Search found 730 matches

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: 65
Views: 5016

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: 65
Views: 5016

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: 1832

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: 65
Views: 5016

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: 705

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: 279

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: 3171

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: 3171

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: 3171

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: 28
Views: 2143

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: 3171

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: 3171

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: 1909

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: 6809

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: 1851

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: 8699

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: 10798

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: 5906

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: 797

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: 1398

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: 2426

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: 1398

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: 1398

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: 797

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.
by BuckyBadger
Wed Apr 25, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Allocation Debate - consider all accounts as one?
Replies: 22
Views: 1398

Re: Allocation Debate - consider all accounts as one?

All one big bucket that includes 2 employer accounts, 2 Roth IRAs, a HSA we're using as a "stealth" IRA, and a taxable account. I use the lowest cost fees available in all the different funds - so since my husband doesn't have a cheap total US stock in his, I keep all that in mine. And his total bon...
by BuckyBadger
Tue Apr 24, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Possibly but not definite house change in 4-5 years - plan for down payment?
Replies: 16
Views: 883

Re: Possibly but not definite house change in 4-5 years - plan for down payment?

Okay, I guess you guys convinced me! If I put $1k every other week away I'll have $130k in 5 years. That should do. What do you think about keeping my mortgage prepayment of about $400 per month? I'm thinking I might stop that and put that $400 back into the general account to help make up for the n...
by BuckyBadger
Tue Apr 24, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Have 2 cars keep both?
Replies: 8
Views: 485

Re: Have 2 cars keep both?

Sell one. I'd say sell the older one, but if both are reliable, then sell the one you like least.
by BuckyBadger
Tue Apr 24, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Possibly but not definite house change in 4-5 years - plan for down payment?
Replies: 16
Views: 883

Re: Possibly but not definite house change in 4-5 years - plan for down payment?

I’m in a similar situation, so interested to follow this thread. An option I’ve considered is to sell my current house first, move into temporary housing, and then shop/buy the new house. It’s not ideal, but I’m retired in a HCOL area. Therefore, it’s going to be hard enough to qualify for one mort...
by BuckyBadger
Tue Apr 24, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Possibly but not definite house change in 4-5 years - plan for down payment?
Replies: 16
Views: 883

Re: Possibly but not definite house change in 4-5 years - plan for down payment?

So I'd like to be able to jump on a sale with no conditions. Then, cash is king. You don't mention where a down payment might come from. Taxable, or are you planning to use the equity in current house as the down payment? If you can qualify for the new mortgage while carrying the current mortgage, ...
by BuckyBadger
Tue Apr 24, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Possibly but not definite house change in 4-5 years - plan for down payment?
Replies: 16
Views: 883

Re: Possibly but not definite house change in 4-5 years - plan for down payment?

2) Depending on rules that may/may not apply (state, lender, etc), you might be able to pull the equity out of your current home PRIOR to listing your house for sale. I would rather have the extra cash on hand to "bridge" from one home to the next... a couple of mortgage payments if you need to car...
by BuckyBadger
Tue Apr 24, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Possibly but not definite house change in 4-5 years - plan for down payment?
Replies: 16
Views: 883

Possibly but not definite house change in 4-5 years - plan for down payment?

Depending on the particular needs that our unborn Nugget may have, in 4-5 years we may (or may not - thanks for all the help on the other thread, guys!!) move to a different county in our same area to move to a different school district. What's the best way to plan for this change? Here's the situat...
by BuckyBadger
Tue Apr 24, 2018 5:59 am
Forum: Personal Consumer Issues
Topic: Question charging smart phones
Replies: 17
Views: 1379

Re: Question charging smart phones

I plug it in at night and unplug it in the morning. I plug it in during the day if I've been using it a lot and it's low. Sometimes I'm out and about and the damn thing runs itself all the way down and shuts it off. Life is too short to think that much about charging a battery. So I definitely don't...
by BuckyBadger
Mon Apr 23, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Changing Lifestyle
Replies: 79
Views: 9694

Re: Inheritance Changing Lifestyle

Interesting thread. I may get an inheritance one day that may be substantial to us - depends on if I can convince my parents to take nicer vacations! It would never occur to keep it isolated from my husband. To what end? Granted, I'd be looking at 1/5th of that the OP is describing, but it seems ver...
by BuckyBadger
Sun Apr 22, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Looking to purchase new car/SUV
Replies: 51
Views: 2905

Re: Looking to purchase new car/SUV

Not the first to suggest it, so i second the recommendation to look at the Subaru lineup. I think a Subaru Outback is the perfect car for about 75 percent of the population! After my Volvo sedan was totaled when i got rear-ended, i got a two year old Subaru Outback with the eyesight suite of feature...
by BuckyBadger
Sun Apr 22, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: My taxable account is banged up. Need some help!
Replies: 20
Views: 2375

Re: My taxable account is banged up. Need some help!

My taxable account is 100% stocks (as are our IRSa) because my bonds are in one of our 401ks. I have an overall ratio of 70/30 stocks to bonds.

