Search found 474 matches

by TSR
Tue May 17, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: Any bad experiences with Brooklyn Bedding mattress?
Replies: 31
Views: 1787

Re: Any bad experiences with Brooklyn Bedding mattress?

This thread got away from me -- apologies for not thanking everyone for their replies! (Thank you!) I went ahead and ordered a "medium." The quality is great. The firmness is, well, firm. I can't imagine what a firm is like if this is the "medium." There is very little sinking in...
by TSR
Fri May 13, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: How much pay cut would you tolerate moving from private industry to federal government
Replies: 23
Views: 1642

Re: How much pay cut would you tolerate moving from private industry to federal government

I took a cut of approximately 33% -- my math could be off. Best decision I ever made. Going from a "face-time" worth ethic in a law firm where everyone competes to show how long they can stay in the office to a 9-5 job where I know what my life is going to look like from one month to the n...
by TSR
Fri May 06, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Any bad experiences with Brooklyn Bedding mattress?
Replies: 31
Views: 1787

Re: Any bad experiences with Brooklyn Bedding mattress?

If you look on their facebook page you can get the 5%of and free pillows promo code emailed to you. I believe it said it was good until June 30th. They have this promotion on their website as well. Somewhat oddly, you don't get to choose the color of the sheets or the firmness of the pillow (it's j...
by TSR
Thu May 05, 2016 4:30 pm
Forum: Personal Consumer Issues
Topic: Any bad experiences with Brooklyn Bedding mattress?
Replies: 31
Views: 1787

Re: Any bad experiences with Brooklyn Bedding mattress?

Probably saw my post in the recent thread. Been on a medium Best Mattress Ever since October and really like it. I'm a side sleeper and the medium is just right, any firmer and it might cause pressure points. I prefer firmer beds and a soft bed at a hotel is a guaranteed sore lower back for me. It ...
by TSR
Thu May 05, 2016 4:23 pm
Forum: Personal Consumer Issues
Topic: Any bad experiences with Brooklyn Bedding mattress?
Replies: 31
Views: 1787

Re: Any bad experiences with Brooklyn Bedding mattress?

We just returned a Brooklyn Bedding mattress. The bed itself was very comfortable to sleep in. However, there is almost no support on the side of the bed. It is very different than our traditional spring mattress. I didn't mind too much, but my wife always felt like anytime she would roll over that...
by TSR
Thu May 05, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: Any bad experiences with Brooklyn Bedding mattress?
Replies: 31
Views: 1787

Re: Any bad experiences with Brooklyn Bedding mattress?

I'm in the same boat as you. I am leaning towards Brooklyn Bedding for my next bed. I havent seen one report where they wouldn't refund your money on the first bed in you werent happy. The only issue I see is if you send the first one back and instead of getting your money back you exchange for a d...
by TSR
Thu May 05, 2016 2:13 pm
Forum: Personal Consumer Issues
Topic: Any bad experiences with Brooklyn Bedding mattress?
Replies: 31
Views: 1787

Any bad experiences with Brooklyn Bedding mattress?

Folks, I'm in the market for a new mattress. After reading themattressunderground and other sites, as well as all recent mattress posts on this site, I think I'm settled on the Brooklyn Bedding mattress. I also think I'm settled on the medium firmness (I am a side sleeper, but I have lower back prob...
by TSR
Mon Apr 25, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Reel Lawn Mower
Replies: 14
Views: 1226

Re: Reel Lawn Mower

Everyone makes good points, but one issue hasn't been addressed: how many and what kind of trees are there above the lawn? Twigs and small sticks are the true downfall of the reel mower, so consider that before taking the plunge. FWIW, I am somewhat of a fan, and I used a Scott's 20-inch that I boug...
by TSR
Fri Apr 22, 2016 10:01 am
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 7612

Re: Law School Advice

Maybe it would be helpful to the original poster if you all can post about what type of law you practice? My practice area is Labor and Employment with a fair amount of M&A work. It is a stressful job but relatively financially rewarding. I started at BigLaw for 3 years, moved to another firm t...
by TSR
Thu Apr 21, 2016 4:05 pm
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 7612

