Search found 515 matches

by TSR
Thu Jan 05, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: Champion of 401K Lament the Revolution they Started
Replies: 75
Views: 4464

Re: Champion of 401K Lament the Revolution they Started

There seems to be a lot of all-or-nothing thinking here. One way to improve the workplace 401k would be to mandate that any company that runs a 401k program (1) start ALL employees at a 10% savings rate (2) invested in a 60/40 mix of diversified stocks and bonds representing a sufficiently diversifi...
by TSR
Thu Jan 05, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28764

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

Another update, Meet with lawyers yesterday and we are going to start the process of establishing conservatorship over my mother. They believed that there are enough red flags to make it easy for a judge to grant it. Once they do that, I will be able to have access to everything and can freeze her ...
by TSR
Fri Dec 30, 2016 3:09 pm
Forum: Investing - Theory, News & General
Topic: If you only have 20% in bonds...
Replies: 42
Views: 6852

Re: If you only have 20% in bonds...

Do not forget about the value of simplicity. A single diversified, safe bond fund (TBM or something like it) is preferable to more than one fund in my book. I'm at around 25 percent and I follow this strategy in the accounts where I have a choice. In short, I'd say just go with TBM and rest easy at ...
by TSR
Fri Dec 30, 2016 3:02 pm
Forum: Investing - Theory, News & General
Topic: Are International Markets overdue for great gains?
Replies: 43
Views: 3473

Re: Are International Markets overdue for great gains?

I just invested in international in my Roth, but it was because my international allocation has dragged compared to my US allocation and therefore deviated from the allocation I have committed to. I'm hoping this strategy pays off reasonably well, regardless of whether that fund is "due" f...
by TSR
Wed Dec 28, 2016 4:14 pm
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult?
Replies: 123
Views: 9688

Re: Learning an instrument as an adult?

Got my rental violin from a specialty luthier. Used, Romanian made instrument. The owner of the violin shop apparently does not deal in anything from China and does not rent to schools. $30 a month and violin would sell for about $2500. First lesson next week. Awkward to hold and I just ordered a s...
by TSR
Wed Dec 28, 2016 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 176
Views: 28764

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

It could be both if he used mom's and sis's money to pay expected dividends and redemptions on client accounts that have been drained without their knowledge. Yep. I am an attorney who has had the pleasure of defending fraudsters such as this on occasion. It's usually a pyramid scheme of some sort ...
by TSR
Tue Dec 27, 2016 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: large purchase [engagement ring]
Replies: 72
Views: 5062

Re: large purchase

Well I guess I will be the bearer of bad news - You are spending way too much. Think rationally and don't equate your love to large dollar values. I had this debate with my coworker of Indian origin and it kind of justifies Indians buying jewelry because more than 90% (many a times > 100% because o...
by TSR
Thu Dec 22, 2016 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Pre-pay mortgage vs Taxable?
Replies: 54
Views: 3407

Re: Pre-pay mortgage vs Taxable?

The payments you make during those 20 years stay the same of far as which % is interest and which % is principal. This is most definitely incorrect. Every regular monthly payment has a different amount of interest as you're reducing the remaining principal, which is what the bank uses to charge int...
by TSR
Mon Dec 19, 2016 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Ne er-do-wells coming out of woodwork
Replies: 32
Views: 6906

Re: Ne er-do-wells coming out of woodwork

Is you mom mentally incompetent? If not did she ask you for your advice after you brought it up with her? If the answer to those two questions are no then thre is no actionable topic here. Who cares who she gives her money to if she is of sound mind and body. It is HER money and not YOUR money. If ...
by TSR
Mon Dec 12, 2016 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Investing is intimidating, hoping to get this right...
Replies: 17
Views: 1327

Re: Investing is intimidating, hoping to get this right...

It's good that you're thinking about this early. There are other, smarter people out there who will have thoughts, but I'll take a shot: 1. You may wish to delete the information about company-specific stock just to preserve some anonymity. 2. Speaking of which, having 30% of your retirement in one ...
by TSR
Fri Dec 09, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult?
Replies: 123
Views: 9688

Re: Learning an instrument as an adult?

