Search found 608 matches

by MoonOrb
Wed Dec 07, 2016 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in a Decade after Graduation
Replies: 54
Views: 3752

Re: Retiring in a Decade after Graduation

I think the answer to your question is in two parts, which are basically: 1. Live in a frugal way that is uncomfortable for most folks but tolerable for you and commit to living that way post-retirement; 2. Take on way more risk than typical Bogleheads are comfortable with. If I wanted to accomplish...
by MoonOrb
Sat Dec 03, 2016 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move in order to save on taxes?
Replies: 21
Views: 2054

Re: Should I move in order to save on taxes?

This doesn't make sense to me, either? Amount you pay in tax is just one factor in cost of living; cost of living is just one factor in how you choose where to live. My own personal decision making criteria for this type of thing are more like: What are the employment prospects for me/spouse? Do I l...
by MoonOrb
Sat Dec 03, 2016 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage?
Replies: 107
Views: 6945

Re: Pay off mortgage?

Not enough in the OP to say whether this is the best move or not. But, like in nearly all of the approximately 1,308,494 threads on this question, it's a close enough call that if you want to pay off your mortgage, that's a totally reasonable thing to do. It's also a totally reasonable thing to do i...
by MoonOrb
Sat Dec 03, 2016 3:00 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 126
Views: 5441

Re: What percentage of international do you hold?

21.2% of total portfolio; 30.7% of equities.
by MoonOrb
Sat Dec 03, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 31
Views: 2778

Re: Buy iPhone 7 or Wait for iPhone 8

I have a 5s that I'm still very happy with and I'm putting off upgrading as long as possible since my phone still works fine.

Overall, my replacement plan would be, if possible, to wait until after the iPhone 8 is put out there and then see if there's an iPhone 6s or 7s to be had at a cheap price.
by MoonOrb
Sat Nov 26, 2016 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in the 80's when CD rates were 17%?
Replies: 74
Views: 6597

Re: Investing in the 80's when CD rates were 17%?

I can see that working out well, though, for wage earners who are used to living well below their means and doubly so for people who have some or all of the following: good health, paid off cars, and a paid off home/fixed rate mortgage. For wage earners, there's a sort of arbitrage involved if there...
by MoonOrb
Wed Nov 23, 2016 1:18 pm
Forum: Personal Consumer Issues
Topic: Is U District a good option for renting an apartment in Seattle?
Replies: 10
Views: 1204

Re: Is U District a good option for renting an apartment in Seattle?

I live in the U-District. Send me a PM if you want to know more about it. We've lived in the U-District since 2010. Some pros: -We can walk to the supermarket, the gym, the library, the post office, the UW, restaurants, bookstores, movie theatres, the place we take our cars for service, one regular ...
by MoonOrb
Wed Nov 23, 2016 12:07 pm
Forum: Personal Consumer Issues
Topic: Citi Amex Costco credit card problems.....
Replies: 23
Views: 2519

Re: Citi Amex Costco credit card problems.....

I solved a similar problem with my Costco CitiBank card by (1) calling customer service and having them take off the undeserved fees and (2) canceling my Costco CitiBank card. I had a Costco Amex card for years and had zero problems; I had the CitiBank card for about 6 weeks and had 2 or 3. They mad...
by MoonOrb
Wed Nov 23, 2016 12:03 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 183
Views: 14214

Re: Retreat to cash

Market timing is not my question. Nor is the question of whether the new government will prove good or bad for the US markets. Nor is portfolio balancing. (Tax implications of a large sell was an interesting point!) Ah. Well, this isn't really a gathering place of folks who invest based on speculat...
by MoonOrb
Tue Nov 22, 2016 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: When is the best time to get into Bond Market?
Replies: 30
Views: 3318

Re: When is the best time to get into Bond Market?

I came here to say it's always a good time if having bond funds is consistent with your overall investment plan and risk tolerance.
by MoonOrb
Tue Nov 22, 2016 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 7689

Re: Do you track your net worth? How long have you done so?

