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Re: Cheap ammo

I haven't been out shooting much in the past few years. I remember buying bricks of 500 .22lr for 8 dollars or so. I had no idea ammo had skyrocketed like that. Nuts.
by tainted-meat
Thu Feb 26, 2015 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 30
Views: 2987

Re: Guns for hunting/defense

For home defense: I'd get a revolver as it is easy to use for any novice and won't jam. A .38 caliber should be big enough. Please take a gun safety course if you are not versed in how to safely use guns. For Hunting: It depends on the state. Kentucky allows one to hunt with assault rifles and I bel...
by tainted-meat
Tue Feb 24, 2015 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 109
Views: 4827

Re: What age do you guys plan to retire?

55, then work part-time at doing a 'fun' job in a resort town or something of that ilk. Currently 28 so there is a lot that could change between now and then.
by tainted-meat
Sun Feb 22, 2015 7:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8439

Re: Career Advice

Sales would be a good thing to try. Maybe you can even stay at the same company.
by tainted-meat
Fri Feb 20, 2015 9:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice
Replies: 3
Views: 409

Re: Why do companies match 401K contributions?

I think one reason they match is so that more people will contribute and they can maintain a safe harbor plan. This allows the highly compensated employees (HCE) to contribute the full amount that the IRS allows to a 401k type plan.

https://www.sharebuilder401k.com/safe-harbor.aspx
by tainted-meat
Thu Feb 19, 2015 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why do companies match 401K contributions?
Replies: 50
Views: 4240

Re: CarsDirect didn't lead to dealers responding with prices

It's not poor customer service. They just don't care to waste their time on someone who is going to just beat them down on price and play dealers off each other.
by tainted-meat
Thu Feb 19, 2015 7:20 pm
 
Forum: Personal Consumer Issues
Topic: CarsDirect didn't lead to dealers responding with prices
Replies: 61
Views: 4332

Re: Where should an HSA fit into investment priority?

What powermega and Spirit Rider said.
by tainted-meat
Thu Feb 19, 2015 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where should an HSA fit into investment priority?
Replies: 39
Views: 2241

Re: 80% stock/20% bonds? Or 90% stock/10% bonds? (Age 28)

I'm 28 and don't own any bonds. You don't own any bonds in any one of your retirement portfolios or just non at all period? I believe the topic is on retirement, and I am not sure if everyone is keeping their answers to retirement or if we are getting mix and match between retirement and taxable in...
by tainted-meat
Wed Feb 18, 2015 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: 80% stock/20% bonds? Or 90% stock/10% bonds? (Age 28)
Replies: 90
Views: 3495

Re: Dave Ramsey Lashes Out at His Financial Critics

There is no doubt that Ramsey has done more good than harm to his listeners.

But, his investing advice still stinks :twisted:
by tainted-meat
Tue Feb 17, 2015 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 9591

Re: Am I saving properly for retirement?

I am not sure where you live (high cost vs low cost). If you are in a fairly low cost area, then you should be able to max your 401k, roth or traditional IRA and HSA if applicable. Anything above that would be gravy. I have never lived in a high cost area so I can't give you savings advice on that b...
by tainted-meat
Tue Feb 17, 2015 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I saving properly for retirement?
Replies: 54
Views: 3361

Re: Career changer and choosing best option?

You think it is normal for people in the corporate world to make a 100k per year and get their MBA paid for?

You are in la la land!
by tainted-meat
Mon Feb 16, 2015 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Career changer and choosing best option?
Replies: 41
Views: 3184

Re: Voya 401k down

I've had ING and now Voya for years. Every now and then they do some maintenance but I'm not day trading in my 401k so I haven't ever noticed if it has been down for a while.

Just checked and mine is working.
by tainted-meat
Sun Feb 15, 2015 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Voya 401k down
Replies: 16
Views: 1016

Re: Pick Out My New TV For Me

I have a smart TV. I would not pay extra for the 'smart' features, I do not think it is worth it. I actually connect my 'smart' tv to my laptop when I want to watch something.

Also, I would wait and get a 4K TV.
by tainted-meat
Sat Feb 14, 2015 11:38 am
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2097

Re: Costco/AmEx relationship ending. New Costco MasterCard?

Disappointing for sure. I liked using my FIA Amex at Costco.

It wouldn't surprise me if this is just posturing with a deal struck in a few months. Time will tell.
by tainted-meat
Thu Feb 12, 2015 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 46
Views: 9795

Re: What should my next savings goal be?

Your next savings goal should be to max out the 403b or HSAs if you have them. Use all tax-advantaged space available.
by tainted-meat
Wed Feb 11, 2015 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: What should my next savings goal be?
Replies: 5
Views: 843

Re: Retired & moving - Buy house now or rent and buy later?

