Search found 482 matches

by tainted-meat
Wed Sep 02, 2015 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Co-Workers Think I'm Doomed Based on Portfolio Perf.
Replies: 47
Views: 4972

Re: Co-Workers Think I'm Doomed Based on Portfolio Perf.

With a rock solid pension and social security, you are actually doing very well. Also, your portfolio may double in 10 years giving you even more. The same folks that crow about making a lot in the stock market are quiet when they lose a lot. Stick to your game and don't listen to the noise.
by tainted-meat
Tue Sep 01, 2015 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: is it worth buying ESPP?
Replies: 30
Views: 1761

Re: is it worth buying ESPP?

I would participate if that was offered to me.
by tainted-meat
Wed Aug 26, 2015 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: reasonable budget for infant in Northeast
Replies: 7
Views: 1051

Re: reasonable budget for infant in Northeast

I'm in Louisville (medium cost of living) and daycare by far is the largest expense because you want to make sure your kid is in a good one. I don't have a budget but it is probably around $1,200 all-in (we don't use formula). Someone on here once wrote that it is about a maxed 401k contribution aft...
by tainted-meat
Tue Aug 25, 2015 7:56 am
Forum: Investing - Theory, News & General
Topic: This expert has declared the future of the markets
Replies: 3
Views: 358

Re: This expert has declared the future of the markets

Sounds like he's the new Anchroman, 50% right 100% of the time!
by tainted-meat
Mon Aug 24, 2015 8:03 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383600

Re: U.S. stocks in freefall

Stick to the plan and keep investing. It will pay off in the long-run. Long-term risks are lower when stock prices are lower even though it doesn't feel that way. :mrgreen:
by tainted-meat
Fri Aug 21, 2015 2:45 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10150

Re: anyone treating this as an RBD (really bad day)

did my first TLH today thanks to livesoft and upped my emerging allocation some more in the process by splitting a total international fund into 70% developed and 30% emerging. Feelin good
by tainted-meat
Fri Aug 21, 2015 8:48 am
Forum: Investing - Help with Personal Investments
Topic: TLH partner for FSGDX ---> IXUS?
Replies: 4
Views: 157

Re: TLH partner for FSGDX ---> IXUS?

Makes sense. Thanks for your detailed reply, it's much appreciated!
by tainted-meat
Fri Aug 21, 2015 8:41 am
Forum: Investing - Help with Personal Investments
Topic: TLH partner for FSGDX ---> IXUS?
Replies: 4
Views: 157

Re: TLH partner for FSGDX ---> IXUS?

Hi livesoft, thanks for the reply. I've enjoyed reading your posts about TLH.

Would you choose FSIVX over IXUS because of wash sale rules or because you do not care much for emerging markets?
by tainted-meat
Fri Aug 21, 2015 8:26 am
Forum: Investing - Help with Personal Investments
Topic: TLH partner for FSGDX ---> IXUS?
Replies: 4
Views: 157

TLH partner for FSGDX ---> IXUS?

I currently hold FSGDX in taxable. Is IXUS a good partner that would avoid the wash sale rules?
by tainted-meat
Thu Aug 20, 2015 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Passed up for a promotion, now what?
Replies: 34
Views: 4466

Re: Passed up for a promotion, now what?

See if he wants to grab a brew and talk about what is going on in the organization.
by tainted-meat
Thu Aug 20, 2015 7:54 pm
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 173
Views: 25273

Re: VWO seems cheap right now

What a great buying opportunity :moneybag
by tainted-meat
Wed Aug 19, 2015 9:41 pm
Forum: Investing - Theory, News & General
Topic: Piling into emerging markets
Replies: 67
Views: 7827

Re: Piling into emerging markets

Hang Seng is down big again today. I wish I could get more but I am already all-in. Might have to sell some more domestic. :beer
by tainted-meat
Wed Aug 19, 2015 9:17 pm
Forum: Investing - Theory, News & General
Topic: Piling into emerging markets
Replies: 67
Views: 7827

Re: Piling into emerging markets

I really like that allocation. Simple yet value-y. I'm curious if anyone who has a substantial overweight (say 25% to 33% of equities) in EM staying the course? I am at around 42% US/ 38% Developed / 20% EM. Luckily I also have a low equity allocation (50%) in a Larry-esque portfolio of small-value ...
by tainted-meat
Wed Aug 19, 2015 10:51 am
Forum: Investing - Theory, News & General
Topic: tsp watchdog?
Replies: 10
Views: 776

Re: tsp watchdog?

thegoodlife wrote:Looking at their website, it appears they didn’t start until 2011 at the earliest. How did their ‘members’ lose “much less in the 2008 crash”? Back testing --- the lifeblood of market timing scams.


