Search found 1105 matches

by BuckyBadger
Thu Jun 25, 2020 8:43 pm
Forum: Personal Consumer Issues
Topic: How to locate safe, clean gas stations while traveling
Replies: 38
Views: 2066

Re: How to locate safe, clean gas stations while traveling

In my entire life I’ve only been to one gas station that felt unsafe. It was a nighttime stop in South Central LA right after the riots in the 90’s, back when urban crime was actually a thing. And I’m a 125 pound woman. If you are legitimately concerned about your physical safety at a gas station h...
by BuckyBadger
Thu Jun 25, 2020 2:19 pm
Forum: Personal Consumer Issues
Topic: How to locate safe, clean gas stations while traveling
Replies: 38
Views: 2066

Re: How to locate safe, clean gas stations while traveling

As a woman traveling alone I always stopped at Sheetz. If on a thruway or toll road, use the on-road stations. Other than that, stop before you really have to and be prepared to keep driving if it makes you uncomfortable. Sheetz is just what's known in my area to be safe and well-maintained. Other r...
by BuckyBadger
Wed Jun 24, 2020 2:33 pm
Forum: Personal Consumer Issues
Topic: tesla Autopilot temp price drop from $3k -> $2k, worth it?
Replies: 10
Views: 1286

Re: tesla Autopilot temp price drop from $3k -> $2k, worth it?

I think it's wort it, personally. It was bundled with my Dec 2019 3, so I didn't have to make the decision, but I would have paid for it if I had to. Adaptive cruise control alone is worth the price to me, but I use cruise control a TON even on non-highway streets.
by BuckyBadger
Sun Jun 21, 2020 10:14 pm
Forum: Personal Consumer Issues
Topic: Old Cars & the expenses that go with them
Replies: 69
Views: 5130

Re: Old Cars & the expenses that go with them

1. Compute how much money you spend on vehicles per year. Me personally, if I spend $7000 for a vehicle, I expect to get 7 years out of it. This computes to $1000 per year. This board is delightful. Don't buy more than you can afford without sacrificing your goals. You are allowed to buy something ...
by BuckyBadger
Sun Jun 21, 2020 2:03 pm
Forum: Personal Consumer Issues
Topic: Old Cars & the expenses that go with them
Replies: 69
Views: 5130

Re: Old Cars & the expenses that go with them

Also consider if there have been substantial and significant improvements in safety or efficiency that would tip the balance in favor of a newer vehicle. I would not factor this into a decision. Lots of old cars still on the road that are perfectly fine, have been fine, and this is usually brought ...
by BuckyBadger
Thu Jun 18, 2020 2:36 pm
Forum: Personal Consumer Issues
Topic: Daycare - paying to hold a spot
Replies: 45
Views: 3062

Re: Daycare - paying to hold a spot

+1. The original statement is not grounded in any sort of reality. Just confirming that this is nonsense. And quite judgemental. Working from home is work. Raising a toddler is work. You can't do them both at the same time and do a good job at either. Editing due to the response above mine to add t...
by BuckyBadger
Thu Jun 18, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: Daycare - paying to hold a spot
Replies: 45
Views: 3062

Re: Daycare - paying to hold a spot

If we were working from home we would take care of our children - at home. I'm guessing you both have not tried to carry on professional jobs with infants and toddlers in the background, including Zoom calls with clients, interview panels, employee performance reviews, and deadlines for a report to...
by BuckyBadger
Wed Jun 17, 2020 2:02 pm
Forum: Personal Consumer Issues
Topic: Valuable antiques that don't fit your aesthetic?
Replies: 23
Views: 1004

Re: Valuable antiques that don't fit your aesthetic?

I thought "Valuable antiques" was now considered an oxymoron? Are you sure they are still valuable? If so - sell them now - next year they are likely to be worth nothing. There's at least one $800 mirror - but you're right. They might not be overall that valuable. (And I like the mirror - that one ...
by BuckyBadger
Wed Jun 17, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: Old Cars & the expenses that go with them
Replies: 69
Views: 5130

Re: Old Cars & the expenses that go with them

Also consider if there have been substantial and significant improvements in safety or efficiency that would tip the balance in favor of a newer vehicle.
by BuckyBadger
Wed Jun 17, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: Valuable antiques that don't fit your aesthetic?
Replies: 23
Views: 1004

Valuable antiques that don't fit your aesthetic?

