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Re: Year round storage container for CDs in car

Is this really a problem? I've had CDs in my car during Wisconsin winters and South Carolina summers with no problem.

That being said, almost all of what I regularly listen to is on a USB stick plugged in under my armrest.
by BuckyBadger
Thu Apr 09, 2015 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Year round storage container for CDs in car
Replies: 14
Views: 715

Re: Should I worry about being taken to collections?

I would just pay it. Not worth the risk for $100. I'm surprised you cancelled a credit card over this, frankly. It's worth more than $100 of my time to update everything that automatically bills to my credit card. We just had some small fraud on our card and are getting a new number - I'm annoyed no...
by BuckyBadger
Thu Apr 09, 2015 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Should I worry about being taken to collections?
Replies: 20
Views: 2246

Re: Anyone ever use a closet design company?

I wanted to add a few things about easy closets. As other said, the price point is MUCH below a California Closets type place. The quality (to me, at least) is good enough for pretty much anything less than a MTV Cribs- type celebrity closet. I chose white and chrome because I didn't want to spend m...
by BuckyBadger
Thu Mar 12, 2015 11:59 am
 
Forum: Personal Consumer Issues
Topic: Anyone ever use a closet design company?
Replies: 22
Views: 1593

Re: Anyone ever use a closet design company?

We did Easy Closets, too, for two walk ins in our new house. Life changing, I swear. Crazy easy to design. My husband is 6'4" so I could custom-install stuff higher with more spacing between the bars, and do my bar heights based on the length of stuff I wanted to hang. I found drawers to be too...
by BuckyBadger
Thu Mar 12, 2015 10:43 am
 
Forum: Personal Consumer Issues
Topic: Anyone ever use a closet design company?
Replies: 22
Views: 1593

Re: How to make this fair: gifting to kids with different me

Thanks for the replies, everyone. I'm actually "kid A" and it's my father who is trying to come up with a way to make everything fair - or at least as equal as possible. Looks like there is no simple answer - I'll keep telling him that whatever he does will be fine, but it's up to him how ...
by BuckyBadger
Mon Feb 09, 2015 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 9229

How to make this fair: gifting to kids with different means

Lets say you want to start gifting to your kids before your death. You're a little hesitant to give too much away, though, as you're still healthy and active. If you need all your money then this all comes off the table and you spend your money! Your kids a quite different - one went in a "trad...
by BuckyBadger
Fri Feb 06, 2015 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 9229

Re: Benefits of Second Home

Wow, is that you, Mom and Dad? My parents bought a place on one of the smaller, cheaper Finger Lakes about 35 minutes from their place in Rochester. They LOVE it. The spend a lot of time there in the summer and still enjoy it in the winter. It's a beautiful area when covered in snow and my Dad goes ...
by BuckyBadger
Fri Jan 16, 2015 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Benefits of Second Home
Replies: 35
Views: 3345

Re: cat water fountain

Just wanted to re-iterate in case it got lost in the shuffle that the best solution to problems in a cat's diet or water intake isn't $70 per bag prescription food - it's wet food. Crappy $0.40 a can wet food solved EVERY ONE of my cats' problems. They didn't like wet food in the beginning, but we t...
by BuckyBadger
Tue Jan 13, 2015 12:19 pm
 
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 4938

Re: How to handle defaulted debts and current student loans?

I would also take a good hard look at how some of these smaller bills went into collections. Look at how you manage your finances - how you pay your bills and how you make sure you know what you're missing in case a bill gets lost in the mail. $140 , $90, $67? These were medical bills and utility bi...
by BuckyBadger
Tue Jan 13, 2015 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 2831

Re: How to handle defaulted debts and current student loans?

You get one free report per year PER REPORTING BUREAU, so you can really get three. Sometimes the information isn't exactly correct between them, but you should be able to get at least two of them for free right now if you've only gotten one previously.
by BuckyBadger
Tue Jan 13, 2015 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 2831

Re: How to handle defaulted debts and current student loans?

