Search found 1001 matches

by BuckyBadger
Mon Oct 28, 2019 5:47 am
Forum: Personal Finance (Not Investing)
Topic: How often do you shop for better insurance rates? (auto, life, home)
Replies: 24
Views: 1654

Re: How often do you shop for better insurance rates? (auto, life, home)

I never shop around. I've had Amica since i started needing insurance and the way they treated me after i was in a bad truck vs. bike accident meant they had a customer for life. The cost doesn't seem unreasonable and we can afford it, so we stay.
by BuckyBadger
Mon Oct 21, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: Updgrade car for new safety features?
Replies: 77
Views: 4866

Re: Updgrade car for new safety features?

I'm surprised at how many BH have Subarus. I always considered Subs to be a niche market. I would have guessed more Prius and Lexus cars on here. Really? I consider Subarus to be one of the most practical cars available on the road today. Makes perfect sense to me that they'd be popular on this boa...
by BuckyBadger
Mon Oct 21, 2019 4:40 pm
Forum: Personal Investments
Topic: Portfolio Review-Lazy Not for me
Replies: 28
Views: 1601

Re: Portfolio Review-Lazy Not for me

Since each of the accounts adds up to 100 percent, and since we have no idea about the relative size of the accounts, it is impossible to even discuss this portfolio.
by BuckyBadger
Mon Oct 21, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Updgrade car for new safety features?
Replies: 77
Views: 4866

Re: Updgrade car for new safety features?

Man do I love it when Bogleheads debate modern safety features in cars! I particularly love the faction that claims that they are nothing but a distraction to their absolutely perfect and completely focused skills. I'm a fan, in general, of the new active safety features. Nearly three years ago we b...
by BuckyBadger
Wed Oct 16, 2019 4:30 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA, would you attempt the process at a bank?
Replies: 4
Views: 386

Re: Backdoor Roth IRA, would you attempt the process at a bank?

I don't see why you couldn't do it at a bank, but it sure is easy to do at vanguard. Every January it's about 10 clicks and it's done. Traditional IRA just ends up sitting there with a balance of zero until next January.
by BuckyBadger
Tue Oct 15, 2019 2:54 pm
Forum: Personal Investments
Topic: going cash for 3 months 401(k)
Replies: 9
Views: 1650

Re: going cash for 3 months 401(k)

We recently moved from vanguard to Fidelity. There was a blackout period and funds were mapped and no time on the market was lost.

I would confirm that this isn't what will happen with your change.

Even if it isn't, I wouldn't recommend getting out of the market for 3 months.
by BuckyBadger
Fri Oct 11, 2019 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statements-Save Paper Ones? Electronic?
Replies: 35
Views: 1900

Re: Credit Card Statements-Save Paper Ones? Electronic?

No way do i save paper statements for credit cards! I don't save receipts, either.

I glance over the statements online before paying in full. My minimum payment is automated, but i do like glancing at the statement before i pay it.
by BuckyBadger
Fri Oct 11, 2019 6:48 am
Forum: Personal Investments
Topic: Personal Investment [Does timing the market work?]
Replies: 13
Views: 1012

Re: Personal Investment [Does timing the market work?]

I feel like we've gotten a higher than usual number of stock picking and market timing first posts lately.

I wonder if we were linked to somewhere out in the public...

OP, where did you find this board?
by BuckyBadger
Fri Oct 11, 2019 6:42 am
Forum: Personal Investments
Topic: TD Ameritrade Screw Up.... what to do to make it right?
Replies: 12
Views: 1420

Re: TD Ameritrade Screw Up.... what to do to make it right?

All - Thanks for your comments. I've been traveling, and haven't had access to the forums. To close out the story... I definitely understand the perspectives offered, and probably would agree with most if I were an outside observer. Still, I was still feeling a little "stung" based on my last conve...
by BuckyBadger
Thu Oct 10, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Hotel mini bar - rude to use for own stuff
Replies: 42
Views: 6254

Re: Hotel mini bar - rude to use for own stuff

I stayed at a lovely hotel in Savannah - nice but not super fancy or expensive or anything. They gave us a couple of sodas, a bag of chips, and a bag of m&ms with a note explaining that they were for us to enjoy free of charge. Considering it all could be purchased from Costco for about a dollar fif...
by BuckyBadger
Thu Oct 10, 2019 7:16 am
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9487

Re: Do you carry your passport with you during international travel?

