Search found 797 matches

by TSR
Fri Nov 08, 2019 11:37 am
Forum: Personal Investments
Topic: TSP Allocation Review
Replies: 4
Views: 481

Re: TSP Allocation Review

"A history of underperformance" might mean they continue that way, or it might mean you're "buying low." The one rule you can count on is that past performance does not predict future results. Do yourself a favor and go 100% L2050. First, that fund already has a fairly low allocation to both I and F...
by TSR
Thu Nov 07, 2019 10:52 am
Forum: Investing - Theory, News & General
Topic: The hidden cost of Fidelity’s ZERO funds
Replies: 66
Views: 5591

Re: The hidden cost of Fidelity’s ZERO funds

It would seem that the easiest way to test this would be to compare these funds to the TSP C fund, which tracks the S&P 500 but NEVER pays a dividend! Surely that means they're robbing us blind, right?
by TSR
Tue Nov 05, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 3834

Re: Wedding gift from brother

Case of good wine that is good for aging. A good liquor store will help put this together (and give a case discount). They can open one bottle a year if they want. Or they can drink them all in one month. You can probably do all of this for $200 or so. Depends exactly how old the "college age" youn...
by TSR
Mon Nov 04, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 3834

Re: Wedding gift from brother

Case of good wine that is good for aging. A good liquor store will help put this together (and give a case discount). They can open one bottle a year if they want. Or they can drink them all in one month. You can probably do all of this for $200 or so.
by TSR
Thu Oct 31, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Upright Piano, cross country move
Replies: 8
Views: 672

Re: Upright Piano, cross country move

I've been thinking about this a lot. First, are you moving house? Like, will there already be some strong movers coming to your house and moving everything? If so, you might start by calling the movers and seeing if they will do it. This really just requires a heavy-duty dolly, two people, and a ram...
by TSR
Thu Oct 31, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: cousin inherited older house - how to get solid overview of all repairs needed?
Replies: 21
Views: 1730

Re: cousin inherited older house - how to get solid overview of all repairs needed?

Real estate agents in the area will know who are good home inspectors to (1) get a quick sale by rubber-stamping, or (2) possibly gum up a sale by finding something. You need the latter, and that person will be happy to tell your cousin what's wrong with the thing. Just ask a real estate agent in th...
by TSR
Fri Oct 25, 2019 10:03 am
Forum: Investing - Theory, News & General
Topic: Composition and safety of TIAA traditional annuity
Replies: 108
Views: 9459

Re: Composition and safety of TIAA traditional annuity

Thank you for your interesting overview. Since you mentioned Fidelity's low-cost bond funds, I was wondering how to construct a "duration- and quality-mimicking" portfolio, as in the paper's Figure 1, using low-cost Fidelity funds. [Most readers have never wondered this and won't be interested in t...
by TSR
Thu Oct 24, 2019 2:53 pm
Forum: Investing - Theory, News & General
Topic: Composition and safety of TIAA traditional annuity
Replies: 108
Views: 9459

Re: Composition and safety of TIAA traditional annuity

What a fascinating thread representing the best of what Bogleheads has to offer. I'm chiming in to say that when my girlfriend was starting her academic job several years ago, she could choose between TIAA and Fidelity, and she was advised by all of her older colleagues to go with TIAA traditional r...
by TSR
Wed Oct 23, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Possible Structural Issues in a House
Replies: 21
Views: 1637

Re: Possible Structural Issues in a House

As a proud owner of a 100-year-old house, let me say welcome to the club. I wrestled with this a while, then did something about it. Still have a few cracking issues in some drywall seams. The biggest issue is that people who advertise as doing this work often trade on the fact that people assume th...
by TSR
Wed Oct 09, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: What would you do? New to this stuff
Replies: 33
Views: 4023

Re: What would you do? New to this stuff

A few thoughts: 1. I like having "too much" money in my emergency fund. I agree with others that there's no reason to hang on to your student loan debt, but I think you'll find that there is very little difference between (1) paying it off all in one go and (2) paying down $15,000 now and then knock...
by TSR
Tue Oct 08, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinance-Extra Hard Pull Worth It?
Replies: 10
Views: 567

Re: Student Loan Refinance-Extra Hard Pull Worth It?

Personally I think I'm too lazy to refinance the smaller bucket in order to save $650 over five years -- I might just accelerate payment a bit and call it a day. The larger bucket sounds great though. I would not worry at all about the hard pulls in the least.
by TSR
Tue Oct 01, 2019 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Luxury condo
Replies: 56
Views: 4879

Re: Luxury condo

Does the HOA allow rentals starting the month you purchase? A lot don't allow them at all, or have a two-year waiting period after purchase, or have restrictions on total number of renters, etc.
by TSR
Tue Oct 01, 2019 1:34 pm
Forum: Personal Investments
Topic: TSP: Moving out of G Fund to F?
Replies: 49
Views: 3329

Re: TSP: Moving out of G Fund to F?

