Search found 752 matches

by tainted-meat
Wed Jul 10, 2019 9:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1279
Views: 119911

Re: S&P 500 hit 3,000 today

The best leverage in a negotiation (re: trade negotiation) is a stock market & economy that is firing on all cylinders. It's a great move to cut interest rates to keep the investments flowing.
by tainted-meat
Sat Jul 06, 2019 7:30 pm
Forum: Investing - Theory, News & General
Topic: No More Posts Of Larry Swedroe Essays
Replies: 65
Views: 5350

Re: No More Posts Of Larry Swedroe Essays

I'm a big fan of Larry's posts. I hope the moderators will reconsider.

To the ones who complained about Larry - :thumbsdown
by tainted-meat
Fri Jul 05, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: Buying a suit
Replies: 35
Views: 1940

Re: Buying a suit

I'm at that point in life when the suit I bought after graduating college is now 20+ years old, and having a suit for the occasional wedding/company party/interview/funeral (more the latter, unfortunately) is probably not a bad idea. But I'm not even sure where to start - my previous suit was Jos A...
by tainted-meat
Wed Jul 03, 2019 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Hire a driver?
Replies: 63
Views: 3382

Re: Hire a driver?

I have been commuting to my job for 14 years. If you have back to back night shifts then I would highly suggest just getting a nice hotel room for the day. Get a good business card, rack up the points, and earn free rooms/upgrades. By the time you get home and try to get 8 hours of rest, you will o...
by tainted-meat
Fri Jun 28, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: roofing nails
Replies: 20
Views: 1028

Re: roofing nails

Back when I did roofing as summer jobs, best practices were as follows: Lay a perimeter of tarp around the house to collect falling debris (shingles, nails, etc) Lay plywood boards against the house to protect against scuff marks from falling debris. Run hand through gutters and clear them from debr...
by tainted-meat
Thu Jun 27, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Suggestions regarding towns/cities to retire (in 48 states)
Replies: 17
Views: 2226

Re: Suggestions regarding towns/cities to retire (in 48 states)

That's easy, my town, Louisville, KY. My criteria/wants are: (1) A city/town that's close to nature (hiking, mountains, rivers, lakes, etc.). I'm not a big beach person, so proximity to an ocean is not a priority. Hike and mountain bike in city limits? Yes, we have plenty of that. Frederick Law Olms...
by tainted-meat
Wed Jun 26, 2019 9:58 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says to give up employer 401K match to pay down debt
Replies: 148
Views: 8144

Re: Dave Ramsey now says to give up employer 401K match to pay down debt

Overall - Ramsey has very good advice. It's important to remember that some of the people that call into his show are so chronically debt ridden that sometimes he oversimplifies his advice.
by tainted-meat
Tue Jun 18, 2019 5:19 pm
Forum: Investing - Theory, News & General
Topic: FZROX vs. VTSAX question
Replies: 3
Views: 408

Re: FZROX vs. VTSAX question

I find it easiest to look at it like two identical pies.

In this case:

Pie 1 is cut into 10,000 pieces (or shares)
Pie 2 is cut into 1,400 pieces (or shares)

The size of the pie is the same, one is just cut into more pieces.
by tainted-meat
Tue Jun 11, 2019 8:08 pm
Forum: Personal Consumer Issues
Topic: Recommend an American medium size car
Replies: 32
Views: 2372

Re: Recommend an American medium size car

There are deals to be had on new Chevy Malibu’s. Slick looking car for the money in my opinion.
by tainted-meat
Fri May 17, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3171

Re: Synthetic oil or not for very low mileage auto?

Full Synthetic > Synthetic Blend > Conventional Oil
by tainted-meat
Tue May 14, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Fair price for new Subaru Outback?
Replies: 20
Views: 1824

Re: Fair price for new Subaru Outback?

