Search found 55 matches

by TTU
Sun Feb 09, 2014 9:16 pm
Forum: Personal Investments
Topic: How do I make this argument?
Replies: 6
Views: 700

How do I make this argument?

I have a friend who is heavy in SKSEX (1.5% ER) in his Roth IRA, among about 10 different other funds. Like many people I know, his asset allocation is all out of whack. I recommended a simple portfolio and explained to him the basics of asset allocation, low fees, etc. However, I am having a hard t...
by TTU
Wed Jan 22, 2014 8:33 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Website
Replies: 18
Views: 1856

Berkshire Website

This is the website of the ninth largest public company in the world:

http://www.berkshirehathaway.com/

Too funny!
by TTU
Wed Jan 15, 2014 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Reached first savings milestone: 1x salary
Replies: 29
Views: 3980

Re: Reached first savings milestone: 1x salary

Congrats! What a great accomplishment!
by TTU
Sat Jan 11, 2014 6:35 am
Forum: Personal Consumer Issues
Topic: 8 hour layover in Honolulu. How to use time.
Replies: 62
Views: 14754

Re: 8 hour layover in Honolulu. How to use time.

You could definitely get to the USS Arizona. Its very very popular, but only a 10 min cab ride from the airport. Grab a cab and head over to the memorial - go immediately to grab a boat ticket to take you out to the site (they usually run an hour or two behind when you arrive) and then enjoy the mus...
by TTU
Tue Dec 31, 2013 3:17 pm
Forum: Personal Consumer Issues
Topic: "Cheapskate of the Year"
Replies: 87
Views: 12107

Re: "Cheapskate of the Year"

A friend of mine asked for a military discount for a $4 bill at GOODWILL! He got 10% off, a whopping 40 cents!
by TTU
Sat Dec 21, 2013 8:08 am
Forum: Personal Consumer Issues
Topic: question about exercise
Replies: 25
Views: 4705

Re: question about exercise

I agree, Crossfit would be a great way to supplement your windsurfing regiment. Crossfit.com should get you the basic information you need to start. Read the FAQ!
by TTU
Wed Dec 04, 2013 11:05 am
Forum: Personal Consumer Issues
Topic: Thoughts on having kids?
Replies: 101
Views: 6091

Re: Thoughts on having kids?

I think most would say they are very very expensive. I guess I am not one of most. I think the above statement is a myth that is perpetuated in the media and in forums like this. I find kids that are not expensive, unless you make them expensive. I don't know why one would want to make them expensi...
by TTU
Tue Nov 26, 2013 11:11 am
Forum: Personal Finance (Not Investing)
Topic: should my nephew apply to a top-tier university?
Replies: 274
Views: 16664

Re: should my nephew apply to a top-tier university?

Tell him to apply to a service academy. Outstanding education, free, and a guranteed job afterwards :)
by TTU
Mon Nov 11, 2013 9:32 pm
Forum: US Chapters
Topic: A thank-you to veterans
Replies: 32
Views: 2200

Re: A thank-you to veterans

Semper Fi and thank you for everything you guys do. My wife's job is much harder than mine and more selfless.
by TTU
Wed Oct 30, 2013 6:21 am
Forum: Personal Finance (Not Investing)
Topic: Army First Lieutenant unwilling to open TSP account
Replies: 71
Views: 7975

Re: Army First Lieutenant unwilling to open TSP account

One thing that hasn't been mentioned is that if she pursues professional or graduate school right after her service commitment she will have limited GI educational benefits (her service academy time does not count for such benefits) and she will likely have to pay a lot of the freight for a post-gr...
by TTU
Mon Oct 28, 2013 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Army First Lieutenant unwilling to open TSP account
Replies: 71
Views: 7975

Re: Army First Lieutenant unwilling to open TSP account

She is making PLENTY of money. Lets say she is at Fort Benning (extremely low cost of living area) with zero dependents: Shes making 4600 per month with deductions. In Hawaii? 7105 per month with deductions. I get different numbers. From the 2013 pay tables, an O-2 first gets $4,493.7 per month. Pl...
by TTU
Mon Oct 28, 2013 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Army First Lieutenant unwilling to open TSP account
Replies: 71
Views: 7975

Re: Army First Lieutenant unwilling to open TSP account

She makes plenty of money, especially if she gets deployed anytime as an O-2. She is making anywhere from 6,000-8,000 per month, depending on where she is stationed and if she is married or has kids (for cost of living allowance). Amount of money should not be an issue. If you can't convince her to...
by TTU
Mon Oct 28, 2013 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Army First Lieutenant unwilling to open TSP account
Replies: 71
Views: 7975