Age: 41, single, no kids To me, the most perplexing part of this situation is that I can't figure out why a 41-year old person with no dependents has 20% of their retirement portfolio parked in cash to begin with. Valid observation. I was trying to roll my own "three fund" between my ROTH and TSP, ...
by TSR
Mon Sep 30, 2019 3:38 pm
Forum: Personal Investments
Topic: TSP: Moving out of G Fund to F?
Replies: 49
Views: 3329

Re: TSP: Moving out of G Fund to F?

Age: 41, single, no kids To me, the most perplexing part of this situation is that I can't figure out why a 41-year old person with no dependents has 20% of their retirement portfolio parked in cash to begin with. Valid observation. I was trying to roll my own "three fund" between my ROTH and TSP, ...
by TSR
Thu Sep 19, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8202

Re: How to handle "split-the-bill" group lunches?

IMHO your fellow diner is out of line to tell the server that in the first place. She can pay for the whole check or she can let people pay according to what they owe, but she doesn't get to make determinations about what others spend in between. I agree with you that this sort of unilateral move w...
by TSR
Thu Sep 12, 2019 11:39 am
Forum: Investing - Theory, News & General
Topic: Not market timing is hard
Replies: 31
Views: 3180

Re: Not market timing is hard

I understand what you're saying, but if you read all the people on this site advocating at this very moment that you should instead sell all of your bonds then you have a pretty clear picture of the many ways in which nobody knows nothing, as they say. Just sell all your equities AND bonds and put ...
by TSR
Thu Sep 12, 2019 11:05 am
Forum: Investing - Theory, News & General
Topic: Not market timing is hard
Replies: 31
Views: 3180

Re: Not market timing is hard

I understand what you're saying, but if you read all the people on this site advocating at this very moment that you should instead sell all of your bonds then you have a pretty clear picture of the many ways in which nobody knows nothing, as they say.
by TSR
Tue Sep 10, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Beach City / Town in Florida
Replies: 64
Views: 7498

Re: Beach City / Town in Florida

https://www.youtube.com/watch?v=w2ws8GLyZjs 10 Reasons People Are Moving OUT of Naples,Florida. you should also look at santa rosa beach in gulf shores , and https://www.latitudemargaritaville.com/ Spent some time this year with a friend who lives in Santa Rosa and I agree that it meets OP's descri...
by TSR
Tue Sep 10, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Can this girl "go wild?"
Replies: 33
Views: 5249

Re: Can this girl "go wild?"

I'd put the tracking on autopilot through Mint or some other website that can give you a vague picture of it given that you already know most of it in microscopic detail, but jeez, this sounds like too much tracking and not enough enjoying. Congrats and have fun!
by TSR
Mon Sep 02, 2019 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employee dental insurance
Replies: 17
Views: 1173

Re: Federal employee dental insurance

My understanding aligns with yours. I find that the dental coverage included in the GEHA High Deductible Plan is sufficient for prophylactic / maintenance purposes. If I’m going to have any procedure done beyond fillings, I’ve delay until the new plan year, and do a Limited Expense FSA for the esti...
by TSR
Sat Aug 31, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 47
Views: 3032

Re: Does anyone have a dishwasher they recommend?

Bosch. Pay the additional $100 for the extra (top shelf) tray. You'll thank me. I agree. The model numbers are a little weird on the Boschs, but I got something a little higher than their entry level, maybe around $700 at Lowes. (I think it was in the 500 series. But I'm not sure.) It's been awesom...
by TSR
Wed Aug 21, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Best undergrad majors ahead of Law school?
Replies: 75
Views: 3892

Re: Best undergrad majors ahead of Law school?

Lawyer here. I feel very strongly that the most important prerequisites for law school are (1) writing, and (2) caring about something. The former can be obtained through most any liberal arts major, but I might also recommend participation in high school and college newspaper -- this is a wonderful...
by TSR
Fri Aug 16, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1126
Views: 286495

Re: Best watch for around $5,000?

