Search found 218 matches

by slayed
Wed Jan 10, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 37
Views: 4474

Re: Early Retirement Incentive Plan is generating paranoia in a co-worker

I also believe that Megacorp really wants those of us with habits that are not congruent with Agile Software development to leave. Early retirement package is a way of clearing the way for newer and "better" models who will take to Agile development with enthusiasm. As a fellow developer I am curio...
by slayed
Mon Jan 08, 2018 4:04 pm
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8429

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

I don't care for the question-less posts and would prefer that they be in a separate sub forum.
by slayed
Wed Dec 06, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 5063

Re: I received a speeding ticket via mail from IA - should I pay it?

Unfortunately most states share speeding ticket information with each other and Iowa is one of those states. You can search "Driver License Compact" and see the full list. You will end up having to pay the ticket when you go to renew your license in your home state.
by slayed
Tue Dec 05, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Fisher Investments
Replies: 14
Views: 2000

Re: Fisher Investments

I’m actually surprised that his ads are effective. I have a negative visceral reaction to him for some reason and always have to change the channel or turn off the TV when he appears, the same way I respond to pharmaceutical ads. I have the same reaction of disgust though I have never been able to ...
by slayed
Tue Nov 28, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Considering Building Gaming PC - Good Builds/Price Points?
Replies: 34
Views: 2401

Re: Considering Building Gaming PC - Good Builds/Price Points?

I would just spend $300 and pick up a Playstation 4, unless there are specific games that you want to play that are not available on console. Otherwise a PC just for gaming doesn't make much sense.
by slayed
Sun Nov 19, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14376

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Dave Ramsey doesn't strike me as particularly intelligent so I tend to ignore his advice.
by slayed
Sun Nov 12, 2017 5:04 am
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 8685

Re: $23k credit card emergency

0% balance transfers are great, but you can do something else -> call all the creditors one by one and be as polite and courteous as possible while you ask the customer service person if there is anyway possible that they can lower your interest rate. 6yrs ago, I could have made almost the same pos...
by slayed
Thu Nov 09, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 150
Views: 13768

Re: How old are you and how much do you save for retirement a year

38 yrs old, usually save about $100k per year though I don't make a distinction for "retirement money" as I manage all of my investments as one portfolio. This year's bonus was higher so saved $130k so far. HSA: $3,400 401k: $21,500 (includes $3,500 match) Backdoor Roth: $5,500 IBonds: $10k EEBonds:...
by slayed
Wed Nov 08, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: What is a reasonable emergency fund for HI family?
Replies: 67
Views: 4164

Re: What is a reasonable emergency fund for HI family?

If your expenses are low compared to your income and you have insurance (disability, auto, etc) then you might not need an emergency fund at all. It really depends on the individual circumstances. I don't have an emergency fund but I also rent (so don't need $ on hand for home repairs) and I work fo...
by slayed
Wed Nov 01, 2017 2:13 am
Forum: Personal Finance (Not Investing)
Topic: I'm fairly young but done with saving money
Replies: 75
Views: 9842

Re: I'm fairly young but done with saving money

$2M probably gives you a safe withdrawal rate of $70-80k/year. Is that enough, especially when you figure in inflation? Even at 2%/year, inflation will take a huge chunk out of what that $80k will pay for 20, 30, or 40 years from now. Assuming 2% inflation, $80k now will be worth $35k in today’s do...
by slayed
Mon Oct 30, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 10068

Re: we bought a house - are we housepoor now?

Thats why we put 30% down instead of 20% ;) Its not just the mortgage - its also your higher property taxes that will drag on you for years to come. That's why many folks run the numbers against property value - not simply the mortgage. So why are you asking this question? I'm still waiting for you...
by slayed
Thu Oct 26, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 3994

Re: Amazon kindle paperwhite

Looks like the $89.99 deal is already over :( Back up to $119.99 this morning. They go back to the $89.99 price point frequently. Also, the current version of the Paperwhite has been on the market for almost 2 years...I believe it may be due for a refresh or upgrade soon, just like the Oasis. Accor...
by slayed
Thu Oct 26, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 3994

Re: Amazon kindle paperwhite

Looks like the $89.99 deal is already over :(

Back up to $119.99 this morning.
by slayed
Tue Oct 24, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: I just want to invest 200k and get 3%
Replies: 20
Views: 5447

Re: I just want to invest 200k and get 3%

30 year treasury is currently pretty close to that.
by slayed
Sat Oct 21, 2017 1:02 pm
Forum: Investing - Theory, News & General
Topic: I believe one can beat the market with a simple contrarian strategy. Am I a fool?
Replies: 32
Views: 4233

Re: I believe one can beat the market with a simple contrarian strategy. Am I a fool?

