Search found 856 matches

by BuckyBadger
Mon Jan 21, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 120
Views: 6615

Re: Grocery shopping strategy

No one has mentioned this yet, so i will. 95 percent of our shopping is done through Shipt now. We pay a slight premium, a yearly fee, and i tip on each order. However, the fact that i submit a list and get nothing but what is on that list makes so the difference. I save more by not going to the sto...
by BuckyBadger
Wed Jan 16, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 11001

Re: Are You Dumping Netflix?

Absolutely, they're risking losing my business by raising prices! [ waits until Netflix public relations scrolls to next post ....Lord no, it's a bargain at twice the price.] They already lost mine. To many depressing shows all the time. I'm done. I also only watch light things these days - and I f...
by BuckyBadger
Wed Jan 16, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 11001

Re: Are You Dumping Netflix?

I'm not dumping Netflix, but will be dropping HBO after Game of Thrones ends. I simply don't watch it enough outside of that to justify keeping it. All of their shows are eventually on Amazon, anyway. We get HBO for the duration of GoT and then cancel it again every year. Do that for Veep, too. Goo...
by BuckyBadger
Wed Jan 16, 2019 10:43 am
Forum: Personal Finance (Not Investing)
Topic: What kind of health insurance for a newborn?
Replies: 9
Views: 789

Re: What kind of health insurance for a newborn?

Am I correct in my understanding that I can enroll a newborn within the first 60 days of birth and it would be retroactive? Newborns see the doctor a lot (at birth, a week or so after birth, and at least 6 more times during the first year, assuming the kid is healthy). So factor in co-pays/co-insur...
by BuckyBadger
Wed Jan 16, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 11001

Re: Are You Dumping Netflix?

I'm not dumping Netflix, but will be dropping HBO after Game of Thrones ends. I simply don't watch it enough outside of that to justify keeping it. All of their shows are eventually on Amazon, anyway. We get HBO for the duration of GoT and then cancel it again every year. Do that for Veep, too.
by BuckyBadger
Wed Jan 16, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 32
Views: 2359

Re: Swimming, do you? Advice sought.

I've done some sprint and Olympic distance Triathlons in my 20s and always struggled with the swimming part... I used to joke that I was glad they made you swim first because if you drowned then you weren't wasting your time doing the rest of the event. Part of my problem was swimming in natural bod...
by BuckyBadger
Wed Jan 16, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Using carry-on for traveling locally?
Replies: 22
Views: 1635

Re: Using carry-on for traveling locally?

Are you looking for luggafe suggestions? I can't really tell. I've been very happy with the Amazon Basics hard sided rolling luggage. I have two pieces in different sizes and for the price I think they're amazing. I have the 20 and the 24 inch I think. I already had a big bag, but still consider buy...
by BuckyBadger
Wed Jan 16, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 11001

Re: Are You Dumping Netflix?

It's still an amazing deal for the content. $2 more a month? I have bigger fish to fry.

I found a $20 the other day in an old purse. There's most of a year sorted.
by BuckyBadger
Tue Jan 15, 2019 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Building Taxable Account
Replies: 12
Views: 987

Re: Need Advice on Building Taxable Account

JD13 wrote:
Tue Jan 15, 2019 10:11 am
2055 Retirements funds are not so cheap. AFAIK they have an E.R of 0.69
A little bit of ER is a small price to pay against the alternative when the OP has a history of stock picking...
by BuckyBadger
Tue Jan 15, 2019 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Building Taxable Account
Replies: 12
Views: 987

Re: Need Advice on Building Taxable Account

This is a case where teasing out the different parts of a target date fund would optimize your plan because it would then be easy to keep bonds out of your taxable account completely. however, if you have good target date funds in all those accounts it's probably a good idea to leave them there - es...
by BuckyBadger
Tue Jan 15, 2019 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone have entire 401K in bonds?
Replies: 56
Views: 5539

Re: Does anyone have entire 401K in bonds?

All of my husband's 401k is in bonds. However, this is because it's just a portion of all our accounts that makeup our overall AA of 70/30 stocks to bonds. It's the best fund in his plan and holds the majority of the bonds in our AA. Our Roth IRAs are 100% Total Stock, our taxable account earmarked ...
by BuckyBadger
Mon Jan 14, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 3766

Re: Duffel Bag vs Wheeled Stand Up traveling

On a short flight without connections I'll work with a soft non-wheeled bag of some sort, but if I have a connection I really prefer my small hard sided spinner. It doubles as a leg/foot rest when I'm waiting for my connection and that GREATLY increases my overall comfort...
by BuckyBadger
Mon Jan 14, 2019 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Rewards Visa -- predatory lending?
Replies: 38
Views: 4364

Re: Amazon Rewards Visa -- predatory lending?

