Search found 1012 matches

by MoonOrb
Wed Jun 03, 2020 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4215
Views: 296435

Re: Refinance Mega Thread

Our lender, Freedom Mortgage, called last week about refinancing. Our new loan will be a 30 year term, 2.75% rate with a total APR of 2.81%. It should close in about a month. We need to do virtually nothing. This is basically free money to us. Weirdly, for the first time I'm finding myself torn betw...
by MoonOrb
Tue Jun 02, 2020 10:53 am
Forum: US Chapters
Topic: MEMORIAL DAY
Replies: 36
Views: 3338

Re: MEMORIAL DAY

Taylor,
Thank you for carving out a space on this site to remember those who have died in service.
Best wishes,
MO
by MoonOrb
Tue Feb 11, 2020 11:25 am
Forum: Personal Investments
Topic: Market timing + buying stock: cruise lines
Replies: 7
Views: 1028

Re: Market timing + buying stock: cruise lines

How do you determine what their correct value is?
by MoonOrb
Thu Feb 06, 2020 10:56 am
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1220
Views: 108050

Re: Well, I am market timing... Wish me luck.

I’m grateful that I managed to learn the lessons I needed to about market timing for the price of a few books rather than paying thousands or more dollars by learning those lessons through experience. Good luck, OP, and thanks from those of us who can get the benefit of your experience for free—a si...
by MoonOrb
Thu Feb 06, 2020 10:56 am
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1220
Views: 108050

Re: Well, I am market timing... Wish me luck.

I’m grateful that I managed to learn the lessons I needed to about market timing for the price of a few books rather than paying thousands or more dollars by learning those lessons through experience. Good luck, OP, and thanks from those of us who can get the benefit of your experience for free—a si...
by MoonOrb
Mon Feb 03, 2020 2:58 pm
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 190
Views: 14740

Re: Books that changed your life

How to Win Friends and Influence People by Dale Carnegie

The 7 Habits of Highly Effective People by Stephen Covey

Body for Life by Bill Phillips

The Okinawa Diet by Willcox and Suzuki

Small Stakes Hold’em by Ed Miller

Ordinary People Extraordinary Wealth by Ric Edelman
by MoonOrb
Fri Jan 31, 2020 11:53 pm
Forum: Personal Consumer Issues
Topic: I have a question for those in early FIRE or planning on early FIRE
Replies: 81
Views: 8326

Re: I have a question for those in early FIRE or planning on early FIRE

When I ask a question like this it is basically because I am wondering if I lack the imagination to properly picture how things would be. What do you do when you have a long weekend? Do you enjoy those things? Anyway, my plans are to do extensive travel. When not traveling: Get up early and go to t...
by MoonOrb
Thu Jan 30, 2020 10:55 pm
Forum: Personal Investments
Topic: Last gasp of the bull
Replies: 118
Views: 18209

Re: Last gasp of the bull

Eventually someone is going to guess right with the timing on this sort of thing.
by MoonOrb
Wed Jan 22, 2020 9:49 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27490

Re: Sad news: LadyGeek's husband has passed

I'm very sorry for your loss, LadyGeek.
by MoonOrb
Mon Jan 20, 2020 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Retire Early? Pay off mortgage?
Replies: 29
Views: 3004

Re: Retire Early? Pay off mortgage?

How confident are you that your expenses will stay at 60k annually if you're no longer on your employer's health plan?
by MoonOrb
Mon Jan 20, 2020 12:08 pm
Forum: Personal Consumer Issues
Topic: My Hotmail account is getting spammed big time
Replies: 48
Views: 4928

Re: My Hotmail account is getting spammed big time

I also have a hotmail account that I use for a lot of stuff and it was being overwhelmed with spam in the last four or five days. Today the situation seems to have vastly improved.
by MoonOrb
Sun Jan 19, 2020 7:17 pm
Forum: Personal Investments
Topic: Anything else I need to be doing for retirement?
Replies: 25
Views: 2927

Re: Anything else I need to be doing for retirement?

