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Re: Seeking Boglehead advice on new home

Sounds like you have a really nice setup when you sit back and think about it. A nice, affordable place in a great location where you can walk to work - therefore only needing one car. Maybe the place is smallish, but back in the day 1200sf was a nice place. You can always update as you have time. W...
by tainted-meat
Wed Nov 26, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Seeking Boglehead advice on new home
Replies: 13
Views: 1230

Re: Being woken up by neighbors above me

That's no big deal in my opinion. I have the same situation but understand it's part of apartment/condo living. It's way better than living by a train, plane or barking dog.
by tainted-meat
Wed Nov 26, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 70
Views: 3878

Re: Girlfriend with a LOT of Student debt.

It's great to pursue a career she is passionate in, but with that kind of debt it's time to put the passions aside and just make some serious :moneybag :moneybag :moneybag Also, why the heck is she buying a $20k car with all that debt. This is very irresponsible unless she is making close to 6 figs ...
by tainted-meat
Mon Nov 24, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13254

Re: Fidelity Rewards Amex Activation Experience

I think I confused myself here. Too fast of typing and too little thinking on my part :twisted: The 2% is automatic if you deposit into a Fidelity brokerage account. You have to sign up for automatic payments... that's what I was thinking of :oops:
by tainted-meat
Sun Nov 23, 2014 12:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Amex Activation Experience
Replies: 20
Views: 1172

Re: Fidelity Rewards Amex Activation Experience

java wrote:
tainted-meat wrote:I've had mine for four years. It took me about 2 minutes to activate it online.


online wasn't an option in any of the documents enclosed with card.


:oops:

I read your post too quickly. I activated the rewards online, not the card itself... my bad. Anyways, that is a weird experience...
by tainted-meat
Sun Nov 23, 2014 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Amex Activation Experience
Replies: 20
Views: 1172

Re: Fidelity Rewards Amex Activation Experience

java wrote:
tainted-meat wrote:I've had mine for four years. It took me about 2 minutes to activate it online.


online wasn't an option in any of the documents enclosed with card.


:oops:

I read your post too quickly. I activated the rewards online, not the card itself... my bad. Anyways, that is a weird experience...
by tainted-meat
Sun Nov 23, 2014 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Amex Activation Experience
Replies: 20
Views: 1172

Re: Fidelity Rewards Amex Activation Experience

I've had mine for four years. It took me about 2 minutes to activate it online.
by tainted-meat
Sat Nov 22, 2014 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Amex Activation Experience
Replies: 20
Views: 1172

Re: 23 year old... Can I afford a Rolex?

Well it's cheaper than a fancy car. I don't think it would be a bad purchase as long as you understand that it is not an investment.
by tainted-meat
Sat Nov 22, 2014 5:15 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 11308

Re: HSA vs 401K

The HSA is a great investment, especially if you are under the FICA phaseout range.

Like the previous poster said, go for the match, then do the HSA to the max.
by tainted-meat
Fri Nov 21, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA vs 401K
Replies: 22
Views: 1902

Re: Questions About 401k and AGI and Traditional vs Roth IRA

This is a very good thread. Shimmy is in that "sweet spot" where you can do a 401k and a Traditional IRA and defer some serious taxes. 'Not Bob' has had some great threads on this that are very helpful.
by tainted-meat
Fri Nov 21, 2014 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions About 401k and AGI and Traditional vs Roth IRAs
Replies: 47
Views: 2827

Re: Cost to furnish a condo

If you are patient, you can find quality items on Craigslist. Look for hardwood chests, coffee tables, etc. You can get better used items on Craigslist and for a lower price than you can buy new junk (particle board). A sofa or mattress is something that should be bought new. I've recently seen whol...
by tainted-meat
Sun Nov 16, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Cost to furnish a condo
Replies: 29
Views: 2668

Re: Age 28, Short Term/Intermediate Term Financial Plan?

I do not believe in paying down a 4% mortgage when you could defer taxes by investing in the 457 instead.
by tainted-meat
Sat Nov 15, 2014 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Age 28, Short Term/Intermediate Term Financial Plan?
Replies: 11
Views: 1827

Re: Harry's razors

The Mach 3 is a great razor.
by tainted-meat
Sat Nov 15, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 5158

Re: Not qualified for my job - what to do?

