Search found 227 matches

by buccimane
Fri Aug 10, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 71
Views: 9389

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

OR you can go to this website https://owner.ford.com/tools/account/ma ... calls.html , and add your car's VIN number to see if there has been a recall for it, not only this recall, but any recall. I would do the latter now. If your car is listed, then call your local Ford dealer. Thank you Sheepdog...
by buccimane
Thu Aug 09, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 71
Views: 9389

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

Call Ford and you will get a rental on them. I have been driving a 2018 Fusion AWD Titanium EcoBoost for 4 months now at their expense. The only thing you have to do is put gas in it. Enterprise pays for the oil changes and charges Ford $900 per month. We have been having a ball. I have decided aft...
by buccimane
Tue Aug 07, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Selling a used car
Replies: 49
Views: 1936

Re: Selling a used car

I took a look at your ad.. It makes it look like you are hiding damage with the awkward camera angles. I agree with the poster above that hubcaps would be a good investment. I live in NJ, and was actually interested in this car for a friend. The ad needs a lot of work. Edit: you also list the car as...
by buccimane
Mon Aug 06, 2018 10:08 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you become a Boglehead?
Replies: 53
Views: 3405

Re: How did you become a Boglehead?

John Oliver did a segment on retirement funds. Searched Index funds on Google, and came across this wonderful forum.
by buccimane
Fri Aug 03, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 4642

Re: best place to hide a key

I used to put my key in the gas tank. Now I have a Ford, which are equipped with a Keypad Code- so my keys stay in my car. In the gas tank? How does one do this? More than that, how does one get a key back out of a gas tank? Obviously what I meant was opening the gas cap cover, and resting the keys...
by buccimane
Fri Aug 03, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4408

Re: Which diet soda pop do you enjoy?

Earl Lemongrab,

I did not read through everyone's responses, but my absolute favorite is Diet Stewart's Orange and Cream.
by buccimane
Fri Aug 03, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 4642

Re: best place to hide a key

I used to put my key in the gas tank. Now I have a Ford, which are equipped with a Keypad Code- so my keys stay in my car.
by buccimane
Tue Jul 31, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to prepare for "the talk"
Replies: 64
Views: 4920

Re: How to prepare for "the talk"

JoinToday wrote:
Tue Jul 31, 2018 1:44 pm
I have almost given up on giving people advice though. Most don't take my advice, but a few do and call me regularly for my input. I find it frustrating, and a waste of my time

It can't be too frustrating/ time wasting.. because you're still here!
by buccimane
Tue Jun 19, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17047

Re: Should I take possession of a certified mail?

wrongfunds wrote:
Sun Jun 17, 2018 3:58 pm
buccimane wrote:
Thu Jun 14, 2018 2:47 pm
wrongfunds wrote:
Thu Jun 14, 2018 1:15 pm
I am ready to bet that we do NOT hear back from the OP at all.
54 posts since 2013; meaning this is clearly somewhat important to OP. I am ready to wager with you :moneybag
OK; is there a deadline after which you will agree that he is not coming back?
June 22nd @ 9:30am EST :twisted:
by buccimane
Thu Jun 14, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17047

Re: Should I take possession of a certified mail?

wrongfunds wrote:
Thu Jun 14, 2018 1:15 pm
I am ready to bet that we do NOT hear back from the OP at all.
54 posts since 2013; meaning this is clearly somewhat important to OP. I am ready to wager with you :moneybag
by buccimane
Thu Jun 14, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3916

Re: Non-alcoholic drinks for wedding

Church Lady wrote:
Thu Jun 14, 2018 1:44 pm
+1. Some of you people need to lighten up. It's OP's wedding, not yours.
Imagine all of us people that need to lighten up crowded together at a dry wedding :sharebeer
by buccimane
Mon Jun 11, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: College: extraneous expenses
Replies: 32
Views: 3001

Re: College: extraneous expenses

As a fellow college student, I recommend looking for PDFs of textbooks online before spending a dime at the student store/Amazon/etc. I have friends who are seniors that downloaded every single one of their textbooks for free. Don't use illegitimate free copies. I went for the free PDF versions as ...
by buccimane
Fri May 18, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Must See in South Dakota
Replies: 58
Views: 4495

Re: Must See in South Dakota

raidman wrote:
Mon Apr 30, 2018 6:06 pm
I have made that drive many many times.
Nice to see another Rammstein fan :sharebeer
by buccimane
Tue May 08, 2018 7:40 am
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 63
Views: 7608

Re: Memory Foam Mattress Recomendations

Really appreciate this purchase :happy https://www.amazon.com/gp/product/B00RZTIW86/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 Just wanted to thank you for this recommendation.. Hard to trust Amazon reviews, so I purchased this solely on your recommendation- and couldn't be happier. Bogleheads has ...
by buccimane
Mon May 07, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 23801

Re: most compelling TV character ever

Michael Scott: The Office
Jax Teller: Sons of Anarchy


Fun seeing all the love Dr. House was getting in 2009.

