Search found 71 matches

by Sic Vis Pacem
Mon Nov 04, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Should I use a lawyer
Replies: 20
Views: 2957

Re: Should I use a lawyer

Good advice to go through your insurance company. Regarding injury, it is possible to suffer injuries in an auto collision that are not immediately apparent. You may want to give it a couple months before signing anything that will waive your rights to a suit. Disclaimer: I'm an attorney. This is no...
by Sic Vis Pacem
Mon Oct 07, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Luxury condo
Replies: 56
Views: 4855

Re: Luxury condo

Our HOA dues in a medium sized midwestern city downtown condo are about $475 a month, with no amenities to speak of. It can cost quite a bit just to keep the place lit, heated, and clean. Based on my research on other condos in the city, our dues are about average (although newer buildings have mor...
by Sic Vis Pacem
Mon Oct 07, 2019 4:42 pm
Forum: Personal Investments
Topic: New investor... Am I crazy?
Replies: 42
Views: 4017

Re: New investor... Am I crazy?

I'm going to make the counterintuitive suggestion that you get off these forums (for now). This forum can be a bit like drinking from a firehose unless you are grounded in the underlying theories generally favored here. What you need is a primer on index fund investing, not answers to specific quest...
by Sic Vis Pacem
Wed Oct 02, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Luxury condo
Replies: 56
Views: 4855

Re: Luxury condo

Our HOA dues in a medium sized midwestern city downtown condo are about $475 a month, with no amenities to speak of. It can cost quite a bit just to keep the place lit, heated, and clean. Based on my research on other condos in the city, our dues are about average (although newer buildings have more...
by Sic Vis Pacem
Sun Sep 29, 2019 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Does the price for this legal work seem reasonable?
Replies: 5
Views: 1083

Re: Does the price for this legal work seem reasonable?

Legal work varies a bit by geography (like all things), but that's certainly not unreasonable.
by Sic Vis Pacem
Thu Sep 26, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: Suggestions for good leather shoe?
Replies: 43
Views: 4122

Re: Suggestions for good leather shoe?

I'll add to the chorus on Allen Edmonds. Note that they no longer sell factory seconds year-round; they now have intermittent sales. https://www.allenedmonds.com/2019-factory-seconds-landing-page.html. If you sign up for their mailing list they are good about letting you know when the factory second...
by Sic Vis Pacem
Fri Sep 06, 2019 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Stressed Over Money 25 Yr. Old
Replies: 65
Views: 5166

Re: Stressed Over Money 25 Yr. Old

At 25 I spent half my money on drugs, alcohol, and women. The other half I wasted. But, seriously. You need to "launch" as an adult. Part of that means moving out of your parents house. Sounds like you're willing to engage in some introspection. If your stress or anxiety about money is impairing oth...
by Sic Vis Pacem
Thu Aug 22, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: Best undergrad majors ahead of Law school?
Replies: 75
Views: 3803

Re: Best undergrad majors ahead of Law school?

Also that successful lawyers have hellacious lives. And there are plenty of lawyers who don't bank enough to pay off their student loans. In fact the distribution seems to be bi-modal. You are either hired by Big Law for perhaps $120-140k pa (but work 3000+ hours a year, at least in the early years...
by Sic Vis Pacem
Wed Aug 21, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Best undergrad majors ahead of Law school?
Replies: 75
Views: 3803

Re: Best undergrad majors ahead of Law school?

Lawyer here, with some involvement in recruitment/hiring. Everything above about grades/LSAT is correct. If the grades and score are not there, the resume will be screened out before the hiring committee (or person) ever sees it. And I'll echo the above sentiment that firms are narrowly focused on t...
by Sic Vis Pacem
Mon Aug 05, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 11807

Re: Insane to buy a sports car?

Get the C8. Murdered out.

(...He says after cleaning baby spit-up out of the backseat of the Passat TDI...)
by Sic Vis Pacem
Tue Jul 30, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Ethics of "bonus payback" when quitting a job
Replies: 157
Views: 10153

Re: Ethics of "bonus payback" when quitting a job

Any person or corporation can choose to waive a contract provision that benefits them. It's not unethical to accept that waiver. If the corporation does not ask for it, I would assume the corporation believes they obtained fair value for the services and has chosen to waive the claw-back provision. ...
by Sic Vis Pacem
Mon Jul 22, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Wife (teacher) and I are trying for a baby. What are some "must-knows" and other tips?
Replies: 127
Views: 11061

Re: Wife (teacher) and I are trying for a baby. What are some "must-knows" and other tips?

Good responses above.

You may want to look over a similar thread here: viewtopic.php?f=11&t=278623

From the father of an 8 month old, I wish you the best.
by Sic Vis Pacem
Mon Jul 08, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Going to law school question
Replies: 55
Views: 3734

Re: Going to law school question

I believe the Wisconsin diploma privilege applies to Marquette Law as well, which should be a little easier to get into than UW Madison.
by Sic Vis Pacem
Thu Jun 06, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 8501

Re: What flagship (even used) item is better than a budget new item?

