Search found 555 matches

by tainted-meat
Wed May 25, 2016 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Student Loans vs IRA (follow-up)
Replies: 8
Views: 476

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: 3513

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: 140
Views: 14323

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: 1706

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: 2507

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: 2793

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: 1139

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: 4609

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: 25910

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: 7043

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: 4650

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: 5669

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: 1147

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: 821

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: 9085

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: 8784

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: 3960

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: 3690

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: 9697

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: 20
Views: 1667

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: 14964

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: 2262

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: 5973

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: 6778

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...
by tainted-meat
Wed Jan 20, 2016 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Fisher Investments?
Replies: 11
Views: 874

Re: Fisher Investments?

Don't walk, run. Also, don't give them your phone # unless you feel like getting a new one soon.
by tainted-meat
Mon Jan 18, 2016 10:49 am
Forum: Personal Consumer Issues
Topic: Use Local Dealer for New Vehicle Purchase?
Replies: 21
Views: 1810

Re: Use Local Dealer for New Vehicle Purchase?

Get the best price you can - local, out of town or out of state. Doesn't matter where you buy the car - your local dealer will be happy to provide service on it. I've purchased multiple vehicles from dealers that were inconveniently far from home. For routine warranty work, the vehicle would sit at...
by tainted-meat
Sun Jan 17, 2016 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: I can sleep at night but it is on my mind a lot
Replies: 60
Views: 3769

Re: I can sleep at night but it is on my mind a lot

You're good in my opinion. Plus, when you add in social security you will not have to withdraw much in relation to the size of your portfolio.
by tainted-meat
Sat Jan 16, 2016 9:55 am
Forum: Personal Finance (Not Investing)
Topic: How's it going?....any self-doubt?
Replies: 47
Views: 4096

Re: How's it going?....any self-doubt?

no, just wish I had more to kash buy equities with. thought about getting one of those personal loans to do it too. might do it if the market dips further.
by tainted-meat
Fri Jan 15, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: Pizza Stone / Homemade Pizza Advice
Replies: 58
Views: 4587

Re: Pizza Stone / Homemade Pizza Advice

TallBoy29er wrote:
tainted-meat wrote:What has/has not worked for us:

heat the pizza stone before using


Thanks! What temp do you heat to prior to placing the dough on it?


about 450 for about 10 minutes or so. basically, you want it really hot (don't touch it though because it holds heat for a long time)
by tainted-meat
Fri Jan 15, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: Pizza Stone / Homemade Pizza Advice
Replies: 58
Views: 4587

Re: Pizza Stone / Homemade Pizza Advice

^^^Going to have to try that this summer.


good thread btw and I look forward to the responses.
by tainted-meat
Fri Jan 15, 2016 9:04 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 181
Views: 22865

Re: I'm Calling an Emerging Markets Bottom

I'm putting everything I have into them. I think it's gone a bit too low at this point and think it will also rebound in a big way :moneybag
by tainted-meat
Fri Jan 15, 2016 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: My 401(K) -13% (1yr)
Replies: 26
Views: 2158

Re: My 401(K) -13% (1yr)

Mine's down about 20% over the last two years. Now is the time to buy!
by tainted-meat
Fri Jan 15, 2016 8:56 pm
Forum: Personal Consumer Issues
Topic: Pizza Stone / Homemade Pizza Advice
Replies: 58
Views: 4587

Re: Pizza Stone / Homemade Pizza Advice

What has/has not worked for us: heat the pizza stone before using put some corn meal on it before the dough don't use whole wheat dough that needs kneading :D because it breaks part too easily heat up the crust after kneading in the oven to make it crisp don't use too much sauce or the pizza falls a...
by tainted-meat
Fri Jan 15, 2016 7:24 pm
Forum: Investing - Theory, News & General
Topic: I'm sitting here watching FOX Business...14200??
Replies: 92
Views: 8242

Re: I'm sitting here watching FOX Business...14200??

fine with me, i'll just buy more stock
by tainted-meat
Wed Jan 13, 2016 7:54 pm
Forum: Investing - Theory, News & General
Topic: Ever get mad at the screen when the market is down
Replies: 32
Views: 2266

Re: Ever get mad at the screen when the market is down

Not really. Thanks to livesoft's posts on TLH I actually enjoy them in an odd way.