I've been in the same company since I graduated college. I started a new position internally a few years ago and it took me 2.5 years until I stopped feeling constantly overwhelmed by all there was to learn to effectively do my job. If you hang in there long enough, I think you will be fine. Good lu...
by tainted-meat
Fri Nov 14, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 4748

Re: Why does FSGDX have such a low yield compared to VTIAX?

I am bumping to see if anyone knows the answer to this. I'm curious as well.
by tainted-meat
Mon Nov 10, 2014 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: Why does FSGDX have such a low yield compared to VTIAX?
Replies: 11
Views: 1823

Re: What to Suggest for Inheritance Mom Received

Back on topic... I think funding the Roth for this year is a good idea, also save some so she can max the Roth for next year. After that, take whatever isn't needed in the total international fund (assuming she is willing to take some risk). If she doesn't want to take risk, apply it to the mortgage...
by tainted-meat
Sat Nov 08, 2014 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to Suggest for Inheritance Mom Received
Replies: 28
Views: 2488

Re: 22, I want to be rich, looking for a high reward fund

Put your cash in emerging markets and let it ride. The valuations are very attractive.
by tainted-meat
Thu Nov 06, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6230

Re: letting profits run or sell...

I wouldn't sell since you don't need the money. I own some BAC myself.
by tainted-meat
Thu Nov 06, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: letting profits run or sell...
Replies: 34
Views: 2691

Re: Market return and elections

Correlation is different than causation.
by tainted-meat
Thu Nov 06, 2014 8:48 am
 
Forum: Investing - Theory, News & General
Topic: Market return and elections
Replies: 7
Views: 912

Re: Planning to Retire at 55

Man, I could live high on the hog with that pension alone. Nice!
by tainted-meat
Wed Nov 05, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Planning to Retire at 55
Replies: 22
Views: 3444

Re: Too much house?

You can easily afford it.
by tainted-meat
Tue Nov 04, 2014 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Too much house?
Replies: 10
Views: 2063

Re: Time to sell our Manhattan apartment?

I would keep it since you plan to move back. I've never lived in NYC but my impression has always been that it is an easy market to get priced out of.

Good luck and congrats!
by tainted-meat
Tue Nov 04, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Time to sell our Manhattan apartment?
Replies: 16
Views: 2414

Re: Tough spot, decided to lease a car

If I were you, I would cut all costs humanly possible and live like a monk.
by tainted-meat
Tue Nov 04, 2014 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 14021

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 7:57 am
 
Forum: Investing - Theory, News & General
Topic: If I am a LT investor, should I forgo a bond allocation?
Replies: 28
Views: 2214

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 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab expands no commission ETFs-no early sell fee
Replies: 42
Views: 3216

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 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: maximize investment priority - 401k, ira, hsa, lpfsa
Replies: 23
Views: 1678

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 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfoilio Help
Replies: 2
Views: 462

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 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Emerging Markets Stock Yield
Replies: 14
Views: 2366

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 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Closing a house on Thursday but...
Replies: 21
Views: 2186

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 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Should I Sue? [couch damaged in garage of rental]
Replies: 39
Views: 3297

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 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Making an offer today
Replies: 44
Views: 4831

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 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50K investment
Replies: 4
Views: 340

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 12:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: need moral support (kinda)
Replies: 33
Views: 2921

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 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Find a way to explain to me "WHY" should I break up w/ MDISX
Replies: 23
Views: 1155

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 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: What is common for a severance package?
Replies: 25
Views: 1881

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 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 10074

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 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 21430

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 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: First meeting with real estate agent
Replies: 14
Views: 1529

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 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Buffett Says ‘No-Brainer’ to Get a Mortgage to Short Rates
Replies: 77
Views: 9727

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 10:52 am
 
Forum: Investing - Theory, News & General
Topic: Is a fall in portfolio value "only on paper"?
Replies: 86
Views: 4058

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 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 14597

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 9:32 am
 
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 5524

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 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Invest in Bowflex Max Trainer?
Replies: 25
Views: 2581

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 9:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 3628

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 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 4952

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 8:55 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6611
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