Instead of taxable investing, you could pay down a mortgage or other debt if either (a) the interest rate on the debt is high-ish; (b) you're close enough to retirement that the debt payments will persist into your retirement years so that paying them down earlier will reduce your annual expenses in...
by MoonOrb
Sun Jan 19, 2020 4:53 pm
Forum: Personal Investments
Topic: Deploying a $40m windfall in current market conditions
Replies: 67
Views: 11883

Re: Deploying a $40m windfall in current market conditions

if you don't need this money to live and the purpose is to use for long-term (?) plans or charitable giving, then stick whatever portion you don't plan using or giving away immediately into the market right now and don't worry about it. There's no meaningful difference between this question and the ...
by MoonOrb
Sat Jan 18, 2020 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Realized we made a major mistake and feeling really sick.
Replies: 162
Views: 14459

Re: Realized we made a major mistake and feeling really sick.

I suggest you both read Thinking Fast, Thinking Slow, by Daniel Kahneman and pay special attention to the sections that address Loss Aversion and Reference Points. What you are experiencing is a normal human emotion to experience; this is because it is normal for humans to react emotionally and irra...
by MoonOrb
Sat Jan 11, 2020 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 433
Views: 94310

Re: What age did you reach 100K networth?

Probably around 27-28 or so. This would have been around 2004-05.
by MoonOrb
Sat Jan 11, 2020 2:34 pm
Forum: Personal Investments
Topic: Tax Deferred account: Are we top heavy?
Replies: 14
Views: 1484

Re: Tax Deferred account: Are we top heavy?

Many people here talk about using retirement calculators. I believe there is a list of them in the Wiki. I have not used any of them so I can't recommend which might be useful. I do it just based on logic and common sense. It is a very rough estimation , all based on today's dollars. Example..."if ...
by MoonOrb
Sat Jan 11, 2020 12:21 pm
Forum: Personal Investments
Topic: Tax Deferred account: Are we top heavy?
Replies: 14
Views: 1484

Re: Tax Deferred account: Are we top heavy?

Is there a calculator or set of tools that can help point people in the right direction when doing this sort of analysis? I'm in a somewhat similar position, having large tax-deferred accounts, and I'm struggling to do the modeling and analysis I'd like to do to help me think about this.
by MoonOrb
Mon Jan 06, 2020 11:55 pm
Forum: Personal Consumer Issues
Topic: Traveling to Japan for first time
Replies: 44
Views: 2878

Re: Traveling to Japan for first time

Thoughts from two visits in the last 12 months: 1. Had very little trouble using ATMs for cash withdrawals but they didn't work universally at all ATMs. So if we felt we needed cash, we got it when we knew we could. Most places accepted our credit card, too. This is especially true in Tokyo. It star...
by MoonOrb
Sun Jan 05, 2020 1:02 pm
Forum: Personal Consumer Issues
Topic: Simplicity
Replies: 85
Views: 13043

Re: Simplicity

I read Marie Kondo's "The Life-Changing Magic of Tidying Up" (mentioned upthread) about a year ago. Afterwards we went through our things step by step, adhering to her message. It made me feel great even though it was hard at first. For me, simplicity, like many things, is on an a continuum. Few of ...
by MoonOrb
Sun Jan 05, 2020 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Spreadsheets - Out of here!
Replies: 134
Views: 14254

Re: Spreadsheets - Out of here!

