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by Meaty
Mon May 18, 2015 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads (in general) plan to finance their healthcare for later life?
Replies: 34
Views: 3529

Re: How do Bogleheads (in general) plan to finance their healthcare for later life?

With a roth you fund with after tax dollars and get tax free accumulation. With a HSA you never pay taxes (contributions or gains) ever so long as you use it for medical expenses. Long term care insurance has gotten ridiculously expensive and the benefits tend to be limited; I couldn't justify the p...
by Meaty
Fri May 15, 2015 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 328
Views: 41194

Re: What are you up YTD?

11.50%
by Meaty
Sun Apr 26, 2015 2:55 pm
Forum: Personal Consumer Issues
Topic: Home Thermostat Wiring
Replies: 15
Views: 2042

Re: Home Thermostat Wiring

In addition to the above I wouldn't loop you compressor fan like you described. That just means the fan will always run (even if the AC/heat pump isn't)
by Meaty
Sun Apr 26, 2015 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley for pool fund?
Replies: 13
Views: 1195

Re: Wellesley for pool fund?

Great responses; thank you everyone. I fall into the mindset articulated here. I realize money is fungible and, therefore, there is no need to bifurcate from my portfolio but it just helps me ensure my separate goals are being achieved independent of a "want" like a pool Fair enough. Howe...
by Meaty
Sun Apr 26, 2015 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Wellesley for pool fund?
Replies: 13
Views: 1195

Re: Wellesley for pool fund?

I would do it. The Wellesley fund was only down 9.84% in 2008. Other than that, it has performed very well for a 1/3 stock and 2/3 bond fund. But how risky is the OP's overall portfolio? Why not just withdraw money from the portfolio as a whole when it is needed? What is the need to put the money i...
by Meaty
Sun Apr 26, 2015 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Wellesley for pool fund?
Replies: 13
Views: 1195

Re: Wellesley for pool fund?

If you are firm on $40k expense, how will you make up for a 20 to 30% decline in Total Stock Market Index if this happens during your saving period? A firm commitment for funds in 5 years or less is better invested in CDs, money markets or cash. There is no way to predict that the market will be at...
by Meaty
Sun Apr 26, 2015 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Wellesley for pool fund?
Replies: 13
Views: 1195

Wellesley for pool fund?

We plan to put in a pool. The cost will be around 40k so I'll need to save up my bonus for 2 years. Since this isn't emergency fund or down payment money, would you recommend taking market risk with the funds? Are there other relatively safe options that will afford better growth/risk/liquidity? Tha...
by Meaty
Sun Apr 19, 2015 6:55 am
Forum: Personal Consumer Issues
Topic: New HVAC
Replies: 21
Views: 1557

Re: New HVAC

I would go ahead and buy now. I think you are making the right choice going 2 stage (and presumably variable speed airhandler/furnace). As stated (and as you confirmed) be sure to get load calculation so that your system is sized correctly. Try to get a 4-5" filter rather than 1" (filters...
by Meaty
Sat Apr 18, 2015 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 66
Views: 9042

Re: Two Comma Club

Congrats. According to the calc I used I won't hit 1M until I'm 40 (9 yrs)
by Meaty
Sat Apr 18, 2015 8:00 pm
Forum: Personal Consumer Issues
Topic: New HVAC
Replies: 21
Views: 1557

Re: New HVAC

ralph124cf wrote:Does this system have a gas furnace as well as the AC unit, or is this an air source heat pump?

Ralph


Furnace and AC. Gas is way cheaper here than electricity so no need for heat pump
by Meaty
Sat Apr 18, 2015 7:31 pm
Forum: Personal Consumer Issues
Topic: Safety Deposit Box is Necessary (+1 plug:)
Replies: 33
Views: 4583

Re: Safety Deposit Box is Necessary (+1 plug:)

drawpoker wrote:Cannot make out from this if OP is male or female. If the latter, must say you were very brave (or foolhardy) to confront a burglar in the act. Whatever the gender, it's a pity you didn't have a gun handy, and punch his ticket "cancelled".