Re: Army First Lieutenant unwilling to open TSP account

She makes plenty of money, especially if she gets deployed anytime as an O-2. She is making anywhere from 6,000-8,000 per month, depending on where she is stationed and if she is married or has kids (for cost of living allowance). Amount of money should not be an issue. No way she is making that mu...
by TTU
Mon Oct 28, 2013 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Army First Lieutenant unwilling to open TSP account
Replies: 71
Views: 7975

Re: Army First Lieutenant unwilling to open TSP account

She makes plenty of money, especially if she gets deployed anytime as an O-2. She is making anywhere from 6,000-8,000 per month, depending on where she is stationed and if she is married or has kids (for cost of living allowance). Amount of money should not be an issue. If you can't convince her to ...
by TTU
Sun Oct 06, 2013 4:26 pm
Forum: Personal Investments
Topic: Young invester here just about to start.
Replies: 17
Views: 3266

Re: Young invester here just about to start.

OP, if USCG means the Coast Guard, you have access to the Thrift Savings Plan, which I believe is superior to any product w. Vanguard. I would invest in this - the Roth option - before I would fund a Roth via Vanguard.
by TTU
Sun Sep 29, 2013 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Going without a pre-nup?
Replies: 255
Views: 18858

Re: Going without a pre-nup?

Besides for the record divorce statistics are skewed dramatically by those who marry under age 22 and those who rack up multiple divorces. If you take those groups out and only look at people with college degrees, the divorce rate plummets from 50%ish to 20%ish. I've read variants of that fact in m...
by TTU
Tue Sep 24, 2013 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Going without a pre-nup?
Replies: 255
Views: 18858

Re: Going without a pre-nup?

"The only sure-fire way to do this is to date someone who is at least in her/his 30s, and date her/him for 5 years before getting married."

Really? This is the only sure-fire way? So you should only marry when you are in your 30's or older, and you must date for five years. This is laughable.
by TTU
Mon Sep 23, 2013 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Going without a pre-nup?
Replies: 255
Views: 18858

Re: Going without a pre-nup?

Agree with Sam Gamgee... How about you make sure you really want to marry her...and make sure she is as committed as you are. And then work at your marriage. My wife and I are Christians. Its worked out for us. Divorce in our case isn't an option. The divorce rate in our country is abysmal, and I do...
by TTU
Sat Aug 31, 2013 5:52 am
Forum: Personal Investments
Topic: Frustration with Vanguard
Replies: 21
Views: 5399

Re: Frustration with Vanguard

All, Thanks for the responses. Again, I want to reiterate I wasn't upset with Vanguard for locking me out of my wife's account - that was completely justifiable. I'm frustrated that they didn't let us know they had locked the account, that they provided incorrect instructions (substantiated by recor...
by TTU
Fri Aug 30, 2013 10:26 am
Forum: Personal Investments
Topic: Frustration with Vanguard
Replies: 21
Views: 5399

Frustration with Vanguard

I manage my wife’s Roth IRA. When I called Vanguard to ask a question about her account, I was told I was not allowed to access her account without an agent authorization form. Understandable, I said, and I told the representative I would no longer do so. Two weeks later, my wife is locked out of he...
by TTU
Tue Aug 13, 2013 5:50 am
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 10747

Re: USAA disappoints!

My car was stolen while I was deployed. Eventually had to call a lawyer (family friend) to encourage them to help me out. The most frustrating aspect was constantly being rolled to new representatives. Seemed like they would reassign the case to a new rep every few days in an attempt to frustrate me...
by TTU
Wed Aug 07, 2013 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Personal financial account aggregation software
Replies: 27
Views: 8153

Re: Personal financial account aggregation software

Big fan of PersonalCapital. They aren't exactly small...they received 28 million just to start and are on track for 200 employees by the end of the year-
by TTU
Thu Jul 04, 2013 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: becoming a landlord? your thoughts, please
Replies: 31
Views: 4130

Re: becoming a landlord? your thoughts, please

Becoming a landlord for a house less than 15 miles away is not the same as starting a small business! I am a landlord myself. You find good renters through a thorough vetting process. Credit scores tell you a lot about people. Get good references and past employers/landlords. Believe it or not, ther...
by TTU
Thu Jul 04, 2013 10:32 am
Forum: Personal Consumer Issues
Topic: What are you seeing in your Local Housing Market?
Replies: 82
Views: 7943

Re: What are you seeing in your Local Housing Market?

Oahu. Total seller's market. Inventory is really low, median home price is $635,000, and houses are getting offers before their first showing.
by TTU
Fri Jun 28, 2013 7:17 am
Forum: Personal Finance (Not Investing)
Topic: I love the smell of fear in the markets
Replies: 34
Views: 5707

Re: I love the smell of fear in the markets

Its ok to be excited about an investment opportunity. Just because you are looking forward to future returns doesn't mean you like people getting fired or your grandparents retirement savings getting wiped out. They aren't one and the same.
by TTU
Wed Jun 19, 2013 1:42 am
Forum: Personal Investments
Topic: Interest free loan?
Replies: 18
Views: 1387

Interest free loan?