One day I hope to make a similar post. But we have 13 investment accounts spread out among 4 different places: His 401a His 403b His 457 Her 403b (1) (matching funds only-weird quirk of employer) Her 403b (2) (voluntary contributions) Her 457 His Roth IRA Her Roth IRA His rollover IRA Her rollover I...
by MoonOrb
Sat Jan 04, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: US/NZ taxes
Replies: 5
Views: 247

Re: US/NZ taxes

NZ taxes are higher than US taxes. Under the tax reciprocity rules between the US and NZ, at least for those people who are living and working in NZ and not the US, you're going to get a foreign tax credit for the NZ tax paid and this will effectively wipe out any US tax liability. This is how it wa...
by MoonOrb
Wed Jan 01, 2020 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Continue to save for retirement or pay off house?
Replies: 33
Views: 1882

Re: Continue to save for retirement or pay off house?

You won't lose that 200k in equity. You'll have it in your Roth IRA or other investments instead.
by MoonOrb
Wed Jan 01, 2020 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: To what do you owe your ability to forego spending now and save for your future?
Replies: 116
Views: 5178

Re: To what do you owe your ability to forego spending now and save for your future?

1. The good fortune to be born as a white, male, able-bodied American, which has given me a lot of advantage right from the start and the ability to make my own way in the world without the headwinds that others in different circumstances face. 2. Being born to college-educated parents who intention...
by MoonOrb
Sun Dec 29, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Mini-Milestone
Replies: 20
Views: 1900

Re: Mini-Milestone

Congrats!
by MoonOrb
Sun Dec 29, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Prefer spending money on investing rather than "things"? Is this weird?
Replies: 37
Views: 2811

Re: Prefer spending money on investing rather than "things"? Is this weird?

Serious question. What if you don't have kids. Does it stop at convenience? Once we've seen what we want to see all that is left is paying a housekeeper? Kind of sad. I think that perhaps convenience should go before experience. At least that way there is something to look forward to (perhaps). You...
by MoonOrb
Sun Dec 29, 2019 11:09 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend $$ on yourself?
Replies: 108
Views: 12363

Re: How do you spend $$ on yourself?

1. Figure out your goals for financial security/retirement/financial independence and make a plan that will get you there. Based on this plan, invest $x/month. 2. With what is left over: figure out what you value or love and spend it on those things without regret: physical fitness, nature, travelin...
by MoonOrb
Sat Dec 28, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: China travel: transit without visa
Replies: 25
Views: 1778

Re: China travel: transit without visa

What's giving me a little pause is that I booked via a discount-type service and I'm starting out my travels in a smaller airport at India; I don't have long layovers at any of the stops (Udaipur->Mumbai->Hong Kong->Shanghai). I can't quite tell from the itinerary if I'll be booked all the way throu...
by MoonOrb
Sat Dec 28, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Prefer spending money on investing rather than "things"? Is this weird?
Replies: 37
Views: 2811

Re: Prefer spending money on investing rather than "things"? Is this weird?

What if someone were to tell you it's weird? Would that make you feel better or worse? I'd argue the goal isn't to fit into some normative idea of how to spend your money. The goals are to be secure, be happy, be healthy, be a kind and productive contributor to society, be a good partner, family mem...
by MoonOrb
Sat Dec 28, 2019 12:17 pm
Forum: Investing - Theory, News & General
Topic: Everyone's Financial 'Infrastructure'
Replies: 33
Views: 3838

Re: Everyone's Financial 'Infrastructure'

1. Credit union for checking. Paychecks directly deposited into credit union, many recurring bills paid through direct debit from this account. Roth IRA contributions direct debited from this account. It is not worth the hassle for me to keep liquid money anywhere else for a better, but still very l...
by MoonOrb
Sat Dec 28, 2019 12:15 am
Forum: Investing - Theory, News & General
Topic: 59.5 asset allocation
Replies: 24
Views: 2848

Re: 59.5 asset allocation

I'd think age would have a lot to do with asset allocation, too--at least age relative to retirement date. I'm imagining when I get to 59.5, AA will be closer to 60/40 than it is now, and as 59.5 is in the rearview mirror and the years pile up, it will slide back down to something more aggressive ag...
by MoonOrb
Fri Dec 27, 2019 11:44 pm
Forum: Personal Consumer Issues
Topic: Recommended physical fitness websites/books/apps?
Replies: 83
Views: 6821

Re: Recommended physical fitness websites/books/apps?

