Search found 585 matches

by TSR
Fri Oct 06, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan/investing advice
Replies: 5
Views: 350

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: 1209

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: 3348

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: 2037

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: 2037

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: 6284

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: 6284

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: 6284

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: 962

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: 1081

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: 3758

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: 1713

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: 1957

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: 1713

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: 1713

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: 1713

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: 4141

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: 3357

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: 1773

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: 7226

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: 3226

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: 8710

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: 19
Views: 1785

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: 2419

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: 7313

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: 1014

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? 8 Month Update
Replies: 165
Views: 19301

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? 8 Month Update
Replies: 165
Views: 19301

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: 3145

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: 2306

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: 1297

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: 2478

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: 2592

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: 9746

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: 9746

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: 3226

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: 9746

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: 9746

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: 9746

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
Thu May 25, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 9746

Re: Suits: best bang for your buck?

One issue is that I wear a 38 Long, which means that a lot of places don't carry my size in their regular lines (retailers like J. Crew, for example). I also like slim fitting suits. I read this a couple times before I realized the 38 long was based on your stature, not the nature of your clients, ...
by TSR
Thu May 25, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Thoughts on (fear of?) investing: money won vs. money earned
Replies: 27
Views: 2271

Re: Thoughts on (fear of?) investing: money won vs. money earned

I was thinking about this the other day. I can imagine a scenario in which I might inherit, say, somewhere between $100,000 and $300,000 -- a substantial windfall but not exactly generational wealth. I suspect that I would feel somewhat embarrassed by this change in circumstance, and that this embar...
by TSR
Thu May 25, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 9746

Re: Suits: best bang for your buck?

Thanks for all the great ideas -- I really appreciate it!
by TSR
Wed May 24, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 9746

Re: Suits: best bang for your buck?

I need to update my wardrobe by two or three suits. I'm an attorney and so need something for the courtroom, but by no means do I care about "projecting authority" or appearing flashy to clients or to a jury -- I just need something that looks sufficiently professional and will blend in (just trust...
by TSR
Wed May 24, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 9746

Suits: best bang for your buck?

I need to update my wardrobe by two or three suits. I'm an attorney and so need something for the courtroom, but by no means do I care about "projecting authority" or appearing flashy to clients or to a jury -- I just need something that looks sufficiently professional and will blend in (just trust ...
by TSR
Mon May 22, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Replace timing chain based on miles or years? [ignore]
Replies: 18
Views: 1594

Re: Replace timing chain based on miles or years?

Thanks to everyone. It's a little hard to search online because the 4-cyl '06 models have chains and the 6-cyl '06 models have belts, so I was misinformed about the need for replacement. (It helps that I am a dummy with cars, which is why I bought the Accord in the first place!)
by TSR
Mon May 22, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Replace timing chain based on miles or years? [ignore]
Replies: 18
Views: 1594

Replace timing chain based on miles or years? [ignore]

I have a 2006 Honda Accord coupe. It's a four-cylinder engine, which I understand means that it has a timing chain rather than belt. I don't drive much, so although it is 11/12 years old, it only has 80k miles on it. One is supposed to change the timing chain every 105k miles or every 7 years. In ot...
by TSR
Thu May 18, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: garage door problem
Replies: 25
Views: 1917

Re: garage door problem

I had a broken spring recently, and that does indeed sound like what it is. The torsion spring is usually directly above the door, either on the side, both sides, or in the middle. There are a lot of youtube videos about removing such a thing, but it really is a powerful spring and not something I'd...
by TSR
Mon May 15, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Work Colleague Wedding Group Gift: How Much ?
Replies: 8
Views: 1152

Re: Work Colleague Wedding Group Gift: How Much ?

$20.00 -- you're contributing to a larger pot, right?
by TSR
Wed Apr 26, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice: Pay off student loan or ???
Replies: 16
Views: 1503

Re: Seeking advice: Pay off student loan or ???

You are correct about the "possibly doesn't matter" at those rates, with one exception: are you maxing out ALL tax-advantaged funds? Like, 401k, Roth, HSA, 529, etc? If not, then at those low interest rates I believe you will do much better if you put the money toward maxing those out (wel...
by TSR
Tue Apr 25, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: Unwinding all positions and buy back after French Elections
Replies: 55
Views: 6305

Re: Unwinding all positions and buy back after French Elections

yes =) ...But even if you get back in the market @ the same levels you got out, you basically payed 7bps to protect yourself against a major collapse of your portfolio. Sounds cheap for an insurance. The edge you have in political-driven events is that you currently know when to get out & in .....