Search found 959 matches

by BuckyBadger
Mon Aug 12, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Websites to Sell Strollers
Replies: 4
Views: 379

Re: Websites to Sell Strollers

I've bought and sold strollers on both Craigslist and Facebook Marketplace.
by BuckyBadger
Mon Aug 12, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Checking credit card statements
Replies: 52
Views: 2688

Re: Checking credit card statements

We charge EVERYTHING we can. I never have cash. One summer I got a refillable soda cup at a gas station. Refills were $0.25. I charged all my refills. I glance at my charges once or twice a month. Never more than that. I look for places that I recognize and charges that seem reasonable - nothing mor...
by BuckyBadger
Fri Aug 09, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 86
Views: 5370

Re: Ponder this, BH's... is Ben & Jerry's worth it?

There is nothing that holds a candle to Phish Food. Worth it at twice the price.
by BuckyBadger
Fri Aug 09, 2019 7:36 am
Forum: Personal Investments
Topic: Should I start indexing NOW in current Market?
Replies: 33
Views: 4506

Re: Should I start indexing NOW in current Market?

Make sure you have the right attitude about investing for your retirement as well. Investments aren't things you "take out" on a whim. You should invest money that you're going to leave alone for a long time. The fact that you already took out all your investments for an unspecified reason and are p...
by BuckyBadger
Wed Aug 07, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Largest spending category - is this an outrageous amount?
Replies: 56
Views: 3591

Re: Largest spending category - is this an outrageous amount?

"Shopping" is just too vague to determine anything. To me, everything that isn't "eating" or "existing in a house while driving cars" is shopping. However, it's up to you if you want to drill down. If it bothers you or if you aren't meeting your savings goals than for sure you can investigate. Howev...
by BuckyBadger
Wed Aug 07, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Increase in Income...do I need a "tax guy"?
Replies: 12
Views: 1224

Re: Increase in Income...do I need a "tax guy"?

Nope! As everyone has said, it's not the *amount* of income you got, it's the *kind.* We went from grad students making about $60k combined to employed PhDs making about $300k combined and nothing took any longer at all. But last year I did a small "consulting" thing for an industry company in my fi...
by BuckyBadger
Wed Jul 31, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for Stay at Home Mom?
Replies: 12
Views: 542

Re: Life Insurance for Stay at Home Mom?

I wrote life insurance FOR the kids, not ON the kids. To help raise them and put them through college when you're gone. In my defense, when you parallel the first sentence with the second one, and since you used "for" indicating the spouse, rather than "on": "You not only need life insurance for yo...
by BuckyBadger
Wed Jul 31, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for Stay at Home Mom?
Replies: 12
Views: 542

Re: Life Insurance for Stay at Home Mom?

cheese_breath wrote:
Wed Jul 31, 2019 9:24 am
You not only need life insurance for your spouse. You also need it for those kids you have now and any more you have later.
Children do not need life insurance policies taken out on themselves.
by BuckyBadger
Wed Jul 31, 2019 9:32 am
Forum: Personal Investments
Topic: Passing assets to our children
Replies: 9
Views: 703

Re: Passing assets to our children

We would like to pass some assets on to our children but we think we would prefer to do it gradually while we are still alive. What are the pros and cons for passing assets before and after death? Are there good reasons to do it after death rather than occasional gifts while still alive? Both of ou...
by BuckyBadger
Wed Jul 31, 2019 8:01 am
Forum: Personal Investments
Topic: Dumb Question - Maxing out 401k now, or at start of 2020?
Replies: 25
Views: 1877

Re: Dumb Question - Maxing out 401k now, or at start of 2020?

Looking through my employer's vendor options - it seems there 403b has two Mutual Fund company options: T. Rowe Price: https://www.troweprice.com/personal-investing/mutual-funds/index.html Fidelity: https://www.fidelity.com/mutual-funds/fidelity-funds/overview I'll have to dig a little deeper later...
by BuckyBadger
Sat Jul 27, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Thank you notes,,, out of favor these days?
Replies: 107
Views: 5760

Re: Thank you notes,,, out of favor these days?

Hand written thank you notes do not take that long to write, and my opinion of a person sours if they don't acknowledge my gifts. I went to a wedding last weekend, and my monetary gift was lowered in half as I do not expect to receive a thank you note from this couple. Maybe I am petty.... If they ...
by BuckyBadger
Wed Jul 24, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Confused about above the line AGI deductions...
Replies: 12
Views: 852

Re: Confused about above the line AGI deductions...

HueyLD wrote:
Wed Jul 24, 2019 9:50 am
You deducted $19k twice, once from yours and again from his gross income.
That is correct, but not clear to an outside observer. He has a 401k and I have a 403b. We max both out.

Will look at the other replies asap! Thanks!!
by BuckyBadger
Wed Jul 24, 2019 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Confused about above the line AGI deductions...
Replies: 12
Views: 852

Re: Confused about above the line AGI deductions...

