Search found 755 matches

by BuckyBadger
Wed Jul 18, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Phasing out Roth vs 401k/HEI
Replies: 11
Views: 766

Re: Phasing our Roth vs 401k

Just do a backdoor Roth and max our your pre tax 401k. Don't bother tinkering aorund with phasouts or anything like that. Just contribute the max to a traditional non-deductable IRA and then convert it to Roth. There's no drawback and it's clean and easy and you don't have to worry about where your ...
by BuckyBadger
Tue Jul 17, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Buy a vacation home while renting
Replies: 61
Views: 3507

Re: Buy a vacation home while renting

Being able to go spur of the moment (which you say you want to do due to unpredictable schedules) seems at odds with a desire to rent it out when you're not using it. If you intended on using it every weekend that would also be different. I would wait on this purchase. Definitely until the student l...
by BuckyBadger
Thu Jul 12, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: NEVER MIND I found explanation: "Family maximum" social security - what does it mean exactly?
Replies: 2
Views: 536

NEVER MIND I found explanation: "Family maximum" social security - what does it mean exactly?

I'm trying to think about how feasible our early retirement plan might still be what with a baby on the way and I was considering social security benefits. Both my husband and I are relatively high earners, and when I go through the calculators we seem to be entitled to fairly substantial benefits e...
by BuckyBadger
Tue Jul 10, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Target date funds....unsophisticated?
Replies: 64
Views: 4523

Re: Target date funds....unsophisticated?

If I had good target date funds available in all my accounts I would use them. But since I don't, it's hard to have target date in 4 of 5 accounts and then figure out what to put in the 5th that still keeps the AA I want. There are also some inefficiencies to keeping target date funds in taxable acc...
by BuckyBadger
Tue Jul 10, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 62
Views: 4885

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

I'm sorry, what was the question? I can't hear you over the sound of my user name...
by BuckyBadger
Mon Jul 09, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5618

Re: Girls and investing

I feel like this thread is starting to derail, but if the point here is to promote gender equality in investing, I'm not sure statements like this help. In one sentence you say that a lot of men are asking advice for how to get their (female) spouses more involved in investing, and then later you s...
by BuckyBadger
Mon Jul 09, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5618

Re: Girls and investing

As a female who is also the investing head of the joint household I must say that many of the OP's claims seem very odd to me. My father was a financial analyst who retired at 55 and he gave myself and my brother the same opportunities to learn. I took them and my brother didn't. I asked my dad to s...
by BuckyBadger
Thu Jul 05, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4046

Re: Is there a current car without a console between the front seats?

You could consider a used Honda Element. They no longer make them, but they're wonderful cars and we love ours! Not a bench seat, but no console, and if you lifted up the arms you could easily set stuff on the passenger seat, although you may not be able to slide it there. They're also built a littl...
by BuckyBadger
Sat Jun 23, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Dual king mattress
Replies: 14
Views: 1429

Re: Dual king mattress

Two twin xls are actually a regular King, not a California King. California Kings are narrower and longer. Regular king is 76 by 80. California King is 72 by 84. Split Kings are also obviously easier to move! We have a split King on adjustable bases. It's the Costco temperpedic knock off and we LOVE...
by BuckyBadger
Sat Jun 23, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Behind the 8-Ball at 36
Replies: 13
Views: 3232

Re: Behind the 8-Ball at 36

Nothing says you have to do factor investing or anything the least bit complicated. I certainly don't, and i don't plan on starting.

There fund portfolio should be no problem!
by BuckyBadger
Tue Jun 19, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Sanity check my 529 decision? High earners.
Replies: 3
Views: 711

Sanity check my 529 decision? High earners.

Good morning! As the impending birth of our first little Nugget looms large, I'm trying to figure out exactly how I want to do her 529. Background: We are fortunate enough to already max all tax advantaged accounts (401k, 403b, individual HSA not used for savings not actual bills, 2xROTH via backdoo...
by BuckyBadger
Sat Jun 09, 2018 12:02 am
Forum: Personal Finance (Not Investing)
Topic: How much to budget for a week long vacation for 2?
Replies: 79
Views: 4467

Re: How much to budget for a week long vacation for 2?

Unless someone has literally never been on a vacation ever, i don't see how the varied vacation habits of a bunch of strangers could be more helpful than his or her own experience. OP, have you ever gone anywhere? How much did it cost? That's the only benchmark you really need. I know that a week in...
by BuckyBadger
Thu May 31, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a monthly household budget?
Replies: 63
Views: 4120

Re: Do you have a monthly household budget?