My parents have a house full of very nice, somewhat valuable items. Some was from them and some from previous generations. Almost none of which go with our minimalist aesthetic. They've started divesting themselves of a lot of this and we're having trouble deciding what to do with the pieces that ar...
by BuckyBadger
Wed Jun 17, 2020 1:02 pm
Forum: Personal Consumer Issues
Topic: Daycare - paying to hold a spot
Replies: 45
Views: 3062

Re: Daycare - paying to hold a spot

This is a decision only you can make. How much do you want to go there? How much of a drain on your finances is it? We paid literal thousands of dollars to hold a spot for several months so that we could be sure of a spot where we wanted one. We started paying before the baby was born just so that w...
by BuckyBadger
Tue Jun 16, 2020 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 35722

Re: Car Dealers not really wanting to make a deal

The best part about buying my Tesla was that no one tried to sell it to me. I configured online and paid.

I have had several terrible experiences from pushy salesmen that left me practically in tears and I hope to never have to deal with one again!
by BuckyBadger
Wed Jun 10, 2020 7:51 am
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 446
Views: 24339

Re: What fun car should I get in the $150k - $200k range?

Still wondering how the wife is spending her $200k? That is an interesting question. :) Unless they have the same passion, that's an excellent point: it's actually a $300-$400k expense we're looking at here. That might change some of the responses. An eye for an eye. A tooth for a tooth. Is that ho...
by BuckyBadger
Tue Jun 09, 2020 12:26 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 446
Views: 24339

Re: What fun car should I get in the $150k - $200k range?

Still wondering how the wife is spending her $200k?
by BuckyBadger
Wed Jun 03, 2020 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's expectations of subsidizing her friends' lives
Replies: 82
Views: 4468

Re: Wife's expectations of subsidizing her friends' lives

How exactly is she funding the retirement of her friends? I'm having a hard time picturing that particular aspect of this.
by BuckyBadger
Tue Jun 02, 2020 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: is a shorter commute worth the extra cost?
Replies: 30
Views: 1735

Re: is a shorter commute worth the extra cost?

Yes. I would pay that much to not have a 45 minute longer commute!
by BuckyBadger
Sun May 24, 2020 12:18 am
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3538

Re: Tesla Y test drive

I'll not claim that Teslas are perfect - I'd still love Android auto. And i guess it's louder than luxury cars, but it's not a luxury car. At least the 3 and the Y aren't. They're mid range cars you're paying a premium for because of batteries and technology. I think most of the noise is from low re...
by BuckyBadger
Thu May 21, 2020 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Tax attorney weirdness
Replies: 40
Views: 3314

Re: Tax attorney weirdness

Is your situation particularly complex? If not, none of these professionals may be necessary.
by BuckyBadger
Wed May 13, 2020 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to make up for suspended employer contribution to 403b?
Replies: 1
Views: 205

How to make up for suspended employer contribution to 403b?

Due to the current economic situation, my employer will be suspending their 403b contributions for the next 12 months. We're paid under market rate partially because of our benefits, which included approximately 13% of my salary contributed to a great low fee 403b. I'd like to try to make up for thi...
by BuckyBadger
Sat May 09, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: How to block all websites on Android tablet except for those in a whitelist
Replies: 4
Views: 322

Re: How to block all websites on Android tablet except for those in a whitelist

Just a quick note that YouTube, even kids YouTube, can get incredibly toxic and harmful. People get videos into the kids section that promote things like self-harm. I plan on not letting my little one to watch YouTube without me for years and years and years. I'm interested in the answer to this que...
by BuckyBadger
Tue Apr 28, 2020 4:27 pm
Forum: Personal Investments
Topic: Holding Gold as "Doomsday Fund"
Replies: 121
Views: 5110

Re: Holding Gold as "Doomsday Fund"

