Search results

  1. E

    What do you do & how much do you make?

    +1 same job/range
  2. E

    How is your IRA/401K retirement allocated?

    by that math, 67% * 30 years = 20.1x salary :) assuming salary stays the same. personally, i'm still aiming for the stated 4% safe withdrawal rate / 25 x 100% salary at retirement. no ssn. no pension. very likely an annuity of some sort will be purchased to get some guaranteed income...
  3. E

    Project Management (Draw some lines)

    did the same when i filled my app for pmp out. there was a nice big ass spreadsheet with the various project phases that let you fill pieces in. needed some formal project management class and a ton of hours for project management time. less if you had a bachelors as was mentioned earlier. i...
  4. E

    Garage door replacement

    having one installed this week. 16x7 old school plywood/particleboard heavier than hell garage door. replacing with a mid tier door, 2 steel layers with Styrofoam inside, 2" door. 9r but not really counting on it for insulation but rigidity and sound absorption. No windows, complete rip and...
  5. E

    IRA early withdrawl penalties?

    for 20k, you cant find another way of borrowing? house loan, car loan, bank loan, personal loan, family, etc.. should be plenty of ways to find 20k. 23.5k penalty on traditional ira is going to be your marginal tax rate on the whole thing + 10%. so if you are in the 25% bracket, you'll lose 35%...
  6. E

    ATOT Financial Advisers please help...

    option #1 be to wait until funds become available, then spend it option #2 get a loan using those funds as collateral, then spend it option #3 get a loan using anything else you have as collateral, plan to pay back with funds in future i suppose one could go the home equity loan road to finance...
  7. E

    Investment questions – Employer Match & BT, AT, Roth

    i subscribe to this theory as well but i'd add a third option taxable. there are various ways of gaming the system, but with no idea on what the system will look like in the future, the best bet (just like in asset allocation) is to have a piece of it all. in that way you can line up withdraws...
  8. E

    Interview advice - *Updated* Waiting on HR

    1st level san I would say is no different than anything else. you don't do any architecting or engineering, mostly stuff that's straight forward, well documented. say san zoning, presuming the ticket either comes down in a specific format you follow the instructions to zone hba1 to spA and spB...
  9. E

    Can you survive on wine if there is no water?

    makes me wonder if one can reduce the abv of a say coors light with the alcohol smoking technique say 2-3 percentage points, enough to hydrating. one could then potentially collect the alcohol vapors and condense back for use in sterilizing things?
  10. E

    Debt-free: Invest or buy a house next?

    when you buy the house you have to pay for closing costs. then when you sell it, the seller pays the realtors, both buyer and sellers. normal cost is 6% of the purchase price. the general 5 year rule goes to home appreciation to "break even". earlier statement, you say xfer 401k to roth ira...
  11. E

    Yea..... I knew mall markup was ridiculous, but not THIS ridiculous.

    my ring cost me $50. i'm not even sure what it's made of. titanium or carbide or something.. we got it at a local jeweler in conjunction to the then fiancee's custom setting. i even lost it once and they replaced it for free. then again.. check this tanga link out from today :)...
  12. E

    Thinking about getting Life Insurance

    heres a tool that i used when we bought term life for ourselves. http://www.term4sale.com/ plug in your numbers, the credit rating of insurance company you want and it'll spit out numbers. at least it did the last time i used it. i used those numbers as a comparison point for when i talked...
  13. E

    Homemade air conditioner

    basically you have a cooler full of ice, a cold zone. the fans draw heat into the cooler, or rather through it and dump the heat from the outside inside. once the temps inside the cooler equals the temps outside, it dun work no more. as butch mentioned before, this action results in condensation...
  14. E

    Homemade air conditioner

    heh i'm actually in process of building something similar. based off the 12v portable air conditioner off instructables for my 11 year old car who's ac needs to have the evaporator replaced, which requires the entire front dash come off so is not worth paying to have really fixed. 28qt igloo...
  15. E

    What's your morning routine?