+1.
by Meaty
Sat Apr 18, 2015 7:11 pm
Forum: Personal Consumer Issues
Topic: New HVAC
Replies: 21
Views: 1557

Re: New HVAC

I appreciate the responses so far. The CO is good and I have detectors in case it starts leaking. I did a load calculation myself to see if the rep would give me something similar (or do it at all). His number was close to mine. It is also worth mentioning I live in the south and it will likely be 1...
by Meaty
Sat Apr 18, 2015 6:35 pm
Forum: Personal Consumer Issues
Topic: New HVAC
Replies: 21
Views: 1557

New HVAC

I recently purchased a new home and the existing HVAC system is 20 years old. I'm considering purchasing all new (quoted at 12k for a 5 ton 17 seer 2 stage) but am wondering if I should just ride out the existing system until it dies. I'm sure the efficiency improvement from the new system will be s...
by Meaty
Thu Nov 13, 2014 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 4692

Re: Obligation to Parents?

My mother blew through huge amounts of money and continually makes very poor finacial decisions. As a result, I made up my mind long ago I would not enable her by giving her any money. She has SS and a small pension. That's more than most have and she's able to live in a decent place, buy food and m...
by Meaty
Sun Nov 09, 2014 10:47 am
Forum: Investing - Help with Personal Investments
Topic: What is your age and AA?
Replies: 219
Views: 58370

Re: What is your age and AA?

Age 30
100% US Stock + 9 months cash
by Meaty
Sat Nov 08, 2014 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Made a huge mistake, need help
Replies: 50
Views: 10246

Re: Made a huge mistake, need help

It sounds like you are trying to time the market by "riding out the downturn" etc. You need to create an asset allocation and plan that meets your risk tolerance. Additionally, you can roll the IRA over to a low cost provider like Vanguard or Fidelity. Regarding the desire for 20k of annua...
by Meaty
Tue Oct 07, 2014 7:09 pm
Forum: Investing - Theory, News & General
Topic: A good day to be in heavy in Bonds --- 10-7-2014....
Replies: 28
Views: 3488

Re: A good day to be in heavy in Bonds --- 10-7-2014....

Huh? The market was down? Guess that's the beauty of our strategy, I don't care and don't need to
by Meaty
Tue Sep 09, 2014 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Pension buyout - rollover to roth?
Replies: 4
Views: 509

Re: Pension buyout - rollover to roth?

The buyout is $11,500. The monthly benefit (33 years from now) will be $445 per month. These numbers are obviously not huge but I figure 11k invested for the next 30 years will yield a greater purchasing power....$400 in 30 years will probably buy a gallon of milk. :) I'm in the 28% tax bracket toda...
by Meaty
Tue Sep 09, 2014 5:05 am
Forum: Investing - Help with Personal Investments
Topic: Pension buyout - rollover to roth?
Replies: 4
Views: 509

Pension buyout - rollover to roth?

My former employer is willing to buyout my pension which I plan to pursue. My question is, can I roll that into a roth without paying an early withdrawal penalty? Obviously I would have to pay income tax but I'd want to avoid the additional 10% tax normally associated with "accessing" reti...
by Meaty
Tue Sep 02, 2014 6:05 pm
Forum: Personal Consumer Issues
Topic: which engine and transmission options to choose for Tacoma?
Replies: 44
Views: 2667

Re: which engine and transmission options to choose for Taco

I have the V6 taco. It's a great truck. Gas mileage is decent, does well in slick conditions, and hauls plenty unless you're a contractor or lumber jack
by Meaty
Mon Sep 01, 2014 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 4135

Re: Does your employer still offer pensions to new hires?

No. I would be surprised to find many non-government jobs that still offer DB pension plans to new employees. If you find any, they are likely to be in companies that have unionized blue-collar employees. I worked for Megacorp #1 until 2004 and had a DB pension. Around 2000 they switched new employ...
by Meaty
Sat Aug 30, 2014 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 4135

Re: Does your employer still offer pensions to new hires?

No. I would be surprised to find many non-government jobs that still offer DB pension plans to new employees. If you find any, they are likely to be in companies that have unionized blue-collar employees. I worked for Megacorp #1 until 2004 and had a DB pension. Around 2000 they switched new employ...
by Meaty
Fri Aug 29, 2014 4:16 pm
Forum: Personal Consumer Issues
Topic: Do you mix inheritance and earned money?
Replies: 25
Views: 2365

Re: Do you mix inheritance and earned money?

