Search found 707 matches

by TSR
Tue Nov 20, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 100
Views: 9518

Re: Weigh in on our Marital Argument =)-- HCOL edition

Other questions people have asked: why do we let our parents stay with us? Well, we are 1st gen Asian immigrants (me as a kid, husband as a teen) with parents who lived in near poverty to save to send us to college. In Asian culture, it’s a grave insult to ask elderly parents to stay somewhere else...
by TSR
Thu Nov 15, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual nightmare - help needed
Replies: 55
Views: 4918

Re: Northwestern Mutual nightmare - help needed

3) With regard to retirement contributions - my "advisor" has had me contributing 12,600 a year to my 403b (which is all Vanguard Target 2050) but these have been Roth 403b contributions - does this make any sense? Doesn't this mean I am paying taxes on this money now? I understand the basic concep...
by TSR
Fri Nov 09, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Federal Employees Dental and Vision Insurance Program (FEDVIP) dental coverage
Replies: 14
Views: 1304

Re: Federal Employees Dental and Vision Insurance Program (FEDVIP) dental coverage

Not your question, but wanted to make sure you were aware that the GEHA HDHP medical plan covers two teeth-cleanings per year as part of the coverage of preventive care. Because it's preventive, you don't need to spend your deductible before accessing those. For a family of four, say, this is a sub...
by TSR
Thu Nov 08, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: College graduation gift amount
Replies: 25
Views: 1784

Re: College graduation gift amount

A lot of the responses to this are expressing the values of the responders, not so much the practical realities of the question. The best answer to "what should I give someone" always involves an analysis of "what are their needs and wants," and "what am I willing and able to provide?" What's your k...
by TSR
Tue Nov 06, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10556

Re: This man can predict when bubbles burst: time to time the market?

You might (re)watch The Big Short. Christian Bale's character, Michael Burry, is depicted as the "hero" for having predicted the real-estate bubble and hedging big on it, thus making billions. But there's another way to watch the film: he waits around for years for the crash he thought would happen ...
by TSR
Tue Nov 06, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with windfall
Replies: 34
Views: 2664

Re: What to do with windfall

I'll also admit that it was a (quite irrational) determination to not do to her what my parents did to me by promising to help and then doing nothing for college. Not irrational at all. Nobody wants to saddle their kids with debt. You'll be happy to have that money growing, and it'll be nice to con...
by TSR
Tue Nov 06, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with windfall
Replies: 34
Views: 2664

Re: What to do with windfall

I find myself agreeing with Meg AND delamer, despite their different recommendations. Meg's point (reading between the lines) is that kickstarting your retirement savings is equally as important as paying down those debts. The debts feel high, but you're losing access to use-or-lose retirement space...
by TSR
Tue Nov 06, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Son has job offer in Nashville, can he survive on base of 33K
Replies: 16
Views: 2472

Re: Son has job offer in Nashville, can he survive on base of 33K

I'd anticipate he'll thrive. The number of young, hip kids who make much less than that here is astonishing (lots of musicians, as you'd imagine). Parking really has gotten out of hand downtown, but if he's working in the heart of things then he really can get on a decent bus route (take a look at t...
by TSR
Fri Nov 02, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: What is an "advanced" investor?
Replies: 34
Views: 2578

Re: What is an "advanced" investor?

I think you can tell an "advanced" investor by how much people on this site listen to him or her. To me, those people not only know and internalize the basic investment principles of the Bogleheads philosophy, but they also understand the various externalities, opportunity costs, and real-life impac...
by TSR
Fri Nov 02, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Federal Employees Dental and Vision Insurance Program (FEDVIP) dental coverage
Replies: 14
Views: 1304

Re: Federal Employees Dental and Vision Insurance Program (FEDVIP) dental coverage

wanted to make sure you were aware that the GEHA HDHP medical plan OP is on Tricare so this isn’t an option. However, for run of the mill feds this is an important fact to note (absent specific health needs that you’re trying to cater to, GEHA HDHP is far and away the best coverage available). Ah. ...
by TSR
Thu Nov 01, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Federal Employees Dental and Vision Insurance Program (FEDVIP) dental coverage
Replies: 14
Views: 1304

Re: Federal Employees Dental and Vision Insurance Program (FEDVIP) dental coverage

Not your question, but wanted to make sure you were aware that the GEHA HDHP medical plan covers two teeth-cleanings per year as part of the coverage of preventive care. Because it's preventive, you don't need to spend your deductible before accessing those. For a family of four, say, this is a subs...
by TSR
Thu Nov 01, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Am I Risking My Life to Sell My Car?
Replies: 37
Views: 4667

Re: Am I Risking My Life to Sell My Car?

