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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 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Can a homemaker use a Roth & i401k?
Replies: 14
Views: 966

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 11:20 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 117
Views: 4644

Re: Anyone cancelling travel plans?

Off to Dallas next Friday. Looking forward to visiting friends.
by BuckyBadger
Sat Oct 18, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6157

Re: Kids & Sports

Is the situation the same one you describe here: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=140721 Or are things substantially different? Are things different than they were in June? My oldest son is almost 6 and has tried a couple different sports. He's run a couple local races (1 mil...
by BuckyBadger
Fri Oct 17, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2139

Re: Can I reduce my *retirement* savings rate?

Just to add another data point, a $100/month hobby is nothing. If your plan is so tight that it can't handle a $100/month swing (for a hobby or anything else - HOA fees go up, gas gets more expensive, you go on an expensive medication) you are in serious trouble. I agree that you're making this much...
by BuckyBadger
Fri Oct 17, 2014 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I reduce my *retirement* savings rate?
Replies: 35
Views: 3296

Re: Wife Expecting, Down to One Income Source

We are considering having a child, but I am not planning on quitting my job should it happen. Working outside the home isn't less worthy than living on one income and making sacrifices. Every family should be allowed to make its own decisions and should not be criticized one way or the other. We wan...
by BuckyBadger
Tue Oct 07, 2014 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 8028

Re: HDHP/HMO with potential baby?

Thanks for the response! Just so I'm understanding, you have Rhino Jr covered under both your plans? You and your wife are both paying "employee+child" premiums? I didn't know that was allowed. Can an adult be covered under two plans? I'd like to be able to contribute the family max to the...
by BuckyBadger
Tue Oct 07, 2014 9:03 am
 
Forum: Personal Finance (Not Investing)
Topic: HDHP/HMO with potential baby?
Replies: 4
Views: 401

HDHP/HMO with potential baby?

I was hoping that someone out there could double-check my logic. My husband and I have been on his High Deductible Heath Plan for the past few years. We've been maxing out a HSA and paying for our medical expenses out of pocket. Our medical expenses are under $1,000 a year - usually glasses/contacts...
by BuckyBadger
Mon Oct 06, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: HDHP/HMO with potential baby?
Replies: 4
Views: 401

Re: Is my husband a spendthrift? Or I a tightwad?

There is approximately 700k left in a trust fund, which will be given out over the next 7 years, at which point there will be no more. I have not asked how it is invested, but since the horizon is relatively short and my dad is very very conservative, I feel 99% confident that it will come to pass....
by BuckyBadger
Thu Oct 02, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15737

Re: Is my husband a spendthrift? Or I a tightwad?

I feel like the big piece we're missing is how much exactly you're getting from family every year, because as it is the numbers simply don't add up. And you seems to also be planning on getting enough that you're not even that concerned about retirement. Home equity isn't fail safe. And, honestly, i...
by BuckyBadger
Thu Oct 02, 2014 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15737

SS website - credit freeze

I don't seem to be able to create an account on the social security website. I'm guessing it's because my credit is frozen. Does anyone know - can I just unfreeze it once and then it'll work, or will it not be able to compile my data at all if my credit is frozen? Also, is it important that I be abl...
by BuckyBadger
Tue Sep 30, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS website - credit freeze
Replies: 7
Views: 1017

Re: Treadmills

I'm interested in a quiet treadmill - is there such a thing? My current one is probably 15 years old and is very loud. I'd love one that I could actually hear the television over without cranking the volume to maximum. Thanks for any advice! Blue tooth headphones and a blue tooth transmitter plugge...
by BuckyBadger
Thu Sep 25, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 54
Views: 3477

Re: Jack and Jill Bathroom a problem?

I suppose that I also fail to see the problem. Nearly every house I've lived in has had a jack and jill bathroom of some sort. My childhood home was one room with all three facilities in it and a door into each of the two bedrooms. You say you'rs in 2 1/2 baths. But how many bedrooms? I would image ...
by BuckyBadger
Thu Sep 25, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: Jack and Jill Bathroom a problem?
Replies: 18
Views: 1870

Re: pet tags?

We do our tags at PetCo, as well.
by BuckyBadger
Mon Sep 22, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: pet tags?
Replies: 8
Views: 664

Re: Anyone know anything about diamond rings?