I also thought this was how all credit cards worked.

FWIW, I have the Amazon rewards card. I love it. We spend a lot on Amazon. And if I remember correctly, it's the one we used when we traveled abroad because I believe it has no foreign transaction fee.

It's a good card.
by BuckyBadger
Wed Jan 09, 2019 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Too many credit cards?
Replies: 54
Views: 2818

Re: Too many credit cards?

How much spend do you put on your cards, and how much cash back do you earn? Only you can decide if those “earnings” are worth the hassle you perceive. Perhaps a single 2% cash back card would be both simpler and give you enough of a rebate? You need to look at your spend by categories and do the m...
by BuckyBadger
Thu Jan 03, 2019 9:42 am
Forum: Investing - Help with Personal Investments
Topic: transfering assets to Vanguard 529
Replies: 1
Views: 148

transfering assets to Vanguard 529

Good New Year to you all! While going into Vanguard this morning to make our 2019 IRA contributions I realized that I could simplify my life a bit by using the Vanguard 529 plan instead of the North Carolina one. I don't get any state tax benefit for NC, and the NC website is truly horrendous. I hav...
by BuckyBadger
Sat Sep 15, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10476

Re: Anyone else not save for cars?

I'm surprised it took 50 posts to get to this. This is what we do - was even better back when HELOC interest was tax deductible... Look at the loans offered and at the HELOC rate and go with whatever is better. Pay off by funneling our "other" savings toward the loan until it's paid off. That way w...
by BuckyBadger
Tue Sep 11, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10476

Re: Anyone else not save for cars?

It's true that the zero or near-zero percent loans are appealing. However, there is another side to the story. Walking into a buying situation in which you say "I have cash in hand and will buy today" facilitates getting an excellent deal in which you dictate the terms. Although this may sometimes ...
by BuckyBadger
Tue Sep 11, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10476

Re: Anyone else not save for cars?

I usually finance my cars with our Home Equity Line. Prime minus 1/2% and I pay it off over 4-5 years. I prefer that to building up a bunch of cash over time to make a cash purchase several years down the road. I'm surprised it took 50 posts to get to this. This is what we do - was even better back...
by BuckyBadger
Tue Sep 11, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10476

Re: Anyone else not save for cars?

I usually finance my cars with our Home Equity Line. Prime minus 1/2% and I pay it off over 4-5 years. I prefer that to building up a bunch of cash over time to make a cash purchase several years down the road. I'm surprised it took 50 posts to get to this. This is what we do - was even better back...
by BuckyBadger
Fri Sep 07, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 10546

Re: Max you should invest in a 529?

WhiteMaxima wrote:
Fri Sep 07, 2018 11:40 am
I mean why waste money in K12 private school? Buy or even rent a home at good school district.
That's not really the point of this thread, though, is it.
by BuckyBadger
Fri Sep 07, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 10546

Re: Max you should invest in a 529?

Why use to 12k education? It's been paid by your property tax and how many years you can compound? 529 was designed for college and you have not too long time to compound (one or two bulls). Private schools aren't paid for by property tax. And money could have been compounding up to 18 years or mor...
by BuckyBadger
Fri Sep 07, 2018 8:51 am
Forum: Investing - Help with Personal Investments
Topic: What sort of account could my MIL have just set up for my husband?
Replies: 5
Views: 630

Re: What sort of account could my MIL have just set up for my husband?

My MIL always put one of her children on each of her checking accounts without telling them. She also liked to open CDs at various banks around her town. No one knew where she had all her accounts. She would also go to different hospitals to keep her children from knowing she had medical problems. ...
by BuckyBadger
Fri Sep 07, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: What sort of account could my MIL have just set up for my husband?
Replies: 5
Views: 630

Re: What sort of account could my MIL have just set up for my husband?

jebmke wrote:
Fri Sep 07, 2018 8:41 am
If she has IRAs should could be completing the beneficiary information; or TOD transfer instructions for bank accounts.
That actually makes sense, and would probably be the way she would phrase it.

Thanks!
by BuckyBadger
Fri Sep 07, 2018 8:38 am
Forum: Investing - Help with Personal Investments
Topic: What sort of account could my MIL have just set up for my husband?
Replies: 5
Views: 630

What sort of account could my MIL have just set up for my husband?

A few days ago my husband got a text from his mother asking for some of his information because she was setting up some sort of accounts for him, his sister, and his half brother. The only things I could think of that she could be doing would be setting up trusts or something? But she's not wealthy ...
by BuckyBadger
Fri Sep 07, 2018 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 10546

Re: Max you should invest in a 529?

