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Re: If I am a LT investor, should I forgo a bond allocation?

I do not own bonds and I would not recommend bonds for a young investor with a long time horizon.
by tainted-meat
Thu Oct 30, 2014 8:57 am
 
Forum: Investing - Theory, News & General
Topic: If I am a LT investor, should I forgo a bond allocation?
Replies: 28
Views: 1944

Re: Schwab expands no commission ETFs-no early sell fee

Schwab has really stepped up their game. I'd consider them among the best providers especially with the quality ETF selection.
by tainted-meat
Wed Oct 29, 2014 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab expands no commission ETFs-no early sell fee
Replies: 37
Views: 2424

Re: maximize investment priority - 401k, ira, hsa, lpfsa

The HSA should come right after any 401k match amount. You save on FICA taxes doing this which is significant.
by tainted-meat
Tue Oct 28, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: maximize investment priority - 401k, ira, hsa, lpfsa
Replies: 22
Views: 1308

Re: Portfoilio Help

I can't answer all of your questions, but I'll take a crack at some.

Your Roth IRA at Schwab is fine. I see you found their ETFs which are dirt cheap - definitely use those.

Personally, I like scenario 1.
by tainted-meat
Mon Oct 27, 2014 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfoilio Help
Replies: 2
Views: 440

Re: Vanguard Emerging Markets Stock Yield

I have taken a big beating on Emerging Markets since I've invested in them heavily the past year and a half. With that said, the valuations are way too attractive to ignore. All I can do is keep pumping :moneybag into EM and hope for the best :happy .
by tainted-meat
Mon Oct 27, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Emerging Markets Stock Yield
Replies: 14
Views: 2304

Re: Closing a house on Thursday but...

I'm not really sure what you are asking.

Do you still want the house?
by tainted-meat
Mon Oct 27, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Closing a house on Thursday but...
Replies: 21
Views: 2111

Re: Should I Sue? [couch damaged in garage of rental]

I'm surprised the management company is offering anything since it was stored in the garage.
by tainted-meat
Fri Oct 24, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Should I Sue? [couch damaged in garage of rental]
Replies: 39
Views: 3225

Re: Making an offer today

I don't understand why anyone feels the OP did something wrong with what they offered. The seller probably spent all of 1 minute deciding it wasn't viable for them. No harm, no foul. Additionally, the value of the home currently has nothing at all to do with what the seller paid for it. It may make...
by tainted-meat
Thu Oct 23, 2014 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Making an offer today
Replies: 44
Views: 4762

Re: 50K investment

I'd also have him max his TSP to the limit and use a portion of the 50k for spending if necessary. Also, if he's eligible for an HSA have him max that too.
by tainted-meat
Thu Oct 16, 2014 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50K investment
Replies: 4
Views: 329

Re: need moral support (kinda)

You said you need 200k for a down payment. Are you buying a million dollar home?

I'd only put down 20% max at these interest rates.
by tainted-meat
Wed Oct 15, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: need moral support (kinda)
Replies: 33
Views: 2905

Re: Find a way to explain to me "WHY" should I break up w/ M

I don't think you need to sell it at that low of a position (15%) unless you want to. There's nothing wrong with keeping it in my opinion.
by tainted-meat
Wed Oct 15, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Find a way to explain to me "WHY" should I break up w/ MDISX
Replies: 23
Views: 1119

Re: What is common for a severance package?

For the average entry level management employee (supervisor level), I'd say it's probably one week per year of service. So in her case, 7 weeks. If she is upper management, that is a completely different story.
by tainted-meat
Wed Oct 15, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: What is common for a severance package?
Replies: 25
Views: 1821

Re: Best town I've never heard of [for relocating]

That's easy, Bloomington, Indiana. It's 45 minutes South of Indianapolis.
by tainted-meat
Sat Oct 11, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9779

Re: Why not 100% Stocks?

I don't carE about short term losses. Bonds don't have a high enough expected return for me to touch. Besides, if crap really did hit the fan one could argue that bond payments would not be honored.
by tainted-meat
Sat Oct 11, 2014 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20879

Re: First meeting with real estate agent

When you buy, make sure you have an exit strategy. It is highly likely you will one day sell the property you buy. Make sure the property is attractive to other buyers before you make the purchase.
by tainted-meat
Sat Oct 11, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: First meeting with real estate agent
Replies: 14
Views: 1325

Re: Buffett Says ‘No-Brainer’ to Get a Mortgage to Short Rat

I don't see a problem with Buffet's advice assuming one doesn't get more house than one can afford.
by tainted-meat
Sat Oct 11, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Buffett Says ‘No-Brainer’ to Get a Mortgage to Short Rates
Replies: 77
Views: 9075

Re: Is a fall in portfolio value "only on paper"?