Looks like a good price to me. Those are popular cars so I'm surprised you got that much of a discount.
by tainted-meat
Tue May 14, 2019 10:56 am
Forum: Personal Investments
Topic: Email to my Edward Jones Rep
Replies: 46
Views: 4308

Re: Email to my Edward Jones Rep

The proposed email would confuse your EJ rep into thinking he has a chance at managing your assets especially when you mention the dollar range. If you plan to use your EJ rep, then try to negotiate fees. If you don't plan to use EJ, send your assets elsewhere and be direct in your communication tha...
by tainted-meat
Tue May 07, 2019 7:41 pm
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 73
Views: 6470

Re: Lawn care schedule

I have a lawn service do the fertilizing. I mow and leave the clippings. If they clump I take my blower out and spread them around. In the fall, I spread leaves in grass and run my mower over them. I spot spray for weeds. Had a nasty violet problem last year but my hard work in the late summer/fall ...
by tainted-meat
Fri Apr 19, 2019 4:21 pm
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 98
Views: 9496

Re: Thinking about selling stocks near all time highs

You should sell. It always works out when you sell at market highs.
by tainted-meat
Fri Apr 19, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: 2016 Toyota Sienna all weather mats
Replies: 12
Views: 709

Re: 2016 Toyota Sienna all weather mats

These are a good deal, just need to trim to fit.

https://www.costco.com/WeatherTech-4-pi ... 23068.html
by tainted-meat
Fri Apr 12, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 127
Views: 6393

Re: Soon to be dad, how to prepare

Might be a little off-topic, but work on getting your child water-safe as quickly as possible. One of the leading causes of death of 1-4 year old children is drowning. Never leave a kid in the bath by themselves, etc. In our area, we have a Bear Paddle location that gives lessons. May be same and/or...
by tainted-meat
Fri Apr 05, 2019 7:00 pm
Forum: Personal Consumer Issues
Topic: Definite roof leak - roof inspector or roofing company?
Replies: 16
Views: 1298

Re: Definite roof leak - roof inspector or roofing company?

Anything as simple as an exposed nail-head can cause a leak. A lot of times the heat and ice can push the roofing nails up through the shingles and you have to hammer them back down and put some silicone over the top. Depending on the height, you may get up and take a look at it. Might check the dri...
by tainted-meat
Sun Mar 17, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Am I being cheap? Wife wants a minivan, but I want to hold off
Replies: 170
Views: 7872

Re: Am I being cheap? Wife wants a minivan, but I want to hold off

nolesrule wrote:
Sun Mar 17, 2019 9:21 am
An Odyssey is overkill if you only have 2 kids.
I agree with this post. I also think all the safety arguments are overblown. The safest cars are driven by people who pay attention to the road, don’t speed, and don’t tailgate.
by tainted-meat
Sat Mar 16, 2019 10:16 pm
Forum: Personal Consumer Issues
Topic: Age for starting kindergarten
Replies: 61
Views: 3758

Re: Age for starting kindergarten

I was held back because I was small when I was young.

I wish I hadn’t been held back - frankly got bored my last couple years of high school and was ready to move on. As an example I took no schoolwork home my JR and SR years. It was a waste of time.

Please don’t hold the kid back.
by tainted-meat
Tue Mar 12, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 73
Views: 6470

Re: Lawn care schedule

As mentioned Scott's has a program you can follow. I use a lawn service myself, then spot spray violets which are aggressive in my neighborhood. If you follow the Scott's program make sure you follow the crabgrass application closely. There is a window of time in the Spring that you need to apply it...
by tainted-meat
Tue Mar 05, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Wife got company car. Should we sell 2 year old car?
Replies: 36
Views: 3068

Re: Wife got company car. Should we sell 2 year old car?

If she’s only planning on being there a year or two it is debatable. I sold mine when I got a company car almost a decade ago - it’s one of my favorite perks of the job. Drive a new car every couple years? Yes please.

She might find out how great of a perk it is and stay!
by tainted-meat
Wed Feb 27, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Things to do in Indiana
Replies: 64
Views: 4395

Re: Things to do in Indiana

Lincoln Boyhood home in Lincoln City, IN (Southern, IN) & Holiday World, Santa Claus, IN.

Others have mentioned French Lick and West Baden, IN - only 45 minutes away from these two spots.

All good options.
by tainted-meat
Sat Feb 23, 2019 4:58 pm
Forum: Personal Investments
Topic: GE Wabco Merger
Replies: 29
Views: 4661

Re: GE Wabco Merger

I’d keep it for fun money and see if it can make a rebound.
by tainted-meat
Tue Feb 12, 2019 8:23 pm
Forum: Personal Investments
Topic: Good time to invest in emerging markets?
Replies: 22
Views: 3096

Re: Good time to invest in emerging markets?

