Search found 446 matches

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: 16
Views: 611

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: 40
Views: 2829

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: 2757

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: 9379

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: 9102

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: 2307

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: 28
Views: 2553

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: 337

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: 337

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: 337

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: 1465

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: 113
Views: 9729

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: 95
Views: 6209

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: 741

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: 1002

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: 1333

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: 1333

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: 1230

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: 1767

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: 1767

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: 1767

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: 1767

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: 1767

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: 4110

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: 1631

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: 1441

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: 8774

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: 123
Views: 16051

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: 123
Views: 16051

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 ...
by TSR
Tue Nov 10, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Question regarding helping son with graduate school loan debt
Replies: 42
Views: 2645

Re: Question regarding helping son with graduate school loan debt

OP here. Greatly appreciative of the varied feedback so far. Thanks for taking the time. I'd rather not answer some of the specific questions to maintain some anonymity in case my son ends up on this site (wouldn't that be a great development ;-) I appreciate the caution that this could be (or alre...
by TSR
Mon Nov 09, 2015 10:59 am
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 123
Views: 16051

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 ...
by TSR
Mon Nov 09, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 123
Views: 16051

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 r...
by TSR
Fri Nov 06, 2015 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: antiques [Swedish mid-century modern seating]
Replies: 17
Views: 1141

Re: antiques [Swedish mid-century modern seating]

I love this stuff and think it's well made and functional. I acquired my first piece of mid-century furniture in 2002 as a gift from a very hip girlfriend who knew that it was "in." Since then, I've seen many people get into this stuff. What that says to me is that you've got a fashion tre...
by TSR
Thu Nov 05, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: Use the chip credit card in the US?
Replies: 20
Views: 1981

Re: Use the chip credit card in the US?

I regularly go to lunch at two different restaurants near my work. Both have chip readers. For one, it takes a little bit longer than swiping. For another, it takes MUCH longer. I don't know if this is the connection or the machine (or both, or neither?), but it seems like businesses would want what...
by TSR
Tue Nov 03, 2015 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Casual shirts/tops for tall skinny men
Replies: 21
Views: 2199

Re: Casual shirts/tops for tall skinny men

Compound wrote:For t-shirts, I love Eddie Bauer legend wash shirts. Durable, comfortable, and great fit for me.

Thanks all for the other suggestions; I've got some online shopping to do and this will help.


I agree. I've started stocking up on those shirts. Thanks!
by TSR
Mon Nov 02, 2015 5:47 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (October 2015)
Replies: 9
Views: 940

Re: madsinger monthly report (October 2015)

EmergDoc wrote:Thanks for your work on these. I look at them every month but rarely comment. I'm sure there are many others. Don't assume few comments means few are looking.


Agreed. Thank you.
by TSR
Mon Nov 02, 2015 5:47 pm
Forum: Personal Consumer Issues
Topic: Low-cost and low-maintenance hobbies?
Replies: 69
Views: 6870

Re: Low-cost and low-maintenance hobbies?

I get a $25/month gym membership and lately I've taken up swimming. I like the quiet, the solitude (though I've made some friends), and of course the exercise. Pretty cheap -- goggles, suit, gym membership. I have played guitar most of my life, but lately I've been taking piano lessons. The piano wa...
by TSR
Thu Oct 29, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: Car advice for tall person
Replies: 29
Views: 1948

Re: Car advice for tall person

I'll put in another plug for the Ford Focus. At work we have several Focuses as fleet vehicles, and I'm surprised to have plenty of room in them (I'm 6'3"). I rode in a Fusion the other day and found I had much less headroom. You would not want a sunroof, as those tend to cut out a little less ...
by TSR
Wed Oct 28, 2015 9:37 am
Forum: Personal Consumer Issues
Topic: Guilty pleasures?
Replies: 123
Views: 12004

Re: Guilty pleasures?

Martin acoustic guitar. Nice "large tall" clothing that actually fits me. Very few places stock my size, and the places that do aren't exactly Wal-Mart prices. kjv I've got a Martin (an OM-18V custom with Adirondack top) and an old 1937 Gibson L-00. I also have a studio upright piano, and...
by TSR
Tue Oct 27, 2015 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Walk away from inheritance?
Replies: 54
Views: 7126

Re: Walk away from inheritance?

