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Re: POLL - If Eligible For Social Security .....

Started at 62 because it would get some money for my kids.
by TomatoTomahto
Sat Apr 19, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL - If Eligible For Social Security .....
Replies: 6
Views: 113

Re: Quicken 2014 opinions wanted

...Having to enter the same data twice in two different places is asking for trouble. I couldn't agree more that entering twice is likely to result in a problem, but (and I'm honestly not trying to be argumentative) I enter the bill pay at BoA and then the check information gets downloaded to Quick...
by TomatoTomahto
Fri Apr 18, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 42
Views: 1095

Re: Quicken 2014 opinions wanted

Which bank, SimonJester?
by TomatoTomahto
Fri Apr 18, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 42
Views: 1095

Re: Quicken 2014 opinions wanted

bertilak wrote:I also use the bill-pay feature and I believe this gets sunsetted as well. Fortunately, I am on 2013 and all this still works.

Long-time user also, but use BoA bill pay. Is there a reason you prefer Quicken for bill payment? Doesn't it cost $?
by TomatoTomahto
Fri Apr 18, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 42
Views: 1095

Re: Quicken 2014 opinions wanted

I have to say that I don't find the need to check things online via mobile. I take a peek at how things look when downloading transactions, but I don't need to look at things on my phone. So I upgrade, reluctantly, when downloads will be restricted if I don't do so. I can't remember the last time an...
by TomatoTomahto
Fri Apr 18, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 42
Views: 1095

Re: Help me find a good slow cooker

ram wrote:Zojhirushi.

I'm not familiar with their slow cooker, but I have nothing but praise for their rice cooker, and I have the sense that that kind of quality reflects a company's commitment. I have some steel cut oatmeal cooking as I type thisv :D
by TomatoTomahto
Fri Apr 18, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: Help me find a good slow cooker
Replies: 21
Views: 946

Re: Live Now, Live Later?

http://Www.ESPlanner.com. Highly customizable consumption smoothing software to, uh, smooth consumption.
by TomatoTomahto
Thu Apr 17, 2014 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Live Now, Live Later?
Replies: 31
Views: 2415

Re: I need a new coffee maker, any recommendations?

My Remington iCoffee has replaced every other coffee maker I've used. It can make very strong but smooth coffee, just the way I like it. Takes coarse coffee (what you would use in a French press).
by TomatoTomahto
Thu Apr 17, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2090

Re: Medical Student, New to Indexes - Portfolio and IRA advi

Do you have any thoughts on my portfolio allocation? I have a number of funds myself, but that's because of history. All new money goes into very few funds. Asset class discussions remind me a bit of debates about whether Bauer, Graf, CCM, etc make the best hockey skate; whatever differences there ...
by TomatoTomahto
Thu Apr 17, 2014 10:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Medical Student, New to Indexes - Portfolio and IRA advice?
Replies: 11
Views: 777

Re: Student Loan Repayment by Employer Counting as Taxed Inc

The good news is that you have income that will allow you to pay it off. Glass half full.
by TomatoTomahto
Wed Apr 16, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment by Employer Counting as Taxed Income
Replies: 16
Views: 903

Re: Student Loan Repayment by Employer Counting as Taxed Inc

Heavyshoulder, that's a lot of debt, but I don't know of any way around it without paying for it in after-tax cash.
by TomatoTomahto
Wed Apr 16, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment by Employer Counting as Taxed Income
Replies: 16
Views: 903

Re: Student Loan Repayment by Employer Counting as Taxed Inc

heavyshoulder732 wrote: [snip...] how is that any different than just paying the loans with your post tax money?


Is there a reason that it should be different?
by TomatoTomahto
Wed Apr 16, 2014 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment by Employer Counting as Taxed Income
Replies: 16
Views: 903

Re: Medical Student, New to Indexes - Portfolio and IRA advi

Hi Placeholder, Thanks for your reply. Do I assume that by cashing out dividends and then manually buying additional shares that I avoid the smaller tax lots? What many of us do in taxable is let dividends accumulate in a MM fund. That money gets commingled with "new" money, and you can t...
by TomatoTomahto
Tue Apr 15, 2014 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Medical Student, New to Indexes - Portfolio and IRA advice?
Replies: 11
Views: 777

Re: deferred comp plans

Had several friends retire as partners of Lehman Brothers with very large (voluntary) deferred comp balances that all went to zero in 2009 Me too, and before that some friends at Drexel also! My wife works for a company that will probably be solvent in 10 years, but my senior friend at Lehman would...
by TomatoTomahto
Tue Apr 15, 2014 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: deferred comp plans
Replies: 20
Views: 1406

Re: less you need social security, earlier you should claim

I decided to file early so that my kids could get benefits. Future changes were, at most, a fleeting consideration.

