Search found 694 matches

by tainted-meat
Sun Apr 15, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Having Child; Car Purchase maybe?
Replies: 40
Views: 1718

Re: Having Child; Car Purchase maybe?

The more space you have the more useless crap you will buy whether it is a house or a vehicle.

Keep it simple.
by tainted-meat
Sun Apr 15, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Dealing with poorly assigned hotel rooms?
Replies: 41
Views: 3110

Re: Dealing with poorly assigned hotel rooms?

I travel quite a bit for work and there is almost always someone being loud and/or slamming doors in hotels. If someone is being loud I knock on their door and politely ask them to keep it down. It almost always works. In the few cases that someone continues to be loud late into the night, I simply ...
by tainted-meat
Sat Apr 14, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Which fidelity funds?
Replies: 29
Views: 1700

Re: Which fidelity funds?

FFNOX (Fidelity Four-in-One Index Fund) is a great utility option that includes domestic & international stock with a bond allocation. Thank you! This is a balanced fund which contains a bond allocation, not very tax-effient in a taxable account. Wiki article "Tax-efficient fund placement" . If you...
by tainted-meat
Sat Apr 14, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Which fidelity funds?
Replies: 29
Views: 1700

Re: Which fidelity funds?

FFNOX (Fidelity Four-in-One Index Fund) is a great utility option that includes domestic & international stock with a bond allocation.
by tainted-meat
Sun Apr 08, 2018 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Max out 401k or pay off mortgage?
Replies: 18
Views: 956

Re: Max out 401k or pay off mortgage?

Max HSA, Trad 401K, , Roth IRA then save any additional in savings for down payment on new house. Do not pay down mortgage at that interest rate, esp. given the fact you are moving. Remember, inflation risk is real even though the U.S. hasn't seen the effects of it in many years. A 30 yr mortgage is...
by tainted-meat
Tue Apr 03, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Am I Crazy to Consider Relocating 5 Months after Buying a House?
Replies: 28
Views: 3036

Re: Am I Crazy to Consider Relocating 5 Months after Buying a House?

You didn’t mention the extent of your personal ties (family, friends, etc).

Based on the information provided I would go for it and not look back.

Good luck!
by tainted-meat
Wed Mar 28, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Should we save for our son's college?
Replies: 96
Views: 8010

Re: Should we save for our son's college?

Since you're asking, yes you should save for your child's college education if you are making that kind of money. There are many ways to instill good principles without making son finance his own education. Now if you were making 35K, then I would say do the best you can but it's probably not realis...
by tainted-meat
Tue Mar 27, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Grass is always greener, federal edition
Replies: 59
Views: 6442

Re: Grass is always greener, federal edition

Sounds like you have a good situation. Nothing wrong with looking around but I'll tell you that the private sector will most likely not have the work/life balance and security that you have right now.
by tainted-meat
Sat Mar 24, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Your favorite Florida beach??
Replies: 45
Views: 3795

Re: Your favorite Florida beach??

I like St. George Island.
by tainted-meat
Sat Mar 17, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 16417

Re: Bought house six months ago - now feeling like we're treading water and can't save money

Your budget seems fine and I don't see anything too far out of line. See if there is a way to make more money.
by tainted-meat
Fri Mar 09, 2018 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Can I take an 85+% pay cut for fun?
Replies: 80
Views: 9085

Re: Can I take an 85+% pay cut for fun?

You can do it if you manage your spending. I'd probably crank out 2-3 more years then make the jump.
by tainted-meat
Sun Mar 04, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: An HSA Account as an Investment Vehicle
Replies: 21
Views: 1591

Re: An HSA Account as an Investment Vehicle

It is the best tax preferred investment vehicle in my opinion (after getting any 401k matching funds).
by tainted-meat
Wed Feb 28, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Move to Orange County
Replies: 50
Views: 4047

Re: Move to Orange County

There are some fairly affordable parts of Orange County. If you look in the city of Orange the prices aren't too terrible (not sure what the school system looks like). Good luck!
by tainted-meat
Thu Feb 22, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about selling GE to invest in an index fund
Replies: 25
Views: 2843

Re: Thinking about selling GE to invest in an index fund

I would keep GE as my fun stock and let it ride.
by tainted-meat
Mon Feb 05, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371410

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: 1401

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: 24055

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: 1893

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: 2930

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: 8450

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: 9745

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: 4817

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: 7328

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: 7016

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: 8045

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: 5865

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: 6197

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: 2613

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: 2603

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: 4552

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: 8843

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: 1035

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: 10842

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: 1608

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: 591

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: 1660

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: 3937

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: 7888

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: 2820

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: 1686

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: 4890

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: 6435

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: 433

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: 7362

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: 3307

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: 2974

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: 7096

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.