Search found 55 matches

by deadlymonkey
Tue Apr 05, 2016 11:40 am
Forum: Personal Consumer Issues
Topic: Sensory Deprivation Tanks
Replies: 23
Views: 2787

Re: Sensory Deprivation Tanks

I'm actually going to do this later this week. There are a few places near me, not sure if the tanks have changed much in the time since some of you have tried it. I have no expectations of enlightment or anything, just always been curious what it would be like. I will report back on my experiences.
by deadlymonkey
Tue Mar 29, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Sequencing a relative's genome
Replies: 8
Views: 1304

Re: Sequencing a relative's genome

I have strongly considered doing this but am hesitant because of significant privacy/legal concerns. If you decide to do it, be sure to research privacy policies if they are important to you. I can't speak for the bespoke genetic analysis that you are talking about but the more freely available 23an...
by deadlymonkey
Thu Mar 24, 2016 7:42 am
Forum: Investing - Theory, News & General
Topic: Financial Morality
Replies: 23
Views: 2062

Financial Morality

****************Delete if not appropriate or fights start******************* This is not about "Sin" stocks, we have had those conversations before. I'm curious if anyone else consider the moral correctness of the investments they participate in. There can be a wide gulf between "lega...
by deadlymonkey
Thu Mar 10, 2016 9:50 am
Forum: Personal Consumer Issues
Topic: How is my personal info leaking?
Replies: 28
Views: 5209

Re: How is my personal info leaking?

You're personal data is "out there" unless you live in a cave, off the grid. You've heard of your FICO score..there are dozens more that are active and maintained on you, as well as robots that can mock up a profile by tapping into the various scores. I wouldn't be surprised if there was ...
by deadlymonkey
Mon Feb 22, 2016 11:29 am
Forum: Personal Consumer Issues
Topic: Amazon Free Shipping Is Now $50....
Replies: 74
Views: 10647

Re: Amazon Free Shipping Is Now $50....

[OT comments removed by admin LadyGeek] We love Prime (if only for the videos) but recently found out when we moved that we live 2 miles from an Amazon distribution warehouse. We sometimes order in the morning and have our prime deliveries the same afternoon or next day (even on Sunday). However, m...
by deadlymonkey
Wed Feb 10, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: Wife just got a VM from a debt collector [Voice Mail]
Replies: 44
Views: 4975

Re: Wife just got a VM from a debt collector

always a good idea to keep detailed notes and/or recording of conversations with debt collectors. They can engage in very shady practices to recover debts (real or not) and there are stiff penalties for violating them. You can easy make several hundred or thousand dollars when they violate the law a...
by deadlymonkey
Tue Feb 09, 2016 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) getting killed
Replies: 52
Views: 5879

Re: 401(k) getting killed

Your post made me check my balance, and yup I'm losing money too, but I have 25-30 years till retirement and with only 8500 in your 401k I'm assuming you have even more time, so this is a tiny blip on the financial radar and we should just stay the course. I lost a lot more in 2008 and made a lot mo...
by deadlymonkey
Tue Feb 09, 2016 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Finally a budget revised - Goals/Priorities
Replies: 21
Views: 1550

Re: Finally a budget revised - Goals/Priorities

Only 100 a month (1200 a year) for travel? Just curious if you never travel anywhere because that really isn't enough for any vacation outside easy driving distance.
by deadlymonkey
Tue Feb 09, 2016 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 57
Views: 7717

Re: Treasury Direct is a waste of time

We tried to gift Savings Bonds to our nieces/nephews for birthdays etc.. Turns out, we needed to create a Treasury DIrect Account, then our relatives needed an account, and then they needed to create an account for the 2 year child and link the parent/child accounts. That was too much of a pain so w...
by deadlymonkey
Tue Feb 09, 2016 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: What is your opinion on the Federal goverment retirement plan?
Replies: 57
Views: 6214

Re: What is your opinion on the Federal goverment retirement plan?