If it were me I would drive to CarMax and tell them about the tire.
by TSR
Wed Oct 31, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Investment/Retirement Mentality - Home Purchase
Replies: 14
Views: 596

Re: Investment/Retirement Mentality - Home Purchase

Embedded somewhere in your post is a variation on the "can I afford this" question, and we don't have enough information to answer that. But I'm really wary of looking at home equity as any sort of "investment." As an example, I live in a hot real-estate market right now, so my home is worth a lot m...
by TSR
Mon Oct 29, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Washing machine/dryer shopping
Replies: 38
Views: 2860

Re: Washing machine/dryer shopping

Buy used. Spend $200. Realistically you are likely going to be leaving whatever you buy there once you move (with the permission of the landlord, who will be happy to let you do it). Just get a fairly low end model that washes clothes without much more. Be prepared to transport the things (rent a pi...
by TSR
Fri Oct 26, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: Compounding interest?
Replies: 51
Views: 5316

Re: Compounding interest?

In most savings accounts interest compounds daily, and is paid monthly or quarterly. Mutual funds have returns , but not interest. They compound, but sometimes it's up and sometimes down. Over periods of time much longer than a day, or a month or quarter, or year, most returns have been upward. Hav...
by TSR
Fri Oct 26, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 4783

Re: What Memberships/Subscriptions Are Most Valuable To You?

Agreed on Netflix/Spotify in general. Too much content on Netflix these days, but that's not too terrible a problem to have. I'll just add:

Google Fiber internet -- never had it this good.
by TSR
Thu Oct 25, 2018 2:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: Who/what made the helpful culture of Bogleheads?
Replies: 29
Views: 1950

Re: Who/what made the helpful culture of Bogleheads?

Moderators, definitely, and the no-politics vibe that they enforce. What a joy to go somewhere these days and not have everything reduced to politics. Of course that can feel artificial (certainly politics play an important role in finances), but it's such a brilliant policy for giving and getting a...
by TSR
Tue Oct 23, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: TSP and Vanguard
Replies: 24
Views: 2060

Re: TSP and Vanguard

Are you only contributing to the match in your TSP because that's all you can afford, or because you think you'll do better elsewhere? I'd strongly encourage you to set your TSP account to one of the L funds appropriate for your desired asset allocation and load it up as much as possible. If you wan...
by TSR
Fri Oct 19, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30237

Re: High End Wrist Watches (Gone Crazy)

Seems like there are lot of cool technology watches out there in the $300-$1000 range now that actually DO stuff. I'm curious if people who love watches are more interested in moving towards Garmin or Apple or other watch manufacturers that make fitness/GPS/marine/airplane/etc watches. A guy I know...
by TSR
Thu Oct 11, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 56
Views: 4454

Re: Best headphones under 500 bucks

c.coyle wrote:
Thu Oct 11, 2018 10:03 am
EDIT: The Beyer velour pads solve the problem of the original plastic pads.
I'm glad to hear this!
by TSR
Thu Oct 11, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 56
Views: 4454

Re: Best headphones under 500 bucks

Sony is still making the MDR-V6 after 30 years, which means people are still buying them. Must be a reason. Flat response. Closed back for no leaking sound. Comfortable. Replace the factory vinyl earpads with some Beyer velour pads, and you will be very happy with the sound, comfort, and the left o...
by TSR
Tue Oct 02, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Best neighborhoods in Atlanta
Replies: 45
Views: 3518

Re: Best neighborhoods in Atlanta

Drive 100 miles from downtown in any direction and start looking there. I can't even stand driving through Atlanta. ive lived in atlanta and currently live in not-atlanta, georgia. ive been surprised at how much everyone from not-atlanta HATES atlanta. are other states this way? it is astounding to...
by TSR
Tue Oct 02, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Best neighborhoods in Atlanta
Replies: 45
Views: 3518

Re: Best neighborhoods in Atlanta

Used to live in Atlanta and loved it. You're looking in the right places. Thoughts that echo a lot of other people's: --Inman Park --Cabbagetown (where I lived -- the absolute best) --Grant Park --Candler Park --Decatur --Virginia Highlands (this is a bit "preppy" for my tastes, but yours may differ...
by TSR
Tue Oct 02, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Adult kids getting help from parents
Replies: 36
Views: 2290

Re: Adult kids getting help from parents

OP generously specified that there was "no judgment" in the question, but a lot of answers appear to express a lot of judgment. I suppose this is an emotionally charged "identity issue" with a lot of people, and likely with a lot of very financially responsible people. To answer: I am within the spe...
by TSR
Fri Sep 28, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 5536