Re: Law School Advice

Reblawstudent - I completely agree with the advice of AZAttorney11. For what it is worth, I think it is important to try to keep debt to a minimum as many people find the actual practice of law to be far different from what they imagined. I have a lot of friends and former colleagues that leave the...
by TSR
Tue Apr 19, 2016 1:51 pm
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 7612

Re: Law School Advice

Vanderbilt is a great school and is well regarded. It simply does NOT open every door like a top 10 school might (really, top 5), unless she is definitely going to be in the top 10% of her class there. True. Graduating at the 50th percentile from Vanderbilt will probably not open many doors to good...
by TSR
Tue Apr 19, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 7612

Re: Law School Advice

I was in a somewhat similar situation, though my law school was ranked around 40 in the country -- not great, not terrible (I agree with a poster above who said that the difference between that and somewhere ranked 70 is pretty minimal). A few pieces of advice: 1. Region matters a lot in law school,...
by TSR
Thu Apr 07, 2016 3:03 pm
Forum: Personal Consumer Issues
Topic: I'm Addicted [to investing and personal finance]
Replies: 64
Views: 8816

Re: I'm Addicted

I'm with you. I spend way too much time on this stuff, and no, I don't delude myself into thinking that I get any great marginal utility from each extra minute. It's just interesting. More interesting than work sometimes. ;)
by TSR
Mon Apr 04, 2016 3:08 pm
Forum: Investing - Theory, News & General
Topic: Things I'm Pretty Sure About
Replies: 22
Views: 4283

Re: Things I'm Pretty Sure About

I found the article trite and indicative of a typical young mindset. You will likely disagree with a few assertions from other of his articles: "The first generation who grew up with the Internet is just now entering the workforce. They're capable of things the older generation can't fathom.&q...
by TSR
Mon Mar 28, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Calls about (non-existent) structured settlement
Replies: 2
Views: 235

Re: Calls about (non-existent) structured settlement

Do they have your name? I wonder if your cell number once belonged to someone that did have a structured settlement. Or perhaps some data entry was not entered in their records properly. Ask for a new cell number. Have you looked for any unclaimed assets/money for yourself? Here is a link to begin:...
by TSR
Mon Mar 28, 2016 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Calls about (non-existent) structured settlement
Replies: 2
Views: 235

Calls about (non-existent) structured settlement

So I keep getting calls (on my cell phone) and letters from people offering to buy out or otherwise monetize a structured settlement. Thing is, I don't have a structured settlement. When I do pick up the phone, I tell them I don't have a structured settlement, and they are always very disappointed a...
by TSR
Mon Mar 28, 2016 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Your first $100k
Replies: 52
Views: 8196

Re: Your first $100k

I don't know exactly, but it was around 30 and then $200k was only a couple of years after that (recent bull market helped). The most important data point for your question is this: you're doing great. Keep it up!
by TSR
Thu Mar 24, 2016 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance...Do I need to worry about retirement?
Replies: 69
Views: 8924

Re: Large Inheritance...Do I need to worry about retirement?

Don't forget about the creditor protection offered by a 401k and (to a slightly lesser degree) a Roth -- a lot of people come after someone with $5 million. I agree that you are in a great position for retirement, but, given that it's now painless, I don't see why you wouldn't convert some of that m...
by TSR
Wed Mar 23, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 3260

Re: How to get rid of poison ivy

Very allergic here. I agree on the following: -Round-up (for young plants) -Technu (always in stock at my house) -Hire someone else A few other comments. Get the heavy-duty plastic gloves from the hardware store -- not just the dishwasher grade stuff. Get a hat. Get goggles. Most importantly, once y...
by TSR
Thu Mar 17, 2016 3:20 pm
Forum: Personal Consumer Issues
Topic: Tub Cleaning Issue - Soap Scum
Replies: 23
Views: 2801

Re: Tub Cleaning Issue - Soap Scum

If you have extreme soap scum on a fiberglass tub, you might consider what is undoubtedly an extreme solution: oven cleaner. Google search "cleaning soap scum with oven cleaner" and you'll find about a thousand different descriptions of it. I've done this once and it worked well. It's obvi...
by TSR
Tue Mar 15, 2016 9:09 am
Forum: Investing - Help with Personal Investments
Topic: How to convince high NW father to dump his financial advisor?
Replies: 69
Views: 6805

Re: How to convince high NW father to dump his financial advisor?

