Search found 1049 matches

by Thegame14
Sun Jul 14, 2019 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 76
Views: 6644

Re: No A/C in Office [not a safe work environment]

tibbitts wrote:
Sun Jul 14, 2019 9:39 pm
MathIsMyWayr wrote:
Sun Jul 14, 2019 8:10 pm
No AC? Miserable, but isn't this the way people used to work before the invention and a wide spread use of AC?
Well yes, but buildings today are not designed to operate without hvac (often no opening windows, etc.)
we are on the 5th floor and windows do NOT open
by Thegame14
Sun Jul 14, 2019 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 76
Views: 6644

Re: No A/C in Office [not a safe work environment]

I've got asthma, and something like that would cause me real problems. And that's a potential ADA violation. Not sure if you or a coworker falls into that category, but if so, this could be a real problem for the company. I used to be a manager, and we took this stuff seriously. Your manager sounds...
by Thegame14
Sat Jul 13, 2019 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 139
Views: 6523

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

It sounds like you like working with your hands and problem solving...so maybe look at another high paying trade like Electrician. Either commercial or residential electrical work can include problem solving, blueprint reading/design, etc and it's a good paying job. If you become an accountant, you...
by Thegame14
Sat Jul 13, 2019 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 139
Views: 6523

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

I have my accounting BA degree, MBA in Finance and my CPA license and I make $101K. It is also a very boroing cyclical job of just close the books, close the quarter, close the year over and over. It is a solid career in the demand is high, but also it is perceived to be a job that should always hav...
by Thegame14
Fri Jul 12, 2019 8:15 am
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 76
Views: 6644

Re: No A/C in Office

Sandtrap wrote:
Fri Jul 12, 2019 8:09 am
Sick leave?
Time off?
Vacation days?
. . . ?
Boss said if you are uncomfortable take a vacation day, but only if you don't have deadlines today, of course I have a major deadline today, so I cannot take off.
by Thegame14
Fri Jul 12, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 76
Views: 6644

No A/C in Office [not a safe work environment]

Work AC broke two days ago, it is 90 degrees outside and probably hotter in the building, since we have no breeze or airflow. The boss refuses to close the office, even thought the other 4 floors every company is not working. Company is small and has no HR, at what point is this not a safe work envi...
by Thegame14
Thu Jul 11, 2019 2:34 pm
Forum: Personal Investments
Topic: Analysis Paralysis: How to Invest Windfall + Extra Cash?
Replies: 6
Views: 877

Re: Analysis Paralysis: How to Invest Windfall + Extra Cash?

Id pay off the highest rate mortgage, and likely also the second highest rate mortgage. Having that much real estate debt would bother me.
by Thegame14
Thu Jul 11, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone inherited a obligation/burden/responsibility?
Replies: 76
Views: 7401

Re: Has anyone inherited a obligation/burden/responsibility?

when my grandmother passed away, my dad and his sister inherited her condo in florida, which apparently there are a lot of and little demand, and we live in NJ so not easy to see what shape it is in. They just kept lowering the price until it eventually sold for like $60K
by Thegame14
Wed Jul 10, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Friend's car caught in flood ?
Replies: 42
Views: 2366

Re: Friend's car caught in flood ?

tim1999 wrote:
Wed Jul 10, 2019 11:35 am
I’m no mechanic, but I suspect if the water truly was at mid-door level, including the engine compartment, this car is history and not worth trying to fix.
+1 especially a car that is over 20/25 years old
by Thegame14
Tue Jul 09, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: buying a suv we dont really need
Replies: 18
Views: 1219

Re: buying a suv we dont really need

and it will cost you insurance and not using a car hurts its value
by Thegame14
Mon Jul 08, 2019 3:43 pm
Forum: Personal Investments
Topic: Should we invest in an island home?
Replies: 25
Views: 4096

Re: Should we invest in an island home?

not if you believe in climate change....
by Thegame14
Mon Jul 08, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Where to sit @ Fenway Park?
Replies: 11
Views: 735

Re: Where to sit @ Fenway Park?

I recently saw a thread asking best place to sit at Wrigley....I'm asking the same since I'll be taking a trip to Boston and taking my teenage son to a Red Sox game on the 16th. This will be our 1st trip to Fenway. Anyone have any recommendations where (or where not) to sit? my budget is less than ...
by Thegame14
Mon Jul 08, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Going to law school question
Replies: 55
Views: 3280

Re: Going to law school question

with the attitude of just want to get it to get it and fast and now and faster is better, I would guess the school wont matter, as the test should be too hard that someone who isn't busting their butt for 4 full years at a good school, wouldn't be able to pass.
by Thegame14
Sun Jul 07, 2019 11:38 pm
Forum: Personal Investments
Topic: Anyone itching to dabble in crypto?
Replies: 46
Views: 2782

Re: Anyone itching to dabble in crypto?

no desire at all, yes I am sure it made some people rich on the way up, but I am not going to get in on the way down....
by Thegame14
Sun Jul 07, 2019 11:23 pm
Forum: Personal Investments
Topic: My asset allocation for an agressive 29 yo - any thoughts?
Replies: 19
Views: 1793

Re: My asset allocation for an agressive 29 yo - any thoughts?

