Search found 642 matches

by BuckyBadger
Wed Feb 21, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: 403b plan forcing me from Vanguard to Fidelity!!
Replies: 9
Views: 554

Re: Oh no! 403b plan forcing me from Vanguard to Fidelity!!

Thanks! It's not that I mind the new funds, it's just that my previous combined portfolio with my husband's funds and our Roths was 100% at Vanguard. It was easy to keep track of and minimized logins and whatnot. No complaints about the ER on the new funds!! Our Roth's are both 100% in VTSAX (0.04%)...
by BuckyBadger
Wed Feb 21, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: 403b plan forcing me from Vanguard to Fidelity!!
Replies: 9
Views: 554

403b plan forcing me from Vanguard to Fidelity!!

After 6 lovely years at Vanguard I just got an email that we're being forced over to Fidelity. My previous investments were: A total US bond index fund VBMFX (0.15%) A total US stock index fund VTSMX (0.15%) A total international stock index fund VGTSX (0.18%) My new options are as follows: https://...
by BuckyBadger
Sat Feb 17, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Recurring charges after compromised card
Replies: 8
Views: 496

Re: Recurring charges after compromised card

I wouldn't trust. After the first time that happened to us i started a document that lists every reoccurring payment on my credit card. And there are a TON because we try to pay everything possible with a credit card. The second time it was much easier to deal with everything! Our number seems to ge...
by BuckyBadger
Sat Feb 17, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4850

Re: Best plants to grow to save money for food costs

How much saffron can one family realistically consume??
by BuckyBadger
Wed Feb 14, 2018 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing thru contributions?
Replies: 12
Views: 652

Re: Rebalancing thru contributions?

I did B for quite a while. My interface made redirecting contributions crazy easy, and my balance was low enough that I could actually make a difference with contributions.

Not so much now. Everything goes in at a certain ratio and I rebalance when necessary.
by BuckyBadger
Tue Feb 13, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 286
Views: 19399

Re: I bought a stock today - Redfin (RDFN)

sunspotzsz wrote:
Tue Feb 13, 2018 6:11 pm
with fee free broker like robinhood, you don't have to be rich to make your own index fund.
But why would you? Why spend time and effort to reinvent the wheel and end up just making a less-good wheel??
by BuckyBadger
Tue Feb 13, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 286
Views: 19399

Re: I bought a stock today - Redfin (RDFN)

Mr. Bogle did opine in one of his books that a high net worth investor might eliminate fees by "rolling their own" mutual fund. He said to buy the largest (by cap) 20-30 individual stocks and hold them forever. Now I have been tempted to try that approach, but I was held back by this: What exactly ...
by BuckyBadger
Tue Feb 13, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Our 'cure' for emergency expenses
Replies: 96
Views: 10726

Re: Our 'cure' for emergency expenses

Most of these expenses don't seem irregular, their just non-monthly. We have always kept ample cash in bank accounts that covering those is not a problem. I'm more curious how people handle major home maintenance, including remodels, as well as auto purchases. If you keep a home long term, it almos...
by BuckyBadger
Tue Feb 13, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Our 'cure' for emergency expenses
Replies: 96
Views: 10726

Re: Our 'cure' for emergency expenses

We just keep a healthy buffer in the checking account for this sort of stuff. I think the concept is a familiar one but I usually hear it called a slush fund or a sinking fund. Technically, a slush fund is used for very discretionary (sometimes illegal) expenses, and a sinking fund is a fund where ...
by BuckyBadger
Tue Feb 13, 2018 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Are these fees for real?
Replies: 25
Views: 2219

Re: Are these fees for real?

Balances are relatively low. I'd get out right now with a clean break, pay your penalty, and learn a very good lesson!

I'd get out immediately and put the money in her vanguard accounts.
by BuckyBadger
Tue Feb 13, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Increased pay versus personal and job satisfaction
Replies: 12
Views: 1092

Re: Increased pay versus personal and job satisfaction

I'd do it in a minute. You could retire four times earlier! No significant other who needs to stay in your current location? No strings! My appointment is partially clinical and partially academic and the things that drive me crazy about the academic part are just what you say. If i could make 4x as...
by BuckyBadger
Tue Feb 13, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Our 'cure' for emergency expenses
Replies: 96
Views: 10726

Re: Our 'cure' for emergency expenses

We just keep a healthy buffer in the checking account for this sort of stuff. I think the concept is a familiar one but I usually hear it called a slush fund or a sinking fund. No need to make it complicated and I'm amazed it takes an entire book to explain the concept! And the title seems not total...
by BuckyBadger
Mon Feb 12, 2018 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 286
Views: 19399