Again - I'm super confused. Doesn't this: How should we handle our defaulted debts? We have no debt being paid that is current. All of our consumer debt is from when we were very young and has been in default for 5+ years. How bad is it to seek a settlement? Mean the opposite of this: Also, we have ...
by BuckyBadger
Mon Jan 12, 2015 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 2831

Re: cat water fountain

We have a cat who gets urinary crystals. We got him a fountain and he wouldn't go near it. Then we started squeezing a few teaspoons of water from a can of water-packed tuna into his water and now he drinks lots. Well, actually then the other cat got diabetes so we started feeding them both wet food...
by BuckyBadger
Mon Jan 12, 2015 3:10 pm
 
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 4938

Re: Keeping CC Receipts

I toss immediately - if I can't get the vendor to just throw them away behind the counter for me - unless it's something I could conceivably want to return. I look over the bill monthly for anything that looks unusual. Often there will be a charge or two from a name that seems unfamiliar. I've alway...
by BuckyBadger
Mon Jan 12, 2015 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Keeping CC Receipts
Replies: 45
Views: 3786

Re: How to handle defaulted debts and current student loans?

How does this: All of our consumer debt is from when we were very young and has been in default for 5+ years . equal this: Our defaulted debt is as follows, $7832 in 2009 $5483 in 2009 $905 in 2009 $854 in 2009 $353 in 2009 $143 in 2014 $67 in 2010 $866 in 2014 $401 in 2014 $341 in 2014 $90 in 2013
by BuckyBadger
Mon Jan 12, 2015 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 2831

Re: Young couple looking for a mentor.

I would maybe start a new thread. Your questions are now much more reasonable and you'll get better responses (I believe) if people don't have to wade through the more unusual questions discussed in your first posts.
by BuckyBadger
Mon Jan 12, 2015 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young couple looking for a mentor.
Replies: 45
Views: 4543

Re: I have to leave Ameriprise

Whoever designed that portfolio should be brought up on criminal charges. That thing is a crime.
by BuckyBadger
Fri Jan 09, 2015 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have to leave Ameriprise
Replies: 22
Views: 3314

Re: Should We Stay Or Should We Go?

Good observation and definitely something we have considered. Initially we would just net $500 per month since we would lose the rental income but I'm confident I can replace that $500 income with another rental purchased with the cash we get from selling the current house; so my $1200 figure is vi...
by BuckyBadger
Fri Jan 09, 2015 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should We Stay Or Should We Go?
Replies: 33
Views: 4129

Re: Cancel Homeowner's Insurance?

I was just reading on another board about a guy who was in a car accident and was in a coma for 28 days. No insurance. The bill was 4 million. Worked it down somehow to 1.2 million. I wouldn't want to wake up to that bill - no matter how much money I had. I never understood how that worked. Why doe...
by BuckyBadger
Wed Jan 07, 2015 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Cancel Homeowner's Insurance?
Replies: 106
Views: 6896

Re: Cancel Homeowner's Insurance?

I was just reading on another board about a guy who was in a car accident and was in a coma for 28 days. No insurance. The bill was 4 million. Worked it down somehow to 1.2 million. I wouldn't want to wake up to that bill - no matter how much money I had. He could never pay that so he'll declare ban...
by BuckyBadger
Wed Jan 07, 2015 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Cancel Homeowner's Insurance?
Replies: 106
Views: 6896

Re: BOA HSA -- No fees but can't invest the first $1,000

I always assumed all HSAs had rules like that. I know mine requires $1500 in the account. Everything above that is invested. At this point, with over $20k invested, the $1500 is a drop in the bucket. Compared to the (just over as of this month, so woo hoo MILESTONE) >$500k in our retirement accounts...
by BuckyBadger
Tue Jan 06, 2015 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: [BOA HSA -- No fees but can't invest the first $1,000]
Replies: 7
Views: 978

Re: Today is a Good Day to fund the 2015 IRA

Moved $5500x2 into traditional IRAs on 1/2/15, converted to ROTH 100% in Total US Stock on 1/5/15.

Done and done.
by BuckyBadger
Mon Jan 05, 2015 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Today is a Good Day to fund the 2015 IRA
Replies: 69
Views: 8298

Re: Do you rebalance each time you fund your account?

I just add my monthly contributions to the under-performing class. For me it's a quick online tweak and it takes effect with the next paycheck so it's not a big deal. Last year when the market was going crazy I contributed almost totally to bonds for most of the year. My IPS says to rebalance (by bu...
by BuckyBadger
Mon Jan 05, 2015 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: Do you rebalance each time you fund your account?
Replies: 25
Views: 1826

Re: Help with an adults only all-inclusive

We had a great time at Couple Swept Away (in Negril). We are big into tennis and they have the most impressive sports complex in Jamaica - as far as we could tell.