High quality luggage (Briggs & Riley or TravelPro). Lifetime warranty and never worry about it again. I prefer the B&R, my wife has a few sizes of TravelPro. Used Osprey/Dueter/Berghaus hiking packs. It seems tons of people buy these for one-off trips (Machu Picchu or the like) and then sell a few y...
by Sic Vis Pacem
Wed May 22, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Inexpensive way to gain weight
Replies: 54
Views: 2701

Re: Inexpensive way to gain weight

Eat 500-750 cals of protein dense real food (nuts, chicken, whatever). Weight lift. If you've never lifted, consider a personal trainer to get you started to avoid injury, especially if you are older. Eat another 500-750 cals after you lift. Repeat for 3 weeks. Check back and let us know how it goes.
by Sic Vis Pacem
Thu Apr 25, 2019 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Question for Attorney - Home owner selling house
Replies: 6
Views: 792

Re: Question for Attorney - Home owner selling house

The contractor is talking about a mechanic's lien. The short answer is that he can attempt to place such a lien. Whether he will succeed, and whether it may constitute slander of title given the circumstances, should be addressed by an attorney in the appropriate jurisdiction. Mechanic's lien's can ...
by Sic Vis Pacem
Tue Apr 23, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Best pillow under $50?
Replies: 33
Views: 2785

Re: Best pillow under $50?

Shredded memory foam hits the spot for me between support and comfort. I like both the options from Coop Home Goods, but may be stretching that $50.
by Sic Vis Pacem
Sat Apr 20, 2019 9:44 am
Forum: Personal Investments
Topic: Net Worth where it should be?
Replies: 49
Views: 7198

Re: Net Worth where it should be?

You're doing very, very well considering your income. Do you have opportunities to grow that income in your current job/field? Given your incredible savings rate, even a modest increase would put you on the fast track to that travel you desire. Not directly responsive to your question, but your resp...
by Sic Vis Pacem
Fri Apr 12, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 127
Views: 7274

Re: Soon to be dad, how to prepare

Congrats! Recent new dad here. Lots of good advice up-thread. I'll add my $.02: Buy used. Check for recalls, and then ignore the scare industry that preys on new parents' anxiety. Uppababy car seat/strollers are amazing, but expensive (see #1). Graco, Chicco, Britax, and BoB are excellent candidates...
by Sic Vis Pacem
Tue Apr 09, 2019 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Broadly Written Non-Competes
Replies: 12
Views: 1190

Re: Broadly Written Non-Competes

I'm a retired lawyer. Our firm has litigated many non-competes. The enforceability and strategy around responding to an employer request is situational (there's a reason good lawyers say "it depends"). Respectfully, if you want a reliable answer consult legal counsel. Lawyer or non-lawyer on the bo...
by Sic Vis Pacem
Tue Apr 09, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Deduct Nanny Expenses (not wages)
Replies: 1
Views: 269

Deduct Nanny Expenses (not wages)

Hello Bogleheads- I have a tax question that I cannot seem to find an answer on. I'm guessing its a long shot, but... Can you deduct expenses paid to employ a nanny in your home? We pay for our nanny's parking spot and purchased a home air purifier to help with her allergies to our cats. I can think...
by Sic Vis Pacem
Mon Apr 01, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: Travel tips/guide for Athens Greece and Santorini?
Replies: 6
Views: 575

Re: Travel tips/guide for Athens Greece and Santorini?

I'll second the sentiment upthread that you will have plenty of time in Athens and not enough in Santorini, but it sounds like you're already booked. Most places accept plastic. We used very little cash while in Athens or on Santorini. There are great walking tours available to see sites around Athe...
by Sic Vis Pacem
Thu Mar 28, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 9820

Re: Tattoos and Bogleheads

Tattooed attorney here. None visible in business clothing. I have a regular group of guys, most of them much older than me, that I chat with at the gym. Shortly after meeting one of my favorites, he asked what I did. I told him I worked at [Insert big firm in my city here]. He asked if I was in IT o...
by Sic Vis Pacem
Tue Mar 26, 2019 7:22 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 9820

Re: Tattoos and Bogleheads

I have five. The inspirations vary wildly. One is a tribute to a friend who had the same tattoo, but lost the arm in Afghanistan. Another is a the classic high school spring-break ink. Another is an inside joke. Another, deeply personal sorrow. Regrets? Some. I'm having my crappy spring-break ink re...
by Sic Vis Pacem
Wed Mar 20, 2019 11:30 am
Forum: Investing - Theory, News & General
Topic: Favorite investment quote
Replies: 73
Views: 4559

Re: Favorite investment quote

This one stuck with me for some reason. I just love the analogy. From Forum member Steadfast: "My portfolio is a beast of its own. It does its thing, I do mine. I can make or lose many thousands of dollars in a day, depending on what the market does. My contributions are mostly meaningless. The beas...
by Sic Vis Pacem
Sun Mar 03, 2019 9:07 pm
Forum: Personal Investments
Topic: When does the power of compounding interest really kick in?
Replies: 53
Views: 6923

Re: When does the power of compounding interest really kick in?