I'll check back in 2028
by buccimane
Fri May 04, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 6740

Re: Pay $2500 in rent or continue living at home

But I’m older now - almost 35- and in the past year I’ve been feeling very strongly about moving out again. Just for reference, I went away for college for four years and lived in nyc for several years on my own with roommates and alone so I have been very independent for most of my life but by the...
by buccimane
Thu May 03, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Budget for kid's sport?
Replies: 49
Views: 2523

Re: Budget for kid's sport?

pomidoro wrote:
Thu May 03, 2018 7:56 am
Sorry, it is what it is here. I live in a southern state where hockey isn't popular but ice rink owner still wants to run his business. I spent less than $150 for equipment during the last 4 years.
I guess your area is the extreme outlier than:

http://time.com/4913284/kids-sports-cost/
by buccimane
Thu May 03, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Budget for kid's sport?
Replies: 49
Views: 2523

Re: Budget for kid's sport?

Ice Hockey cannot be the cheapest sport available. In New Jersey, it is one of the most expensive sports a child can play. Ice time costs and the massive amount of equipment involved actually prohibit many in my town from ever trying the sport. Availability may be an issue with some sports, but if a...
by buccimane
Wed May 02, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 11161

Re: Have you quit eating sugar? Tell me how!

Read Stop Smoking Now by Allen Carr and when he refers to smoking think of the sugar analog. This book will change how you see your sugar addition in a big way. I never smoked, but this book has a lot of parallels that I think make sense. It really is a good book for changing how you see your sugar...
by buccimane
Wed May 02, 2018 1:35 pm
Forum: Forum Issues and Administration
Topic: Making it easier to track posts from the OP
Replies: 29
Views: 2917

Re: Making it easier to track posts from the OP

After CTRL-F search for "by opname" as that will only bring up posts that they initiate. This right here is the best solution. I think the best solution would be a slightly different color box, or an "OP" tag as stated above. CTRL-F, followed by a search is the only current solution. Hardly the best.
by buccimane
Thu Apr 26, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Help! Nephew is asking for college advice (undergrad choices)
Replies: 41
Views: 2450

Re: Help! Nephew is asking for college advice (undergrad choices)

I didn't read all the responses.. But I'd throw Rowan University into the bucket of choices if you can convince him to visit one NJ school.. Your nephew would get the in-state tuition (26k when I attended), and it is in the US News Top 20 for Public School Engineering programs.
by buccimane
Fri Apr 20, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: So many problems I can't even figure out how to prioritize them
Replies: 27
Views: 2994

Re: So many problems I can't even figure out how to prioritize them

Door weather stripping, your cellphone, and a dishwasher would be at the top of my list... Cellphone: Replacing the battery may save cost.. Plenty of deals and options in regards to a new phone that should make this relatively painless. Dishwasher: I loathe doing the dishes... That's why it would be...
by buccimane
Thu Apr 12, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Crazy to start 529 without kids??
Replies: 49
Views: 3963

Re: Crazy to start 529 without kids??

4) You didn't mention your age/marital status/interest in kids (or nieces/nephews) but if you don't use for self who would use it (otherwise there are usually some penalties + taxes on withdrawal) Anyway, now I’m 27 and single and have $1M heading my way in the next few weeks. I maxed my Roth IRA f...
by buccimane
Mon Apr 09, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: !Please Advise on sensible housing for guy going through divorce!
Replies: 32
Views: 2932

Re: !Please Advise on sensible housing for guy going through divorce!

Op here. I appreciate the responses. I want to challenge the idea of getting the traditional one year lease and see what you think. What if my wife decides to move in just 6 months? Then, I would be paying for the home mortgage and stuck with renting as well. An extended stay hotel would give me th...
by buccimane
Wed Mar 28, 2018 12:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 21087

Re: A lot of heavy hitters this morning

If it helps, I just signed a lease for an apartment that will eat up 28% of my income... One of the cheapest options in my HCOL area..
by buccimane
Wed Mar 28, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Checklist for Parents of Incoming Freshmen/To-Be Adult
Replies: 67
Views: 4519