The majority of us believe we are above average and on the question of whether or not to budget, we will rationalize whichever side of the debate we happen to find ourselves representing. On this board, I think we are all above average - at least in the area of money! If we weren't above average we...
by BuckyBadger
Thu May 31, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: What to do after maxing retirement contributions?
Replies: 31
Views: 3509

Re: What to do after maxing retirement contributions?

I would work on paying off the mortgage, and some into taxable - its actually exactly what I do. You have a large emergency fund, and piling cash into retirement, so you have risk pretty darn well covered. I think its much riskier in your case to hold onto the mortgage a day longer than necessary, ...
by BuckyBadger
Thu May 31, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17962

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

"Typically students who opt to join universities where they would be in Top 1% - 2% of the student body based on Grades/Test Scores/ECs get merit aid. Usually a student who has average stats for any university, will have to look at other universities 30 - 50 ranks below to become Top 1% - 2% of the...
by BuckyBadger
Thu May 31, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17962

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

"Typically students who opt to join universities where they would be in Top 1% - 2% of the student body based on Grades/Test Scores/ECs get merit aid. Usually a student who has average stats for any university, will have to look at other universities 30 - 50 ranks below to become Top 1% - 2% of the...
by BuckyBadger
Thu May 31, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17962

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

https://www.bogleheads.org/forum/viewtopic.php?f=2&t=194755&p=3893779&hilit=notre+dame#p3893779 Here's the link to Timmy. I had no idea about that thread and don't even know what it's about, and don't have time to read 12+ pages... But... Timmy's going to my alma mater!! So - Go Irish, Go Timmy!
by BuckyBadger
Thu May 31, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: What to do after maxing retirement contributions?
Replies: 31
Views: 3509

Re: What to do after maxing retirement contributions?

I would work on paying off the mortgage, and some into taxable - its actually exactly what I do. You have a large emergency fund, and piling cash into retirement, so you have risk pretty darn well covered. I think its much riskier in your case to hold onto the mortgage a day longer than necessary, ...
by BuckyBadger
Thu May 31, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Do you have a monthly household budget?
Replies: 63
Views: 4120

Re: Do you have a monthly household budget?

We don't budget. We put away more money than we should need to meet our goals and we spend the rest. I have a google doc that tracks and predicts our spending so we'll see in advance if we have a big bill coming up and adjust. We keep enough in our accounts to act as a slush fund to absorb fluctuati...
by BuckyBadger
Thu May 31, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: obtainable credit card for teen?
Replies: 8
Views: 530

Re: obtainable credit card for teen?

My first CC was through my parent's credit union, I think. It was a great learning tool. It had a low limit but was my very own card. I think I got it at 16?
by BuckyBadger
Thu May 31, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: What to do after maxing retirement contributions?
Replies: 31
Views: 3509

Re: What to do after maxing retirement contributions?

If you want the extra money to help you retire earlier, then consider it as part of your retirement portfolio and allocate it accordingly. No bonds in taxable. My retirement-earmarked taxable is in Total Foreign Stock. One portfolio = one allocation. If it's for something else on a different timelin...
by BuckyBadger
Thu May 31, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Roommate in a house?
Replies: 32
Views: 2981

Re: Roommate in a house?

In what way would anything have to do with taxes? I'm not sure I understand the question. If you're not married, you still file individually. You follow whatever lease agreement and payment you decide on as if you were regular roommates and not a couple. ETA Technically she should declare the renta...
by BuckyBadger
Thu May 31, 2018 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Advice for bad advice
Replies: 14
Views: 1898

Re: Advice for bad advice

My concern is what the rest of the portfolio (IRA, 401k) is invested in. Hopefully not also individual stocks?

A $2300 account is barely noise here. Just cash it out and do whatever you want with the $2300...
by BuckyBadger
Thu May 31, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Roommate in a house?
Replies: 32
Views: 2981

Re: Roommate in a house?