I’ve been piling in for years. Hopefully this is the year. If not, oh well!
by tainted-meat
Sun Feb 10, 2019 7:07 am
Forum: Personal Consumer Issues
Topic: HVAC contractor did the work, still no bill
Replies: 5
Views: 1210

Re: HVAC contractor did the work, still no bill

The local trades companies where I am (HVAC, plumbing, etc) all ask for payment on the spot after finishing the work.

I would call again and ask for a bill, or if they are local just stop in and let them know I’d like to settle up what I owe. They’ll probably be happy to see you.
by tainted-meat
Thu Jan 17, 2019 9:30 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 51996

Re: John Bogle has died at age 89

RIP Jack Bogle. You are a man who has truly made a difference.
by tainted-meat
Thu Dec 27, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Ticket for speeding
Replies: 66
Views: 5629

Re: Ticket for speeding

I would use a lawyer. Whatever fee you pay them (a few hundred bucks?) is well worth the chance of not getting that on your record. Keep in mind many prospective employers check your driving record as part of a background check.
by tainted-meat
Sat Dec 22, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 15070

Re: All the "should I be 100% stocks" threads over the last year.

This thread is about as predicable in a down market as the 100% stock threads are in an up market. :thumbsdown
by tainted-meat
Sat Dec 15, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: How much do you pay for internet only?
Replies: 79
Views: 5376

Re: How much do you pay for internet only?

$14.99 through TWC now Spectrum. I think the speed is DSL.
by tainted-meat
Tue Nov 27, 2018 9:21 am
Forum: Investing - Theory, News & General
Topic: Does 100% stocks make sense for very high net worth individuals
Replies: 126
Views: 13243

Re: Does 100% stocks make sense for very high net worth individuals

Yes, and I also think it makes sense for people who start investing aggressively right out of school and have a long investment horizon (ages 18-30).
by tainted-meat
Sat Nov 24, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating offer when you gave a number early in the interview
Replies: 23
Views: 2704

Re: Negotiating offer when you gave a number early in the interview

There is some over-thinking going on here. The reason they ask your salary goals on the front-end is to see if you fall within the pay-band for this role. Recruiters aren't going to go through a long interview process only to find out you are $30K+ above the pay band for this role. Don't overthink i...
by tainted-meat
Wed Nov 07, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: New job concerns
Replies: 52
Views: 5640

Re: New job concerns

The great thing is that you have the job market working in your favor. If you are unhappy or feel you were misled you can look for other opportunities.

You also have the higher salary to negotiate with.
by tainted-meat
Sat Nov 03, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: WSJ: Sometimes, It’s Bonds For the Long Run
Replies: 72
Views: 6539

Re: WSJ: Sometimes, It’s Bonds For the Long Run

This article only convinced me that stocks are better for the long run, assuming you don’t capitulate.
by tainted-meat
Fri Nov 02, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Rewards - Do you move the cash out of Fido?
Replies: 48
Views: 4005

Re: Fidelity Visa Rewards - Do you move the cash out of Fido?

I buy Mutual Funds at Fidelity. The credit card is the reason I have accounts there. I guess the marketing worked.
by tainted-meat
Thu Nov 01, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 11678

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

If he or she gets an apartment in Manhattan for $4k/month, rent is only 36% of net income. Oh, I thought we were comparing apples to apples. There's no such thing as apples to apples. There is nowhere in Kansas with the nightlife, concerts, professional sports teams, restaurants, art, and museums t...
by tainted-meat
Thu Nov 01, 2018 2:42 pm
Forum: Personal Investments
Topic: Potential TLH Mistake
Replies: 11
Views: 1060

Re: Potential TLH Mistake

I called Fidelity and they gave me a good run-down. The Actual Cost Basis will only apply to future purchases. Since I only changed basis on Friday, the basis must stay average. I had TLH'd using this fund in the past. When was your most recent past TLH? It was in 2015 with the same fund. Apparentl...
by tainted-meat
Thu Nov 01, 2018 1:09 pm
Forum: Personal Investments
Topic: Potential TLH Mistake
Replies: 11
Views: 1060

Re: Potential TLH Mistake

I called Fidelity and they gave me a good run-down.

