Search found 443 matches

by Meaty
Sat Nov 19, 2016 10:40 am
Forum: Investing - Help with Personal Investments
Topic: 100% Total Stock Market portfolio
Replies: 31
Views: 3917

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: 3917

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: 2070

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: 104
Views: 9809

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: 11520

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: 179
Views: 13480

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: 179
Views: 13480

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: 179
Views: 13480

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: 179
Views: 13480

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: 179
Views: 13480

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: 621

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: 621

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: 3550

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: 7660

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: 8906

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: 8906

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: 6449

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: 10831

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: 10180

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: 1250

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: 1311

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: 656

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: 656

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: 656

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: 1440

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: 1763

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: 1992

Re: Local TV channels - via streaming?

Digital antenna or on the roku there are several free local news channels (nbc/abc, etc)
by Meaty
Sun May 15, 2016 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Are there other ways to increase returns?
Replies: 2
Views: 628

Re: Are there other ways to increase returns?

There are many things you can TRY to increase your return, however, ALL will increase your risk. Id advocate you focus on the longer term (rather than yoy return) and save as much as you can
by Meaty
Fri May 13, 2016 7:28 am
Forum: Personal Consumer Issues
Topic: Lawncare - Chigger control
Replies: 9
Views: 975

Re: Lawncare - Chigger control

livesoft wrote:Triazicide from Spectracide in the ready-to-spray plastic bottle. About $8. Kills most insects. Doesn't smell.


+1. I've used this with great success on chiggers
by Meaty
Wed May 11, 2016 5:58 pm
Forum: Personal Consumer Issues
Topic: Seeking employment from home?
Replies: 4
Views: 1392

Re: Seeking employment from home?

Does anybody have any suggestions on how one could find a job which is primarily done from the home? I am an accountant by training (CPA) but am open to other type of work. Operational risk consultant. It can be a bit boring, but usually can be done from home. There are also many company's hiring p...
by Meaty
Tue May 10, 2016 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: How often to rebalance?
Replies: 39
Views: 3866

Re: How often to rebalance?

What is a standard rebalance band, like 5%? Yes, maybe. This is explained in quite some detail in the wiki link I previously gave which has more links to more detail. Thanks, livesoft. Yes I saw the bands listed there. It seemed to me like 5 - 10% is typical. Is that generally what other people use...
by Meaty
Fri May 06, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Loan - Different Use of Finds from Approval Conditions
Replies: 5
Views: 692

Re: Personal Loan - Different Use of Finds from Approval Conditions

It would technically be application fraud if you knowingly falsified the reason you need the funds. Your situation is a bit more grey, and they very likely won't ask for receipts, but since you now know the stated reason for the loan has changed you should notify the lender. If they jack up the rate...
by Meaty
Mon May 02, 2016 7:32 pm
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 46
Views: 5215

Re: Just called Directv and saved $600 for one year

Congrats! I would never pay over 10 dollars a month for tv though, personally. I recently dropped directtv in favor of roku. Best decision I've made relating to TV. I was paying $110/month. I now pay $10 with no reduction in what I want to watch Can you dvr shows, or watch them a couple of months l...
by Meaty
Mon May 02, 2016 7:30 pm
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 46
Views: 5215

Re: Just called Directv and saved $600 for one year

Congrats! I would never pay over 10 dollars a month for tv though, personally. I recently dropped directtv in favor of roku. Best decision I've made relating to TV. I was paying $110/month. I now pay $10 with no reduction in what I want to watch What are you paying for your internet access? My cabl...
by Meaty
Mon May 02, 2016 6:01 pm
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 46
Views: 5215

Re: Just called Directv and saved $600 for one year

reriodan wrote:Congrats! I would never pay over 10 dollars a month for tv though, personally.


I recently dropped directtv in favor of roku. Best decision I've made relating to TV. I was paying $110/month. I now pay $10 with no reduction in what I want to watch
by Meaty
Sat Apr 30, 2016 9:06 am
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 8423

Re: So, are Bogleheads Bourbon or Scotch drinkers?

Neither. Whiskey all the way
by Meaty
Tue Apr 26, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Have any of you overextended on housing? What were your experiences?
Replies: 42
Views: 4342

Re: Have any of you overextended on housing? What were your experiences?

I'm looking for a house right now, but I'm finding myself subjectively drawn to push for a nicer home out of my comfortable price range. One of my motivations is that I find my savings ever competing with the rising cost of housing. I live in the DC metro area. Mathematically, it seems like one sho...
by Meaty
Mon Apr 25, 2016 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: late 30s, what career or new degree
Replies: 24
Views: 3524

Re: late 30s, what career or new degree

... I've come to realize sales/business is not what I want to do. I can do it, but I don't have any passion for it. I want to start again and do something I can enjoy for the rest of my life.... Great if you can do this without disadvantaging your family. But with a family including two small kids ...
by Meaty
Fri Apr 22, 2016 4:12 pm
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 11517

Re: Any stay at home parents regret the decision?

