Search found 579 matches

by BuckyBadger
Fri Jun 10, 2016 9:05 am
Forum: Personal Consumer Issues
Topic: alternatives to AOL
Replies: 34
Views: 1971

Re: alternatives to AOL

I'll admit - I had to double check the date on that post. I honestly didn't think AOL existed any more.

Go to gmail, especially if you have an android-based phone. Everything will be connected then and your life will be much easier!!
by BuckyBadger
Thu Jun 02, 2016 7:57 am
Forum: Investing - Help with Personal Investments
Topic: When do YOU rebalance?
Replies: 65
Views: 4334

Re: When do YOU rebalance?

I've rarely had to "actively" rebalance. Up to this point, changing the directions of my contributions to the under performing asset has been enough to keep everything within 5%. However my total account balance has been growing, so my contributions are becoming a smaller fraction of those...
by BuckyBadger
Mon May 16, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: buying pet food online
Replies: 38
Views: 1831

Re: buying pet food online

We use chewy for dog food. They eat an expensive brand due to sensitive tummies. I actually signed up for their auto ship option for the discount and so I don't have to worry about remembering dog food any more.

The cat food I get at Costco.
by BuckyBadger
Wed May 11, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Is investing only about sound, monetary decisions?
Replies: 16
Views: 1765

Re: Is investing only about sound, monetary decisions?

I don't think I understand your question. When I read the title I assume it was going to be about one of those special fund for people who don't want to invest in companies that they have some sort of ideological problem with. But that doesn't seem to be what you're asking? Investing is a subset of ...
by BuckyBadger
Tue Apr 26, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: Moths. not burglars, activate lights
Replies: 18
Views: 1544

Re: Moths. not burglars, activate lights

We just keep the floods on all night. They're situated so as to not shine in anyone's bedroom windows (us or neighbors) so we have them turn on at dusk and turn off at dawn.

It makes us feel better, at least!
by BuckyBadger
Thu Apr 07, 2016 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Owe on state taxes - send in voucher?
Replies: 8
Views: 740

Re: Owe on state taxes - send in voucher?

Actually moved to NC - but am a badger at heart!

Anyone from NC available to weigh in?
by BuckyBadger
Thu Apr 07, 2016 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Owe on state taxes - send in voucher?
Replies: 8
Views: 740

Owe on state taxes - send in voucher?

We owed $8 on my state taxes this year - I've never owed before. There was a voucher that I could have printed out at the end of doing my taxes that said "mail in with your payment." But somewhere else on the document it said something along the lines of it not being needed if you submitte...
by BuckyBadger
Thu Apr 07, 2016 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3168

Re: Is TLH too much work for you?

I've decided that it is too much work for me, so I don't do it. I have a super simple 3 fund portfolio, I rebalance when it's out of whack by more than 5%, and I have an IPS statement that tells me where my glidepath should be. I do all those things "right," so I think that's good enough. ...
by BuckyBadger
Mon Feb 01, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Manual can opener recommendation
Replies: 45
Views: 3367

Re: Manual can opener recommendation

Perhaps I've had a lot of bad luck, or perhaps it's just the giant cans we have to open, but I've had a LOT of trouble finding a good can opener. We go through 4 cups of green beans a day on the dogs food, so we get the big cans from Costco, and it's been really difficult getting an opener that cont...
by BuckyBadger
Mon Feb 01, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Buy a bigger vehicle to grow into?
Replies: 28
Views: 2028

Re: Buy a bigger vehicle to grow into?

What is your second car? (If you have one, that is!)
by BuckyBadger
Fri Jan 29, 2016 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Do you listen to or watch Financial entertainment?
Replies: 16
Views: 728

Re: Do you listen to or watch Financial entertainment?

Nope. The only way I know the market is doing something interesting is when people start yammering on about it on these boards!

I update balances once a month and other than that do nothing. Everything is automatic and nothing changes this.
by BuckyBadger
Fri Jan 29, 2016 11:39 am
Forum: Personal Finance (Not Investing)
Topic: What age did you start maxing out your retirement contributions?
Replies: 65
Views: 5665

Re: What age did you start maxing out your retirement contributions?

