Search found 417 matches

by Meaty
Sun May 22, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: Local TV channels - via streaming?
Replies: 29
Views: 1693

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: 500

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: 859

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: 1307

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: 3496

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: 423

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: 4709

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: 4709

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: 4709

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: 7109

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: 3886

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: 3239

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: 10409

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: 1084

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: 9070

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: 9070

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: 9070

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: 9070

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: 9070

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: 8721

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: 11324

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: 11324

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: 6736

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: 5051

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...
by Meaty
Sat Apr 16, 2016 8:26 am
Forum: Investing - Theory, News & General
Topic: If wall street is rigged and corrupt , why invest in it?
Replies: 64
Views: 5051

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

It could all be solved/prevented by simply not allowing the sale/securitization of loans. If a bank has to keep the loans on its own books and reap the profit or loss of it, this whole problem will disappear This is a great idea. I don't care how much risk the banks take on for their own accounts. ...
by Meaty
Fri Apr 15, 2016 8:16 pm
Forum: Investing - Theory, News & General
Topic: If wall street is rigged and corrupt , why invest in it?
Replies: 64
Views: 5051

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...
by Meaty
Wed Apr 13, 2016 5:37 am
Forum: Investing - Help with Personal Investments
Topic: 28 year old, saving too much for retirement?
Replies: 19
Views: 3676

Re: 28 year old, saving too much for retirement?

Age: 28 Income: $200k base salary, variable bonus ($250k target all-in cash compensation) State: NY Tax bracket: 33% federal, 6.85% state, 3.65% NYC (in the AMT for 2015 and expect to be in 2016 and beyond) Filing status: Single Debt: none Emergency fund: 12 months, not included in below Desired AA...
by Meaty
Tue Apr 12, 2016 6:59 pm
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 5620

Re: The Lawn vs. The Homeowner (guess who's winning)

Ha, I have bamboo, running bamboo. About a 1/4 acre of it. Planting running bamboo is like getting into a ground war in south east Asia. Every spring I get out a chainsaw and begin the assault. The fight is constant and the enemy never sleeps. Through the summer I battle on taring through clump aft...
by Meaty
Sat Apr 09, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer in Hand, Delaying Notice
Replies: 42
Views: 3696

Re: Job Offer in Hand, Delaying Notice

By all means, wait until after you close. In addition, wait until two weeks prior to your start date, since that's customary at your current position. You must be young, my friend, and not gone through any cut-throat merger/acquisition/RIFs (Reduction in Force = layoffs) in your career. Going throu...
by Meaty
Sat Apr 09, 2016 6:57 am
Forum: Personal Consumer Issues
Topic: Buy a house with previously repaired foundation issues?
Replies: 22
Views: 1686

Re: Buy a house with previously repaired foundation issues?

bonfire wrote:In North Texas, there are two kinds of houses. Those that have had foundation trouble and those that will. Get an engineers report, should be all you need to set your mind at ease


+1. In this area the soil creates a problem with all - literally all - foundations. It depends where you're buying
by Meaty
Wed Apr 06, 2016 6:40 am
Forum: Investing - Help with Personal Investments
Topic: How to invest HSA with Wells Fargo?
Replies: 7
Views: 669

Re: How to invest HSA with Wells Fargo?

I have an HSA account with Wells Fargo and the account has more than $2000 now, so I am thinking about investing the money. Here are the available Wells Fargo funds https://www.wellsfargo.com/investing/hsa/funds-options/ I am wondering if anybody has any experience in investing HAS with Wells Fargo...
by Meaty
Fri Apr 01, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: Medical billing
Replies: 13
Views: 948

Re: Medical billing

I'm struggling to understand medical billing. My wife had a procedure. The doctors office correctly determined we have a deductible and required us to pay for the procedure in full up front. I've now received an EOB outlining many thousands more was remitted as a claim; all of which apparently won'...
by Meaty
Fri Apr 01, 2016 5:45 am
Forum: Personal Consumer Issues
Topic: Medical billing
Replies: 13
Views: 948

Re: Medical billing

If I had to guess as an MD: You had a procedure and paid the deductible and the amount you were liable for x procedure. If the EOB has only x procedure CPT code then you already paid for it all and ignore the bill. If you are being charged y and z on your EOB then you have NOT paid for it and are l...
by Meaty
Thu Mar 31, 2016 9:17 pm
Forum: Personal Consumer Issues
Topic: Medical billing
Replies: 13
Views: 948

Re: Medical billing

It depends on what you signed. If there was only something stating that the total cost would be X (given some situation Y with no complications, and that's what happened), I don't think (I could be wrong about this) they could legally collect on their bill if you challenged it in court. We were nev...
by Meaty
Thu Mar 31, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: Medical billing
Replies: 13
Views: 948

Re: Medical billing

It depends on the specifics, and it''s been a while since I've researched this, but I believe that some states don't allow balance billing (Require the patient to pay w/e the insurance co doesn't cover) by providers. On the flip side, if your state does allow it, and you signed some document statin...
by Meaty
Thu Mar 31, 2016 8:29 pm
Forum: Personal Consumer Issues
Topic: Medical billing
Replies: 13
Views: 948

Medical billing

I'm struggling to understand medical billing. My wife had a procedure. The doctors office correctly determined we have a deductible and required us to pay for the procedure in full up front. I've now received an EOB outlining many thousands more was remitted as a claim; all of which apparently won't...
by Meaty
Thu Mar 31, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: best way to negotiate with cable company?
Replies: 38
Views: 4180

Re: best way to negotiate with cable company?