In what way would anything have to do with taxes? I'm not sure I understand the question. If you're not married, you still file individually. You follow whatever lease agreement and payment you decide on as if you were regular roommates and not a couple. ETA Technically she should declare the rental...
by BuckyBadger
Thu May 31, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17962

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

In my experience, no, they don't for highly sought after schools. Caveat, i was an above average female student in a STEM field. Due to my grades and my residency i would have gotten ten or twenty grand a year off going to an excellent state University. I did get several full ride offers from small ...
by BuckyBadger
Fri May 25, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 64
Views: 5889

Re: Alexa Echo sent family's audio file to a contact

I love my Alexa and this news doesn't concern me. I agree that she's not for everyone. But I also like that Google automatically puts things form my emails into my calendar and reminds me of appointments and birthdays and whatnot. We were early adopters with Alexa and our one regret is that maybe w...
by BuckyBadger
Fri May 25, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 64
Views: 5889

Re: Alexa Echo sent family's audio file to a contact

I love my Alexa and this news doesn't concern me. I agree that she's not for everyone. But I also like that Google automatically puts things form my emails into my calendar and reminds me of appointments and birthdays and whatnot. We were early adopters with Alexa and our one regret is that maybe w...
by BuckyBadger
Fri May 25, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Rum and Summer Cocktails
Replies: 30
Views: 2083

Re: Rum and Summer Cocktails

Siesta Key rums have literally changed my life! Rum drinks became my FAVORITE drinks (until this whole being pregnant thing really cramped my style...) after finding this rum. Every flavor of their small batch rums is amazing, but their coconut rum is out of this world. We keep all three (spices, si...
by BuckyBadger
Fri May 25, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 64
Views: 5889

Re: Alexa Echo sent family's audio file to a contact

I love my Alexa and this news doesn't concern me. I agree that she's not for everyone. But I also like that Google automatically puts things form my emails into my calendar and reminds me of appointments and birthdays and whatnot. We were early adopters with Alexa and our one regret is that maybe we...
by BuckyBadger
Fri May 18, 2018 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Applying for Costco Visa--need to selectively lift credit report freeze
Replies: 5
Views: 753

Re: Applying for Costco Visa--need to selectively lift credit report freeze

When i applied for my Citi card back card and then later my Amazon card, i just applied and waited until i got a rejection letter with a phone number to call. The letter says something about not being able to access you record and to call them for more information. I called back and spoke to a human...
by BuckyBadger
Fri May 11, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: LifeLock with Credit Freeze?
Replies: 2
Views: 341

Re: LifeLock with Credit Freeze?

Not to derail a related thread...asking separately: Significant other has LifeLock due to a previous ID theft years ago. Now our credits are frozen at all agencies. Does LifeLock actually have any function now that Credit is frozen? Thanks! Most reputable sites and individuals don't believe that cr...
by BuckyBadger
Fri May 11, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3438

Re: Do I need to unfreeze my credit before applying for a new card?

Considering how he makes his money, I'd bet he gets kickbacks from credit monitoring services that he recommends. He's not going to see a benefit from recommending credit freezes, so he doesn't recommend them. ...And yet in the article he says he has frozen his credit reports! Haha! I clicked on th...
by BuckyBadger
Fri May 11, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3438

Re: Do I need to unfreeze my credit before applying for a new card?

I know it's Dave Ramsey.... but I found this answer interesting regarding the question posed, "When should I freeze my credit?": https://www.daveramsey.com/askdave/debt/when-should-i-freeze-my-credit Here's an excerpt: "They’re fairly difficult to unfreeze. You just don’t want to jump in and out of...
by BuckyBadger
Fri May 11, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3438

Re: Do I need to unfreeze my credit before applying for a new card?

I much prefer Clark Howard's information. https://clark.com/personal-finance-credit/credit-freeze-and-thaw-guide/ This thread has gotten off track - from the OP asking about applying for a credit card into a debate about the very concept of a credit freeze. Everyone must make their own decision, of ...
by BuckyBadger
Thu May 10, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 33
Views: 2862

Re: 36" or 42" wide Refrigerator?

You've got some good suggestions already about width, so i won't add anything. We have a standard width. It's a nice house (about $475000) but not super high end. The fridge does stick out a few inches, but it's got it's own box that it's set in, so it looks perfectly fine! However, I wouldn't recom...
by BuckyBadger
Thu May 10, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3438

Re: Do I need to unfreeze my credit before applying for a new card?

We apply with the freeze still on, when we get turned down they will send a letter explain they couldn't check our credit history because of our freeze. The letter explain which credit agency they use and ask us to unfreeze that agency and call them. So we unfreeze that one and call them to the let...
by BuckyBadger
Thu May 10, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3438

Re: Do I need to unfreeze my credit before applying for a new card?