Re: Bosch dishwasher odor

Came across this and thought I'd add it given the "why would anyone buy Bosch" posts above. "Americans prefer the German brand Bosch when it comes to their large appliances, according to the results of a consumer satisfaction report released Tuesday. Bosch scored an 83 out of 100 on the American Cu...
by TSR
Wed Sep 26, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Helping a sibling
Replies: 26
Views: 3143

Re: Helping a sibling

They are a little dated, but these videos really helped me, and I have shown them to a few other people, some of whom were instantly converted:

https://www.bogleheads.org/wiki/Video:B ... philosophy

(Note: some were not, of course.)
by TSR
Tue Sep 25, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Electric Shaver/Beard Trimmer
Replies: 21
Views: 1851

Re: Electric Shaver/Beard Trimmer

Sorry, I'm not sure I understand the question. Do you want (1) something you can use as a beard trimmer; (2) something you can use as an electric razor -- i.e., against the skin -- sometimes when the hot water is out (or for whatever reason); or (3) something you can use for both? If it's (1), then ...
by TSR
Mon Sep 17, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Need help in solving Tenant landlord issue
Replies: 26
Views: 2446

Re: Need help in solving Tenant landlord issue

A few thoughts: 1. How many apartments does your landlord own? Often there are provisions for triple the damages for people who own many units. This could make litigation worthwhile. 2. Document everything. 3. Small-claims court might make some sense here -- you can draft everything up yourself and ...
by TSR
Wed Sep 12, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16036

Re: iPhone XS Max

$1100 for the cheapest iPhone Xs Max at 64 gigabytes of storage. No. Just, no. There is no conceivable feature Apple could add on top of the basic required functionality that would justify this price. I'll keep my $200 32Gb iPhone SE. It still works just fine. I love the size of my SE, but it has b...
by TSR
Tue Sep 11, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10352

Re: Anyone else not save for cars?

Based on numerous worries about future expenditures (car, roof, etc.) and some encouragement from Bogleheads, I decided a few years ago to increase my emergency fund to $50,000. I have found that I feel very comfortable with this amount of money lying around in a savings account -- it doesn't feel l...
by TSR
Thu Sep 06, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Psychology of saving for college vs retirement
Replies: 66
Views: 4101

Re: Psychology of saving for college vs retirement

Have the kid out the loan, if you are in a position to help pay it after graduation then do so. Right. This idea that "it's unrealistic to cash-flow $30,000/yr" is pretty unhelpful when you realize that you can cash-flow your kids' college many years after they've graduated if you have them take on...
by TSR
Thu Sep 06, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Student loan payoff help
Replies: 19
Views: 1910

Re: Student loan payoff help

As for how to do it, just pick off those high-interest loans one at a time until they're done. Then go after the smaller ones. The problem is they can't payoff the loans directly - the lender won't allow extra principal payments. Take the $3004 loan. If they send a check for $3004 for that loan, th...
by TSR
Wed Sep 05, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan payoff help
Replies: 19
Views: 1910

Re: Student loan payoff help

Sounds like you need some perspective more than you need advice: You two have $145,000 in yearly income and ~$37,000 in student loans. You're going to be fine. Most of the refinancing places are offering at best 4.0% rates on loans these days if you're eligible, right? So realistically you've only g...
by TSR
Fri Aug 10, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Post Mortem Settlement
Replies: 59
Views: 4650

Re: Post Mortem Settlement

This is interesting and helpful. This sounds complicated but not necessarily more so than most. I'd be interested in hearing updates. Thank you, and condolences for your loss.
by TSR
Tue Jul 31, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to prepare for "the talk"
Replies: 64
Views: 5295

Re: How to prepare for "the talk"

Have you considered offering to pay off the hospital bill from when you were born? :wink: Really, when someone gives me a gift, I assume they will be offended if I offer to pay for it. You are generous to bring this subject up, and after bringing this up you may all agree that you ought to help, but...
by TSR
Fri Jul 27, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Wheres a good store to buy Sports Coats?
Replies: 11
Views: 1042

Re: Wheres a good store to buy Sports Coats?

The key thing is to know what size you actually wear. Go to a Jos. Bank or Brooks Brothers store, have them measure you, and try on some different coats. A lot of companies have multiple "cuts": slim, tailored, traditional, etc. Find out which one suits you best. A slim fits me really well, but I'm ...
by TSR
Mon Jul 16, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 82
Views: 4726

Re: Have you ever purchased a pricy musical instrument?

