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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: 55
Views: 4105

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: 38
Views: 1753

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: 38
Views: 1753

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: 38
Views: 1753

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: 7022

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: 5593

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: 1706

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: 15
Views: 1167

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: 4841

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: 2482

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: 669

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: 669

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: 669

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: 2504

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: 1008

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: 5289

Re: Anyone been to Budapest?

We have been and returned. It was great! One day of poor weather put a crimp in a few of our plans, but i can't complain about much. We took hop-on-hop-off tours and a danube trip on the first day because the weather was too bad to walk around. The second day saw us take the funicular up to Castle H...
by BuckyBadger
Wed Apr 30, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Anyone been to Budapest?
Replies: 31
Views: 3924

Re: Mr. Money Mustache: Hero or Foolish?

I think MMM is unpleasant and abrasive, and his one-size-fits-all approach for "early retirement" is really annoying. His stance on cars is the thing that may drive me the most crazy. There are a few select cases I can think of where a couple can plan and execute the "no car, live clo...
by BuckyBadger
Wed Apr 23, 2014 11:26 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 33885

Re: Savings Rate what do you include?

With respect to employee match: I consider it (what is vested, of course) as part of my overall dollar amount of retirement savings. I do NOT include it as any sort of "percentage" savings. I do this because I think that if you say that you have a certain savings rate, it is implicit that ...
by BuckyBadger
Tue Apr 22, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 5459

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: 1218

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: 746

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: 746

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: 746

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: 13000

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: 31
Views: 3924

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: 3257

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: 1248

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: 3257

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: 629

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: 430

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: 9769

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: 9769

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: 3807

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: 1713

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: 1212

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: 2684

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: 1947

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: 1477

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: 5464

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: 571

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: 1874

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: 1497

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: 5092

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: 1779

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: 1326

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: 13326

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: 1946

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: 6022

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: 1946

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: 135
Views: 14802
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