I have never been much for fancy watches, particularly garrish Rolex, Breitling, etc. However, I stumbled across a low profile vintage watch at home while packing for our most recent move. Spouse advised me to throw it in the trash, but looked nice so I kept it. Turns out it is a vintage Omega. I c...
by TSR
Tue Aug 13, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 413
Views: 65664

Re: Good Modern Science Fiction

I didn't see anyone post this upthread, but my book club just read Exhalation by Ted Chiang, and that was universally loved. Extremely thought-provoking, beautiful, and oddly optimistic.
by TSR
Tue Aug 13, 2019 3:54 pm
Forum: Personal Investments
Topic: How can I accomplish "Locking in Gains"
Replies: 53
Views: 3669

Re: How can I accomplish "Locking in Gains"

Stats -31, single, no kids, CA Here's your problem. You've been investing during a period where the market has never really gone down. So now you're using a vague, non-technical term like "locking in gains" to describe a strategy that you think you ought to have. Don't let that bother you. Over the...
by TSR
Tue Aug 13, 2019 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Help with job decision
Replies: 26
Views: 1993

Re: Help with job decision

Having taken a significant pay cut to work in the federal government, I'd take that in a heartbeat. I think the more relevant concern is whether your wife is really going to be able to keep up her job, but even if she were to end up transitioning, her salary would go so much father in NM than CT. Ju...
by TSR
Fri Aug 09, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: House being sold as 2553sqft livable, but tax records show 2053? Cause for concern?
Replies: 37
Views: 3116

Re: House being sold as 2553sqft livable, but tax records show 2053? Cause for concern?

I'd assume it's the basement, but I also have a house where there was some (likely) unpermitted work and I've got more square footage than the tax records show. It's pretty common in my area which was "up and coming" for decades with a lot of unsupervised work being done. I don't really know what to...
by TSR
Fri Aug 02, 2019 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employees: FERS and voluntary separation?
Replies: 24
Views: 2057

Re: Federal employees: FERS and voluntary separation?

Some of this may not apply to you but based on my 20 years during two tours with the DOD as a civilian employee. I'll start with my example (numbers slightly modified). [snip] This is great information. Thank you. I would never cash out the pension absent extraordinary circumstances -- I don't anti...
by TSR
Fri Aug 02, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employees: FERS and voluntary separation?
Replies: 24
Views: 2057

Re: Federal employees: FERS and voluntary separation?

One final bump in case the Friday crowd wants to weigh in....
by TSR
Thu Aug 01, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employees: FERS and voluntary separation?
Replies: 24
Views: 2057

Re: Federal employees: FERS and voluntary separation?

The difference also appears to be when you can collect your deferred pension. From OPM's website: You are eligible for a deferred annuity if you meet one of the following age and service requirements: -You have completed at least 5 years of creditable civilian service, then you are eligible for a d...
by TSR
Thu Aug 01, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employees: FERS and voluntary separation?
Replies: 24
Views: 2057

Re: Federal employees: FERS and voluntary separation?

Off topic, but have you looked into a hardship transfer or a voluntary relocation? Some agencies are realizing that it's better for the overall organization to keep well trained employees, even if they are in another city. Good question. I'm a trial lawyer in a particular judicial district, so my s...
by TSR
Thu Aug 01, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Federal employees: FERS and voluntary separation?
Replies: 24
Views: 2057

Re: Federal employees: FERS and voluntary separation?

You get credit for full months for your pension. So 9 years, 11 months is only slightly less than 10 years. If your boss will let you use annual leave to cover the period immediately before you resign, then that leave period would still count toward your service. I have heard of people having to be...
by TSR
Thu Aug 01, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Federal employees: FERS and voluntary separation?
Replies: 24
Views: 2057

Federal employees: FERS and voluntary separation?

I am considering leaving my federal job (FERS employee) to move to another city to finally be in the same place as my long-term partner. It is conceivable that I'd take another federal job, but let's assume not for the purposes of this question. I have held this job for almost exactly nine years, an...
by TSR
Thu Aug 01, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Piano Lessons for young kids
Replies: 29
Views: 1686

Re: Piano Lessons for young kids

I wish my parents would have "made" me go to piano lessons, as I fear I missed a lot of the formative brain parts of music education. I play music as an adult now, but I can feel where it hurt not to have done it early. That said, I think I would have chafed against something too strict -- it might ...
by TSR
Fri Jul 19, 2019 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: Safe Deposit Boxes Aren't Safe
Replies: 96
Views: 9050

Re: NYT Article: Safe Deposit Boxes Aren't Safe

I am surprised anyone thought the bank would insure your possessions in a safe deposit box. They have no idea what you may may put in it. How could they possibly insure whatever is inside? Since the people in the article are suing the bank, I assume they were not insured. If they had been, then it ...
by TSR
Fri Jul 19, 2019 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: Safe Deposit Boxes Aren't Safe
Replies: 96
Views: 9050

Re: Safe Deposit Boxes Aren't Safe

NYT absolutely LOVES to spread FUD through their reporting. It sells papers and provides click-bait to get you to get to their site. Statistically how often are safety deposit boxes harmed? I didn't read the full article and bet it doesn't say (I skimmed through it and it seems they are telling som...
by TSR
Thu Jul 18, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Box wine- update and recommendations?
Replies: 73
Views: 6183

Re: Box wine- update and recommendations?