The last few months have been a financial education on things I'd never thought I'd see. Oil trading at negative prices, economy shut down, unprecedented levels of unemployment, wild market swings, etc. I've held fast with my 70/30 portfolio, bought on the worst dips, and come out of it relatively ...
by BuckyBadger
Wed Apr 15, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: Finger Lakes wines?
Replies: 8
Views: 514

Re: Finger Lakes wines?

https://www.fulkersonwinery.com/wines/f ... yle/white/

MANY wonderful riesling varieties. And I know the owners personally!
by BuckyBadger
Tue Apr 07, 2020 8:03 pm
Forum: Personal Consumer Issues
Topic: No sports but cable bills unchanged
Replies: 86
Views: 6247

Re: No sports but cable bills unchanged

We cut the cable 3+ years ago because we didn’t want to pay for things we never watched: - Sports - Al Jazeera - Oxygen, HSN, Lifetime - Cartoons - Bad streaming music - Fake News - VH1/MTV - “Reality” shows - Mexican language programming that we can’t understand - ...and many others Instead, like ...
by BuckyBadger
Wed Mar 25, 2020 6:41 pm
Forum: Personal Investments
Topic: Why not stand on the sidelines for a little while?
Replies: 302
Views: 14584

Re: Why not stand on the sidelines for a little while?

Why does every market timer think that he or she somehow knows more than enough else?

And why on earth do they use SO MANY WORDS to try to convince other people of that fact??

There are so very many fancy words in this thread describing plain old market timing. It's almost poetic.
by BuckyBadger
Sat Mar 21, 2020 4:57 pm
Forum: Personal Investments
Topic: A thank you to the “pay down the mortgage” folks...
Replies: 31
Views: 3395

Re: A thank you to the “pay down the mortgage” folks...

Excellent hindsight! One might even say that it's 2020!!
by BuckyBadger
Fri Mar 20, 2020 11:01 am
Forum: Personal Investments
Topic: Help approximating total stock?
Replies: 7
Views: 285

Re: Help approximating total stock?

I believe it is 84/16. https://www.bogleheads.org/wiki/Approximating_total_stock_market Stay safe and thanks for your work! Thanks! Can you clarify your percentage? Are you saying that the sp500 fund is the same as viiix? Sorry to clarify - are you saying that viix+sp500 should be 84%? Yes, VIIIX t...
by BuckyBadger
Fri Mar 20, 2020 9:38 am
Forum: Personal Investments
Topic: Help approximating total stock?
Replies: 7
Views: 285

Re: Help approximating total stock?

Thank you all so much for the help! Trying to keep on top of this while dealing with work stuff was getting a bit overwhelming. I really appreciate you taking that investigation off my plate!!
by BuckyBadger
Fri Mar 20, 2020 9:06 am
Forum: Personal Investments
Topic: Help approximating total stock?
Replies: 7
Views: 285

Re: Help approximating total stock?

Triple digit golfer wrote:
Fri Mar 20, 2020 8:56 am
I believe it is 84/16.

https://www.bogleheads.org/wiki/Approxi ... ock_market

Stay safe and thanks for your work!
Thanks!

Can you clarify your percentage? Are you saying that the sp500 fund is the same as viiix?

Sorry to clarify - are you saying that viix+sp500 should be 84%?
by BuckyBadger
Fri Mar 20, 2020 8:54 am
Forum: Personal Investments
Topic: Help approximating total stock?
Replies: 7
Views: 285

Help approximating total stock?

What with everything going on, I'm unable to meet my overall AA just withing my 403b like I usually do. I need to put some of my husband's 401k (which is currently 100% in bonds) into stocks. He doesn't have as many good options as I do so the only thing I can really do is put it into a S&P500 index...
by BuckyBadger
Tue Mar 17, 2020 11:26 am
Forum: Personal Finance (Not Investing)
Topic: TLH for first time?
Replies: 7
Views: 248

Re: TLH for first time?

Found the place in Vanguard where I can turn off automatically investing dividends and capital gains. Do I need to turn off them both? Or just dividends?
by BuckyBadger
Tue Mar 17, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: TLH for first time?
Replies: 7
Views: 248

Re: TLH for first time?