For whatever its worth, We began maxing at around age 29 or 30. We pretty much went from zero to maxing in a year, since we had both been graduate students. We went from making about $20k a year to making over $100k each of us so it was easy. We maxed Roths, 401ks, and started taxable accounts earma...
by BuckyBadger
Thu Jan 21, 2016 10:49 am
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 92
Views: 9112

Re: Amazon Prime: doing the math...is it worth it?

If you really don't use any of the other services I could see how it might not be worth it for you. We, on the other hand, do use them. We use prime music, streaming video, and kindle books. We even have Alexa, who is getting better and better every day. I do like that you can now swap super fast sh...
by BuckyBadger
Thu Jan 21, 2016 10:41 am
Forum: Investing - Help with Personal Investments
Topic: When is an HSA account no longer worth it?
Replies: 21
Views: 2213

Re: When is an HSA account no longer worth it?

We had almost exactly the same question - we were both on his high deductible plan, which was great because we were in our early 30s with no health problems. We've decided to start "trying" so I've gone onto my company's traditional plan but he's stayed with the high deductible offered thr...
by BuckyBadger
Thu Jan 21, 2016 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Boring investing - nothing to report until my first rebalance!
Replies: 7
Views: 481

Re: Boring investing - nothing to report until my first rebalance!

I also pay little attention. I'd be quite happy to not pay any attention at all except for the beginning of the month when I log in to type a few numbers in a simple spreadsheet that shows how close I am to my target AA. With SO MANY people talking about the market tanking, though, I couldn't preten...
by BuckyBadger
Thu Jan 21, 2016 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Boring investing - nothing to report until my first rebalance!
Replies: 7
Views: 481

Boring investing - nothing to report until my first rebalance!

After setting up my 3 fund lazy portfolio several years ago I've felt quite bored. There's nothing to post about on these boards when you're simply shoveling money into Total US Stock, Total Bond, and Total International. And up until now I've manged to keep my AA in check simply by tweaking my cont...
by BuckyBadger
Fri Jan 15, 2016 11:14 am
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 5912

Re: What's your company 401k contribution

There's a complicated formula (X% on the first Y of salary, Z% on salary above Y - and so on and so forth) but for my salary it comes out overall to about an 11% contribution. And it's contributed no matter if I contribute or not, so it's not a match. When taking this job I considered it to be compe...
by BuckyBadger
Tue Jan 12, 2016 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to my Roth IRA as scheduled or not?
Replies: 2
Views: 379

Re: Should I contribute to my Roth IRA as scheduled or not?

Of course you should. I just did mine. I invested $13k in January, yet my account totals went down by $20k. I'm unconcerned. Don't try to time the market. Put the money in when you have it. The total value of a Roth - $5500 - is a drop in the bucket. It's not like you're contemplating investing $500...
by BuckyBadger
Tue Jan 12, 2016 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on how to invest $5000 each month
Replies: 15
Views: 2622

Re: Advice on how to invest $5000 each month

Not enough information. Personally, I invest about $7k a month in my three fund lazy portfolio according to my asset allocation - determined by my age, risk tolerance, and future plans. I invest this money no matter what is going on in the market. Is that the right thing for you to do? I have absolu...
by BuckyBadger
Tue Jan 05, 2016 12:46 pm
Forum: Personal Consumer Issues
Topic: How often does your credit card # get stolen?
Replies: 73
Views: 4208

Re: How often does your credit card # get stolen?

It's only happened to H and me twice in several decades. I noticed the fraudulent charge on the statement, called immediately to contest, charge immediately removed and we were immediately sent new cards. If it were happening more often I'd probably opt for credit freeze What part of that would mak...
by BuckyBadger
Tue Jan 05, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: How often does your credit card # get stolen?
Replies: 73
Views: 4208

Re: How often does your credit card # get stolen?

plantdr wrote:It's a pain because your card is out of commission for weeks. I lost out on a lot of rewards because of it.


Yowsers. It's never taken me more than 3 days to get a new card!
by BuckyBadger
Tue Jan 05, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Waste of money? [High-end home theater]
Replies: 140
Views: 9120

Re: Waste of money? [High-end home theater]

My husband is a real audiophile, but he's also cheap. I finally was able to encourage him to spend a fair amount of money on a really nice sound setup. Good high quality speakers will last a long time and sound great. Electronics will have to be upgraded as technology changes. We spent about $5-$6k ...
by BuckyBadger
Tue Jan 05, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: How often does your credit card # get stolen?
Replies: 73
Views: 4208

Re: How often does your credit card # get stolen?