Personally, I look at it as the liquidation value. Unless you need the money now, drops in portfolio value really don't matter.
by tainted-meat
Fri Oct 10, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Is a fall in portfolio value "only on paper"?
Replies: 86
Views: 3716

Re: How can I stop feeling depressed about my finances?

Sales always needs educated people, but tends to have a bad career reputation for some reason.

Consider it as a career you want to make a respectable (sometimes lucrative) living.
by tainted-meat
Mon Oct 06, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 14075

Re: Should I buy a condo on the GROUND FLOOR?

If I buy this condo, my plan is to live there for a couple of years and then rent it out while I move up to a bigger place. Perhaps I should ask instead, "should I buy a condo I am planning to convert to a rental property?". No - been there done that! Had I an opportunity to do it over ag...
by tainted-meat
Mon Oct 06, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 5091

Re: Invest in Bowflex Max Trainer?

1K pales in comparison to future healthcare costs, assuming you use it.
by tainted-meat
Fri Oct 03, 2014 11:10 pm
 
Forum: Personal Consumer Issues
Topic: Invest in Bowflex Max Trainer?
Replies: 25
Views: 1808

Re: Should I pay off my sisters student loans?

I would pay it off if she is a responsible person of good character.
by tainted-meat
Tue Sep 30, 2014 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 3592

Re: Obese airline passenger

I'm not a big guy by any stretch of the imagination and even I feel cramped on flights. Being a commercial passenger stinks anymore.
by tainted-meat
Sun Sep 28, 2014 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 4875

Re: Why do so many think their home is a foolproof investmen

I think it was demographics as well (baby boomers).
by tainted-meat
Sat Sep 13, 2014 9:55 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6561

Re: When to jump ship?

If you have enough and have had enough, then it's time to do what you want.
by tainted-meat
Mon Sep 08, 2014 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to jump ship?
Replies: 42
Views: 4935

Re: Technologist to IT Sales Transition

I work in sales but in a different industry. I would definitely go for it. Make sure you meet your goals. Don't let small customers take up much of your time; spend it strategizing and creating solutions for the big accounts and bringing them on board.
by tainted-meat
Fri Sep 05, 2014 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Technologist to IT Sales Transition
Replies: 14
Views: 861

Re: What Movie Have You Recently Watched?

Throw Momma from the Train

An oldie but a goodie
by tainted-meat
Wed Sep 03, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 131
Views: 6840

Re: Offered Promotion, but longer commute

I wouldn't do 'what if' scenarios about what other people think or the like. Do what works for you and don't look back.
by tainted-meat
Wed Sep 03, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Offered Promotion, but longer commute
Replies: 37
Views: 3069

Re: Is now a good time to buy bonds?

I would not recommend bonds if you have debt at a higher interest rate than bonds are paying.
by tainted-meat
Wed Sep 03, 2014 8:35 am
 
Forum: Investing - Theory, News & General
Topic: Is now a good time to buy bonds?
Replies: 18
Views: 2039

Re: Another Milestone

Most definitely. I have a portable pension and I use it. The value of the future income stream is still worth the NPV, even if you can't liquidate.
by tainted-meat
Thu Aug 28, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another Milestone
Replies: 9
Views: 1366

Re: Savers vs. Spenders: Default Mode

I think it's hard for most people to save because most people just don't make that much money.

In my opinion, saving is more of a privilege than a norm.
by tainted-meat
Tue Aug 26, 2014 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers vs. Spenders: Default Mode
Replies: 34
Views: 2306

Re: Help with 401(a) choices for a new investor

The TIAA-CREF mid-cap index fund looks very appealing.
by tainted-meat
Tue Aug 26, 2014 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401(a) choices for a new investor
Replies: 18
Views: 958

Re: Strategic Default

As others have mentioned, check to see if it is a non-recourse state.

The implications of defaulting on one's career can be enormous, but some employers may understand.

