Search found 581 matches

by tainted-meat
Sun Jul 24, 2016 7:39 pm
Forum: Personal Consumer Issues
Topic: What kind of apartment can $1k get you in your city?
Replies: 60
Views: 3394

Re: What kind of apartment can $1k get you in your city?

In Chicago, I'd say a studio in a desirable area (larger then LA) Maybe a small 1br or basement in apartment in a 'somewhat' desirable area. I personally think Chicago is a great deal, however I do have friends that live in the burbs that have houses twice the size of mind for less money. I'm 30, a...
by tainted-meat
Sun Jul 24, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: What kind of apartment can $1k get you in your city?
Replies: 60
Views: 3394

Re: What kind of apartment can $1k get you in your city?

student wrote:1000 square feet 2 bedrooms apartment.


About the same here in Louisville, KY.
by tainted-meat
Wed Jul 20, 2016 5:21 pm
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 78
Views: 7474

Re: Why did the car salesman stop replying to my emails

I don't care if you make a ridiculous offer or not; if you're in sales and a customer makes you an offer, you owe him at the very least a polite decline. None of this disappearing act. I disagree. Why should a salesperson be held to a higher standard to someone who doesn't want to make a fair deal?...
by tainted-meat
Mon Jul 18, 2016 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Scary thought. Running out of time to save for retirement
Replies: 60
Views: 6292

Re: Scary thought. Running out of time to save for retirement

This is sad for someone like me who won't graduate until age 27 and will not be able to contribute anything beyond employer match for at least another 4-5 years after that due to student debt. :sharebeer You'll be fine. As a Pharmacist you'll probably start off making close if not 6 figures. Once y...
by tainted-meat
Sat Jul 16, 2016 4:33 pm
Forum: Investing - Theory, News & General
Topic: Fidelity four-in-one index fund lower ER, invest everything in it?
Replies: 27
Views: 2368

Re: Fidelity four-in-one index fund lower ER, invest everything in it?

ShadowCat wrote:Thanks everyone, I decided to switch everything in my retirement accounts over to FFNOX. Gives me peace of mind knowing I'm well diversified and automatically rebalancing.


A solid fund in my opinion. You made a good decision. Now you can sit back, relax and work on buying more shares of FFNOX.
by tainted-meat
Thu Jul 14, 2016 7:29 am
Forum: Personal Finance (Not Investing)
Topic: 401k vs mortgage
Replies: 26
Views: 2169

Re: 401k vs mortgage

As some other posters have said. I'd get PMI off and refinance to a lower rate before rates go back up, then max the 401k to IRS limits if you can.
by tainted-meat
Wed Jul 13, 2016 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Going into the market in a big way NOW?
Replies: 14
Views: 1904

Re: Going into the market in a big way NOW?

If I had many millions I wouldn't much worry about anything at that point. International valuations aren't too shabby.
by tainted-meat
Mon Jul 11, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: Email compromised: How serious?
Replies: 45
Views: 3249

Re: Email compromised: How serious?

My email was compromised a couple months ago and the hackers got hold of my paypal account to drain about 1k from it (I was reimbursed, which is a testament to PayPal's service). I would check your PayPal account if you have one to make sure.
by tainted-meat
Fri Jul 08, 2016 3:05 pm
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 7806

Re: Hiking questions

Only total hiking newbies wear hiking boots. Everyone else I know wears running type shoes.
by tainted-meat
Fri Jul 08, 2016 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Simplification vs. "Optimization"
Replies: 36
Views: 2596

Re: Simplification vs. "Optimization"

simplification is optimization when it comes to investing
by tainted-meat
Wed Jul 06, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: When to proactively replace water heater
Replies: 39
Views: 2650

Re: When to proactively replace water heater

My parents built a house in '99. The same tank still works. I think 'rules of thumb' don't always apply.
by tainted-meat
Wed Jul 06, 2016 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Feeling stuck in Career/ Portfolio review
Replies: 31
Views: 4080

Re: Feeling stuck in Career

I believe Registered Nurses make better money, and many work a 3 day (12 hrs per day) shift. To me that seems a better way to go.

EDIT - Also, I've known people in this city who signed on with a hospital and had their college paid for and worked at the same time.
by tainted-meat
Tue Jul 05, 2016 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Zero bonds at 38 yo... and no plans to buy any
Replies: 68
Views: 4995

Re: Zero bonds at 38 yo... and no plans to buy any

I'm with you and would rather take the chance the stock market crashes than by bonds at these crummy yields.
by tainted-meat
Fri Jul 01, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 145
Views: 8690

Re: How many of you have cut cord?

