Search found 65 matches

by rdmayo21
Wed Jun 12, 2013 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: ------
Replies: 10
Views: 876

Re: 24 Year Old - New Job - Which Funds Should I Choose?

First of all, unless it is a typo $1500 as an emergency fund seems way too little. Secondly, in your tax bracket the cost of contributing to a Roth is quite low. Even if your tax bracket at retirement will be even lower (how do you know?) Roths don't have RMD's and that's a big advantage too. The e...
by rdmayo21
Wed Jun 12, 2013 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: ------
Replies: 10
Views: 876

Re: 24 Year Old - New Job - Which Funds Should I Choose?

I realize that I will be phased out of Roth eligibility, but what is the benefit of me contributing to a Roth now or doing a backdoor Roth later on when I have reason to believe my tax rate will be less when I'm retired than right now? Also, my old 401k has noticeably more Vanguard funds than the ne...
by rdmayo21
Wed Jun 12, 2013 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: ------
Replies: 10
Views: 876

Re: 24 Year Old - New Job - Which Funds Should I Choose?

I believe the max you can put in is $17,500/yr, but that may not be realistic given your current salary. When I said my federal tax rate was 15%, I meant that it would be that after maxing out the 401k. Before doing so, it's 25%. Do you plan to keep the old 401(k)? Are you allowed to take partial r...
by rdmayo21
Wed Jun 12, 2013 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: ------
Replies: 10
Views: 876

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by rdmayo21
Thu Apr 04, 2013 8:06 pm
Forum: Personal Consumer Issues
Topic: Health = Wealth
Replies: 9
Views: 2031

Re: Health = Wealth

Perfect Health Diet is by far the best diet book I've ever read. The diet is absolutely delicious and the reasoning for the diet's composition makes a lot of sense.
by rdmayo21
Tue Feb 12, 2013 10:55 am
Forum: Personal Finance (Not Investing)
Topic: How do things look to you young investors these days?
Replies: 87
Views: 9111

Re: How do things look to you young investors these days?

As it is said for smart investors, they all pray for a bear market at the beginning of their investing career.
by rdmayo21
Fri Jan 11, 2013 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Living Abroad After College
Replies: 19
Views: 2211

Re: Living Abroad After College

Thanks everyone for the responses! To update my situation: 1. I have decided to start my adventure immediately after graduation in the spring. I estimate the duration to be around a year, but it's possible that'll change. 2. I will live off of my I-bonds, Roth IRA contributions, and whatever I have ...
by rdmayo21
Tue Nov 13, 2012 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Customer Driven MBA?
Replies: 11
Views: 1381

Re: Customer Driven MBA?

You need to do a cost-benefit analysis on this. What will this degree provide. Is shelling out X number of dollars upfront going to produce a return on this investment? The program is fully-paid, so there's no cost. Here are some of the program features: -Fully-paid tuition, all books, a laptop com...
by rdmayo21
Tue Nov 13, 2012 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Customer Driven MBA?
Replies: 11
Views: 1381

Customer Driven MBA?

I will be graduating from undergraduate in electrical engineering in May. Recently, someone informed me about this opportunity: http://www.memphis.edu/cdmba/. Do you think doing something like this would be a smart decision? I have one year of work experience and live in Tennessee.
by rdmayo21
Fri Aug 24, 2012 1:12 pm
Forum: Personal Consumer Issues
Topic: Power Down in Airplanes
Replies: 36
Views: 6790

Re: Power Down in Airplanes

I once heard a pilot say that cell phones not being allowed on planes is not because of interference, but because it would be a disturbance to others.
by rdmayo21
Mon Jul 23, 2012 11:00 am
Forum: Personal Consumer Issues
Topic: Home teeth Whitening kits?
Replies: 20
Views: 3250

Re: Home teeth Whitening kits?

Have you ever considered brushing with tumeric? : http://www.youtube.com/watch?v=ffYTPtnA1yk

I actually tried this, and I definitely noticed a change after doing it only once.
by rdmayo21
Mon Jun 25, 2012 12:25 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 573
Views: 222705

Re: What is your favorite TV show?

Default User BR wrote:
rdmayo21 wrote:Cowboy Bebop
If I like Cowboy Bebop, then I should check out . . .?


Brian
I'd also recommend Samurai Champloo, which has the same director and a lot of the same voice actors.
by rdmayo21
Wed Jun 20, 2012 1:46 pm
Forum: Personal Consumer Issues
Topic: How many different foods a day do you eat?
Replies: 40
Views: 4612

Re: How many different foods a day do you eat?

