Search found 679 matches

by tainted-meat
Mon Feb 05, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5599
Views: 1264526

Re: U.S. stocks in freefall

For someone 25-30 yrs from retirement, with <100k in 401k, with plans of maxing out 2 401ks starting later this year, am I crazy in thinking this is a good thing? Not sure if I would say it is a good or bad thing, but just that it is. It's important to continue buying on the ups and on the downs.
by tainted-meat
Sun Jan 28, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Selling home to rent in better area?
Replies: 18
Views: 1363

Re: Selling home to rent in better area?

I'd be careful selling a house in California if I planned to stay there. You could very well get priced out of the market if you rent for a while.
by tainted-meat
Sat Jan 27, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 23676

Re: 401k millionaires

You can retire now and reduce your tax liability :D I am not a financial professional, just a guy who has worked hard and been well paid for many decades. I have been contributing (and investing in a Boglehead fashion) the max to my tax protected space each year since the 80's. After the current mar...
by tainted-meat
Sun Jan 14, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement possible?
Replies: 12
Views: 1818

Re: Early retirement possible?

That pension is valuable, very valuable. I'd work until 55.5 if you can then retire for good - it's only 13 more years.
by tainted-meat
Sat Jan 06, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Is now not a good time to start investing?
Replies: 36
Views: 2853

Re: Is now not a good time to start investing?

It's not as good as yesterday but it's better than tomorrow. Start ASAP and invest for the long-run.
by tainted-meat
Mon Jan 01, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: How can I move back to NYC with such high taxes? (State/City tax, Unincorporated Business Tax)
Replies: 110
Views: 8190

Re: How can I move back to NYC with such high taxes? (State/City tax, Unincorporated Business Tax)

Yes I would do it if NYC was the place I wanted to live.
Plus- Manhattan can open doors that Texas can’t.
by tainted-meat
Mon Jan 01, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Plow Guy Raised Rates
Replies: 112
Views: 9455

Re: Plow Guy Raised Rates

if this is about principle instead of $5, would those "principled" posters here consider finding a new vendor if the snow plow guy dropped his prices $5 this year instead of raising it $5? After all, the guy said the price would remain the same. Would you insist on paying last years rate? Who's kid...
by tainted-meat
Fri Dec 29, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Christmas Bonus: Etiquette
Replies: 32
Views: 4724

Re: Christmas Bonus: Etiquette

I would write a card or say thank you in person, maybe both.

Either way I would acknowledge it with appreciation.
by tainted-meat
Tue Dec 26, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6779

Re: manual car for new teen driver

I had a manual car when I turned 16. Following the rules of the road is more important than a manual or automatic transmission.

I learned to drive one when I was 12.
by tainted-meat
Tue Dec 19, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Dodge Challenger
Replies: 122
Views: 6696

Re: Can I afford it: Dodge Challenger

You can afford it and should buy it if you really want it. Kids are a lot more expensive than that car - and most people do it on far less income (I know from my own experience :happy ). Let us know what you do and if you get it post a picture. The Challenger is my favorite sports car that is still ...
by tainted-meat
Mon Dec 18, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 7660

Re: New job offer - background check

I don't think you have anything to worry about. Seems like a minor offense in the grand scheme of things (given it was 14 years ago and you were 17).
by tainted-meat
Sat Nov 25, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5754

Re: Etiquette question: going out to dinner with friends and how to split the bill

If you’re out with friends best to do what is least awkward

Go with the flow - sometimes you’ll pay more and sometimes less but that is the cost (and benefit) of friendships.
by tainted-meat
Sat Oct 07, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 6140

Re: Roof shingles do not match - Neighbor sent notice

Ignoring an unreasonable request is always an option.

Not every request or demand deserves a response.
by tainted-meat
Sun Oct 01, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee looking to move to Private sector..!
Replies: 34
Views: 2523

Re: Federal Employee looking to move to Private sector..!

I'd stay put. The pension and work life balance for a Fed are darn near impossible to beat.
by tainted-meat
Sat Sep 30, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 22 year old daughter's portfolio?
Replies: 29
Views: 2518

Re: Suggestions for 22 year old daughter's portfolio?

I'd throw it all in VTWIX and let it ride for 15-20 years. At that time I'd look to possibly add some bonds.
by tainted-meat
Mon Sep 18, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Worth buying an excessive priced house?
Replies: 43
Views: 4466

Re: Worth buying an excessive house?

I agree with some of the prior posts regarding kids and a pool.

