Search found 670 matches

by TSR
Wed Jul 11, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 49
Views: 7579

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: 5276

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: 1742

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: 1166

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: 2871

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: 7579

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: 3950

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: 1166

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: 2084

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: 3199

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: 3199

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: 6521

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: 16674

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...
by TSR
Mon Jun 11, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Amsterdam
Replies: 12
Views: 900

Re: Amsterdam

I enjoyed a trip to the Netherlands a couple of years ago and spent a few days in Amsterdam. A few thoughts: 1. A bike tour of the city was a really nice way to see things if you have decent stamina (you don't need much stamina as there are not really any hills). 2. The Anne Frank House has crazy li...
by TSR
Fri May 25, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Rum and Summer Cocktails
Replies: 30
Views: 2079

Re: Rum and Summer Cocktails

You've already asked about tequila, so perhaps this is off topic, but the best bang-for-your-buck summer cocktail in my opinion is the 2-1-2: https://www.seriouseats.com/recipes/2011/06/time-for-a-drink-the-two-one-two-tequila-aperol-cocktail-recipe.html The ratios are right there in the name, it's ...
by TSR
Thu May 24, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy a new car?
Replies: 46
Views: 2988

Re: Should I buy a new car?

You and your partner have a two-year-old car and an eight-year-old car, both working fine, and it's time for both of you to upgrade? This to me suggests that you're at risk of having financial struggles related to cars all your life. The typical "boglehead" advice is to buy a car and run it into the...
by TSR
Wed May 23, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Car wreck insurance settlement
Replies: 19
Views: 1614

Re: Car wreck insurance settlement

Ask friends and maybe nextdoor.com for a lawyer referral I read on here that you might expect a settlement of 3x the medical bills. 1/3 of that repays your insurer Do you mean 1/3 pays your attorney? The insurer shouldn't be getting a percentage contingency...? RM The insurer already owns part of a...
by TSR
Tue May 22, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6182

Re: How have you upgraded your wardrobe?

Shoes are really important. I spend 4-500 per pair (on sale) for a brand that fits me very well, and I have about 5 pairs altogether. I can walk for miles in these shoes without discomfort and they are extremely durable. I started this about 8 or 9 years ago and I still wear my first pair--they loo...
by TSR
Wed May 16, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: [Update] Grand Canyon or other Nat'l Park in October?
Replies: 49
Views: 3199

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

JaneyLH wrote:
Tue May 15, 2018 11:49 pm
I would vote Yosemite, Yosemite, Yosemite. Mid-October is beautiful there.
I was there a year ago in July and it was just about the most incredible thing I've seen. I imagine I'd prefer October for the weather.
by TSR
Tue May 15, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: [Update] Grand Canyon or other Nat'l Park in October?
Replies: 49
Views: 3199

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

An interesting question is how much do you want to drive? With an answer from the OP, the board could really help with options. The American Southwest is a fantastic area, with options beyond what you could fit in one trip. Years ago, living in the west, my parents visited me and we did a big circl...
by TSR
Mon May 14, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: [Update] Grand Canyon or other Nat'l Park in October?
Replies: 49
Views: 3199

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

October is maybe the best time of year to do a rim to rim trip in the Grand Canyon, as the North Rim is still open. I've done the trip several times. Here's what I would recommend. 1. It should be early enough to get back country reservations, if so fly into Vegas and leave from the South Rim. Get ...
by TSR
Mon May 14, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: [Update] Grand Canyon or other Nat'l Park in October?
Replies: 49
Views: 3199

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

I visited in April 2017 and hiked from the South Rim to the bottom of the canyon and back. I think October is a good time to go - it's not super hot and won't be packed with tourists. If the Grand Canyon 1. Best way to get there? We'll both be flying from the east cost. Is there a best/cheapest/eas...
by TSR
Mon May 14, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: [Update] Grand Canyon or other Nat'l Park in October?
Replies: 49
Views: 3199

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

I'm having a "significant" birthday this year, and my s/o and I would like to celebrate with some sort of national park trip. A little cliche, but we're thinking the Grand Canyon. We are open to other suggestions. Given work schedules, we can potentially travel between (and including) 10/5 and 10/9,...
by TSR
Mon May 14, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Is Whole Life Insurance Worth It?
Replies: 54
Views: 4212

Re: Is Whole Life Insurance Worth It?

Big emphatic no. I have watched several people who have purchased whole life from a friend come to realize that the person was not as good a friend as they thought. To be fair, I truly believe that 95% of people who sell whole life actually believe that it's a good investment, even though it is abso...
by TSR
Mon May 07, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 6473

Re: When to buy new underwear?

