Search found 721 matches

by TSR
Tue Jan 15, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 3734

Re: Duffel Bag vs Wheeled Stand Up traveling

I have an awesome looking heavy-duty duffel. I am also tall and skinny and have all the related back problems. The duffel taught me just how severe these back problems are. The duffel stays at home now, and I either pack a roller bag or a two-strap backpack (never use just one!) for all flights. I p...
by TSR
Mon Jan 14, 2019 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Rewards Visa -- predatory lending?
Replies: 38
Views: 4357

Re: Amazon Rewards Visa -- predatory lending?

I will just use this thread to confess to everyone here at bogleheads.org that I did not know this about credit cards. I've used them regularly for much of my life, but I've never kept a balance and always paid in full. Live and learn, I guess.
by TSR
Fri Jan 11, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20279

Re: $40,000 in debt, bankruptcy seems to be the best option right now

It's pretty funny that someone thinks people all over the country are buying, and people on this site are recommending, a security system that doesn't do anything. I have no idea what you are talking about. The system absolutely works. Period. I was responding to a poster's complaint about the syst...
by TSR
Mon Jan 07, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Bedding (sheets) recommendations - having terrible experience finding quality sheets
Replies: 35
Views: 2319

Re: Bedding (sheets) recommendations - having terrible experience finding quality sheets

Based on some recommendations here, I purchased the LL Bean percale sheets (the ones recommended in that Wirecutter article). They are good. No pilling. No tears. No issues. They don't jump right out and scream "luxurious," but they've been everything I could want in a sheet.
by TSR
Fri Jan 04, 2019 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Does a PMI in lieu of 20% down ever make sense?
Replies: 48
Views: 2888

Re: Does a PMI in lieu of 20% down ever make sense?

For some people, PMI is a desperation move. For some, it's a cash-flow move. Probably a lot of people in the former camp believe they're in the latter camp. I ended up with PMI on my mortgage due to cash-flow stuff, and I paid extra on the mortgage to knock it out in about four years. I know for cer...
by TSR
Wed Jan 02, 2019 11:39 am
Forum: Investing - Theory, News & General
Topic: Will Total US Bond Index fund have a positive return for 2018?
Replies: 13
Views: 2058

Re: Will Total US Bond Index fund have a positive return for 2018?

How about BND? Vanguard reports BND total return of -0.08%, but it could be different at a different broker because of the way the monthly dividends are reinvested is definitely different at different brokers. Did I use the word "different" enough different times there? This slight loss is going to...
by TSR
Fri Dec 28, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: not funding kid's tuition
Replies: 102
Views: 3336

Re: not funding kid's tuition

You are absolutely entitled to that view, and your children are absolutely entitled to their view of your actions. I can't say how you or your children should view this. However, if I were your child, I would feel that you forced me to go to your alma mater by providing no college funding OTHER than...
by TSR
Fri Dec 28, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Paying Student Loans
Replies: 11
Views: 1164

Re: Paying Student Loans

I don't think the IBR thing is really going to help you much -- refinancing and paying it off aggressively will save you money in the long term. After that, I'm in the camp of "do both" on the retirement vs. student loans. You don't want to miss out on the massive tax benefits of tax-deferred retire...
by TSR
Thu Dec 27, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Withdrawal strategy for spouse
Replies: 5
Views: 492

Re: Withdrawal strategy for spouse

You simultaneously have too much and too little information here, and the name of your post is not very descriptive. Consider using this format: https://www.bogleheads.org/forum/viewtopic.php?t=6212 (Because you're in the TSP, you probably don't need to worry as much about the expense ratios in this...
by TSR
Thu Dec 20, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10160
Views: 1788651

Re: U.S. stocks in free fall

This thread is now up over 9,000 posts -- that has to be its own special economic indicator!
by TSR
Thu Dec 20, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Best Albums of 2018
Replies: 36
Views: 2547