I started tracking just in March, 2013. It was an outgrowth of a spreadsheet I made for the purposes of rebalancing. March 2013 was when I got serious about consolidating investments, making an ISP, and rebalancing. Prior to that I just lived within my means, bought and held, and knew I had some ass...
by MoonOrb
Tue Nov 22, 2016 11:50 am
Forum: Personal Consumer Issues
Topic: Poker Training Software
Replies: 30
Views: 2393

Re: Poker Training Software

Any other 2p2ers want to out themselves here? (Micro Limit FTW!). Also, yes, the free money games are just abysmal. But they're free, and you can play a few hundred hands in a short amount of time. I'm just going on my own experience here, but you pick up a lot very quickly if it's paired with readi...
by MoonOrb
Mon Nov 21, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: Poker Training Software
Replies: 30
Views: 2393

Re: Poker Training Software

The twoplustwo poker forums are the go-to place for this, as mentioned up-thread. Instead of training software, can you play live (fake cash) games on Poker Stars? I did this when I was learning to play. I see you don't want anything to do with online gambling, so this is possibly out, but I'm liter...
by MoonOrb
Fri Feb 12, 2016 2:51 pm
Forum: Personal Consumer Issues
Topic: First time to Japan Travel. Advice?
Replies: 24
Views: 2559

Re: First time to Japan Travel. Advice?

We've been to Japan twice in the last 3 or 4 years and didn't book anything through tour groups. We used Kayak for most of our accommodations. When we got to Narita we purchased return tickets on the Narita Express and used this to get to Tokyo and back. The trip is about an hour by train. I think w...
by MoonOrb
Sat Jan 09, 2016 2:10 pm
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 196
Views: 24469

Re: The Big Short

The Big Short would make such a great pairing with Inside Job and Margin Call, which I thought were also superior films (documentary and fictionalized) about the financial crisis. Watching the real estate market run up again and seeing some smaller regional banks merge, I'm starting to get the feeli...
by MoonOrb
Sat Jan 02, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: 2016 Goal Setting Thread
Replies: 1
Views: 297

2016 Goal Setting Thread

Hi everyone, Do you have goals for 2016? Publicly commit to them here; check in with updates on whatever schedule suits your needs (weekly, monthly, quarterly, etc.); compare your goals with those of other Bogleheads; and offer support, resources, and encouragement! I'll start: In 2016, three of my ...
by MoonOrb
Fri Jan 01, 2016 11:35 pm
Forum: Personal Consumer Issues
Topic: How to learn a second language
Replies: 103
Views: 10418

Re: How to learn a second language

I've been thinking about this thread as I renew my efforts to learn French, and I've decided that my goal for fluency is to be about as fluent as a 6 year old. Not a huge vocabulary, not a sophisticated vocabulary, a very limited ability to talk about specialized or abstract things, but the ability ...
by MoonOrb
Tue Dec 29, 2015 12:36 pm
Forum: Personal Consumer Issues
Topic: Which other 'must-read' websites and blogs do YOU read?
Replies: 42
Views: 7009

Re: Which other 'must-read' websites and blogs do YOU read?

fangraphs.com (baseball)
metafilter.com (general interest, but excellent and well-moderated)
by MoonOrb
Sat Dec 26, 2015 11:39 pm
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 196
Views: 24469

Re: The Big Short

I loved the book and enjoyed the movie. Steve Carrell and Christian Bale especially were terrific. Great comedy-as-truth moments with the idiot mortgage brokers in Florida and some of the Wall Street investment guys, too.
by MoonOrb
Fri Dec 25, 2015 12:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You
Replies: 60
Views: 5909

Re: My Christmas Gift to You

Taylor, it is such a pleasure to have you as such a visible part of this community.
-MO
by MoonOrb
Mon Dec 21, 2015 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: mortage vs saving - what would you do?
Replies: 18
Views: 2082

Re: mortage vs saving - what would you do?