No doubt, it's easy to find a strategy AFTER it happens, lol
by tainted-meat
Tue Aug 18, 2015 9:31 pm
Forum: Investing - Theory, News & General
Topic: Piling into emerging markets
Replies: 67
Views: 7827

Re: Piling into emerging markets

Piling as much as possible. Tilted towards it pretty heavily at this time.
by tainted-meat
Fri Aug 14, 2015 7:35 pm
Forum: Investing - Theory, News & General
Topic: International funds getting money flows
Replies: 20
Views: 1818

Re: International funds getting money flows

The strong dollar and reasonable valuations (especially emerging markets) is the reason I am buying international.
by tainted-meat
Wed Aug 12, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: Architectural Shingles VS Metal Roof
Replies: 30
Views: 2127

Re: Architectural Shingles VS Metal Roof

If your home is brick, don't use a metal roof because it looks weird in my opinion.

I like shingles myself for the looks and the noise dampening effect.
by tainted-meat
Wed Aug 12, 2015 10:07 am
Forum: Investing - Theory, News & General
Topic: S&P Negative on Year, Tracking index still up on the Year
Replies: 2
Views: 337

Re: S&P Negative on Year, Tracking index still up on the Year

just a guess, but it may not be showing today's results yet
by tainted-meat
Wed Aug 12, 2015 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Cash Flowing College by Overfunding Retirement
Replies: 6
Views: 526

Re: Cash Flowing College by Overfunding Retirement

If you can get enough in a taxable account you may be able to use dividends to supplement your cash flowing strategy.
by tainted-meat
Mon Aug 10, 2015 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy? Quitting my job.
Replies: 95
Views: 13748

Re: Am I crazy? Quitting my job.

Since you said you'd like to semi-retire in your 30's the best way to do that would either find another high paying job or make bank at your current job for the next few years. Take a long vacation and come back refreshed.
by tainted-meat
Tue Aug 04, 2015 3:58 pm
Forum: Personal Consumer Issues
Topic: Aloha Shirt: Yes or No
Replies: 78
Views: 6375

Re: Aloha Shirt: Yes or No

Go for it, have a few pairs myself. They're my go to lounge / casual shirts for the last 10 years or so.
by tainted-meat
Tue Aug 04, 2015 8:37 am
Forum: Investing - Theory, News & General
Topic: Ready to Give Up on Emerging Market Stocks?
Replies: 47
Views: 4890

Re: Ready to Give Up on Emerging Market Stocks?

Now would be a terrible time to give up on emerging stocks.
by tainted-meat
Tue Aug 04, 2015 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Should I be concerned with my Emerging Markets Fund?
Replies: 11
Views: 1093

Re: Should I be concerned with my Emerging Markets Fund?

If you are in it for the long haul and can withstand the market fluctuations then I think it is time to back up the truck on Emerging Markets or Total International. A strong dollar and lower valued assets makes it very attractive to me but I have 30 years until retirement and hopefully another 30 y...
by tainted-meat
Fri Jul 31, 2015 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Hit with $10k tax bill from 2013, given 3 weeks to pay
Replies: 50
Views: 6231

Re: Hit with $10k tax bill from 2013, given 3 weeks to pay

Something similar happened to me a couple years ago although the amounts were much smaller :D

I called the IRS agent listed and went over the forms. It took 15 minutes and I didn't owe anything. The agent was actually very helpful.
by tainted-meat
Fri Jul 31, 2015 8:14 am
Forum: Investing - Help with Personal Investments
Topic: HSA Asset Allocation
Replies: 8
Views: 620

Re: HSA Asset Allocation

I use 'B' and save the receipts in case I ever need to cash out.
by tainted-meat
Wed Jul 29, 2015 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Buying the house I am renting.
Replies: 10
Views: 789

Re: Buying the house I am renting.