Flyer24 wrote:
Sun Jul 07, 2019 10:54 pm
You don’t need TIPS and 25% REIT is too much.
+1 Agree with this plus you dont need small cap growth as well, you are getting too cute with it.
by Thegame14
Sun Jul 07, 2019 11:22 pm
Forum: Personal Consumer Issues
Topic: How warm to set thermostat while away
Replies: 62
Views: 4555

Re: How warm to set thermostat while away

I'd like to save on my electric bill while I'm away on vacations but live in the hot, high humidity climate. I don't want my house getting musty or worse developing mold. Should I just set the thermostat a degree or two warmer than what I normally keep it at or would I be fine going warmer? ours is...
by Thegame14
Sat Jul 06, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Need Perspectives on Potential Home Buying Decision
Replies: 20
Views: 1173

Re: Need Perspectives on Potential Home Buying Decision

where are you living now? Can and how long can you continue staying there?
by Thegame14
Fri Jul 05, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: my auto insurance went up 100%
Replies: 12
Views: 1695

Re: my auto insurance went up !00%

your only recourse, is first to realize the accident was your fault, accept the blame for it along with the higher insurance bill for having someone else pay to repair the two vehicles out of pocket and not you.... Would you rather your insurance have not gone up, but you paid for both car repairs??...
by Thegame14
Fri Jul 05, 2019 10:14 am
Forum: Personal Investments
Topic: Request for Portfolio Review - Am I still on the right track?
Replies: 5
Views: 443

Re: Request for Portfolio Review - Am I still on the right track?

two items from me, one if you plan on retiring 50ish, you need to shave at least 10 years off that mortgage, as currently you wont pay it off until 60, second, you are missing, that you already invest in real estate in your house, so no need for a REIT fund, and definitely no thoughts of crypto if y...
by Thegame14
Fri Jul 05, 2019 9:49 am
Forum: Personal Investments
Topic: Alternatives to CD laddering as rates decrease
Replies: 22
Views: 2716

Re: Alternatives to CD laddering as rates decrease

now with today's job report they are saying now no rate cuts, so who knows.....
by Thegame14
Fri Jul 05, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Home Price as a % of Net Worth
Replies: 20
Views: 1678

Re: Home Price as a % of Net Worth

most people calculate home affordability as a percentage of income, I am not sure it makes sense to use net worth. What if all of your $400,000 is in cash, then you can buy a $800,000 house and put 50% down, or what if none of it is cash, and all tax deferred, then an $800,000 is out of reach.
by Thegame14
Tue Jul 02, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Question of integrity
Replies: 34
Views: 3113

Re: Question of integrity

I don't think it is an integrity issue, you didn't take the job knowing you were going to have another opportunity come in. And it doesn't even sound like you have an offer in hand, so I would first get the offer in hand before worrying about integrity or ethics. Also if you died tomorrow how long w...
by Thegame14
Tue Jul 02, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much should I have saved for retirement by age 40?
Replies: 111
Views: 17533

Re: How much should I have saved for retirement by age 40?

Grt2bOutdoors wrote:
Sat Jun 29, 2019 11:45 am
$300k at age 40. $750k at age 50. $1.5 million at age 60.
This is what I am shooting for, have about $300K, I am 39 DW is 37, putting away about $30K in 401K per year. Hoping to have closer to $2M at 60, with house paid off.
by Thegame14
Tue Jul 02, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: ShouldI/When to refinance mortgage
Replies: 4
Views: 336

Re: ShouldI/When to refinance mortgage

Didn't know that they had 20 year loan, thought it was 30 or 15 years, thanks good to know. I will have to call B of A and ask.
by Thegame14
Tue Jul 02, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Buy new home before putting current home on the market?
Replies: 25
Views: 1521

Re: Buy new home before putting current home on the market?

