Search found 596 matches

by TSR
Tue Dec 12, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 102
Views: 8687

Re: What to do after losing $117k in stock market?

Ten years ago, I lost $210K while still in school (student loans and credit cards). My suggestion would be to contribute to tax advantaged accounts up to the limit, then put the rest toward student loans. It is nice feeling to see declining loan balances. It provides a sense of accomplishment that ...
by TSR
Tue Nov 28, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5141

Re: How Do You Stay Current With Popular Music?

Paste. AV Club (avclub.com). Pitchfork.

I try to read up, then go to Spotify to listen. Very rewarding. Good luck!
by TSR
Tue Nov 28, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: New TSP Investing Strategy
Replies: 18
Views: 1937

Re: New TSP Investing Strategy

I think the difference in expense ratio here is between ~.038% and ~.05%. That would not be enough to make me try to make changes. Thanks for your reply, but could you explain what you mean? Apologies -- I misread. I thought by "price" you were referring to the expense ratios. (There is a tiny diff...
by TSR
Tue Nov 28, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: New TSP Investing Strategy
Replies: 18
Views: 1937

Re: New TSP Investing Strategy

I think the difference in expense ratio here is between ~.038% and ~.05%. That would not be enough to make me try to make changes.
by TSR
Fri Nov 17, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 70
Views: 5127

Re: My dad's army jacket

Not a service member. I think it's a very cute jacket and I think you should wear it and tell everyone who asks all about your dad. Others have given advice about the patches, and I'd respect their thoughts more than mine. I'd guess that 98% of jackets like these have ended up in the garbage. I thin...
by TSR
Thu Nov 09, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for repaying wife's law school loans
Replies: 23
Views: 2030

Re: Strategy for repaying wife's law school loans

The main reason why I'm hesitant to refinance is that she wouldn't be eligible for the repayment assistance from her school any more, as they only provide assistance for federal loans. I'm assuming that if we refinanced, she'd no longer be eligible. :annoyed I missed this part. Sorry. That is lousy...
by TSR
Thu Nov 09, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for repaying wife's law school loans
Replies: 23
Views: 2030

Re: Strategy for repaying wife's law school loans

First, don't get overwhelmed. You guys are doing fine financially right now. You're lucky to have what sound like good jobs, and she's lucky to be getting loan forgiveness from her law school (my school cut that off at like $40,000, which is terrible). A lot of people are so against debt that they s...
by TSR
Thu Nov 02, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 3026

Re: Do you Mow your own Lawn?

Yes. Relatively small, flat lawn with few trees in the way. I use a plug-in mower with a decently long extension cord and I love it over the alternatives.
by TSR
Wed Nov 01, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 65
Views: 20258

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?

My family of 5 consists of two 3 year old twins, 8 year old boy, wife, and myself. We've used BCBS for years, but they are no longer going to pay for my oldest sons asthma medication forcing us to use a generic which doesn't work as well. We could pay retail prices, but I wanted to check around. GE...
by TSR
Mon Oct 30, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Hit 2 comma milestone in portfolio thinking of increasing bonds drastically
Replies: 23
Views: 2674

Re: Hit 2 comma milestone in portfolio thinking of increasing bonds drastically

I tend to think that the scale goes something like this: Age in bonds -- conservative Age minus ten -- middle of the road What you've got -- aggressive (and more akin to what most target-date funds do today) Given your sense that you've more or less "won the game," I'd be real tempted to at least si...
by TSR
Tue Oct 24, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan: To Pay or Not to Pay: That is the Question
Replies: 32
Views: 3051

Re: Student Loan: To Pay or Not to Pay: That is the Question

Thanks for all the feedback. Couple of answers and comments. 1. ESPP is post-tax investment. Subject to capital gains taxes. 2. Unable to deduct the interest (I believe) at this point, b/c it is a private loan and I've been paying on it since 2007 (grad school loan). 3. The $160K represents a fair ...
by TSR
Fri Oct 06, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan/investing advice
Replies: 5
Views: 420

Re: Student loan/investing advice

Hold onto your cash. With the kids, a large emergency fund is good. You're doing great right now. The interest benefit of paying everything off now vs. paying it off in a few months is essentially nothing. It'll feel good, but then you'll feel like you're in debt to yourself and need to build up cas...
by TSR
Fri Oct 06, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Student Debt Advice
Replies: 17
Views: 1305

Re: Student Debt Advice

It's easy to feel like this is all a terrible emergency, and in some ways it is. But you're going to be ok. You're ahead of the game for thinking and caring about this stuff. There is no prize for winning the race to pay this off sooner than everyone else. That won't show that you are financially sm...
by TSR
Fri Oct 06, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3609

Re: Sent to collections by a hospital we've never been to?

