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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
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: 168
Views: 11117

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
Fri Feb 20, 2015 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Music / Song Help
Replies: 52
Views: 2243

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
Sat Feb 14, 2015 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Graduating law student portfolio and loan questions
Replies: 32
Views: 2561

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
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: 165
Views: 9199

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
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: 478

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
Thu Feb 05, 2015 2:35 pm
 
Forum: Investing - Theory, News & General
Topic: Milestone >$100k in my retirement investment portfolio
Replies: 30
Views: 3109

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
Tue Jan 13, 2015 11:24 am
 
Forum: Personal Consumer Issues
Topic: Best albums from 2014?
Replies: 63
Views: 5573

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
Thu Jan 08, 2015 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Customers, What Do You Hold at FIDO?
Replies: 43
Views: 4107

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 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Engaged - marriage penalty & other practical concerns
Replies: 50
Views: 3913

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
Tue Dec 30, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Engaged - marriage penalty & other practical concerns
Replies: 50
Views: 3913

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
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: 3625

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 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: 'Might Jack Bogle Be Wrong for a Change?' [Int'l holdings]
Replies: 49
Views: 4362

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
Thu Dec 11, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Buying a casket
Replies: 19
Views: 2418

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 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Instruments and kids
Replies: 31
Views: 1963

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
Wed Dec 10, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Instruments and kids
Replies: 31
Views: 1963

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: 5148

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: 10610

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: 9092

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: 837

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: 65
Views: 7852

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: 9634

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: 2149

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: 32626

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: 32626

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: 32626

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: 7671

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: 4862

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: 1452

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: 4862

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: 4862

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: 1169

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: 4327

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: 3273

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: 3273

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: 5729

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: 5729

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: 2706

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: 4301

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: 1177

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: 2528

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: 31104

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: 3650

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: 4235

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: 591

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: 591

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: 661

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: 147
Views: 13623

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: 3780

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: 2247

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: 8487
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