We are in Chicago, and my husband also went to Dimend Scaasi on Jeweler's Row for my engagement ring diamond (he went the loose diamond route, but they have ring sets, too), as well as his wedding band. He worked with Shannon in selecting my diamond. Their big focus is on the diamond's cut for &quo...
by BuckyBadger
Mon Sep 22, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Anyone know anything about diamond rings?
Replies: 49
Views: 1949

Re: Anyone know anything about diamond rings?

FYI Blue Nile and Dimend SCAASI are pretty similar in price for the specs of my ring, but of course at SCAASI I was able to select the exact stone in person. I'll go take a peek at Costco. (ETA they do not have an equivalent stone. The one in the same clarity and color as mine is ~0.4 carats bigger ...
by BuckyBadger
Mon Sep 22, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Anyone know anything about diamond rings?
Replies: 49
Views: 1949

Re: Anyone know anything about diamond rings?

Not so much active as in doing yard work (we live in Chicago), but she is a nurse and goes to the gym and such. Which is why I was trying to stay away form a high set princess cut or a large diamond, even though I'm sure she would love a larger rock. I'd rather not propose with a fake ring. Another...
by BuckyBadger
Mon Sep 22, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Anyone know anything about diamond rings?
Replies: 49
Views: 1949

Re: Anyone know anything about diamond rings?

A few disconnected thoughts: Is your soon-to-be-bethrothed an active sort? I chose platinum over white gold because it's stronger and I'm a mess - always digging around in something and out at the barn. It was worth the piece of mind for me to know I had the strongest possible setting. Even good whi...
by BuckyBadger
Mon Sep 22, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Anyone know anything about diamond rings?
Replies: 49
Views: 1949

Re: Hamilton watches, worth the money?

I do not like to buy used stuff, especially watches, they can be scratched, parts can be swapped, people do scams and I don't know enough about them to be able to make a good judgement call, I'd hate to pay even 50% off for a lemon.. "Especially watches?" I thought this was your first and...
by BuckyBadger
Mon Sep 15, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 13022

Re: nuts and bolts of rolling over 403b

You've inspired me, John Smith!

I'll set the rollover in motion asap.
by BuckyBadger
Thu Sep 11, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: nuts and bolts of rolling over 403b
Replies: 5
Views: 325

nuts and bolts of rolling over 403b

I want to roll over my old 403b from a previous job to my new 403b at Vanguard. I asked if they could just do it but apparent;y I have to get my hands dirty. These are the steps that I have to do. The old account is at Transamerica. New account is Vanguard and does accept rollovers. The procedure fo...
by BuckyBadger
Thu Sep 11, 2014 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: nuts and bolts of rolling over 403b
Replies: 5
Views: 325

Re: Fidelity 401k - short term trading between stock and bon

Yes there is something like 30 day excessive trading penalty. So it is probably not worth the hassle. http://personal.fidelity.com/products/trading/Trading_Platforms_Tools/excessive_trading_policies.shtml I think the point is not that it's "not worth the hassle," rather that it's a bad id...
by BuckyBadger
Tue Sep 09, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k - short term trading between stock and bonds
Replies: 8
Views: 347

Re: rebalancing spreadsheet

Do I win a prize for having the simplest spreadsheet?

Image

I update it at the beginning of every month. If things get too out of whack I adjust my next month's contributions.
by BuckyBadger
Tue Sep 09, 2014 3:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: rebalancing spreadsheet
Replies: 11
Views: 793

Re: Experiences with concrete lifting

Unless the replace people know why the current slabs are moving (they don't unless they've cored) they have no business telling you that mud jacked slabs will continue to see movement. You have a subgrade problem of some type. Whether it was insufficient compacting at the time the drive was install...
by BuckyBadger
Mon Aug 25, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Experiences with concrete lifting
Replies: 9
Views: 773

Re: Subaru Blues

More anecdotes: Between my parents, me, my brother, my brother's ex wife, and my brother's current girlfriend, we've had a total of, lets see - carry the one - about 11 Subarus over the years. (Very popular in the north due to the AWD.) We have never had any unusual maintenance or repairs required. ...
by BuckyBadger
Mon Aug 25, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8210

Re: Experiences with concrete lifting

I recently had this conversation with someone and referred to it as "mud jacking," which is what I had heard it called. They had never heard that phrase before. Anyway, we had an experience with mud jacking when selling our last house. The front steps (4 or 5 steps cast as one concrete sec...
by BuckyBadger
Mon Aug 25, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Experiences with concrete lifting
Replies: 9
Views: 773

Re: About to Order my first Mini Cooper S

No one* wants a manual SUV or mini van.