I am in the cohort that "least" needs SS currently.
by TomatoTomahto
Sun Apr 13, 2014 11:30 am
 
Forum: Investing - Theory, News & General
Topic: less you need social security, earlier you should claim
Replies: 39
Views: 2781

Re: HSA cost benefit analysis

Have you, yet, personally encountered a situation where you actually had to pay the full deductible? Based on other postings in the forum, I get the impression that people judge, quite correctly, that an economic analysis favors the high deductible plan--they can afford the risk and it is beneficia...
by TomatoTomahto
Sun Apr 13, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA cost benefit analysis
Replies: 23
Views: 1645

Re: Partials vs implants

linuxizer wrote:It'd be adverse selection, not moral hazard.


Yes, right, and that, in turn, would be a senior moment. :oops:
by TomatoTomahto
Sat Apr 12, 2014 7:30 am
 
Forum: Personal Consumer Issues
Topic: Partials vs implants
Replies: 27
Views: 2513

Re: Corporate Compliance has a problem with our Vanguard acc

In_reality, my wife had a telephone conversation with compliance that agreed that she would move the equities in her Vanguard Brokerage account to one of the acceptable companies and close the brokerage account. The non-brokerage accounts can only hold Vanguard mutual funds. My wife memorialized the...
by TomatoTomahto
Fri Apr 11, 2014 10:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2435

Re: Corporate Compliance has a problem with our Vanguard acc

I would simply never provide that information to an employer. Not only is it not their business (in any case, in any job) - it gives them way too much strength in ongoing salary negotiations. They know your financials - they may think they can offer more or less salary depending on your situation. ...
by TomatoTomahto
Fri Apr 11, 2014 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2435

Re: Corporate Compliance has a problem with our Vanguard acc

Re the horse races,from the Urban Dictionary: If everybody thought the same, then they would all bet on the same horse, then nobody would make any money. Hence, different views make horse racing possible.
by TomatoTomahto
Fri Apr 11, 2014 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2435

Re: A foolish investor?

That's fine, until it's not. I would step off the gas a bit and save more. YMMV
by TomatoTomahto
Fri Apr 11, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: A foolish investor?
Replies: 13
Views: 1546

Re: Corporate Compliance has a problem with our Vanguard acc

btw - I personally would never take a job that gave over this amount of transparency to a company I work for. Never. I guess that's what makes horse races. My ex-wife wouldn't get an EZpass because she didn't want the government knowing where she was going. My reaction to that was that 1-they proba...
by TomatoTomahto
Fri Apr 11, 2014 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2435

Re: Corporate Compliance has a problem with our Vanguard acc

leonard wrote:Since it was OK before and became a problem - to me that implies that someone in compliance is new or just not getting it.


What they are getting is a lot if heightened scrutiny in the aftermath of countless instances of bad behavior at investment banks.
by TomatoTomahto
Fri Apr 11, 2014 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2435

Re: Corporate Compliance has a problem with our Vanguard acc

Leonard, this is an investment bank with a zillion regulations. To make it worse, it is global in scope, so many different regulators are involved. It is not our intention to be adversarial; compliance has a job to do, and they have been pleasant about doing it, although they could more clearly spel...
by TomatoTomahto
Fri Apr 11, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2435

Re: Partials vs implants

It was however damn expensive.... insurance paid zip / nada / zero / nothing (ask me what I think of the insurance company :-) ) for the implant part (they only would pay if it was an accident and not elective... like I elected to go through that process) and coughed up about 1/2 for the crown part...
by TomatoTomahto
Fri Apr 11, 2014 10:11 am
 
Forum: Personal Consumer Issues
Topic: Partials vs implants
Replies: 27
Views: 2513

Re: Determining spending allowance for myself

It sounds like you're a candidate for consumption smoothing software -- it will recommend spending levels based on your specific situation. Take a look at http://www.ESPlanner.com. They have a free online version and a pay version.
by TomatoTomahto
Fri Apr 11, 2014 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Determining spending allowance for myself
Replies: 6
Views: 524