Physical passport in hotel safe, paper copy on my husband's person. All you men with pockets big enough to fit a passport should consider yourself lucky! Money belts and passport wallets on lanyards are inconvenient enough with women's clothes that it's not something i want to deal with unless absol...
by BuckyBadger
Wed Oct 09, 2019 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Married with Separate bank accounts
Replies: 44
Views: 3757

Re: Married with Separate bank accounts

Dillonvillon wrote:
Wed Oct 09, 2019 5:59 pm
I'm an active trader in the market, so i can't stand seeing money just sit!
I think you should leave your wife alone - I'd rather keep it in a savings account than risk it with active trading. Perhaps she can read our Wiki and start a passive lazy portfolio of her own.
by BuckyBadger
Tue Oct 08, 2019 11:49 am
Forum: Personal Investments
Topic: Failing at Market Timing & Stock Picking- How to get an Asset Allocation I'm Comfortable With
Replies: 44
Views: 4228

Re: Failing at Market Timing & Stock Picking- How to get an Asset Allocation I'm Comfortable With

Thanks for all the quick replies. I thought this was my first IPS change since this post. Taking out the cash and lowering the small value. For the target date funds, they wont work for my situation for the reasons mentioned. They include adding thousands to my tax bill and a very different retirem...
by BuckyBadger
Mon Oct 07, 2019 10:27 pm
Forum: Personal Investments
Topic: Asset Allocation - retirement date versus age?
Replies: 21
Views: 1546

Re: Asset Allocation - retirement date versus age?

I think going with two "simplistic" rules will get you close enough. Certainly closer than getting expensive advice tailored to your advisers pocketbook rather than yours. There are few people who couldn't be serviced with a lazy 3-fund portfolio and age-5or10 in bonds. Those outliers can be addres...
by BuckyBadger
Mon Oct 07, 2019 3:12 pm
Forum: Personal Investments
Topic: Asset Allocation - retirement date versus age?
Replies: 21
Views: 1546

Re: Asset Allocation - retirement date versus age?

I see what you're saying, but making the requirements to "enter" Boglehead nation too high will scare people off. It might have scared me off in 2013. I don't think it's a bad idea for someone (like me) to take a middle of the road rule of thumb (like age-5 in bonds) and get started. If you told me...
by BuckyBadger
Mon Oct 07, 2019 1:12 pm
Forum: Personal Investments
Topic: New investor... Am I crazy?
Replies: 42
Views: 4032

Re: New investor... Am I crazy?

What you are suggesting isn't the sort of portfolio usually recommended on this forum. I would recommend a three fund "lazy" portfolio consisting of Total US Stock, Total International Stock, and Total US Bonds in a ratio that suits your willingness and ability to take risk.
by BuckyBadger
Mon Oct 07, 2019 10:40 am
Forum: Personal Investments
Topic: Asset Allocation - retirement date versus age?
Replies: 21
Views: 1546

Re: Asset Allocation - retirement date versus age?

What caused you to set your asset allocation originally? What has changed to cause a change in your thinking? If your income seems fairly secure, you may indeed be too conservative if you anticipate a conventional retirement horizon with no major unplanned expenses on the way. An exercise like this...
by BuckyBadger
Mon Oct 07, 2019 10:09 am
Forum: Personal Investments
Topic: Asset Allocation - retirement date versus age?
Replies: 21
Views: 1546

Re: Asset Allocation - retirement date versus age?

OP, AA allocation based on retirement date and age is both wrong. The correct answer is AA should be based on the portfolio size. It is easy to prove this. A) If we hit a bad bear market, both date and age will be off. B) If you have a windfall of 1 million, your AA needs to be adjusted immediately...
by BuckyBadger
Mon Oct 07, 2019 10:07 am
Forum: Personal Investments
Topic: Asset Allocation - retirement date versus age?
Replies: 21
Views: 1546

Re: Asset Allocation - retirement date versus age?

Saving a big amount trumps your asset allocation. You are doing great on that front. I think you can meet your goals with Age - 5 in bonds. Age - 5 is on the conservative side, but well within reason. If you wanted to adjust to Age - 10 for this next period, I think that is also well within reason....
by BuckyBadger
Mon Oct 07, 2019 10:04 am
Forum: Personal Investments
Topic: Asset Allocation - retirement date versus age?
Replies: 21
Views: 1546

Re: Asset Allocation - retirement date versus age?