I don't see anywhere in your numbers where you are accounting for the cash drag of the money that you are choosing not to invest in a given month. Looking at the CAGR of your account doesn't mean much, you have to look at the CAGR of your portfolio, which includes the money that you are not investing.
by slayed
Fri Oct 20, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 59
Views: 6125

Re: Wife New Car Recommendations - SUV

The CX-5 is also available with AWD.
by slayed
Fri Oct 20, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 59
Views: 6125

Re: Wife New Car Recommendations - SUV

I bought a new 2016 CX-5 last year, have 20k miles on it at this point. Really happy with it would buy again.
by slayed
Thu Oct 19, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Best place to invest (*other* than Vanguard)?
Replies: 27
Views: 2626

Re: Best place to invest (*other* than Vanguard)?

I have been very happy with the customer service at Fidelity so I recommend them.
by slayed
Thu Oct 19, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Dow more than tripled in 8 years
Replies: 6
Views: 1065

Re: Dow more than tripled in 8 years

7 companies have been dropped from the Dow over those 8 years
by slayed
Sun Oct 15, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6657

Re: Trash dumped on curb (need advice)

First thing I would do is report it to your local municipality. Stress the health hazard aspect. They will likely fine the property owners and have it removed.
by slayed
Thu Oct 12, 2017 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Corporate wellness program earnings deducted from paycheck
Replies: 7
Views: 897

Re: Corporate wellness program earnings deducted from paycheck

It is possible that you are reading your paycheck incorrectly? Make sure you are not confusing total deduction line with current pay period line. Is it possible that the $800 check was the one where you actually got the $30 and this check is not a pay period where you get the $30 but it is listing t...
by slayed
Wed Oct 11, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 3208

Re: Boston area Relocation...major decision points

Definitely rent at first, Boston area real estate is so pricey that rushing to buy could result in a very costly mistake.
by slayed
Sun Sep 24, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 9476

Re: Where do you get your news?

The Daily Wire
Fox News
by slayed
Tue Sep 19, 2017 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Military: Investing a Windfall in Expensive Market?
Replies: 16
Views: 2237

Re: Military: Investing a Windfall in Expensive Market?

Don't be afraid of debt. If someone offered me a loan with an interest rate of 0.75% I would borrow as much as they would lend me.
by slayed
Thu Sep 14, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 4829

Re: How often do you put money in Vanguard

whenever i have an extra $10k. i should probably do it more often but i like round numbers.
by slayed
Thu Sep 14, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: US stock, non-US stock, or total bond in ROTH?
Replies: 6
Views: 534

Re: US stock, non-US stock, or total bond in ROTH?

i would put a portion of whatever makes up the biggest part of your portfolio into the Roth and do the rebalancing in the traditional IRA, just for simplicity sake. so for example if your AA was 50% TSM, 25% TISM, 25% TBM

Traditional:
$113k TSM
$69k TISM
$69k TBM

Roth:
$25k TSM
by slayed
Sat Sep 02, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: Robert Kiyosaki - rich dad, poor dad
Replies: 45
Views: 4961

Re: Robert Kiyosaki - rich dad, poor dad

I would not recommend his books to anyone.
by slayed
Mon Aug 28, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Help with some financial decisions ?
Replies: 8
Views: 710

Re: Help with some financial decisions ?

Balance transfer seems like a good idea, but see if you qualify for the Chase Slate credit card, as it has no balance transfer fee and 0% APR for 15 months.
by slayed
Wed Aug 23, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 3625

Re: Would you hire an obese nanny?

I would probably not hire her.
by slayed
Fri Aug 18, 2017 1:22 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 5339

Re: Powerball - $510 million?

The jackpots only get this big one or two times a year so I buy a ticket even though I know it is -EV :P
by slayed
Thu Aug 03, 2017 5:23 pm
Forum: Investing - Theory, News & General
Topic: What happens to those who don't save?
Replies: 13
Views: 2115

Re: What happens to those who don't save?

They live in poverty once they can no longer work.
by slayed
Sun Jul 16, 2017 5:05 am
Forum: Personal Finance (Not Investing)
Topic: Is new car replacement insurance worth it?
Replies: 38
Views: 3229

Re: Is new car replacement insurance worth it?

I would not buy it, because if the car gets totaled you do not need to replace it with a $45k SUV... you could replace it with a less expensive vehicle.
by slayed
Mon Mar 27, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Boston apartment hunting advice/can I afford a studio?
Replies: 48
Views: 4410

Re: Boston apartment hunting advice/can I afford a studio?

why do you want to live in Beacon Hill? for a recent college grad i would suggest Allston-Brighton area.
by slayed
Mon Mar 27, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Boston apartment hunting advice/can I afford a studio?
Replies: 48
Views: 4410

Re: Boston apartment hunting advice/can I afford a studio?

it sucks having a roommate but you cannot afford to live in Beacon Hill on a 60k salary, you will end up depleting your savings.
by slayed
Sun Mar 19, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Failing to understand taxable acct strat
Replies: 16
Views: 1989