Re: I bought a stock today - Redfin (RDFN)

dreamjob9 wrote:
Mon Feb 12, 2018 8:21 pm
I may start a Kelmanheads.org website. :D
By all means. This discussion would be more appropriate there.
by BuckyBadger
Mon Feb 12, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor roth - I might have messed up
Replies: 6
Views: 529

Re: Backdoor roth - I might have messed up

As others have said, just fill out an 8606 for those years, pop them in an envelope, and mail them to the IRS. I made a similar mistake several years ago and that's what I did. Easy!
by BuckyBadger
Mon Feb 12, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 286
Views: 19399

Re: I bought a stock today - Redfin (RDFN)

What's wrong with discussing less expensive consumer driven companies? It's bogleheads.org. Jack Bogle, the guy who created Vanguard? Do you not believe there are similarities? Have you independently reviewed Redfin? I just don't understand the sentiment. Nobody believes a post on bogleheads.org dr...
by BuckyBadger
Mon Feb 12, 2018 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 286
Views: 19399

Re: I bought a stock today - Redfin (RDFN)

Didn't expect to see HOT STOCK PICKS on this board.

Reads like the first few pages of the GTAT stock forums.

Cool cool cool.
by BuckyBadger
Wed Feb 07, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13330

Re: Financial Hole

Without detailed information (like an actual budget, or at least a list of what your bills are) it is impossible to help you. In the time it took you to individually reply to ten people saying how you couldn't do what they suggested you could have posted some useful information. If you're unwilling ...
by BuckyBadger
Wed Feb 07, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care Reimbursement Account question
Replies: 2
Views: 142

Re: Dependent Care Reimbursement Account question

There's some wording on my work's HR page that makes this a little confusing to me - we're planning on contributing the maximum $5k to a dependent reimbursement account. It's only like 3 1/2 months of day care, but every little bit, huh? Anyway, we both work. As long as we don't go over the $5k tot...
by BuckyBadger
Wed Feb 07, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care Reimbursement Account question
Replies: 2
Views: 142

Dependent Care Reimbursement Account question

There's some wording on my work's HR page that makes this a little confusing to me - we're planning on contributing the maximum $5k to a dependent reimbursement account. It's only like 3 1/2 months of day care, but every little bit, huh? Anyway, we both work. As long as we don't go over the $5k tota...
by BuckyBadger
Mon Feb 05, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 5562

Re: New car - how much can we afford?

In 2017 we bought a low mileage 2015 Subaru Outback with tons of bells and whistles (including the EyeSight suite of safety features) for about $24k I think? It's a MARVELOUS car. YOu could certainly pay less than we did. A couple months ago we found out we were expecting and that car is going to be...
by BuckyBadger
Fri Feb 02, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Owe big (for me) in 2017 taxes
Replies: 12
Views: 1090

Re: Owe big (for me) in 2017 taxes

I thought that as long as you paid at least as much in taxes as you had the previous year you were okay. But i don't know the details and recommend you read the safe harbor rules.

Good luck!
by BuckyBadger
Thu Feb 01, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: closet organizing system
Replies: 43
Views: 6842

Re: closet organizing system

Easyclosets.com is spectacular!
by BuckyBadger
Fri Jan 26, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Cat teeth cleaning costs
Replies: 41
Views: 5508

Re: Cat teeth cleaning costs

Basic old school question here: Why the heck does a cat need its teeth cleaned? It's a Cat! What shape would your teeth be in if you never had them cleaned and never brushed? Animals in the wild never see a vet, let alone a dentist. And their teeth don't fall out. Threads like these make me glad I ...
by BuckyBadger
Fri Jan 26, 2018 7:30 am
Forum: Personal Consumer Issues
Topic: Pizza delivery asked for security code on my credit card with order
Replies: 50
Views: 5168

Re: Pizza delivery asked for security code on my credit card with order

OP here. Thanks everyone for the quick replies. When I saw Livesoft's reply, I cancelled the card, which took about 10 minutes. After reading the other replies, I probably cancelled the card out of an abundance of caution, but I'd rather get ahead of this than wake up in the morning and find that s...
by BuckyBadger
Thu Jan 25, 2018 11:03 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 17417

Re: How does everyone keep track of your portfolio?

