Search found 668 matches

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: 5254

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: 5933

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: 2419

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: 2325

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: 4211

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: 8144

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: 910

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: 10316

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: 1457

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: 520

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: 1499

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: 3770

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: 7375

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: 2703

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: 1521

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: 4253

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: 5983

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: 349

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: 6652

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: 3116

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: 2726

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: 6452

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: 938

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: 4225

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: 3080

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: 3080

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: 2952

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: 1154

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: 3564

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: 1935

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: 1342

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: 3354

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: 3354

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: 1693

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: 4990

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/shoul ... ilize-lawn
by tainted-meat
Wed Feb 22, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiate lowball offer? (new job)
Replies: 47
Views: 4642

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.
by tainted-meat
Wed Feb 22, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Real estate vs debt payments
Replies: 34
Views: 2948

Re: Real estate vs debt payments

With that kind if income you can afford to do what you want 8-)
by tainted-meat
Mon Feb 20, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 25
Views: 3109

Re: Re-applying for same job?

I think you made the right move. Nothing to lose..
by tainted-meat
Sun Feb 05, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Stock gifted to me as a kid. Sell or hold?
Replies: 21
Views: 2274

Re: Stock gifted to me as a kid. Sell or hold?

I would keep or gift to charity. Take the dividends as cash.
by tainted-meat
Tue Jan 24, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Continue to rent or sell condo
Replies: 21
Views: 2146

Re: Continue to rent or sell condo

Basis is $225-230K. I'm also keeping in the back of my mind that the water heater is 10 years old ($1K to replace) and the outside A/C condenser is 14-15 years old ($3K to replace). I'm leaning toward selling to simplify. Would probably add liquid savings to the sales proceeds to payoff current mor...
by tainted-meat
Tue Jan 24, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Continue to rent or sell condo
Replies: 21
Views: 2146

Re: Continue to rent or sell condo

The rate of return seems decent. What's your cost basis?
by tainted-meat
Tue Jan 10, 2017 11:10 am
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 22196

Re: Sad News About a Respected Forum Member

Thank you for sharing your knowledge. It is up to us to continue to pay it forward.
by tainted-meat
Sat Jan 07, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Bedroom is colder than rest of house. Radiator heating question.
Replies: 70
Views: 4510

Re: Bedroom is colder than rest of house. Radiator heating question.

mhalley wrote:I solved my cold bedroom problem with a portable electric heater.


I do the same with eden pure type heaters. I have a two story with a basement. One goes in the basement and one on the second floor where the bedrooms are. Works great in winter months.
by tainted-meat
Fri Dec 30, 2016 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: thinking in add international, suggestions needed
Replies: 15
Views: 1197

Re: thinking in add international, suggestions needed

If you like sector risk then I would choose Vemax.