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Re: I don't understand whether there are costs to rebalancin

Do you have other accounts that ARE tax advantaged? It's maybe not enough space if you are suddenly dropping a cool million into taxable accounts, but if it's a smaller amount, you can rebalance your tax advantaged accounts to take into account what's going on in your taxable account. For example, I...
by BuckyBadger
Wed Apr 16, 2014 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: I don't understand whether there are costs to rebalancing
Replies: 16
Views: 1072

Re: New bond funds in HSA - should I switch?

Here is everything else. NATURAL RESOURCES FMFTX FIDELITY ADVISOR MATERIALS T Active 1.42% SMALL GROWTH SASMX CLEARBRIDGE SMALL CAP GROWTH A Active 1.24% INTERMEDIATE-TERM BOND CMPIX PRINCIPAL INCOME A Active 0.90% SHORT-TERM BOND New MWLDX METROPOLITAN WEST LOW DURATION BOND M Passive 0.57% WORLD B...
by BuckyBadger
Thu Apr 03, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: New bond funds in HSA - should I switch?
Replies: 16
Views: 637

Re: New bond funds in HSA - should I switch?

Nearly everything else is an active fund with an ER over 1%. Does this advice still stand?
by BuckyBadger
Thu Apr 03, 2014 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: New bond funds in HSA - should I switch?
Replies: 16
Views: 637

New bond funds in HSA - should I switch?

I currently have my HSA invested in a bond fund with the lowest ER I could find at the time. It was the fund recommended to others on the board when the HSA that I (and others) have took away a nice Total US Stock fund with an ER of 0.10%. I just saw that they have three new bond funds available and...
by BuckyBadger
Thu Apr 03, 2014 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: New bond funds in HSA - should I switch?
Replies: 16
Views: 637

Re: Expensive hobbies and possessions? (B/c you can...)

Horses. Show horses. Very :moneybag :moneybag :moneybag , but very :happy :happy :happy
by BuckyBadger
Tue Apr 01, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 9143

Anyone been to Budapest?

Good afternoon! My husband and I are going to be travelling to Budapest for a few days in April and I was hoping for some advice. We're in Vienna for a conference and will be spending a couple days there after the conference is over. After that we'll take a train to Budapest for four nights in the C...
by BuckyBadger
Wed Mar 26, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Anyone been to Budapest?
Replies: 28
Views: 1983

Re: Saving a % of income vs saving a $ amount?

You told him he should have access to these things. I contend that he should NOT necessarily have access all those things. Perhaps it would have been wise to have worded your first post differently, since I was not the only person to get the same impression. Also, calling him "young man" i...
by BuckyBadger
Wed Mar 26, 2014 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Saving a % of income vs saving a $ amount?
Replies: 23
Views: 3024

Re: Best Mortgage Type for 1st-timers: 30-YR Fixed?

The nice thing about a normal 30 year fixed is that there isn't anything stopping you from paying it off as if it were a shorter-term loan. But you also have the flexibility to go back to the 30 year payments if you have changes in your life, a lay off, or other savings goals for a period of time. W...
by BuckyBadger
Tue Mar 25, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage Type for 1st-timers: 30-YR Fixed?
Replies: 19
Views: 1182

Re: Saving a % of income vs saving a $ amount?

This is a very good thread: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=135136 that demonstrates a variety of ways to decide how much to save. It really doesn't matter if you consider it a % or a set $ amount. Just make sure you know why you're doing what you're doing - and that it give...
by BuckyBadger
Tue Mar 25, 2014 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving a % of income vs saving a $ amount?
Replies: 23
Views: 3024

Re: Best app to track stocks?

Any suggestions? Yeah - how about you don't track them? You're certainly not going to do anything based on that information, right? So why not avoid the emotional pendulum swings all together and only check your accounts monthly? Based on your history of posts on this board I think it would be good ...
by BuckyBadger
Tue Mar 25, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Best app to track stocks?
Replies: 5
Views: 566

Re: Accounts with no new contributions - how often to rebala

Many people use bands, i.e. don't rebalance until you're 5% out of whack. That is what my IPS calls for, although I contribute to all three funds in active 401k and 403b accounts, so I haven't ever hit a band yet.

1.1% is probably not a big enough swing to trigger any action. At least not for me.
by BuckyBadger
Tue Mar 25, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Accounts with no new contributions - how often to rebalance?
Replies: 4
Views: 407

Re: How did you decide how much to save?

Yeah, in hindsight that was a pretty insane statement. Hanging around on this board really does skew your perspective of what "normal" saving is... We aren't depriving ourselves of too much, I don't think! We aren't house-poor, which I think helps a lot. Our house cost less than twice our ...
by BuckyBadger
Fri Mar 21, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9159

Re: How did you decide how much to save?

