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Re: Is a generator worth it?

We moved onto our block 20 years ago. Nobody had a generator. Then someone built a house with a basement that flooded easily; they put in the first generator. Now, of the 8 houses on our block, 7 have generators. A funny side note: the house without a generator has a Tesla :oops:
by TomatoTomahto
Thu Feb 26, 2015 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 21
Views: 642

Re: Is a generator worth it?

First storm, we lost power for 6 days or so. I wanted a generator, but my wife said that it was the first time in a zillion years that a power loss lasted longer than a few hours, so "what are the odds?" The next year we lost power for 8 days. I started the process for a 20kwh generator th...
by TomatoTomahto
Thu Feb 26, 2015 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 21
Views: 642

Re: What is your favorite consumer product?

If your wife runs out (pun) of New Balance it could be unbalancing (pun). She has two options: 1. Find her favorite shoes on Amazon.com (or another web marketplace) and buy enough for the next 20-30 years. 2. Start researching other shoes for suitability. If you go with option-1 please post an upda...
by TomatoTomahto
Thu Feb 26, 2015 1:31 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 141
Views: 7844

Re: What is your favorite consumer product?

My wife likes New Balance running shoes. When she heard that they were discontinuing her favorite model, she went online and found 42 pairs. Some remain, but they don't last forever even unused, so I guess she'll have to find some other model. http://i61.tinypic.com/33p4ndx.jpg hahahahaha. There ar...
by TomatoTomahto
Thu Feb 26, 2015 12:54 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 141
Views: 7844

Re: Which Car? struggling to decide

As an old man, if you think you need to lease a car to enjoy your youth, you're doing youth wrong. We spend a lot on cars and pay cash. If you ever doubt whether that makes more sense than leasing, look at the salesman's face when you decline the opportunity to lease. They just saw profit evaporate....
by TomatoTomahto
Wed Feb 25, 2015 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Which Car? struggling to decide
Replies: 45
Views: 2594

Re: Is it actually impossible to time market crashes?

I can't say I timed it, but when I looked out my office door and saw my admin day-trading, and heard all the excited jabbering with coworkers, I knew that something had to give. And, some months later, the dot com bubble burst. I avoided most of the pain, but did not speculate via shorts or options....
by TomatoTomahto
Wed Feb 25, 2015 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Is it actually impossible to time market crashes?
Replies: 56
Views: 2601

Re: How do you plan on spending your time during retirement?

As mentioned a few times in other posts, I plan to setup and run more free clinics and orphanages in developing countries. See some patients on a part time basis when back in the US. I cannot imagine doing anything else with my life, it is simply what I was born to do. See my signature. :happy My f...
by TomatoTomahto
Wed Feb 25, 2015 7:36 am
 
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 2919

Re: What is your favorite consumer product?

rikki wrote:All-Clad soup pot

Le Creuset Dutch Oven
by TomatoTomahto
Tue Feb 24, 2015 8:09 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 141
Views: 7844

Re: Spending trajectory for families with kids?

They would have been better off financially just to put the money in a 529 and not worry about the athletic scholarship in the first place. Most HS coaches if they are honest will tell you this. I've seen this often in hockey also. If they love the game and you can afford it, it can be wonderful. A...
by TomatoTomahto
Tue Feb 24, 2015 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spending trajectory for families with kids?
Replies: 44
Views: 3028

Re: What is your favorite consumer product?

My wife likes New Balance running shoes. When she heard that they were discontinuing her favorite model, she went online and found 42 pairs. Some remain, but they don't last forever even unused, so I guess she'll have to find some other model.

Image
by TomatoTomahto
Tue Feb 24, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 141
Views: 7844

Re: Spending trajectory for families with kids?

Be very wary of anything you read. For instance, some of the numbers I've seen suggest all kids get braces, then new cars when they turn 16, and play on a travelling hockey team, except when they are competing in motocross while going to private schools. Hey!! The kids didn't tell me they were doin...
by TomatoTomahto
Mon Feb 23, 2015 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spending trajectory for families with kids?
Replies: 44
Views: 3028

Re: iPad users: what browser are you using?

