Search found 493 matches

by TSR
Mon Sep 12, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: Recommended Acoustic Guitars Under $1,000
Replies: 19
Views: 1426

Re: Recommended Acoustic Guitars Under $1,000

Here are several guitars I found that would be GREAT instruments at affordable prices. I posted above about really good guitar stores. I'm not a huge fan of Guitar Center, but I'm posting here simply because they are a very large dealer with serious selection. You'd want to call and ask for better p...
by TSR
Mon Sep 12, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Recommended Acoustic Guitars Under $1,000
Replies: 19
Views: 1426

Re: Recommended Acoustic Guitars Under $1,000

I'd forget the Yamaha stuff. In my opinion they are fine, but strictly fine. I have gone through a lot of acoustics in my day, and I normally play only $2500+ instruments. That said, I'm currently in the market for a lower-priced instrument, and my thoughts are as follows below. My number one though...
by TSR
Wed Sep 07, 2016 3:20 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade my 6 year old plasma TV?
Replies: 81
Views: 4945

Re: Should I upgrade my 6 year old plasma TV?

I have an 8-year-old 40-inch Samsung LCD screen that is trying to die on me. (It can go about two hours before it starts to "solarize," and the solarization affects the menu screen as well, so I gather that means it's an expensive fix rather than a cheap one -- i.e., replacement time.) I m...
by TSR
Wed Aug 31, 2016 1:41 pm
Forum: Investing - Theory, News & General
Topic: Investing early..!
Replies: 31
Views: 1832

Re: Investing early..!

You're referring to the advice in videos such as the third video (labeled Rule #2) here, yes? https://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment_philosophy You are suggesting that the video makes a big assumption: that you will earn 10% pear year on that money consistently, yes? And f...
by TSR
Sat Aug 27, 2016 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: What to do next with "extra" money
Replies: 21
Views: 2553

Re: What to do next with "extra" money

Congrats on the debt repayment! For the time being I would focus on increasing the EF to about $50K. It's a nice round number, and you're going to deplete it somewhat for another car at some point in the short term anyway. I'd want to save enough to not have to dip below $25K or $30K at any point g...
by TSR
Fri Aug 26, 2016 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: What to do next with "extra" money
Replies: 21
Views: 2553

Re: What to do next with "extra" money

JDCarpenter wrote:Congrats on getting the loans paid off!


And thank you. In case you're interested, I wrote about the process here: viewtopic.php?f=2&t=169700
by TSR
Fri Aug 26, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: What to do next with "extra" money
Replies: 21
Views: 2553

Re: What to do next with "extra" money

10 year old Honda? I'd start putting the money aside for a new[er] car--whether inside the present emergency account or in a separate account. You may not need it for 5 or more years, but you never know. Noted -- but it does have only 80,000 miles on it! It looks like it's been through hell though....
by TSR
Fri Aug 26, 2016 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: What to do next with "extra" money
Replies: 21
Views: 2553

Re: What to do next with "extra" money

Explore the refi, especially a 15 yr. With a pension and your level of savings so far, the best thing you could do with your "extra" money is put it toward paying off your home sooner. Consider having a paid off home at age 52. Such a great thing, especially if you hope to retire early. T...
by TSR
Fri Aug 26, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: What to do next with "extra" money
Replies: 21
Views: 2553

Re: What to do next with "extra" money

Sounds like you are in a good place, financially. I will note that my favorite online Mortgage place, Cashcall mortgage, is offering no cost, no fee refinance for 30 years, 3.375 APR. 15 years is 2.75 but you don't want that, and that 's fine.... If you are already maxing out your tax sheltered acc...
by TSR
Fri Aug 26, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: What to do next with "extra" money
Replies: 21
Views: 2553

What to do next with "extra" money

Friends, within the last few years I've achieved a few big goals, namely paying off my law-school student loans and getting my emergency fund up to $30k, which is a somewhat arbitrary number but approximates and likely exceeds six months' expenses. Now I don't know exactly what to do with my extra m...
by TSR
Fri Aug 05, 2016 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Struggling with maxing out Roths. Advice?
Replies: 40
Views: 2023

Re: Struggling with maxing out Roths. Advice?