We got a late start because we both spent some peak earning years getting our PhDs. But the nice thing was that we quadrupled our salaries overnight and were still used to a grad student standard of living. We'd contributed a little bit to Roths while in school, but once we got "real" jobs...
by BuckyBadger
Fri Mar 21, 2014 10:46 am
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9159

Re: Net Worth Calculation

I like to use a conservative net worth, so I include the purchase price of my house as "asset" and the remainder of my mortgage as "liability," or "debt." I don't include our cars, even though they are worth probably $35k together and we have no loans on them. I do this...
by BuckyBadger
Thu Mar 13, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation
Replies: 37
Views: 3535

Re: Stay or move is the financial question.

Thanks all for your comments. How do people live in the bay area? I looked at Forbes.com for median income of 2012 and San Francisco is $77,693 and Dallas is $60,383. If it is so much more expensive than Dallas then median income doens't say so. You have to scale that, though. That's actually about...
by BuckyBadger
Wed Mar 12, 2014 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Stay or move is the financial question.
Replies: 21
Views: 1555

Re: Stock pickers' market?

What's that saying?

"A rising tide floats all ships?"

I would imagine that when practically everything is rising, practically everything you "pick" would be rising, too.

These are dangerous times we live in.
by BuckyBadger
Tue Mar 11, 2014 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: Stock pickers' market?
Replies: 19
Views: 1190

Re: % of annual income saved compared to final portfolio goa

We're at 2.4%.

Our ISP includes increasing our savings goal by 3% every year, though, so as we get closer to our goal our percentage should continue to increase.
by BuckyBadger
Mon Mar 10, 2014 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: % of annual income saved compared to final portfolio goal
Replies: 33
Views: 2643

Re: 401 match (poll)

My old job gave me a fairly standard 3% match. When I took my new job, part of the reason I took it was that even though I didn't get a raise in salary, the new job included a generous contribution regardless of if I contributed or not. There is a complicated calculation (so much percent of your sal...
by BuckyBadger
Sun Mar 09, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: 401 match (poll)
Replies: 33
Views: 1770

Re: Trading Authorization on Wife's Account?

It's not something that we ever considered to be necessary in our case. "Trading" in our IRAs typically consists of two transactions per person per year: 1) a non-deductible contribution, followed by 2) a conversion to Roth. Since I handle these transactions for both of us, when I need to...
by BuckyBadger
Wed Mar 05, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: Trading Authorization on Wife's Account?
Replies: 40
Views: 1371

Re: How Many Funds Do You Have in Taxable?

I'm surprised no one has said they own Total Bond Market in taxable. I would have guessed that was a popular one. Seems many people are choosing tax-exempt bond funds instead. Wouldn't you only need bonds in taxable if you had already filled your tax-advantaged funds with bonds? I always followed t...
by BuckyBadger
Wed Mar 05, 2014 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 4888

Re: No car, moving for a 3-mth assignment, cheapest car opti

Perhaps you could take over someone's lease for 3-4 months? I don't have any first hand experience, but I know that people use sites such as this one: swapalease.com to get out of leases early, or to get into a very short term lease. I think I only know about it from this board, actually. Someone wa...
by BuckyBadger
Wed Mar 05, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: No car, moving for a 3-mth assignment, cheapest car option?
Replies: 12
Views: 526

Re: Buying a Car while in Debt

How about option C - a new car that costs less than $30-35k. There are a LOT of very nice new cars for well under $30k with lots of features.

What do you need exactly that you have to spend $35k to get new?
by BuckyBadger
Tue Mar 04, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Buying a Car while in Debt
Replies: 26
Views: 1788

Re: Acura RDX vs Volvo XC 60

I drove both those cars in my latest search. I positively HATED the way the RDX drove. Felt very "trucky" to me, which is not what I wanted. Liked the Volvo feel and drive better, as well as the visibility. Was leaning toward the XC when we decided that we didn't really *need* a second SUV...
by BuckyBadger
Mon Feb 24, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX vs Volvo XC 60
Replies: 13
Views: 1203

Re: Wanting to know if this financial situation is feasible

Did the OP state that they had a job now or even if they have ever worked before? I don't *think* the OP has ever worked, although that wasn't stated explicitly. She never finished college due to meeting her husband, and there was no mention of any of her own SS benefits. There was no indication of...
by BuckyBadger
Wed Feb 19, 2014 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wanting to know if this financial situation is feasible
Replies: 73
Views: 4913

Re: Closets etc for new home

I did the closets in our old house and our new house with Easy Closets. Love their online design tool and it was super easy to put up. Everything mounts on a real so essentially all you have to do is make sure that thing is level and secure and then you just hang everything. High quality and a reaso...
by BuckyBadger
Sun Feb 09, 2014 1:02 am
 
Forum: Personal Consumer Issues
Topic: Closets etc for new home
Replies: 17
Views: 1654

Re: How happy are you with your insurance company?