Money is fungible
by Meaty
Thu Aug 28, 2014 6:25 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P 500 Index at record 2000
Replies: 4
Views: 916

Re: BOGLEHEAD CONTEST -- S&P 500 Index at record 2000

Rank 140. 2032 seems like a stretch from here
by Meaty
Fri Aug 08, 2014 4:39 pm
Forum: Investing - Theory, News & General
Topic: Using a Roth IRA instead of a 529
Replies: 3
Views: 337

Re: Using a Roth IRA instead of a 529

Until you have a fully funded emergency fund I think it's imprudent to save for your niece's college education
by Meaty
Sun Aug 03, 2014 5:54 am
Forum: Personal Consumer Issues
Topic: SUV tires
Replies: 17
Views: 1856

Re: SUV tires

Thanks for all of the replies. The murano forum proved to be very helpful
by Meaty
Sat Aug 02, 2014 5:50 pm
Forum: Personal Consumer Issues
Topic: SUV tires
Replies: 17
Views: 1856

Re: SUV tires

Dallas area. We get a bit of it all from a weather perspective
by Meaty
Sat Aug 02, 2014 2:53 pm
Forum: Personal Consumer Issues
Topic: SUV tires
Replies: 17
Views: 1856

SUV tires

It's that time again when we need to replace tires on our Nissan murano. Any recommendations on the best all weather tires?
by Meaty
Wed Jul 30, 2014 4:42 am
Forum: Investing - Help with Personal Investments
Topic: retirement savings for my young kids?
Replies: 29
Views: 2640

Re: retirement savings for my young kids?

One thing to consider; if you open accounts in their individual names, they get married and subsequently divorced, the money you saved them will be part of the marital estate and split with their future ex. I know you're only talking about $10k but it might make sense to either set up a trust or ke...
by Meaty
Tue Jul 29, 2014 4:37 am
Forum: Investing - Help with Personal Investments
Topic: retirement savings for my young kids?
Replies: 29
Views: 2640

Re: retirement savings for my young kids?

One thing to consider; if you open accounts in their individual names, they get married and subsequently divorced, the money you saved them will be part of the marital estate and split with their future ex. I know you're only talking about $10k but it might make sense to either set up a trust or kee...
by Meaty
Mon Jul 28, 2014 5:55 pm
Forum: Personal Consumer Issues
Topic: Possibility of getting sued - what steps to take
Replies: 25
Views: 4126

Re: Possibility of getting sued - what steps to take

Had you been onboard, you could have screamed "repel boarders" and whacked him with a belaying pin. The guy was obviously a drunk pirate, and should have been arrested as such. Sue him for trespass by piracy, right now. I doubt his homeowner's insurance (assuming he has any) will cover hi...
by Meaty
Thu Jul 17, 2014 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Codebtor Bankruptcy - Defaulted Student Loan
Replies: 4
Views: 972

Re: Codebtor Bankruptcy - Defaulted Student Loan

You can keep paying and it's probably in your best interest to do so. Frankly, I'm surprised they haven't filed for co-debtor relief so they can start pursuing you already.
by Meaty
Wed Jul 16, 2014 5:29 am
Forum: Personal Finance (Not Investing)
Topic: Inherited a promissory note--what to do?
Replies: 22
Views: 2716

Re: Inherited a promissory note--what to do?

Idea. Can the promissory note (and accrued interest) be given to a (viscous, litigious,...) charitable organization (with more resources to collect)... and written off as a charitable contribution on your taxes... thus jumping ahead of any IRS claim on the estate? Does organized crime have recogniz...
by Meaty
Wed Jul 16, 2014 4:54 am
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 8287

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

Paying off the loan is a bad idea given the trustee can declare it a preferential payment (see 11 USC section 547) which, in effect, takes your payoff away and disperses it to other creditors. This is why its important that the loan is secured by the car. The secured loan would be paid off before a...
by Meaty
Tue Jul 15, 2014 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 8287

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

Paying off the loan is a bad idea given the trustee can declare it a preferential payment (see 11 USC section 547) which, in effect, takes your payoff away and disperses it to other creditors. This is why its important that the loan is secured by the car. The secured loan would be paid off before a...
by Meaty
Tue Jul 15, 2014 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 8287

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

Paying off the loan is a bad idea given the trustee can declare it a preferential payment (see 11 USC section 547) which, in effect, takes your payoff away and disperses it to other creditors. Regarding the impact on your credit, there are way too many factors in play to say exactly how it will impa...
by Meaty
Wed Jul 02, 2014 4:44 am
Forum: Personal Finance (Not Investing)
Topic: Budget or create saving buckets?
Replies: 109
Views: 8490

Re: Budget or create saving buckets?

avenger wrote:Wow. That all seems so complicated - why the need to do such mental accounting? Money is money.


