Search found 652 matches

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: 44
Views: 3867

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: 262

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: 44
Views: 3537

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: 2575

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: 2327

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: 36
Views: 4675

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: 805

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: 3737

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: 2540

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: 2540

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: 2531

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: 1001

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: 3024

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: 1789

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: 1181

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: 32
Views: 1958

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: 32
Views: 1958

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: 1496

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: 4092

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: 4227

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: 2514

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: 2835

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: 2006

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: 2019

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: 2019

Re: Continue to rent or sell condo

The rate of return seems decent. What's your cost basis?
by tainted-meat
Sat Jan 14, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Stay in paid-off starter house vs. dream house+work a few more years
Replies: 51
Views: 3464

Re: Stay in paid-off starter house vs. dream house+work a few more years

Of course you can afford it. I would buy it if I were you.
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: 20454

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: 3828

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: 1021

Re: thinking in add international, suggestions needed

If you like sector risk then I would choose Vemax.
by tainted-meat
Mon Dec 19, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: Grocery cart rolls into side of car, dent, scratched
Replies: 92
Views: 7247

Re: Grccery cart rolls into side of car, dent, scratched

I don't see how the grocery store would be responsible.

For $120 I wouldn't waste my time.
by tainted-meat
Wed Nov 23, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 172
Views: 15082

Re: How many of you have cut cord?

I just have the rabbit ears and mainly watch KET (Kentucky PBS station). Also renewed my library card and read quite a bit more. Also take more walks and listen to podcasts. You wont miss cable at all.
by tainted-meat
Wed Nov 16, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: House Rental - Current issues and how to market it
Replies: 7
Views: 967

Re: House Rental - Current issues and how to market it

I'd copy her ad to Craigslist and filter to the good renters. Should get plenty of bites that way.
by tainted-meat
Tue Nov 15, 2016 9:33 pm
Forum: Personal Consumer Issues
Topic: Liver
Replies: 43
Views: 5231

Re: Liver

Liver is my favorite part of the chicken. Closely followed by the heart. :D
by tainted-meat
Tue Nov 08, 2016 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Remodeling vs Moving
Replies: 15
Views: 1422

Re: Remodeling vs Moving

Sounds like you have a good lot that an executive would love (privacy, within 15 minutes of work, etc). Having a good lot in a good part of town is very valuable as you have stated. I'd fix it up and move when you want to downsize.
by tainted-meat
Tue Nov 08, 2016 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Keep company truck or get allowance?
Replies: 10
Views: 1160

Re: Keep company truck or get allowance?

nodenuff2 wrote:Given the liberal personal use of the company vehicle continue to use their vehicle not yours. I drove a company vehicle 40 years the personal use is worth 10k minimum a year.


Agreed. I've had one for several years now and I think it's a very valuable benefit/perk of the job.
by tainted-meat
Mon Oct 31, 2016 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Value of a pension? How to compare a job with a pension to an employer without one
Replies: 17
Views: 2059

Re: Value of a pension? How to compare a job with a pension to an employer without one

If you're happy with your job I'd stick with it because that has a lot of value in my opinion. If you aren't digging the teaching thing then I would focus more on the job itself than the money assuming it covers your bills. If you get a job that doesn't pay great but you learn a lot and love it then...
by tainted-meat
Mon Oct 31, 2016 7:39 am
Forum: Investing - Theory, News & General
Topic: How much international?
Replies: 80
Views: 8329

Re: How much international?

I like the market cap approach but am probably closer 50% domestic and 50% international but I don't pay too much attention to it.
by tainted-meat
Fri Oct 28, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting Job to Start a Business
Replies: 51
Views: 4603

Re: Quitting Job to Start a Business

How does that saying go... 'you'll have more regrets about the things you don't do than the things you do'. Don't worry about the outcome, if it fails, whatever. You have a good 'insurance policy' in that your wife works too so if it crashes and burns no big deal. At least you'll have a new perspect...
by tainted-meat
Mon Oct 24, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: I am about to buy my first home, anything I should look out for?
Replies: 40
Views: 3882

Re: I am about to buy my first home, anything I should look out for?

If there is a finished basement make sure there are no hidden leaks or mold. I have a friend who recently bought a home and had that happen.
by tainted-meat
Fri Oct 21, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Very tough career choice part 2 (ego, startup, hedge funds)
Replies: 97
Views: 11134

Re: Very tough career choice part 2 (ego, startup, hedge funds)

No advice really but I can offer some encouragement. It's good to have options and you have three that I can count. Probably even more if you looked for them. Good luck.
by tainted-meat
Fri Oct 21, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: Finishing a Basement
Replies: 13
Views: 1684

Re: Finishing a Basement

The house I bought has a finished basement that the previous owners put in so I can't help you there. I would recommend you think about finishing out the bathroom however. It would be a pain to run upstairs every time someone had to use the bathroom instead of just being able to use the basement one...
by tainted-meat
Wed Oct 12, 2016 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Contribution Limit Question
Replies: 4
Views: 579

HSA Contribution Limit Question

My wife and I are enrolling in our health plans for 2017 and I have a question on contribution limits. We work for two different employers and will be enrolling in two separate health plans. Me through my employer: HSA plan option that covers myself and my child (family) Wife through her employer: H...
by tainted-meat
Sun Oct 09, 2016 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Max out 401k too early?
Replies: 20
Views: 1875

Re: Max out 401k too early?

In that case I would not max out early. I would allocate as evenly as possible throughout the year to take advantage of the full match.
by tainted-meat
Sun Oct 09, 2016 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Max out 401k too early?
Replies: 20
Views: 1875

Re: Max out 401k too early?

If you max out early just make sure your employer will continue to match your contributions throughout the year. Some plans will only match for each pay period you actually contribute. Others will allocate the match regardless of when you contribute in the year. Check your plan wording to be certain.

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