Re: Failing to understand taxable acct strat

Avolition wrote: Would people (around here) normally end up with just one fund in their taxable account?
That's what I do. 100% VTSAX in taxable.
by slayed
Fri Mar 17, 2017 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: $100K to invest + future saving strategy
Replies: 2
Views: 394

Re: $100K to invest + future saving strategy

Hello all, 5) Save approximately $1.5 - $2K a month, split 40/40/20 (stocks/bonds/cash). Taxable bonds/tax-inefficient stocks would go in Roths, Muni-bonds and tax-efficient stocks would go in Vanguard taxable, and cash to Ally. It doesn't sound like your income is high enough for municipal bonds t...
by slayed
Fri Mar 10, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 8057

Re: 28yo, New Millionaire, Advice on Wealth Management

if you were able to build a company that sold for millions of dollars, then you are certainly capable of managing your own portfolio - many people on this board manage similar amounts just fine on their own. it's not hard!
by slayed
Fri Feb 24, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt Question (Separation)
Replies: 36
Views: 3779

Re: Credit Card Debt Question (Separation)

one thing i would try is to call your credit card companies and negotiate a lower interest rate. if successful this will likely result in the cards being closed and with you on a payment plan with a lower rate.
by slayed
Wed Feb 22, 2017 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Where to put bonds with only a Taxable Account & IRAs?
Replies: 9
Views: 1264

Re: Where to put bonds with only a Taxable Account & IRAs?

With only a 5% bond allocation I would just put them in the IRA. I would question whether 5% bonds is even worth the extra complication though.
by slayed
Tue Feb 21, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: [What] to Do When Income Too High for Roth IRA
Replies: 20
Views: 3063

Re: [What] to Do When Income Too High for Roth IRA

-I only contribute to my 401k and Roth IRA. My traditional IRA is from past 401ks I rolled over. My understanding is because I have a current 401k, I can’t contribute to my traditional IRA. Is that wrong? You can contribute to a traditional IRA but the contributions will not be tax deductible. -I h...
by slayed
Tue Feb 21, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 91
Views: 14234

Re: What are the big things to get right?

One that I haven't seen mentioned... diet and exercise. Nothing is more important than your health!
by slayed
Sat Feb 18, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 8983

Re: Need advice on girlfriend debt/finances

Why does she only work 25 hours a week and why is her income so low? What would she bring to the marriage if she doesn't want to provide you with children and makes almost no money? Does not seem like a good deal for you.
by slayed
Fri Feb 17, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Saver's Tax Credit
Replies: 6
Views: 919

Re: Saver's Tax Credit

those in earlier retirement still funding their Roth could use this credit... well to fund a Roth you need to have some earned income so you would have to be working at least part time. also i believe the credit is not available to full time students - which is unfortunate because I imagine a lot o...
by slayed
Thu Feb 16, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: No 401K and make over 200k
Replies: 15
Views: 1949

Re: No 401K and make over 200k

BuckinCo wrote:I think I'm going to transition into Vangard.

Do you have any thoughts/advice on their solo 401K plans?
not a fan of the Vanguard solo plans as they do not accept rollovers. i suggest Fidelity as an alternative.
by slayed
Mon Feb 13, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: 401K: Critique and advice needed
Replies: 5
Views: 516

Re: 401K: Critique and advice needed

In order to choose the appropriate funds in the 401k it would be useful to know the rest of the portfolio (IRAs, taxable investments, etc)
by slayed
Mon Feb 13, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have $0 in cash (except for bills), not even an emergency fund?
Replies: 45
Views: 2796

Re: Does anyone have $0 in cash (except for bills), not even an emergency fund?

No emergency fund here. Each paycheck I pay whatever bills are due and the rest goes into my taxable mutual fund account. Most expenses get charged to a 0% APR credit card. I am perfectly fine with selling stocks if I ever have an emergency that I can't cover with credit.
by slayed
Mon Feb 13, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on housing crash
Replies: 60
Views: 4062

Re: BH thoughts on housing crash

dodgersummer wrote:I really do not like the location of my property and would love to raise my 5 year old in a better location.
Your 5 year old only gets one childhood. I would sell and move to a location that is best for him/her.
by slayed
Sat Feb 11, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Need advice on setting up first Investment account
Replies: 14
Views: 896

Re: Need advice on setting up first Investment account

when you say first investment account - does that mean you currently have no IRAs, 401ks, etc? without knowledge of your current portfolio it is hard to give any actionable advice.
by slayed
Fri Feb 10, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest- fear of crash
Replies: 58
Views: 5327

Re: When to invest- fear of crash

I have always felt like the market was about to crash. but feel that now (more than ever) we must be close to a peak, and I can’t pull the trigger to start buying. so in other words, your feelings have been wrong for the last 8+ years and have cost you a ton of money, but you continue to let those ...