Search found 467 matches

by TSR
Mon Apr 25, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Reel Lawn Mower
Replies: 14
Views: 1103

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: 88
Views: 6699

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: 88
Views: 6699

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: 88
Views: 6699

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: 88
Views: 6699

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: 8220

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: 4156

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: 227

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: 227

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: 7819

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: 8690

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: 3016

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: 2683

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: 6463

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: 5331

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: 2330

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: 6618

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: 4204

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: 12030

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: 17218

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: 6300

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: 1471

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: 4640

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: 3211

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: 10350

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: 9583

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: 2425

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: 3713

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: 402

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: 402

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: 402

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: 1537

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: 11458

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: 15432

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: 813

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: 1097

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: 1448

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: 1448

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: 1339

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: 1920

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: 1920

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: 1920

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: 1920

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...
by TSR
Mon Dec 14, 2015 12:23 pm
Forum: Personal Consumer Issues
Topic: Buy a Bosch dishwasher on Amazon?
Replies: 25
Views: 1920

Buy a Bosch dishwasher on Amazon?

Friends, I need a new dishwasher. After scouring (little dishwasher pun for you there) these boards for dishwasher recommendations, I'm convinced that I should probably purchase a "Bosch dishwasher in the $1,000 range," which appears to be the standard advice here. So aside from that, I ha...
by TSR
Mon Nov 23, 2015 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: PhD Mechanical Engineer --> Law School?
Replies: 47
Views: 4376

Re: PhD Mechanical Engineer --> Law School?

The knock on law school these days is that there are too many lawyers and too few jobs. But I think that is changing somewhat, and enrollment is down sufficiently that this is a good time to apply to law school (and I would recommend taking an LSAT prep course -- I did not and I regret it). You do n...
by TSR
Fri Nov 20, 2015 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Any tax attorneys out there? [CPA considering law school]
Replies: 21
Views: 1743

Re: Any tax attorneys out there? [CPA considering law school]

Lawyer here, but not in tax. I think you should follow your gut, but I can't tell what that gut is saying. On the one hand, you seem pretty comfortable, and you're probably entering into a time when you'll need that comfort (i.e., maybe having kids, becoming the kind of adult you're going to be for ...
by TSR
Tue Nov 17, 2015 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is having a brick and mortar investment house better
Replies: 13
Views: 1554

Re: Is having a brick and mortar investment house better

If that makes you feel better, then do it. Fidelity is currently a fine substitute for Vanguard (I have them for my Roth IRA), and I once took advantage of their brick-and-mortar store to fix it when I over-contributed to my Roth one year. This could all be done remotely, but it was nice to have a l...
by TSR
Thu Nov 12, 2015 4:54 pm
Forum: Personal Consumer Issues
Topic: Whisky Recommendations
Replies: 109
Views: 9631

Re: Whisky Recommendations

for the best "bang for your buck" single malt scotch, i like Glenlivet 12 Year. it's currently $23.99 for 750ml at my local shop. lately i enjoy making Manhattans with Rye Whiskey. Bulleit Rye is also pretty good bang for your buck at $21.99 a 750ml bottle. I haven't checked to see if any...
by TSR
Tue Nov 10, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 124
Views: 16914

Re: Best albums of 2015

Saw Sufjan and his band in Atlanta last week. Carrie & Lowell fans really should try to catch one of the few shows left in this tour. The main set is mostly the 11 songs of C&L , and they are somehow more remarkable and more heartbreaking live. We're all gonna die , you know. Carrie & L...
by TSR
Tue Nov 10, 2015 12:44 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 124
Views: 16914

Re: Best albums of 2015

Happy to see this thread pop back up today. A few recommendations: 1. John Moreland, High on Tulsa Heat -- this dude writes super sad, folk/rock inspired songs with a huge voice that will take you to really dark places. The album is consistently fantastic and really sets the mood of his Midwestern ...

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