Drop cable and get a roku/Netflix. I'm in the process of doing that now
by Meaty
Tue Mar 29, 2016 6:16 am
Forum: Investing - Help with Personal Investments
Topic: When do I sell????
Replies: 36
Views: 3360

Re: When do I sell????

Your exit strategy is retirement 30+ years from now. Buy (and keep buying) broad, diversified, low cost index funds according to your asset allocation and IPS. When you're 60 you can worry about withdrawal strategies
by Meaty
Mon Mar 28, 2016 6:10 pm
Forum: Personal Consumer Issues
Topic: Installing AC: Rheem vs. Trane (or other) system
Replies: 28
Views: 2450

Re: Installing AC: Rheem vs. Trane (or other) system

I obtained quotes for installing central AC for our house (2,400 sq ft one-level). Our area is temperate, so we would only use AC about 3-4 months out of the year and just during mid to late afternoon. All three companies recommended a 5-ton condenser. But some quoted 14 SEER and others 16 SEER. Th...
by Meaty
Sun Mar 27, 2016 11:45 am
Forum: Personal Consumer Issues
Topic: Does anyone earn any income (10 bucks plus) a week from one of those survey, blog, visit website jobs?
Replies: 22
Views: 2126

Re: Does anyone earn any income (10 bucks plus) a week from one of those survey, blog, visit website jobs?

I am just curious if any of you guys/girls spend some time to make a little extra money doing online stuff. I'm not talking about huge income, but one of those (make 30 bucks weekly by doing survey's etc). I'd like to do one of this things if I have idle time and I could make a few extra bucks. I d...
by Meaty
Thu Mar 24, 2016 7:06 pm
Forum: Investing - Theory, News & General
Topic: Financial Morality
Replies: 23
Views: 1881

Re: Financial Morality

Grt2bOutdoors wrote:It's called capitalism.


+1000000000
by Meaty
Tue Mar 22, 2016 6:50 pm
Forum: Investing - Theory, News & General
Topic: The Next 40 Years
Replies: 35
Views: 3848

Re: The Next 40 Years

I am 30 years old. My wife and I actively contribute a large portion of our salary to retirement savings. Most of that is in the form of Vanguard target retirement funds. I struggle with the idea that throughout the next 35-40 years until retirement age, that I will receive a good return on my inve...
by Meaty
Mon Mar 21, 2016 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Unwanted Raise - Company stopping 401(k)
Replies: 19
Views: 2533

Re: Unwanted Raise - Company stopping 401(k)

I'd be looking for a new job. That 18k of annual tax deferred space is precious
by Meaty
Mon Mar 21, 2016 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: How much is your allowance?
Replies: 40
Views: 3777

Re: How much is your allowance?

100/month
by Meaty
Sun Mar 20, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: Removing mildew from vinyl siding
Replies: 25
Views: 2061

Re: Removing mildew from vinyl siding

I have a lot of black staining in my driveway. It's not oil, but seems like grime and possibly dirt build up. I may try Jomax but does it use pretty harsh chemicals? Any other recommendations for getting those out? That's what your pressure washer is for- works great on this application with water ...
by Meaty
Sat Mar 19, 2016 7:11 pm
Forum: Personal Consumer Issues
Topic: Removing mildew from vinyl siding
Replies: 25
Views: 2061

Re: Removing mildew from vinyl siding

I'd stay away from power washing. It's easy to spray at the wrong angle (upward), blowing caulk out of Windows, etc. get a bottle of jomax from lowes and a hand pump sprayer. You spray the mixture on (water,bleach, jomax) gently, let it sit for a few min, and then use the hose to rinse. The mold wil...
by Meaty
Tue Mar 15, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Duct cleaning
Replies: 36
Views: 3118

Re: Duct cleaning

What is the cost to do a job like this? I have a two story house with 3000 square foot with no filter that I can find. It has a return air intake on the heater that is 10-12 feet up on the wall in my stair well, so it is impossible for me to reach. The home is 35 years old. Thanks in advance. I've ...
by Meaty
Mon Mar 14, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: Duct cleaning
Replies: 36
Views: 3118

Re: Duct cleaning

I have never had the ducts in my homes cleaned. I do change the filters every 30 days. :happy I don't understand where the ducts would need cleaning. The intake filter traps gets dirty and needs to be changed regularly, but otherwise, air just flows through the ducts. My filters don't get that dirt...
by Meaty
Mon Mar 14, 2016 7:00 am
Forum: Personal Consumer Issues
Topic: Duct cleaning
Replies: 36
Views: 3118

Re: Duct cleaning

We're just about to have that done. Our situation is a bit different, we've been in this house for eighteen years and have never had them cleaned (which means that they're probably way, way overdue). In my own case, I'm hoping it makes a difference to my allergies. I'll try to remember to update af...
by Meaty
Mon Mar 14, 2016 7:00 am
Forum: Personal Consumer Issues
Topic: Duct cleaning
Replies: 36
Views: 3118

Re: Duct cleaning

Thanks for the replies. We have a slight musty smell when the AC kicks on. We had a uv light installed over the coils and that's taken care of 99% of it but the small residual makes me think the ducts themselves might need cleaning

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