+1. Money is fungible. I've always just used one savings account and added to it for upcoming expenditures like vacations
by Meaty
Sun Jun 29, 2014 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: What To Do With Underwater Rental
Replies: 33
Views: 2720

Re: What To Do With Underwater Rental

I would walk away or short sale, it seems like the best decision, especially if you don't have an emergency fund. This is a money pit , especially with the maintenance. Tell the bank you'll walk if they don't cooperate on the short sale. How about living up to ones obligations? Why not short sell a...
by Meaty
Sat Jun 28, 2014 11:49 am
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4904

Re: How many Bogleheads golf?

To slow paced for me.
by Meaty
Thu Jun 26, 2014 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Our 401k Adviser's defense against high 1.5% expense ...
Replies: 7
Views: 942

Re: Our 401k Adviser's defense against high 1.5% expense ...

Rupert wrote:Ask him why an ERISA rider for your company's general Directors and Officers liability policy wouldn't protect the company better or as well as his services in the face of a lawsuit.


+1
by Meaty
Tue Jun 24, 2014 6:24 pm
Forum: Personal Consumer Issues
Topic: Directv
Replies: 36
Views: 2626

Re: Directv

Drop TV altogether or go with Apple TV
by Meaty
Sun Jun 22, 2014 6:58 am
Forum: Personal Finance (Not Investing)
Topic: How much $$ to change jobs?
Replies: 52
Views: 4525

Re: How much $$ to change jobs?

What caught me is "high accountability which I do not like". If that's your perspective then you should stay in the gov job.......
by Meaty
Wed Jun 18, 2014 5:05 am
Forum: Personal Finance (Not Investing)
Topic: How much do you contribute to your HSA?
Replies: 17
Views: 1024

Re: How much do you contribute to your HSA?

livesoft wrote:I contribute the max allowed by law. I have never withdrawn any money from my HSA since I started it a few years ago.


+1
by Meaty
Tue Jun 17, 2014 4:48 am
Forum: Investing - Help with Personal Investments
Topic: Next steps after 401k/Roth IRA max
Replies: 7
Views: 932

Re: Next steps after 401k/Roth IRA max

If you have a HSA I'd recommend you max that next. It's essentially an IRA that never gets taxed if you spend on medical expenses. From there, I'd recommend a combination of 529 and increasing after tax 401k contributions. Many here will tell you to go all in on the 401k after tax, but in my view yo...
by Meaty
Sun Jun 15, 2014 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 9065

Re: Are hybrid cars a good idea yet?

We did the math comparing a comparably equipped honda fit and prius c, assuming either is bought new with cash and held for 200,000 miles. With our predominantly city miles (which is where you get the big hybrid advantage) and assuming gas at $3.30/gallon, we expect to come out slightly ahead with ...
by Meaty
Sat Jun 14, 2014 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: How can this be legal (employers over-riding employee 401k)
Replies: 23
Views: 1822

Re: How can this be legal (employers over-riding employee 40

It seems like an excellent move for the majority of individuals for exactly the reason explained in the article. It is true that most individuals have no idea how to choose their investments and would benefit from this type of adjustment. So why not put on a seminar discussing finacial literacy? At...
by Meaty
Sat Jun 14, 2014 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: How can this be legal (employers over-riding employee 401k)
Replies: 23
Views: 1822

Re: How can this be legal (employers over-riding employee 40

It seems like an excellent move for the majority of individuals for exactly the reason explained in the article. It is true that most individuals have no idea how to choose their investments and would benefit from this type of adjustment. So why not put on a seminar discussing finacial literacy? At...
by Meaty
Fri Jun 13, 2014 4:24 pm
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 9459

Re: What Do You Eat For Snacks?

Grt2bOutdoors wrote:
topper1296 wrote:Homemade protein bars. Whey protein, honey, peanut butter, oats and dark chocolate chips.


Can I have the recipe?


I'd be interested too

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