I'm partial to Mercury on my iPad.
by TomatoTomahto
Mon Feb 23, 2015 7:18 pm
 
Forum: Personal Consumer Issues
Topic: iPad users: what browser are you using?
Replies: 28
Views: 1791

Re: Will Admiral shares drop to Investor share?

The only time I've had shares go from Admiral to Investor is when it was my action, not the market's, that made the amount go under the minimum (ie, I sold shares). When the value dropped due to price, Vanguard left the status unchanged, although they do reserve the right to do otherwise.
by TomatoTomahto
Mon Feb 23, 2015 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Admiral shares drop to Investor share?
Replies: 6
Views: 1066

Re: Alternatives if your company does not offer 401K

I'm with Sphinx and retiredjg: taxable savings are very nice. No RMDs, typically smallish taxes when you withdraw money, etc. Not as nice as Roth money, but not shabby either. It is nice to be tax diversified: taxable, deferred, and Roth so you can manage, within the rules, how much and what kind of...
by TomatoTomahto
Mon Feb 23, 2015 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Alternatives if your company does not offer 401K
Replies: 7
Views: 599

Re: Help me find my friend !

drawpoker wrote:TomatoTomahto, I took anon1234's post as a jest, not serious.

Particularly considering the user name. :wink:


Good point! :D
by TomatoTomahto
Sun Feb 22, 2015 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Help me find my friend !
Replies: 31
Views: 3196

Re: Help me find my friend !

Edit: changed my mind. Not really sure who you are or if I should be helping you do this. My guess is that anyone with nefarious intent either already knows how to track someone down, or would find out at someplace other than BH. But, you are right that one should be careful. I personally have foun...
by TomatoTomahto
Sun Feb 22, 2015 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Help me find my friend !
Replies: 31
Views: 3196

Re: Luxury Car

I re-read the OP, and have to agree with psteinx's post that it is probably unwise if you're near or just at the two comma mark to spend $130k for a car. $80k, otoh, is not as reckless. Just my 2 cents.
by TomatoTomahto
Sun Feb 22, 2015 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 81
Views: 5349

Re: Luxury Car

We have had a succession of Range Rovers, with the last one a Supercharged one, which as configured just crossed the $100k line after discounts. My wife likes them; I get her hand-me-downs. Hers is fast, very comfortable, and can stop on a dime (as my wife discovered last week when a lunatic stopped...
by TomatoTomahto
Sun Feb 22, 2015 10:48 am
 
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 81
Views: 5349

Re: Prom budget for teenage girl?

My son's date got a beautiful gown at a vintage/thrift shop. I think she had someone do her hair that day, and she did get a Boutonniere for him. The kids both go to a private school and while many families can afford any kind of limo and extravagance, out of consideration for their classmates who m...
by TomatoTomahto
Fri Feb 20, 2015 11:19 pm
 
Forum: Personal Consumer Issues
Topic: Prom budget for teenage girl?
Replies: 82
Views: 4558

Re: What is your favorite consumer product?

Invisible Fence -- lets my dog enjoy our yard for hours in good weather. In today's 1 degree cold, lets her do her business quickly while I finish my cup of coffee in the warm kitchen. As close to priceless as it gets in my life. I had a friend whose dog disappeared from his yard when he had one of...
by TomatoTomahto
Fri Feb 20, 2015 10:37 am
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 141
Views: 7844

Re: What is your favorite consumer product?

Invisible Fence -- lets my dog enjoy our yard for hours in good weather. In today's 1 degree cold, lets her do her business quickly while I finish my cup of coffee in the warm kitchen.

As close to priceless as it gets in my life.
by TomatoTomahto
Fri Feb 20, 2015 7:27 am
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 141
Views: 7844

Re: Car Battery in Unusual Cold

My son's two year old battery started his car instantaneously after sitting in often single digit weather for a month. My eight year old battery managed to start my car, with reluctance, after it sat outside overnight. Are we tired of this winter yet?
by TomatoTomahto
Thu Feb 19, 2015 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3630

Re: The 8x retirement savings rule

As I've joked before, Dang! My wife got a raise and if that doesn't stop, we'll never get to retire :confused
by TomatoTomahto
Thu Feb 19, 2015 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: The 8x retirement savings rule
Replies: 83
Views: 7539

Re: The 8x retirement savings rule

And most people will certainly not take the time to crunch the numbers and figure their expenses. ShiftF5, I do not understand this statement. It is easy to figure out a person's annual expense. Take the gross income, Take out the tax. Take out the savings. What is left is the annual expense. It is...
by TomatoTomahto
Thu Feb 19, 2015 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: The 8x retirement savings rule
Replies: 83
Views: 7539

Re: Help me find my friend !

