Search found 602 matches

by tainted-meat
Wed Sep 28, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Sorry, but tell [me] what to do with my mortgage
Replies: 38
Views: 2295

Re: Sorry, but tell what to do with my mortgage

I have an interest rate slightly higher than you and I am not paying it down early, nor do I plan to.
by tainted-meat
Fri Sep 23, 2016 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 101
Views: 11694

Re: Net Worth Milestone Today - $1.5M

Man, there are some tough posts in this one. Meg's one of the better posters around here and I believe has had a great real estate portfolio strategy.

Congrats on the accomplishment and remember to have fun along the way. :D
by tainted-meat
Wed Sep 21, 2016 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Free housing vs 30k bonus to purchase home
Replies: 16
Views: 1819

Re: Free housing vs 30k bonus to purchase home

Unless it would be my primary residence I would take the free housing. You don't have to buy, sell or maintain it.
by tainted-meat
Mon Sep 19, 2016 9:20 am
Forum: Investing - Help with Personal Investments
Topic: New fidelity total intern. Index question
Replies: 7
Views: 574

Re: New fidelity total intern. Index question

I'd be more concerned about realizing capital gains if you are switching from a taxable account. I plan to switch my Roth and TIRA holdings later this year or early next once I can meet the minimums.
by tainted-meat
Fri Sep 02, 2016 2:24 pm
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 6642

Re: Frustrated Losing Weight!

If you walk an hour per day, every day, then I'd bet that you'll get in solid physical condition over time.
by tainted-meat
Thu Sep 01, 2016 2:05 pm
Forum: Personal Consumer Issues
Topic: Drowned IPhone
Replies: 28
Views: 2200

Re: Drowned IPhone

I found an iPhone in in a puddle at the park last year. Hard telling how long it had been there but it was definitely soaked. I put it in rice over the weekend and it turned on. Then went and turned it into the Verizon store and they located the owner. Yes it definitely works.
by tainted-meat
Mon Aug 29, 2016 3:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: I think I found Rick Ferri
Replies: 53
Views: 9815

Re: I think I found Rick Ferri

Wow that is cool. I always enjoyed his posts on here and I am happy that he is doing what he loves. I'll be reading his blog from time to time to see how it goes.

All the best to you RF.
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: 107
Views: 8609

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: 5387

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: 1748

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: 4343

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: 1748

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: 1748

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: 5849

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: 9867

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: 1833

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: 3547

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: 3581

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: 2222

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: 4326

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: 3749

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: 3749

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: 7841

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: 6536

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: 2518

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: 2260

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: 1955

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: 3459

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: 8446

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: 2730

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: 2791

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: 4161

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: 5310

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: 9721

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: 3153

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: 557

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: 4907

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: 8
Views: 1351

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: 389

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: 3923

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: 7582

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: 2451

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: 1042

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: 3319

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: 1868

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: 1957

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: 756

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: 4184

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: 16045

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.

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