I contribute to taxable investments instead of paying down a mortgage at the same interest rate as yours. I value the peace of mind of liquidity of having a taxable account more than the peace of mind of not having a mortgage. I also expect that my net worth will be higher at the end of my mortgage ...
by MoonOrb
Fri Dec 18, 2015 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Seattle-what can we really afford?
Replies: 42
Views: 4361

Re: Seattle-what can we really afford?

As tight as the rental market is I'm also jumping onboard the "rent before you make any decision" train here. A ferry commute from Bainbridge every day would be soulsucking and kill me. Everyone I know that did the ferry commute got up at like 445 or something. Maybe it's six and one half ...
by MoonOrb
Fri Dec 18, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: Bogleheads: Share how you like to vacation
Replies: 113
Views: 10850

Re: Bogleheads: Share how you like to vacation

We are systematically visiting every US National Park--trying to see at least 1 and hopefully more every year. This year we've seen our 40th together. Planning for the remaining 19 will be more difficult and often expensive. My (tongue in cheek) nightmare is that a month before we check off our last...
by MoonOrb
Thu Dec 17, 2015 11:43 am
Forum: Personal Finance (Not Investing)
Topic: No Foreign Transaction Fee, No Annual Fee
Replies: 61
Views: 141620

Re: No Foreign Transaction Fee, No Annual Fee

I use a State Department Federal Credit Union VISA when traveling internationally. There's no annual fee and no foreign exchange fee. It also has a chip and you can use your PIN. When I was in London recently, I tried using my AMEX, a CapitalOne VISA and my SDFCU VISA all within a couple of hours o...
by MoonOrb
Mon Dec 14, 2015 11:09 pm
Forum: Personal Consumer Issues
Topic: How to learn a second language
Replies: 103
Views: 10418

Re: How to learn a second language

MoonOrb What signposts have you set for yourself along the way of this long journey? Have you quantified end results by certain points of time. For myself, I think it could be totally valid to have it as a life long journey. It might be a lifelong journey for me, too. I am tentatively planning a tr...
by MoonOrb
Mon Dec 14, 2015 4:15 pm
Forum: Personal Consumer Issues
Topic: How to learn a second language
Replies: 103
Views: 10418

Re: How to learn a second language

It's been mentioned upthread, but "Fluent Forever" might be for you. Check out his website: https://fluent-forever.com/ You seem to be approaching this in a thoughtful and systematic way, and the FF book is exactly about this type of thoughtful and systematic approach to language learning....
by MoonOrb
Mon Dec 14, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: How to learn a second language
Replies: 103
Views: 10418

Re: How to learn a second language

Yes, although I might be using the term "graphic novel" a little loosely? But I've picked up a number of things that are bound in hardcover, some in soft cover, and they're much thicker and longer than what I normally think of as a comic book. Some of them simply might be compendiums of ma...
by MoonOrb
Sun Dec 13, 2015 10:16 pm
Forum: Personal Consumer Issues
Topic: How to learn a second language
Replies: 103
Views: 10418

Re: How to learn a second language

I haunt used bookstores (especially Half Price Books, if you have one of those in your area) for French comics and graphic novels.
by MoonOrb
Fri Dec 11, 2015 7:09 pm
Forum: Personal Consumer Issues
Topic: New Laptop -- Christmas present for me
Replies: 53
Views: 5726

Re: New Laptop -- Christmas present for me

Yes, I came in here to say consider a 13" MacBook Pro with a Retina display. I'm typing from one now. If you want to go another way that's understandable, but it's superior to any computer I've ever used, for work or for personal use. It's not even close. This is a magnificent product. All of m...
by MoonOrb
Wed Dec 09, 2015 1:25 am
Forum: Personal Consumer Issues
Topic: How to learn a second language
Replies: 103
Views: 10418

