Search found 489 matches

by Meaty
Wed Dec 13, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 35
Views: 2602

Re: Cheap tablet just for internet surfing

We bought a factory refurbished iPad from Walmart for $99. It’s been great
by Meaty
Wed Dec 13, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?
Replies: 32
Views: 1702

Re: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?

TheHouse7 wrote:
Wed Dec 13, 2017 1:28 pm
DCA vs Lump sum has been extensively studied.

Lump sum asap if you can. Get the most time in the market as possible.
Agree. This is why I lump sum. I do it with my 401k early in the year too as I have a true up provision
by Meaty
Wed Dec 06, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: How do you know you are FI? [Financially Independent]
Replies: 48
Views: 3816

Re: How do you know you are FI?

For me, financially independent means a 4% withdrawal rate from my portfolio meets or exceeds my gross expenses given a life expectancy of an additional 30 years. If the time horizon is over 30 years, I use 3%. So, in my view, if you are 40 (ie life expectancy is greater than 30 years), you are FI i...
by Meaty
Tue Nov 28, 2017 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Another House Affordability Question
Replies: 18
Views: 1462

Re: Another House Affordability Question

I enjoy lurking and reading through a lot of affordability posts on here and decided to take the plunge and make my own. This is a high COL area and my spouse and I are late 20s, no kids (but do plan on having them within a few years). House Purchase Price - $750k - $800k Taxes - $18k annually Inco...
by Meaty
Thu Nov 09, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 4999

Re: what pickup truck

TRC wrote:
Wed Nov 08, 2017 9:35 pm
What are your requirements?
This. I drove a Tacoma for years and it was excellent but if you need a full size then my advice wouldn’t help
by Meaty
Sat Nov 04, 2017 5:59 am
Forum: Personal Consumer Issues
Topic: How much to spend for bathroom remodel with these features in LCOL area
Replies: 27
Views: 1749

Re: How much to spend for bathroom remodel with these features in LCOL area

For those who had a whole remodel- How long did the work take to complete

Thanks
by Meaty
Wed Nov 01, 2017 5:48 am
Forum: Personal Consumer Issues
Topic: Insurance Rates, Home and Car
Replies: 7
Views: 611

Re: Insurance Rates, Home and Car

We are having a new baby so I've been examining some of our costs and these have REALLY skyrocketed in the last 5 years. When I compare to 5 years ago, same house, same vehicles same basic coverage although I went from 50/100k to 100/300k on Vehicle comprehensive, and this increased it about $70/6 ...
by Meaty
Fri Oct 27, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Upgrade my Roku?
Replies: 34
Views: 3245

Re: Upgrade my Roku?

As a result of this thread, I upgraded from roku 2 to the roku stick. The improvement was significant. It’s far more responsive, doesn’t constantly buffer, and doesn’t constantly give me error messages.

Cost was $29 on Amazon. Well worth it in my view.
by Meaty
Thu Oct 12, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Protein Bars and Smoothies
Replies: 82
Views: 7116

Re: Protein Bars and Smoothies

I'm looking to add more protein to my diet, in the form of a snack -- either through a bar or smoothie. I'd like something natural and not loaded with sweeteners. I'd like something that's ~20g of protein and it's ok if it has more carbs than that and if it has some grams of fat. Any recommendation...
by Meaty
Mon Oct 09, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: HSA’s: What level of risk do you prefer?
Replies: 58
Views: 4096

Re: HSA’s: What level of risk do you prefer?

Keep in mind that money is fungible across investment accounts. Much of the thinking in the thread above represents illusory "mental accounting." Say your HSA holdings are 100% stock. You incur a health related expense of $1000. Sell $1000 of stock in your HSA to pay for your expense. Immediately t...
by Meaty
Mon Oct 09, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: HSA’s: What level of risk do you prefer?
Replies: 58
Views: 4096

Re: HSA’s: What level of risk do you prefer?

http://www.investopedia.com/articles/personal-finance/091615/how-use-your-hsa-retirement.asp Open insurance enrollment for my employer is coming in a few weeks. I’m strongly looking to move from the currently enrolled HRA employer offered plan to the employer offered HSA. I’m 40, single, and withou...
by Meaty
Sun Oct 01, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7965

Re: What will happen if I refuse to pay a medical bill?