I wouldn't do anything without wife fully on board, and that includes the stuff and what to do with it.
by Thegame14
Tue Jul 02, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: ShouldI/When to refinance mortgage
Replies: 4
Views: 336

ShouldI/When to refinance mortgage

we are about 8 years into a 30 year fixed mortgage, at 4.25%, I saw another poster saying they can get 3.875%, we also have a HELOC variable around 4.99%. We owe about $270K on mortgage and about 30K on HELOC. When would it make sense to refinance and also in the process I assume wiping out the HELO...
by Thegame14
Mon Jul 01, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Nightmare after wife's surgery
Replies: 84
Views: 7287

Re: Healthcare Nightmare after wife's surgery

if it is that BIG of a surgery, wouldn't you end up hitting your yearly out of pocket max either way, so then it doenst matter which bills you pay, once you hit the out of pocket max you are done. Also agree this doesn't sounds like a nightmare, sounds pretty normal.
by Thegame14
Mon Jul 01, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Would we regret buying a 2nd home?
Replies: 90
Views: 7920

Re: Would we regret buying a 2nd home?

my parent are late 60's have permanent home in NJ worth around $650K, vacation house in cape cod worth about $600, and recently purchased vacation home in jersey shore, worth about $300K. since buying the shore house, they have spent less time going the farther vacation house in cape cod, and the 4....
by Thegame14
Mon Jul 01, 2019 1:47 pm
Forum: Personal Investments
Topic: Questions before posting first porfolio review
Replies: 2
Views: 186

Re: Questions before posting first porfolio review

I don't think listing the stocks is necessary since the overall philosophy is to not own individual stocks.

Yes there will be a tax consequence of selling these stocks, you will hopefully have long term gains
by Thegame14
Mon Jul 01, 2019 1:19 pm
Forum: Personal Investments
Topic: 3 fund CEF portfolio yeilds 8%???
Replies: 5
Views: 464

3 fund CEF portfolio yeilds 8%???

https://finance.yahoo.com/news/3-autopi ... 00388.html

This person claims you can invest in 3 CEF portfolio and dividends alone are 8%. Thoughts?
by Thegame14
Mon Jul 01, 2019 8:56 am
Forum: Personal Investments
Topic: Invest Down Payment Short Term
Replies: 6
Views: 343

Re: Invest Down Payment Short Term

money market accounts are around 2-2.5%, that is the only safe place for such a short time period.
by Thegame14
Wed Jun 26, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody else unable to afford a home/have six figure income?
Replies: 60
Views: 7173

Re: Anybody else unable to afford a home/have six figure income?

I make 101K, but was able to buy a house, because I stayed home with parents until I was almost 30 and saved over $100K to put down for a house. Was it the easiest most comfortable thing to do, no, but that was what I did. DW stayed home and put all her extra money to savings and paying off student ...
by Thegame14
Wed Jun 26, 2019 3:51 pm
Forum: Personal Investments
Topic: Company paying our Pension/ Retirement
Replies: 26
Views: 1938

Re: Company paying our Pension/ Retirement

I would be careful with check made out to you, that sounds like a distribution and you will owe the taxes all at once, I would want a Direct rollover into an IRA
by Thegame14
Tue Jun 25, 2019 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Considering adding second level to house [Bay Area]
Replies: 37
Views: 2684

Re: Considering adding second level to house [Bay Area]

Goal33 wrote:
Tue Jun 25, 2019 11:39 pm
It can be a good idea for rental income but you need to work on your definition of free...

That's like saying I can buy a 1 million dollar house but because it's worth 1 million dollars, it's free.
+1
by Thegame14
Tue Jun 25, 2019 2:49 pm
Forum: Personal Investments
Topic: Could I be financially independent in 4-5 years?
Replies: 28
Views: 5119

Re: Could I be financially independent in 4-5 years?

I think the answer is no, if you save 30 times expenses and then want to retire at 40, first expenses go up since you will have to pay for medical insurance, so then you don't have 30 times expenses, but even if you did, retiring at 40 with 30 times expenses, then you are hoping the market will be k...
by Thegame14
Tue Jun 25, 2019 2:18 pm
Forum: Personal Investments
Topic: Retired: Don't want to outlive my funds
Replies: 62
Views: 6585

Re: Retired: Don't want to outlive my funds

You can take the $1M, get an SPIA, and prob get 40-50K a year easily from it, and have no worries.
by Thegame14
Tue Jun 25, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Lease vs Buying a Car
Replies: 84
Views: 5705

Re: Lease vs Buying a Car

I would always buy, less restrictions, and also I wouldn't buy brand new, Id get CPO, put 20% down in cash, and then pay off 3 or 5 years depending on interest rate.
by Thegame14
Tue Jun 25, 2019 10:16 am
Forum: Personal Investments
Topic: Worried about the future/not saving enough
Replies: 39
Views: 5175

Re: Worried about the future/not saving enough

the leak in the budget is the car payment of $650, but you said you know that this would be brought up. That is what a $50K car? What does it do that a pre-owned car for $15-20K wouldn't do? IF you have that monthly or a lower monthly bill, you could use the difference to pay down those loans faster...
by Thegame14
Tue Jun 25, 2019 9:42 am
Forum: Personal Investments
Topic: Personal Finance Guidance / Questions
Replies: 10
Views: 1196

