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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: 2789

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: 2344

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: 1601

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: 3385

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: 1178

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: 5813

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: 129
Views: 9468

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: 678

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: 1625

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: 664

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: 2577

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: 2244

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: 3348

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: 4855

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: 3302

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: 969

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: 2583

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: 3666

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: 5256

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: 2362

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: 2362

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: 3455

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: 7862

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: 2374

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: 7032

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: 9211

Re: What do you do with Fidelity Rewards?

My Fidelity taxable account in Total International
by tainted-meat
Fri Dec 05, 2014 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with Fidelity Rewards?
Replies: 34
Views: 1841

Re: Dave Ramsey Only Invests in Mutual Funds that Beat the S

He advocated for the lady to roll over her pension to an ELP, without asking what the pension would be. Then he started talking about 11-12% growth mutual funds that could be bought through his ELPs. His investing advice sucks.
by tainted-meat
Fri Dec 05, 2014 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Only Invests in Mutual Funds that Beat the S&P
Replies: 23
Views: 3389

Re: Teeth whitening

I just mix 3% peroxide with water (1:1) and swish for 30 seconds or so 1x/day
by tainted-meat
Thu Dec 04, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 12
Views: 2259

Re: IRS looking for money, my CPA just died….

You might try to call the IRS Agent assigned to your account directly and double check wit him/her. I had a different issues but when I called the agent listed on the IRS letter, he was surprisingly helpful and I got it cleared up in about 15 minutes.
by tainted-meat
Wed Dec 03, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: IRS looking for money, my CPA just died….
Replies: 8
Views: 2089

Re: Helping adult child understand investing

Have her read the Boglehead's Guide to Investing or the Boglehead's Guide to Retirement Planning. Both books have a ton of information for such easy reads.
by tainted-meat
Mon Dec 01, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Helping adult child understand investing
Replies: 38
Views: 3344

Re: Reached a minor financial milestone this month

supersharpie wrote:I know it isn't a great deal of money but my wife and I passed the 250k mark in combined retirement assets this month.


You will only hear that $250k is not a great deal of money on this board :-)

Congrats, that is a big milestone to reach, especially at your age.
by tainted-meat
Sun Nov 30, 2014 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Reached a minor financial milestone this month
Replies: 28
Views: 3779

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: 28
Views: 3467

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: 79
Views: 6395

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: 13772

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: 1962

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: 1962

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: 1962

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: 1962

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: 16546

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: 2223

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: 3462

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: 5909

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: 1881

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: 6337

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: 5447

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: 17
Views: 3202

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: 2591
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