Search found 594 matches

by tainted-meat
Mon Aug 22, 2016 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Buying a new home at age 50 in a nicer neighborhood
Replies: 76
Views: 5889

Re: Buying a new home at age 50 in a nicer neighborhood

Wow, you have a beautiful home and landscape job. I love that grill area. I'd stay there if you can only get $235k for it. You have quite an oasis/relax area.
by tainted-meat
Sun Aug 14, 2016 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: what to buy when stock market is a new high?
Replies: 37
Views: 5228

Re: what to buy when stock market is a new high?

International valuations are attractive, not as attractive as they were around February but still attractive.
by tainted-meat
Sat Aug 13, 2016 8:15 pm
Forum: Personal Consumer Issues
Topic: Sealing Asphalt Driveway
Replies: 30
Views: 1651

Re: Sealing Asphalt Driveway

It's about 4 feet long by 2 feet wide on the asphalt driveway - not connected to concrete. It gathers mud/dirt after a hard rain. hanks for the suggestion on the asphalt, I'll go pick some up and try it out If if is shallow then the asphalt will not work. It has to be at least 2 to 3 inches or more...
by tainted-meat
Sat Aug 13, 2016 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-nup questions
Replies: 35
Views: 4233

Re: Pre-nup questions

I can see them both at a restaurant together...

"So um... you're paying for your portion since you got the lobster, right?"
by tainted-meat
Sat Aug 13, 2016 4:43 pm
Forum: Personal Consumer Issues
Topic: Sealing Asphalt Driveway
Replies: 30
Views: 1651

Re: Sealing Asphalt Driveway

It's about 4 feet long by 2 feet wide on the asphalt driveway - not connected to concrete. It gathers mud/dirt after a hard rain. hanks for the suggestion on the asphalt, I'll go pick some up and try it out
by tainted-meat
Sat Aug 13, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: Sealing Asphalt Driveway
Replies: 30
Views: 1651

Re: Sealing Asphalt Driveway

[/quote]

I still recommend that. I did that driveway on schedule again in June 2015 using 7 pails of quality sealer and it looks like it was done this year.
Jim[/quote]

Hi Sheepdog, any recommendations for filling in a "dip" in the driveway that gathers a puddle?
by tainted-meat
Sat Aug 13, 2016 1:27 pm
Forum: Personal Consumer Issues
Topic: Do you wash your car yourself, or have it done?
Replies: 96
Views: 5267

Re: Do you wash your car yourself, or have it done?

When I lived in an apartment, I would take it to the car wash and vacuum it for $5 because I didn't have a driveway to do it in. Now, I vacuum it myself. If it is going to rain I pull it out of the garage and let nature do it's thing. In the winter, I'll take it to the carwash to do the underbody. E...
by tainted-meat
Fri Aug 12, 2016 12:32 pm
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 98
Views: 9637

Re: Stats on Americans 'cutting the cable' ?

I've had cable once year out of the last 7 or 8. I haven't had it now for a couple years and don't miss it. I recently moved and haven't even hooked up the TV. KET on Friday nights is about the only thing I watch.
by tainted-meat
Mon Aug 08, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Build New or Be Content With What We Have?
Replies: 27
Views: 1771

Re: Build New or Be Content With What We Have?

I would be content. I 'hate' the look of additions on homes. When your kids grow up and move out then you are going to have a bigger place than you need.
by tainted-meat
Mon Aug 08, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Experience Living in an Old House?
Replies: 42
Views: 3438

Re: Experience Living in an Old House?

I've lived in older and newer houses (grew up in one from 1880 and rented one from 1920) and lived in brand new homes and apartments. I prefer older ones assuming they've been properly maintainted and the layout is decent. In my experience they have been built with more quality and craftstmanship th...
by tainted-meat
Sun Aug 07, 2016 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Travel for a Year with Family - Career Impact?
Replies: 35
Views: 3478

Re: Travel for a Year with Family - Career Impact?

Taking off a year seems a bit extreme in my opinion. Try to cut back at work a bit (shut the phone off by 7 every evening) and take a nice vacation where you turn it 'off'. If they can you for it then there's your gap year ;).
by tainted-meat
Wed Aug 03, 2016 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Has Anyone Filed a Formal Complaint Against a Real Estate Licensee
Replies: 30
Views: 2188

Re: Has Anyone Filed a Formal Complaint Against a Real Estate Licensee

Gives the rest of us a bad reputation. This is not aimed at you personally, but I think the profession already has a bad reputation. I've had good experiences with agents. The last one helped me find a home before it hit the market and I am very thankful for her efforts. This was after trying to fi...
by tainted-meat
Wed Aug 03, 2016 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: New Job: Take Paycut by leaving Big 4?
Replies: 32
Views: 4199

Re: New Job: Take Paycut by leaving Big 4?

I'd stay. You have good tenure, are valued and seem to decently like your job. I've seen so many people leave a stalwart in their industry only to hop around a lot after that, not quite finding a 'home' again.
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: 3640

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: 3640

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: 7623

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: 6390

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: 2429

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: 2206

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: 1923

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: 3338

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: 8085

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: 2669

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: 2713

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: 4120

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: 5193

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: 148
Views: 9430

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: 3112

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: 543

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: 4848

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: 7
Views: 1046

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: 375

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: 3869

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: 7418

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: 2403

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: 998

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: 3212

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: 1816

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: 1898

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: 740

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: 4107

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: 15801

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: 1870

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: 2768

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: 2993

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: 1277

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: 4953

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: 28542

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: 7541

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: 4954

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.

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