Re: Partials vs implants

I will add that a relative had a number of implants, and they all had to be removed due to what he was told was "bone loss." A very expensive, painful and useless episode. Some of the variance in cost and time is driven by what caused the need for implants in the first place. Bone grafts,...
by TomatoTomahto
Fri Apr 11, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: Partials vs implants
Replies: 27
Views: 2513

Re: Corporate Compliance has a problem with our Vanguard acc

Epsilon Delta, Over all of these years, they have never asked me about any accounts, positions, etc. as her spouse. Fwiw, other than one brokerage account that also holds BRK (but poor poor pitiful me only gets the B shares), I only own Vanguard funds, so I don't think we're the people they're looki...
by TomatoTomahto
Thu Apr 10, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2435

Re: Corporate Compliance has a problem with our Vanguard acc

Thanks Placeholder. I'll discuss with my wife this weekend.
by TomatoTomahto
Thu Apr 10, 2014 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2435

Re: Corporate Compliance has a problem with our Vanguard acc

Rob, we're not planning on getting a divorce, but I would feel strange re-titling her assets (there's a salacious joke in there, but I don't think Lady Geek would appreciate it). They made me create a separate account for the stock-holdings way back when, so I think the default for a non-Brokerage a...
by TomatoTomahto
Wed Apr 09, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2435

Re: Corporate Compliance has a problem with our Vanguard acc

I got approval to speak to Compliance. What BuySider said is true: if I close my wife's Brokerage account at Vanguard (i.e., the one with stocks in it), the other accounts are fine. So, I guess I'll transfer the share to Schwab (lucky them; I'm not a trader, so no commissions :-) ). Fidelity Advanta...
by TomatoTomahto
Wed Apr 09, 2014 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2435

Re: Corporate Compliance has a problem with our Vanguard acc

Call up the compliance department and have them try to answer your questions. :) If they cannot, just give them your account info and have them take care of it. I think they'll only talk to my wife, who to be honest is too busy making the money to want to spend time on investing it; that's my job. ...
by TomatoTomahto
Wed Apr 09, 2014 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2435

Corporate Compliance has a problem with our Vanguard account

Today my wife received this letter from Corporate Compliance. I've fiddled with sections of it to retain some small semblance of anonymity, but it reads: Our records indicate that you maintain an employee or employee-related accounts with a firm that is neither a Designated Broker nor one from which...
by TomatoTomahto
Wed Apr 09, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2435

Re: Brown bagging in a more formal office

I will wait on buying a swanky leather bag. If I won't be out of place with a regular backpack I will be happy as all get out. I'm still in grad school too so carrying a backpack is pretty normal for me. I think you'll find that it's pretty normal for almost everyone. Backpacks are just too "f...
by TomatoTomahto
Wed Apr 09, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 2990

Re: First Trip to India

Fully cooked food, even street food should ok provided you can handle test/spicyness as heat will kill most of the germs. Be careful when drinking water from restaurants or other sources.Boiled liquids such tea/coffee (both are distinctly indian test) and bottled soft drinks equivalent coke or spri...
by TomatoTomahto
Tue Apr 08, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: First Trip to India
Replies: 47
Views: 3446

Re: Tesla S

If the range is only 200 miles on the base model, doesn't that make road trips more than a three hours (at 60 mph) difficult ? Assuming there charging stations, how would you find them when traveling inter-state hwy's and what does it cost for a full recharge ? The bigger (85Kw) battery has EPR rat...
by TomatoTomahto
Mon Apr 07, 2014 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 431
Views: 38290

Re: Could this be the season of the HFT tax?

Ged wrote:The big problem with coming up with a remedy is finding something that won't cause the exchanges to move elsewhere with concomitant job loss.


How many jobs are we talking about? I think it's a very thin slice of the financial services industry in terms of jobs. From my perspective, no great loss.
by TomatoTomahto
Mon Apr 07, 2014 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: Could this be the season of the HFT tax?
Replies: 10
Views: 484

Re: Could this be the season of the HFT tax?

Angelus359 wrote:I think adding a 0.1% tax on selling stocks without holding them for atleast a week would fix the problem.


That would work, but a second or two would work just as well probably.
by TomatoTomahto
Mon Apr 07, 2014 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: Could this be the season of the HFT tax?
Replies: 10
Views: 484

Re: Are we saving too much or too litte?