Is anyone else upping their underwear ante? I did the Hanes, fruit of the loom thing my entire life, but my latest purchases was for some of the higher cost brands with the micro-model materual.They are nice, but not sure that it was worth the extra $. Everyone seems to be wanting to upsell on the ...
by TSR
Thu May 03, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 3768

Re: Not Wasting Food

I barely waste anything, and that is including the tops and bottoms of veggies and poultry bones. I save chopped bits/ends of onion, celery, carrots and such in a freezer bag and when I have a full bag, I dump it into my slow cooker with a dash of salt and pepper and maybe some thyme or rosemary an...
by TSR
Wed May 02, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: EMs in TSP's I fund: New AA for TSP and Roth IRA?
Replies: 9
Views: 652

Re: EMs in TSP's I fund: New AA for TSP and Roth IRA?

I do a variation on Option A and think that's easier for me. (I technically hold a three-fund portfolio in my Roth that I rebalance, but that's just because I don't have Vanguard target funds in that Roth.) I'd vote for that.
by TSR
Wed May 02, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Asheville, NC Visit
Replies: 20
Views: 1954

Re: Asheville, NC Visit

Go ahead and get a reservation for The Admiral today. One of the better meals I've had in my life, at a pretty reasonable price. The other option is to go in there right when they open and you can probably get a seat at the bar. But seriously, that's the spot for food.
by TSR
Fri Apr 20, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: “The Smell of Retiree Mon$y...”
Replies: 57
Views: 8692

Re: “The Smell of Retiree Mon$y...”

This isn't as much about a right to privacy as a right to be appreciated for the donations you feel comfortable making and not have them attempt to guilt you for the endless amount of money they want you to give. Think of it as the same as the coworker who only wants to hang out when you are the on...
by TSR
Wed Apr 18, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Suddenly I had a weird bill go to collections - what's my course of action?
Replies: 36
Views: 3475

Re: Suddenly I had a weird bill go to collections - what's my course of action?

LiterallyIronic wrote:
Sun Apr 15, 2018 2:02 pm
I can't confirm what contact info they have on file, but I wouldn't be surprised if the address and phone number are something like 123 Main Street and 867-5309.
I don't know about the address, but I'm guessing the debt collector got your number on the wall...
by TSR
Fri Apr 06, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3988

Re: How often do you replace your office shoes?

I tend to purchase nice ($100-300) walking-style shoes, and they last me 2-3 years (I walk maybe 16 blocks per day as part of my commute). My dress shoes for my suits last me much longer -- 8-10 years?
by TSR
Wed Apr 04, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on approach to student loans
Replies: 16
Views: 1100

Re: Thoughts on approach to student loans

I would say go ahead and pay off the loans, but that is only assuming that you are maxing out all tax-advantaged investment vehicles. The tax benefits you can get from a 401k or a Roth are tremendous benefits that likely exceed any numerical benefits to either approach, and they are use-or-lose in n...
by TSR
Fri Mar 30, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Checklist for Parents of Incoming Freshmen/To-Be Adult
Replies: 67
Views: 4440

Re: Checklist for Parents of Incoming Freshmen/To-Be Adult

Tax returns :oops: This is a real thing. I did work-study during the year and my mom was kind enough to send me all the tax forms, but I definitely would not have done it on my own. My dad had also set up a Roth for me that was funded to the tune of about $1,000. It took some hectoring to remember ...
by TSR
Thu Mar 29, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Mystery: Gas bill says therms increased 33% year over year but temperature stayed the same. Why?
Replies: 26
Views: 1880

Re: Mystery: Gas bill says therms increased 33% year over year but temperature stayed the same. Why?

I once had an unusually high bill and went out to look at the meter. Some shrubbery on the side of the house had grown over the meter. I'd bet that the meter reader guy got frustrated and either estimated it or just gave me a really high number. I have taken no action to correct it, other than cutti...
by TSR
Wed Mar 21, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months
Replies: 35
Views: 2609

Re: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months

Assuming there are no prepayment penalties, this would be a cash-flow question for me. I could afford to buy a $25,000 car outright, but it would deplete my emergency fund to a level I would not feel great about. So perhaps I would take the 5-year loan, allowing me an extremely leisurely repayment s...
by TSR
Sun Mar 11, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: PedalPub investment
Replies: 22
Views: 2188

Re: PedalPub investment

My town is lousy with these things. It goes without saying that I hate them with the white hot fire of a thousand suns, but that doesn't answer the question of whether they are a good investment. I agree with others regarding liability, and I would add what you might call "legislative risk" to the l...
by TSR
Thu Mar 08, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Advice for helping my newly-widowed mom
Replies: 30
Views: 2472

Re: Advice for helping my newly-widowed mom

I've started working on their 2017 tax returns, and my numbers pretty much match up with the estimates my dad did in January. One thing that is not clear to me is how to handle this when the taxpayer was alive for all of 2017, but died in 2018 before submitting tax returns. She files joint returns ...
by TSR
Wed Feb 28, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: What age is too old to stop hostelling?
Replies: 54
Views: 5338

Re: What age is too old to stop hostelling?