I have Amica and am 100% happy with them. They are consistently ranked #1 or #2 out of insurance companies and they deserve it.

I had a claim with them in 2003 and they earned a customer for life.
by BuckyBadger
Mon Feb 03, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: How happy are you with your insurance company?
Replies: 20
Views: 1227

Re: Not happy with market

The stock market went down? Hmm. Over the last week I contributed $7200 to my taxable account (Total International Stock) and maxed out two backdoor Roth's (Total US Stock). Not once in the course of those transactions did I even LOOK to see what the market was doing. $18,200 in and not a speck of w...
by BuckyBadger
Thu Jan 30, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not happy with market
Replies: 148
Views: 13085

Re: Does anyone have a bat house?

You can even get one of these if you don't want to go to any trouble at all:


http://www.batmanagement.com/Ordering/b ... atcan.html
by BuckyBadger
Thu Jan 30, 2014 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone have a bat house?
Replies: 31
Views: 1831

Re: Download your "paperless statements" frequently

It would never occur to me that I would be able to view online statements for accounts that I had closed. I would definitely plan on downloading everything before closing the account.
by BuckyBadger
Thu Jan 30, 2014 11:01 am
 
Forum: Personal Consumer Issues
Topic: Download your "paperless statements" frequently
Replies: 42
Views: 4343

Re: Does anyone have a bat house?

Thanks for the comments, everyone - and I'm glad that I could introduce the concept to some of you. I'm not a huge conservationist or anything, but somehow I stumbled upon the idea of bat houses and it really interested me. The crazy jurrasic-park style bugs that I now see down here in North Carolin...
by BuckyBadger
Thu Jan 30, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: Does anyone have a bat house?
Replies: 31
Views: 1831

Re: Bonds - Throw it all on the table!!!

1) List the bond funds, individual bonds, CD's, etc. that you invest in Vanguard Total US Bond index 2) In which account what fixed income securities are held Mostly in His 401k. Some in Her 403b because it's easier to tweak my allocation for on-the-fly rebalancing. 3) Allocation as a percentage of ...
by BuckyBadger
Thu Jan 30, 2014 10:42 am
 
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 84
Views: 7445

Re: Need advice to train 5-years old investor

Talisker wrote:This is slightly off track, but this is what we are doing with our 10 and 12 year old kids that have an interest in business and making money.


I absolutely LOVE this!
by BuckyBadger
Wed Jan 29, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice to train 5-years old investor
Replies: 30
Views: 1791

Does anyone have a bat house?

I've been thinking about installing a bat house. We have what I think is a good area with woods and a little stream nearby, but I'm not sure I can convince my husband to mount it to the house. I'd like to put it on one of the trees in the little wooded greenway area behind our house. Does anyone hav...
by BuckyBadger
Wed Jan 29, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone have a bat house?
Replies: 31
Views: 1831

Re: Best Comfort and Best Workout Clothes

Good lord - I would never work out in cotton *anything.*
by BuckyBadger
Fri Jan 24, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Best Comfort and Best Workout Clothes
Replies: 28
Views: 2753

Re: Spare SUV vehicle - Snow Travel

I also recommend a subaru. Excellent reliability and resale value.
by BuckyBadger
Sat Jan 18, 2014 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Spare SUV vehicle - Snow Travel
Replies: 26
Views: 1473

Re: Is living without credit cards a dangerous idea?

[quote="Runner01"]If you use your debit card like a credit card (no pin) you receive the same zero liability protections from Visa/Mastercard as a regular credit card would.[quote]

I didn't think this is true. Are you sure?
by BuckyBadger
Thu Jan 16, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is living without credit cards a dangerous idea?
Replies: 66
Views: 2885

Re: Is living without credit cards a dangerous idea?

If you want a mortgage in 10 years I wouldn't cancel any of the cards. Just use them every 6 months to keep them active. Otherwise (depending on the limits) your credit could take a major hit. Also, you say you use debit cards for everything. I would seriously consider switching that to credit cards...
by BuckyBadger
Thu Jan 16, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is living without credit cards a dangerous idea?
Replies: 66
Views: 2885

Re: New car now?

dgdevil wrote:I thought new cars would be verboten in Bogleville - instant depreciation and all that stuff.


"New" often doesn't mean "brand new," rather simply "new to me."

I think the OP understands that.
by BuckyBadger
Wed Jan 01, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: New car now?
Replies: 44
Views: 2424

Re: New car now?

Does the car have ESC? I wouldn't put my (hypothetical) toddler in a 1999 anything unless I didn't have any other choice.