I recently read that if you retire from the military you can forgo your military pension and roll it into FERS if you then join the federal civil service. in what case is this ever a good idea? I can't seem to make the numbers work where it will benefit you in the end.
by deadlymonkey
Tue Feb 09, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Vacation Homes
Replies: 78
Views: 10667

Re: Vacation Homes

My wife's family owns a cottage at the beach. We happily use our 1-2 free weeks there a year (any "free" weeks not used by family are rented out). I am somewhat dreading the day my in-laws die as we are the only ones financially capable of maintaining the cottage going forward. My wife wou...
by deadlymonkey
Tue Feb 09, 2016 9:50 am
Forum: Investing - Theory, News & General
Topic: $2 Trillion Valuation
Replies: 12
Views: 1307

Re: $2 Trillion Valuation

I have read that Saudi Aramco was potentially going public. That company would likely have a valuation near or over 1 trillion I believe.
by deadlymonkey
Mon Feb 08, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: Traveling in Retirement
Replies: 57
Views: 5380

Re: Traveling in Retirement

We travel extensively because we enjoy it and the kids get to learn/experience new things. We COULD save more for retirement but are comfortable with our progress and prefer to spend some on travel now. We get 30 days vacation a year (military) and proudly spend 0 days of that at home.
by deadlymonkey
Wed Jan 27, 2016 2:13 pm
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 100
Views: 16063

Re: Stacked up some more silver bullion today

We do not invest in Silver, but my wife and I buy it as presents for nieces and nephews. We decided that all of our nieces and nephews get lots of presents on their birthday (mostly toys etc..) that will be forgotten in a few months. Instead we buy each an ounce of silver with the current year's Chi...
by deadlymonkey
Wed Jan 27, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: Best Netflix/YouTube interface for the Big Screen?
Replies: 44
Views: 2493

Re: Best Netflix/YouTube interface for the Big Screen?

Roku by far. I have a Roku 3 and love it and I believe the Roku 4 is even better (faster, stronger wifi antennae). We also have a Roku SE which I do not recommend primarily because it seems so much slower compared to the Roku 3 (although at 20% of the cost)
by deadlymonkey
Wed Jan 27, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 131
Views: 9462

Re: perfectly happy with cable

We have cable for only 1 reason. Cable and Internet together in our area is cheaper than internet alone. A lot of the reasons people have hated cable in the past have gotten better. I have (recently at least) very good customer service experiences with Comcast. However, I still dislike cable compani...
by deadlymonkey
Fri Jan 08, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 7467

Re: Jackpot Now Estimated $700 Million, who's in?

I have a few tickets and see nothing wrong with a little vice in your life if it doesn't negatively affect your finances. I do daydream about winning a jackpot and the reporter asking me what I plan to do with my winnings. Most winners say something like buy a mansion or a crazy car they don't know ...
by deadlymonkey
Tue Jan 05, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 11262

Re: Savings % Target 2016?

Not sure of exact percentage, but probably around 26%. 21% comes right off the top to max out my 401K so I never see it. We don't have that much stuff, but our food budget is high (we like to eat well) and we travel a lot which eats a lot of discretionary income. I would love to save more, but prefe...
by deadlymonkey
Wed Dec 30, 2015 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth
Replies: 57
Views: 6926

Re: Net Worth

I believe most everyone is receiving or in line to receive military pensions (officer at least) would fit your criteria, as the cost to purchase an inflation adjusted lifetime annuity in your mid 40s that gives the same payout as a military pensions is north of 3 million.
by deadlymonkey
Wed Dec 30, 2015 10:23 am
Forum: Personal Consumer Issues
Topic: Do You Track Your Emails?
Replies: 16
Views: 1751

Re: Do You Track Your Emails?