I'm not sure how relevant this is, but I once received an EOB from my insurance company for a procedure I never had from a provider in a state I'd never visited. I called and they said there was just a digit transposed in the policy number. The thought that you could get so far down the billing road...
by TSR
Mon Oct 02, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2167

Re: On the video games path - how to set it up with younger kids

2. Unless the game is a gift for xmas or a birthday, you buy it yourself. Excellent suggestion. My brother and I are both very frugal, Boglehead type people as adults. But just about every financial lesson we learned before the age of 18 was video-game related. So many dumb choices, and many very g...
by TSR
Mon Oct 02, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2167

Re: On the video games path - how to set it up with younger kids

By way of background: I enjoy video games, but I don't have kids. My brother enjoys video games and his son (8) does too. His daughter (6) likes to watch her brother play. Several thoughts based on this experience: 1. Video games are like anything else: they can be positive immersive experiences, or...
by TSR
Wed Sep 27, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6632

Re: What is your favorite reasonably priced bourbon?

For context, let me say that if I had my choice, I'd go Four Roses Single Barrel (which around here runs about $40 for 750ml), but for much more than double the price of the Bulleit per ounce, I'm not drinking that every day. Bulleit is quite drinkable and decently priced for what it is. But there ...
by TSR
Wed Sep 27, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6632

Re: What is your favorite reasonably priced bourbon?

Disappointed by the lack of true frugal bourbon drinkers here. There is only one answer for the dollar-for-dollar best bourbon available, and that is Bulleit in the 1.75 liter bottle . It costs $40. Note that they also make rye for the same price, which I'd recommend for you cocktail drinkers. This...
by TSR
Tue Sep 26, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6632

Re: What is your favorite reasonably priced bourbon?

Disappointed by the lack of true frugal bourbon drinkers here. There is only one answer for the dollar-for-dollar best bourbon available, and that is Bulleit in the 1.75 liter bottle . It costs $40. Note that they also make rye for the same price, which I'd recommend for you cocktail drinkers. This ...
by TSR
Mon Sep 25, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Pay student loans versus invest
Replies: 14
Views: 1046

Re: Pay student loans versus invest

I am a consistent advocate of the "both" approach (i.e., invest AND pay off student loans) where two things are true: (1) you're investing in tax-advantaged accounts that are use-or-lose like a Roth or a 401k, and (2) you have a reasonable interest rate. I did that myself with my $100k or so of law-...
by TSR
Fri Sep 22, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Loans paid off!
Replies: 17
Views: 1159

Re: Loans paid off!

Congrats! Paid off my law school loans a few years ago. I'd like to say that I'm grateful every day, but the new normal does take over after a while. Go take your wife out to a nice dinner!
by TSR
Thu Sep 14, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?
Replies: 58
Views: 4024

Re: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?

Sorry for the odd response, but I have the majority of my portfolio in my TSP in a "lifecycle" fund, so it rebalances on its own. My Roth is in a three-fund configuration, and I just exchanged approximately 8% of the Roth to rebalance and slightly adjust my allocation (I just had a birthday). This o...
by TSR
Wed Sep 06, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Sonos fans: how to take advantage of promotion
Replies: 13
Views: 1820

Re: Sonos fans: how to take advantage of promotion

I have sonos throughout my home. I like it a lot. Didn't realize the technology was becoming obsolete. I think they still function and sound great. If it helps my previous research showed a concensus that two play ones is definitely a better option than a single play 3, and two play 3s are better t...
by TSR
Wed Sep 06, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Critique this TSP allocation
Replies: 28
Views: 2144

Re: Critique this TSP allocation

It's hard to critique because you're not really articulating a reason why you'd have no F fund or why you think the C fund is sub-par. In fact, both are excellent, low-cost funds that do exactly what they promise to do. Notably, the F fund way outperforms the G fund some years, and the G fund outper...
by TSR
Wed Sep 06, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Sonos fans: how to take advantage of promotion
Replies: 13
Views: 1820

Re: Sonos fans: how to take advantage of promotion

Excellent advice so far. Still leaning toward getting one or two extra 1s, unless I hear any other strong opinions.