Re: Checklist for Parents of Incoming Freshmen/To-Be Adult

BHs - Any suggestions about dos and donts on college shopping? Or leave it up to her completely ? This may be different at other schools, but my advice is DON'T buy all the required books prior to class. My first semester I ordered all my books that were on the syllabus, all marked required texts, ...
by buccimane
Tue Mar 27, 2018 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Lowest fees for 403(b) for Texas Teacher
Replies: 19
Views: 1353

Re: Lowest fees for 403(b) for Texas Teacher

I wonder if buccimane's school district has a Transamerica 403b plan that is not the generic plan offered to most districts? You could check it out, but if the plan is the plan described in 403bcompare, I would avoid it. I've never heard of the 'generic' 403(b) plans. Two of my family members also ...
by buccimane
Mon Mar 26, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Lowest fees for 403(b) for Texas Teacher
Replies: 19
Views: 1353

Re: Lowest fees for 403(b) for Texas Teacher

If you look back at my most recent post regarding my 403(b) options, I have decided to go with Transamerica. It's difficult to know what the best option for you would be, but I selected the following funds with Transamerica at a 0.310% plan service fee: Vanguard Total Stock Market Index Adm Vanguard...
by buccimane
Mon Mar 26, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Good cheap/free email mailing list for about 200 people?
Replies: 10
Views: 827

Re: Good cheap/free email mailing list for about 200 people?

I used the paid version of Constant Contact and loved it.. Looks like they have a free 60 day trial with no credit card info required..

With ConstantContact you can see who has opened the e-mail, clicked any links provided in the email, and create a pamphlet for your reunion.
by buccimane
Fri Mar 23, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 25674

Re: Anyone Deleting Facebook?

Allow me to provide a millenial perspective, albeit one from a grouchy old soul of one: almost everyone I communicate with regularly is on Facebook, and Facebook Messenger has incredible network effects for organizing things in my larger group of friends and my hobby community. To my mind, the only...
by buccimane
Tue Mar 20, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 17882

Re: Bought house six months ago - now feeling like we're treading water and can't save money

LiterallyIronic wrote:
Tue Mar 20, 2018 11:40 am
Airbags somewhere other than the front? Like where? In the back of the frontseats?

Curtain and torso airbags
by buccimane
Tue Mar 20, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 17882

Re: Bought house six months ago - now feeling like we're treading water and can't save money

This board is sometimes blind to the fact that for a lot of people where the second income in the family does not make north of $30-40k, childcare expenses make both parents working a break even affair. That can make things tight and high savings goal nearly impossible. This is true, but that equat...
by buccimane
Tue Mar 20, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE
Replies: 57
Views: 12611

Re: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE

I'll throw my usual out there: If you were born Mr. Yasuhara from Tokyo would you have been advocating 100% US equities this whole time or is that only because you were born Mr. Bogle from Montclair, NJ? Good luck. p.s. I am not sure if someone has already asked my perpetual query, but if it has pl...
by buccimane
Tue Mar 20, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 17882

Re: Bought house six months ago - now feeling like we're treading water and can't save money

This board is sometimes blind to the fact that for a lot of people where the second income in the family does not make north of $30-40k, childcare expenses make both parents working a break even affair. That can make things tight and high savings goal nearly impossible. This is true, but that equat...
by buccimane
Tue Mar 20, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 17882

Re: Bought house six months ago - now feeling like we're treading water and can't save money

And secondly, I'm curious as to which $1,000 beater with no working windows that you're driving your baby around in? I would recommend that you replace at least one car with something that has at least a modicum of modern safety. It doesn't matter how good a driver you are - it only matters how mad...
by buccimane
Wed Mar 14, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Met with School 403(b) Adviser: Need Clarification
Replies: 35
Views: 2314

Re: Met with School 403(b) Adviser: Need Clarification

Could you afford to contribute $300 - $500 a month? Your overall plan should consider how much of your salary goes to the pension, how much you are saving in the Roth IRA, and how much you contribute to the 403b/457b. You don't want to overdo it and not have enough to pay rent/food/transportation/d...
by buccimane
Wed Mar 14, 2018 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Met with School 403(b) Adviser: Need Clarification
Replies: 35
Views: 2314

Re: Met with School 403(b) Adviser: Need Clarification

Have you read the wiki on the 3 fund portfolio? Because it is so simple, it doesn't take "a professional" to help you implement it, and experienced help is available here on the forum. Deciding on funds is not the professional help I am referring to. Implementing deductions and coordinating with pa...
by buccimane
Wed Mar 14, 2018 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Met with School 403(b) Adviser: Need Clarification
Replies: 35
Views: 2314

Re: Met with School 403(b) Adviser: Need Clarification

Since this was never answered directly (that I can tell), I'll just mention that the adviser was correct in one regard: as a public school employee, you cannot contribute to a 401(K). 403, yes. I would contact human resources and find out who else offers 403 plans to your district, and look at the ...
by buccimane
Tue Mar 13, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: MLB Signal?
Replies: 10
Views: 1912

Re: MLB Signal?