Not much advice here other than to say that I'm in a similar position with my dad. He just trusts his advisor -- the guy made some good (and conservative) calls that really helped my dad out once upon a time. I have resigned myself to recognizing that the arrangement might not be ideal, but it's ok....
by TSR
Mon Mar 14, 2016 5:03 pm
Forum: Investing - Theory, News & General
Topic: Late Starters
Replies: 61
Views: 5508

Re: Late Starters

I'll just chime in here to respond to a few comments and say that I strongly object to the notion that "saving" is the same as having a "positive net worth," or the converse suggestion that you haven't started saving if you have a negative net worth. I started saving aggressively...
by TSR
Fri Mar 11, 2016 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off student loan or invest
Replies: 32
Views: 2420

Re: Pay off student loan or invest

My typical answer is "both" (which is how I paid off my loans), but the typical version of this question is about tax-advantaged investing, not taxable. Assuming you've got your 401k fully funded, then I'd go with paying off the student loans. 4% is a pretty darn good return these days, an...
by TSR
Tue Mar 01, 2016 12:54 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads' Rule of Thumb - Stocks vs Bonds
Replies: 74
Views: 6795

Re: Bogleheads' Rule of Thumb - Stocks vs Bonds

I have found that "age minus 10" in bonds is a pretty close rule of thumb for my risk tolerance.
by TSR
Wed Feb 24, 2016 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Frustrated wtih how boring personal finance is
Replies: 40
Views: 4325

Re: Frustrated wtih how boring personal finance is

I think what we're all talking about on this site is a mild (and healthy) obsessiveness -- a desire to control those things in life that we can control. In my life, I'm really good at the financial stuff, but it is one of the few areas of my life where I feel like I have real agency. My guess is tha...
by TSR
Tue Feb 23, 2016 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 12588

Re: Mr Money Mustache Article (New Yorker)

I too was led to this forum by way of MMM, and I'm glad for it. I never completely bought in to MMM's ideas, and I've benefitted much more from my time on these boards, but he was a good source of inspiration when I was first trying to get my financial house in order. I hope he keeps inspiring peopl...
by TSR
Fri Feb 19, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 17874

Re: What video games are you currently playing?

Anyone playing The Witness? It's really fascinating. I'm about 90% of the way through and am reaching the point where I can't get any traction on the last few puzzles. Really lovely game though.
by TSR
Thu Feb 18, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6660

Re: Contacted by three heir locators

There are also companies that "find" lost property (presumably by using publicly available and free lost-property websites), then contact the owners of that lost property and offer to recover it for a 15% fee. They are "reputable" in that they do the service they offer, and they ...
by TSR
Wed Feb 10, 2016 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Could someone educate me on Thrift Savings Plans and suggest different fund allocations?
Replies: 24
Views: 1533

Re: Could someone educate me on Thrift Savings Plans and suggest different fund allocations?

I agree with the L2050 fund. I am a little older and am 100% in L2040. They are great funds and very, very simple. I'd also recommend watching this video series, which was very educational for me:

https://www.bogleheads.org/wiki/Video:B ... philosophy
by TSR
Wed Feb 10, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: What is your opinion on the Federal goverment retirement plan?
Replies: 57
Views: 4999

Re: What is your opinion on the Federal goverment retirement plan?