We really like La Vieille Ferme - Red Rhone blend from France. Normally $35, but get it on sale at Meijer for $18. Came here just to recommend this. I find it noticeably better than the Bota box reds, which can feel a little sweet/jammy/treacly for my tastes. This one is a little drier and more int...
by TSR
Wed Jul 17, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 137
Views: 14781

Re: House not appraising for amount we were offered!

Respectfully, I think your question is both easy and answered: You live in a very hot market. The appraisal is a little behind the market. The bank won't lend more than the appraisal. Assuming there's an appraisal contingency in the contract, there is a good chance your buyer will come up with extra...
by TSR
Thu Jul 11, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 6287

Re: Automatic Watches

I feel like it's important to say based on some people's comments about watches stopping on the weekend that this is entirely dependent on the reserve power for the watch. Mine has a 60-hour reserve, which is enough to get you through the weekend. I wear mine on the weekend though (I have a sporty d...
by TSR
Wed Jul 10, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 6287

Re: Automatic Watches

I purchased a very nice automatic watch (bought it used -- a "cheap" luxury). It's an Omega made in this decade. I basically never adjust it. It's certified to within a few seconds per day, but it seems to be much more accurate than that. In all seriousness, the clock on my work computer is less acc...
by TSR
Mon Jul 08, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Going to law school question
Replies: 55
Views: 3752

Re: Going to law school question

Another attorney here. I am trying not to criticize or analyze your plans---it seems like you've got your own thing going and your own idea of how to get there, so I'll just answer your question. If you just need "the title" for whatever reason, you should probably go to the cheapest accredited stat...
by TSR
Wed Jul 03, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 6548

Re: Frontier or Spirit Airlines

I had a recent Frontier experience that is worth describing. The price and route were both ideal, and nonstop. On my departing flight, the plane was delayed several times to the tune of about three hours. This is pretty normal, but the text-message notifications did not really jibe with what they we...
by TSR
Mon Jun 10, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3863

Re: Sports classes in Universities

I would be legitimately surprised to hear that there were no for-credit PE classes at a given school. As a practical matter, there are a lot of coaches who get paid full time but may not be doing that much on a regular basis (e.g., even for a school with a very competitive squash program, the squash...
by TSR
Fri Jun 07, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Highly appreciated whiskies
Replies: 34
Views: 3645

Re: Highly appreciated whiskies

I'm not in your financial situation and I'm guessing that money would mean more to me than it does to you, but I'd still say drink it or give it away as gifts to people who'd enjoy it. I'm suspicious of artificially inflated values on things, as those values tend to go up and down (there is a lot of...
by TSR
Thu Jun 06, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Debt: Student loan or cabin
Replies: 36
Views: 3046

Re: Debt: Student loan or cabin

The math is a no-brainer, as described by everyone above. That said, I could think of at least one scenario where your brother might favor the cabin: 1. He saved up the $60,000, not her. We do not know this to be a fact. 2. She accrued the student-loan debt, not him. We do know this to be a fact. 3....
by TSR
Wed Jun 05, 2019 10:17 am
Forum: Investing - Theory, News & General
Topic: Swedroe is far from a passive investor and I am beginning to agree
Replies: 62
Views: 6243

Re: Swedroe is far from a passive investor and I am beginning to agree

Respectfully, I think the title of the post is somewhat misleading. Larry Swedroe recommends a book by another author about behavioral finance, not specifically about an investing approach. In that book the author writes a few paragraphs in a single chapter about an investing approach that very occa...
by TSR
Mon May 20, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my student loans early?
Replies: 22
Views: 2278

Re: Should I pay off my student loans early?

Perhaps not enough information to answer your question. I would not pay off anything early if I weren't already maxing out tax-advantaged retirement accounts including Roth, 401k, and HSA. If you're doing all of that then sure, why not go ahead and pay it off? I paid my loans off early and it was a ...
by TSR
Fri May 17, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 6146

Re: Guidance on choosing between UMich and Brown

Brown. For all the reasons people have talked about above, but also people change their minds about what they want to go to school for, and Brown would accommodate that a lot better. That Ivy degree is worth a lot -- arguably much more than the $20k figure thrown out here.
by TSR
Wed May 08, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: Undergrad major in Economics or Finance?
Replies: 62
Views: 4325

Re: Undergrad major in Economics or Finance?

What about majoring in Finance with a minor in Economics? I work in finance and agree that is probably more generally marketable from a career perspective, with several different pathways to long lasting careers. Having a strong working knowledge of Accounting would also help in this regard. I have...
by TSR
Fri Apr 19, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: The reality of borrowing from your 401k for home mortgage
Replies: 48
Views: 3665

Re: The reality of borrowing from your 401k for home mortgage

I threw your figures into a mortgage calculator and it says your payment will be ~$1900 a month. Why don't you practice setting that aside for 10 months and save your down payment? It would tell you what it's like to live on your new amount of money and keeps you from having to borrow the down paym...