I am looking for a $ amount, if that's feasible. Was there a certain point that you noticed your investments really start to gain traction, from what you remember? I realize this may be difficult to answer as we have up and down years. Just curious. Currently at $350k. The jump from $200k to $300k ...
by Sic Vis Pacem
Tue Jan 29, 2019 9:34 am
Forum: US Chapters
Topic: How Did You End Up Here?
Replies: 65
Views: 5597

Re: How Did You End Up Here?

Started in 3rd year of law school when I started planning on how to actually pay down the 6-figure (and growing) debt that I'd accrued. Got hooked on MMM, read the blog front to back. MMM was my first taste of really thinking about money and investing, but I could never get fully onboard with the ha...
by Sic Vis Pacem
Mon Jan 21, 2019 10:08 pm
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 15048

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

I'll add a vote for prAna. I wore the prAna Stretch Zion for about 80% of my hike on the Inca trail and they were amazing. Added a pair of the Zioneer pants when I went to Greece as I understood the local custom in certain areas frowned on shorts. These two pairs have become my go to for travel and ...
by Sic Vis Pacem
Thu Jan 17, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 83
Views: 10644

Re: Who's flying?

I've done Milwaukee, Nashville, Minneapolis, and Detroit in the last week and a half. All running normally.
by Sic Vis Pacem
Thu Jan 10, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 63
Views: 6039

Re: MMORPG games

Got seriously hooked in high school on EQ. Was in a top ranked world famous guild. This drastically effected my studies and life through year 2 of college when a computer issue forced me offline for a few weeks. That break and the readjustment that came was the catalyst for me to make some changes....
by Sic Vis Pacem
Wed Jan 09, 2019 3:12 pm
Forum: Personal Investments
Topic: High Income for First Time, Kid on the Way, and I'm Overwhelmed with My Options (Long)
Replies: 43
Views: 3886

Re: High Income for First Time, Kid on the Way, and I'm Overwhelmed with My Options (Long)

Attorney here also. I'm a bit older and with a good firm, so I readily appreciate this advice may be less applicable with your solo practice. But... pay off the loans. Forget the hard numbers for a minute (I know, this is Bogleheads, stay with me. Plenty of other posters can help you there). You may...
by Sic Vis Pacem
Mon Jan 07, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Bedding (sheets) recommendations - having terrible experience finding quality sheets
Replies: 35
Views: 3143

Re: Bedding (sheets) recommendations - having terrible experience finding quality sheets

I'll add to the chorus on Brooklinen. We have the classic percale for Summer and the luxe sateen for Winter (Upper Midwest). We've had both for maybe a year and a half with no pilling, and they seem to keep getting softer.
by Sic Vis Pacem
Thu Jan 03, 2019 2:44 pm
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 234
Views: 30235

Re: Social Security for Millennials

Am I a millennial? I'm 38. You're at the edge, as others noted a "cusper". I might concede that if you're offended by being lumped in with "millennials" then maybe you're Gen-X... then again, being easily offended would be a very millennial trait :P :D :wink: Perhaps you would prefer Xennial? https...
by Sic Vis Pacem
Sun Dec 30, 2018 9:20 am
Forum: Personal Investments
Topic: New to Bogleheads - Portfolio Review (1st baby on the way)
Replies: 20
Views: 2451

Re: New to Bogleheads - Portfolio Review (1st baby on the way)

Increase your life insurance ALOT (20 year term). Also consider disability insurance. If you want to retire in the next 20 years or so (or god forbid you are forced to), definately need to increase savings rate in retirement funds to 30%+. Max HSA, 401k, 2 Roth IRAs and then start a taxable account...
by Sic Vis Pacem
Sat Dec 29, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1091
Views: 307124

Re: What is your Year 2018 networth change?

Increased NW a little more than 3X, but a major portion of that was an inheritance. Backing out the inheritance, increased NW by just shy of six figures, which was a goal for 2018. Almost increased as much as last year, but December brought me a bit below 2017 increase. All in all, quite the change ...
by Sic Vis Pacem
Wed Nov 28, 2018 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Financial goals for 2019 (specific)
Replies: 83
Views: 8190

Re: Financial goals for 2019 (specific)

(1) Encourage DW to finish The Boglehead's Guide to Investing and buy into and agree on The Course.
(2) Stay The Course.
(3) Max 401K, HSA, and BD Roth IRA's
(4) 50k in taxable contributions
(5) Stop checking market information more than once a week
by Sic Vis Pacem
Sun Nov 25, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 94
Views: 7599

Re: Is good, quality luggage worth the price?