We are in our late 40s. The problem is there is no transparency and even asking to see the will of her mother would cause such over the top behavior and responses that it goes nowhere - but the understanding is the control of the businesses they set up together all went to the father who then set u...
by TSR
Tue Oct 27, 2015 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Uncertainty as Federal Employee
Replies: 54
Views: 4440

Re: Uncertainty as Federal Employee

I haven't read everything in this thread, but I will tell you that I took a 30% pay reduction to get my federal job, and I've been through the wringer with all of the threatened shutdowns, the sequester, etc. During the sequester, we were furloughed one day a week for 21 weeks, a huge pay cut. I'm w...
by TSR
Mon Oct 26, 2015 2:41 pm
Forum: Personal Consumer Issues
Topic: Recomendation for a good sheet set
Replies: 22
Views: 1591

Re: Recomendation for a good sheet set

In your price range I'd recommend going to TJ Maxx and buying the single most expensive thing they have (which will usually be well under $100). They carry some higher-end sheet sets from department stores, and they have a pretty decent return policy. Worth a look. I also like the pricier stuff at B...
by TSR
Tue Oct 20, 2015 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Military pilot looking for a vector
Replies: 28
Views: 2437

Re: Military pilot looking for a vector

Prioritizing your "emergency" fund is a good idea. As long as you and your spouse are honest with each other, that "emergency" fund can take one or several different forms. It can be a dedicated savings/money market account, and/or a bond fund, and/or a Roth IRA or Roth TSP acco...
by TSR
Tue Oct 20, 2015 10:26 am
Forum: Investing - Theory, News & General
Topic: 401k - how often do you check it?
Replies: 53
Views: 3726

Re: 401k - how often do you check it?

I think you'll get more responses from people who have the "right" answer ("never," "very seldom," "once a year when I rebalance according to my IPS"), so I'll chime in here: Age: 37 Years until retirement: 25? 20? Every day. I don't ever tinker (nor would I k...
by TSR
Mon Oct 19, 2015 1:54 pm
Forum: Investing - Theory, News & General
Topic: 2008 Market Crash, Did You See It As Opportunity?
Replies: 60
Views: 4244

Re: 2008 Market Crash, Did You See It As Opportunity?

This was more or less the start of my investing career, so all I could do was put in my 401k contributions every month and hope for the best, but I did that and it paid off well. That said, I doubt I'm alone in saying that my employer cut our 401k match to ZERO, so technically my contributions decre...
by TSR
Tue Sep 22, 2015 3:04 pm
Forum: Forum Issues and Administration
Topic: AMAZING BOGLEHEADS.ORG FORUM STATS
Replies: 29
Views: 4501

Re: AMAZING BOGLEHEADS.ORG FORUM STATS

Jonathan wrote:IMO, it's the soft metrics that make this forum different. High post quality. Low drama. Consistent moderation. Deep bench of heavy hitters participating regularly.


Absolutely. Great point, and thanks to all the moderators and contributors, as always.
by TSR
Tue Sep 22, 2015 2:59 pm
Forum: Investing - Theory, News & General
Topic: VW stock goes from 170 to almost 100 and falling, good time to buy?
Replies: 169
Views: 15605

Re: VW stock goes from 170 to almost 100 and falling, good time to buy?

I just bought into to VW so if you guys would like, I'll do a semi-real time performance update series. To head off the "you shouldn't be buying individual stocks" lecture, my entertainment stock money is well under 1% of my total portfolio. I would enjoy watching that. You'll get no lect...
by TSR
Mon Sep 21, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Small Milestone!
Replies: 29
Views: 2630

Re: Small Milestone!

Nice. Keep it up!
by TSR
Fri Sep 18, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: If You Have Savings In Your 20s, You’re Doing Something Wrong [article]
Replies: 148
Views: 12709

Re: If You Have Savings In Your 20s, You’re Doing Something Wrong [article]

Here's one of the biggest false assumptions in this article: The author suggests that saving $200/month "wouldn't make a dent" (which is false or true depending on your definition of "making a dent"), but then DOES assume without analysis that spending that same $200/month on &qu...
by TSR
Thu Sep 10, 2015 4:19 pm
Forum: Personal Consumer Issues
Topic: I am running out of excuses to not move out
Replies: 71
Views: 6428

Re: I am running out of excuses to not move out

It sounds like you're ready, but your only real hesitation is your financial prudence. For that reason, here would be my votes in order of preference: 1. Move out into a roommate situation 2. Move out without a roommate situation 3. Stay at home They're all pretty good options, but don't stay at hom...

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