    6:15am kids wakeup and giggle with each other then loudly ask if it's time to get up. 6:16am send the kids to wake the hibernating bear known as my wife who is not a morning person 6:20am the kids give up and i'm forced to move assorted coverings to force a zombielike shuffle to the bathroom...
  16. E

    Need financial advice 401k, IRA, home purchase)

    so here's a question to throw out for helping to mitigate the potential damage done to a 401k with a loan. assuming the payback rate is 4-5%. say you got a classic 75/25 stock/bond allocation. if you need to take a loan out, adjust your allocation to make the loan come out of the bond...
  17. E

    ARM vs fixed mortgage

    some sample numbers using that spreadsheet i linked earlier. 120k prepay lump sum @ month 4 265k loan fixed @ 4% with 4k closing cost arm 5/5 @ 2.5% with 2% rate rise every 60 months capped at 7.5% fixed @ 4% shows 1265.15 payment. takes 147 months to payoff. arm payment = 1047, planned...
  18. E

    ARM vs fixed mortgage

    i'd argue that the blame is equally on the consumer agreeing to the loan. you're taking out a huge sum of money and dont take on a basic understanding of how the loan works? in full disclosure of that penfed loan, the cap is not 4.5% but 7%. 5% max from the original rate with a 2% cap per...
  19. E

    ARM vs fixed mortgage

    just to make sure i got the scenario right: you have a 265k mortgage that you need to line up now, but will be prepaying 120k in 4 months from an existing house sale or whatnot. you're asking about which mortgage fits you best? three responses: 1) in your case i'd try to find an arm versus...
  20. E

    Any tips on 401k's?

    i'd evaluate a lifecycle fund just as i would any other fund. you have crap lifecycle funds too. figure out what it holds, what the expenses are, what/when things change. if you agree then it can be a nice way to set it and forget it.
  21. E

    how do you manage your IRA?

    or save the money into a balanced fund of sorts or timed fund based on your estimated age of retirement as a parking place to hang on while you devote the time towards learning what you need to know. basically, with either a financial adviser or on your own you spend a fairly good time...
  22. E

    What's a good fiction series?

    lots of good things in thread. here's what i did when i ran out of authors to read. went to amazon and found a list http://www.amazon.com/author-rank/Fa...text/158576011 found david daglish, m r mathias, and a few other authors out of there. if you like jim butcher, check simon R green. he's...
  23. E

    What's your cell phone bill per month?

    we made the switch to prepaid. so something like $10/month for 2 phones based on usage. pageplus $80 for 2000 minutes and home phone google voice/obihai.
  24. E

    Entitled chicks and their Baby/Bridal Showers

    no disagreement here, though after a kid you realize how much of that tacking on "made for babies" stuff is translation for we get to charge you $$ more! i especially like the specially filtered water for babies or stuff like dreft. dont get me wrong, there are kids that are allergic and...
  25. E

    Refinance? If so with who?

    if you were serious about paying off in 5 years, take a look at penfed's 5/5 arm @ 2.675% https://www.penfed.org/55-ARM-Promotion/?intcid=ad-55ARM-home-mainAd-02212013 rate changes at year 5,10,15,20,25. max 7.75% rate with cap 2% per 5 year cycle. plus they are running promo now for closing...
  26. E

    How much does it cost for your health insurance from your work?

    that 33k sounds high but maybe it's just me. i pay 10%, company pays 90% roughly when looking at cobra rates. full cobra coverage on the best plan we have is about 20k/year for family
  27. E

    How old are you and how much do you have saved for retirement?

    even saving the max 401k allowed per year across the average working career, it wont make you rich. middle class, yes but not rich. say you put in a total of 17.5k a year from all sources from age 22 through 65 with an 8% gain per year. that gets you about 5.8million over the 43 year span...
  28. E

    How old are you and how much do you have saved for retirement?

    if you nearly cashed out due to the drop, you might want to consider more bonds. presuming you held on, re-balanced, and added to contributions, it's all worked out for you. now might be the time to change the plan to a less potentially volatile one that you can comfortably maintain without...
  29. E

    How old are you and how much do you have saved for retirement?

    between health insurance (pre medicare) and assuming nothing from social security we've assumed to trade off with no mortgage payment. right now with some 22-32 years minimum until retirement there's a lot of haze surrounding those two aspects so we assume the worst case and can adjust as we get...
  30. E

    Do you think most arguments in a relationship are based on finances?

    no issues here. both of similar finances mentality and we created our system early on. for whatever reason we're both of the habit of discussing any purchases over $50 bucks, never set just sorta happened.
  31. E

    What book(s) are you reading right now?

    just finished this one a sliver of redemption by david daglish
  32. E

    The pettiness of office managers never ceases to amaze me

    The problem is that without a policy to point to what do you do when the one or two exceptions that clearly need to be dealt with on an individual basis, refuse to change. they state there is no dress code, therefore i can dress however i want. that means a man thong and cowboy boots mondays and...
  33. E