I've only had cable for one year out of the last 7 years and currently don't have it. I KET (local PBS station) on Friday nights and that is all. Read the WSJ, novels or play tennis. I don't miss TV at all.
by tainted-meat
Fri Jul 01, 2016 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Please show me why three fund is better than this...
Replies: 44
Views: 3061

Re: Please show me why three fund is better than this...

The more I read the more happy I am that I found Taylor's 3 fund portfolio early in my investing career. I only utilize two of the three funds as I don't like bonds but it has simplified my investing so much. I don't worry about finding the next best thing because I already have it. Master Tax Loss ...
by tainted-meat
Wed Jun 29, 2016 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Worthwhile to switch? [changing job]
Replies: 6
Views: 541

Re: Worthwhile to switch?

If you can negotiate year one to be like year four you are good to go.
by tainted-meat
Mon Jun 27, 2016 11:02 am
Forum: Personal Consumer Issues
Topic: Dog attacked by another dog
Replies: 91
Views: 4772

Re: Dog attacked by another dog

It drives me nuts when people don't have their dogs on a leash. Most dogs are friendly. Others are friendly only to the owner.
by tainted-meat
Tue Jun 21, 2016 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo selling HSA division
Replies: 2
Views: 621

Re: Wells Fargo selling HSA division

I have Optum through my work and have been using it the last 7 years. Originally it started with only one index fund with a .60% expense ratio for the S&P 500. Over the years they've added three Vanguard Index Funds (S&P 500, Mid Cap and Small Cap). I believe my fee is $1.75/month for holdin...
by tainted-meat
Mon Jun 20, 2016 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Broker or Direct?
Replies: 5
Views: 364

Re: Insurance Broker or Direct?

In the process of buying a home. Got quotes for home/auto. I tend to be a very loyal customer. Went direct to company who handled my condo that I sold two years ago (statewide company). Went direct to company who has my wifes car insurance (big name company). Went to broker and beat both by about 20...
by tainted-meat
Fri Jun 17, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: One more mortgage payoff thread...
Replies: 47
Views: 3811

Re: One more mortgage payoff thread...

Congratulations. As Dave would say, if you decide you don't like the paid off house, you can always mortgage it again. I am so torn on the subject. I don't know personally what I will do when I have the option to pay it off. I frankly don't think there is a right or wrong answer. Yeah it's a tough ...
by tainted-meat
Thu Jun 16, 2016 8:25 am
Forum: Personal Consumer Issues
Topic: General Negotiating Tips
Replies: 72
Views: 7308

Re: General Negotiating Tips

In my opinion there are two main types of sales: 1. Relationship - ongoing sales (usually B2B, recurring purchases such as office supplies, consulting work) - Here you have to remember there is give and take between the two parties to promote ongoing business. 2. Competitive - one-time buy (ie. car,...
by tainted-meat
Thu Jun 16, 2016 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Why own American stocks?
Replies: 25
Views: 2353

Re: Why own American stocks?

I wish i had more $$ to buy international. Currently all tapped out but with a strong dollar and lower valuations in the international world there are deals to be had for a long-term investor.
by tainted-meat
Tue Jun 14, 2016 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Recast Question
Replies: 13
Views: 950

Re: Mortgage Recast Question

I am in the process of buying a home. Looked at 15 & 30 year rates of which both are incredibly low compared to historical averages. I decided to lever up and go for the 30 year. To get a fixed rate at 3.625 for 30 years is really incredible and most likely less than you would pay for a personal...
by tainted-meat
Fri Jun 10, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: New Truck?
Replies: 46
Views: 3148

Re: New Truck?

Those Ford F150 Raptors look awesome.
by tainted-meat
Sat Jun 04, 2016 11:09 pm
Forum: Personal Consumer Issues
Topic: Sudden spam explosion in my inbox
Replies: 15
Views: 1773

Re: Sudden spam explosion in my inbox

That happened on my yahoo account about two months ago. I later found out my paypal account was hacked and funds liquidated and my name as well as email login information changed. It appears the hacker spammed my email account to hide the name and password change emails from PayPal. PayPal made me w...
by tainted-meat
Fri May 27, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: College Grad - Return to School for More Income?
Replies: 31
Views: 1859

Re: College Grad - Return to School for More Income?

