Search found 466 matches

by Meaty
Wed Aug 16, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 92
Views: 5036

Re: Anyone planning on never retiring?

Um no. I'm going to retire as soon as possible. To each there own
by Meaty
Mon Aug 07, 2017 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: How do you deal with financial anxiety?
Replies: 40
Views: 2864

Re: How do you deal with financial anxiety?

Youngblood wrote:I don't believe everything my mind tells me.
+1. Have a plan. Have the discipline to execute the plan. Tell the little voice in your head you aren't interested in a conversation
by Meaty
Mon Jul 24, 2017 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Job loss insurance
Replies: 13
Views: 890

Re: Job loss insurance

Sorry, I wasn't clear. The max eligible salary is 250. So I'd get 125 (50%) if unemployed by 6 months Paying $100/month to get $125 for 6 months ? Heck, no! $250k. The benefit is a gross $62.5k over 6 months (half of the $250k for 6 months). 1.8%/yr ($1.2/$62.5 per year) of benefit of a rare event ...
by Meaty
Sun Jul 23, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Job loss insurance
Replies: 13
Views: 890

Re: Job loss insurance

Yes. And without knowing your salary how could someone possibly give you informed advice ? I'd be eligible for the max benefit (250k) You mean that by paying $100/month you would get an extra 250k over 6 months in the event of involuntary separation ? Congrats on the >1M/year compensation and I'd j...
by Meaty
Sun Jul 23, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Job loss insurance
Replies: 13
Views: 890

Re: Job loss insurance

Thesaints wrote:Yes. And without knowing your salary how could someone possibly give you informed advice ?


I'd be eligible for the max benefit (250k)
by Meaty
Sun Jul 23, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Job loss insurance
Replies: 13
Views: 890

Re: Job loss insurance

I looked at a quote and the premium was 100/month. It seems like it might be a cheap hedge ... It could be cheap, or it could be extremely expensive. It all depends on how much you make. The premium depends on both how much you make and which state you live in. Right. I entered my state, industry, ...
by Meaty
Sun Jul 23, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Job loss insurance
Replies: 13
Views: 890

Job loss insurance

What is the general consensus on job loss insurance? I'm only aware of one insurer but there are probably others. In brief, it'll pay (above unemployment benefits) 50% of your income for 24 weeks. I looked at a quote and the premium was 100/month. It seems like it might be a cheap hedge against the ...
by Meaty
Thu Jul 13, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7221

Re: Do you consider business travel to be a perk or a burden?

If it's a requirement of the job when you take it then it is built in to your pay. You can't knowingly accept a salaried job with X% travel and then complain about not being compensated for it. Excellent point. If viewed as a perk or burden doesn't really matter. If it is a requirement of a job tha...
by Meaty
Thu Jul 13, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7221

Re: Do you consider business travel to be a perk or a burden?

I'm finding myself in a position that requires a fair amount of business travel. Some of the travel is to international locations and some is to domestic locations. I'm wondering if I should continue accepting the business travel assignments. How do you perceive business travel in today's world? Is...
by Meaty
Wed Jul 12, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: Wisdom Teeth Removal: Any experience?
Replies: 17
Views: 943

Re: Wisdom Teeth Removal: Any experience?

What is it like to get your wisdom teeth removed? 1. Does the procedure hurt? 2. Did you just get local anaesthetic? 3. Were there side or after-effects? 4. How old were you at the time? 5. Any tips if you have this done? 6. What if they are not impacted? Thanks. It didn't hurt. I was put under. No...
by Meaty
Mon Jul 10, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7555

Re: Switch to federal job?

RoadHouseFan wrote:Take the government job. No stress, high pay, massive paid leave, etc. Government jobs are as good as it gets.


The question is - how does a mid career professional get one? I've applied to a number of posting I was well qualified for an never heard back
by Meaty
Sat Jul 01, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Debating a weekend in Chicago (south side)
Replies: 54
Views: 4263

Re: Debating a weekend in Chicago (south side)

Chicago is a literal war zone. Come on. This is outrageous hyperbole. NO city in America is a LITERAL war zone. And Chicago is far from being the worst city in America. There were 28 murders per every 100,000 people in Chicago in 2016. This was behind St Louis (#1 at 59.3), Baltimore, Detroit, New ...
by Meaty
Sat Jul 01, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Debating a weekend in Chicago (south side)
Replies: 54
Views: 4263

Re: Debating a weekend in Chicago (south side)

So I have been to Chicago several times staying more on the north side near Wrigley Field. Have been there for a ballgame. We had friends that used to live there and always stayed with them in their great location condo near lots of great restaurants and bars, in a great neighborhood, walking dista...
by Meaty
Thu Jun 29, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Require Access to School Records?
Replies: 113
Views: 6346

Re: Require Access to School Records?