I've tried Mailtrack and Contact Monkey and both work OK, but I'm wondering what other folks use, if anything. Mailtrack is good but they want to start putting "mail tracked by Mailtrack" on the bottom of my emails which seems kinda spooky to me. I don't want to freek out the folks I'm se...
by deadlymonkey
Mon Dec 14, 2015 10:12 am
Forum: Personal Finance (Not Investing)
Topic: New Military Retirement System
Replies: 84
Views: 9700

Re: New Military Retirement System

[Comments have been deleted --admin LadyGeek] The potential to earn more money in the civilian sector, depending your specialization or field, will outweigh the advantages of remaining in service. I think you overstate it a little. An O-4 getting out at 20 currently earns a pension worth about $3M....
by deadlymonkey
Thu Dec 10, 2015 6:43 am
Forum: Personal Finance (Not Investing)
Topic: New Military Retirement System
Replies: 84
Views: 9700

Re: New Military Retirement System

Thanks everyone, especially Ketawa for putting numbers into a calculator. Outcome is what I assumed, and the new system is not as good an option. I will continue to advise junior personnel that ask to stick with the old system AND put a sizeable percentage into TSP.
by deadlymonkey
Wed Dec 09, 2015 11:35 am
Forum: Personal Finance (Not Investing)
Topic: New Military Retirement System
Replies: 84
Views: 9700

Re: New Military Retirement System

It is my understanding from recent press articles that the new system would reduce the 20 year retirement payout by 20%. Thus the new retirement system would begin paying out only 30% of base pay, not the 40% quoted above. That being said, it's still a pretty good deal and the system definitely nee...
by deadlymonkey
Wed Dec 09, 2015 9:26 am
Forum: Personal Finance (Not Investing)
Topic: New Military Retirement System
Replies: 84
Views: 9700

New Military Retirement System

The military retirement system is one of the best pension plans still around, but with this year's NDAA it has taken a major new change. Personally, I prefer, and am grandfathered into the old system so cannot change my status. However, I am sure I will need to explain and advise junior personnel ab...
by deadlymonkey
Mon Dec 07, 2015 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Teacher Certification
Replies: 11
Views: 1218

Teacher Certification

I am military and obviously move around a lot. My wife was in the hospitality industry as a hotel front desk manager. She quit her job when we moved overseas the first time and has been a stay at home mom for several years. She is interested in getting back into the job market especially when the ki...
by deadlymonkey
Fri Nov 20, 2015 11:54 am
Forum: Personal Consumer Issues
Topic: Photo Storage Options
Replies: 16
Views: 1356

Re: Photo Storage Options

This is a actually a fairly tough question and the answer really depends on what is most important to you. We personally keep photos on external hard-drives. I actually have 3 two TB drives that are all backups of each other. That way if one fails I will have back ups One of the drives is also In ou...
by deadlymonkey
Wed Nov 18, 2015 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Honda Odyssey minivan- new or used?
Replies: 20
Views: 1861

Re: Honda Odyssey minivan- new or used?

Here's another option: How about an EX-L instead of Touring model? The MSRP difference is about $6K. If you could live without a couple of creature comforts (seems like the main differences are driver seat memory positions, rear sun shades, and rear seat arm rest), it would save money AND be new. T...
by deadlymonkey
Wed Nov 18, 2015 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Meeting with an attorney tomorrow for a will - what should I ask?
Replies: 15
Views: 2250

Re: Meeting with an attorney tomorrow for a will - what should I ask?

Did you get or are you going to complete a living will? It is generally important to have your views written down on paper with regard to medical decisions, especially if your spouse is also injured and cannot make decisions for you. Who will make those medical decisions? Do you want life-saving tre...
by deadlymonkey
Mon Nov 16, 2015 1:53 pm
Forum: Personal Consumer Issues
Topic: we have a [feral or stray] cat - need help
Replies: 67
Views: 5616

Re: we have a [feral or stray] cat - need help

I'm glad things worked out for you and want to say thank you for persevering to find the owner. Thanks for all the tips, perhaps there will be another cat in our future. or a dog. Take your time to consider this. One of the major emotional pulls during the holiday season is to get a new pet as a (i...
by deadlymonkey
Mon Nov 16, 2015 11:56 am
Forum: Investing - Theory, News & General
Topic: Stop retirement investing??
Replies: 57
Views: 12405

Re: Stop retirement investing??