If you are good with people and like making money then forget going back to school and move into sales. Many companies will provide a base salary over what you are making and provide a company car with variable comp on top of it. It is stressful and there are lots of ups and downs but it can be a gr...
by tainted-meat
Wed May 25, 2016 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Student Loans vs IRA (follow-up)
Replies: 10
Views: 723

Re: Student Loans vs IRA (follow-up)

27k in student loans is not that much. I would max retirement accounts to save on taxes as long as you get the deduction. Will you get the full traditional IRA deduction given a relatively high 100k income?
by tainted-meat
Sat May 21, 2016 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Buying our 1st House. What do you do when you can only put down 15% instead of 20%?
Replies: 56
Views: 4050

Re: Buying our 1st House. What do you do when you can only put down 15% instead of 20%?

Is your job secure enough that you you can do a 401k loan that will bridge the gap?
by tainted-meat
Sat Apr 30, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Renting vs owning
Replies: 141
Views: 15449

Re: Renting vs owning

Loud neighbors can be annoying in an apartment. Although you can also buy a house with an annoying dog next door. It's a personal decision and not everything comes down to dollars and cents.
by tainted-meat
Mon Apr 25, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: U. of Michigan, Indiana U. college visits
Replies: 21
Views: 1827

Re: U. of Michigan, Indiana U. college visits

IU Grad here... Bed & Breakfast - Grant Street Inn - you can walk to campus, downtown and Kirkwood where many restaurants are. Bed & Breakfast - Scholar's Inn The must do's Nick's English Hut on Kirkwood is a Bloomington landmark that is parent friendly. Sample Gates just east of Nick's is a...
by tainted-meat
Wed Apr 13, 2016 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: International
Replies: 35
Views: 2703

Re: International

There are some great international companies that I like to have on my portfolio. Take Nestle and Novartis, for example.
by tainted-meat
Sat Mar 19, 2016 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo - Large Banks or Smaller Banks
Replies: 39
Views: 2928

Re: Wells Fargo - Large Banks or Smaller Banks

I had an account with Primerit Bank back in the early 1990s. Now it is Wells Fargo (history of Primerit Bank - http://www.usbanklocations.com/primerit-bank-federal-savings-bank-30837.shtml). My Wells Fargo account is what I use to pay all my credit cards. Checks are drawn on a Citi account. I don't...
by tainted-meat
Tue Mar 15, 2016 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Schwab
Replies: 27
Views: 1246

Re: Schwab

Schwab has some of the lowest cost ETFs out there so I think some of the previous comments regarding Charles Schwab and his yachts are unfair and misleading for our purposes of low cost investing advice. Both companies are great if you invest in the right products (low cost index funds or ETFs).
by tainted-meat
Sun Mar 06, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus taxed at 44.46%?
Replies: 39
Views: 4857

Re: Bonus taxed at 44.46%?

Also, don't forget about taking $ out for 401k, ESPP, etc. This is a great time to pack away some good savings. I pretty much always plan for about 50-55% net payment. Same here, then I just dial back contributions from my regular paycheck where the witholdings are much less and don't have to wait ...
by tainted-meat
Fri Mar 04, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 27963

Re: Don't understand nutrition and exercise

Walk 1 hour per day, 5-6 days per week. Download a book to your smartphone or stream news or whatever you like. You can learn a lot while you walk. Eat one apple, one banana and a handful of grapes each day (or substitute other fruit). There's your 3 servings of fruits. Eat a salad with cherry or gr...
by tainted-meat
Fri Mar 04, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: Cast Iron Frying Pans
Replies: 71
Views: 7429

Re: Cast Iron Frying Pans

We have a Lodge iron skillet. I think it cost $30 and it's all we use anymore.
by tainted-meat
Fri Mar 04, 2016 9:34 am
Forum: Investing - Theory, News & General
Topic: 100% US Equities argument: "We spend in Dollars"
Replies: 49
Views: 4874

Re: 100% US Equities argument: "We spend in Dollars"

I am of the group that believes there are strong companies inside and outside the U.S. When you have a strong dollar and International blue chips are favorably valued I think it is prudent to diversify.
by tainted-meat
Mon Feb 29, 2016 9:53 am
Forum: Personal Consumer Issues
Topic: Is Working from Home the New Normal?
Replies: 57
Views: 5934

Re: Is Working from Home the New Normal?