We can't wait to go back.
by BuckyBadger
Fri Dec 19, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Help with an adults only all-inclusive
Replies: 26
Views: 4567

Re: Dollar Cost Averaging and a Backdoor Roth IRA

Just consider it DCA annually instead of monthly. People DCA at arbitary intervals usually related to their pay interval. I used to get paid every other week and put money into my 403b when I got paid - (max amount/26). Now I get paid monthly so I put (max amount/12) in every month. I would never co...
by BuckyBadger
Fri Dec 19, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Dollar Cost Averaging and a Backdoor Roth IRA
Replies: 6
Views: 920

Re: Getting Married...Any advice?

There are many threads dedicated to the discussion - which sometimes gets quite contentious - about joint versus separate finances. I am personally a fan of joint finances (in the majority of cases) because the thought that the higher earner should get "more" or "better" is unten...
by BuckyBadger
Wed Dec 03, 2014 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting Married...Any advice?
Replies: 25
Views: 2698

Re: Apple Stock - Seems great, right?

The out and out disdain leveled against successful individual stock investments continues to disappoint me. Frankly I think it reeks of a certain green-eyed monster in many cases. And of course you realize that if it goes the way of GTAT you as an (I assume) index holder will be effected too. So ke...
by BuckyBadger
Thu Nov 20, 2014 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 11603

Re: Jane Austen's Economics

I'd love to see Jane Eyre, too!
by BuckyBadger
Mon Nov 17, 2014 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jane Austen's Economics
Replies: 60
Views: 17474

Re: How often do you go out to dinner?

Does take out count?
by BuckyBadger
Mon Nov 17, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: How often do you go out to dinner?
Replies: 60
Views: 6747

Re: Your car(s) are equal to how many months income

Using edmunds.com, total car value ~$30k. Total montly income ~$12k, so less than three months income but more than two.

2012 Volvo (bought used) and 2008 Honda (bought new).
by BuckyBadger
Wed Nov 12, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 6862

Re: Road Tolls, and Rental Cars

dpc wrote:Why not just go through the cash lane and pay the toll? Seems a lot simpler.


This is increasingly impossible. Many toll roads are cash-free. New ones are being built that way and old ones are being modified. There are many many toll roads where paying in cash is impossible.
by BuckyBadger
Tue Nov 11, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Road Tolls, and Rental Cars
Replies: 43
Views: 4141

Re: Question about reinvesting dividends

We have one taxable account that's all Total International. It's set and forget, so I just have it automatically reinvest. it's not worth the trouble to me to do anything different. Of course, I also don't tax loss harvest. I figure as long as I do the important stuff right I'll be okay. Futzing aro...
by BuckyBadger
Tue Nov 11, 2014 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about reinvesting dividends
Replies: 7
Views: 696

Re: Road Tolls, and Rental Cars

Thank you all. I will get an E-ZPass transponder, and I go to Houston forewarned and forearmed. L. Don't think ezpass will help you in Texas. (Searched for iPass, as that is what I have, but ipass and ezPass are interchangeable.) http://www.illinoistollway.com/tolls-and-i-pass/about-i-pass/using-i-...
by BuckyBadger
Tue Nov 11, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Road Tolls, and Rental Cars
Replies: 43
Views: 4141

Re: nuts and bolts of rolling over 403b

I'm hoping that the tax forms I have to fill out won't blow my mind! Glad it worked out for you! Maybe I'm ignorant, but what tax forms does this transfer? Looks like roth to roth and traditional to traditional. I'm not sure. The Tranamerica person wanted to make sure we weren't moving because they...
by BuckyBadger
Tue Nov 11, 2014 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: nuts and bolts of rolling over 403b
Replies: 9
Views: 708

Re: nuts and bolts of rolling over 403b

Just to bring this full circle (since I like when other people do it for their threads) I have successfully moved all my transamerica money into my Vanguard account. I had planned on doing it in two steps - Roth 403b to Roth IRA, then 403b to 403b, but when I talked to transamerica they said I could...
by BuckyBadger
Tue Nov 11, 2014 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: nuts and bolts of rolling over 403b
Replies: 9
Views: 708

Re: Anyone have a smartwatch?

I have a Samsung GearFit Sport, and my husband (early adopter) has a pebble. We like our watches, but they're not for everyone. They also weren't terribly expensive. I got mine open box and many months after it first came out for less than $90. My husband's pebble I got when it was a Kickstarter cam...
by BuckyBadger
Tue Nov 11, 2014 9:59 am
 
Forum: Personal Consumer Issues
Topic: Anyone have a smartwatch?
Replies: 10
Views: 1221

Re: paying more on house principal good idea anymore?