Hmm... I must be messing up somewhere else then. I'm a regular W2 employee and I pay my premiums and on my paystub they appear to be coming off my gross. I can't figure out why my AGI never matches the one on my 1040... I thought it was easy: gross - [ 403b/401k + health care premiums + HSA (for him...
by BuckyBadger
Wed Jul 24, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Confused about above the line AGI deductions...
Replies: 12
Views: 852

Confused about above the line AGI deductions...

I'd always been under the impression that the premiums I pay for health care are above the line deductions. But I've been having trouble getting my spread sheep hand calc to match my taxes and now that I research it it looks like medical "expenses" above a certain about might be above the line, but ...
by BuckyBadger
Mon Jul 22, 2019 1:29 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Worth it?
Replies: 176
Views: 10212

Re: Tax Loss Harvesting Worth it?

I do not. I have an extremely low-maintenance simple three(ish) fund portfolio. I have a taxable account invested completely in Total International Stock. My taxable account is maybe 10-20% of my overall portfolio. It's just a bridge I haven't crossed. I figure if I do everything *mostly* right, the...
by BuckyBadger
Fri Jul 19, 2019 2:53 pm
Forum: Personal Investments
Topic: Texas 529 prepaid
Replies: 3
Views: 264

Re: Texas 529 prepaid

Does this work like it sounds like it works? Can your kid only go to a state school in Texas? What if they don't want to?
by BuckyBadger
Fri Jul 19, 2019 2:28 pm
Forum: Personal Investments
Topic: Should I avail myself of offered post-tax retirement?
Replies: 2
Views: 366

Should I avail myself of offered post-tax retirement?

So they did a re-vamp of our 403b at work and now some amount of post tax retirement is available. I'm very comfortable with where we are right now and everything is on autopilot but I wanted some opinions as to if I should take advantage of this. I'm not sure what it is exactly, but now there is a ...
by BuckyBadger
Mon Jul 01, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Intentional Divorce to avoid Marriage Penalties in tax code?
Replies: 54
Views: 5015

Re: Intentional Divorce to avoid Marriage Penalties in tax code?

I have run back-of-the-envelope calcs, and it ain’t “a couple dollars.” Try a couple thousand dollars, every year, and increasing over time. This is an absolutely trivial difference, in the scheme of things. OP, it looks like you might have household income of somewhere between $300k and $400k. If ...
by BuckyBadger
Fri Jun 28, 2019 11:15 pm
Forum: Personal Consumer Issues
Topic: Outdoor Fire Pit - Wood vs. Gas?
Replies: 53
Views: 3587

Re: Outdoor Fire Pit - Wood vs. Gas?

Love the ambiance of wood... Hate everything else.

Had a wood fireplace and used it once a year. Got a gas fireplace and use it every day in the winter.

Had a wood fire pit and used it once. Recently got a gas fire pit and used it several times a week.
by BuckyBadger
Fri Jun 28, 2019 3:25 pm
Forum: Personal Investments
Topic: Received $2.5M in cash that I need to plan for
Replies: 16
Views: 3507

Re: Received $2.5M in cash that I need to plan for

In general, though, I would stick with the individual components of the three-fund portfolio than trying to use all-in-one funds to help yourself out with taxes. Generally I keep as much bonds as possible in my tax-deferred accounts, and put stocks and international in taxable. Hmm. Can you clarify...
by BuckyBadger
Wed Jun 26, 2019 4:49 pm
Forum: Personal Investments
Topic: Received $2.5M in cash that I need to plan for
Replies: 16
Views: 3507

Re: Received $2.5M in cash that I need to plan for

My wife and I are 30 years old and live in a HCOL area. She makes a small salary that isn’t enough for her to contribute to her 403(b) and support herself, so I’m thinking of having her contribute to her 403(b) in full and just provide her with the difference from some of these recent proceeds (unt...
by BuckyBadger
Wed Jun 26, 2019 4:28 pm
Forum: Personal Investments
Topic: Received $2.5M in cash that I need to plan for
Replies: 16
Views: 3507

Re: Received $2.5M in cash that I need to plan for

My wife and I are 30 years old and live in a HCOL area. She makes a small salary that isn’t enough for her to contribute to her 403(b) and support herself, so I’m thinking of having her contribute to her 403(b) in full and just provide her with the difference from some of these recent proceeds (unt...
by BuckyBadger
Sun Jun 23, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: roofer randomly showing up to home
Replies: 28
Views: 919

Re: roofer randomly showing up to home

I read and understand everything you said. However... Nothing he did surprises me at all. And I'm frankly amazed that you've never experienced this sort of contractor! There are many professional contractors - but many more who are not. I'd count yourself lucky if you've only dealt with the good ones.
by BuckyBadger
Thu Jun 20, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: Subaru Ascent vs Toyota Highlander...
Replies: 37
Views: 4053

Re: Subaru Ascent vs Toyota Highlander...