No one* wants an automatic sports car.

In my opinion, people who drive Mini Coopers, in general, would prefer a stick.



*or at least very few
by BuckyBadger
Tue Aug 19, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: About to Order my first Mini Cooper S
Replies: 19
Views: 1292

Re: Sandals or similar?

Sorry. I did not speak clearly. It's the end of the hurricane, season - not after hurricane season. I realize that it still *is* hurricane season, but it is toward the end of that season.

We're willing to risk it.
by BuckyBadger
Mon Aug 11, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Sandals or similar [vacation resort]?
Replies: 15
Views: 1432

Sandals or similar [vacation resort]?

I was wondering if anyone has any personal reviews of Sandals or similar all inclusive type resorts. Sometimes we like to vacation pro actively and go off the beaten path, but other times we want a cruise-like vacation where we don't have to plan anything or think about anything. We're thinking abou...
by BuckyBadger
Mon Aug 11, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: Sandals or similar [vacation resort]?
Replies: 15
Views: 1432

Re: Changing queen size to king size

I can't imagine this would be with the trouble. The head board and foot board would have to be widened significantly. Depending on the style this would range from inconvenient and expensive to completely impossible. What do you mean by "buying a king size frame would be first?" Aren't you ...
by BuckyBadger
Mon Aug 11, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: Changing queen size to king size
Replies: 9
Views: 1255

A few days in San Francisco - what to do?

My husband and I work in the same field and sometimes were a fortunate enough to get sent to the same conferences. We're going to one of these in September. We'll be at the conference during the day from Sunday through Thursday morning. Then we added a day of vacation, so we'll be free most of Thurs...
by BuckyBadger
Wed Aug 06, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: A few days in San Francisco - what to do?
Replies: 9
Views: 724

Re: How do you document your HSA "stuff?"

I don't. I will take the money out during retirement or when there are no other funds in other accounts to pay for an extraordinary medical expense. This is our plan as well. However, I like to have all my bases covered so I'd like the ability (however unlikely it might be) to get the money out if ...
by BuckyBadger
Wed Aug 06, 2014 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2251

How do you document your HSA "stuff?"

We, like many others, use our HSA as a sort of stealth-IRA. We max it our every year but pay all expenses out of pocket. We're young and don't have a lot of expenses, so this is pretty easy for us. (Less than $1k a year, mostly on eye stuff, teeth stuff, and a PT appointment every so often.) There i...
by BuckyBadger
Mon Aug 04, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2251

Re: Memory foam mattresses - any insight?

Someone may have metioned this already - I didn't read every reply. We bought this from Costco 1 Sleep Science 10" Memory Foam Split-King Mattress with Adjustable Base - Item# 436276 White Glove in January of 2013 and we could not be more pleased. We don't find it hot at all, and we're in North...
by BuckyBadger
Thu Jul 24, 2014 9:34 am
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 64
Views: 5616

Re: Android smartphone with physical keyboard

Have the manufacturers really given up on QWERTY phones ? It would seem so. I know many others who are frustrated by this, hopefully the tide will turn eventually. That's the free market for you. If enough people wanted phones with physical keyboards, there would be lots of great phones with physic...
by BuckyBadger
Thu Jul 24, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 44
Views: 2786

Re: Android smartphone with physical keyboard

Would you consider using a stylus for typing? My mother can't type on an on-screen keyboard, either, so she got a nice slimline case that holds a stylus with a soft rubber nubbin for a point. It's great. She's a lot faster with that pen than I am with my fingers. If so, all of the phones would work...
by BuckyBadger
Wed Jul 23, 2014 8:55 am
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 44
Views: 2786

Re: Android smartphone with physical keyboard

Would you consider using a stylus for typing? My mother can't type on an on-screen keyboard, either, so she got a nice slimline case that holds a stylus with a soft rubber nubbin for a point. It's great. She's a lot faster with that pen than I am with my fingers. If so, all of the phones would work ...
by BuckyBadger
Tue Jul 22, 2014 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 44
Views: 2786

Re: How much do you spend on your hobby annually?

Competitive horseback riding.