DSInvestor wrote: Vanguard FTSE All-World ex-US Admiral VFWAX would be an excellent fund to use to replace VTIAX Total International. DSInvestor walked me through the tax loss harvest process years ago. I think we realized a $12,000 benefit, spread out over four years. We are so grateful for his ef...
by BuckyBadger
Tue Mar 17, 2020 11:20 am
Forum: Personal Finance (Not Investing)
Topic: TLH for first time?
Replies: 7
Views: 248

Re: TLH for first time?

Don't have dividends reinvested. It isn't the end of the world incurring a small wash sale but it might create some minor entries at tax time that can be avoided by not doing dividend reinvestment. Okay, I've read more about wash sales. Am I correct that this means that any reinvested dividends fro...
by BuckyBadger
Tue Mar 17, 2020 10:46 am
Forum: Personal Finance (Not Investing)
Topic: TLH for first time?
Replies: 7
Views: 248

TLH for first time?

So I'd previously drawn a line in the sand. THOU SHALL NOT TAX LOSS HARVEST! It was just one extra step of work I didn't want to do. And since I have only one taxable account containing only total international stock (VTIAX) that's been going generally up, there was never a purpose. But obviously I'...
by BuckyBadger
Tue Mar 03, 2020 8:10 pm
Forum: Personal Consumer Issues
Topic: What were they thinking? [junk mail]
Replies: 5
Views: 1132

Re: What were they thinking?

What exactly are you hoping to accomplish by doing that?

Your name and address aren't a secret.
by BuckyBadger
Mon Mar 02, 2020 9:00 am
Forum: Personal Consumer Issues
Topic: How much would you pay babysitter/nanny?
Replies: 18
Views: 1543

Re: How much would you pay babysitter/nanny?

$20 would be the minimum I would pay for three kids in that situation. If your caregiver seems happy with $20, go for it. I wouldn't hesitate to pay $25, though. Getting someone available for 10 hours a day for just one day a week is pretty hard, so I'd be willing to pay a premium for that. Point of...
by BuckyBadger
Sun Mar 01, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: Which Treadmill Should I Buy? UPDATE: Thanks Everyone!!
Replies: 22
Views: 1591

Re: Which Treadmill Should I Buy? What do you have? Which one's break down? Thoughts? Help?

I had a perfectly adequate Livestrong treadmill that lasted for about 7 years with fairly light to moderate use. Motor ended up going a few weeks ago and we replaced it with a used commercial quality machine from Play It Again Sports. The new machine is leagues better than the old one, but the old o...
by BuckyBadger
Mon Feb 24, 2020 4:58 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13588

Re: Do you ever use cash?

quantAndHold wrote:
Mon Feb 24, 2020 4:50 pm
fru-gal wrote:
Mon Feb 24, 2020 3:12 pm
farmers' market.
The vendors at the farmers’ marker all have Square readers.
I've found the same.
by BuckyBadger
Mon Feb 24, 2020 4:57 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13588

Re: Do you ever use cash?

The second problem is that when I'm paying with the credit card but nobody else is, making change is a pain in the neck. So, I end up losing out in the deal more often than not because I don't want to overcharge and I usually end up undercharging my friends. This is my fault. But I figure the dolla...
by BuckyBadger
Mon Feb 24, 2020 4:04 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13588

Re: Do you ever use cash?

I already used very little cash, and now with venmo i use even less. Babysitter and Craigslist are venmo. I charge 25 cent refills on my refillable mug at the gas station. I've recently started carrying a few singles in the stroller and diaper bag to buy from the local lemonade kids and tip the peop...
by BuckyBadger
Mon Feb 10, 2020 1:27 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 20200

Re: What is your most luxury/expensive hobby.

DW has two horses - one she competes on, and one which is retired. You forgot the fully-loaded cost of a horse trailer and large truck to pull said load of horse stuff to various shows, clinics, etc. I liken it to owning, not one, but two sailboats. All that said, she came with the horse hobby when...
by BuckyBadger
Mon Feb 10, 2020 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 968
Views: 132982

Re: How much money do you want to retire?

I'm hoping for 3mil at 50 for two of us. We're at 1.3mil at 40 and contributing ~100k a year, so I think we'll make it.