    Home remodeling - tips and financing questions

    just to throw it out there, if you were willing to do the extra paperwork, penfed has a fixed 1.99% home equity loan on up to 5 years. not much difference than the HELOC, just a cheaper. edit - up to 80% LTV
  34. E

    Wedding planning blows *****'s *** ****.

    as long as the future wife and you agree, you're good to go. that said we did a hybrid of sorts. we did a mini destination wedding in maine for close family who came on their own dime but wasn't overtly expensive like leaving the country for a resort. then we gave the parent's options to setup...
  35. E

    Ouch!!! The tax increase sucks

    http://www.irs.gov/taxtopics/tc306.html looks to be a few additional guidelines. Generally, most taxpayers will avoid this penalty if they owe less than $1,000 in tax after subtracting their withholdings and credits, or if they paid at least 90% of the tax for the current year, or 100% of...
  36. E

    How does your health insurance with your employer work?

    standard hmo plan. i pay my monthly pretax fee's, fund my fsa, and go to the in network doc's for stuff when needed for the family. vision + dental extra. we're generally healthy so go with the cheaper 80% specialist coverage plan versus the full plan with fix copays for specialists. glad my...
  37. E

    How long is your work week?

    usually around 45. support stuff when on call can drive it up but happens rarely.
  38. E

    Steak Thread!

    that pic of steak just made me drool uncontrollably.
  39. E

    Does Your Work Provide Sick Time?

    15 / year sick bankable forever. i only use 3-5 a year, now have enough to not need to worry about short term disability. though we now have some rules in place for taking too many "incidents" in a rolling 6 month period. rules for needing doctor's notes after x days and such. since i dont...
  40. E

    How much college debt did you finish with (and what kind)?

    undergrad at state U- none, between scholarship, parents and a 6 month co-op where i got paid annually more than my first job post college. then again it helped me figure out i didnt want a job in that career so was actually helpful. masters- none. employer paid most of it, i kept working and...
COMPANY
RESOURCES
FOLLOW
Top Bottom
sale-70-410-exam    | Exam-200-125-pdf    | we-sale-70-410-exam    | hot-sale-70-410-exam    | Latest-exam-700-603-Dumps    | Dumps-98-363-exams-date    | Certs-200-125-date    | Dumps-300-075-exams-date    | hot-sale-book-C8010-726-book    | Hot-Sale-200-310-Exam    | Exam-Description-200-310-dumps?    | hot-sale-book-200-125-book    | Latest-Updated-300-209-Exam    | Dumps-210-260-exams-date    | Download-200-125-Exam-PDF    | Exam-Description-300-101-dumps    | Certs-300-101-date    | Hot-Sale-300-075-Exam    | Latest-exam-200-125-Dumps    | Exam-Description-200-125-dumps    | Latest-Updated-300-075-Exam    | hot-sale-book-210-260-book    | Dumps-200-901-exams-date    | Certs-200-901-date    | Latest-exam-1Z0-062-Dumps    | Hot-Sale-1Z0-062-Exam    | Certs-CSSLP-date    | 100%-Pass-70-383-Exams    | Latest-JN0-360-real-exam-questions    | 100%-Pass-4A0-100-Real-Exam-Questions    | Dumps-300-135-exams-date    | Passed-200-105-Tech-Exams    | Latest-Updated-200-310-Exam    | Download-300-070-Exam-PDF    | Hot-Sale-JN0-360-Exam    | 100%-Pass-JN0-360-Exams    | 100%-Pass-JN0-360-Real-Exam-Questions    | Dumps-JN0-360-exams-date    | Exam-Description-1Z0-876-dumps    | Latest-exam-1Z0-876-Dumps    | Dumps-HPE0-Y53-exams-date    | 2017-Latest-HPE0-Y53-Exam    | 100%-Pass-HPE0-Y53-Real-Exam-Questions    | Pass-4A0-100-Exam    | Latest-4A0-100-Questions    | Dumps-98-365-exams-date    | 2017-Latest-98-365-Exam    | 100%-Pass-VCS-254-Exams    | 2017-Latest-VCS-273-Exam    | Dumps-200-355-exams-date    | 2017-Latest-300-320-Exam    | Pass-300-101-Exam    | 100%-Pass-300-115-Exams    |
http://www.portvapes.co.uk/    | http://www.portvapes.co.uk/    |