Hey, all, Apparently, federal law prevents a college or university from releasing school grades and other information to parents unless the child signs a special authorization form. DD, who is reasonably responsible, is not at this time sure if she wants to sign the form allowing us, the parents, a...
by Meaty
Wed Jun 28, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 12341

Re: How did you handle the costs of your child's wedding?

The529guy wrote:Encourage her to become well-educated so she and her spouse won't expect you to pay for it? (My wife and I paid for our own wedding.)


+1. I paid for my own
by Meaty
Tue Jun 27, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can you share some of your financial goals?
Replies: 69
Views: 7781

Re: Can you share some of your financial goals?

Mine is simple - I want out of the rat race as soon as possible. Unfortunately it'll be at least 15 more years
by Meaty
Mon Jun 19, 2017 5:51 am
Forum: Investing - Help with Personal Investments
Topic: Options for Saving for a First-Home Down Payment
Replies: 25
Views: 1901

Re: Options for Saving for a First-Home Down Payment

It is a little bit different but some people use a Roth as their emergency fund if you would not be fully funding a Roth. m If you are in your early 20's I would be cautious about buying a home until you are more settled in your life and career. Several times I have seen job offers and promotions g...
by Meaty
Sat Jun 17, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Reasonable HVAC Quote?
Replies: 34
Views: 3258

Re: Reasonable HVAC Quote?

Can anyone tell me if this quote to replace my AC and furnace seems reasonable. They would rip out and dispose of the old AC and furnace, replace the plenum and air return, new pad for the ac and the electrical that goes with it, new thermostat, humidifier, and built in UV light. The furnace would ...
by Meaty
Tue Jun 13, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 12893

Re: Who takes financial chances and why is this forum so financially conservative?

It's probably fair to say the membership of this board is more conservative financially than the average person. That said, the average person has nearly $0 saved. I lean to the less conservative side of bogleheads - I max all tax advantaged space each year plus more, but I'm 100% stocks (age 33) an...
by Meaty
Sat May 27, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: "sport short" workout/jogging shorts
Replies: 5
Views: 760

Re: "sport short" workout/jogging shorts

Soffe also is good
by Meaty
Tue May 23, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Opening a taxable account
Replies: 2
Views: 380

Re: Opening a taxable account

tycho wrote:
Meaty wrote:I'm maxing all tax advantaged space (401k, Roth, HSA, etc) and now would like to open a taxable account. Is that what vanguard refers to as a "brokerage account"? I plan to buy total stock index fund.

Thanks


Yep! :beer


Easy enough. Thanks!
by Meaty
Tue May 23, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Opening a taxable account
Replies: 2
Views: 380

Opening a taxable account

I'm maxing all tax advantaged space (401k, Roth, HSA, etc) and now would like to open a taxable account. Is that what vanguard refers to as a "brokerage account"? I plan to buy total stock index fund.

Thanks
by Meaty
Sat May 20, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Moving on after Bankruptcy: Help with one last hurdle
Replies: 3
Views: 869

Re: Moving on after Bankruptcy: Help with one last hurdle

Hello Bogleheads, I'm hoping to receive advice from you about my recent bankruptcy. I appreciate any comments and suggestions. A little background first...My bankruptcy came after my the-husband, unbeknownst to me, spent all of our money, racked up huge credit card debt, and stopped paying the mort...
by Meaty
Sat Nov 19, 2016 10:40 am
Forum: Investing - Help with Personal Investments
Topic: 100% Total Stock Market portfolio
Replies: 31
Views: 4624

Re: 100% Total Stock Market portfolio

I've been 100% stock since 2005. If you can guarantee you'll hang on in a 2008 scenario, don't need the money for 25+ years, and have a sizable emergency fund I don't see a problem with 100% stock. Of course, the future could be different and I'm not able to guarantee you won't get crushed using 10...
by Meaty
Thu Nov 17, 2016 6:34 am
Forum: Investing - Help with Personal Investments
Topic: 100% Total Stock Market portfolio
Replies: 31
Views: 4624

Re: 100% Total Stock Market portfolio

I've been 100% stock since 2005. If you can guarantee you'll hang on in a 2008 scenario, don't need the money for 25+ years, and have a sizable emergency fund I don't see a problem with 100% stock. Of course, the future could be different and I'm not able to guarantee you won't get crushed using 100...
by Meaty
Mon Nov 07, 2016 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Should I enroll in a Health Savings Account?
Replies: 11
Views: 2416

Re: Should I enroll in a Health Savings Account?