Re: Best Albums of 2018

Mitski - Be the Cowboy

I got to see her live in a pretty small club and man was that worth it. Won't happen again in a venue of that size, unfortunately.
by TSR
Mon Dec 10, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Wills, Estates and Trusts
Replies: 28
Views: 2642

Re: Wills, Estates and Trusts

Just to try to get back to the original question, this seems like a somewhat expensive update to your estate plan, but not one that is outside the realm of reason. If you feel comfortable with the attorney, go for it.
by TSR
Fri Dec 07, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 191
Views: 21989

Re: Call the top! - Bitcoin

$265,700 Aug 2019 rofl. looks like I was caught up in the hype. :greedy LOL, I threw out 55,000 but never gambled on it. A couple of my coworkers have not mentioned it for months now. I wonder why? I never bought any crypto either. Some of friends did and were crowing how they were going to be rich...
by TSR
Wed Dec 05, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Why Is Insurance Worth It (Analytically)?
Replies: 89
Views: 4375

Re: Why Is Insurance Worth It (Analytically)?

Regarding the possibility of bankruptcy and other forms of debt avoidance, I have sat in post-judgment discovery depositions before (as a lawyer, not as a debtor, thankfully), and it's not a pretty sight: "Does your wife own any jewelry? How many televisions are there in your home? Have you given an...
by TSR
Tue Nov 20, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 102
Views: 10662

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

Other questions people have asked: why do we let our parents stay with us? Well, we are 1st gen Asian immigrants (me as a kid, husband as a teen) with parents who lived in near poverty to save to send us to college. In Asian culture, it’s a grave insult to ask elderly parents to stay somewhere else...
by TSR
Thu Nov 15, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual nightmare - help needed
Replies: 55
Views: 5184

Re: Northwestern Mutual nightmare - help needed

3) With regard to retirement contributions - my "advisor" has had me contributing 12,600 a year to my 403b (which is all Vanguard Target 2050) but these have been Roth 403b contributions - does this make any sense? Doesn't this mean I am paying taxes on this money now? I understand the basic concep...
by TSR
Fri Nov 09, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Federal Employees Dental and Vision Insurance Program (FEDVIP) dental coverage
Replies: 14
Views: 1382

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

Not your question, but wanted to make sure you were aware that the GEHA HDHP medical plan covers two teeth-cleanings per year as part of the coverage of preventive care. Because it's preventive, you don't need to spend your deductible before accessing those. For a family of four, say, this is a sub...
by TSR
Thu Nov 08, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: College graduation gift amount
Replies: 25
Views: 1841

Re: College graduation gift amount

A lot of the responses to this are expressing the values of the responders, not so much the practical realities of the question. The best answer to "what should I give someone" always involves an analysis of "what are their needs and wants," and "what am I willing and able to provide?" What's your k...
by TSR
Tue Nov 06, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10835

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

You might (re)watch The Big Short. Christian Bale's character, Michael Burry, is depicted as the "hero" for having predicted the real-estate bubble and hedging big on it, thus making billions. But there's another way to watch the film: he waits around for years for the crash he thought would happen ...
by TSR
Tue Nov 06, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with windfall
Replies: 34
Views: 2738

Re: What to do with windfall

I'll also admit that it was a (quite irrational) determination to not do to her what my parents did to me by promising to help and then doing nothing for college. Not irrational at all. Nobody wants to saddle their kids with debt. You'll be happy to have that money growing, and it'll be nice to con...
by TSR
Tue Nov 06, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with windfall
Replies: 34
Views: 2738

Re: What to do with windfall

I find myself agreeing with Meg AND delamer, despite their different recommendations. Meg's point (reading between the lines) is that kickstarting your retirement savings is equally as important as paying down those debts. The debts feel high, but you're losing access to use-or-lose retirement space...
by TSR
Tue Nov 06, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Son has job offer in Nashville, can he survive on base of 33K
Replies: 16
Views: 2524

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

I'd anticipate he'll thrive. The number of young, hip kids who make much less than that here is astonishing (lots of musicians, as you'd imagine). Parking really has gotten out of hand downtown, but if he's working in the heart of things then he really can get on a decent bus route (take a look at t...
by TSR
Fri Nov 02, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: What is an "advanced" investor?
Replies: 34
Views: 2610

Re: What is an "advanced" investor?