Thank you!
by TSR
Tue Sep 05, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Sonos fans: how to take advantage of promotion
Replies: 13
Views: 1820

Re: Sonos fans: how to take advantage of promotion

I would abandon sonos. They are old tech, and you're paying for the name. Their sound quality isn't up to par for the price. The cheapest way for the sonos implementation these days is to buy as many Google Chromecast music devices as you need. Hook them up to any speaker system, old or new. You ca...
by TSR
Tue Sep 05, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Sonos fans: how to take advantage of promotion
Replies: 13
Views: 1820

Sonos fans: how to take advantage of promotion

Sonos just sent out a 15% off promotion. I have only recently owned their products, and I would love your thoughts on how to use that promo for a new acquisition or two. (I am not currently interested in OTHER brands, although I would consider them if they would "play nice" with my current set up.) ...
by TSR
Fri Sep 01, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Dropped envelope of money at bank... Any lawyers here?
Replies: 72
Views: 4479

Re: Dropped envelope of money at bank... Any lawyers here?

The bank is not free to ignore a court subpoena, assuming the police/prosecutors want to go in that direction. Your friend could also sue the unnamed defendant and the bank, and then issue a discovery request for the identity of the individual, which the bank would also not be free to ignore. This s...
by TSR
Thu Aug 24, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Miles Davis: Kind of Blue - Question for Jazz experts
Replies: 49
Views: 3556

Re: Miles Davis: Kind of Blue - Question for Jazz experts

This is a wonderful question. If you like vocal stuff, I think the vocal equivalent of KoB might be the album Chet Baker Sings, which is one of the truly great jazz albums of all time (IMO), and not too terribly sad per above comment. Another favorite is the album John Coltrane and Johnny Hartman. C...
by TSR
Tue Aug 22, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: $1000/month: Mortgage vs. Market vs. Other
Replies: 22
Views: 1922

Re: $1000/month: Mortgage vs. Market vs. Other

I would be interested to know how much emergency fund you have. I got some advice here a year or two back to increase mine to about $50k, and this year I have been really grateful for that advice.
by TSR
Fri Aug 18, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 7759

Re: DUI lawyer - need advice

I am a lawyer and occasionally do DUI cases (although not on a "for profit" basis). I don't mean the following as legal advice so much as "meta" legal advice: advice about getting advice. In other words, take it all with a grain of salt, reevaluate based on state law and local norms, etc. Your goal ...
by TSR
Fri Aug 18, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Recommended Acoustic Guitars Under $1,000
Replies: 27
Views: 3386

Re: Recommended Acoustic Guitars Under $1,000

I am also now the proud owner of an Eastman AC-512M. It's an OM-sized model with solid mahogany top, back and sides. What a beautiful and fantastic sounding guitar. Found a great deal for it on Reverb. Really, I don't have a problem - I can stop any time I want... :wink: I've never ventured into th...
by TSR
Mon Aug 14, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 9333

Re: Investing Education and Mansplaining

Your daughter is still an adolescent. We pretend otherwise for legal purposes, but all science says otherwise. She is likely smart and strong-willed, and she doesn't like the fact that she doesn't know everything yet. I didn't either at that age (I'm male). Here's the thing though: your advice is ge...
by TSR
Mon Aug 14, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Tub/shower/bath cleaners...your recommended products?
Replies: 20
Views: 2177

Re: Tub/shower/bath cleaners...your recommended products?