I'm 39 and really enjoy hostelling. I think my favorite so far has been Kex hostel in Reykjavik (it has the best restaurant I've ever seen in a hostel, though the restaurant itself is not cheap), and perhaps my least favorite was one in the red light district in Amsterdam, the name of which I forget...
by TSR
Tue Feb 20, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 7785

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

Let's say you have a passenger in your car, and that passenger is permanently disabled in an accident that was not your fault. Your insurance will cover your passenger's medical bills up to a certain point (assuming you pay for that coverage), but it will not cover lost income, pain and suffering, ...
by TSR
Tue Feb 20, 2018 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Three Fund Portfolio Excluding TSP?
Replies: 28
Views: 3012

Re: Three Fund Portfolio Excluding TSP?

I have 100% of my TSP in L2040. I maintain a separate three-fund portfolio in my Fidelity Roth that roughly matches that allocation. It's super easy. I think that's the best course of action for you. One reason I think this that is not directly responsive to your question, is that I think it's good...
by TSR
Fri Feb 16, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 7785

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

Consider that there are approximately 12.5 million undocumented immigrants in this country, the laws of most states do not allow undocumented immigrants to get drivers licenses, and thus most such undocumented immigrants cannot get insurance. So that's maybe three or four out of every 100 drivers i...
by TSR
Fri Feb 16, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 7785

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

First, your coverage costs way too much. This should add at most $100/year/driver, unless your situation is very unusual. Second, I'm a lawyer. This coverage is very important for everyone, everywhere. Let's say you have a passenger in your car, and that passenger is permanently disabled in an accid...
by TSR
Wed Feb 14, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 6913

Re: Question for music experts about musical keys

I haven't seen this answer yet, so forgive me if I'm covering old ground. Piano players are more comfortable playing in flat keys than sharp keys, so you get a lot of jazz and classical in F, Bb, Eb, Ab, and all of their relative minors. These just tend to be easier hand positions than the sharp key...
by TSR
Tue Feb 13, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Help me help my niece (College costs, financial aid, etc)
Replies: 41
Views: 2906

Re: Help me help my niece (College costs, financial aid, etc)

I am helping my niece get ready for college and we got some good news. She was accepted to a school and offered 20k in scholarships from the school. The bad news is the school is more than 50k a year. The wild card is that she is eligible for another scholarship but it is for an undetermined amount...
by TSR
Tue Feb 13, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Three Fund Portfolio Excluding TSP?
Replies: 28
Views: 3012

Re: Three Fund Portfolio Excluding TSP?

I have 100% of my TSP in L2040. I maintain a separate three-fund portfolio in my Fidelity Roth that roughly matches that allocation. It's super easy. I think that's the best course of action for you. One reason I think this that is not directly responsive to your question, is that I think it's good ...
by TSR
Thu Feb 08, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 5330

Re: Rolex

I recently purchased a used watch from https://davidsw.com/. The transaction was exceptionally smooth, and I couldn't recommend him more. Best of luck.
by TSR
Thu Feb 08, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 9618

Re: Tenants want to break lease early and is pregnant

My inclination is to have them pay or (if you allow) find subletters. If they gave enough notice that you can find new tenants, I'd let them off the hook though. I really doubt subletting is possible/practical for just the 1-2 months. It's common around here to start with a sublet and roll over int...
by TSR
Fri Feb 02, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 35
Views: 3357

Re: Best Movies of 2017

If you have not seen Logan (again, not the same as Logan Lucky, which is also good), do yourself a favor and check that out (some tolerance for violence needed). A lot of people think it was snubbed on Best Picture and two acting nominations. In addition to that, I'd agree with you on Florida Projec...
by TSR
Fri Feb 02, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 7151

Re: Substitute for taking a shower?

I imagine that this is obvious to you already, but for that length of trip there is absolutely no need for anyone to wash their hair, which should cut down on shower times. Americans tend to shampoo way too often. Have fun!