Re: How to learn a second language

I read Fluent Forever about this time last year and I'd recommend it. I did not have any previous French language schooling and after about 7 months of studying a little bit every day brought myself up to probably the level of fluency I might have had if I had taken a year or so of it in the classro...
by MoonOrb
Sun Nov 22, 2015 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for Small Law Survivor
Replies: 61
Views: 9228

Re: Advice for Small Law Survivor

I'm a lawyer--I left the law firm about a year a half ago, and I'm very happy. Some ideas for you: 1. What options are there for you to continue at your current firm that reduce much of the things you hate about it and maximize the things you like about it? The answer to this might be "none,&qu...
by MoonOrb
Thu Nov 19, 2015 10:31 pm
Forum: Investing - Theory, News & General
Topic: Wouldn't it be a great idea to buy Norfolk Southern now??!!
Replies: 16
Views: 2339

Re: Wouldn't it be a great idea to buy Norfolk Southern now??!!

Whenever I think about Norfolk Southern I think about a morning radio sketch from WDVE in Pittsburgh that talked about Norfolk & Waypal messenger service.
by MoonOrb
Wed Jun 24, 2015 11:39 pm
Forum: Personal Consumer Issues
Topic: Colorado Vacation suggestions
Replies: 53
Views: 6564

Re: Colorado Vacation suggestions

Western Colorado especially has cool stuff that is more off of the beaten path. If you like small towns, you could head south from I-70 at Grand Junction (and see the Colorado National Monument), pass through Delta and then stop off in Montrose to venture into Black Canyon of the Gunnison National P...
by MoonOrb
Thu Jun 18, 2015 12:35 am
Forum: Personal Consumer Issues
Topic: Your Top 10 Bands and Top 10 Movies
Replies: 30
Views: 4648

Re: Your Top 10 Bands and Top 10 Movies

Bands: The Pogues, Bruce Springsteen and the E Street Band, Carbon Leaf, Bruce Hornsby & The Range, The Beatles, The Rolling Stones, U2, Elvis Costello, The Clash, Pearl Jam. Movies: Die Hard, Miller's Crossing, Groundhog Day, My Cousin Vinny, Casablanca, National Lampoon's Christmas Vacation, F...
by MoonOrb
Fri May 29, 2015 11:16 pm
Forum: Investing - Theory, News & General
Topic: This time is different
Replies: 44
Views: 5426

Re: This time is different

As for what I'm planning on doing, I'm planning on living beneath my means, making thoughtful choices about my health and fitness and career, and staying the course in my investments, rebalancing as necessary to keep with the asset allocation I've chosen. That, to me, is a better plan than gambling ...
by MoonOrb
Tue Apr 28, 2015 12:35 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512269

Re: What Movie Have You Recently Watched?

Ex Machina on friday in the theaters - great movie ! In a similar genre, Automata at home yesterday on Blu-ray. Apparently this movie never made it to theaters - a shame. I liked Automata and thought it was a good companion piece to Ex Machina. Not nearly as good of course but thematically well-mat...
by MoonOrb
Sun Apr 26, 2015 12:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512269

Re: What Movie Have You Recently Watched?

Child 44. I had read and enjoyed the novel and the movie was just okay. Entertaining enough but the plot seemed kind of messy and confusing, like the movie tried to include too much of the book in it and would have been better off telling a simpler story. I'm beginning to really like Tom Hardy as an...
by MoonOrb
Tue Apr 21, 2015 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Wife would like employment advice from the Bogleheads
Replies: 31
Views: 4092

Re: Wife would like employment advice from the Bogleheads

She should flip a coin. If she is hoping it lands one way or the other, she'll know the answer. All things being equal, the VA job is better. But things are never equal, and the most important thing, the one that we have no idea about and only your wife knows the answer to is: how is she treated at ...
by MoonOrb
Tue Apr 21, 2015 9:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512269

Re: What Movie Have You Recently Watched?