Do you have a 401k or 403b? A more complete picture of all your accounts might beat useful.
by BuckyBadger
Fri Apr 20, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4549

Re: Another discussion about private vs public schools?

Just wanted to pump the brakes on this thread for a minute. I'm not making blanket statements about Northern versus Southern school districts. I'm trying to make comparisons between three specific school districts - one in the North and two in the South. In my neighborhood, no one I know sends their...
by BuckyBadger
Thu Apr 19, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4549

Re: Another discussion about private vs public schools?

FlyAF wrote:
Thu Apr 19, 2018 3:28 pm
Is that 25k a year?
Yes.
by BuckyBadger
Thu Apr 19, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4549

Re: Another discussion about private vs public schools?

Amazing comments, everyone. I really appreciate the time you all have taken! My major takeaway is that I don't have to stress about this yet - which I suppose I needed to hear. As a first-time mom who is a planner with a capital P, I'm trying to figure everything out RIGHT AWAY but I need to realize...
by BuckyBadger
Thu Apr 19, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4549

Another discussion about private vs public schools?

We're expecting our first little Badger in September. But unlike the username might suggest, we no longer live in Badger country (Wisconsin). We're now in the South and we're a bit concerned about what to do when school starts in 4-5 years. Depending on what we decide to do, we might need this much ...
by BuckyBadger
Wed Apr 18, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 3455

Re: Broke up with my girlfriend for financial reasons: crazy?

Because someone who spends 36k yearly on a salary of more than 250k is also not living a balanced life. (I'm the OP) Why would my life be unbalanced? As I described, I live a pretty lavish lifestyle, hell I bought a brand new car less than 2 years ago, I just went on an international vacation to It...
by BuckyBadger
Wed Apr 18, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 3455

Re: Broke up with my girlfriend for financial reasons: crazy?

I'll come out and say that both of these people seem to have some issues. A career in social work is very rewarding and not very high paying. Were she married to someone making a ton of money they should treat it as family income and figure out how to spend and how to save. Her desire to have a 50k ...
by BuckyBadger
Wed Apr 18, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 7058

Re: Your Monthly Cost of Living

My monthly cost of living = what I earn - what I save

Easy math.
by BuckyBadger
Wed Apr 18, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Overall Help w/ Budget
Replies: 15
Views: 1523

Re: Overall Help w/ Budget

I tried to reverse engineer that loan payment - how many years is that for? That's a pretty substantial chunk of your monthly obligations and it doesn't seem like a 30 year loan if I do the math. If it's not 30 years can you refinance to 30 years? I think the PMI is the least of your issues. It's re...
by BuckyBadger
Wed Apr 18, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Owning 3 vehicles
Replies: 27
Views: 2244

Re: Owning 3 vehicles

I'm surprised, but I don't think it's been suggested yet. What about trading the Prius in for a cross-over type vehicle. Like that bigger Prius? There are several very nice smallish crossovers that get good gas mileage and it seems like getting one slightly larger car would make more sense than gett...
by BuckyBadger
Mon Apr 16, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire at age 40?
Replies: 158
Views: 16845

Re: Can I retire at age 40?

Love the folks who claim it's impossible to support a family of 5 on a $2.8 Mil best egg. Literally nobody has said that. People have stated that the portfolio wouldn't support a $120k annual withdrawal figure. The OP can certainly support a family of 5 if they reduce their withdrawal rate. Literal...
by BuckyBadger
Mon Apr 16, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire at age 40?
Replies: 158
Views: 16845

Re: Can I retire at age 40?

The problem isn't the retiring part, it's the 120k from 2.5mil for 50 years that's the problem. Although the REAL problem is that the OP thinks he can actively manage and "work" the stock market to maintain these withdrawals. This is not something this board is generally going to support. If you're ...
by BuckyBadger
Sun Apr 15, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Decisions on a Two Car Strategy
Replies: 24
Views: 2190

Re: Decisions on a Two Car Strategy

I wanted to chime in with my support of your wife's desire for adaptive cruise control. I also have a long highway commute that i have to do three times a week. Adaptive cruise control has recently made my drive significantly less stressful for me. For what it's worth, i have a 2015 Subaru Outback t...
by BuckyBadger
Sat Apr 14, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: What percentage of you 2017 income can you account for?
Replies: 49
Views: 3592

Re: What percentage of you 2017 income can you account for?

We don't track anything, really. We put away plenty of money before our paychecks even hit our account and then spend what's left.

I could look back at credit card receipts, but there's really no reason to at this point until we need to increase our cash flow.

So, zero percent i suppose.
by BuckyBadger
Fri Apr 13, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Fender bender in parking lot, he said she said. What's the effect on my going to be?
Replies: 17
Views: 1470

Re: Fender bender in parking lot, he said she said. What's the effect on my going to be?

One of the posts seemed to be questioning my story. it didn't feel appropriate to give more details or defend myself so i took the original post and additional comments down. Honestly, the title of the thread seems to be pretty descriptive. But for completeness, my question was basically, after a mi...