Bogleheads, What are your opinions on interest free loans? While I enjoy not having debt, my personal opinion is that it can be smart if utilized properly. Hypothetically, a $15,000 loan that must be paid over 24 months. Income is sufficient to afford payments easily. No other debt. Interest free as...
by TTU
Sun Jun 16, 2013 11:53 pm
Forum: Personal Investments
Topic: Reevaluating Investments: 3 Fund and Roth TSP to Roth IRA
Replies: 6
Views: 1194

Re: Reevaluating Investments: 3 Fund and Roth TSP to Roth IR

Don't look at the lack of options in the TSP as a disadvantage. This is the "beauty of simplicity" of the TSP on top of its rock bottom expense ratios, currently at .027 (Vanguard's expense ratio for Total Stock Market Admiral Shares is nearly double at .05). TSPs funds are index funds, similar fund...
by TTU
Sat Jun 15, 2013 1:02 pm
Forum: Personal Investments
Topic: Best book for complete beginner
Replies: 28
Views: 2717

Re: Best book for complete beginner

I second "The Millionaire Teacher." Its so accessible, motivating, and actually laugh out loud funny. Its the first book I recommend to anyone wanting to learn about building wealth.
by TTU
Mon Jun 10, 2013 8:21 am
Forum: Investing - Theory, News & General
Topic: Investments Counseling Document
Replies: 2
Views: 381

Investments Counseling Document

Good evening Bogleheads! I have been counseling a decent amount of motivated young Marines here at work, helping them start saving, build their investments, etc. My question is this: Does anyone have a standard Excel like document that you can plug and play for individuals as you walk them through t...
by TTU
Sun Jun 09, 2013 5:46 am
Forum: Personal Finance (Not Investing)
Topic: Help create a Financial Presentation: Calling all Bogleheads
Replies: 129
Views: 25710

Re: Help create a Financial Presentation: Calling all Bogleh

Ive been thinking about proposing the same thing for a long time - trying to educate young Marines. I would be happy to help.
by TTU
Sun Jun 09, 2013 5:34 am
Forum: Personal Consumer Issues
Topic: Do I really need a Smartphone?
Replies: 433
Views: 42486

Re: Do I really need a Smartphone?

My phone: http://reviews.cnet.com/cell-phones/at-t-u2800a-gophone/4505-6454_7-35001633.html Does everything I need except GPS. I find myself observing my surroundings, actually interacting with other humans, and focusing on life's important things instead of a status update, tweet, or the score of t...
by TTU
Thu Jun 06, 2013 5:50 pm
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 57470

Re: Premium Products That Are Worth It To You

Festool Power Tools
by TTU
Mon Jun 03, 2013 5:04 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 6
Views: 880

Re: Portfolio Review

Funflights,

Remember, 2013 Roth IRA limit is $5500, not $5000. An extra $1000 :happy
by TTU
Fri May 31, 2013 12:42 am
Forum: Personal Investments
Topic: Advice for newcomer! 27 and feel a bit lost...need guidance
Replies: 5
Views: 906

Re: Advice for newcomer! 27 and feel a bit lost...need guida

Speedstick, To answer your questions- 1. Check out this article: http://www.businessinsider.com/what-to-do-if-your-job-doesnt-offer-a-401k-2012-4 Should be able to get all your answers to question #1 from this article. 2. You can exchange your funds within your Vanguard account at no penalty. Log in...
by TTU
Tue May 28, 2013 8:58 pm
Forum: Personal Investments
Topic: portfolio review request from new doc
Replies: 11
Views: 1365

Re: portfolio review request from new doc

In my opinion, this is a somewhat frustrating trend that I have noticed on the board about portfolio reviews. The OP isnt asking for advice about his mortgage. Further, he clearly states it a lifestyle choice that he and his wife (who have been toiling away for 11 years) have made. He then asks to p...
by TTU
Tue May 28, 2013 3:30 am
Forum: Personal Investments
Topic: First Timer - Portfolio [Military]
Replies: 5
Views: 684

Re: First Timer - Portfolio [Military]

Laura, Thank you for your post. It applies to me as well, I posted a similar question to the OP a few months back. William, A few points - about the "tilt," William Bernstein doesn't recommend "tilting" until you hit about 250-500K. I follow that advice and as such have a few more years to go... Are...
by TTU
Sat May 25, 2013 8:31 am
Forum: Personal Consumer Issues
Topic: Year Round Living on a Sandy Beach
Replies: 55
Views: 6783

Re: Year Round Living on a Sandy Beach

St. Augustine Beach, Florida. As a lifelong resident, I can tell you its a wonderful place. Oldest city in the country, miles of white sandy beach, and a lot of character.
by TTU
Wed May 22, 2013 7:01 am
Forum: Personal Consumer Issues
Topic: how to safely sell a car
Replies: 30
Views: 4288

Re: how to safely sell a car

Ive sold three cars in the past two years. Meet at a public location during the day. Think McDonalds, grocery, etc. Have him (or her) check the car out and give you the keys to their car when they take it for a test drive. Ask to hold onto their license. Let them drive it without you in it - Honestl...
by TTU
Tue May 14, 2013 1:07 am
Forum: Personal Investments
Topic: Just Sold Out. What do you think?
Replies: 95
Views: 9523

Re: Just Sold Out. What do you think?