I can see if you "hit your number" you need to retire comfortably on, then it make sense to stop contributing (if that is the route you want to go). Stein and demuth talk about doing it when you reach an arbitrary threshold. I believe one example was one times yearly salary by age 30 in a...
by deadlymonkey
Mon Nov 16, 2015 11:12 am
Forum: Personal Finance (Not Investing)
Topic: College Admission Time, What parents need to be aware and how to be helpful
Replies: 284
Views: 28432

Re: College Admission Time, What parents need to be aware and how to be helpful

Has he looked at Rensselaer Polytechnic in Troy, NY. IMO no discussion of engineering/science schools is complete without this. Just graduated with a M.S from there and was greatly impressed by the high level of the faculty and the students. Very tough programs, but lots of campus activities and lot...
by deadlymonkey
Fri Nov 13, 2015 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluate my dad's proposed VOO/VTI "arbitrage" strategy
Replies: 6
Views: 737

Re: Evaluate my dad's proposed VOO/VTI "arbitrage" strategy

Not an expert but I would say "Past Performance does not indicate future performance"
by deadlymonkey
Fri Nov 13, 2015 1:37 pm
Forum: Investing - Theory, News & General
Topic: My friend is hoarding cash. What do you say?
Replies: 78
Views: 10388

Re: My friend is hoarding cash. What do you say?

My wife's mother does this. She is half Chinese, born in Taiwan so maybe a cultural aspect. She has an absolute distrust of banks and electronic systems. She uses banks, but only in person, and made us open accounts at a small local branch to her so she could put money in for our kids (no idea how m...
by deadlymonkey
Fri Nov 06, 2015 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Mid Career Progress
Replies: 7
Views: 1897

Mid Career Progress

Emergency funds: Three months Debt: Car 1 - 17k 1.49% Car 2 - 7k 2.75% Tax Filing Status: Married Filing Jointly, Tax Rate: 28% Federal, 0% State State of Residence: PA Age: 35 Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: 30% of stocks Current retirement assets ...
by deadlymonkey
Fri Nov 06, 2015 10:08 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 435
Views: 179862

Re: TV show recommendations?

Game of Thrones - HBO
The Last Ship - TNT
Castle - NBC?
by deadlymonkey
Fri Nov 06, 2015 10:06 am
Forum: Personal Consumer Issues
Topic: New Car Rear-Ended
Replies: 24
Views: 2564

Re: New Car Rear-Ended

Apparently the person who ran into your wife voluntarily accepted responsibility. That's good. But IMO you should always call the police and get a police report on file in an accident. Sometimes people who are so accommodating at the scene change their minds later. QFT, my wife and I were rear ende...
by deadlymonkey
Tue Oct 27, 2015 1:00 pm
Forum: Personal Consumer Issues
Topic: headphones for running
Replies: 50
Views: 3957

Re: headphones for running

I will now only use Yurbuds which I bought for 20 bucks at Target. I tried other over the ear earbuds but they always fell out from movement and sweat. The Yurbuds never move. Sound is okay, but never having to worry about them falling out is worth it to me. http://www.target.com/p/yurbuds-focus-30...
by deadlymonkey
Wed Oct 21, 2015 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Military pilot looking for a vector
Replies: 28
Views: 3060

Re: Military pilot looking for a vector

2. Wise Retirement planning into Roth TSP or Roth IRA 3. Pay down mortgage debt (at least the 2nd mortgage on our DC condo) 4. College Planning ($86K in eventual contributions + Post-9/11 GI Bill transfer)--lowest priority, but something I want to keep in my mind. Goal (for each child) is to pay 10...
by deadlymonkey
Thu Jun 18, 2015 11:08 am
Forum: Personal Consumer Issues
Topic: New to Golf
Replies: 45
Views: 5637

New to Golf

I played my first round of golf ever with my in laws using a set of old borrowed clubs. I was really bad. It was in good fun and we didn't even keep score. By the end of the round I was hitting shorter shots ok (9 iron). No matter what I was doing though I could not drive at all. My form is horrible...
by deadlymonkey
Thu Jun 11, 2015 10:55 am
Forum: Investing - Help with Personal Investments
Topic: For those of you with pensions...
Replies: 25
Views: 3980

Re: For those of you with pensions...

