Search found 553 matches

by TSR
Tue Jun 20, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Planning Around Partner's Student Loans
Replies: 30
Views: 1975

Re: Planning Around Partner's Student Loans

Two thoughts: 1. Have you considered backing off of your loans a bit so that you can go about 50/50 on retirement/loan-repayment? I'm a strong advocate of that, and the issue comes up a lot (google search some of those discussions). I can't tell if you have access to a 401k or not, but that's a pret...
by TSR
Tue Jun 13, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 57
Views: 6392

Re: Suits: best bang for your buck?

Thanks for the update. Fellow attorney here, and a Suit Supply guy myself. IMO, they are the best value at their price point ($399 for the basic line), equal in quality to Brooks Bros. suits that go for double the price even on sale. But as your experience shows, you can do just fine for yourself a...
by TSR
Tue Jun 13, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 57
Views: 6392

Re: Suits: best bang for your buck?

I gotta think that Jos. A Bank damaged its brand with past pricing. I still think of the time when they were lampooned on SNL, whenever I see a Jos. A Bank advertisement. http://www.nbc.com/saturday-night-live/video/jos-a-bank-cleaning-product/2768588?snl=1 I don't have to wear suits very often any...
by TSR
Mon Jun 05, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Recommended Acoustic Guitars Under $1,000
Replies: 21
Views: 2265

Re: Recommended Acoustic Guitars Under $1,000

This thread happened a while ago but I finally have an update. I am the proud owner of an Eastman AC-420 via a birthday present from my wife. She found one in "like new" condition on Reverb that came with a nice case and got a pretty good deal on it. The guitar has beautiful solid tone wo...
by TSR
Fri May 26, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 57
Views: 6392

Re: Suits: best bang for your buck?

after a long look at jos a bank, i bought a great suit at suitsupply recently and the experience start to finish was great for someone who doesn't like to shop. even on the high end suits, the material at jos a bank was an order of magnitude lower in quality than suitsupply. off the rack the ss sui...
by TSR
Fri May 26, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 57
Views: 6392

Re: Suits: best bang for your buck?

after a long look at jos a bank, i bought a great suit at suitsupply recently and the experience start to finish was great for someone who doesn't like to shop. even on the high end suits, the material at jos a bank was an order of magnitude lower in quality than suitsupply. off the rack the ss sui...
by TSR
Fri May 26, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 57
Views: 6392

Re: Suits: best bang for your buck?

after a long look at jos a bank, i bought a great suit at suitsupply recently and the experience start to finish was great for someone who doesn't like to shop. even on the high end suits, the material at jos a bank was an order of magnitude lower in quality than suitsupply. off the rack the ss sui...
by TSR
Thu May 25, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 57
Views: 6392

Re: Suits: best bang for your buck?

One issue is that I wear a 38 Long, which means that a lot of places don't carry my size in their regular lines (retailers like J. Crew, for example). I also like slim fitting suits. I read this a couple times before I realized the 38 long was based on your stature, not the nature of your clients, ...
by TSR
Thu May 25, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Thoughts on (fear of?) investing: money won vs. money earned
Replies: 27
Views: 1948

Re: Thoughts on (fear of?) investing: money won vs. money earned

I was thinking about this the other day. I can imagine a scenario in which I might inherit, say, somewhere between $100,000 and $300,000 -- a substantial windfall but not exactly generational wealth. I suspect that I would feel somewhat embarrassed by this change in circumstance, and that this embar...
by TSR
Thu May 25, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 57
Views: 6392

Re: Suits: best bang for your buck?

Thanks for all the great ideas -- I really appreciate it!
by TSR
Wed May 24, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 57
Views: 6392

Re: Suits: best bang for your buck?

I need to update my wardrobe by two or three suits. I'm an attorney and so need something for the courtroom, but by no means do I care about "projecting authority" or appearing flashy to clients or to a jury -- I just need something that looks sufficiently professional and will blend in (...
by TSR
Wed May 24, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 57
Views: 6392

Suits: best bang for your buck?

I need to update my wardrobe by two or three suits. I'm an attorney and so need something for the courtroom, but by no means do I care about "projecting authority" or appearing flashy to clients or to a jury -- I just need something that looks sufficiently professional and will blend in (j...
by TSR
Mon May 22, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Replace timing chain based on miles or years? [ignore]
Replies: 18
Views: 1324

Re: Replace timing chain based on miles or years?