Ask the office for their cash price and explain it to them nicely. Then pay it and move on. It's a learning experience. $345 is a pretty cheap way to learn that you don't have such a great insurance policy. As to what will happen if you don't pay? It will be sent to collections. Pay your bills. But...
by Meaty
Sun Oct 01, 2017 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Moving from one paid-for house to another
Replies: 22
Views: 2135

Re: Moving from one paid-for house to another

Do you only eat at the single best restaurant? Drive the one best car? What happens when a new car gets great reviews, the year after you bought one, do you switch? I've never understood the desire to have "the best" cause it's entirely subjective, mercurial, and subject to skew (through marketing,...
by Meaty
Wed Sep 27, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Car Lease break
Replies: 12
Views: 1331

Re: Car Lease break

Post on craigslist. I see these all the time from military personnel. :wink: Seriously, what city? What are the lease terms and cost? Which trim level? How many months/miles left? http://www.leasetrader.com/ http://www.swapalease.com/ You could also see how much Carmax will offer. FYI - military me...
by Meaty
Wed Sep 27, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Unbelievable AT & T
Replies: 29
Views: 3770

Re: Unbelievable AT & T

For all those with conflicting responses from service representatives, particularly with prorated billing, my advice is to file a complaint with the BBB and make your case. That was the only way my issue was resolved (to include the late fee I was charged after being told to expect a revised bill, ...
by Meaty
Wed Sep 27, 2017 5:58 am
Forum: Personal Consumer Issues
Topic: Personal finance help for those below/near poverty line
Replies: 48
Views: 6775

Re: Personal finance help for those below/near poverty line

There is a local non-profit that provides food aid to individuals/families in need. After speaking with some of the staff, I thought it might be helpful to provide a list of resources for services such as cell phone & internet to help out their clients. I'm familiar with a lot of the deals/provider...
by Meaty
Tue Sep 26, 2017 8:12 pm
Forum: Investing - Theory, News & General
Topic: Real estate, the 2008 crash and sub prime loans (sucess story)
Replies: 4
Views: 729

Re: Real estate, the 2008 crash and sub prime loans (sucess story)

Hello, I am new to the forum and this may have been covered before but I'm a lazy searcher so here it goes: In 1998 I bought my first home with (gasp) friends . None of us made very much money but all of us qualified for a non-income verified loan ( I don't think this exists any more :( In three ye...
by Meaty
Tue Sep 26, 2017 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Another "Should I sell my business" thread
Replies: 26
Views: 2663

Re: Another "Should I sell my business" thread

First time poster - found Bogleheads from another forum and happy to be here. Looking forward to some exciting dialogue! Background: 54 years old. Bought this business about 15 years ago and have invested a lot of sweat and energy to build it into a nice retirement nest egg. Revenue in 2017 will be...
by Meaty
Sun Sep 24, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 83
Views: 5471

Re: Bogleheads monthly costs of dog ownership?

<r><QUOTE author="Coachrhino11" post_id="3544526" time="1506180651" user_id="124504"><s> </s> My wife and I found a lab mix dog at city shelter that's around 2 and if still there we are thinking about getting him this weekend. Only $75 with being fixed, microchip, etc.. . Way cheaper than going thr...
by Meaty
Sat Sep 23, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 83
Views: 5471

Re: Bogleheads monthly costs of dog ownership?

My wife and I found a lab mix dog at city shelter that's around 2 and if still there we are thinking about getting him this weekend. Only $75 with being fixed, microchip, etc.. . Way cheaper than going through breeder for full bread dog. He seems already trained, super calm walking on a leash, list...
by Meaty
Wed Sep 20, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: Federal Reserve September 2017 meeting
Replies: 5
Views: 842

Re: Federal Reserve September 2017 meeting

riptide wrote:
Wed Sep 20, 2017 8:24 am
Please explain what this weeks Federal Reserve meeting may have on stocks and bonds. Thank you.
Short answer - no one knows but this IS baked into the price of the market as the Fed has been broadcasting its intent. They hope to GRADUALLY increase rates by selling off their massive bond portfolio
by Meaty
Wed Sep 20, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Contractor paid by hour charging for crew's breaks?
Replies: 6
Views: 971

Re: Contractor paid by hour charging for crew's breaks?

From what you describe, I'd have bigger concerns. I'm not sure if you can at this point, but I'd try to restructure this entire arrangement. You should pay a fixed amount per job/task and only when it's completed to your satisfaction (I.e $x paid upon flooring install, etc). Otherwise, your contract...
by Meaty
Wed Aug 16, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 11393

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: 3344

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: 984

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: 984

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: 984

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: 984

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: 984

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: 8343

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: 8343

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: 1142

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: 8608

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: 4811

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: 4811

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: 7171

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: 14727

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: 8622

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: 2191

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. https://www.bogleheads.org/wiki/Roth_IRA_as_an_emergency_fund 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 c...
by Meaty
Sat Jun 17, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Reasonable HVAC Quote?
Replies: 34
Views: 3717

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: 14774

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: 873

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: 430

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: 430

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: 949

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: 4869

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: 4869

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: 2541

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: 15307

Re: Which state to move for milder weather

SAN Diego