No one can time the market. I think its a rushed, emotional decision and one that I completely disagree with, especially since you didn't reach your target and you have many years of investing ahead of you.
by TTU
Sat May 11, 2013 8:22 am
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 172
Views: 20340

Re: Books that have actually changed your life, in a way.

The Bible The Five Love Languages - improved my marriage immensely The Screwtape Letters A Land Remembered - should be mandatory for all Floridians Total Money Makeover - as said earlier, an imperfect spark to spend less and save more Atlas Shrugged - a life philosophy Fast Food Nation - never looke...
by TTU
Fri May 10, 2013 1:59 am
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 9076

Re: Renting - The Boglehead Way

You should be able to do a Google search for the Landlord/Tenant handbook applicable to the state you are renting in - the one for Hawaii is full of useful information for landlords and tenants alike. If your landlord knows you are savvy enough to find and read the rules and regulations, it will pro...
by TTU
Sun Apr 21, 2013 5:44 am
Forum: Investing - Theory, News & General
Topic: Why are you a boglehead ???
Replies: 60
Views: 5374

Re: Why are you a boglehead ???

Because it makes sense
by TTU
Tue Apr 02, 2013 8:37 am
Forum: Personal Investments
Topic: Help - young military investor with family [Military]
Replies: 23
Views: 1711

Re: Help - young military investor with family [Military]

Calm Man, People in the military aren't laid off, they just aren't retained after they fulfill their contractual obligations. Further, its an equal reduction across both the officer and enlisted ranks...usually there isn't any bias unless one or the other is bloated. And officers are not targeted wh...
by TTU
Tue Apr 02, 2013 4:02 am
Forum: Personal Consumer Issues
Topic: Best Caulking for Bathtub?
Replies: 16
Views: 42898

Re: Best Caulking for Bathtub?

Let me make one suggestion (not sure if you have one or not). Spend the extra $10 on a QUALITY caulk gun, like the DRIPLESS brand. I bought one instead of the cheap all metal, and it makes all the difference in the world. Caulking is actually fun, and theres little to no clean up and very smooth app...
by TTU
Mon Apr 01, 2013 9:49 pm
Forum: Personal Investments
Topic: Help - young military investor with family [Military]
Replies: 23
Views: 1711

Re: Help - young military investor with family [Military]

Bayview,

That's great advice and it makes sense. I'm always hesitant to have too much in emergency funds but I think you are pretty on the ball with your recommendation. Thank you!
by TTU
Mon Apr 01, 2013 8:43 pm
Forum: Personal Investments
Topic: Help - young military investor with family [Military]
Replies: 23
Views: 1711

Re: Help - young military investor with family [Military]

DTI is right at 39% (my $85,000 income quoted is for when I move to DC as an O-3 in a few months). The loan was approved with my income in Hawaii (above $90,000).
by TTU
Mon Apr 01, 2013 6:06 pm
Forum: Personal Investments
Topic: Help - young military investor with family [Military]
Replies: 23
Views: 1711

Re: Help - young military investor with family [Military]

All, Thought long and hard about the real estate before I purchased it. As you may or may not know, a VA loan is one of the most conservative loans that can be extended to a consumer. A portion of the loan is guaranteed by the VA. Further, the approval process takes about twice as long as a conventi...
by TTU
Mon Apr 01, 2013 6:44 am
Forum: Personal Investments
Topic: Help - young military investor with family [Military]
Replies: 23
Views: 1711

Re: Help - young military investor with family [Military]

Nimo - calculated the cap rate...looks like 6.96%. Making 48,000 in rent per year, budget about 4,000 in expenses to maintain the house. 44,000/632,000 (purchase price) = 6.96%

And thank you for your advice! Whats your opinion of the cap rate?
by TTU
Mon Apr 01, 2013 2:43 am
Forum: Personal Investments
Topic: Help - young military investor with family [Military]
Replies: 23
Views: 1711

Re: Help - young military investor with family [Military]

Cuno, if you have any questions about it shoot me a PM. I'd be glad to share my experience and recommendations! But yes, the price tag is a little intimidating!