I'm a new(ish) federal employee with only 5-6 years under my belt. Like a few posters above, I'm somewhat confused by the FERS pension calculations, and like other Gen-X/Gen-Y folks (age 37 -- where does that put me?), I'm suspicious of retirement promises, even backed by the full faith and credit o...
by TSR
Tue Feb 09, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: Planning a High-Value Wedding Regardless of Cost
Replies: 55
Views: 3319

Re: Planning a High-Value Wedding Regardless of Cost

A good friend of mine loves fashion but hated the idea of paying for a high-end wedding dress. She went to the Nordstrom website and shopped from the "fancy dresses" section (that's probably not what it's called) instead of the "bridal" section. This had a few benefits. First, th...
by TSR
Fri Jan 29, 2016 5:42 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 11152

Re: What is your favorite Financial Quote or Metaphor??

One that I first read here and have used a number of times since then is:

"You can shear the sheep many times, but you can only slaughter it once."
by TSR
Mon Jan 25, 2016 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 9987

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

ponyboy wrote:Shes 29 years old and you had her in 20% bonds? Thats an issue in of itself.

Also...sounds like FIL is a helicopter parent. Good luck.


What's the issue? "Age minus 10" is pretty standard advice around here. Do you think this is too aggressive or too conservative, and why?
by TSR
Wed Jan 20, 2016 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me decide if buying my first house is smart financially?
Replies: 29
Views: 2468

Re: Please help me decide if buying my first house is smart financially?

Original poster here, here's my response to all the posts in this thread. 1) To the people who say "wait until you're married" my SO right now is looking with me and would help me make a decision on a house now, as in, it would be a comfortable house that she could live in as well. She's ...
by TSR
Tue Jan 19, 2016 11:05 am
Forum: Personal Consumer Issues
Topic: How do you use your Chase Freedom rewards?
Replies: 35
Views: 4013

Re: How do you use your Chase Freedom rewards?

I just use my card; I don't churn cards or collect points. (No judgment on those who do -- I just don't have the time, interest, and/or knowledge to do it.) For me I just wait until I get $50 or so on there and apply it to my statement to reduce my bill. Easy, fast, uncomplicated. I used to let it a...
by TSR
Fri Jan 15, 2016 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Advice for new GEHA HSA user
Replies: 4
Views: 431

Re: Advice for new GEHA HSA user

Your HSA will have an account and a routing number. It is not the same as the debit card number. You should be able to use your agency's LES system to add an HSA deduction amount from your paycheck to that account and routing number. I did it for HSA Bank. The deduction straight from your paycheck ...
by TSR
Thu Jan 14, 2016 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for new GEHA HSA user
Replies: 4
Views: 431

Re: Advice for new GEHA HSA user

Thanks for the post TSR! I am also a new GEHA HSA user. I just received a HSA bank debit card and their privacy policy but not much else. I am a retiree. I would like to know how to send funds into the account. I would like to know if the debit card number is my account number. I would like to know...
by TSR
Thu Jan 14, 2016 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for new GEHA HSA user
Replies: 4
Views: 431

Advice for new GEHA HSA user

Hey folks, I'm a federal employee and I just started using the GEHA HDHP plan with an HSA. It's my first HSA. I would love your advice on what you wished you knew when you started one of these. I find the information that they have sent me to be totally opaque regarding set-up and use of my account ...
by TSR
Tue Jan 12, 2016 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Large student loan balance - extra payments vs. investing
Replies: 17
Views: 1559

Re: Large student loan balance - extra payments vs. investing

I understand you to be saying that you are already maxing out your 401k and your Roth (is your income not too high for this?), which I think is great. I'm a big fan of the "both" approach to student loans and investing, and it has served me very well. Accordingly, I disagree with some of t...
by TSR
Wed Jan 06, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: profitable hobby?
Replies: 119
Views: 11898

Re: profitable hobby?