Check out this forum: http://forums.johnstonefitness.com/

It's not as active as it used to be, but it has friendly, knowledgeable people and a ton of information. A lot less "bro" than bodybuilding. com or t-nation. Another place to check out: https://rebellion.nerdfitness.com/
by MoonOrb
Fri Dec 27, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Goodbye USAA
Replies: 72
Views: 9277

Re: Goodbye USAA

Insurance is so weird: I've been in USAA since I was in the military and had always been happy with their rates and customer service, but this thread made me curious. So I got a quote from GEICO. USAA is about half the cost of GEICO, and that is before the subscriber savings account dividend that is...
by MoonOrb
Fri Dec 27, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: Narrowing down where to live
Replies: 55
Views: 5578

Re: Narrowing down where to live

If you like Idaho you will probably like Spokane. Spokane has got considerably more in common with Boise than with western Washington. Dry, cold harsh winter, hot summer, politically more like Boise than Seattle. Within range of a lot of outdoors stuff.
by MoonOrb
Thu Dec 26, 2019 11:43 pm
Forum: Personal Consumer Issues
Topic: China travel: transit without visa
Replies: 25
Views: 1778

China travel: transit without visa

If you have traveled to China and done so without a visa using the Transit Without Visa ( https://www.travelcodex.com/how-to-visit-china-without-a-visa/ ) rule, can you let me know what your experience with checking into your flight and customs, etc. was like? I have a trip planned for February and ...
by MoonOrb
Thu Dec 26, 2019 9:37 pm
Forum: Non-US Investing
Topic: Favorite country to live in after FIRE?
Replies: 191
Views: 18944

Re: Favorite country to live in after FIRE?

I still have thoughts about returning to New Zealand. We've maintained--and plan to continue maintaining--our permanent resident status, but I worry the cost of living and taxes might make it difficult to retire there. But I am keeping it in the back of my mind for the later part of our retirement, ...
by MoonOrb
Thu Dec 26, 2019 4:07 pm
Forum: Investing - Theory, News & General
Topic: My Christmas Gift to You Seventy-Five Years Ago
Replies: 74
Views: 7116

Re: My Christmas Gift to You Seventy-Five Years Ago

Thank you Taylor.
I love that I see this thread every single year.
by MoonOrb
Wed Dec 25, 2019 11:28 pm
Forum: Personal Consumer Issues
Topic: Narrowing down where to live
Replies: 55
Views: 5578

Re: Narrowing down where to live

If you want short winters and you don't want too much rain and you want something that's not too conservative, that doesn't leave many places, especially if you also want the outdoors right on your doorstep. Much of California, but it's likely too expensive. It can be harder to find good schools as ...
by MoonOrb
Wed Dec 25, 2019 11:16 pm
Forum: US Chapters
Topic: My Christmas Present to You
Replies: 106
Views: 13955

Re: My Christmas Present to You

I was hoping Taylor would post about this today. Merry Christmas, Taylor. Profound thanks for all of your many forms of service.
by MoonOrb
Mon Dec 23, 2019 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1659
Views: 419748

Re: Share your net worth progression

If I had a dime for every thread debating either "include house in net worth Y/N" or "pay off mortgage or invest in taxable?" I'd have already reached financial independence.
by MoonOrb
Sat Dec 21, 2019 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1659
Views: 419748

Re: Share your net worth progression

Jan 2013: $600k
Jan 2015: $950k
Jan 2017: $1.25M
Dec 2019: $1.95M

Began tracking it in 2013, but tracking has been sporadic since.
by MoonOrb
Fri Dec 20, 2019 11:55 pm
Forum: Personal Consumer Issues
Topic: How to Protect Your Most Important Asset
Replies: 45
Views: 6775

Re: How to Protect Your Most Important Asset

I've also long been of the mindset that staying healthy leads to good financial outcomes: career not interrupted, fewer medical expenses, possibility of working later in life if needed, etc. I also think that when we do spend money on things, it feels best when we spend on things we value. I value h...
by MoonOrb
Sat Dec 14, 2019 2:22 pm
Forum: Personal Investments
Topic: Growing income and becoming more nervous...
Replies: 28
Views: 4442

Re: Growing income and becoming more nervous...

