Search found 504 matches

by TSR
Wed Dec 07, 2016 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Bank investment options
Replies: 3
Views: 402

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: 402

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: 29
Views: 1932

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: 31
Views: 1979

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: 1939

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: 3671

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: 1916

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: 4415

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: 3534

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: 3534

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: 1135

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: 1546

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: 1546

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: 5826

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: 1988

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: 2640

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: 2640

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: 2640

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: 2640

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: 2640

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: 2640

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: 2267

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: 6822

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: 1231

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: 4632

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: 10255

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: 4922

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: 4364

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: 665

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: 9658

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: 4364

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: 1934

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: 4364

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: 4364

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: 4364

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: 4364

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: 4364

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: 1433

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: 8536

Re: Law School Advice

Maybe it would be helpful to the original poster if you all can post about what type of law you practice? My practice area is Labor and Employment with a fair amount of M&A work. It is a stressful job but relatively financially rewarding. I started at BigLaw for 3 years, moved to another firm t...
by TSR
Thu Apr 21, 2016 4:05 pm
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 8536

Re: Law School Advice

Reblawstudent - I completely agree with the advice of AZAttorney11. For what it is worth, I think it is important to try to keep debt to a minimum as many people find the actual practice of law to be far different from what they imagined. I have a lot of friends and former colleagues that leave the...
by TSR
Tue Apr 19, 2016 1:51 pm
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 8536

Re: Law School Advice

Vanderbilt is a great school and is well regarded. It simply does NOT open every door like a top 10 school might (really, top 5), unless she is definitely going to be in the top 10% of her class there. True. Graduating at the 50th percentile from Vanderbilt will probably not open many doors to good...
by TSR
Tue Apr 19, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: Law School Advice
Replies: 89
Views: 8536

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: 9549

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: 4467

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: 272

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: 272

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: 8723

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: 9561

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: 3838

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: 3192

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...

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