Back when I was showing a lot, I spent close to $40k a year. Now that I've backed off an have only a retired horse and a young one in training it's down to about $26k.

We also play tennis, but that's only about $3k a year including equipment and apparel.
by BuckyBadger
Mon Jul 14, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 7452

Re: Wife was hit by car while riding on bicyle. Next Step?

I would also go to your own auto insurance company and get advice from them. I was in a similar incident but was much more seriously injured. I did speak to a lawyer at one point, but never hired one. In my case the facts were clear and the driver was given a ticket at the site of the accident and t...
by BuckyBadger
Wed Jul 09, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife was hit by car while riding on bicyle. Next Step?
Replies: 46
Views: 5724

Re: is it normal to have more in your taxable accounts

It all depends on what you have available to you. My husband and I both have 401k/403b accounts through work, we both do backdoor Roths, and we have an HSA. That's, what, over $52k in tax advantaged space? Add about $22k in employer match, that's over $74k in our retirement accounts. We add about an...
by BuckyBadger
Thu Jun 19, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: is it normal to have more in your taxable accounts
Replies: 25
Views: 1728

Re: Electronic person-to-person payments

I use paypal a lot for transferring money between friends and families. If I can't use paypal I use my bank's bill pay to mail them a paper check.
by BuckyBadger
Thu Jun 19, 2014 8:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Electronic person-to-person payments
Replies: 19
Views: 1577

Re: [can you] shop at Costco [without a membership?]

Actually, I think you were right the first time. At the actual stores, they don't take credit cards, except for their own Costco AmEx. We welcome cash,* checks,* debit/ATM cards,** Costco Cash Cards, Costco Credit Cards**, EBT Cards and American Express Cards.** Checks may require picture identifica...
by BuckyBadger
Tue Jun 17, 2014 9:39 am
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 5511

Re: Netflix vs Amazon Prime?

We have both and find enough value in both services to continue to pay for them both.
by BuckyBadger
Wed May 28, 2014 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Netflix vs Amazon Prime?
Replies: 21
Views: 2562

Re: Thinking about buying an old Jeep Wrangler for fun

Have you found the 2001 to be a good year? In our price range, we're seeing a lot of 1997-2003 era cars, so right around that age.
by BuckyBadger
Wed May 28, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: Thinking about buying an old Jeep Wrangler for fun
Replies: 9
Views: 702

Re: Thinking about buying an old Jeep Wrangler for fun

We would do some off-roading if we got the Wrangler (have "crazy-Jeep" friends who would love to have us tag along) but it wouldn't *primarily* be an off-road car. We are not buying it with the primary intention being going off-roading.
by BuckyBadger
Wed May 28, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: Thinking about buying an old Jeep Wrangler for fun
Replies: 9
Views: 702

Thinking about buying an old Jeep Wrangler for fun

Our car situation changed a lot over the last two years, and the end result is that as of right now we have two cars - a Honda Element bought new in 2008/2009 that has ~50k miles on it, and a 2012 Volvo S60 bought used at the beginning of this year with ~27k miles on it. We own both of these cars ou...
by BuckyBadger
Wed May 28, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Thinking about buying an old Jeep Wrangler for fun
Replies: 9
Views: 702

Re: Rhetorical Question? How 4% inflation kills 401k and IRA

Okay, maybe I'm crazy, but I am TOTALLY missing your point. Inflation is real no matter if your money is in a tax advantaged account or not. So what's the problem? And as to your last comment, isn't all that you're saying is that you'll have more money in the end if you invest more in the beginning?...
by BuckyBadger
Tue May 20, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rhetorical Question? How 4% inflation kills 401k and IRA?
Replies: 40
Views: 2654

Re: Best way to send flowers?

I've had luck calling directly flower shops near where I'm trying to send flowers. I ask if they can deliver and when, then say that I'd like the best arrangement I can get for X amount of money. You usually can't see what you're getting ahead of time, but you get way more for your money because you...
by BuckyBadger
Thu May 08, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Best way to send flowers?
Replies: 15
Views: 1067

Re: Daughter getting married

My dad did the same sing for us - wrote us a check and said, "do with this what you will, but this is all you're getting."

Had we eloped, we could have kept the cash. (He mentioned this a few times :happy )

I think it's the perfect solution, personally.
by BuckyBadger
Thu May 01, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Daughter getting married
Replies: 57
Views: 5455
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