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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: 6399

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: 4816

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: 848

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: 105
Views: 4407

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: 2988

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: 1910

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: 1345

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: 2235

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: 901

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: 3246

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: 686

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: 11245

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: 7818

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: 1697

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: 748

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: 5471

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: 635

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: 26170

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: 8170

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: 6491

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: 356

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: 1196

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: 5136

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: 2360

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: 2175

Re: do you lie about your finances to friends

Instead of lying, why don't you tell them good practices to get above water.

I don't get why some folks are so weird about money???
by tainted-meat
Thu Jul 03, 2014 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 9481

Re: Starting Retirement Investment in a Bull Market

Put it in emerging markets. Those have been battered the last few years.
by tainted-meat
Wed Jul 02, 2014 11:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting Retirement Investment in a Bull Market
Replies: 21
Views: 2094

Re: Should I go back?

I wouldn't go back. That is a very generous pension plan and sounds like you have a very good thing going at the state job with work/life balance. There's a reason you left, remember it :beer
by tainted-meat
Tue Jul 01, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I go back?
Replies: 32
Views: 3182

Re: Soccer - injury time?

Not a huge soccer fan, but you just have to accept it for what it is if you want to get any enjoyment out of it.

Trying to "Americanize" it just ruins the fun IMO.
by tainted-meat
Mon Jun 23, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: Soccer - injury time?
Replies: 49
Views: 2946

Re: How much $$ to change jobs?

The FERS pension and retiree healthcare alone is worth 20% of your salary, so no, I wouldn't take the private sector job. Also, I've seen friends with risk management positions be completely eliminated in other companies (although none that I have worked for). This is not a political or negative sta...
by tainted-meat
Thu Jun 19, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: How much $$ to change jobs?
Replies: 52
Views: 4218

Re: Am I crazy to pay down a 3% mortgage early?

Many threads on this...

Paying extra on a 3% loan is a bad idea in my opinion. You lose liquidity in return for a very low interest rate. That interest rate is basically the rate of inflation. If long-term investments don't pay more than 3% per year we are in big big trouble as a nation!
by tainted-meat
Tue Jun 10, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay down a 3% mortgage early?
Replies: 41
Views: 4575

Re: Questions about restricted stock units

I also work for Megacorp, and receive RSUs that vest over time. I receive exactly the treatment you describe. The vesting event counts as earned income on the day it vests, and all taxes (including FICA and Medicare) are withheld in the form of stocks. The remaining are deposited as regular stocks,...
by tainted-meat
Mon Jun 09, 2014 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions about restricted stock units
Replies: 15
Views: 610

Re: Should I move from Fidelity to Vanguard?

This is splitting hairs.
by tainted-meat
Mon Jun 09, 2014 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I move from Fidelity to Vanguard?
Replies: 44
Views: 3665

Re: Need help with my Landlord

Dang you keep it cold. I keep it @ 78 in the summer.
by tainted-meat
Fri Jun 06, 2014 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help with my Landlord
Replies: 7
Views: 561

Re: Buying a home and cold feet!!

If you are going to be there for the forseeable future then I think you are fine. Just don't get into bidding wars.
by tainted-meat
Tue Jun 03, 2014 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a home and cold feet!!
Replies: 35
Views: 2272

Re: Pursuing your calling in life at what cost?

It would be hard to walk away from that much cash, but you gotta know man. If you're ready to move on then you're ready to move on. Whatever you do, don't look back :beer
by tainted-meat
Tue May 27, 2014 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pursuing your calling in life at what cost?
Replies: 58
Views: 4647

Re: Pre-nup at only $1M networth, do I need it?

I wouldn't marry anyone who wanted a pre-nup.

Either all in or all out is my philosophy with anything I do.
by tainted-meat
Mon May 26, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pre-nup at only $1M networth, do I need it?
Replies: 199
Views: 12799

Re: New Job - 401k not available now

HSA if eligible

Traditional IRA (which you have mentioned)
by tainted-meat
Fri May 23, 2014 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: New Job - 401k not available now
Replies: 4
Views: 348

Re: Help me find Fidelity Freedom Index Funds on fidelity.co

I think they are only available for 401k type plans, not IRA or taxable to the retail customer.
by tainted-meat
Wed May 21, 2014 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: Help me find Fidelity Freedom Index Funds on fidelity.com
Replies: 10
Views: 760

Re: Is now a bad time to invest?

Emerging markets have been lagging lately, might look into those. EEM and VWO (Emerging Markets ETFS) have a p/e of 11 right now while S&P 500 is around 17.
by tainted-meat
Tue May 20, 2014 10:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to invest?
Replies: 100
Views: 10032

Re: Mandatory 401k Plan Restatement For 1 Year Old Plan

I don't think it's fair to post private emails with the other party's name attached and then not include your own.
by tainted-meat
Mon May 19, 2014 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Mandatory 401k Plan Restatement For 1 Year Old Plan
Replies: 18
Views: 2072

Re: Mary Rowland opposes bond funds?!

I can't say I disagree with her. I'm not a fan of bonds either and don't own any, nor will I for a long time, if ever.
by tainted-meat
Sun May 18, 2014 12:50 am
 
Forum: Investing - Theory, News & General
Topic: Mary Rowland opposes bond funds?!
Replies: 5
Views: 645

Re: Do I plan for NO Social Security

I would plan on social security. If you want to be safe plan for 70% of current benefits.

The goal isn't to die with a mountain of cash in my opinion. There is such a thing as being too conservative.
by tainted-meat
Sat May 17, 2014 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Do I plan for NO Social Security
Replies: 42
Views: 2902

Re: UCLA vs USC Decision [Which college to attend]

I think UCLA is well-respected and I'd go that route for the price difference.

Once you get the 1st job its up to you where you take it.
by tainted-meat
Thu May 15, 2014 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: UCLA vs USC Decision [Which college to attend]
Replies: 62
Views: 3800

Re: 529 Decision Help [Indiana]

Any reason you can't split the difference?
by tainted-meat
Thu May 15, 2014 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 Decision Help [Indiana]
Replies: 16
Views: 522

Re: 529 Decision Help [Indiana]

If you feel comfortable with your retirement savings, then the 20% tax credit is very appealing and should be utilized.

With that said, don't sacrifice your retirement to fund a 529. Only do it if you can afford it.
by tainted-meat
Thu May 15, 2014 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 Decision Help [Indiana]
Replies: 16
Views: 522

Re: next up: HSA or 401k post-match?

HSA just like the Wiki says.

You can also use for non-medical expenses at age 65 without penalty. Income taxes would apply, just like a traditional 401k.

Using a 401k before the HSA (assuming you have already met the match) is like paying a front-end load to FICA/Medicare.
by tainted-meat
Thu May 15, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: next up: HSA or 401k post-match?
Replies: 17
Views: 1202

Re: Need sounding board for inheritance

Time to retire! That's a mountain of money assuming you can cover current expenses on one income (really don't even need to save, just let your current fortune compound for the time being) while covering expenses with current income. No way I would continue working with that amount of cash if I didn...
by tainted-meat
Wed May 14, 2014 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need sounding board for inheritance
Replies: 29
Views: 2810

Re: Can I be a boglehead and join a golf club?

You can do it especially at your level of income and assets. Golf takes a lot of time, just make sure you don't get bored too soon. I wouldn't think twice about it if I really wanted to do it if I were in your position.
by tainted-meat
Sun May 11, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I be a boglehead and join a golf club?
Replies: 70
Views: 4642
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