I have purchased a nice studio upright piano. I have also purchased numerous guitars in the $2,000-$3,500 range (I don't collect, but I do tend to rotate through). A few thoughts: 1. I have always bought used, almost always from respected stores. That's where the value is to me. 2. I get a great dea...
by TSR
Wed Jul 11, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 49
Views: 7958

Re: Trust Help From Cruel Stepmother

Unfortunately I know this is a common situation and I am sooo sorry to read how devastated stepchildren are when the stepmother takes everything, especially when it was intended to go to the children. Any update OP I too would like to hear an update on this situation. Hope it's working out somehow.
by TSR
Wed Jul 11, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 6117

Re: Anyone take naps at work?

I'm an attorney and an inveterate work napper. A few thoughts: 1. For most of my career I've had an office with a door that closes (currently my door locks as well, which is helpful). Napping is very difficult without a closed office. 2. The key question for workplace naps is whether you are a quick...
by TSR
Tue Jul 10, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Crock Pot Recipes
Replies: 19
Views: 1990

Re: Crock Pot Recipes

This is a surprisingly good chicken tortilla soup recipe that takes little effort (other than chopping things):

http://kambricrews.com/an-easy-recipe-t ... ss-anyone/
by TSR
Fri Jul 06, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Need opinion on buying a Lakewood guitar
Replies: 18
Views: 1317

Re: Need opinion on buying a Lakewood guitar

You're all making me second guess myself :D . I thought I've done enough research to settle down on a Lakewood. Just to give some background. I enrolled and learned classical guitar when I was very young, and I played guitar for my church choir until I left for college. After that I stopped playing...
by TSR
Thu Jul 05, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 3513

Re: Coffee Grinder recommendations

I own the Capresso too. It's not the highest-end thing you can buy, but damned if it don't grind coffee beans the right size every time. If you want to spend $400 on this stuff you can, but this one's pretty ok.
by TSR
Mon Jul 02, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 49
Views: 7958

Re: Trust Help From Cruel Stepmother

If there is a trust, and the stepmother is the trustee, and the trust directs that funds/items go to the children, then the stepmother is obligated to follow those directions. But there is no independent enforcement. As the trustee, she can do what she wants and as long as no one else knows what sh...
by TSR
Fri Jun 29, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4417

Re: Any Reason to Keep My "Landline" Phone?

Semi-serious answers about the only places I've seen landlines become an issue lately: 1. Probation officers often require that an individual have a landline when they are on an ankle monitor. 2. Some regulatory agencies require them for compliance. Example: Friend who owns a bar had to install an e...
by TSR
Thu Jun 28, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Need opinion on buying a Lakewood guitar
Replies: 18
Views: 1317

Re: Need opinion on buying a Lakewood guitar

Any Bogleheads guitar players own or have played a Lakewood guitar? I know some members prefer Taylor and Martin guitars, but I’m looking to buy a grand concert acoustic guitar from Lakewood (M-32 CP). I currently own two cheap guitars, an acoustic and a nylon guitar. My goal is to get one premium ...
by TSR
Wed Jun 27, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Another should we buy this So. Cal house thread...
Replies: 42
Views: 2371

Re: Another should we buy this So. Cal house thread...

[snip] We've met with financial advisors, tax specialists ect., who tell us that this decision is OK, however, I'm doubting it and ready to pull our contract and run . [snip] I must have missed this in the discussion or misunderstood, but what does the bolded language mean? Are you under contract? ...
by TSR
Tue Jun 19, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: [Update] Grand Canyon or other Nat'l Park in October?
Replies: 49
Views: 3524

Re: [Update] Grand Canyon or other Nat'l Park in October?

Look into buying a national park pass, but the entrance fee is good for a week if you don't go to any other parks. As a retiree, I'm not familiar with the annual ones now. If the Park lodging doesn't have what you want, there is also significant lodging immediately outside of GC, in Tusayan. You co...
by TSR
Tue Jun 19, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: [Update] Grand Canyon or other Nat'l Park in October?
Replies: 49
Views: 3524

Re: [Update] Grand Canyon or other Nat'l Park in October?

UPDATED to add that our request for back-country permits was denied! Their suggestion in the email was that we try to apply next year in the earliest window possible, which happens to be the window in which we applied this time. Sigh. I'm aware of the possibility of same-day permits, but I'm not sur...
by TSR
Fri Jun 15, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 55
Views: 6923

Re: Contractor - Threatening Lien/Lawsuit

Lawyer here. I am absolutely not giving you legal advice because I don't know what state you live in, nor have I read the "contract," but I'll give an at-first-blush personal opinion: There is a good chance that you had a binding contract of some sort or at least an enforceable promise (although the...
by TSR
Thu Jun 14, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17670

Re: Should I take possession of a certified mail?

I agree with the general sentiment that I'd sign for a letter if it came to me (I do not, however, know that I'd go to the post office just to have the pleasure of hearing from a frustrated person). But I disagree that acceptance of such a letter is legally irrelevant. Due process requires effective...