Search found 680 matches

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: 2289

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: 158
Views: 8943

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: 9906

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: 3922

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: 16
Views: 1406

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: 16
Views: 1406

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: 4537

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: 5170

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: 1000

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: 4531

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: 7831

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: 5923

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: 1922

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: 1262

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: 3350

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: 7831

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: 4252

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: 1262

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: 2265

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: 3409

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: 3409

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: 6808

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: 17387

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: 938

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: 2214

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: 3170

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: 1715

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: 6652

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: 3409

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: 3409

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: 3409

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: 3409

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: 3409

[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: 4509

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: 6825

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: 4023

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: 711

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: 2058

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: 8950

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: 3577

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: 4244

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: 1170

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: 5052

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: 1959

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: 2748

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: 2259

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: 2522

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: 5492

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: 8401

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: 3129

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...