Search found 592 matches

by BuckyBadger
Sun Nov 19, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: ETA: I can't do math. Question rescinded. ** Which flight would you recommend? (Premium economy vs business)
Replies: 7
Views: 326

ETA I can't math. Question rescinded. ** Re: Which flight would you recommend? (Premium economy vs business)

ETA: Ignore this whole post - apparently I was wrong by a factor of two when I clicked all the way through. Business class *is* about $4k. I neglected to double it. Premium Economy it is! ************** I'm looking at an opportunity to be able to buy an upgraded seat for an upcoming trip from RDU t...
by BuckyBadger
Sun Nov 19, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: ETA: I can't do math. Question rescinded. ** Which flight would you recommend? (Premium economy vs business)
Replies: 7
Views: 326

Re: Which flight would you recommend? (Premium economy vs business)

That price for business doesn't sound right, but who knows. For real expertise on this I would post here: https://www.flyertalk.com/forum/delta-air-lines-skymiles-665/ or here: https://www.flyertalk.com/forum/virgin-atlantic-airways-flying-club-506/ Yeah - I was wrong... But it's 60k miles and it l...
by BuckyBadger
Sun Nov 19, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: ETA: I can't do math. Question rescinded. ** Which flight would you recommend? (Premium economy vs business)
Replies: 7
Views: 326

Re: Which flight would you recommend? (Premium economy vs business)

Is the RDU - LHR flight is AA176, then it should be on the 772. Those have the lie flat seat pods in J (J is tbefsre code often used for Business)and are a good product. You would probably get more details than you could ever need if you ask this over on Flyertalk. I popped over there an got a bit ...
by BuckyBadger
Sun Nov 19, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: ETA: I can't do math. Question rescinded. ** Which flight would you recommend? (Premium economy vs business)
Replies: 7
Views: 326

ETA: I can't do math. Question rescinded. ** Which flight would you recommend? (Premium economy vs business)

ETA: Ignore this whole post - apparently I was wrong by a factor of two when I clicked all the way through. Business class *is* about $4k. I neglected to double it. Premium Economy it is! ************** I'm looking at an opportunity to be able to buy an upgraded seat for an upcoming trip from RDU to...
by BuckyBadger
Tue Nov 07, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 9642

Re: Disposable income... how?

I also find this a bit hilarious: Then you go on to list a $450 new car payment AND "we haven't bought a second car yet but need to next year" ... meaning within a year you will have two new financed vehicles... In the original post he mentioned driving a 15 year old car. Since he mentions that the...
by BuckyBadger
Fri Oct 06, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 4141

Re: How do you value your time?

Something like that is not just a matter of time. Who wants to have to walk a mile ( especially a person who like most women aren't wearing shoes that are comfortable for that walk if you are just going out to dinner or do something that wasn't planned as a hiking/walking/ athletic activity.) Who w...
by BuckyBadger
Fri Jul 28, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 79
Views: 5762

Re: BMW Z3 or Z4 or nothing at all?

I'll try to answer your actual questions, huh? 2 questions- 1.) Do any bogleheads own a Z3/Z4 and if so do you like it? 2.) Would you ever pay more than blue book for a car? We have a Z4. We bought it a little over two years ago (in 2015). It's a 2003 and had just under 100k miles on it when purchas...
by BuckyBadger
Wed Jul 26, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: What are your monthly expenses?
Replies: 69
Views: 7574

Re: What are your monthly expenses?

We put aside a huge chunk every month toward savings and retirement. We spend all the rest. I think I figured out once that with everything else all-in we average about $10k a month. Housing, food, necessities, and splurges. A survey of monthly expenses is pointless without a purpose and without con...
by BuckyBadger
Mon Jun 05, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: TLH or not? [Tax Loss Harvesting]
Replies: 15
Views: 1175

Re: TLH or not?

fmhealth wrote:...keeps me interested in the markets on a daily basis...
Why is this a good thing? Sounds terrible. I understand those people who trade lots to try and beat the index, but you're trading lots to try to make your own index?

Why?
by BuckyBadger
Mon Jan 30, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Mom wants an air fryer?
Replies: 29
Views: 3580

Re: Mom wants an air fryer?

I got a ~$100 model for christmas. I really like it! I like not having to heat up my oven and clean a bunch of stuff when I want to roast some potatoes. It cooks chicken thighs very well. But the "frying" part of the name seems silly to me. It's more like a quick, efficient, mini convectio...
by BuckyBadger
Thu Jan 19, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: should I scrap my car after this accident
Replies: 23
Views: 1917

Re: should I scrap my car after this accident

Damage:

https://drive.google.com/file/d/0B1Igp8 ... sp=sharing

Thanks for the comments.

ETA The price we would get for the car is $7500. I believe that the adjuster is saying that it would cost us $13k to buy a similar car to replace the Volvo.
by BuckyBadger
Thu Jan 19, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: should I scrap my car after this accident
Replies: 23
Views: 1917

should I scrap my car after this accident

Tuesday I got rear-ended pretty substantially. Airbags did not deploy, but the trunk and bumper were pretty well mangled. The car that hit me was a jeep with an off-road winch system on the front of it, so it looked like some sort of Mad May Fury Road attack spike on the front, which is why the trun...
by BuckyBadger
Tue Jan 03, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly Expenses in line or too much
Replies: 81
Views: 8178

Re: Monthly Expenses in line or too much

Some people budget and some people don't. We're like Klang - we save enough and we spend the rest. Our expenses are astronomical compared to yours (for just two of us), but we're saving more than enough for an early (55ish) retirement. It all comes out of the paychecks automatically. Could we budget...
by BuckyBadger
Fri Jun 10, 2016 9:05 am
Forum: Personal Consumer Issues
Topic: alternatives to AOL
Replies: 34
Views: 2764

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: 6048

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: 3026

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: 2025

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: 1952

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: 864

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: 864

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: 3442

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: 4892

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: 2998

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: 877

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: 6696

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: 111
Views: 14244

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: 2799

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: 658

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: 658

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: 7251

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: 446

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: 2879

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: 5750

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: 5750

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: 151
Views: 12767

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: 5750

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: 5750

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: 13257

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: 814

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: 1644

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: 11199

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: 4600

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: 11199

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: 7610

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: 1020

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: 7395

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: 6696

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: 4139

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: 2137

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.