Safety DOES advance, and those advances have value.
by BuckyBadger
Tue Dec 31, 2013 4:34 pm
 
Forum: Personal Consumer Issues
Topic: New car now?
Replies: 44
Views: 2424

Re: Have any of you dollar cost averaged in over 5 years

Not on purpose. 401k/403b contributions are DCA, but only because they have to be. ROTH is done in January all in one chunk. Taxable investing is done in a few chunks throughout the year as I see where we are as far as unexpected expenses. The only chance I had to make that sort of choice was with ~...
by BuckyBadger
Tue Dec 31, 2013 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have any of you dollar cost averaged in over 5 years
Replies: 38
Views: 2352

Re: Desired portfolio size at retirement?

The part that always interest me is if people are planning to live off the returns from their investments while there is some additional risk for additional years it is much different than if you plan to die with $0. In other words if you feel a portfolio will bascially return inflation plus 4% so ...
by BuckyBadger
Tue Dec 31, 2013 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Desired portfolio size at retirement?
Replies: 41
Views: 3426

Re: Car waxing discounts at the car wash - worth it?

LAlearning wrote:Why would you clean the undercarriage?....ponder that.


Is that a trick question?

Salt.
by BuckyBadger
Tue Dec 31, 2013 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Car waxing discounts at the car wash - worth it?
Replies: 13
Views: 982

Re: Desired portfolio size at retirement?

Also age of desired retirement. We'd like to retire before we're 55. We're going to need more money to stretch since we'll have fewer working years and more retirement years for which we'll have to pay. I would like to hear more detail on your thinking here. Simple. If I work until I'm 50 and die w...
by BuckyBadger
Tue Dec 31, 2013 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Desired portfolio size at retirement?
Replies: 41
Views: 3426

Re: Desired portfolio size at retirement?

Also age of desired retirement. We'd like to retire before we're 55. We're going to need more money to stretch since we'll have fewer working years and more retirement years for which we'll have to pay.
by BuckyBadger
Tue Dec 31, 2013 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Desired portfolio size at retirement?
Replies: 41
Views: 3426

Re: Adopting a rescue greyhound

My mother ALWAYS wanted to adopt a greyhound but we somehow always ended up rescuing something else before we had a chance. My understanding follows much of what others have said - they are excellent house dogs and will run VERY fast VERY briefly and then enjoy curling up on the couch the rest of th...
by BuckyBadger
Tue Dec 31, 2013 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Adopting a rescue greyhound
Replies: 17
Views: 994

Extra large king blankets

We have a 95# dog who sleeps between us in our king sized bed. As you can image, this makes the blankets seem a bit too small on the sides and both my husband and myself end up with one leg hanging out and freezing. I've started overlapping two king sized blankets to allow for more overhang, but I'm...
by BuckyBadger
Tue Dec 31, 2013 11:42 am
 
Forum: Personal Consumer Issues
Topic: Extra large king blankets
Replies: 4
Views: 445

Re: Bed sheets like they used to be?

Nuvoletta, I have researched this topic extensively (and expensively) and I strongly recommend that you buy yourself a set of sferra "celeste" percale sheets. They are not cheap and very difficult to find on sale but they are durable and incredibly soft. Occasionally, you can find a new s...
by BuckyBadger
Tue Dec 31, 2013 11:39 am
 
Forum: Personal Consumer Issues
Topic: Bed sheets like they used to be?
Replies: 41
Views: 3647

Re: What is your winter thermostat setting (while you are up

We have three separate heating zones, so we leave the third floor (media/"weekend"/football room) thermostat off unless we're actually up there. We can cool it off (from about 83, the hottest it tends to get in the summer) or warm it up (from 62, the coldest it tends to get in the winter) ...
by BuckyBadger
Tue Dec 31, 2013 11:33 am
 
Forum: Personal Consumer Issues
Topic: What is your winter thermostat setting (while you are up)?
Replies: 116
Views: 8019

Re: Credit Freeze

I followed the very clear instructions on the Clark Howard website and froze my and my husband's credit in the beginning of this year. The price is actually $0 to $10 per credit bureau, depending on you state. It's easy to keep track of the pin numbers - I have all six of them and the corresponding ...
by BuckyBadger
Fri Dec 27, 2013 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze
Replies: 18
Views: 1573

Re: What are your financial goals for 2014?

1. Contribute $82,400 to retirement accounts: 403b, 401k, match on both, 2 backdoor Roth IRAs, HSA, and top off the $82,400 in the taxable account.

2. Naturally rebalance my 3 fund lazy portfolio using new contributions.

3. Ignore the noise.
by BuckyBadger
Fri Dec 27, 2013 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are your financial goals for 2014?
Replies: 56
Views: 4047
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