I agree with the two posters above. Big differences can occur from one street to the next. Take your time and get what you really want.
by tainted-meat
Tue Feb 10, 2015 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retired & moving - Buy house now or rent and buy later?
Replies: 5
Views: 702

Re: shall I transfer roth IRA from fedility to Vanguard?

If I were at one, I would not hassle with switching to the other. Both are great companies.
by tainted-meat
Tue Feb 10, 2015 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: just starting my roth IRA: which funds to choose?
Replies: 12
Views: 782

Re: Unhappy With Job Raise

My general advice for someone your age, which you may not love, is to keep your head down and just work hard for your first 2.5 years. Always take on more responsibility when offered, make yourself indispensable, make sure your boss likes you personally, network with the people above your boss who ...
by tainted-meat
Fri Feb 06, 2015 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 7390

Re: Unhappy With Job Raise

As others have said, work on getting the promotion into the sales gig. Then, you can make your own raises by selling a lot and getting fat bonuses.
by tainted-meat
Fri Feb 06, 2015 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 7390

Re: What Are My Retirement Savings Options?

Max HSA (if available)
Max the 401k
See if maxing the 401k & HSA lowers your AGI enough to make a Traditional IRA contribution deductible
If not, do backdoor Roths for both
If you do a backdoor Roth, make sure you do not have Traditional IRA assets that would bring the pro-rata rule into place.
by tainted-meat
Thu Feb 05, 2015 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Are My Retirement Savings Options?
Replies: 5
Views: 627

Re: Would maxing a Roth and 401k each year be enough?

If you can't retire on that then everyone in America is in big trouble. Most retire on way less than that.
by tainted-meat
Fri Jan 23, 2015 8:59 pm
 
Forum: Investing - Theory, News & General
Topic: Would maxing a Roth and 401k each year be enough?
Replies: 17
Views: 2961

Re: Preparing for baby and one income

A newborn baby needs a stay at home mom for the first 5 years of their life. EVERYTHING else is secondary. Looking back on it, the worst mistake I made as a parent was hiring a nanny to watch my kids during their early formative years. I mean it with all sincerity. I disagree. Both of my parents wo...
by tainted-meat
Sun Jan 18, 2015 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Preparing for baby and one income
Replies: 41
Views: 2372

Re: Investing $3,000 In a Taxable Account

Between those choices, I would pick Total Stock Market. It's tax-efficent and diversified.
by tainted-meat
Fri Jan 16, 2015 7:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing $3,000 In a Taxable Account
Replies: 14
Views: 1635

Re: 3%, 10-year CD bought today

The yield on VTIAX is 3.4%
by tainted-meat
Thu Jan 15, 2015 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: 3%, 10-year CD bought today
Replies: 35
Views: 3415

Re: 27 Years Old - Thoughts

In my opinion, it's best to keep the portfolio simple and spend your time on tax strategies.
by tainted-meat
Thu Jan 15, 2015 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: 27 Years Old - Thoughts
Replies: 10
Views: 1206

Re: Amex Fidelity CC 2% Cash Back

BTW, I had an "opportunity" to "buy back" (for lack of better terms) a year of SS last May and restart at age 65, vs. 64. SS actually took the card and FIA Card Services (they are the administrator of the card) helped me make sure it wasn't bounced for amount. LOL, the "rew...
by tainted-meat
Thu Jan 15, 2015 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 10633

Re: What is the international portion of your portfolio and

Probably around 60%. It's been under-performing so I pump all new monies into it.
by tainted-meat
Mon Jan 12, 2015 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 11948

Re: company changed plans

JP Morgan > Transamerica

I wouldn't lose sleep over $30 a year.

Can you roll the amount to an IRA instead of the new company plan?
by tainted-meat
Mon Jan 12, 2015 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: company changed plans
Replies: 7
Views: 684

Re: What is your opinion of this strategy?

That's way too conservative for me but to each their own.
by tainted-meat
Mon Jan 12, 2015 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your opinion of this strategy?
Replies: 28
Views: 1643

Re: Am I on the right track?

If you plan to work until 69 then you are doing fine. Otherwise, you need to kick up your savings a notch. Shoot for 20% of your salary as a baseline.
by tainted-meat
Sun Jan 11, 2015 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 4
Views: 665

Re: Having a lot of kids really paid off.