What caused you to set your asset allocation originally? What has changed to cause a change in your thinking? If your income seems fairly secure, you may indeed be too conservative if you anticipate a conventional retirement horizon with no major unplanned expenses on the way. An exercise like this...
by BuckyBadger
Mon Oct 07, 2019 9:44 am
Forum: Personal Investments
Topic: Asset Allocation - retirement date versus age?
Replies: 21
Views: 1546

Asset Allocation - retirement date versus age?

I was reviewing my IPS and I'm trying to determine if I should change my AA glide path. Our numbers: 39F/40M,1YO baby. Current gross approx $360k per year. Probably no huge raises: expect 2.5% - 3% inflation adjusted raises in the future. Saving $96k this year in tax advantaged and taxable accounts ...
by BuckyBadger
Fri Oct 04, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: gifting
Replies: 30
Views: 2028

Re: gifting

Ever watch Brewster’s Millions? Forcing children to think about things like debt and paying the mortgage builds character. Why not secretly give your children something (like in a trust) and not tell them that it is there. I think this is poor advice every time i see it here. Which is very frequent...
by BuckyBadger
Thu Sep 26, 2019 5:09 am
Forum: Personal Consumer Issues
Topic: eBay Doesn't match Description or Photos or Missing Parts
Replies: 52
Views: 2610

Re: eBay Doesn't match Description or Photos or Missing Parts

I'm really not sure why you're being so aggressively antagonistic about this situation. If you hate eBay so much then you are free to stop using it. You've demonized this seller to the point where you refuse to even message him or her and I can't really understand why. A message would take half a mi...
by BuckyBadger
Wed Sep 25, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Simple emergency prep tip(s)
Replies: 32
Views: 1920

Re: Simple emergency prep tip(s)

Under what circumstances would i call the fbi?
by BuckyBadger
Wed Sep 25, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Simple emergency prep tip(s)
Replies: 32
Views: 1920

Re: Simple emergency prep tip(s)

I can't say that i have the local FBI office saved in my phone.

I keep a quart of oil in the trunk as well.
by BuckyBadger
Wed Sep 25, 2019 7:23 am
Forum: Personal Consumer Issues
Topic: Teaching as a second career with no prior formal training in teaching
Replies: 24
Views: 1525

Teaching as a second career with no prior formal training in teaching

I was wondering if anyone had any experience or knowledge of what is involved in becoming a teacher as a second career. Interested party (not me) has been working in industry since completing his PhD but is now facing a situation where he may need to find another job. He enjoyed the teaching he did ...
by BuckyBadger
Wed Sep 18, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3297

Re: Used Tesla S or new Tesla 3?

Aiming to get it in before the end of the year, though, to keep the last remnants of the federal rebate. ... so i figured it's safer to buy new if i can still get the $1800ish rebate. Depending on how your state/locality does things, incurring an extra ~year (i.e. buying in December instead of Janu...
by BuckyBadger
Wed Sep 18, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3297

Re: Used Tesla S or new Tesla 3?

DanMahowny wrote:
Wed Sep 18, 2019 10:16 am
I'd rather have the horse
As would I.

Unfortunately, no car (or lack thereof) is going to find me enough time to ride with a baby and local grandparents in town for babysitting at the barn...
by BuckyBadger
Wed Sep 18, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4571

Re: Best Dog Car?

I still miss our element. The nicest thing - and I think the Soul may be similar? - was that they could enter through the side door and walk into the back of the car. For our elderly dog this was MUCH easier than trying to jump (or get lifted) into the trunk. So be careful of a too-tall car with an ...
by BuckyBadger
Wed Sep 18, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3297

Re: Used Tesla S or new Tesla 3?

And right now I pay about $1,000 a month to *not* ride my horse.
by BuckyBadger
Wed Sep 18, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3297

Re: Used Tesla S or new Tesla 3?

