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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 - Help with Personal Investments
Topic: Apple Stock - Seems great, right?
Replies: 105
Views: 9627

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: 55
Views: 15611

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: 4532

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: 5976

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: 20
Views: 1065

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: 628

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: 20
Views: 1065

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: 650

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: 650

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: 946

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: 1336

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: 25323

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: 4533

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: 4533

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: 4533

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: 2689

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: 5055

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: 2244

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: 2244

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: 2244

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: 2244

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: 764

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: 1013

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: 7081

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: 6411

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 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2340

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 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I reduce my *retirement* savings rate?
Replies: 35
Views: 3375

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 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 8747

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 8:03 am
 
Forum: Personal Finance (Not Investing)
Topic: HDHP/HMO with potential baby?
Replies: 4
Views: 504

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 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: HDHP/HMO with potential baby?
Replies: 4
Views: 504

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 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 16457

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 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 16457

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 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS website - credit freeze
Replies: 7
Views: 1070

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 9:57 am
 
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 55
Views: 3971

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 9:53 am
 
Forum: Personal Consumer Issues
Topic: Jack and Jill Bathroom a problem?
Replies: 18
Views: 1976

Re: pet tags?

We do our tags at PetCo, as well.
by BuckyBadger
Mon Sep 22, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: pet tags?
Replies: 8
Views: 675

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 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Anyone know anything about diamond rings?
Replies: 49
Views: 2011

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 11:46 am
 
Forum: Personal Consumer Issues
Topic: Anyone know anything about diamond rings?
Replies: 49
Views: 2011

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 11:39 am
 
Forum: Personal Consumer Issues
Topic: Anyone know anything about diamond rings?
Replies: 49
Views: 2011

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 10:28 am
 
Forum: Personal Consumer Issues
Topic: Anyone know anything about diamond rings?
Replies: 49
Views: 2011

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 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 14043

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 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: nuts and bolts of rolling over 403b
Replies: 9
Views: 650

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 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: nuts and bolts of rolling over 403b
Replies: 9
Views: 650

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 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k - short term trading between stock and bonds
Replies: 8
Views: 351

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 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: rebalancing spreadsheet
Replies: 11
Views: 803

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 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Experiences with concrete lifting
Replies: 9
Views: 774

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 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8325

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 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Experiences with concrete lifting
Replies: 9
Views: 774

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 3:17 pm
 
Forum: Personal Consumer Issues
Topic: About to Order my first Mini Cooper S
Replies: 19
Views: 1307
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