Our strategy? Observe what the pilots and flight crew use and buy that. Ended up with a medium grade travelpro that we both love,
by Sic Vis Pacem
Fri Nov 23, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 6351

Re: New TV Recommendations Please?

I'll add to the chorus on a good OLED TV. LG has the most experience in this field and their blacks really must be seen to understand (and no, you cannot do this in the store as there is way too much bright white ambient light). My upstairs neighbor just picked up the new Samsung QLED model and I'm ...
by Sic Vis Pacem
Thu Nov 22, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Looking for a car that can handle a long commute, any suggestions?
Replies: 74
Views: 5642

Re: Looking for a car that can handle a long commute, any suggestions?

I would look into a VW Jetta or Passat TDI. If you look into the decisions handed down by USA courts, the boilerplate wording in the warranty VW was forced to supply is pretty neat....for me. My 2015 TDI Passat has nearly every major component under complete warranty for 12 years, or 162,000 Miles....
by Sic Vis Pacem
Wed Nov 14, 2018 11:17 pm
Forum: Personal Investments
Topic: Ok Bogleheads, I'm in... First post
Replies: 15
Views: 3922

Re: Ok Bogleheads, I'm in... First post

I may have missed this in your summary, but how large is the mortgage?
by Sic Vis Pacem
Wed Nov 14, 2018 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: DCA – change of tune, loss of nerve, and how to time?
Replies: 55
Views: 3154

Re: DCA – change of tune, loss of nerve, and how to time?

My date will be the third Thursday of the month, not for any reason other than alliteration.
I have a standing lunch with some friends on the same day for the same reason. :sharebeer
by Sic Vis Pacem
Wed Nov 14, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: DCA – change of tune, loss of nerve, and how to time?
Replies: 55
Views: 3154

Re: DCA – change of tune, loss of nerve, and how to time?

My wife and I recently found ourselves in a similar position, only the unexpected amount of new money was a little more than double our existing net worth. We too decided to DCA into a three fund portfolio. (Yes, I've read the studies and understand the math, and we're happy with the decision). We w...
by Sic Vis Pacem
Tue Nov 13, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 4226

Re: Feeling uneasy about recent splurge

Spend your money where you spend your time. A good mattress, good shoes, and a good chair (if you're in an office) are all well worth the money in my opinion.
by Sic Vis Pacem
Fri Nov 09, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Alcohol related gift idea - nice glasses for drinking spirits?
Replies: 17
Views: 1611

Re: Alcohol related gift idea - nice glasses for drinking spirits?

Whiskey drinker here. The suggestions above are excellent. If you're looking for something a little more unusual, I really like the Norlan whiskey glass. https://norlanglass.com/ It wouldn't work if you're friend usually drinks on the rocks, but they are great and really nice looking for neat drinks...
by Sic Vis Pacem
Wed Nov 07, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 712
Views: 122588

Re: High Earners - What's Your Profession?

Lawyer (associate), AMLaw 200 firm in the Midwest at $180k, plus merit bonus depending on the year. My wife is a dietitian by training, M.S. in regulatory affairs, and has very recently landed a +100k job as a regulatory affairs manager for a smallish food manufacturer. We're both 34 and anticipate ...
by Sic Vis Pacem
Wed Nov 07, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 127
Views: 15026

Re: How much money did you receive from family? (Gifts/inheritance)

My parents paid for approximately half of my undergraduate tuition, as my wife's parents (mom and stepdad) did for her. Each side also gifted us $15,000 for our wedding/honeymoon, which certainly allowed us to have a larger wedding and more exotic honeymoon than we would have had we footed the entir...
by Sic Vis Pacem
Thu Nov 01, 2018 8:19 am
Forum: Investing - Theory, News & General
Topic: 401k down 8% this month
Replies: 58
Views: 7200

Re: 401k down 8% this month

dm200 wrote:
Tue Oct 30, 2018 11:48 am
When I had 401ks, etc. at work - I followed the same "practice" that my wife says is OK regarding other women:

Look all you want, just do not touch!
+1
:sharebeer
by Sic Vis Pacem
Fri Sep 14, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 12244

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

With all sincerity, it is so cool when someone has the right fit and really thrives and enjoys their work. I like to call that a vocation. It seems fairly rare. Personally, I ended up in law by default because back in the day someone who had high academic performance, at least in my world, gravitat...
by Sic Vis Pacem
Tue Aug 28, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: How do you make use of this boglehead.org?
Replies: 20
Views: 2444

Re: How do you make use of this boglehead.org?

Learning what to learn about.