Now, if we have the testicular fortitude to actually pull the trigger at 50 I don't know!
by BuckyBadger
Mon Feb 10, 2020 12:15 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 20200

Re: What is your most luxury/expensive hobby.

Wow, do we have a lot in common, including the fact that we both recently quit. However, I still have one retiree at home. Only 20k for a horse? Ha. In order to be competitive even at the local shows now, you need a 6 figure horse. It's outrageous the expense of this sport. Even keeping one at home...
by BuckyBadger
Mon Feb 10, 2020 9:47 am
Forum: Personal Investments
Topic: Invest now or wait for correction?
Replies: 21
Views: 2077

Re: Invest now or wait for correction?

It would be great to never hear the phrase "all time high" every again. If you're investing in the stock market, you must expect that it will go up over time. If you do expect that it will go up over time, you must realize that the "all time high" will be whatever it is at that day. Therefore the pr...
by BuckyBadger
Mon Feb 10, 2020 8:24 am
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 20200

Re: What is your most luxury/expensive hobby.

I've only recently quit the most expensive hobby i think that exists. A- circuit horse showing! I mean, maybe buying a yacht is more expensive, but is yachting really a "hobby?" Operating expenses were board/training/lessons monthly from 900 at the cheapest to 2000. At more expensive full service ba...
by BuckyBadger
Sat Feb 08, 2020 12:30 pm
Forum: Personal Consumer Issues
Topic: The annual "Boglehead considering a country club" thread
Replies: 115
Views: 6930

Re: The annual "Boglehead considering a country club" thread

Does this club have the full set of country club amenities, or is it just a golf club? We belong to a club near home that has all the usual amenities except golf. We use it several times per week, and you’ll pry the membership out of my cold, dead hands. Mostly we just use the fitness center and po...
by BuckyBadger
Fri Feb 07, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: The annual "Boglehead considering a country club" thread
Replies: 115
Views: 6930

Re: The annual "Boglehead considering a country club" thread

I probably had much too rosy of an image of my wife, baby and I just relaxing peacefully there. :) I think most first-time expecting parents have a rosy picture in mind. I know I definitely did :) I feel a bit bad for you as some people are jumping on you a bit. From one side it's "How could you mi...
by BuckyBadger
Fri Feb 07, 2020 5:02 pm
Forum: Personal Consumer Issues
Topic: The annual "Boglehead considering a country club" thread
Replies: 115
Views: 6930

Re: The annual "Boglehead considering a country club" thread

Let me clarify that I don't think you're saving too little annually, but that your totals seem a little low to be comfortable spending this much on a country club.

Have you priced out child care yet?
by BuckyBadger
Fri Feb 07, 2020 3:45 pm
Forum: Personal Consumer Issues
Topic: The annual "Boglehead considering a country club" thread
Replies: 115
Views: 6930

Re: The annual "Boglehead considering a country club" thread

As the mom of a 16 month old, I share the perspective of those who say that it's an awfully big time commitment for someone about to become a father. My husband and i played and still play tennis, which as you know happens in much smaller chunks of time than golfing does, and it's hard enough for us...
by BuckyBadger
Fri Feb 07, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: Threatened with lawsuit over air travel agency for credit card chargeback
Replies: 36
Views: 3192

Re: Threatened with lawsuit over air travel agency for credit card chargeback

Hello , My answers are below : What would you have done differently? : if they have provided me information i could have cancel my ticket right away which could have save me money and no show penalty. What are you claiming they should have done? :They should have correct information about travel re...
by BuckyBadger
Fri Feb 07, 2020 2:44 pm
Forum: Personal Consumer Issues
Topic: Threatened with lawsuit over air travel agency for credit card chargeback
Replies: 36
Views: 3192

Re: Threatened with lawsuit over air travel agency for credit card chargeback

TIAX wrote:
Fri Feb 07, 2020 2:38 pm
Please paste this 3 hour policy you're referring to. I'm guessing it doesn't say if you contact us within 3 hours and we're not helpful, you can cancel without any penalty.
Yeah, that would be one HECK of a loophole.