Thanks all. Given that there seems to be an instructor close by, this seems like the best path forward. Who knows, maybe this is just scratching an itch to see what happens. But I decided I was done with tennis after twenty years of playing, took a decade off, and started again a few years ago. Gla...
by TSR
Wed Dec 07, 2016 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Bank investment options
Replies: 3
Views: 467

Re: HSA Bank investment options

I use HSA bank and invest through TDAmeritrade. I take advantage of the no transaction fee ETF trades, with Vanguard ETF's available. The only "catch" is you have to "opt in" for the no fee ETF's... once you've done that, you are all set Mike Oh cool, that's great to know. Thanks!
by TSR
Wed Dec 07, 2016 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Bank investment options
Replies: 3
Views: 467

HSA Bank investment options

My HSA through HSA Bank has now gotten to a point where I believe I am able to create a separate brokerage account for it. They list two potential providers--TD Ameritrade and Devenir. Has anyone dug through the fee structure that both of these charge through HSA Bank, along with the seemingly high ...
by TSR
Tue Dec 06, 2016 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Allocations 43 yr old
Replies: 47
Views: 3934

Re: TSP Allocations 43 yr old

My opinion: you should just choose the L2040 fund and be done with it. The reasons: 1. You have given no reason not to do it. The only good reasons I can think of not to choose one of the L funds would be: (1) other assets that make it harder to maintain your desired asset allocation with a lifecycl...
by TSR
Tue Dec 06, 2016 4:55 pm
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult?
Replies: 123
Views: 9688

Re: Learning an instrument as an adult?

I'm a big advocate of this sort of lifelong learning, even if you don't get "good." I have played guitar for many years, but have (somewhat) recently been taking piano lessons. It's much, much harder to learn an instrument as an adult, and piano is harder than the guitar. I have a few thou...
by TSR
Tue Nov 22, 2016 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Yet another!! HDHP vs PPO qustion.
Replies: 25
Views: 1985

Re: Yet another!! HDHP vs PPO qustion.

I don't see this in the thread, and please forgive me if I'm just missing it and it's addressed elsewhere. With my HDHP program, one major (for me) benefit is that the "preventive" care that is "free" also includes dental care. That is, they cover two cleanings and a couple of x-...
by TSR
Fri Nov 04, 2016 5:04 pm
Forum: Personal Consumer Issues
Topic: Gaming system for kids?
Replies: 53
Views: 4565

Re: Gaming system for kids?

I'd say PS4. It appears to have the edge on other systems, and it has a compelling virtual-reality system out that could be really interesting. As a parent it is important to know that there are a lot of extremely adult-themed games out there, and it's important to follow the ratings when purchasing...
by TSR
Mon Oct 31, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Tackling Student Loan Debt v. Saving and investing
Replies: 25
Views: 1980

Re: Tackling Student Loan Debt v. Saving and investing

For what it's worth, here's a post I wrote about finally paying off my law-school student loans: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=169700 In it I make two points relevant to your situation: (1) it's better to pay off loans AND invest, rather than either/or; and (2) buying a ho...
by TSR
Thu Oct 27, 2016 3:02 pm
Forum: Investing - Theory, News & General
Topic: Dont invest in 401K
Replies: 42
Views: 4562

Re: Dont invest in 401K

Saw this article this morning. Make no mistake: what he is advocating here amounts to no more than "save $100,000, then make a good investment out of it." This all just begs the question. I mean, zero advice about what is a good investment, other than to vaguely suggest "real estate,&...
by TSR
Wed Oct 19, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Loan Not Being Repaid
Replies: 41
Views: 3680

Re: Loan Not Being Repaid

Wow! This is fantastic information! Thank you! I guess I need to speak to an attorney about this and determine the costs/hassle. Thank you again! My advice is incomplete as others have pointed out. It may be advisable to move forward with this just enough to make it so you can get a tax deduction. ...
by TSR
Wed Oct 19, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Loan Not Being Repaid
Replies: 41
Views: 3680

Re: Loan Not Being Repaid

I have some experience with this, but it has been a while since I've done any debtor/creditor law, so take this all with an enormous grain of salt (and certainly not as legal advice given that I have no idea where you live or what the law there is). Depending on your state, it would probably go some...
by TSR
Fri Sep 30, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Successfully Lobbied for Vanguard 401k Plan!
Replies: 16
Views: 1185

Re: Successfully Lobbied for Vanguard 401k Plan!

Great story. Congrats. Glad it didn't make you a "pest" in the eyes of your CEO, but rather a smart, thoughtful person. Sounds like good management (in addition to a good employee).
by TSR
Mon Sep 12, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: Recommended Acoustic Guitars Under $1,000
Replies: 19
Views: 1597

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: 1597

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: 6651

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: 2044

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: 2702

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: 2702

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: 2702

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: 2702

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: 2702

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: 2702

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: 2362

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: 6931

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: 1289

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: 4734

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: 164
Views: 10542

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: 5110

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: 5103

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: 727

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: 10063

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: 5103

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: 2019

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: 5103

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: 5103

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: 5103

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: 5103

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: 5103

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: 1458

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: 8689

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...

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