Besides the discussion regarding if one should or should not be using a 529 -- anyone else care to comment on how much they are investing yearly? Anyone contributing more than $10k / child per year? What is your goal amount at the time of high school graduation (in today's dollars)? Thus far we hav...
by BuckyBadger
Thu Sep 06, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 5224

Re: To Be or Not to Be...Married

Didn't we JUST have this discussion in a thread about getting a divorce over something like $1500 a year in tax savings? OP - search for that thread. There are social and monetary benefits to being married, especially if you have kids. No reason we have to rehash the whole thing again. Seriously, it...
by BuckyBadger
Mon Sep 03, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: first round ticket to US Open Tennis 2019
Replies: 17
Views: 1626

Re: first round ticket to US Open Tennis 2019

If you just want a tick "I saw Serena play at the US Open" box, then you can do it from the cheap seats in Ashe, and depending on how quickly you can get to NYC you may or may not be able to pull the trigger at the last minute like we did in 2016. If you want to be closer to the action you'll have ...
by BuckyBadger
Mon Sep 03, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: first round ticket to US Open Tennis 2019
Replies: 17
Views: 1626

Re: first round ticket to US Open Tennis 2019

Are you a tennis fan, or is your only goal to watch Serena play? I ask because my recommendations would be very different for those two things. I've been to countless tennis tournaments including the Grand slam events, but for me it's mostly about the tennis and less so about the Big Names, so I pre...
by BuckyBadger
Mon Sep 03, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: new mattress/bed - king size upstairs
Replies: 16
Views: 2963

Re: new mattress/bed - king size upstairs

Split King mattresses seen to be very common now which really help with transportation! A king is just the size of two XL twin mattresses. We've had no complaints with a split King, and just use normal deep pocket King sized sheets (some will claim you need separate fitted sheets but this isn't the ...
by BuckyBadger
Tue Aug 28, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 12318

Re: How do you 7 figure guys organize multiple accounts?

I simplify. I don't chase checking account bonus things, so I have one checking and one savings at one bank. I don't chase credit card bonuses, so I have a limited number of cards and primarily use the 2% cashback Citi card. I roll everything into whatever I can. So - one 403b for me with all old on...
by BuckyBadger
Mon Aug 27, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22559

Re: Did you celebrate when you finally hit $1m?

I got SO close after January 2018 (growth and 2018 contributions kicked it up in January) - if not for rounding down to 999 I would have "made" it! But then February, March, and April happened... November-2017-$911 December-2017-$929 January-2018-$946 February-2018-$999 March-2018-$980 April-2108-$...
by BuckyBadger
Mon Aug 27, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22559

Re: Did you celebrate when you finally hit $1m?

I got SO close after January 2018 (growth and 2018 contributions kicked it up in January) - if not for rounding down to 999 I would have "made" it! But then February, March, and April happened... November-2017-$911 December-2017-$929 January-2018-$946 February-2018-$999 March-2018-$980 April-2108-$9...
by BuckyBadger
Thu Aug 23, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: What to do with cash in this market?
Replies: 34
Views: 3428

Re: What to do with cash in this market?

This really is a popular question these last few days, isn't it! Invest cash according to your asset allocation. If you're not comfortable doing that then reassess your asset allocation until it's something you're comfortable with. If you were like me and didn't watch financial news, you wouldn't ev...
by BuckyBadger
Thu Aug 23, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: Stock options inducing employee sabotage
Replies: 14
Views: 1708

Re: Stock options inducing employee sabotage

Or they could just buy put options, do nothing illegal, and wait for the regular monthly Chipotle mass poisoning. How the heck that company keeps going strong is beyond me. If I was Moe's, I'd be running TV ads that look like made for TV infomercials. In black and white, woman keels over holding he...
by BuckyBadger
Wed Aug 22, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance - does this seem reasonable? (Added another ? about company)
Replies: 19
Views: 955

Re: Life Insurance - does this seem reasonable? (Added another ? about company)

Thanks for all the comments, everyone!

I'm working with an independent broker now and Amica definitely doesn't have the best rates.

Thanks for the help!
by BuckyBadger
Wed Aug 22, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance - again
Replies: 34
Views: 2824

Re: Umbrella insurance - again

We have $2mil at Amica for $532, so that doesn't seem too far off. Could depend on underlying overages and bundled policies and whatnot.
by BuckyBadger
Wed Aug 22, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 5196

Re: Is divorce a wise financial move?