Monday; Breakfast: 0 Lunch: 0 Dinner: 0 Tuesday; Breakfast: 0 Lunch: 4 - hb egg, greek yogurt, coconut Larabar, isopure shake Dinner: 5 - 1.25 lbs grass-fed beef, onion, green pepper, 4 cups California Basmati rice, 2 squares dark chocolate (85% cocoa) Today; Breakfast: 0 Lunch: 3 - 2 hb eggs, gree...
by rdmayo21
Wed Jun 20, 2012 1:39 pm
Forum: Personal Consumer Issues
Topic: How many different foods a day do you eat?
Replies: 40
Views: 4612

Re: How many different foods a day do you eat?

Breakfast(6): Beef Roast, butter, fermented cod liver oil, dark chocolate, Brazil nuts, milk kefir Lunch(5): Salmon, gold potatoes, dulse flakes, broccoli, peach Dinner(10): Beef broth, beef liver, eggs, bacon, onions, tomatoes, spinach, kimchi, sweet potato, blueberries Wow! What's your cholestero...
by rdmayo21
Wed Jun 20, 2012 11:59 am
Forum: Personal Consumer Issues
Topic: How many different foods a day do you eat?
Replies: 40
Views: 4612

Re: How many different foods a day do you eat?

Breakfast(6): Beef Roast, butter, fermented cod liver oil, dark chocolate, Brazil nuts, milk kefir
Lunch(5): Salmon, gold potatoes, dulse flakes, broccoli, peach
Dinner(10): Beef broth, beef liver, eggs, bacon, onions, tomatoes, spinach, kimchi, sweet potato, blueberries
by rdmayo21
Mon Jun 18, 2012 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Would you invest in real estate with a family member?
Replies: 35
Views: 3713

Re: Would you invest in real estate with a family member?

No to both. I wouldn't ever invest in real estate even if it was just me.
by rdmayo21
Mon Jun 18, 2012 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with my money? Pay dept or invest? 25/male
Replies: 13
Views: 1986

Re: What to do with my money? Pay dept or invest? 25/male

Can you be more specific about the student loan and cc rates than just saying "fairly low"?
by rdmayo21
Thu Jun 14, 2012 9:41 am
Forum: Personal Consumer Issues
Topic: Ordering steaks online...have you done this?
Replies: 33
Views: 4364

Re: Ordering steaks online...have you done this?

A nice alternative is to find a local farmer who will sell you a quarter of a cow or what have you. I get bison from a local farmer. Just drive out once a year and pick up enough meat for the year. No shipping, and it's kind of a nice experience. You certainly know where your food is coming from an...
by rdmayo21
Thu Jun 14, 2012 9:19 am
Forum: Personal Consumer Issues
Topic: Ordering steaks online...have you done this?
Replies: 33
Views: 4364

Re: Ordering steaks online...have you done this?

I went to their website and clicked on best sellers. The top four were Pet Burgers, Lean Beef Patties, Kerrygold Salted Butter, and Kerrygold Unsalted Butter. Only one of their top seventeen items was a steak; Liverwurst and Ground Bison were both bigger sellers than any steak. I surmise that peopl...
by rdmayo21
Thu Jun 14, 2012 8:54 am
Forum: Personal Consumer Issues
Topic: Ordering steaks online...have you done this?
Replies: 33
Views: 4364

Re: Ordering steaks online...have you done this?

I'm seeing a lot of recommendations for Omaha Steaks. To me, they seem overpriced for what you are getting, not to mention the lowest shipping cost is $15.99. Here's a place I highly recommend: http://www.grasslandbeef.com/StoreFront.bok For about the same price as Omaha, you get beef that is comple...
by rdmayo21
Wed Jun 13, 2012 9:09 am
Forum: Personal Consumer Issues
Topic: Movie night in recommendations
Replies: 269
Views: 25379

Re: What is your favorite movie?

Star Wars (I cannot believe no one has said this)
Dr. Strangelove or: How I Learned to Stop Worrying and Love the Bomb
Raiders of the Lost Ark
No Country for Old Men
Dr. Zhivago
GoldenEye
The Mummy
Predator
Man on Fire
The Bridge on the River Kwai
by rdmayo21
Tue Jun 12, 2012 12:18 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 573
Views: 222705

Re: What is your favorite TV show?