Kaboom tub/tile spray works great for my needs. I use the version of this product that has bleach and love it, but I have been very dissatisfied with the version that does NOT contain bleach. The former gets rid of mildew without any hassle, while the latter takes a lot more scrubbing in my experie...
by TSR
Mon Aug 14, 2017 9:54 am
Forum: Investing - Help with Personal Investments
Topic: TSP Allocation Strategy for the AGRESSIVE Investor
Replies: 36
Views: 2835

Re: TSP Allocation Strategy for the AGRESSIVE Investor

Given that your husband is investing in a 2040 fund, I think the only answer here is that you invest 100% in the L2040 fund, or the L2050 fund if you want to be a little more aggressive (which it sounds like you do). Lest you think I'm a hypocrite, I have been 100% in L2040 for about seven years and...
by TSR
Thu Jul 20, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 7825

Re: Would you let your teenager spend all his savings on a gaming computer?

I haven't read the rest of the thread, but I'll just say that my brother and I wasted a TON of money on gaming systems as kids, and it often represented the bulk of our savings at any given time (what else were we saving for?!?). Those were really important financial lessons for us at a time when th...
by TSR
Wed Jul 19, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: HOA wants to use American Arbitration Association?
Replies: 12
Views: 1085

Re: HOA wants to use American Arbitration Association?

Arbitration is a controversial and potentially political issue. Avoiding the latter, I will echo people saying that the AAA is highly reputable. This is not some scam. It is, however, a way to minimize the likelihood of a lawsuit, and to minimize the potential recovery from one. The AAA is thought t...
by TSR
Fri Jul 07, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult...ten months later.
Replies: 166
Views: 20513

Re: Learning an instrument as an adult? Six Months Progress

Oh, I won't be buying new. His hand crafted violins are way more than I want to spend. Instead I'll be looking at a used instrument. I'm going to try to focus on what sounds good to my ear and feels right when I play it. Once I've selected a violin, I'll look for a bow...otherwise I think it's too ...
by TSR
Fri Jul 07, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult...ten months later.
Replies: 166
Views: 20513

Re: Learning an instrument as an adult? Almost Five Month Update

So I probably won't update this thread quite as frequently going forward. But I did want to mention that I've now been doing this violin thing for six months. I continue to do once a week lessons with a very nice teacher. And despite being a 40 something adult, I still get nervous when showing off ...
by TSR
Fri Jun 30, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: 27, Single, 25k Income with 100k Cash - Lost
Replies: 29
Views: 3350

Re: 27, Single, 25k Income with 100k Cash - Lost

This is a funny thread. It appears that OP is attempting to get advice about how to soberly invest a cash surplus. S/he has stated a desire to create a nest egg for when s/he is too old to work anymore -- i.e., not stated that s/he will never work again or will never save any additional money. S/he ...
by TSR
Tue Jun 27, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: swimming goggles
Replies: 29
Views: 2424

Re: swimming goggles

I have used a few varieties. The easiest answer for me has been the Speedo Vanquisher 2.0, just because they are a good price-point, and they are smaller so there is less area to screw up the fit. The Aqua Sphere goggles are a great concept, but, being larger, there are a lot of places they can go w...
by TSR
Tue Jun 27, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Compelling Beneficiaries to Respond - Trust
Replies: 14
Views: 1390

Re: Compelling Beneficiaries to Respond - Trust

Just to clear up our understanding of the situation, you sent the certified letters and: (1) they signed for those letters, you received the receipt with their signature, and they never responded to the contents of the letter; or (2) they did not sign for the letters?
by TSR
Fri Jun 23, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead Challenge -- Help me "win the game".
Replies: 25
Views: 2592

Re: Boglehead Challenge -- Help me "win the game".

I think we'll need the fund options for the TSP-401k. There are only five: C (S&P), I (International, not including emerging markets), S (US small-cap), F (sort of a "total bond" fund), and G (special no-risk government securities), plus lifecycle funds with various target dates, all with ridiculou...
by TSR
Tue Jun 20, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Planning Around Partner's Student Loans
Replies: 30
Views: 2770

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: 64
Views: 12329

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: 64
Views: 12329

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: 27
Views: 3386

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 woods and a ...
by TSR
Fri May 26, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 12329

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: 64
Views: 12329

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: 64
Views: 12329

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...