The Actual Cost Basis will only apply to future purchases. Since I only changed basis on Friday, the basis must stay average. I had TLH'd using this fund in the past.
by tainted-meat
Thu Nov 01, 2018 10:42 am
Forum: Personal Investments
Topic: Potential TLH Mistake
Replies: 11
Views: 1060

Potential TLH Mistake

Hello Fellow Bogleheads, I call on your collective wisdom for help with a TLH that I attempted earlier this week. I was previously utilizing average cost basis, but switched to SPEC ID last week so that I could harvest some of my recent purchases of FSGDX that were showing losses. I sold these to pu...
by tainted-meat
Mon Oct 22, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?
Replies: 34
Views: 2446

Re: Need Advise: Offer from new job shoulf my wife tell them she is pregnant?

If they didn’t ask, I wouldn’t tell.

If they did ask, they shouldn’t have.
by tainted-meat
Sun Oct 14, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Pension plan choice of annuity or cash payout
Replies: 27
Views: 2910

Re: Pension plan choice of annuity or cash payout

Thank you for all your information. If I choose the deferred annuity my company will purchase an annuity from a yet to be determined insurance company. The company will not know who will purchase it until everyone in the plan has made their decision. Thus we will not know which insurance company wil...
by tainted-meat
Sat Sep 29, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Pension plan choice of annuity or cash payout
Replies: 27
Views: 2910

Re: Pension plan choice of annuity or cash payout

Thanks for your response. It can be rolled into an IRA.
by tainted-meat
Sat Sep 29, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Pension plan choice of annuity or cash payout
Replies: 27
Views: 2910

Pension plan choice of annuity or cash payout

Sufficient emergency funds No Debt Tax Filing Status: Married Filing Jointly Tax Rate: 12% Federal, 3.4% State State of Residence: Indiana Age: 63 her 65 him Questions 1. My company(her) is closing its pension plan and giving the option of a cash buyout of $285,000 or $1700. per month for life with ...
by tainted-meat
Mon Aug 13, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Housing affordability - what is your take?
Replies: 74
Views: 8101

Re: Housing affordability - what is your take?

thanks. I've considered moving to Texas or Georgia but my salary would drop and i'm not sure if I should do it just to get into a home. I've been asking myself if owning a home is even important in my case. I am single, no kids, 44 years old and don't intend to get married or have kids. So here is ...
by tainted-meat
Fri Aug 10, 2018 5:59 am
Forum: Personal Investments
Topic: Rent home with high equity or sell
Replies: 11
Views: 1338

Re: Rent home with high equity or sell

You will have a lower property tax base than a recent buyer if you keep the property. You may check to see if that is worth passing up the capital gains exclusion.
by tainted-meat
Sat Aug 04, 2018 6:44 am
Forum: Personal Investments
Topic: Seeking Advice with Taxable Account
Replies: 3
Views: 518

Re: Seeking Advice with Taxable Account

Suggest using a Total Stock Market and/or Total International Index fund as both are relatively tax efficient.

Rebalance in tax deferred vehicles to maintain AA and not generate capital gains.

Read about tax loss harvesting when you have time.
by tainted-meat
Fri Aug 03, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 807
Views: 87598

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Definitely some interesting news. That said we have 8 pages of splitting hairs, as expense ratios are already rock bottom among most of the major players.
by tainted-meat
Mon Jun 18, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off mortgage in my situation?
Replies: 31
Views: 3044

Re: Would you pay off mortgage in my situation?

If your choices are restricted to buying CDs or paying off the mortgage, then I would pay off the mortgage at current interest rates.

I would give myself more options and utilize the taxable account for a Total International Stock Market Index at current valuations.
by tainted-meat
Wed May 30, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 5336

Re: My mind exploded

She just graduated High School, which is probably one of the biggest accomplishments of her young life.

Let her enjoy a splurge.
by tainted-meat
Sun May 27, 2018 10:15 am
Forum: Personal Investments
Topic: Do I pay towards my mortgage or invest?
Replies: 45
Views: 5411

Re: Do I pay towards my mortgage or invest?

Financially, chances are you will come ahead by investing for the long-term than paying off that mortgage early.

Debt is a tool, and if used properly can help make you wealthy.
by tainted-meat
Sat May 26, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 3550

Re: Near commercial level treadmill

Running outside is free and more fun.

Treadmills are boring.