Thanks to everyone. It's a little hard to search online because the 4-cyl '06 models have chains and the 6-cyl '06 models have belts, so I was misinformed about the need for replacement. (It helps that I am a dummy with cars, which is why I bought the Accord in the first place!)
by TSR
Mon May 22, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Replace timing chain based on miles or years? [ignore]
Replies: 18
Views: 1324

Replace timing chain based on miles or years? [ignore]

I have a 2006 Honda Accord coupe. It's a four-cylinder engine, which I understand means that it has a timing chain rather than belt. I don't drive much, so although it is 11/12 years old, it only has 80k miles on it. One is supposed to change the timing chain every 105k miles or every 7 years. In ot...
by TSR
Thu May 18, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: garage door problem
Replies: 25
Views: 1561

Re: garage door problem

I had a broken spring recently, and that does indeed sound like what it is. The torsion spring is usually directly above the door, either on the side, both sides, or in the middle. There are a lot of youtube videos about removing such a thing, but it really is a powerful spring and not something I'd...
by TSR
Mon May 15, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Work Colleague Wedding Group Gift: How Much ?
Replies: 8
Views: 822

Re: Work Colleague Wedding Group Gift: How Much ?

$20.00 -- you're contributing to a larger pot, right?
by TSR
Wed Apr 26, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice: Pay off student loan or ???
Replies: 15
Views: 1153

Re: Seeking advice: Pay off student loan or ???

You are correct about the "possibly doesn't matter" at those rates, with one exception: are you maxing out ALL tax-advantaged funds? Like, 401k, Roth, HSA, 529, etc? If not, then at those low interest rates I believe you will do much better if you put the money toward maxing those out (wel...
by TSR
Tue Apr 25, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: Unwinding all positions and buy back after French Elections
Replies: 55
Views: 5769

Re: Unwinding all positions and buy back after French Elections

yes =) ...But even if you get back in the market @ the same levels you got out, you basically payed 7bps to protect yourself against a major collapse of your portfolio. Sounds cheap for an insurance. The edge you have in political-driven events is that you currently know when to get out & in .....
by TSR
Tue Apr 25, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 3439

Re: co-worker had a baby chipping in on gift- how much?

I understand your frustration, but I'm personally in the "just give the $20" camp. The people citing to differences in "culture" may be right, but I think there are sub-cultures at work here, the most important being your office culture. I get asked to do a lot of these things. A...
by TSR
Thu Apr 20, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 13996

Re: Too much inheritance to handle. Advice needed

What does everyone think about this guy's choices for the inherited IRA worth 404k? http://imgur.com/a/cRPeW I just added up all the fees and it came out to be 3.07 % + 1.25 (advisor fee) = 4.32 %. Assuming we stay at 400k throughout the year, that will come out to be 17280 we are paying to fees on...
by TSR
Thu Apr 20, 2017 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 13996

Re: Too much inheritance to handle. Advice needed

What does everyone think about this guy's choices for the inherited IRA worth 404k? http://imgur.com/a/cRPeW This is needlessly complex. I haven't looked at all the expense ratios, but the funds I did look at were not too wildly expensive. It's just that there is no reason to have more than three o...
by TSR
Mon Apr 17, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 4798

Re: Gardening 2017

We have never been able to win against rabbits or squirrels without some kind of fence. We even have a pretty good stable of predators (hawks, owls and snakes). Snakes are probably the most effective - they can go down the rabbit holes and climb trees to get to the squirrels nests. But both rabbits...
by TSR
Mon Apr 17, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 51
Views: 4798

Re: Gardening 2017

Planting my first ever vegetable garden. I was too lazy for raised beds this year and everything just went right into the ground -- mostly from seed. So far it's growing great. I'm in the southeast, so it's not too hard to grow things here. Can anyone advise regarding good rabbit-control methods bes...
by TSR
Fri Apr 14, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off these loans?
Replies: 24
Views: 2377

Re: Should I pay off these loans?

I'd get rid of the "behavioral risk" portion of the "negatives." I mean, you're still going to want to own a home, right? So you've got a positive incentive to save back that money. And even if you still have some risk, that risk is just that you'll delay purchasing a home, not f...
by TSR
Fri Apr 14, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 4614

Re: What do you do with your coins?

I keep mine in an old tea can I have. When it's full, I either roll them if I'm feeling ambitious or take them to the Coin Star machine if I'm feeling lazy. A full can is worth about $70. Sometimes I dip into the can if I have a special coin need. Do you pay a fee to take the coins? Or do you get f...
by TSR
Fri Apr 14, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 4614

Re: What do you do with your coins?

I keep mine in an old tea can I have. When it's full, I either roll them if I'm feeling ambitious or take them to the Coin Star machine if I'm feeling lazy. A full can is worth about $70. Sometimes I dip into the can if I have a special coin need. Do you pay a fee to take the coins? Or do you get f...
by TSR
Fri Apr 14, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 4614

Re: What do you do with your coins?