I think you can tell an "advanced" investor by how much people on this site listen to him or her. To me, those people not only know and internalize the basic investment principles of the Bogleheads philosophy, but they also understand the various externalities, opportunity costs, and real-life impac...
by TSR
Fri Nov 02, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Federal Employees Dental and Vision Insurance Program (FEDVIP) dental coverage
Replies: 14
Views: 1382

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

wanted to make sure you were aware that the GEHA HDHP medical plan OP is on Tricare so this isn’t an option. However, for run of the mill feds this is an important fact to note (absent specific health needs that you’re trying to cater to, GEHA HDHP is far and away the best coverage available). Ah. ...
by TSR
Thu Nov 01, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Federal Employees Dental and Vision Insurance Program (FEDVIP) dental coverage
Replies: 14
Views: 1382

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

Not your question, but wanted to make sure you were aware that the GEHA HDHP medical plan covers two teeth-cleanings per year as part of the coverage of preventive care. Because it's preventive, you don't need to spend your deductible before accessing those. For a family of four, say, this is a subs...
by TSR
Thu Nov 01, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Am I Risking My Life to Sell My Car?
Replies: 37
Views: 4730

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

If it were me I would drive to CarMax and tell them about the tire.
by TSR
Wed Oct 31, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Investment/Retirement Mentality - Home Purchase
Replies: 14
Views: 624

Re: Investment/Retirement Mentality - Home Purchase

Embedded somewhere in your post is a variation on the "can I afford this" question, and we don't have enough information to answer that. But I'm really wary of looking at home equity as any sort of "investment." As an example, I live in a hot real-estate market right now, so my home is worth a lot m...
by TSR
Mon Oct 29, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Washing machine/dryer shopping
Replies: 38
Views: 2905

Re: Washing machine/dryer shopping

Buy used. Spend $200. Realistically you are likely going to be leaving whatever you buy there once you move (with the permission of the landlord, who will be happy to let you do it). Just get a fairly low end model that washes clothes without much more. Be prepared to transport the things (rent a pi...
by TSR
Fri Oct 26, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: Compounding interest?
Replies: 51
Views: 5399

Re: Compounding interest?

In most savings accounts interest compounds daily, and is paid monthly or quarterly. Mutual funds have returns , but not interest. They compound, but sometimes it's up and sometimes down. Over periods of time much longer than a day, or a month or quarter, or year, most returns have been upward. Hav...
by TSR
Fri Oct 26, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 4939

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

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

Google Fiber internet -- never had it this good.
by TSR
Thu Oct 25, 2018 2:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: Who/what made the helpful culture of Bogleheads?
Replies: 29
Views: 2045

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

Moderators, definitely, and the no-politics vibe that they enforce. What a joy to go somewhere these days and not have everything reduced to politics. Of course that can feel artificial (certainly politics play an important role in finances), but it's such a brilliant policy for giving and getting a...
by TSR
Tue Oct 23, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: TSP and Vanguard
Replies: 24
Views: 2144

Re: TSP and Vanguard

Are you only contributing to the match in your TSP because that's all you can afford, or because you think you'll do better elsewhere? I'd strongly encourage you to set your TSP account to one of the L funds appropriate for your desired asset allocation and load it up as much as possible. If you wan...
by TSR
Fri Oct 19, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30809

Re: High End Wrist Watches (Gone Crazy)

Seems like there are lot of cool technology watches out there in the $300-$1000 range now that actually DO stuff. I'm curious if people who love watches are more interested in moving towards Garmin or Apple or other watch manufacturers that make fitness/GPS/marine/airplane/etc watches. A guy I know...
by TSR
Thu Oct 11, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 6745