Good luck to your brother, that is a tough situation to be in and one many people found themselves in.
by tainted-meat
Fri Aug 15, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3291

Re: A few days in San Francisco - what to do?

Not sure what you like to do...

When I was there, I got a map and walked the city.
by tainted-meat
Wed Aug 06, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: A few days in San Francisco - what to do?
Replies: 9
Views: 738

Re: Stop Passing Up This Great Deal - In Money Magazine

For people not covered by a Traditional Defined Benefit Pension Plan it will be difficult to justify using the Roth 401k over the Traditional 401k in most cases where a person is filing as single or a dual-income married filing jointly situation. Any blip in employment creates opportunities for conv...
by tainted-meat
Sun Aug 03, 2014 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: Stop Passing Up This Great Deal - In Money Magazine
Replies: 80
Views: 11516

Re: How old are you?

28 yrs
by tainted-meat
Wed Jul 30, 2014 10:05 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 82
Views: 8209

Re: Sshwab vs. Vanguard for index funds

Schwab ETFs are good. Vanguard is good.

Can't really go wrong either way.

Good luck.
by tainted-meat
Sat Jul 26, 2014 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sshwab vs. Vanguard for index funds
Replies: 15
Views: 1739

Re: FRS (Fl Ret Srv) Pension Option - Worth it?

I'd stay with the pension. $65,000 won't buy a retirement so I'd take the risk (and I think it's a small one) to stay in the FL retirement system.
by tainted-meat
Fri Jul 25, 2014 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: FRS (Fl Ret Srv) Pension Option - Worth it?
Replies: 10
Views: 762

Re: Will baby boomers retiring spell doom for the markets

International investors will quickly shore up any inefficiencies in the market caused by a mass sale of assets by baby boomers. We already see this in CA and NY and even Chicago real-estate markets where desirable properties are being snapped up by cash buyers from overseas. People (foreign or domes...
by tainted-meat
Tue Jul 22, 2014 9:06 am
 
Forum: Investing - Theory, News & General
Topic: Will baby boomers retiring spell doom for the markets
Replies: 45
Views: 5555

Re: New car - put extra $ towards current loan or save?

The Ford F-150 trucks look sharp; I'd sell the car and get one of those. I'd get one with the two doors in the back for easy hauling of the pets :D
by tainted-meat
Mon Jul 21, 2014 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: New car - put extra $ towards current loan or save?
Replies: 9
Views: 646

Re: Why does anyone use American Express?

The Fidelity AMEX has great rewards, although I believe it is managed by Bank of America.
by tainted-meat
Wed Jul 16, 2014 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why does anyone use American Express?
Replies: 146
Views: 30959

Re: Who else hates choosing a car?

The GMC Terrain or Ford Edge SUVs are nice.
by tainted-meat
Mon Jul 14, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 95
Views: 8493

Re: Thoughts on 100% stock allocation for 33 year old

I believe there is a hidden opportunity cost to owning bonds over stocks in the long-term.
by tainted-meat
Sun Jul 13, 2014 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6707

Re: 401k 100% contribution rate ???

FICA and Medicare taxes are deducted before the election amount.

For example purposes only:

Monthly Salary: $1000
FICA/Medicare: $100
401k Contribution @ 100% assuming no other deductions: $900
by tainted-meat
Tue Jul 08, 2014 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k 100% contribution rate ???
Replies: 2
Views: 370

Re: Do I have too much in my 401k / Roth ? 33 single Male

Over 85% of my net worth is tied up in 401k/IRAs, so I don't see at as any problem.

I'm 28.
by tainted-meat
Sat Jul 05, 2014 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I have too much in my 401k / Roth ? 33 single Male
Replies: 7
Views: 1207

Re: Just retired...any reason to move 401K to IRA?

I believe some states have better protection for 401ks against lawsuits that are not afforded to IRAs.
by tainted-meat
Fri Jul 04, 2014 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: Just retired...any reason to move 401K to IRA?
Replies: 50
Views: 5280

Re: Am I on the right track at age 34?

Yes, you're doing great. Way better than most especially with that match.
by tainted-meat
Fri Jul 04, 2014 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track at age 34?
Replies: 19
Views: 2378

Re: Adult child @ home

Legal eviction would probably end your marriage, as long as you're ok with that :shock:
by tainted-meat
Fri Jul 04, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: Adult child @ home
Replies: 23
Views: 2185
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