Interesting replies. It would appear few (if any) absolutely, positively, love to pile in their sedans (or ride BART or whatever) for an hour commute. The funniest story: one of my wife's company's Directors finally told the Board she was done with commuting. No more face time. She was moving to St...
by tainted-meat
Sun Feb 28, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Making Optional Principal Payments on Primary Residence
Replies: 15
Views: 1214

Re: Making Optional Principal Payments on Primary Residence

At current interest rates, I'd keep the leverage on a home loan especially in a non-recourse state.
by tainted-meat
Thu Feb 25, 2016 9:07 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets currency effect for last 3 years
Replies: 6
Views: 850

Re: Emerging Markets currency effect for last 3 years

Good post.

You definitely get a lot for your money going overseas these days.
by tainted-meat
Tue Feb 23, 2016 10:20 am
Forum: Investing - Theory, News & General
Topic: personal savings rate vs the general population
Replies: 69
Views: 9392

Re: personal savings rate vs the general population

He lost me at "large numbers of your parents’ generation subsisting on cat food". That is so unrealistic that it discredits the article.

Save 15-20% if you can and enjoy life. The rest is all article fodder meant to sell internet ads.
by tainted-meat
Thu Feb 18, 2016 9:45 pm
Forum: Investing - Theory, News & General
Topic: Extreme saving with low returns - not worth it?
Replies: 71
Views: 9082

Re: Extreme saving with low returns - not worth it?

I don't think anyone knows what the returns will be. In any case, balance is key and extreme of anything isn't good in my opinion.
by tainted-meat
Sat Feb 13, 2016 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: I am leaving too much $ on the table by retiring 1 year early?
Replies: 36
Views: 4093

Re: I am leaving too much $ on the table by retiring 1 year early?

Holy moly. Yes, I would work another couple years for the extra $1800 per month.
by tainted-meat
Sat Feb 06, 2016 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Disappointed in International Funds
Replies: 42
Views: 3828

Re: Disappointed in International Funds

I hope International and Emerging stay lackluster for 20 more years so I can keep buying them up. With a strong dollar and a reasonable book value I think they are ripe for the picking.
by tainted-meat
Sat Jan 30, 2016 8:43 am
Forum: Personal Finance (Not Investing)
Topic: I got let go yesterday
Replies: 45
Views: 9905

Re: I got let go yesterday

Bummer. Being that you went into procurement you're obviously not afraid of risk. Try getting into sales in your industry. Your technical knowledge applied well could really work wonders for you. Good luck.
by tainted-meat
Tue Jan 26, 2016 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer funds from Schwab to Vanguard
Replies: 33
Views: 3235

Re: Transfer funds from Schwab to Vanguard

I agree with this post. Sometimes we as investors forget to "keep it simple" and add complexity by switching when you really don't need to. Vanguard is better? I think you are under estimating Schwab. This is not a comparison with a firm like EJ or Ameriprise. http://www.schwab.com/public/...
by tainted-meat
Mon Jan 25, 2016 9:59 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 222
Views: 15782

Re: Do you pay for exercise?

No, although I'm not opposed to it. I walk, run and play tennis and also hit the lake in the summer. I prefer outdoor activities though because I feel more adaptable to changing seasons (hot, cold, etc).
by tainted-meat
Sat Jan 23, 2016 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: 30 YO with 100K looking for investment advise - and a Shocking Chart
Replies: 25
Views: 2344

Re: 30 YO with 100K looking for investment advise - and a Shocking Chart

If you buy enough (20 or so) of those large funds you mentioned there is a good chance your funds will have similar returns to a large cap domestic index. You could do your own little portfolio of growth stocks like the "Nifty Fifty" of years past. Bogle had an example like this in his book.
by tainted-meat
Thu Jan 21, 2016 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Going from 50/50 US/Int to All US
Replies: 80
Views: 6261

Re: Going from 50/50 US/Int to All US

While Jack Bogle doesn't advocate the use of International Stock for US investors, I didn't get the vibe from his Common Sense on Mutual Funds that he is anti-International. He says if you want to do it keep it to 20%. Also, he has a long chapter on RTM or Reversion to the Mean where he explains tha...
by tainted-meat
Wed Jan 20, 2016 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: I have no more money to invest
Replies: 76
Views: 7046

Re: I have no more money to invest

What's the reason for being 100% in stocks, for those of you with that allocation? Long time horizon for me, although it could be a lot shorter if international stocks go on a rampage. It could also be a longer horizon if they don't :happy. It would hurt me more to miss out on big gains with a cons...

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