Re: Best headphones under 500 bucks

c.coyle wrote:
Thu Oct 11, 2018 10:03 am
EDIT: The Beyer velour pads solve the problem of the original plastic pads.
I'm glad to hear this!
by TSR
Thu Oct 11, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 6745

Re: Best headphones under 500 bucks

Sony is still making the MDR-V6 after 30 years, which means people are still buying them. Must be a reason. Flat response. Closed back for no leaking sound. Comfortable. Replace the factory vinyl earpads with some Beyer velour pads, and you will be very happy with the sound, comfort, and the left o...
by TSR
Tue Oct 02, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Best neighborhoods in Atlanta
Replies: 46
Views: 3842

Re: Best neighborhoods in Atlanta

Drive 100 miles from downtown in any direction and start looking there. I can't even stand driving through Atlanta. ive lived in atlanta and currently live in not-atlanta, georgia. ive been surprised at how much everyone from not-atlanta HATES atlanta. are other states this way? it is astounding to...
by TSR
Tue Oct 02, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Best neighborhoods in Atlanta
Replies: 46
Views: 3842

Re: Best neighborhoods in Atlanta

Used to live in Atlanta and loved it. You're looking in the right places. Thoughts that echo a lot of other people's: --Inman Park --Cabbagetown (where I lived -- the absolute best) --Grant Park --Candler Park --Decatur --Virginia Highlands (this is a bit "preppy" for my tastes, but yours may differ...
by TSR
Tue Oct 02, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Adult kids getting help from parents
Replies: 36
Views: 2331

Re: Adult kids getting help from parents

OP generously specified that there was "no judgment" in the question, but a lot of answers appear to express a lot of judgment. I suppose this is an emotionally charged "identity issue" with a lot of people, and likely with a lot of very financially responsible people. To answer: I am within the spe...
by TSR
Fri Sep 28, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 7108

Re: Bosch dishwasher odor

Came across this and thought I'd add it given the "why would anyone buy Bosch" posts above. "Americans prefer the German brand Bosch when it comes to their large appliances, according to the results of a consumer satisfaction report released Tuesday. Bosch scored an 83 out of 100 on the American Cu...
by TSR
Wed Sep 26, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Helping a sibling
Replies: 26
Views: 3167

Re: Helping a sibling

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

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

(Note: some were not, of course.)
by TSR
Tue Sep 25, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Electric Shaver/Beard Trimmer
Replies: 21
Views: 1889

Re: Electric Shaver/Beard Trimmer

Sorry, I'm not sure I understand the question. Do you want (1) something you can use as a beard trimmer; (2) something you can use as an electric razor -- i.e., against the skin -- sometimes when the hot water is out (or for whatever reason); or (3) something you can use for both? If it's (1), then ...
by TSR
Mon Sep 17, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Need help in solving Tenant landlord issue
Replies: 26
Views: 2472

Re: Need help in solving Tenant landlord issue

A few thoughts: 1. How many apartments does your landlord own? Often there are provisions for triple the damages for people who own many units. This could make litigation worthwhile. 2. Document everything. 3. Small-claims court might make some sense here -- you can draft everything up yourself and ...
by TSR
Wed Sep 12, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16362

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: 10455

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: 4238

Re: Psychology of saving for college vs retirement

Have the kid out the loan, if you are in a position to help pay it after graduation then do so. Right. This idea that "it's unrealistic to cash-flow $30,000/yr" is pretty unhelpful when you realize that you can cash-flow your kids' college many years after they've graduated if you have them take on...
by TSR
Thu Sep 06, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Student loan payoff help
Replies: 19
Views: 1974

Re: Student loan payoff help

As for how to do it, just pick off those high-interest loans one at a time until they're done. Then go after the smaller ones. The problem is they can't payoff the loans directly - the lender won't allow extra principal payments. Take the $3004 loan. If they send a check for $3004 for that loan, th...
by TSR
Wed Sep 05, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan payoff help
Replies: 19
Views: 1974

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: 4719

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: 5323

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: 1057

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 ...