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Re: Closing out my first 'snowbirding' winter

I think BahamaMan was saying it tongue in cheek so that it doesn't get overcrowded :happy
by tainted-meat
Sun Mar 29, 2015 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 23
Views: 2065

Re: Can I afford a $500,000 house?

You can afford it, but I wouldn't buy it. Everyone values different things though :happy
by tainted-meat
Fri Mar 27, 2015 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $500,000 house?
Replies: 38
Views: 3542

Re: Son graduating college-what to do?

I think it's really nice and thoughtful of you to help while he gets his feet off the ground.
by tainted-meat
Fri Mar 27, 2015 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Son graduating college-what to do?
Replies: 39
Views: 3146

Re: TIRA income limit because of pension plan

Convert the contribution and use the Backdoor Roth method for new contributions

http://www.bogleheads.org/wiki/Backdoor_Roth_IRA
by tainted-meat
Tue Mar 24, 2015 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: TIRA income limit because of pension plan
Replies: 6
Views: 253

Re: Anyone concerned about their bond holdings?

I don't own any bonds so I'm not concerned :happy

I think they are way overpriced. I'd put that money in a Total International Fund if you have a long time horizon.
by tainted-meat
Sun Mar 22, 2015 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5650

Re: Dilemma re: taxable account

I'm not sure what your withdrawal rate is.

If your withdrawal rate is low then I think it would be fine to invest in stocks and rake in the dividends and sell only if more $$ is needed.
by tainted-meat
Sun Mar 22, 2015 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dilemma re: taxable account
Replies: 18
Views: 1661

Re: Hearse as daily driver?

A hearse would be awesome!
by tainted-meat
Fri Mar 20, 2015 7:35 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3690

Re: Lost job, should I contribute heavily to 401k?

Might miss a 401k match if you start a new job with immediate matching available.
by tainted-meat
Thu Mar 19, 2015 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lost job, should I contribute heavily to 401k?
Replies: 18
Views: 1428

Re: Negotiate daycare rate?

I didn't negotiate. When I saw the level of care and quality of people on the tour I felt like I was getting a great deal for peace of mind.
by tainted-meat
Tue Mar 17, 2015 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Negotiate daycare rate?
Replies: 24
Views: 2162

Re: What are some common misconceptions found in this forum?

Misconception:

Roth IRA should be maxed immediately after getting the 401k match.
by tainted-meat
Wed Mar 11, 2015 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 17206

Re: Home workouts and motivation

Walk one hour per day, four to five days per week (more if the weather is nice and you feel well). Too many people do workouts that are unsustainable long-term and they burn out. I always wondered if just brisk walking is enough exercise for most. I know it is much better than nothing, but do you r...
by tainted-meat
Mon Mar 09, 2015 11:27 am
 
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 2830

Re: Home workouts and motivation

Walk one hour per day, four to five days per week (more if the weather is nice and you feel well).

Too many people do workouts that are unsustainable long-term and they burn out.
by tainted-meat
Mon Mar 09, 2015 9:29 am
 
Forum: Personal Consumer Issues
Topic: Home workouts and motivation
Replies: 60
Views: 2830

Re: Does My Daughter Need A Prenup?

It sounds to me like your daughter is capable of making the decision on her own without pressure or prompting. I guess the bigger question is whether it really is HER decision or OUR (including wife and) decision. No it's not. It's zero of your concern in any way at all. I fell bad for the future s...
by tainted-meat
Fri Mar 06, 2015 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 5843

Re: Real estate frustration in finding a new home

If you have been looking for three years and still have not bought a place, then you are probably not as ready to buy as you think you are, which explains why realtors are not spending much time on you.
by tainted-meat
Thu Mar 05, 2015 10:40 am
 
Forum: Personal Consumer Issues
Topic: Real estate frustration in finding a new home
Replies: 33
Views: 2439

Re: Company Car & Personal Car?

I've had a company car for a few years. I sold my personal car.
by tainted-meat
Wed Mar 04, 2015 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Company Car & Personal Car?
Replies: 23
Views: 1138

Re: Can I afford it?

You can easily afford it. However, I think you are smart that you are not going to buy it.
by tainted-meat
Tue Mar 03, 2015 9:36 am
 
Forum: Personal Consumer Issues
Topic: Can I afford it?
Replies: 59
Views: 5638

Re: Lumber Liquidators Safety Issue

I saw a report on it last night. I can't speak to the safety one way or another. One thing I found interesting is that a group of investors who were shorting the stock were also funding a lawsuit against Lumber Liquidators.

Talk about market manipulation!
by tainted-meat
Mon Mar 02, 2015 5:11 pm
 
Forum: Personal Consumer Issues
Topic: Lumber Liquidators Safety Issue
Replies: 19
Views: 1939

Re: Job offer questions - appropriate?

I can't help with this situation.

For the future, you can ask "What are your expectations of me?" or "Tell me what a typical day entails for this position" and that will probably tell you what you need to know.
by tainted-meat
Mon Mar 02, 2015 11:10 am
 
Forum: Personal Consumer Issues
Topic: Job offer questions - appropriate?
Replies: 23
Views: 1202

Re: Hard skills to learn to push me over 50k per year?

If you are not making 50k/yr in sales then:

a. You are in the wrong type of sales
---or---
b. You are not selling
by tainted-meat
Sat Feb 28, 2015 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hard skills to learn to push me over 50k per year?
Replies: 9
Views: 993

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: 31
Views: 3263

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: 134
Views: 7998

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: 8873

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: 434

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: 4504

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: 63
Views: 4902

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: 2494

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: 3651

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: 9956

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: 3523

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: 3392

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: 1066

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: 2177

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: 85
Views: 39851

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: 853

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: 731

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: 836

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: 7818

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: 7818

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: 635

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: 2971

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: 2451

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: 1666

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: 3439

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: 1246

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: 12213

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: 12272

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: 692
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