Have those criticizing the Gone Girl movie read the Gone Girl book? I read the book when it first came out. I didn't think it was as good as her first two books. More than that, I was kind of surprised to hear that they were going to make a movie out of the book, since I couldn't see how the book, ...
by MoonOrb
Mon Apr 20, 2015 8:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512269

Re: What Movie Have You Recently Watched?

I was intrigued for about 20 minutes and then felt it went on interminably and it was a mishmash of insider Hollywood/Broadway stuff that some normal jerk like me wouldn't (and didn't, as it turns out) appreciate. The fancy camera work was a great gimmick for a while and I think I would have loved t...
by MoonOrb
Sun Apr 19, 2015 5:06 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512269

Re: What Movie Have You Recently Watched?

I may be being unfair, but I am skeptical about the scene in which they break the Enigma code and discover that the Germans are about to attack a ship that a team member's brother is stationed on. That kind of gets to the heart of one of the things that made it an enjoyable, but just okay, movie fo...
by MoonOrb
Sat Apr 18, 2015 10:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512269

Re: What Movie Have You Recently Watched?

Ex Machina.

Wow! Terrific. Imagine I'll see it again. Isaac Oscar is fantastic. Fun companion movies to this might include things (in order from most to least obvious) like Blade Runner, Her, Automata, The Terminator, Solaris, and Lars and the Real Girl.
by MoonOrb
Thu Apr 16, 2015 12:30 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 435
Views: 179839

Re: TV show recommendations?

On other series-related topics, I just watched season one of "Turn," the AMC Revolutionary War spy drama, and it was pretty meh. It wasn't terrible but it wasn't that terrific either and I think it suffered from trying to incorporate too many actual historical figures (Robert Rogers, Capt ...
by MoonOrb
Thu Apr 16, 2015 12:25 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 435
Views: 179839

Re: TV show recommendations?

I bingewatched the first two seasons and part of a third and quickly tired of what I can only describe as excessive Sorkin-ism. But I will say this for the West Wing: if you can survive the Sorkin-ism and enjoy it, you will LOVE it, because it has many really great elements. And if you can't, you'll...
by MoonOrb
Sun Apr 12, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512269

Re: What Movie Have You Recently Watched?

Redbox selections from yesterday, one interesting, one entirely forgettable: Dear White People: This movie wasn't perfect but I'll be thinking about it for a while. I thought it succeeded in highlighting some of the complexities of race issues for even those people who are by many measures quite adv...
by MoonOrb
Sat Apr 11, 2015 8:53 pm
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn: Prepay your mortgage
Replies: 31
Views: 4485

Re: Jane Bryant Quinn: Prepay your mortgage

I think that probably overstates the value of the mortgage interest deduction. Yes, you can deduct it, but you already get a deduction anyway when you take the standard deduction, so the actual value of the mortgage interest deduction is the marginal difference between what you could deduct if you c...
by MoonOrb
Sat Apr 11, 2015 7:14 pm
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn: Prepay your mortgage
Replies: 31
Views: 4485

Re: Jane Bryant Quinn: Prepay your mortgage

The article doesn't really address the "why" someone should do this and focuses a lot more on the "how," and just sort of presumes that paying it off is the obvious best choice. The assumption that it looks like underlies the article is that the target audience does not have a l...
by MoonOrb
Sat Apr 11, 2015 4:06 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512269

Re: What Movie Have You Recently Watched?

Man, my tastes are out of step with the majority here! :D Recent cinema selections: Kingsman (hilarious! Samuel L Jackson has never been funnier and Colin Firth was super enjoyable in his role too) and What We Do In the Shadows. What We Do In the Shadows was a riot, and I could not stop giggling the...
by MoonOrb
Sat Apr 11, 2015 3:36 pm
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn: Prepay your mortgage
Replies: 31
Views: 4485

Re: Jane Bryant Quinn: Prepay your mortgage

That raises a question for me, something I don't understand about HELOCs. What would happen in the event of some kind of financial catastrophe, the kind that would necessitate you having the need to draw on the HELOC? Is the lender compelled to offer it to no matter what? Are there circumstances whe...

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