It is always great to hear positive stories like this. Thanks for sharing. :happy
by tainted-meat
Thu Jan 08, 2015 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Having a lot of kids really paid off.
Replies: 17
Views: 2595

Re: SoCal City Recommendations Young Family

Check out Yorba Linda or Fullerton
by tainted-meat
Thu Jan 08, 2015 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: SoCal City Recommendations Young Family
Replies: 29
Views: 2280

Re: Should heat be left on?

That and make sure you leave the water faucets dripping when it gets really cold.
by tainted-meat
Thu Jan 08, 2015 10:58 am
 
Forum: Personal Consumer Issues
Topic: Should heat be left on?
Replies: 25
Views: 3373

Re: "Soft Retirement" possible?

Those pension numbers gave me bug eyes. :shock: No way could I leave that since you mentioned the workload isn't bad. The private sector is dog eat dog. :twisted:

The choice is yours but I'm telling you the grass isn't greener.
by tainted-meat
Wed Jan 07, 2015 10:56 pm
 
Forum: Personal Consumer Issues
Topic: "Soft Retirement" possible?
Replies: 29
Views: 4906

Re: Can we afford to buy a home?

I think you can afford it. Not sure if you are planning to have kids or not, but if you do your budget will be tight.
by tainted-meat
Tue Jan 06, 2015 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a home?
Replies: 41
Views: 3336

Re: Illinois Introduces Automatic Retirement Savings Program

I like their sentiment but it appears they are recreating the wheel. I think it would make more sense if it automatically opted them into the myRA so as not to duplicate efforts.
by tainted-meat
Mon Jan 05, 2015 11:01 pm
 
Forum: Investing - Theory, News & General
Topic: Illinois Introduces Automatic Retirement Savings Program
Replies: 7
Views: 975

Re: Where does someone in their mid-20s with $5000 start?

If you want aggressive put it in an emerging markets fund.
by tainted-meat
Sat Jan 03, 2015 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where does someone in their mid-20s with $5000 start?
Replies: 30
Views: 2633

Re: Should I even be in bonds?

I'm the same age as you and have no bonds. I am tilted much more towards international than you. It hasn't paid off so far but as you mentioned we have a long way to go so I will stay the course.

FWIW I am not adding bonds anytime soon.
by tainted-meat
Fri Jan 02, 2015 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I even be in bonds?
Replies: 40
Views: 3699

Re: Car Recommendations for about 25k

I'll go in a different direction and suggest a Ford F-150 with crew cab.
by tainted-meat
Thu Jan 01, 2015 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Car Recommendations for about 25k
Replies: 36
Views: 5281

Re: Success! Our new 401K Plan with Lower Fees .. Funds Help

Stick to the following funds in an IRA or Roth IRA:

Total Stock Market Index
Total International Index
Total Bond Index
by tainted-meat
Tue Dec 30, 2014 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Success! Our new 401K Plan with Lower Fees .. Funds Help plz
Replies: 29
Views: 2376

Re: Success! Our new 401K Plan with Lower Fees .. Funds Help

Your 401k still stinks, but you're only putting money in up to the match so that's OK. Use your cash hoard to fund IRAs (Traditional or Roth) for you and your wife for 2014 and 2015 at a low cost provider (Vanguard, Fidelity TD Ameritrade, Schwab, etc). That should kill 22K right there and have the ...
by tainted-meat
Tue Dec 30, 2014 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Success! Our new 401K Plan with Lower Fees .. Funds Help plz
Replies: 29
Views: 2376

Re: Went "all in" Nov 17-21 in VTTHX (2035) - worried...

jbrinker wrote:Ive even contemplated pulling 2/3 back out into cash and re-investing 1/3 in a month, and 1/3 a month or two later.

Thoughts?


That would be a bad move in my opinion.
by tainted-meat
Mon Dec 15, 2014 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Went "all in" Nov 17-21 in VTTHX (2035) - worried...
Replies: 26
Views: 3479

Re: What's wrong with VTIAX?

As others have mentioned, it's a great buying opportunity. The yield on this fund is currently 3.37%... pretty awesome if you ask me!
by tainted-meat
Tue Dec 09, 2014 10:53 pm
 
Forum: Investing - Theory, News & General
Topic: What's wrong with VTIAX?
Replies: 63
Views: 7940

Re: Thank you, Taylor...

The three-fund portfolio simplifies investing so that even the biggest novice can do it effectively. Thanks Taylor! :sharebeer
by tainted-meat
Sat Dec 06, 2014 9:00 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you, Taylor...
Replies: 15
Views: 2424

Re: Why So Many Used Prius for Sale?

Probably because people realize how goofy they look driving one :)
by tainted-meat
Sat Dec 06, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7098

Re: Am I being cheap?

5k for a ring is a great deal for the right girl
by tainted-meat
Sat Dec 06, 2014 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 9334
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