I don't know if you use Quicken, but I found it very useful to create a spreadsheet of budget categories and average amounts. Then, I had a column that reflected how the spend would change in retirement (e.g., retirement savings goes to 0, medical expense probably goes up, commuting expense 0, trave...
by TomatoTomahto
Sun Apr 06, 2014 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are we saving too much or too litte?
Replies: 28
Views: 2843

Re: 2014 tax appraisal value

I guess the town would ask why you're trying to prove it's worth appreciably less than you recently paid for it.

Eta: cross posted with Livesoft's same basic idea.
by TomatoTomahto
Sun Apr 06, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2014 tax appraisal value
Replies: 12
Views: 383

Re: Why pay off your house?

[snip...] Also, you get a tax shield on interest payed when you figure your taxes. That deduction also needs to be taken into account based on your tax bracket at the time of payment. To further complicate it, you might find yourself benefitting from the standard deduction, especially if the lion's...
by TomatoTomahto
Sat Apr 05, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why pay off your house?
Replies: 119
Views: 8489

Re: Preventing Office Theft of Food and Other Stuff

eschaef wrote: Make some brownies dosed with methylene blue and wait for the perpetrator to freak out that they are peeing blue/green! Jack FFR1846 wrote: Bait the frig with innocent looking food. Use crabgrass instead of lettuce on sandwiches or perhaps some silk or plastic leaves. The plastic or ...
by TomatoTomahto
Sat Apr 05, 2014 9:52 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5048

Re: Are we saving too much or too litte?

Rufus, there are people much better than me on these questions, but I wanted to welcome you to the forum and mention one thing. Because they are not inflation adjusted, I tend to seriously discount pensions in my planning. They're better than a stick in the eye, but it only takes a few years of high...
by TomatoTomahto
Sat Apr 05, 2014 9:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Are we saving too much or too litte?
Replies: 28
Views: 2843

Re: Preventing Office Theft of Food and Other Stuff

It's not exactly my office, but the gym I go to leaves bananas out for members to eat after a workout. One member has been seen taking a week's supply home with him. His nickname (I haven't used it to his face) is Banana Joe.
by TomatoTomahto
Fri Apr 04, 2014 6:36 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5048

Re: Urge to buy a house every rent increase

The rent vs buy calculators don't (at least I don't think they do) place a value on personal mobility (or financial liquidity, for that matter). You are 27. Rent unless you feel strongly compelled to own, and even then, think twice about it. I am in my 60s. I am happy to own my home, because we got ...
by TomatoTomahto
Thu Apr 03, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1489

Re: GPS with "favor interstates" option?

In NJ/NY area easy fix - just buy a tom tom and it will go over the damn GWB every time it's witin 200 miles :oops: 100% true. You can block roads from TT, but I wish there were a setting that would just discourage a road. For example, assign GWB a weighting of 3x whatever the GPS calculates the de...
by TomatoTomahto
Thu Apr 03, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: GPS with "favor interstates" option?
Replies: 37
Views: 1337

Re: GPS with "favor interstates" option?

I have had 3 TomToms (the high end 2535). I think it has better traffic and route algorithms than Garmin, but have recently switched to Garmin because my TomToms seem to develop problems after 2 years. I so wish that I could recommend the TT; it does what it does incredibly well, but its reliability...
by TomatoTomahto
Thu Apr 03, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: GPS with "favor interstates" option?
Replies: 37
Views: 1337

Re: Private elementary school tuition - any tax breaks?

In our town, we get to pay $275 per student to take the bus. My high school son who drives himself to school did the math on parking.......he figured a $20 ticket once a month beat the $500 parking fee. Yes, $500. He's received 2 parking tickets so far. He's way ahead of the game on this one. Your ...
by TomatoTomahto
Thu Apr 03, 2014 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Private elementary school tuition - any tax breaks?
Replies: 11
Views: 839

Re: GPS with "favor interstates" option?

I know about via points and I use them, but my unit doesn't seem to be able to recognize names of bridges, or pure city names without street addresses, as via points. Specifically (I am coming from the north!) going to Philadelphia, it always wants me to go into New York and use the George Washingt...
by TomatoTomahto
Thu Apr 03, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: GPS with "favor interstates" option?
Replies: 37
Views: 1337

Re: Private elementary school tuition - any tax breaks?

I know what you can't do. :) My "genius" cousin approached the admin of his kid's private school and said he wanted to pay the school tuition as a "contribution" but wanted the admin to treat it as the tuition payment, so my cousin could deduct the tuition from his income tax. T...
by TomatoTomahto
Thu Apr 03, 2014 7:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Private elementary school tuition - any tax breaks?
Replies: 11
Views: 839
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