Just make sure you do your due diligence. Read through this thread:

viewtopic.php?f=2&t=170450&newpost=2570626
by tainted-meat
Wed Jul 29, 2015 3:57 pm
Forum: Investing - Theory, News & General
Topic: Are equities really as risky as anyone thinks?
Replies: 271
Views: 14665

Re: Are equities really as risky as anyone thinks?

The OP has a good point.

If the economy goes to down the tubes and stocks prices are slashed, who will be able to pay the bonds?
by tainted-meat
Mon Jul 27, 2015 10:50 am
Forum: Personal Consumer Issues
Topic: Visiting Northern Kentucky / Mammoth Cave area with kids
Replies: 19
Views: 1061

Re: Visiting Northern Kentucky / Mammoth Cave area with kids

If you are going to be in Louisville on a Friday or Saturday and like old movies, go to the summer movie series at the Louisville Palace. It's my favorite building in Louisville. http://www.louisvillepalace.com/ The kids might like http://funtownmountain.com/ in Cave City by Mammoth Cave, but if the...
by tainted-meat
Thu Jul 16, 2015 2:12 pm
Forum: Personal Consumer Issues
Topic: Getting a new roof on home before home sale. Looking for advice.
Replies: 13
Views: 728

Re: Getting a new roof on home before home sale. Looking for advice.

He insisted that it made a big difference to the life of the shingle because airguns tend to shoot the nail too far into the shingle. Not to get off topic but he must have had the air pressure adjusted way off then. When I did roofing we always used nail guns and they never went too far into the sh...
by tainted-meat
Sun Jul 12, 2015 8:04 pm
Forum: Personal Consumer Issues
Topic: Selling a used car
Replies: 27
Views: 2264

Re: Selling a used car

I've sold all kinds of stuff on Craigslist and never had an issue. If you price it right it will go fast.
by tainted-meat
Sat Jul 11, 2015 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone use Rick Ferri's company Portfolio Solutions?
Replies: 9
Views: 2367

Re: Does anyone use Rick Ferri's company Portfolio Solutions?

Why are you rehashing every thread and posting the same thing?
by tainted-meat
Fri Jul 10, 2015 8:02 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 419
Views: 80280

Re: Rick Ferri looking to internationalize his portfolio

Rick knows his stuff. If he sees better values overseas then one might take notice.
by tainted-meat
Fri Jul 10, 2015 12:45 pm
Forum: Personal Consumer Issues
Topic: Good Low ER Fidelity Indexes
Replies: 16
Views: 734

Re: Good Low ER Fidelity Indexes

Although you are looking at Fidelity funds only right now, I think you should compare them to other funds. For instance, if you compare the performance of FSGDX to the Vanguard equivalent VTIAX, what do you see? Which fund would you rather own? Would it make more sense to use a mix of Fidelity Spar...
by tainted-meat
Wed Jul 08, 2015 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Time to move to international
Replies: 3
Views: 596

Re: Time to move to international

Looks like he is timing it pretty well. From what I gather he was waiting for something like the Greece situation to hit the fan and now it has. Time to back up the truck in International. :moneybag
by tainted-meat
Tue Jun 30, 2015 9:02 am
Forum: Investing - Theory, News & General
Topic: Am I in a Bad Position?
Replies: 26
Views: 3622

Re: Am I in a Bad Position?

The yields on U.S. bond funds are terrible and I don't own any (age 29). Basically, I have the same funds that you do only my international and domestic allocations are switched and I have quite a bit in emerging markets. Don't get nervous in the drops, just keep investing :moneybag
by tainted-meat
Sat Jun 27, 2015 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Move for a Federal Job - Finances?
Replies: 21
Views: 2591

Re: Move for a Federal Job - Finances?

I don't like Indy myself. I wouldn't move there unless I was going to make a lot more money, not less...
by tainted-meat
Fri Jun 26, 2015 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pay student loan off at 2.875%? - otherwise, 14 years to go
Replies: 52
Views: 5751

Re: Pay student loan off at 2.875%? - otherwise, 14 years to go

I would not pay that off unless you have to send a stamp and envelope every month.
by tainted-meat
Thu Jun 25, 2015 2:59 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 25596

Re: What was the 2008 crash like in real time?