And honestly, if I can get out of my expensive hobby I can afford both upgrades! Are you able to share what this hobby is? It's the second time you've mentioned it. I'm embarrassed to admit to you respectable Bogleheads. I have a horse. but with the new baby I just don't have time to ride so I prom...
by BuckyBadger
Wed Sep 18, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Blue Apron for a sick friend?
Replies: 41
Views: 2468

Re: Blue Apron for a sick friend?

I also say Freshly.

I do the meal kits - all of them. Blue Apron is one of the more difficult ones.
by BuckyBadger
Wed Sep 18, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3297

Re: Used Tesla S or new Tesla 3?

Yeah - looks like I missed out on some free perks earlier in September. But I'm hoping that maybe they will have something similar around the end of Q4 - which is maybe when I can be focusing on buying. And I don't want anything fancy, so hopefully I'll be able to take something from inventory. And ...
by BuckyBadger
Tue Sep 17, 2019 10:32 pm
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3297

Re: Used Tesla S or new Tesla 3?

We've decided to go with the new 3, but will do in in a month or so after I've extricated myself from a particularly expensive hobby! Seemed a reasonable request from my husband. Aiming to get it in before the end of the year, though, to keep the last remnants of the federal rebate. Will do the base...
by BuckyBadger
Sun Sep 15, 2019 9:21 pm
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3297

Re: Used Tesla S or new Tesla 3?

Let's just assume I'm getting a Tesla and this thread isn't here to talk me into or out of it. I can get a base model new Tesla 3 for about 40k. Regular range, regular interior. Might consider the upgraded white interior for 1k but might not. Regular autopilot, but not the extra 6k for the fancy dr...
by BuckyBadger
Sun Sep 15, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3297

Re: Used Tesla S or new Tesla 3?

Our other car is a 3 row behemoth, so something smaller would be great. And it still looks like one rear facing convertible car seat should be no problem in the 3. The S might actually be TOO big considering the above responses.

Thanks for the information!!
by BuckyBadger
Sun Sep 15, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3297

Used Tesla S or new Tesla 3?

Let's just assume I'm getting a Tesla and this thread isn't here to talk me into or out of it. I can get a base model new Tesla 3 for about 40k. Regular range, regular interior. Might consider the upgraded white interior for 1k but might not. Regular autopilot, but not the extra 6k for the fancy dri...
by BuckyBadger
Mon Aug 26, 2019 8:04 am
Forum: Personal Investments
Topic: Rebalancing -----Investing while adding funds monthly
Replies: 5
Views: 629

Re: Rebalancing -----Investing while adding funds monthly

I find it convenient to have one tax advantaged account with all three funds (total US bond, total US stock, total INTL stock). That way I can rebalance within that account and not have to worry about tax consequences. I only ever buy total INTL stock in my taxable account and then rebalance within ...
by BuckyBadger
Wed Aug 21, 2019 9:48 am
Forum: Investing - Theory, News & General
Topic: Why investment complexity is appealing and simplicity isn't
Replies: 65
Views: 3798

Re: Why investment complexity is appealing and simplicity isn't

I also am actually drawn to the simplicity and cleanness. I also have engineering tendencies.

The optimist says the glass is half full. The pessimist says the class is half empty. The engineer says the glass is twice as big as it needs to be.
by BuckyBadger
Tue Aug 20, 2019 1:55 pm
Forum: Personal Investments
Topic: How can I back out a 7K tIra contribution > conversion to ROTH - I shouldn't have done it...
Replies: 8
Views: 799

Re: How can I back out a 7K tIra contribution > conversion to ROTH - I shouldn't have done it...

Anyhow - how does one go about undoing this? Why do you want to undo it? Why not just leave it? Only reason I can see to undo it would be if you need the money immediately. OP, i believe this poster is referring to a spousal IRA without actually explaining it. Your wife need not have earned income ...
by BuckyBadger
Sun Aug 18, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: How to save on international business class fares for family
Replies: 29
Views: 2457

Re: How to save on international business class fares for family

Perhaps we could keep our focus on answering the question posed by the OP. If you want to complain about children on planes there are about a thousand threads over on flyer talk. The OP has every right on the world to take his family on a flight anywhere he wants in whatever cabin he chooses. I do a...
by BuckyBadger
Mon Aug 12, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Websites to Sell Strollers
Replies: 4
Views: 423

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: 3084

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: 142
Views: 11190

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: 4844

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: 3841

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: 1280

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: 602

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: 602

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.