This quote" "the Roth space is lost forever if not utilized." Had me curious. (and, a little worried) So, it's not lost forever, but just for the tax year up until 4/15. After that, you have to wait for the next tax year, is that right? Some people just interpret "forever" ...
by TSR
Wed Jul 20, 2016 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Adopt my Girlfriend???
Replies: 38
Views: 6715

Re: Adopt my Girlfriend???

Adoption of an adult? I hope the presenter was joking. I would be mad that I wasted my time listening to someone who gave a flip response to what is a serious topic. Ask to Bogleheads the same question or pick up one of the many good books the Bogleheads recommend. I bet you'll get a better answer ...
by TSR
Tue Jul 19, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: Possible Water Spot on Ceiling
Replies: 16
Views: 1189

Re: Possible Water Spot on Ceiling

OP here. Thanks for all the great tips. Ding, ding. BHUser27 got it right! :beer Another type of leak not mentioned is a leak where the toilet seats onto the floor flange. There is a wax ring that is supposed to seal the toilet to the flange. The wax ring can dry out or may not have been seated pro...
by TSR
Sat Jul 16, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: Clothing upgrade for professional environment
Replies: 78
Views: 4312

Re: Clothing upgrade for professional environment

Haven't read all the replies, but Jos. A. Bank non-iron shirts are a very middle-of-the-road answer to your problem. They come in "regular," tailored, and slim. I wear slim. Non-iron is a godsend. I never, ever iron my shirts, and I wear them every day. If you purchased four of these shirt...
by TSR
Fri Jul 08, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 8392

Re: Hiking questions

Read up on DEET, some people complain about it itching their skin, being a chemical ect..... Has anyone had bad experience with this? I react negatively to DEET. It leaves my skin very red where applied to skin. That said, I'm DEET's biggest proponent -- it's the only thing that works, and bugs lov...
by TSR
Tue Jul 05, 2016 1:46 pm
Forum: Personal Consumer Issues
Topic: Your Favorite Factory Tours?
Replies: 70
Views: 4774

Re: Your Favorite Factory Tours?

I haven't read all of the responses here, but the Martin Guitars factory tour will seriously restore your faith in American craftsmanship, even if you're not a guitar person.
by TSR
Mon Jun 27, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: Any bad experiences with Brooklyn Bedding mattress?
Replies: 36
Views: 3102

Re: Any bad experiences with Brooklyn Bedding mattress?

Update: Well after 4 weeks my wife just wasnt happy. I talked with one of the reps "Mario" via their online chat and told him about the issue she had with the bed being too firm. He suggested trying a topper. I really wasnt very interested to doing this but figured they offered to send us...
by TSR
Mon Jun 13, 2016 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Brooklyn Bedding or Bed in a box anyone?
Replies: 8
Views: 588

Re: Brooklyn Bedding or Bed in a box anyone?

I started another thread on this that you can search for. I recently purchased from Brooklyn Bedding and have liked the bed and the service, though, as I commented previously, the "medium firmness" bed really is quite firm. If you are a side-sleeper I would go with "soft" -- thei...
by TSR
Tue May 31, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 9041

Re: Would you pay 6x face value to see Hamilton on Broadway?

If the prices are too high now, you may just have to, ahem:

https://www.youtube.com/watch?v=ReTP6x_sDiM
by TSR
Tue May 17, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: Any bad experiences with Brooklyn Bedding mattress?
Replies: 36
Views: 3102

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: 1838

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: 36
Views: 3102

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: 36
Views: 3102

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: 36
Views: 3102

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: 36
Views: 3102

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: 36
Views: 3102

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: 1381

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: 8294

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: 8294

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: 8294

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: 8294

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: 9383

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: 4435

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: 260

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: 260

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: 8575

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: 9382

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: 3647

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: 3079

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: 7323

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: 5878

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: 2625

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: 103
Views: 11763

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: 4543

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: 13246

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: 18938

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: 6967

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: 1640

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: 5846

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: 3636

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...

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