You certainly don't get the bang for your buck that you used to when rates were in the double digits. With a rate that low (and do you itemize deductions? because then I'm even lower than 4.5%) it's hard to justify paying extra unless you've maxed out all other savings vehicles. I wouldn't pay extra...
by BuckyBadger
Mon Nov 10, 2014 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: paying more on house principal good idea anymore?
Replies: 8
Views: 1480

Re: War on Debt

Just because someone doesn't agree with you doesn't make them a troll. My wife wants an SUV - FML - this is why I need to create a budget to show her that we cannot afford to be stupid with what little money we have. I will be putting a cap $200/month for payments, assuming she doesn't budge on this...
by BuckyBadger
Mon Nov 10, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 33075

Re: The safest 4 door sedan out there

Volvos have a reputation for safety that is not undeserved. If someone asks me what the safest car to buy (in any class) is, I will always say Volvo, at least until I see data that shows differently. I agreed with you, Bucky. I was impressed that their XC90 earned the highest rating from the IIHS e...
by BuckyBadger
Fri Oct 31, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4885

Re: The safest 4 door sedan out there

That's what I get for posting on a phone. Too much brevity, it appears, isn't a good thing either. I'm not going to re-do the research I did when we purchase the Volvo, so I will not provide references, but at the time there were only two sedans that we were interested in that were top safety pick p...
by BuckyBadger
Fri Oct 31, 2014 11:01 am
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4885

Re: The safest 4 door sedan out there

Volvo. Always Volvo.
by BuckyBadger
Thu Oct 30, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4885

Re: A Little Common Core Math problem

To someone with a hammer, everything looks like a nail. For someone comfortable with multi variable equations, the instinct is to express them in that way. It may not be the fastest way or the most efficient way, but it's a way that you know will give you the answer. I, as a PhD physicist, would als...
by BuckyBadger
Thu Oct 30, 2014 3:34 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 3331

Re: Should I buy more REITs?

Wasn't there a thread somewhere along the lines of "Why not 100% in REITs" from the OP as well?
by BuckyBadger
Tue Oct 28, 2014 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 45
Views: 5199

Re: TSA [is it a hassle to opt out of scanning?]

Totally worth it every time. In what way? What is it worth? TSA Found Over 1,800 Guns in Carry-On Bags in 2013 http://www.voanews.com/content/tsa-found-guns-and-other-weapons-in-carry-on-bags/1837261.html Actually, I think it is worth it even if not one of those persons trying to get their guns on ...
by BuckyBadger
Thu Oct 23, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 2522

Re: TSA [is it a hassle to opt out of scanning?]

spaddlewit wrote:Totally worth it every time.


In what way? What is it worth?
by BuckyBadger
Thu Oct 23, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 2522

Re: TSA [is it a hassle to opt out of scanning?]

I go through the scanner and if challenged in the least always treat the TSA agents with disdain/contempt. They don't deserve my respect. Why do you think they not deserve your respect? They're poorly-paid public servants who have to put up with a lot of unfair and mis-directed complaints every day...
by BuckyBadger
Thu Oct 23, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 2522

Re: TSA [is it a hassle to opt out of scanning?]

Unless you are asserting some sort of independence or taking a stand against something, there really isn't a reason to avoid backscatter scanners or millimeter wave scanners. You'll get many times more radiation from being on the plane (therefore higher up in the atmosphere and receiving more cosmic...
by BuckyBadger
Thu Oct 23, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 2522

Re: Buying a car.

I've bought cars used and new - it depends on the car and on the person. The last car I bought new was a Honda in 2008. A similar used Honda was about $1500 less than a new one at that point, so it didn't make sense to buy used. Alternately, the last used car I bought was a 2012 Volvo in 2014. As a ...
by BuckyBadger
Thu Oct 23, 2014 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a car.
Replies: 9
Views: 791

Re: Can a homemaker use a Roth & i401k?

Is there anything you can (legitimately) hire her to do for your small business?
by BuckyBadger
Tue Oct 21, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Can a homemaker use a Roth & i401k?
Replies: 14
Views: 1068

Re: How do you wash your car?

I think the poll is pretty flawed, too. If there were an option that said "I don't wash it regularly, but if it suddenly was covered in poop and sap and caked in mud from an off-road adventure I would wash it" it would be pretty popular. Assuming we all aren't complete idiots and would was...
by BuckyBadger
Mon Oct 20, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 8452

Re: Anyone cancelling travel plans?

Off to Dallas next Friday. Looking forward to visiting friends.
by BuckyBadger
Sat Oct 18, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6685
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