Plus, it means the stocks I want to buy are cheaper. I'll be working another 25-35 years so these swings really don't matter.
by tainted-meat
Wed Jan 13, 2016 2:20 pm
Forum: Investing - Theory, News & General
Topic: Sigh. IlliniDave = Market Timer (VGENX) [Vanguard Energy Fund]
Replies: 43
Views: 5576

Re: Sigh. IlliniDave = Market Timer (VGENX)

Wow, just checked the chart. It's lower than it was on March 6th of 2009. This is a great long-term holding IMO.
by tainted-meat
Wed Jan 13, 2016 2:12 pm
Forum: Investing - Theory, News & General
Topic: Sigh. IlliniDave = Market Timer (VGENX) [Vanguard Energy Fund]
Replies: 43
Views: 5576

Re: Sigh. IlliniDave = Market Timer (VGENX)

Not a bad fund for a long play. I've been doing emerging markets myself. They say wealth is created in bear markets :twisted:
by tainted-meat
Wed Jan 13, 2016 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Convincing Dad to Fire the Firm
Replies: 31
Views: 2859

Re: Convincing Dad to Fire the Firm

A little late now but sounds like he should have stayed with the Fidelity allocation and everything would have worked out fine.

I don't think you can help someone who doesn't want to be helped. A previous poster made a good point about you being blamed if things went south with his portfolio.
by tainted-meat
Tue Jan 12, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: pay down student loan, house or invest taxable?
Replies: 26
Views: 1629

Re: pay down student loan, house or invest taxable?

In order of my preference:

1. Taxable
2. Student Loan
3. Home Loan
4. 529
by tainted-meat
Sat Jan 09, 2016 10:29 pm
Forum: Personal Consumer Issues
Topic: Best light-duty crewcab pickup, new or used
Replies: 19
Views: 1095

Re: Best light-duty crewcab pickup, new or used

Go for the new one. There's something nice about a new vehicle that only you've driven.
by tainted-meat
Sat Jan 09, 2016 10:25 pm
Forum: Investing - Theory, News & General
Topic: Buying opportunity - Blow EF and buy??
Replies: 17
Views: 1719

Re: Buying opportunity - Blow EF and buy??

I've done it before for emerging markets. I'd do it again but it's already been exhausted :D
by tainted-meat
Sat Jan 09, 2016 10:05 am
Forum: Investing - Theory, News & General
Topic: I'm curious if over-weighting equity investors still ok?
Replies: 92
Views: 7302

Re: I'm curious if over-weighting equity investors still ok?

Overweighting emerging markets have been hitting the portfolio pretty hard, nothing like '09 hard though. Oh well, gotta keep buying :moneybag
by tainted-meat
Thu Jan 07, 2016 10:24 pm
Forum: Personal Consumer Issues
Topic: What is fair with new damaged and non working appliances
Replies: 6
Views: 870

Re: What is fair with new damaged and non working appliances

Despite the issues, I'd say you bought from a good seller as they've already agreed to replace what you've requested. Things happen sometimes and at least they're owning it.
by tainted-meat
Thu Jan 07, 2016 9:52 am
Forum: Personal Consumer Issues
Topic: Vacation Deal
Replies: 9
Views: 1001

Re: Vacation Deal

Joey_Freshwater wrote:I keep getting calls about free cruises! ;)


Glad I'm not the only one :?
by tainted-meat
Wed Jan 06, 2016 9:06 pm
Forum: Investing - Theory, News & General
Topic: Most Americans are one paycheck away from the street
Replies: 6
Views: 1463

Re: Most Americans are one paycheck away from the street

That's scary stuff and stressful as well I'd imagine.
by tainted-meat
Wed Jan 06, 2016 4:39 pm
Forum: Personal Consumer Issues
Topic: Sales reward - not sure what to pick
Replies: 42
Views: 2638

Re: Sales reward - not sure what to pick

You could get a Rolex then sell it, same with a car as you mentioned.
by tainted-meat
Wed Jan 06, 2016 10:22 am
Forum: Investing - Theory, News & General
Topic: VWO: what a terrible performance!!
Replies: 79
Views: 8171

Re: VWO: what a terrible performance!!

Time to back up the truck on EM stock :moneybag
by tainted-meat
Sat Jan 02, 2016 6:03 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 110
Views: 8748

Re: frustrating to keep investing in international/EM

Buying a well-diversified fund that is under-performing is when you make you're money. With a strong US dollar you get a lot of international stock for your :moneybag
by tainted-meat
Wed Dec 16, 2015 10:23 am
Forum: Investing - Theory, News & General
Topic: the problem of recency
Replies: 6
Views: 999

Re: the problem of recency

Great article Larry, I always enjoy reading your posts and find them very insightful. It applies to me a in a big way. I've been getting hammered the last couple years with International and EM but am staying the course. Investing is for the long term (30 -40 years in my case) not just 5-10 which ca...

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