone (sh...
by TSR
Fri Feb 20, 2015 2:56 pm
Forum: Personal Consumer Issues
Topic: Music / Song Help
Replies: 52
Views: 2594

Re: Music / Song Help

It's not a long song, but "Pancho & Lefty" by Townes Van Zandt is a great and sort of meta story song.
It's not a story song, but "I Dream a Highway" is a great and very long song (15 minutes?) by Gillian Welch and David Rawlings.
by TSR
Sat Feb 14, 2015 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Graduating law student portfolio and loan questions
Replies: 32
Views: 2813

Re: Graduating law student portfolio and loan questions

You've done well to keep your loans reasonably low for law school, and you've done well enough to get a big-law job. Congrats. As someone who's done what you're doing, here are my thoughts: 1. Obviously continue to live frugally, preferably "spartanly." 2. Count on having that job for 3 ye...
by TSR
Wed Feb 11, 2015 3:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 13283

Re: PETITION FOR Jack Bogle's Presidential Medal of Freedom

Signed (I think). Just saying so in order to bump the thread up.
by TSR
Fri Feb 06, 2015 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Young and Fresh to this-Juggling Debt(student) vs. Investing
Replies: 5
Views: 504

Re: Young and Fresh to this-Juggling Debt(student) vs. Inves

I agree that it is better to do both. Someone will chime in that you can't guarantee a 5% return in the market, but you CAN guarantee a serious decrease in either your present or future tax obligations from contributions to a traditional or Roth IRA, and that will almost certainly be greater than 5%...
by TSR
Thu Feb 05, 2015 2:35 pm
Forum: Investing - Theory, News & General
Topic: Milestone >$100k in my retirement investment portfolio
Replies: 30
Views: 3316

Re: Milestone >$100k in my retirement investment portfolio

Way to go! That was a big milestone for me too, and I'm not very far out from it.
by TSR
Tue Jan 13, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: Best albums from 2014?
Replies: 63
Views: 5850

Re: Best albums from 2014?

Cory Branan--One Hit Wonder Primus--Primus and the Chocolate Factory Doug Paisly--Strong Feelings Rural Alberta Advantage--Mended With Gold Scott H. Biram--Nothing But Blood While No One Was Looking--Toasting 20 Years of Bloodshot Records American Aquarium--Dances For the Lonely Les Claypool-- Duo ...
by TSR
Thu Jan 08, 2015 1:32 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Customers, What Do You Hold at FIDO?
Replies: 43
Views: 4360

Re: Fidelity Customers, What Do You Hold at FIDO?

I have my Roth in a typical three-fund portfolio at Fido for no reason other than inertia (my dad set it up for me about 17 years ago, albeit with more expensive funds). Like many, I'm Spartan-only, using:

FSTVX (Total US)
FSGDX (Total intl., incl. EM)
FSITX (US Total Bond)
by TSR
Tue Dec 30, 2014 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Engaged - marriage penalty & other practical concerns
Replies: 50
Views: 4276

Re: Engaged - marriage penalty & other practical concerns

^ While pension and SS are sacrificed, one can certainly at the least create a living trust or will and designate the partner as the recipient. You can also designate the recipient for your 401K and such accounts, as well as your life insurance. Certainly, and I would encourage anyone going this ro...
by TSR
Tue Dec 30, 2014 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Engaged - marriage penalty & other practical concerns
Replies: 50
Views: 4276

Re: Engaged - marriage penalty & other practical concerns

(snip)As others have said, the vast majority of benefits to being married come around health issues or death, which aren't a big concern to young couples since you can always get married officially later if the practical benefits later outweigh the financial ones (either because your financial situ...
by TSR
Mon Dec 29, 2014 2:46 pm
Forum: Personal Consumer Issues
Topic: Do any other men here regulalry use skin care products?
Replies: 45
Views: 3914

Re: Do any other men here regulalry use skin care products?

Once upon a time, my then girlfriend (who is now my DW) bought me some specialty skin care stuff. I'm prone to eczema and most regularly available lotions , shaving gear and stuff contain junk that irritates rather than soothes, and so she pushed me to try some seemingly better made stuff. Turns ou...
by TSR
Thu Dec 11, 2014 3:01 pm
Forum: Investing - Theory, News & General
Topic: 'Might Jack Bogle Be Wrong for a Change?' [Int'l holdings]
Replies: 49
Views: 4534

Re: 'Might Vanguard Founder Jack Bogle Be Wrong for a Change

Here's where he first defines it: http://pragcap.com/is-the-global-financial-asset-portfolio-the-perfect-indexing-strategy So, there is a paper written in early 2014 that may not even have been published yes--it says "forthcoming"--and a statement that "The GFAP has performed extreme...
by TSR
Thu Dec 11, 2014 11:58 am
Forum: Personal Consumer Issues
Topic: Buying a casket
Replies: 19
Views: 2507

Re: Buying a casket

Thanks for the replies and suggestions. We accompanied our family to the funeral home to discuss options. The least expensive option at the funeral home was $1700 for a reasonably nice-looking metal casket (no gaskets, etc.). The very similar model on the Costco website was $950 and actually appear...
by TSR
Wed Dec 10, 2014 3:09 pm
Forum: Personal Consumer Issues
Topic: Instruments and kids
Replies: 31
Views: 2006

Re: Instruments and kids

I don't have kids, but in my personal opinion, if you're gonna go down the instrument route, have them learn piano or guitar. You can play lots of popular music on these, which may be useful in social situations. For social situations portability is useful. I recall impromptu caroling and square da...
by TSR
Wed Dec 10, 2014 11:43 am
Forum: Personal Consumer Issues
Topic: Instruments and kids
Replies: 31
Views: 2006

Re: Instruments and kids

I don't have kids, but in my personal opinion, if you're gonna go down the instrument route, have them learn piano or guitar. You can play lots of popular music on these, which may be useful in social situations. I agree with this, not just for the social situations, but also because it is importan...
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: 5198

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
Tue Nov 18, 2014 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 10801

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
Mon Nov 17, 2014 3:52 pm
Forum: Personal Consumer Issues
Topic: Waitress giving me discount - ethical question
Replies: 62
Views: 9446

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
Fri Nov 14, 2014 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Save for down payment w/Roth TSP?
Replies: 11
Views: 895

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 10:53 am
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 8291

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
Thu Nov 13, 2014 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Whole Life Insurance vs. 401k Contributions
Replies: 59
Views: 9709

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 ...

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