I had just gotten my first job post college, not making much and didn't have any assets either. I remember there was a meeting with the HR Supervisor and he was talking about 401ks this and that. The stock market was going way down but he encouraged people to use their 401ks. He said something to th...
by tainted-meat
Tue Jun 23, 2015 7:24 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 146
Views: 24948

Re: When saving money becomes an irrational obsession

If the goal of getting a lot of cash is to simply retire, then I think you are worshiping a false prophet. Having a lot of cash or retiring won't solve all of your problems. Plus, you don't know when you're time is up! Save a little, spend a little, but most importantly.... live a lot. :beer
by tainted-meat
Mon Jun 22, 2015 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Moving to LCOL state
Replies: 19
Views: 2414

Re: Moving to LCOL state

If you are going to buy right away, get on zillow and load a map of all the recently sold homes.

Also, ask this question regarding the applicable metro area on city-data.com
by tainted-meat
Wed Jun 17, 2015 10:05 am
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 14784

Re: Gifting Money at Parties

There is a huge difference in expectations in my opinion. The land between the coasts is so much different than the coasts. I would argue that there is no "normal" in America due to all of the different cultures here. American culture varies from place to place and family to family. I thin...
by tainted-meat
Wed Jun 17, 2015 7:48 am
Forum: Personal Consumer Issues
Topic: Retirement areas, not Florida
Replies: 67
Views: 8302

Re: Retirement areas, not Florida

Take a look at my town, Louisville, KY. Our city park system was designed by Frederick Law Olmsted who also designed Central Park in New York. I believe state taxes are excluded from retirement income with no limit. Winters are not too bad, summers are not too bad. We have a large university here a...
by tainted-meat
Tue Jun 16, 2015 8:18 pm
Forum: Personal Consumer Issues
Topic: Retirement areas, not Florida
Replies: 67
Views: 8302

Re: Retirement areas, not Florida

Take a look at my town, Louisville, KY. Our city park system was designed by Frederick Law Olmsted who also designed Central Park in New York. I believe state taxes are excluded from retirement income with no limit. Winters are not too bad, summers are not too bad. We have a large university here an...
by tainted-meat
Mon Jun 15, 2015 2:03 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 14784

Re: Gifting Money at Parties

Groundhog wrote:
letsgobobby wrote:Here's another factor. First weddings receive a lot more than second. Kind of like having a baby shower for your third baby. Taaaaacky.


My wife was just invited to a baby sprinkle for a couple's second baby.


I don't see an issue for a 2nd baby. Maybe they are having one of the opposite sex?
by tainted-meat
Fri Jun 12, 2015 8:14 am
Forum: Personal Consumer Issues
Topic: Cable Cord cutting.. alternatives/ideas? Speed Choices?
Replies: 30
Views: 3011

Re: Cable Cord cutting.. alternatives/ideas? Speed Choices?

I've not had cable for 6 of the last 7 years. Get a decent internet plan (mine's $30/mo) and a tv antenna. I've found that you really don't miss tv that much anymore. Also, the local pbs station (ket) has some great stuff on it and the nba finals are on abc.
by tainted-meat
Fri Jun 12, 2015 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on 401k loan for home purchase?
Replies: 29
Views: 2521

Re: Thoughts on 401k loan for home purchase?

As long as you are aware of the risks a previous poster noted about having to pay the loan back in a short time period if you lose your job then I don't see a problem with it. You might also research bridge loans available from a bank that can be used in this sort of scenario as that would be a bett...
by tainted-meat
Thu Jun 11, 2015 6:46 pm
Forum: Personal Consumer Issues
Topic: What do you do to relax just after returning from work
Replies: 59
Views: 6695

Re: What do you do to relax just after returning from work

kill a brew or two and listen to some npr or watch nightly news on pbs

walk or run a few miles

play some tennis
by tainted-meat
Tue Jun 09, 2015 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Need guidance with housing decision
Replies: 4
Views: 450

Re: Need guidance with housing decision

Check the condo financials to make sure they look 'ok'.

Also, check some recent sales to make sure the price looks good.

If both look good, then I'd buy it.

As far as the interest rate goes, that seems high to me. Put it on a 15 yr schedule and you should be able to get it in the 3% range.

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