I keep mine in an old tea can I have. When it's full, I either roll them if I'm feeling ambitious or take them to the Coin Star machine if I'm feeling lazy. A full can is worth about $70. Sometimes I dip into the can if I have a special coin need.
by TSR
Fri Mar 31, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Massive Student Loan Debt with Mortgage Refi?
Replies: 46
Views: 2522

Re: Pay of Massive Student Loan Debt with Mortgage Refi?

Do not refinance the home. It is nearly paid for so why would you sell your security - knowing you have a home? Pay off the house. Then if you want, help him pay off the loan sooner. P.s. He needs to stop adding to the debt. He needs to pay MORE than interest. There is no easy way to get rid of the...
by TSR
Thu Mar 30, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: Sitting down with Fidelity advisor next week
Replies: 22
Views: 2990

Re: Sitting down with Fidelity advisor next week

I realize that you've already had the conversation, so I'm not offering you any responsive assistance, but here's my Fidelity advisor anecdote: When I moved from a private employer to the federal government, I let my old Fidelity 401k hang around for a while. I finally got clued into the noble eight...
by TSR
Thu Mar 23, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 19481

Re: gratuitous homeownership items

This is a fantastic thread for future homeowners and renovators out there. While I agree that people's opinions on the relative merits of alarm systems are important and a legitimate consumer issue, I'd hate to see this devolve into a political discussion about the pros and cons of gun ownership or ...
by TSR
Fri Mar 17, 2017 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: I am in US equities and cash. Am I an idiot?
Replies: 43
Views: 5164

Re: I am in US equities and cash. Am I an idiot?

I'll take the bait and say that you're just a LITTLE bit of an idiot. :wink: First, a middle-of-the-road, not-too-conservative/not-too-aggressive asset allocation for you at age 48 would be 62/38 stocks/safe assets, using an "age-minus-10" rule that is popular here. If your question had be...
by TSR
Wed Mar 08, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 24157

Re: How to Die

This may not come up often in the ER, but the issue of feeding tubes is one that can tear up families. Dementia and stroke patients sometimes forget how to swallow. If fed by hand, they tend to aspirate food, which can cause pneumonia. Should they have a tube? It could prolong life for a significan...
by TSR
Mon Mar 06, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Wedding cash gift
Replies: 68
Views: 4397

Re: Wedding cash gift

Congrats to you and your fiancee. My advice is from close observation of a few weddings, not personal experience. First, one problem with wedding budgets is that people find ways to write off certain items. So if the budget is $20,000, a common trick is to declare for reasons unknown that the dress ...
by TSR
Thu Mar 02, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 8300

Re: Tell me about Smart TVs and cutting cable

I have not read all of the responses here, but I wanted to mention that I currently have a lousy DSL-style internet connection at 6 mbps. It does great on streaming shows on Netflix and Amazon. It does less well when you have something else up, like a laptop doing anything on the internet, or a smar...
by TSR
Wed Mar 01, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 81
Views: 5750

Re: What Car Should I Buy My Daughter as a Graduation Present

You should get her a used CRV or RAV4. Those are the best combo of safe/reliable/useful/efficient/cost-effective that I know. There are other versions of the same cross=over available elsewhere, and they're probably fine too (Hyundais). She will have no emotional attachment to it whatsoever, and it ...
by TSR
Mon Feb 27, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Buy Condo or Rent For 5yrs
Replies: 6
Views: 906

Re: Buy Condo or Rent For 5yrs

I'm responding because you asked me to in another thread. I don't have a problem with the home purchase in this case, but I would make a few caveats: 1. I don't like that this feels so impermanent. Why not mentally say, "We'll live here as long as we enjoy it"? That way you are not imposin...
by TSR
Mon Feb 27, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Student Debt
Replies: 26
Views: 2928

Re: Student Debt

I agree that you should max out your 401k and aggressively pay off debt. What you should not do is try to buy an apartment, especially not in the sort of market where biglaw is paying $180-200k (again, I'm assuming that's the career). I had a similar experience with slightly less debt, and I wrote a...
by TSR
Fri Feb 03, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Federal Thrift Savings Plan (30 Years Old)
Replies: 22
Views: 1916

Re: Federal Thrift Savings Plan (30 Years Old)

You've done a good job saving while still very young. Don't worry about the past. I get the sense that you're trying to "out-think" your past mistakes by being clever/active here in the present. Instead, I would advise putting 100% of everything (past funds, future contributions, etc.) in ...
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: 5067

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: 221
Views: 45174

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: 7399

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: 3762

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? Almost Five Month Update
Replies: 138
Views: 13629

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: 221
Views: 45174

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: 7008

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: 4163

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: 7181

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: 1564

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? Almost Five Month Update
Replies: 138
Views: 13629

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: 635

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!

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