If you can afford to live on 17k, then yes you should use it. A HSA is like a Roth IRA but better - you never pay taxes. Ever (unless you use it for non medical expenses but everyone will need to pay premiums, etc at some point)
by Meaty
Sat Nov 05, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 118
Views: 14712

Re: Which state to move for milder weather

SAN Diego
by Meaty
Tue Nov 01, 2016 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 15994

Re: Health Insurance rates went up

I work for the federal government and just checked my basic BCBS plan and the premiums are going up 4%, but still no deductible and the co-pays haven't changed. Way better than last year, but still not great considering we haven't gotten a cost of living increase that comes close to matching inflat...
by Meaty
Sat Sep 10, 2016 9:42 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 27609

Re: How much is your cell phone bill?

This thread motivated me to switch; just joined Ting
by Meaty
Wed Sep 07, 2016 5:47 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 27609

Re: How much is your cell phone bill?

Depressing. 74 grand ?? For 1%-3% of an average salary, you get to communicate with anyone in the world at any time and have the majority of human knowledge at your fingertips. Basically unlimited entertainment and knowledge. That's inspirational. I should clarify. The depressing part is the fact t...
by Meaty
Tue Sep 06, 2016 6:52 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 27609

Re: How much is your cell phone bill?

It is interesting if you look at the numbers as a yearly cost and what it will cost over lifetime of phone use (50 years) Monthly Cost (including taxes): $100 $1,200 yearly $60,000 lifetime 124/month $1,488 yearly $74,400 lifetime $30/mo $360 yearly $18,000 lifetime and so on. Me $7 a month for a o...
by Meaty
Tue Sep 06, 2016 5:34 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 27609

Re: How much is your cell phone bill?

aj76er wrote:Google Fi
~ $30/mo
Unlimited txt, calls
1GB data


What's your experience been?
by Meaty
Tue Sep 06, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 27609

Re: How much is your cell phone bill?

Verizon
2 lines
2 shared GB
124/month
by Meaty
Fri Sep 02, 2016 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Passive (or mostly) income ideas
Replies: 3
Views: 741

Re: Passive (or mostly) income ideas

I have a popular sports-based website that I own on the side, separate from my career. We generate revenue via ads. Revenue has been as high as $110K in a year, and as low as $40K. It's a complete hobby, and I'd be spending time on a similar site if I didn't own this. We don't count this money in o...
by Meaty
Fri Sep 02, 2016 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Passive (or mostly) income ideas
Replies: 3
Views: 741

Passive (or mostly) income ideas

Hi
What passive income streams do you have besides stocks/bonds? I work for mega Corp and have seen too many layoffs, older workers cut in their prime earning years, etc and would like to start diversifying my income without another W2 job

Thoughts appreciated!
by Meaty
Mon Aug 29, 2016 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with my underwater house, sink or swim?
Replies: 29
Views: 3878

Re: What to do with my underwater house, sink or swim?

Before anyone lamb bastes me on my decision I have to say my wife and I were very uneducated first time buyers back in 2004, so here goes. 2004 we bought a house no money down, 270k 30 year mortgage 6.3% interest only first 15 years. Now owned by Ocwen after GMAC went belly up. House price dropped ...
by Meaty
Sun Aug 28, 2016 7:06 am
Forum: Investing - Theory, News & General
Topic: Retirees Saying No To The Market
Replies: 57
Views: 8382

Re: Retirees Saying No To The Market

Do you know retirees who absolutely refuse to invest in the market? I was wondering how well they are doing financially and what are they doing to get by. Thanks. My grand parents threw everything into CDs a few years ago. Their basic living expenses are more than covered by their pensions and SS s...
by Meaty
Mon Aug 22, 2016 5:53 am
Forum: Investing - Theory, News & General
Topic: This is why a 100% stock allocation is a bad idea
Replies: 68
Views: 10288