I've had a dozen Subarus. The number of times I've had service done at a dealer that didn't involve warranty service....zero. For warranty stuff, it's either been an hour or I got loaner cars. Our most recent Subaru came from a dealer an hour and a half away. It will never be there again unless we ...
by BuckyBadger
Thu Jun 20, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: Subaru Ascent vs Toyota Highlander...
Replies: 37
Views: 4053

Re: Subaru Ascent vs Toyota Highlander...

And the reverse braking is a great feature!!
by BuckyBadger
Thu Jun 20, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Subaru Ascent vs Toyota Highlander...
Replies: 37
Views: 4053

Re: Subaru Ascent vs Toyota Highlander...

We recently had this exact decision. We looked at all the three rite row SUVs with adaptive cruise control and we narrowed it down to the 2019 Ascent or a 2017 Highlander. We choose the Ascent and it's been a dream so far. Full disclosure: our other car is an Outback. However, if i had to drive 60 m...
by BuckyBadger
Thu Jun 20, 2019 10:18 am
Forum: Personal Investments
Topic: Confused with the markets
Replies: 47
Views: 4459

Re: Confused with the markets

I enjoy reading all the different words people use to try to time the market while claiming to not be trying to time the market.

OP - get in the market... Don't get in the market... Just don't fool yourself that you're smarter than the market.
by BuckyBadger
Tue Jun 18, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Maternity and Paternity leave policies
Replies: 56
Views: 3340

Re: Maternity and Paternity leave policies

OP, my suggestion would be to figure out what you can afford to offer to all new parents and do that. Employees will understand it's a small group but appreciate fairness, especially if you add to leave as you grow or become more profitable, like you would with other benefits. You'll have better lo...
by BuckyBadger
Tue Jun 18, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Can someone reassure me - late mortgage payment through no fault of my own
Replies: 9
Views: 1157

Can someone reassure me - late mortgage payment through no fault of my own

My mortgage and my banking are through the same bank. I've had my mortgage on autopay since its inception. Toward the end of last month there was a notice on my landing page that there was going to be some online servicing and mortgage payments would not show as coming out on the 1st of the month bu...
by BuckyBadger
Tue Jun 18, 2019 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Maternity and Paternity leave policies
Replies: 56
Views: 3340

Re: Maternity and Paternity leave policies

I received 12 weeks of paid maternity leave - which as an American I've been brainwashed to think is generous. When i traveled to Europe three months before I was due and discussed my leave with my friends there they were absolutely HORRIFIED. My husband got 4 weeks paid leave. It's important to not...
by BuckyBadger
Mon Jun 17, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 555
Views: 50454

Re: Why are you NOT buying rental properties?

I just read through this thread thinking every new post from the OP would be the one that he seemed to be building up in in his very first post: I Made Millions Investing In Real Estate and You Can To!! Ask me how! Three easy payments of $49.99 +s/h. I've rarely seen someone try to sell something S...
by BuckyBadger
Mon Jun 17, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice - refinancing from 30 yr. to 10 yr. fixed mortgage
Replies: 39
Views: 2544

Re: Need advice - refinancing from 30 yr. to 10 yr. fixed mortgage

A savings of 800 a year over 10 years wouldn't be enough to compensate me for the risk of locking in that higher payment.

800 is 800 for sure, but i wouldn't think it would make that much difference to someone living in a million dollar home.
by BuckyBadger
Mon Jun 17, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6792

Re: How to avoid high vet bills?

Vet care is very personal. I always try to draw the line at quality of life. For example: Our 11 year old lab mix tore his ACL. Fixing it was binary - if you fixed it he would be fine; if you didn't he couldn't walk. We spent $3600 and fixed his leg. Our 13 year old Husky mix had a hemangiosarcoma. ...
by BuckyBadger
Mon Jun 17, 2019 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 555
Views: 50454

Re: Why are you NOT buying rental properties?

I just read through this thread thinking every new post from the OP would be the one that he seemed to be building up in in his very first post: I Made Millions Investing In Real Estate and You Can To!! Ask me how! Three easy payments of $49.99 +s/h. I've rarely seen someone try to sell something SO...
by BuckyBadger
Mon Jun 17, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Powered Recliners. How reliable are they?
Replies: 8
Views: 571

Re: Powered Recliners. How reliable are they?