I would not get a pool with small kids as they can easily fall in and drown (or near-drown which can cause brain damage).
by tainted-meat
Tue Sep 12, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 8596

Re: Best Lower Cost USA Cities to Live

my city - Louisville, KY. mountain bike, walk a river bridge, road bike, pay $5-10 for downtown parking, hike some gnarly knobs, eat some great food from indie chefs all in city limits. if you get bored you can go to Indianapolis (2hrs), Cincinnati/NorKY (1.5hrs), Red River Gorge (2hrs), Nashville (...
by tainted-meat
Sat Aug 19, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Fidelity to Vanguard - consolidating
Replies: 8
Views: 978

Re: Moving from Fidelity to Vanguard - consolidating

The 401k has more protections in some states than an IRA.

I would leave it in the 401k.
by tainted-meat
Thu Aug 03, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Burned out at 28. Do I have enough?
Replies: 62
Views: 10662

Re: Burned out at 28. Do I have enough?

Take a nice vacation then consider options.

It's hard to think clearly and rationally when you are in the mix of things.

Good luck.
by tainted-meat
Mon Jul 24, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Company Vehicle - What would you do?
Replies: 23
Views: 1553

Re: Company Vehicle - What would you do?

I had the same decision as you a few years ago.

I sold my personal car.

I still have my company car.
by tainted-meat
Fri Jul 21, 2017 9:50 am
Forum: Investing - Theory, News & General
Topic: Advise to mass distribute (Dave?)
Replies: 8
Views: 563

Re: Advise to mass distribute (Dave Ramsey?)

Dave is a good guy for getting people out of debt. I don't like his investing advice but I understand why he would push it (outside of getting paid by his ELPs). Many of the people that get themselves in that kind of debt need a bit of hand holding when it comes to finances. With that said I don't f...
by tainted-meat
Fri Jul 21, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Hotel Credit Card
Replies: 19
Views: 1597

Re: Hotel Credit Card

I think the IHG credit card is the best deal going right now. I think it's $49 a year and you get one free night a year which includes Intercontinental and Hotel Indigo with some unavailable dates but pretty good availability. I stay at IHG properties mainly but also some Hilton properties dependin...
by tainted-meat
Mon Jul 17, 2017 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Thinking out loud
Replies: 30
Views: 3900

Re: Thinking out loud

stemikger - I like to take more risk but really that 60/40 at your age and what appears to be your risk profile fits well. Keep in mind that bonds (and US Stocks) have done very well over the last 20 years so I don't think you've missed out on returns either. Another vote to stick with your plan. It...
by tainted-meat
Sat Jul 15, 2017 8:30 pm
Forum: Investing - Theory, News & General
Topic: Is now time to move into international stocks?
Replies: 57
Views: 7743

Re: Is now time to move into international stocks?

RRAAYY3 wrote:things change, and the US is slowly but surely losing it's footing as "the world leader" .

I am very heavily weighted towards international (have been for years) but this statement has nothing to do with investing and is totally false.
by tainted-meat
Mon Jul 10, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: A question about GENTLE excercise.............
Replies: 22
Views: 2792

Re: A question about GENTLE excercise.............

I don't do yoga but if you live in the country then doing something as simple as walking for an hour every day should keep you in very good shape.

Exercise doesn't have to be terribly difficult or uncomfortable to be effective.
by tainted-meat
Thu Jul 06, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Passing through Las Vegas for 1.5 days..hiking
Replies: 19
Views: 1652

Re: Passing through Las Vegas for 1.5 days..hiking

Mount Charleston has great views once you hike to the top. It is also much cooler than Las Vegas due to the height.
by tainted-meat
Fri Jun 30, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Sell Energy Index (VDE) and take loss?
Replies: 51
Views: 4685

Re: Should I Sell Energy Index (VDE) and take loss?

I think you would be selling at a low point if you sold VDE now. I would keep it.
by tainted-meat
Sat Jun 24, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Crazy(?) Adviser Advice: "I don't believe in bonds"
Replies: 49
Views: 6308

Re: Crazy(?) Adviser Advice: "I don't believe in bonds"

Bonds are a waste of money at this time. The yields just aren't worth it.
by tainted-meat
Fri Jun 02, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: HSA required baseline cash balance
Replies: 3
Views: 400

Re: HSA required baseline cash balance

Mine is 2k, which is a good level in my opinion. It provides some liquidity in case of an emergency.
by tainted-meat
Sat May 13, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 71
Views: 7147

Re: How much to tip movers?

I made a small across-town move from an apartment to a house last year. The move took about two hours and ther were 3 movers. They did a great job and I tipped $20 each. This was in Louisville, KY.
by tainted-meat
Sat May 13, 2017 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: 100% Total International (0% US equity) for new investor?
Replies: 36
Views: 3227

Re: 100% Total International (0% US equity) for new investor?

Yes it is a good idea if you can stick to the plan. When the valuations get closer to even then you can start contributing to US markets.