It seems like a top priority is getting absolute clarity on how to regularly invest given your wife's position and the restrictions/additional process steps that are necessary to do so. Without that as a backdrop, the plan here would be simple: (1) pick an asset allocation that seems reasonable (2) ...
by MoonOrb
Mon Dec 02, 2019 12:45 am
Forum: Investing - Theory, News & General
Topic: Average return for US stock market for the next 10-20 years to use for planning purpose
Replies: 38
Views: 3504

Re: Average return for US stock market for the next 10-20 years to use for planning purpose

I use a range of 1%-4% real, that way there are no surprises except if returns are 0% real. Conservative, I know. I do the same and plan out scenarios with real returns from 1-4%. Then I see how these would play out if I keep contributing at the same amount I am for the next n years, the next n + 1...
by MoonOrb
Mon Apr 15, 2019 8:30 pm
Forum: Investing - Theory, News & General
Topic: Stocks will return about 4% annually over the next decade or so rather than the 10% average annual returns - John Bogle
Replies: 104
Views: 14739

Re: Stocks will return about 4% annually over the next decade or so rather than the 10% average annual returns - John Bo

I get that there is a certain pleasure in participating in wonky threads about speculative future returns but this kind of stuff is, to me, exactly why I: 1. Decide on a reasonable asset allocation 2. Decide on a reasonable amount of money to invest each month 3. Put it all into the lowest cost fund...
by MoonOrb
Sun Mar 17, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Housing should be no more than 28% of your income.
Replies: 66
Views: 7009

Re: Housing should be no more than 28% of your income.

Rules of thumb are just a starting point and helpful for people who need some frame of reference to begin thinking about this question. Mortgage + taxes + insurance= 13.5% in my particular situation, but it was much higher when we bought the house, probably closer to twice that (or, right around 28%...
by MoonOrb
Sun Jan 27, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: 2-week European vacation
Replies: 34
Views: 2763

Re: 2-week European vacation

Skip London. Go to Paris and spend most of your time there and pick one other city on your list (I'd choose Munich). Fly there instead of taking the train because the train will take too long. If you're getting bored of the city you're in and like the train, you can take day trips on the train out o...
by MoonOrb
Wed Jan 23, 2019 12:33 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5656
Views: 1368206

Re: What Movie Have You Recently Watched?

"Searching" with John Cho. Really smart, fascinating thriller. Also nice to see the starring roles go primarily to Asian people which you just don't see that often in American film. For people who like violent action movies: Upgrade (near future sci-fi on a low budget but a lot of fun, sort of The M...
by MoonOrb
Sun Jan 20, 2019 2:39 am
Forum: Personal Consumer Issues
Topic: NY Times $1 per week digital
Replies: 41
Views: 6779

Re: NY Times $1 per week digital

I got this deal. If you don't read the NYT I guess you just post in this thread to let everyone know you disapprove? But for readers of it, it's a very good deal.

It does not cover crosswords. Also, it does not cover most of the cooking section if that matters to you a lot.
by MoonOrb
Thu Jan 03, 2019 3:04 am
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 90
Views: 12033

Re: Living Abroad - Who's done it?

I've done it. Have since repatriated to the US. I have mixed feelings about it. When we did this, we sold our house, our cars, lots of our stuff, quit our jobs, and moved abroad with the idea that we'd stay for a few years or for forever, depending on how we felt about it. We had a great time. It wa...