BLUF: Even though I EXPECT a pension, I save like I would not have one, and thus will be prepared for any eventuality and maybe have a lot of money travel or live at a standard I was expecting. I am military so dealing with that pension system. I am 34 and my wife stays home with the 2 kids. Even th...
by deadlymonkey
Thu Jun 11, 2015 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Best Company to Bundle Auto & Home Insurance
Replies: 19
Views: 2859

Re: Best Company to Bundle Auto & Home Insurance

If you were ever in the military, had family in the military or maybe even knew someone in the military and you can get in with USAA, they are really good for insurance both rate wise and service wise.
by deadlymonkey
Thu May 21, 2015 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Leaving money on the table?
Replies: 11
Views: 1127

Leaving money on the table?

I have recently been mildly concerned about this but not sure if I am just thinking too much. Wife and I have shared accounts and most of our retirement assets are in TSP and Vanguard. Paycheck is deposited in Checking account and is used to pretty much pay all expenses. Expenses may fluctuate a bit...
by deadlymonkey
Fri Mar 13, 2015 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Which 529 plan are you using?
Replies: 61
Views: 6391

Re: Which 529 plan are you using?

PA resident but military so I dont pay state taxes. Won't maintain PA residency after I retire and not sure where I will end up. Invested in Vanguard Nevada plan since it was easiest since my other accounts are at Vanguard.
by deadlymonkey
Fri Mar 06, 2015 2:10 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 19384

Re: What video games are you currently playing?

I teach American lit and I have found that many video games have compelling narratives that reflect storytelling at its finest. I will always fondly remember the many hours spent playing those old Sierra Games classics: King's Quest, Space Quest, etc. Quest. Having said that, I do limit myself to j...
by deadlymonkey
Wed Mar 04, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: used commuter car
Replies: 5
Views: 608

used commuter car

My family has been a 1 car family for awhile, but we are moving soon and I will need a second commuter car (DC area). Any recommendations for cars with good mileage and reliability that can hold 2 carseats in the back (in th event we need to take the kids in this car) AND can be had for around 10K? ...
by deadlymonkey
Fri Jan 10, 2014 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Poll: $ monthly contribution to 529/college savings
Replies: 60
Views: 8788

Re: Poll: $ monthly contribution to 529/college savings

I opened my kids accounts (18 month old and newborn) with 5K in the Vanguard plan. I contribute about $150 a month to each account. I am also expecting to give my Post 9/11 GI Bill to them so that will be 1.5 years paid for each of them plus whatever the 529 covers.
by deadlymonkey
Thu Jan 09, 2014 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Roth TSP and mypay
Replies: 4
Views: 1198

Roth TSP and mypay

I'm hoping someone here knows the answer to this as I have had no long with personnel office or the mypay help desk. Active duty military can use the regular TSP or Roth TSP. For regular TSP you set a percentage of your gross pay to be deducted and that percentage and total YTD to reflected on your ...
by deadlymonkey
Mon Jan 06, 2014 11:43 pm
Forum: Personal Consumer Issues
Topic: How much a baby costs?
Replies: 86
Views: 6718

Re: How much a baby costs?

Are you an Amazon Prime member? If not you should be. Besides all the other benefits of Prime Membership, you can be enrolled in Amazon Mom. You get 20% of all baby items, specifically diapers and wipes but lots of other stuff too. You can set up autodelivery which is a lifesaver sometimes, because ...
by deadlymonkey
Mon Jan 06, 2014 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Relax... Even "poor" bogleheads are exceptional
Replies: 31
Views: 4466

Re: Relax... Even "poor" bogleheads are exceptional

So you are going to post about how others are doing poorly to try to help people feel adequate. If people are feeling inadequate, then they should re-evaluate their lives and fix what is wrong. Adequacy should not come from comparisons to others. IMHO The carrot and the stick, brother. You can beat...

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