Yes, of course. Don't take credit freezing lightly, as it's a pretty drastic step for identity theft prevention (IMO), and really it would have been best to realize the ramifications of having done so prior to freezing. I disagree. It's hardly a drastic step. In many states it's free, and for peopl...
by BuckyBadger
Tue May 08, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Will/Trust question for kids
Replies: 23
Views: 2057

Will/Trust question for kids

My husband and I are finally getting around to writing our wills, what with our first little Nugget on the way. I was wondering what most people recommend for arrangements for kids. I thanks that we're going to ask my brother and his wife to care for the kid. They have a one and a half year old and ...
by BuckyBadger
Sun May 06, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation to combine Dave Ramsey and Vanguard?
Replies: 79
Views: 7315

Re: Allocation to combine Dave Ramsey and Vanguard?

Honestly, now that I've been researching mutual funds for a few weeks I better understand why Dave Ramsey suggests hiring a financial planner. It's an overwhelming amount of information to take in and understand. I enjoy it. The average investor doesn't. Most people are also too busy building their...
by BuckyBadger
Tue May 01, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Asheville, NC Visit
Replies: 20
Views: 1966

Re: Asheville, NC Visit

I've been zip lining and white water (mild) rafting in Ashville. Both were AWESOME!
by BuckyBadger
Mon Apr 30, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 9336

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Sounds like the car is ready to go and they have a plan. Make sure they know to call if they need anything, and remind them to follow their instincts if something / someone doesn't seem right. This is a lot more important than you may think. Women are trained by society to ignore their instincts. T...
by BuckyBadger
Fri Apr 27, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 11545

Re: Amazon to raise Prime membership in US to $119 from $99

100% still in. Still a great deal with everything available streaming. The shipping is just a bonus for us at this point.
by BuckyBadger
Fri Apr 27, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 6553

Re: Learning to drive stick

Honestly, I'd pay the $280. I drive stick - I learned young and many of my cars have been manual transmission. 2 of our 3 current cars are stick. I taught my husband how to drive stick. But the thought of taking a class and then trying to drive a stick in a foreign location sounds like an absolute h...
by BuckyBadger
Thu Apr 26, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: 401k only up to the match and the rest in IRA's...
Replies: 7
Views: 835

Re: 401k only up to the match and the rest in IRA's...

Thank you Bucky Badger. My thoughts were that there is no additional advantage to the employee to invest in the 401k beyond the "match". By investing any additional desired savings in an IRA (say at Vanguard), you would have the ability to invest in low cost mutual funds and without having to pay a...
by BuckyBadger
Thu Apr 26, 2018 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Allocation Debate - consider all accounts as one?
Replies: 22
Views: 1497

Re: Allocation Debate - consider all accounts as one?

I treat my tax deferred and taxable separately. This is due to the different time horizons I have on both of them. Of course. But if the taxable account is intended for retirement it should still be the same bucket. I made the assumption that that's what we were saying. Obviously money in accounts ...
by BuckyBadger
Wed Apr 25, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus paid via 401k employer match
Replies: 23
Views: 2519

Re: Bonus paid via 401k employer match

My husband's company has given bonuses in him 401k before. I love it. Any way to get more money in the 401k is good for me! We're nowhere close to the 54k maximum.
by BuckyBadger
Wed Apr 25, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Debate - consider all accounts as one?
Replies: 22
Views: 1497

Re: Allocation Debate - consider all accounts as one?

I treat my tax deferred and taxable separately. This is due to the different time horizons I have on both of them. Of course. But if the taxable account is intended for retirement it should still be the same bucket. I made the assumption that that's what we were saying. Obviously money in accounts ...
by BuckyBadger
Wed Apr 25, 2018 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Debate - consider all accounts as one?
Replies: 22
Views: 1497

Re: Allocation Debate - consider all accounts as one?

mega317 wrote:
Wed Apr 25, 2018 12:37 pm
0.95 million! Nice!
Got up to 0.994 before the market had it's little fun in February. Killed me not to be able to round up!!!
by BuckyBadger
Wed Apr 25, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: 401k only up to the match and the rest in IRA's...
Replies: 7
Views: 835

Re: 401k only up to the match and the rest in IRA's...

Usually it's sound advice.

If you have more to save, though, usually it still makes sense to go back to the 401k. However bad the options are, the tax benefits are big. And should you ever change employers you can roll all that 401k money into an account with hopefully better fees.