Re: Personal Finance Guidance / Questions

I think you are doing very well. I think you should keep doing what you are doing, but max out 401K at $19 and also max rIRA , then the rest if anything is left goes to pay off student loans. I think the biggest issue will be what happens after those four years are up. Where will you life? how much ...
by Thegame14
Mon Jun 24, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Best place to buy Pistachio and Salmon?
Replies: 16
Views: 1480

Re: Best place to buy Pistachio and Salmon?

once or twice a year, one of them being before Christmas, Christmas Tree Shops sells the pistacios that are regularly $8.99-9.99 for $3.99 I think limit is 10 and every year I buy 10. They are the name brand ones too. Even $9.99 sounds like a great price if these are shelled Pistachios, because the...
by Thegame14
Mon Jun 24, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: Best place to buy Pistachio and Salmon?
Replies: 16
Views: 1480

Re: Best place to buy Pistachio and Salmon?

once or twice a year, one of them being before Christmas, Christmas Tree Shops sells the pistacios that are regularly $8.99-9.99 for $3.99 I think limit is 10 and every year I buy 10. They are the name brand ones too.
by Thegame14
Mon Jun 24, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 106
Views: 8929

Re: Frugal or cheap?

Id wait and keep saving which you are doing a incredible job by the way, then wait for kids to arrive, and see what needs arise, and then buy a new house. You could spend the $100K now and then realize after kids, what you "needed" was a want, and now what you "need" you don't have..
by Thegame14
Mon Jun 24, 2019 12:57 pm
Forum: Personal Investments
Topic: Stashing cash for a home purchase in 10 years
Replies: 15
Views: 1407

Re: Stashing cash for a home purchase in 10 years

Id prob do Cd's, and ID prob lock in 5 years since Fed is talking about lowering rates for the next year or two, then I would wait for this supposed correction, and then adjust to 50% cd's, with lesser maturity dates as you approach needing the money, and the rest in a target date fund for the year ...
by Thegame14
Sat Jun 22, 2019 11:36 pm
Forum: Personal Investments
Topic: Scared about investing large amount of money
Replies: 24
Views: 2529

Re: Scared about investing large amount of money

Id park that 300K in money market and take the 2.5% right now, and wait it out, if the supposed recession happens and stocks go down 20-30% then you can use this "found money" to jump in, also if the supposed recession that is bound to happen doesnt happen, that you are still good since you max out ...
by Thegame14
Sat Jun 22, 2019 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Wife considering returning to work
Replies: 40
Views: 4659

Re: Wife considering returning to work

I think it makes sense, but only if you dont get used to the new money and increase your spending. Also wife can take advantage of haing the baby, taking disability at 60% of pay for 3 months, then vacation time, so that could be antoher 3-5 moinths of pay even though she wouldnt be actually working.
by Thegame14
Wed Jun 19, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: When is it worth complaining about work done at your home
Replies: 9
Views: 1362

Re: When is it worth complaining about work done at your home

Id call the company, let them know what happened and see their reply. If they fix it great, if not bad review on yelp
by Thegame14
Mon Jun 17, 2019 11:00 pm
Forum: Investing - Theory, News & General
Topic: A thought on mortgage payoff vs investing
Replies: 27
Views: 3065

Re: A thought on mortgage payoff vs investing

everyone has different risk tolerances and debt tolerances, so while some advice may be best overall, it applies to each of us differently and our situations differently. You have to do what is best for you, and your situation.
by Thegame14
Mon Jun 17, 2019 10:53 pm
Forum: Personal Investments
Topic: Investment question for 76 year old mom
Replies: 19
Views: 1382

Re: Investment question for 76 year old mom

if she has almost 1M in savings, and needs about 20K in income, she should park that 1M in savings into a money market, most are around 2.25-2.5% which is around 22-25K in income and basically no risk, so that seems like the best option for if she is very risk averse, other wise 50/50 stocks bonds a...
by Thegame14
Mon Jun 17, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6476

Re: How to avoid high vet bills?

that isn't just a wellness visit, the vet did two tests, that is perfectly reasonable cost for a vet visit with two tests done.
by Thegame14
Mon Jun 17, 2019 11:01 am
Forum: Personal Investments
Topic: Advice for young married couples: PLEASE HELP!
Replies: 49
Views: 4071

Re: Advice for young married couples: PLEASE HELP!

Hi, OP. I am interested in what you think about shared financial decision making. In particular, what happens if one spouse wants to make a financial purchase, but it is opposed by the other spouse? Let's say I want to buy a new car and believe it is necessary. However, wife thinks I do not need to...