Re: This is why a 100% stock allocation is a bad idea

As one astute observer commented earlier this week, the amount of investors asking why a 100% stock allocation isn't a good idea increases dramatically during extended bull markets. Bogleheads are quick to respond with all sorts of excellent academic and numbers-based answers, but perhaps it would ...
by Meaty
Sun Aug 21, 2016 2:56 pm
Forum: Investing - Theory, News & General
Topic: This is why a 100% stock allocation is a bad idea
Replies: 68
Views: 10288

Re: This is why a 100% stock allocation is a bad idea

As one astute observer commented earlier this week, the amount of investors asking why a 100% stock allocation isn't a good idea increases dramatically during extended bull markets. Bogleheads are quick to respond with all sorts of excellent academic and numbers-based answers, but perhaps it would ...
by Meaty
Sat Aug 20, 2016 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Am I devastatingly far behind on retirement savings and how can I catch up?!
Replies: 40
Views: 7070

Re: Am I devastatingly far behind on retirement savings and how can I catch up?!

Pay off credit card. Pay cash from now on, Distinguish what you really need and "want",when it comes to spending money. Develop a budget Stick to it . Spend less than you make EVERY month, SAVE,,,,,for without savings , You can't invest in the Total Stock Market. All of the above requires...
by Meaty
Fri Aug 12, 2016 12:09 pm
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 13016

Re: How much vacation time do you get at work?

23 days per year. 4 years with company
by Meaty
Wed Aug 10, 2016 9:13 am
Forum: Investing - Theory, News & General
Topic: Bogle & Buffett on International Investing
Replies: 107
Views: 12510

Re: Bogle & Buffett on International Investing

I don't (and won't) invest directly in international stocks and not because of Warren B or Jack B. I don't trust foreign companies accounting and financials. Nothing is perfect, but I trust our accounting/regulatory overseers more than the overseas ones. Anyway, if you invest in IBM, Microsoft, App...
by Meaty
Tue Aug 09, 2016 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Move for better schools and commute?
Replies: 17
Views: 1469

Re: Move for better schools and commute?

I would definitely move. I'm not seeing a downside from what you posted
by Meaty
Sat Aug 06, 2016 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Which Debt to Pay Off First?
Replies: 19
Views: 1447

Re: Which Debt to Pay Off First?

If pay off loan 2 for $10k instead of $40. That said, assuming the debt is with a financial institution be sure you are aware of the credit reporting and 1099c/taxable liability associated with the transaction and are willing to take that hit
by Meaty
Mon Aug 01, 2016 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: 401k fee question
Replies: 9
Views: 755

Re: 401k fee question

I'm currently mimicking the TSM I'm my 401k by allocating 70% of equities to s&p 500 index fund, 20% to a mid cap index fund, and 10% to a Russell small cap index fund. The fee for the s&p is .01% (lucky I know) and .05% for mid and small cap Just a note, I don't think 70% S&P, 20% mid ...
by Meaty
Mon Aug 01, 2016 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: 401k fee question
Replies: 9
Views: 755

Re: 401k fee question

Thanks to all who responded! It's true the dollar amount difference is negligible and max diversification will likely yield greater benefits
by Meaty
Mon Aug 01, 2016 10:56 am
Forum: Investing - Help with Personal Investments
Topic: 401k fee question
Replies: 9
Views: 755

401k fee question

I'm currently mimicking the TSM I'm my 401k by allocating 70% of equities to s&p 500 index fund, 20% to a mid cap index fund, and 10% to a Russell small cap index fund. The fee for the s&p is .01% (lucky I know) and .05% for mid and small cap My question is, is it worth 5 times more expense ...
by Meaty
Mon Jun 27, 2016 5:25 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for a child
Replies: 15
Views: 1728

Re: Roth IRA for a child

I have convinced my 12 year old son who is working for our family business this summer to invest the majority of his earnings in a Roth IRA. He won't have a lot of money starting out so it limits him on fund choices. Would the target retirement 2060 (VTTSX)be a good choice for him? It has a $1000 m...
by Meaty
Sat Jun 25, 2016 8:23 am
Forum: Personal Consumer Issues
Topic: Cross country move. Buy car and drive or ship things and fly?
Replies: 26
Views: 2140

Re: Cross country move. Buy car and drive or ship things and fly?

jjface wrote:You could rent a car. Car rental places let you pick up in one location and drop off in another.


+1
by Meaty
Sun May 22, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: Local TV channels - via streaming?
Replies: 29
Views: 2262

Re: Local TV channels - via streaming?

Digital antenna or on the roku there are several free local news channels (nbc/abc, etc)