I hope you didn't double down..
by buccimane
Tue Mar 13, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Met with School 403(b) Adviser: Need Clarification
Replies: 35
Views: 2314

Re: Met with School 403(b) Adviser: Need Clarification

As long as the ERs on the funds are low, that's not an unreasonable decision, IMHO. Have you confirmed in the plan documentation that the ERs are the same as directly from Vanguard? Because they aren't always. I need to wait for the second meeting to see the full plan documentation. He does the con...
by buccimane
Tue Mar 13, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Met with School 403(b) Adviser: Need Clarification
Replies: 35
Views: 2314

Re: Met with School 403(b) Adviser: Need Clarification

Are you sure Transamerica is your only provider? For years, I thought I only had one provider only to find out there were actually 18 different providers! Do you have a third party administrator of the plans? They would have this info. Do you have access to a 457 plan? What state are you in? Transa...
by buccimane
Tue Mar 13, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Met with School 403(b) Adviser: Need Clarification
Replies: 35
Views: 2314

Re: Met with School 403(b) Adviser: Need Clarification

buccimane, I'm looking at your 403b thread from last year, and it looked like there might be a good plan for you through Lincoln. Did that not pan out or are you still considering that one too? While if all things are equal a governmental 457 is probably preferable to a 403b, all things are almost ...
by buccimane
Tue Mar 13, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Met with School 403(b) Adviser: Need Clarification
Replies: 35
Views: 2314

Re: Met with School 403(b) Adviser: Need Clarification

No he didn't mention Roth IRA's, but I do plan on continuing my maximum contribution. So then the traditional IRA question was for other people in your company and not for you. Yes, that is correct. I am asking that question out of concern for them. If I wanted to though, I could contribute to both...
by buccimane
Tue Mar 13, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Met with School 403(b) Adviser: Need Clarification
Replies: 35
Views: 2314

Re: Met with School 403(b) Adviser: Need Clarification

chevca wrote:
Tue Mar 13, 2018 12:07 pm
I would advise to avoid this adviser. :happy

Go it on your own.
If that was an option, I would :(

Need to go through someone to enroll in the School's 403(b)
by buccimane
Tue Mar 13, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Met with School 403(b) Adviser: Need Clarification
Replies: 35
Views: 2314

Re: Met with School 403(b) Adviser: Need Clarification

You would probably want contribute to a Roth IRA anyways. Did the salesrep say anything about Roth IRAs? No he didn't mention Roth IRA's, but I do plan on continuing my maximum contribution. Yes, you can contribute to a Traditional IRA. Having a workplace plan can factor into the IRA being deductib...
by buccimane
Tue Mar 13, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Met with School 403(b) Adviser: Need Clarification
Replies: 35
Views: 2314

Met with School 403(b) Adviser: Need Clarification

Good morning all, So today I met with a representative of TransAmerica, which is one of the companies that offers 403(b) plans. We went over a couple of things, and I would just like some clarification/advice on the information he provided. Background of me: 24y/o No debt ~7k Roth IRA with Vanguard ...
by buccimane
Fri Mar 09, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: My attic noise was a low frequency short!
Replies: 92
Views: 16636

Re:

I can only image if you had finally given up on the house and moved, and the first night in your new home, boom boom....... I thought that you had tried turning the electricity off one night and that didn't stop it. If so, are you sure that that was it? Greg Just read the entire original thread as ...
by buccimane
Fri Mar 09, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 3992

Re: MD-Phd (Harvard) vs MSTP (School X)

Globalviewer58 wrote:
Thu Mar 08, 2018 10:35 pm
For the unwashed who read this post, MSTP = Medical Science Training Program, a course of study to earn an MD and a science PhD with clinical or bioscience research focus.
Thank you! :shock:
by buccimane
Fri Mar 02, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 8691

Re: Thinking of getting an Apple Watch

I have the 2 Series. Got it as a gift. I am an active person in general, and do not wear it during any physical activities. I lift weights for strength training, and play basketball for cardio. I don't think it is effective in either situation, and it's at risk of being damaged. I do wear it at work...
by buccimane
Tue Feb 27, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Need a Pocket Watch
Replies: 26
Views: 1500

Re: Need a Pocket Watch

I favor a wristwatch over a cell phone myself for several reasons, as follows. Sometimes my hands are full or I might be driving when I want the time I do favor a wristwatch as well, for the same reason- besides driving. I'm curious, are there older cars that still run today that do not have a cloc...