Cowboy Bebop
by rdmayo21
Fri Jun 08, 2012 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: 23 yr old needs some advice from the pros
Replies: 22
Views: 2064

Re: 23 yr old needs some advice from the pros

My suggestions: 1. Forget about taxable, since you can use 401k contributions for your first home purchase (I'm assuming this is your first). 2. For the 401k, put everything into the 500 fund. Edit : I didn't account for penalties when withdrawing from 401k. Therefore, I suggest you keep what you cu...
by rdmayo21
Thu Jun 07, 2012 1:19 pm
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 554
Views: 132344

Re: That Frugal Thing You Do

I purchase grass fed beef by the quarter cow directly from the farmer. You would not believe how much money this saves. I live in a one-bedroom apartment, so the chest freezer's in my bedroom :D
by rdmayo21
Wed Jun 06, 2012 2:52 pm
Forum: Personal Consumer Issues
Topic: New Modem Purchase: DOCSIS 2.0 or 3.0?
Replies: 4
Views: 621

Re: New Modem Purchase: DOCSIS 2.0 or 3.0?

Do the 3.0. I did 2.0 no less than a year ago and am already regretting it. After having internet service for six months, the rates went up. At that point, I could get a higher speed for a cheaper price, but it required 3.0.
by rdmayo21
Wed Jun 06, 2012 2:25 pm
Forum: Investing - Theory, News & General
Topic: I have a confession, I am Bogle-Addicted
Replies: 19
Views: 1678

Re: I have a confession, I am Bogle-Addicted

Go watch some Jack Bogle videos, that will usually calm the mind :D
by rdmayo21
Thu May 31, 2012 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Turning wealth into health
Replies: 101
Views: 9534

Re: Turning wealth into health

IMO, Mark Sisson is the health equivalent of a Boglehead: http://www.marksdailyapple.com//welcome ... z1wTcF76xn
by rdmayo21
Wed May 30, 2012 7:35 pm
Forum: Personal Consumer Issues
Topic: Coffee
Replies: 64
Views: 8906

Re: Coffee

You haven't had real coffee until you've tried this: http://www.bulletproofexec.com/coffee/
by rdmayo21
Tue May 29, 2012 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Down Mortgage or Save Larger Down Payment.
Replies: 14
Views: 3847

Re: Pay Down Mortgage or Save Larger Down Payment.

Yes I know that selling/buying a house will cost money and we've already taken that into account. There are many factors that are in play here causing us to want to look for a different housing situation. She bought the house before we were together and while it's a nice home just doesn't fit what ...
by rdmayo21
Tue May 29, 2012 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Down Mortgage or Save Larger Down Payment.
Replies: 14
Views: 3847

Re: Pay Down Mortgage or Save Larger Down Payment.

May I ask why you are wanting to move? Jumping around a lot will likely cost you more than anything else.
by rdmayo21
Thu May 17, 2012 8:34 pm
Forum: Personal Consumer Issues
Topic: visiting Nashville TN - any advice
Replies: 21
Views: 1900

Re: visiting Nashville TN - any advice

Opryland Hotel is actually really cool to visit :D
by rdmayo21
Mon May 14, 2012 9:38 pm
Forum: Forum Issues and Administration
Topic: How well does this forum read via RSS feed using a Kindle?
Replies: 7
Views: 1711

Re: How well does this forum read via RSS feed using a Kindl

I have a Kindle Touch. I'm not sure about RSS feeds, but I use the experimental web browser to access this site. Works fine for me.
by rdmayo21
Mon May 14, 2012 4:57 pm
Forum: Personal Consumer Issues
Topic: Hair clippers? Any self-barbers out there?
Replies: 42
Views: 7136

Re: Hair clippers? Any self-barbers out there?

Got to go with Wahl.
by rdmayo21
Wed May 09, 2012 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Living Abroad After College
Replies: 19
Views: 2211

Re: Living Abroad After College

Watty wrote:
During so, I would max out my Roth IRA .......
It would be much better max out your deductable IRA and 401K then do Roth conversions while you are on the road and in the zero percent tax bracket.
That's an interesting idea!
by rdmayo21
Wed May 09, 2012 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Living Abroad After College
Replies: 19
Views: 2211

Re: Living Abroad After College

I've indicated my path to life abroad on another thread http://www.bogleheads.org/forum/viewtopic.php?f=11&t=95355 A couple of thoughts on your plan. Depending on the companies matching amount and vesting period, you might considering working long enough to become fully vested instead of working 2-...
by rdmayo21
Tue May 08, 2012 4:55 pm
Forum: Personal Consumer Issues
Topic: What to buy/Not buy at Sams/Costco
Replies: 44
Views: 9449

Re: What to buy/Not buy at Sams/Costco

The only 3 things I buy at Costco:

1. Kerrygold butter ~ 1lb tubs
2. Kirkland Frozen Wild Alaskan Sockeye Salmon - 3lb bags
3. Frozen wild organic blueberries - 3 lb bags
by rdmayo21
Sun May 06, 2012 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: In debt--Need Help --
Replies: 39
Views: 4285

Re: In debt--Need Help --

Step number one: Do not acquire any more debt.
by rdmayo21
Sun May 06, 2012 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Living Abroad After College
Replies: 19
Views: 2211

Re: Living Abroad After College

Thanks, everyone, for the encouraging posts! Join the military or join the foreign service and do it on the Gov't dime. Unfortunately, I think this would limit my flexibility too much. Personally I'm a bit wary of the target retirement funds and feel like it's better to manage that oneself, but perh...
by rdmayo21
Sat May 05, 2012 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 13501

Re: Are 20 something's screwed bc of inflation and little/no

TurtleInvestor wrote:Let's say total expenses of living for that very frugal 25 year old now are $28,200/year.
I wouldn't exactly consider $28,200/year to be very frugal for a 25 year-old.
by rdmayo21
Fri May 04, 2012 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Living Abroad After College
Replies: 19
Views: 2211

Re: Living Abroad After College

livesoft wrote:Why would living abroad delay your retirement plans? I moved overseas after I got my degree and had a very good time.
Mainly because I don't plan on working full time while doing it. Although, I suppose I could increase 401k contributions when I get a job after returning.
by rdmayo21
Fri May 04, 2012 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Living Abroad After College
Replies: 19
Views: 2211

Living Abroad After College

Hello Bogleheads, Although I have posted replies in other threads, this is first time posting a new topic. I was intrigued by the other post about living abroad and thought I would post my own. I'm currently doing an engineering work co-op and will return to school in August. I then plan on graduati...
by rdmayo21
Wed May 02, 2012 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Indecisive Newbie: Rent or Buy a home?
Replies: 39
Views: 3689

Re: Indecisive Newbie: Rent or Buy a home?

Okay for the sake of the discussion, lets say I went the renting route. What do you guys suggest I do with the current savings? My emergency fund should be sufficient @ $10,000, which leaves $30,000+ for investment. I assume the first thing is to max out the ROTH IRA and the 401k? It all depends on...
by rdmayo21
Wed May 02, 2012 2:05 pm
Forum: Investing - Theory, News & General
Topic: Las Vegas and bogleheads
Replies: 5
Views: 790

Re: Las Vegas and bogleheads

Your question is confusing to me. How does stay the course apply to gambling? Play until you're broke?
by rdmayo21
Tue May 01, 2012 4:39 pm
Forum: Investing - Theory, News & General
Topic: what percent of your net worth is in home equity?
Replies: 27
Views: 3079

Re: what percent of your net worth is in home equity?

0%, and I don't see that changing anytime soon.
by rdmayo21
Thu Apr 26, 2012 8:54 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1489849

Re: What Book Are You Currently Reading? Part V

Man's Search for Meaning: An Introduction to Logotherapy by Viktor E. Frankl
by rdmayo21
Mon Apr 23, 2012 2:24 pm
Forum: Personal Consumer Issues
Topic: meditation cd recommendations
Replies: 5
Views: 910

Re: meditation cd recommendations

I'm a fan of the free Body Scan mp3 at http://www.buddhanet.net/audio-meditation.htm
by rdmayo21
Mon Apr 23, 2012 1:56 pm
Forum: Personal Consumer Issues
Topic: How is it possible to save and get out of debt?
Replies: 83
Views: 7005

Re: How is it possible to save and get out of debt?

This is going to sound harsh, but why did you buy a house if your goals were to pay off your current debt, save for the future, and plan for some upcoming liabilities as well (i.e. ring and car)?? I would say the biggest key to success in investing and finance is to have a well thought long term pl...
by rdmayo21
Mon Apr 23, 2012 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on groceries?
Replies: 134
Views: 15395

Re: How much do you spend on groceries?

Although I don't really keep close track of it, I'd say it's probably around $300 for me alone. The majority of that goes towards grass fed meat and wild seafood. Not exactly the typical diet for a college student.
by rdmayo21
Fri Apr 06, 2012 12:56 pm
Forum: Personal Consumer Issues
Topic: [POLL] If you gamble, what do/did you play?
Replies: 42
Views: 2832

Re: [POLL] If you gamble, what do/did you play?

I almost always do video poker. When playing proper strategy with a Deuces Wild or Double Bonus machine that has the proper payout table, the return exceeds 100%. Blackjack has kind of gone downhill IMO. More and more tables are having 6:5 blackjack payout.