We've had many powered recliners and not had any issues with the motors on any of them. As far as powering them you just have to get a little creative. If you have rugs that you can run a cable under that can help - just be smart about what you're running under a throw rug. I acknowledge that many p...
by BuckyBadger
Mon Jun 17, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Dental/Vision Insurance for Baby
Replies: 33
Views: 1560

Re: Dental/Vision Insurance for Baby

I actually asked my pediatrician and she said there was no rush. Any vision issues would be medical issues covered by health insurance, not things that are usually thought of as being covered by vision insurance. And there's no reason to start setting the dentist right away.
by BuckyBadger
Mon Jun 17, 2019 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Dental/Vision Insurance for Baby
Replies: 33
Views: 1560

Re: Dental/Vision Insurance for Baby

^^^THIS. That is highway robbery. Good lord. Definitely. If it were just a cost, and it had a deductible. Luckily, it is an incentive program. More expensive than the other plan, but after four calendar years, it hits 100% coverage on dental :happy We're on year 2 right now, and January 1 will be a...
by BuckyBadger
Thu Jun 13, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3607

Re: Sports classes in Universities

There's a large sub set of universities that have a pledge that all their students have to know how to swim well enough so as to not drown! I remember having to take a swim test at freshman orientation and those who failed had to take swim classes. I think you had to just tread water for a few minu...
by BuckyBadger
Wed Jun 12, 2019 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Home Loan from Parents
Replies: 38
Views: 4570

Re: Home Loan from Parents

Like any family finance question it could go fine or be a disaster and only you know the personalities of the people involved. My dad has provided competitively-priced loans for my brother for three houses and every car he's ever owned. The cars and homes have been modestly priced and my brother has...
by BuckyBadger
Tue Jun 11, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback 2017 - 2019 Comments
Replies: 20
Views: 2184

Re: Subaru Outback 2017 - 2019 Comments

Nate79 wrote:
Tue Jun 11, 2019 9:16 pm
Not an Outback owner but we have the new Subaru Ascent with the 2.4l turbo. I have been really impressed with the power of this motor - it really moves the Ascent and I can only imagine it will be even better in the lighter Outback.
Ditto - if it's the same as in my new Ascent you'll love it!
by BuckyBadger
Sat Jun 08, 2019 7:02 am
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3607

Re: Sports classes in Universities

Many moons ago, I had to pass a swim test when starting college. Also required was 4 semesters of Phys Ed. Same requirement no matter what your major was. If you couldn't pass the swim test, you were automatically put in swim class for your first semester of Phys Ed. That’s very interesting. There’...
by BuckyBadger
Fri Jun 07, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3607

Re: Sports classes in Universities

There's a large sub set of universities that have a pledge that all their students have to know how to swim well enough so as to not drown! I remember having to take a swim test at freshman orientation and those who failed had to take swim classes. I think you had to just tread water for a few minut...
by BuckyBadger
Thu Jun 06, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3849

Re: Does a big family need 2 big cars? Question for 3 kid+ families

AWD and adaptive cruise control SCREAMS Subaru to me. Did i miss that you've ruled a Subaru out? They get expensive very fast when you add the tech package and CarPlay. I always considered Subarus to be one of the most reasonably priced cars with active safety measures, but i suppose you might have...
by BuckyBadger
Thu Jun 06, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3849

Re: Does a big family need 2 big cars? Question for 3 kid+ families

AWD and adaptive cruise control SCREAMS Subaru to me. Did i miss that you've ruled a Subaru out? They get expensive very fast when you add the tech package and CarPlay. I always considered Subarus to be one of the most reasonably priced cars with active safety measures, but i suppose you might have...
by BuckyBadger
Thu Jun 06, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3849

Re: Does a big family need 2 big cars? Question for 3 kid+ families

Does your current car have adaptive cruise control? It was a feature that I thought would be so much more useful than it actually is. I find it to be way too sensitive. Not the op, but i LOVE mine in my Subaru. We're replacing my husband's car and trying to decide if we want it to be our road trip ...
by BuckyBadger
Thu Jun 06, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3849

Re: Does a big family need 2 big cars? Question for 3 kid+ families

AWD and adaptive cruise control SCREAMS Subaru to me.

Did i miss that you've ruled a Subaru out?
by BuckyBadger
Wed Jun 05, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 8211

Re: What flagship (even used) item is better than a budget new item?

Equestrian leather strap goods and especially saddles.
by BuckyBadger
Sat Jun 01, 2019 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Debt vs Savings
Replies: 47
Views: 4526

Re: Debt vs Savings

That is not a broadly diversified portfolio. What are the fund symbols for these? I'm curious what the expense ratios look like. Not sure what the symbols are but here's some information: American Funds Insurance Series Global Growth Fund - Class 2 : 0.80% Delaware VIP Small Cap Value Series : 1.07...
by BuckyBadger
Sat Jun 01, 2019 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Debt vs Savings
Replies: 47
Views: 4526

Re: Debt vs Savings

I do not agree with halting the retirement contributions as I am currently not even close to saving enough so I will leave that as is for now. Never mind the casino that is the stock market, but that's for another thread. :mrgreen: This statement about the market being like a casino is a little wor...