Search found 215 matches

by buccimane
Fri May 18, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Must See in South Dakota
Replies: 58
Views: 4027

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: 6997

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: 175
Views: 16031

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: 6279

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: 2244

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: 2244

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: 10038

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: 27
Views: 2132

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: 2188

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: 2822

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: 3725

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: 2726

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: 18690

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: 4127

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: 1166

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: 1166

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: 781

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: 329
Views: 22635

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: 16834

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: 16834

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: 43
Views: 8094

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: 16834

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: 16834

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: 2099

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: 2099

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: 2099

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: 1830

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: 2099

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: 2099

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: 2099

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: 2099

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: 2099

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: 2099

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: 2099

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: 16582

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: 3780

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: 8173

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: 1391

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...
by buccimane
Tue Feb 27, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 60
Views: 8843

Re: "Bogleheads.org" by Kristine Hayes"

In the Commute Time thread that is currently being discussed, someone used the abbreviation WFH. I'm not sure if it is common for people who do work from home, but that one required a Google search when it could've easily been typed out as it was only used once.
by buccimane
Tue Feb 27, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 12257

Re: How Far is too Far, Commuting?

Last, and this might seem trivial, but it made a difference to me: my morning ride was westbound and my drive home was eastbound. So, when the sun was up, it was never in my eyes. +1000 My sometimes aggressive NJ commute companions are not nearly as annoying as the SUN! I drive with the sun in my e...
by buccimane
Tue Feb 13, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: Help me get my friends started
Replies: 6
Views: 601

Re: Help me get my friends started

Hi Daisy Dog, I usually start with this link to a John Oliver segment on retirement investing: https://www.youtube.com/watch?v=gvZSpET11ZY&t=282s This video is why I began investing, and also how I stumbled upon BogleHeads. John Oliver has the unique characteristics of being credible, humorous, and ...
by buccimane
Tue Feb 13, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 21257

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

Surely this thread has run its course at this point, so I wanted to get in before the lock...As a service to new forum goers, it would be a real shame if they started seeing threads here on a regular basis about individual stocks. It really does go against the teachings of John Bogle our patron sai...
by buccimane
Mon Feb 12, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 288
Views: 21008

Re: free dinner investing seminar

Firechief,

Do these invitations specify that you cannot bring a guest under 55? Asking for a friend.. :sharebeer
by buccimane
Wed Feb 07, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15603

Re: Vanguard site is crashed now?

This is specifically what I was referring to as an unrealistic expectation: buccimane wrote: ↑Tue Feb 06, 2018 4:22 pm I have the expectation that a website holding most of my personal information on it should be able to handle traffic fluctuations without crashing completely. Yes, if you take thin...
by buccimane
Tue Feb 06, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15603

Re: Vanguard site is crashed now?

And I'm not sure what you think the ability to handle traffic spikes has to do with security, exactly. As stated, from a non-technical background, if a website is unable to remain operational it would not be a giant stretch for me to ponder the security of it. Also, having only been with Vanguard f...
by buccimane
Tue Feb 06, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15603

Re: Vanguard site is crashed now?

The NYSE closed for about 4 months in 1914 due to the beginning of WWI. There have been brief closures or trading halts on many occasions since due to national security or technical issues. NYSE closure in 1914 is 100 years past relevancy. In this day and age, I have the expectation that a website ...
by buccimane
Tue Feb 06, 2018 1:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15603

Re: Vanguard site is crashed now?

Don't buy anything you're not comfortable holding if the market closed for ten years or if you can't access Vanguard.com for a week. What kind of advice is this? I don't remember reading the weekly blackout clause in the Terms of Agreement- and I would not feel comfortable with these terms, obvious...
by buccimane
Mon Feb 05, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15603

Re: Vanguard site is crashed now?

can't log in, very disappointing...
by buccimane
Fri Feb 02, 2018 1:24 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 8667

Re: Fewer acronyms please

ResearchMed wrote:
Thu Feb 01, 2018 8:22 pm
"Your Mileage May Vary"



RM
RM? :confused
by buccimane
Wed Jan 24, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 9245

Re: Working in the real world

ust heard today that 1/6 millennials has saved up over $100,000, fighting the myth that millennials are not saving. Would it surprise you that the majority of millennials on this board have more than $100,000? It would surprise me if it wasn't. I need to see the source for this.. Very hard to belie...