Buy what is cheap. International is cheap.
by tainted-meat
Thu May 04, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Amazon shipment "stuck" at UPS distribution
Replies: 22
Views: 2891

Re: Amazon shipment "stuck" at UPS distribution

That's a lot of phone calls to avoid spending $9.
by tainted-meat
Sat Apr 29, 2017 7:56 pm
Forum: Investing - Theory, News & General
Topic: Fidelity four-in-one index fund lower ER, invest everything in it?
Replies: 40
Views: 6885

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

The increase is peanuts and not worth worrying about in my opinion. When I started investing in the fund a few years ago the ER was .23% so it is still lower than it was then. Anything less than .25% is very good.
by tainted-meat
Fri Apr 28, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Profit sharing bonus, considering options
Replies: 8
Views: 979

Re: Profit sharing bonus, considering options

I'd put it in the taxable account. If someone would loan me 0.9% interest money I would take it and pay it back as slowly as possible.
by tainted-meat
Wed Apr 05, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: How best to handle disrespectful employee?
Replies: 40
Views: 4402

Re: How best to handle disrespectful employee?

Klang is very wise and spot on imo
by tainted-meat
Fri Mar 31, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Massive Student Loan Debt with Mortgage Refi?
Replies: 46
Views: 3215

Re: Pay of Massive Student Loan Debt with Mortgage Refi?

bloom2708 wrote:
tainted-meat wrote:I'd max that 401k to try to reduce AGI as much as possible.
:confused
My goal would be to reduce AGI as much as possible to try to lower the IBR payment amount per month.
by tainted-meat
Fri Mar 31, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Massive Student Loan Debt with Mortgage Refi?
Replies: 46
Views: 3215

Re: Pay of Massive Student Loan Debt with Mortgage Refi?

I'd max that 401k to try to reduce AGI as much as possible.
by tainted-meat
Mon Mar 27, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Help Overcoming a Lead Paint Phobia
Replies: 32
Views: 3054

Re: Help Overcoming a Lead Paint Phobia

I've lived in dwellings that I'm sure had lead paint most of my life.

I'm not (too) crazy. :twisted:
by tainted-meat
Thu Mar 23, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Stay & remodel vs. Move - North Dallas
Replies: 25
Views: 1204

Re: Stay & remodel vs. Move - North Dallas

If you like having your relatives next door to help then I would stay. Especially with 3 kids.
by tainted-meat
Mon Mar 20, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 3743

Re: Relocation to Milwaukee

A Milwaukee winter is probably similar to summer in an inland Central Florida location. One is so cold you don't want to go outside and the other is so hot you don't want to go outside. Personally, I could never live north of Kentucky as I hate the cold. If the cold doesn't bother you then go with t...
by tainted-meat
Sat Mar 18, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: CPA misplaced tax information
Replies: 12
Views: 1983

Re: CPA misplaced tax information

That can happen with any type of shipping, even if you have tracking and insurance.
by tainted-meat
Fri Mar 17, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Paralysis by Analysis
Replies: 12
Views: 1396

Re: Paralysis by Analysis

Excess cash flow.
by tainted-meat
Wed Mar 08, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Obtaining Bachelors in Accounting @ 30
Replies: 40
Views: 3493

Re: Obtaining Bachelors in Accounting @ 30

I wanted to do a separate follow up post to provide another option. If you want to make decent money you may want to get into outside sales. Many jobs provide a decent salary + bonus and you might be able to snag a company car too. Most outside sales jobs just want you to have a bachelor's degree wh...
by tainted-meat
Wed Mar 08, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Obtaining Bachelors in Accounting @ 30
Replies: 40
Views: 3493

Re: Obtaining Bachelors in Accounting @ 30

You may want to check into completing a post-baccalauareate accounting certificate. For folks like yourself that have a bachelor's degree already it may be a short-cut. This may allow you to sit for the CPA exam without getting a whole new degree. Check your state requirements to obtain the CPA desi...
by tainted-meat
Sat Mar 04, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Starting a company for first time at age 50
Replies: 14
Views: 1785

Re: Starting a company for first time at age 50

Being someone who is 30 I can see where someone who is 50 may have a much higher success to start a business. At that age, you've been there, done that and lived to tell the story.
by tainted-meat
Sat Mar 04, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 5193

Re: Giving my lawn the TLC it needs

In my neighborhood the best looking lawns have a lawn service so I decided to go with it starting this year. From what I looked at the diy cost is not much different than a lawn service cost. I still mow my own yard, though. I thought this article was helpful... https://www.quickenloans.com/blog/sho...
by tainted-meat
Wed Feb 22, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiate lowball offer? (new job)
Replies: 47
Views: 4923

Re: Negotiate lowball offer? (new job)

If you're going to ask then bring a business case as to why you are worth what you are asking for.