After the conference call I was just on, being a stay at home parent sounds pretty good. Of course I still need money.....
by Meaty
Thu Apr 21, 2016 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about decreasing work hours...
Replies: 7
Views: 1181

Re: Thinking about decreasing work hours...

Here's my situation: Relatively high earning professional whose job is very stressful and requires a lot of hours. 40 years old. Married. Wife is a teacher. Debt free. 1.5 million in retirement savings. My "number" is 4 million. I have the opportunity to job share with someone and essenti...
by Meaty
Wed Apr 20, 2016 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot Pay Huge Tax Burden
Replies: 107
Views: 10235

Re: Cannot Pay Huge Tax Burden

If you owe 200K, you don't have a problem. The bank has a problem. Student loan debts are typically nondischargeable - so they do have a problem I understand. But if the borrower can't pay, it's the bank's problem. Also, I am sure there is a way to work this system. For example, http://blog.readyfo...
by Meaty
Wed Apr 20, 2016 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot Pay Huge Tax Burden
Replies: 107
Views: 10235

Re: Cannot Pay Huge Tax Burden

My wife was in a similar situation as the OP's SO, but graduated with about 1/2 of the debt. She paid it off in five years, by sacrificing and living in a reasonable COL area. In our area (media family income of $65K/year), a first year associate at a small law firm or governmental position would e...
by Meaty
Wed Apr 20, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot Pay Huge Tax Burden
Replies: 107
Views: 10235

Re: Cannot Pay Huge Tax Burden

If you owe 200K, you don't have a problem. The bank has a problem. Student loan debts are typically nondischargeable - so they do have a problem I understand. But if the borrower can't pay, it's the bank's problem. Also, I am sure there is a way to work this system. For example, http://blog.readyfo...
by Meaty
Wed Apr 20, 2016 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Cannot Pay Huge Tax Burden
Replies: 107
Views: 10235

Re: Cannot Pay Huge Tax Burden

expat wrote:If you owe 200K, you don't have a problem. The bank has a problem.


Student loan debts are typically nondischargeable - so they do have a problem
by Meaty
Wed Apr 20, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Cannot Pay Huge Tax Burden
Replies: 107
Views: 10235

Re: Cannot Pay Huge Tax Burden

Hello! So here's a quandary that I don't know how to solve. My significant other took out about 200k in loans to go to law school. We're not going to discuss whether this was smart, what my SO could have done differently, etc. The fact is that the 200k exists. (He did all this before I even met him...
by Meaty
Tue Apr 19, 2016 5:52 am
Forum: Personal Consumer Issues
Topic: How To Stay Motivated in Employment When You Might Have Enough?
Replies: 71
Views: 9459

Re: How To Stay Motivated in Employment When You Might Have Enough?

It is a simple question really: If you have---or you think that you have---enough (whatever that amount may be), how do you stay motivated to keep working? Or should you even keep working? Perhaps it would be better for society if the person who has "enough" walks away from their job, the...
by Meaty
Mon Apr 18, 2016 6:35 am
Forum: Investing - Theory, News & General
Topic: What are Pros and Cons to the "Four Hour Workweek?"
Replies: 99
Views: 12415

Re: What are Pros and Cons to the "Four Hour Workweek?"

My father was a CPA with his own practice in as small town so I knew many businessmen growing up. Some made a great deal of money and some barely survived. Between my father's business and the Army Reserve, he came home to eat and sleep. His successful clients were working more than 60 hours a week...
by Meaty
Mon Apr 18, 2016 5:44 am
Forum: Investing - Theory, News & General
Topic: What are Pros and Cons to the "Four Hour Workweek?"
Replies: 99
Views: 12415

Re: What are Pros and Cons to the "Four Hour Workweek?"

My father was a CPA with his own practice in as small town so I knew many businessmen growing up. Some made a great deal of money and some barely survived. Between my father's business and the Army Reserve, he came home to eat and sleep. His successful clients were working more than 60 hours a week...
by Meaty
Sat Apr 16, 2016 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Magic Number? How much to save for retirement
Replies: 45
Views: 7287

Re: Magic Number? How much to save for retirement

How do you determine how much money will be needed for a retirement that is 20 years away? I'm talking ballpark figure. When I do detailed scenario planning, the number is anywhere between $1.0 and $7.75 million depending on my assumptions. This large range is not very helpful for planning purposes...
by Meaty
Sat Apr 16, 2016 9:41 am
Forum: Investing - Theory, News & General
Topic: If wall street is rigged and corrupt , why invest in it?
Replies: 64
Views: 5657

Re: If wall street is rigged and corrupt , why invest in it?

I researched the crash of 2008, and more about wall street and corruption. It appears that the crash in 2008 was all caused by corruption and dishonest large banks like Goldman Sachs and Citibank as well as the deceitful lenders Countrywide and First Century. If deceit and corruption caused the cra...

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