I am an outdoorsman... enjoy hunting, fishing, gardening, etc... Each year in the fall, I hunt Ginseng. Season opens Sept 1 here in TN. You collect the roots off mature plants, wash and dry them, and sell to a registered dealer later on (usually around Thanksgiving). The price varies by year and ma...
by TSR
Wed Jan 06, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 185
Views: 16636

Re: Netflix, Your Current Favorite Show

Surprised not to have seen Master of None on this list. That's one of my favorite shows of the past year. Well worth a look, and worth sticking with after the first few episodes. I also enjoyed Jessica Jones and Making of a Murderer. If you need to get your money's worth, check out Bob's Burgers -- ...
by TSR
Tue Jan 05, 2016 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Index fund, TSP question
Replies: 8
Views: 851

Re: Index fund, TSP question

The TSP does not have a DJIA fund. It has the S fund which has something to do with the Dow Jones completion fund. It's a small/medium fund. I used to contribute to the TSP but not anymore. I still have the TSP and I also invest through Vanguard. Whether it is redundant or not depends on your parti...
by TSR
Mon Jan 04, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: Where to rent hard-to-find DVD's or Blu-Ray's?
Replies: 11
Views: 1117

Re: Where to rent hard-to-find DVD's or Blu-Ray's?

Two things: 1. Do you know any college professors who might have access to a college/university library? 2. When I look at the Netflix DVDs section (which is entirely different from the streaming section, as I'm sure you're aware), it lists this movie as available. Unfortunately, when you add it to ...
by TSR
Tue Dec 22, 2015 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum to Roth or student loans?
Replies: 23
Views: 1500

Re: Lump sum to Roth or student loans?

(snip) I like TSR's idea about rolling the Roth over to Vanguard. But what about the news reports this month about the possibility of Vanguard's fees quadrupling? Thanks for all of the advice! It has been very helpful. This is a pretty speculative concern. If you like, you could roll over to Fideli...
by TSR
Mon Dec 21, 2015 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum to Roth or student loans?
Replies: 23
Views: 1500

Re: Lump sum to Roth or student loans?

If I were you I would do the following: 1. Move your entire Roth to Vanguard -- the TR Price fund has a .75% ER, which is way more than the .18% at Vanguard. 2. Contribute the entirety of your $3,000 to the Roth. This is not because you need to invest vs. debt payoff, but because you need a better e...
by TSR
Mon Dec 21, 2015 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Funds VS Build Your Own for .055%-.107% Less?
Replies: 12
Views: 1405

Re: Target Date Funds VS Build Your Own for .055%-.107% Less?

I would personally go for the target-date fund just to have one-fund simplicity. The extremely small difference in ER would not bother me and would likely make no appreciable difference over time. The more important consideration is whether you guys will have other assets that don't blend well with ...
by TSR
Tue Dec 15, 2015 8:53 am
Forum: Personal Consumer Issues
Topic: Buy a Bosch dishwasher on Amazon?
Replies: 25
Views: 1977

Re: Buy a Bosch dishwasher on Amazon?

awval999 wrote:Amazon sells gift cards to Sears (not Lowes or Home Depot)

Use the Chase Freedom to buy Sears gift cards.

Use Sears gift cards to buy Dishwasher.

You can thank me later.


This is some sneaky stuff. Thanks!
by TSR
Mon Dec 14, 2015 4:39 pm
Forum: Personal Consumer Issues
Topic: Buy a Bosch dishwasher on Amazon?
Replies: 25
Views: 1977

Re: Buy a Bosch dishwasher on Amazon?

Thanks to everyone for the advice. I think I've got my answer! I'll take a trip out to Sears, Lowes, and a local/regional chain to see what kind of deals I can talk folks into.
by TSR
Mon Dec 14, 2015 1:39 pm
Forum: Personal Consumer Issues
Topic: Buy a Bosch dishwasher on Amazon?
Replies: 25
Views: 1977

Re: Buy a Bosch dishwasher on Amazon?

davebo wrote:No, don't buy this dishwasher on Amazon. If it was sold by Amazon, maybe it's worth considering but it is sold by a 3rd party so you'll have to deal with them if there are issues. Just buy local and have them install+haul away.


Excellent distinction here. Thank you.
by TSR
Mon Dec 14, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: Buy a Bosch dishwasher on Amazon?
Replies: 25
Views: 1977

Re: Buy a Bosch dishwasher on Amazon?

For a $100 difference, I'd prefer to buy local from a dealer who will handle the installation right and haul away the old one. I know in my heart for me there would be more than $100 worth of aggravation to installing a dishwasher. Worrying about resolving potential shipping damage, how to get it u...

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