At this point I think it's safe to say that this is a troll. For all his complaints about *us* not staying on topic, he has been told several times about the different things he would be giving up by divorcing and hasn't asked for discussion or expressed any interest in any of them. He's clearly not...
by BuckyBadger
Wed Aug 22, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 5196

Re: Is divorce a wise financial move?

You would also lose Spousal Privilege in court: https://www.appealslawgroup.com/can-my-spouse-testify-against-me-at-my-criminal-trial/ For the moralizers out there, loving long term relationships and marriage are two separate things that some people are capable of distinguishing. I think people are...
by BuckyBadger
Wed Aug 22, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance - does this seem reasonable? (Added another ? about company)
Replies: 19
Views: 955

Re: Life Insurance - does this seem reasonable? (Added another ? about company)

It's impossible to say whether those rates are reasonable without knowing anything about either of your health histories and what company those quotes are from. I'm an insurance agent and I tell everyone the same thing too - "quotes are meaningless without an offer of coverage from the insurance co...
by BuckyBadger
Wed Aug 22, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance - does this seem reasonable? (Added another ? about company)
Replies: 19
Views: 955

Re: Life Insurance - does this seem reasonable? (Added another ? about company)

It's impossible to say whether those rates are reasonable without knowing anything about either of your health histories and what company those quotes are from. I'm an insurance agent and I tell everyone the same thing too - "quotes are meaningless without an offer of coverage from the insurance co...
by BuckyBadger
Wed Aug 22, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 5196

Re: Is divorce a wise financial move?

Everyone else covered the other issues. Plus, how much does it cost to get divorced? I assume several hundred dollars at least. And as every else has already said: health care, SS, seeing your loved one in a hospital, inheriting assets... You seem to be the one not acknowledging those "concrete lega...
by BuckyBadger
Wed Aug 22, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy engagement ring?
Replies: 61
Views: 4955

Re: Where to buy engagement ring?

I got mine in the diamond district of Chicago. We went up in this totally sketchy armored elevator in a totally sketchy building and stepped out into the most glorious place I've ever been. It was beautiful and tremendous and I loved it! I just checked and it looks like he's only in Chicago - but ma...
by BuckyBadger
Wed Aug 22, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 5196

Re: Is divorce a wise financial move?

Getting divorced to save $1500 in taxes every year seems like a pretty textbook definition of cutting off your nose to spite your face.
by BuckyBadger
Wed Aug 22, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance - does this seem reasonable? (Added another ? about company)
Replies: 19
Views: 955

Life Insurance - does this seem reasonable? (Added another ? about company)

After procrastinating SO much, I'm trying to pull the trigger on this. Of course, now I've left it so long that I'll probably not get it sorted out before I pop out this kid, but at least the ball is rolling. Wanted to get your thoughts on what we're thinking for policy sizes and prices - does every...
by BuckyBadger
Mon Aug 20, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you put away in investments?
Replies: 66
Views: 5559

Re: How much do you put away in investments?

Total with company matches is ~$95k, or ~30% of our $325k combined gross income.

Without company match it's ~$65k, or ~20% of our $325k combined gross income.

This includes two maxed 401k/403bs, two maxed backdoor ROths, a maxed out individual HSA, and additional taxable investments.
by BuckyBadger
Wed Aug 15, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2905

Re: 33 Male, how am I doing?

Just out of curiosity, how does your being male enter into your question?
by BuckyBadger
Wed Aug 15, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: When do you change your IPS?
Replies: 8
Views: 932

When do you change your IPS?

I've been contemplating my IPS for a little while now and I was wondering how you all decided to change your IPS - if you ever did. Mu IPS is very straightforward. https://image.ibb.co/jWyr4T/BH_IPS.jpg Clearly some life changes necessitate changes. I edited mine to add 529 goals after we found out ...
by BuckyBadger
Tue Aug 14, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Railroad Retirement vs Social Security
Replies: 13
Views: 1438

Re: Railroad Retirement vs Social Security

I don't know much about pensions, having never been anywhere where one was offered.

If you decide you want to retire before age 60, or you are forced to quit due to medical reasons for example, are you SOL and get nothing?
by BuckyBadger
Tue Aug 14, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 74
Views: 7980

Re: Marriage [How should finances be handled?]

We have one savings account and one checking account. All our money goes in. We share joint credit cards. Around Christmas and birthdays we just don't look at bills. We can buy anything we want for each other or for ourselves. If it's more than a couple hundred dollars we will discuss. This works be...
by BuckyBadger
Thu Aug 09, 2018 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Poor HSA Investment Options
Replies: 23
Views: 1752

Re: Poor HSA Investment Options

Expense ratios?