I had two cards compromised about 15 years ago, but that's about it. Maybe I'm lucky? OTOH my Discover card has been reissued various times when companies I do business with (e.g. Home Depot) were hacked. You know what - now that I think about it I believe one of these instances was for the same re...
by BuckyBadger
Tue Jan 05, 2016 10:27 am
Forum: Personal Consumer Issues
Topic: How often does your credit card # get stolen?
Replies: 73
Views: 4208

How often does your credit card # get stolen?

After getting the dreaded "did you spend $609 in Paris yesterday" call the other morning, I'm now in the process of changing my credit card number at all the places where I have automatic payments set up. I've done it enough that I have a checklist with everything on it. But I'm wondering ...
by BuckyBadger
Tue Jan 05, 2016 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 10693

Re: Savings % Target 2016?

I'm not sure what the percentage is exactly, as there isn't really an "accepted" metric. I go for a $ value. A few years ago we were able to put away a nice chunk of change - one that should allow us to retire early. (By "normal" standards, not by MMM standards...) We're in our m...
by BuckyBadger
Wed Oct 14, 2015 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Opening new Roth IRA for high income earners
Replies: 10
Views: 591

Re: Opening new Roth IRA for high income earners

Your phrasing makes me thing you're incorrect in what your planning, so let me be explicit: A "backdoor Roth" means contributing to a non deductible traditional IRA, then converting that money (i.e. $5500) to a Roth. It sounds to me like you thing you convert a traditional IRA *account* to...
by BuckyBadger
Wed Oct 14, 2015 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Best way to title accounts for married couples
Replies: 9
Views: 1501

Re: Best way to title accounts for married couples

Nearly everything we buy (especially cars) is in my name because I always fill out the paperwork because I have better handwriting...

So that's apparently how we do things!
by BuckyBadger
Wed Oct 14, 2015 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Fair share of expenses for spouses?
Replies: 100
Views: 9924

Re: Fair share of expenses for spouses?

I hear it enough that it must be true - but I just can't imagine being retired if my husband weren't. The point of (at least my) retirement will be to do things when I want to do them - to travel, to do our acticities, to go on adventures... I neither want to do them alone, nor do I want to do them ...
by BuckyBadger
Mon Oct 05, 2015 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Legal marriage before wedding for tax/benefits?
Replies: 55
Views: 3982

Re: Legal marriage before wedding for tax/benefits?

I can see that the question might sound a bit desperate for $2k, but with losing about $10k of her income, every bit helps. This is kind of an interesting statement, though, coupled with your previous statement that your fiance wants an "industry average" cost wedding. I wouldn't have a p...
by BuckyBadger
Fri Sep 18, 2015 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Fair share of expenses for spouses?
Replies: 100
Views: 9924

Re: Fair share of expenses for spouses?

Full disclosure: we're a one pot family. I (the wife) make about 30% more than my husband does. I do always wonder how these sorts of arrangements work as the income disparity increases. Does the lower income spouse not max out tax-advantaged space because he or she don't earn enough? If a teacher m...
by BuckyBadger
Fri Jul 10, 2015 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Does Anyone Plan to Work Past 70 years of Age
Replies: 63
Views: 6791

Re: Does Anyone Plan to Work Past 70 years of Age

I/we hope to retire between 50 and 55. I have plenty of things I'd like to do to fill my day, and there are lots of people going to school to do what I do. My job actually *does* help people and society as a whole, but there's no reason that I have to be the one to do it. Let a young gun take over f...
by BuckyBadger
Thu Jul 09, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: How to pay for school?
Replies: 5
Views: 903

Re: How to pay for school?

Remembering your other posts correctly (I think), aren't you already working 4 jobs? And doing primary childcare? And your older husband is retiring? And you want three more kids? I would be more concerned about the time it would take you to get the degree, and the money lost while doing so. Is your...
by BuckyBadger
Tue Jun 16, 2015 7:10 am
Forum: Personal Consumer Issues
Topic: Amazon Add-On Items: Can you buy without spending $25?
Replies: 19
Views: 4791

Re: Amazon Add-On Items: Can you buy without spending $25?