This itsy bitsy google doc is all I need: https://preview.ibb.co/n34R7G/bhds.png I don't TLH, so no other fancy knowledge required. Fill it out monthly. Re-balance in my 403b as necessary. I'm a simple girl. The only thing extra mine has, is a field that converts the % from the goal into a dollar a...
by BuckyBadger
Tue Jan 23, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Best Tax Software for Backdoor Roth
Replies: 11
Views: 614

Re: Best Tax Software for Backdoor Roth

Not sure what the difficulty is? I've used TurboTax to do backdoor Roths for the past, maybe, 8 years.
by BuckyBadger
Sun Jan 21, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Job offer - no 401k offered
Replies: 34
Views: 3761

Re: Job offer - no 401k offered

Spirit Rider wrote:
Sat Jan 20, 2018 7:22 pm
My mother and almost all the other mothers in my lower middle class neighborhood didn't work, because they wanted to raise their children properly.
Pardon me?
by BuckyBadger
Sat Jan 20, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Did you change your IPS when you discovered you were going to have kids?
Replies: 8
Views: 953

Re: Did you change your IPS when you discovered you were going to have kids?

White Coat Investor wrote:
Sat Jan 20, 2018 7:02 pm
I'm impressed you had an IPS before you had kids. I think that's actually pretty rare.
All thanks to this board, I assure you! I was always inclined to this investing theory but this board is where it really crystalized for me.
by BuckyBadger
Fri Jan 19, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Did you change your IPS when you discovered you were going to have kids?
Replies: 8
Views: 953

Did you change your IPS when you discovered you were going to have kids?

We have an IPS - I've had it written for several years. https://image.ibb.co/iqw19w/bhds3.png But I'm wondering if I need to rewrite it now that we've discovered that we're going to have a kid. We will do some budget cuts to trim the fat inherent in our DINK lifestyle. Also planning on starting a 52...
by BuckyBadger
Tue Jan 16, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 17417

Re: How does everyone keep track of your portfolio?

This itsy bitsy google doc is all I need: https://preview.ibb.co/n34R7G/bhds.png I don't TLH, so no other fancy knowledge required. Fill it out monthly. Re-balance in my 403b as necessary. I'm a simple girl. OMGoodness, thank you for this! I cannot tell you just how complicated all my spreadsheets ...
by BuckyBadger
Tue Jan 16, 2018 2:03 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 17417

Re: How does everyone keep track of your portfolio?

This itsy bitsy google doc is all I need:



Image



I don't TLH, so no other fancy knowledge required. Fill it out monthly. Re-balance in my 403b as necessary.



I'm a simple girl.
by BuckyBadger
Tue Jan 16, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: rebalancing
Replies: 5
Views: 467

Re: rebalancing

Are you not able to re-balance within a tax advantaged account?
by BuckyBadger
Tue Jan 16, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 21
Views: 1156

Re: pros and cons of target date funds?

And for what it's worth, I don't do tax loss harvesting. Just not worth the ROI for me personally. I figure if I do 95% of the boglehead way correctly I'll be okay. However easy it may be, I've decided that it's just not something that I want to deal with.

So nothing says you HAVE to do it.
by BuckyBadger
Tue Jan 16, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 21
Views: 1156

Re: pros and cons of target date funds?

Thank you for response. Im confused. Cant you choose to invest say in vanguard w your 401k and opt out of company plans or whatever? To invest in your company's plan you must invest with their vendor and invest in the funds provided. You can't invest in anything you want. My current company is grea...
by BuckyBadger
Tue Jan 16, 2018 12:57 pm
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 21
Views: 1156

Re: pros and cons of target date funds?

Thank you for response. Im confused. Cant you choose to invest say in vanguard w your 401k and opt out of company plans or whatever? To invest in your company's plan you must invest with their vendor and invest in the funds provided. You can't invest in anything you want. My current company is grea...
by BuckyBadger
Tue Jan 16, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 7679

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

Bogleheads....I am struggling to recall a time where 'Mr. Market' moved like this in 12 days [the wild gyrations of 2008-09 do not count, totally different circumstance]. That 4% move is pretty amazing. I am sitting here shaking my head and saying: Go!. :mrgreen: At what point do you stop and say t...
by BuckyBadger
Tue Jan 16, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 21
Views: 1156

Re: pros and cons of target date funds?

All great points. Something not yet mentioned is that having your retirement money in target date funds may prevent you from making decisions you regret when the stock market starts to change course. I didn’t have a well thought out investment plan in 2008-2009 and I did some buys and sells that we...
by BuckyBadger
Tue Jan 16, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 21
Views: 1156

Re: pros and cons of target date funds?

livesoft wrote:
Tue Jan 16, 2018 9:15 am
I didn't see the word "tax" mentioned in this thread as I started typing this, so here goes ...
I mentioned it at the same time you were posting! Great minds and all that ;-)
by BuckyBadger
Tue Jan 16, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 21
Views: 1156

Re: pros and cons of target date funds?

Don't forget availability as you get more and more accounts. My husband and I treat our portfolios as one big overall portfolio, so to only use target date funds would mean separate target date funds for 1) his 401k, 2) my 403b, 3) his HSA, and 4) our Roth and taxable accounts. This doesn't work for...
by BuckyBadger
Mon Jan 08, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Missing a Long Term Financial Goal
Replies: 32
Views: 4000

Re: Disappointed in Missing a Long Term Financial Goal

I could never understand people making total value goals. Total value is something you have no control over if you have investments in the market. Contribution goals make sense to me, since you can actually control those. Most people don't have the ability to suddenly contribute extra thousands and ...
by BuckyBadger
Fri Jan 05, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: How much life insurance?
Replies: 8
Views: 520

How much life insurance?

With our very first Little Badger now determined to be on the way, Mr Badger and I know that we need to get some term life insurance. But how much? Suggestions? Him: 38, annual salary ~$135k. Her: 37, annual salary ~$155k. House value ~$500k, remaining mortgage of ~$280k. I'm thinking enough to pay ...
by BuckyBadger
Thu Jan 04, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Financial checkup - just found out pregnant
Replies: 22
Views: 2028

Re: Financial checkup - just found out pregnant

unclescrooge wrote:
Thu Jan 04, 2018 1:40 pm
What's the life insurance coverage?
Nothing outside of what is offered through work - which I don't actually know, and I assume is quite small. I'll look into term policies for both of us this weekend!

Already have umbrella coverage - at least 2m, possibly 3?
by BuckyBadger
Thu Jan 04, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Financial checkup - just found out pregnant
Replies: 22
Views: 2028

Re: Financial checkup - just found out pregnant

You make nearly $300k and have nearly $1MM invested. Tell him to drink a beer and relax :) mmm... Beer. I miss it already! You mention early retirement. I see you have one of your 401ks almost entirely in bonds. I started a thread to question this approach on the thinking that you may want to treat...
by BuckyBadger
Wed Jan 03, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Financial checkup - just found out pregnant
Replies: 22
Views: 2028

Re: Financial checkup - just found out pregnant

N10sive wrote:
Wed Jan 03, 2018 3:21 pm
I have nothing to add except you both have some great company matches!
Yeah - I get paid well under industry standard for my field but the match makes a big difference. It's not even a match - they contribute a specific portion of my salary even if I don't contribute anything of my own at all.
by BuckyBadger
Wed Jan 03, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Financial checkup - just found out pregnant
Replies: 22
Views: 2028

Re: Financial checkup - just found out pregnant

It looks like you are doing great! Not sure what the question is? :D Yes, kids are expensive. And if you think you are busy now, just wait! In a couple of years you will look back and wonder what the heck you used to do with all your free time! Because you started investing relatively early and hav...
by BuckyBadger
Wed Jan 03, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Financial checkup - just found out pregnant
Replies: 22
Views: 2028

Financial checkup - just found out pregnant

I thought I'd pop in for a checkup. We found out just before the new year that I'm pregnant, and I wanted to get some external opinions. I think we're doing okay, but my husband is a worrier! We went to a lot of grad school, so it took us a long time to get into the savings game, but I feel like we'...
by BuckyBadger
Thu Dec 21, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: "Breaking the seal" on more expensive travel
Replies: 38
Views: 4327

Re: "Breaking the seal" on more expensive travel

Thanks for the comments, everyone! I did a little more research and was able to get the flights down a few hundred, and found another tour company that seems legit and should save us a couple thousand dollars. So it's getting even better!

8-)
by BuckyBadger
Tue Dec 19, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: "Breaking the seal" on more expensive travel
Replies: 38
Views: 4327

Re: "Breaking the seal" on more expensive travel

The fact that it's a private tour is what's making it something we can do. I ALWAYS have to plan vacations, and I just can't handle the time or stress of planning something to China. We can wing it a little in Europe (i.e. I'm willing to figure out how to take a train in France even though I don't s...
by BuckyBadger
Tue Dec 19, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: "Breaking the seal" on more expensive travel
Replies: 38
Views: 4327

Re: "Breaking the seal" on more expensive travel

OK, I'll 'fess up. I'm thinking of doing this as a retirement/milestone B-day present to myself. Not sure if I can pull the trigger, but I'm trying to get there. :D :moneybag http://www.nationalgeographicexpeditions.com/expeditions/around-the-world-jet-tour/detail Wow. That trip looks unbelievable....
by BuckyBadger
Tue Dec 19, 2017 12:18 am
Forum: Personal Consumer Issues
Topic: "Breaking the seal" on more expensive travel
Replies: 38
Views: 4327

"Breaking the seal" on more expensive travel

We're planning a big trip in a few months. I found a deal on business class flight and a wonderful tour company to take my husband and me around Beijing and a few other areas in China. For 7 days including a personal guide, hotel, most meals, and admissions it's about $2,500 per person. And flights ...