I've had great experiences with Amazon's online customer service. I'd log in ans ask Amazon what they might recommend.
by BuckyBadger
Mon Jun 01, 2015 12:01 pm
Forum: Personal Consumer Issues
Topic: Carpeting stairs
Replies: 18
Views: 3912

Re: Carpeting stairs

Little feet (human and animal) have an easier time with carpeted stairs. Our whole house is hardwood, but we kept the stairs carpeted for our dogs - one who is aged.

This is obviously not a consideration for everyone.
by BuckyBadger
Mon Jun 01, 2015 10:24 am
Forum: Personal Consumer Issues
Topic: Best way to learn tennis for adult
Replies: 29
Views: 2956

Re: Best way to learn tennis for adult

Tennis is a great sport that can be played at at least some level for much of your adult life. There are indeed lots of older men and women enjoying social doubles into their 60s at least and some even further. The 55+ leagues are packed with teams - even more than the 18+, sometimes. Apart from ten...
by BuckyBadger
Fri May 22, 2015 12:32 pm
Forum: Personal Consumer Issues
Topic: South Bend to Chicago to Milwaukee
Replies: 18
Views: 1743

Re: South Bend to Chicago to Milwaukee

I've driven between South Bend and Chicago probably 100 times. There is nothing that prompted me to want to exit the highway.

I just white-knuckle it through Gary and pray I don't get a flat tire.
by BuckyBadger
Wed May 20, 2015 1:12 pm
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 4098

Re: How should drivers react to bicycle riders on one lane roads?

Ok, at the risk of sounding like I'm in the anti-bicycling camp (which I'm not), I felt the need to address a few things here. While I respect (and even personally embrace) the overall movement towards more cycling and less driving, the cyclists need to remember that the roads were originally built...
by BuckyBadger
Wed May 20, 2015 9:29 am
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 4098

Re: How should drivers react to bicycle riders on one lane roads?

Like it or not, cyclists are legally entitled to the road. Many cyclists will ride in the center of a lane specifically to discourage unsafe (meaning dangerous to them) passing. If you can't pass them safely, you need to wait until you can - especially when we're talking about crossing a double yell...
by BuckyBadger
Wed May 20, 2015 8:51 am
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 4098

Re: How should drivers react to bicycle riders on one lane roads?

Would it be too much to ask that bicyclists delaying a parade of cars move over and let them pass? Bicyclists often seem to be an angry, entitled group and passive aggressive lane blocking doesnt help relations between the conveyance classes. Yes, it would be too much to ask. Cyclists are entitled ...
by BuckyBadger
Wed May 20, 2015 8:27 am
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 4098

Re: How should drivers react to bicycle riders on one lane roads?

To the OP: Do you seriously wait for miles and miles going 15 MPH behind a cyclist on a double yellow lined two lane road? I find that very hard to believe - if so, you're very committed to those lines :D Well, I can tell you, as a cyclist...yes they do. I was a avid cyclist for a number of years -...
by BuckyBadger
Wed May 20, 2015 8:23 am
Forum: Personal Consumer Issues
Topic: Questioning a Dentist?
Replies: 43
Views: 4727

Re: Questioning a Dentist?

Agree with those who said get a second opinion - or see your old guy. I moved to a new town so had to get a new dentist. I had had ONE cavity in my entire life. The new dentist said I had 8 cavities that she wanted to fill. I freaked out and went to a different place. There they recommended one fill...
by BuckyBadger
Wed May 20, 2015 8:11 am
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 4098

Re: How should drivers react to bicycle riders on one lane roads?

What most people have said it correct - wait patiently until there is room to pass and then pass, leaving plenty of room for the cyclist. The worst thing to do is to try and "squeeze" past the cyclist. Also remember to not dart ahead of the cyclist only to slow way down to turn right. That...
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: 1074

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 12:22 pm
Forum: Personal Consumer Issues
Topic: Should I worry about being taken to collections?
Replies: 20
Views: 2656

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 Mar 12, 2015 11:59 am
Forum: Personal Consumer Issues
Topic: Anyone ever use a closet design company?
Replies: 22
Views: 2509

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 10:43 am
Forum: Personal Consumer Issues
Topic: Anyone ever use a closet design company?
Replies: 22
Views: 2509

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
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: 10794

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
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: 10794

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 Jan 16, 2015 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Benefits of Second Home
Replies: 35
Views: 3868

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
Tue Jan 13, 2015 12:19 pm
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 6945

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...

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