I have been batting close to 100% on Facebook. LinkedIn can also work, especially if they're still working or were recently. Be prepared -- I found out via FB that one person unexpectedly (she was younger than me) passed away. But, as a consolation, I discovered that she had married what appeared to...
by TomatoTomahto
Thu Feb 19, 2015 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Help me find my friend !
Replies: 31
Views: 3196

Re: BRK A vs. B

Why not a low cost index fund instead such as Vanguard Total Stock Market Index Fund (which contains Berkshire Hathaway)? We bought BRK a good long while ago. Since then, we have sold any other individual stocks, but the LTCG on BRK would make it expensive to sell now. It doesn't pay dividends, whi...
by TomatoTomahto
Wed Feb 18, 2015 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: BRK A vs. B
Replies: 36
Views: 2256

Re: Anyone have issues streaming Amazon Prime instant video?

I stream using a Roku 3, and there is no picture shrinkage. For a brief period I used Amazon's Fire TV (the box, not the dongle) and the voice search, picture quality, and overall speed were stunning. Unfortunately, the software favors Amazon over Netflix, so I returned it and went back to my Roku. ...
by TomatoTomahto
Wed Feb 18, 2015 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have issues streaming Amazon Prime instant video???
Replies: 9
Views: 640

Re: BRK A vs. B

Why not a low cost index fund instead such as Vanguard Total Stock Market Index Fund (which contains Berkshire Hathaway)? We bought BRK a good long while ago. Since then, we have sold any other individual stocks, but the LTCG on BRK would make it expensive to sell now. It doesn't pay dividends, whi...
by TomatoTomahto
Wed Feb 18, 2015 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: BRK A vs. B
Replies: 36
Views: 2256

Re: Large Age Gap with Spouse/Partner

Deleted for being off topic
by TomatoTomahto
Wed Feb 18, 2015 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5095

Re: Large Age Gap with Spouse/Partner

Deleted for being off topic
by TomatoTomahto
Wed Feb 18, 2015 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5095

Re: What is your favorite consumer product?

FIOS Quantum DVR.
by TomatoTomahto
Wed Feb 18, 2015 1:05 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 141
Views: 7844

Re: Accountant Cost When Taxes Done During Meeting

If I didn't have a longstanding relationship with my guy, I'd PM you for your guy's contact information. A bargain IMO.
by TomatoTomahto
Wed Feb 18, 2015 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Accountant Cost When Taxes Done During Meeting
Replies: 19
Views: 1444

Re: Dave Ramsey Lashes Out at His Financial Critics

... To correct your analogy, it would be like McDonalds advertising that they are a health food restaurant. Yeah, the lettuce and tomatoes are healthy, just as the getting out of debt advice is healthy. But "the meat"/main course of both products....Dave Ramsey's investment advice and The...
by TomatoTomahto
Wed Feb 18, 2015 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 9584

Re: Large Age Gap with Spouse/Partner

Enebyberg, you might want to run the numbers, but I found that the kids' benefits swung the decision to filing early. I was/am a SAHD, who left the work force in my early 50s, so that affected it also. You might want to use www.maximizeyoursocialsecurity.com (well worth the $40 IMO).
by TomatoTomahto
Wed Feb 18, 2015 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5095

Re: Large Age Gap with Spouse/Partner

When he turns 65, assuming he is contributing to or has contributed to, Social Security - the child(ren) will get funds from Social Security until age 18. It's a bit coincidental to the thread, but I wanted to correct a couple of errors with the above statement. He can file as early as 62, and chil...
by TomatoTomahto
Wed Feb 18, 2015 9:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5095

Re: Not clearing snow from driveway

drawpoker wrote:
Have I been fearing electrocution needlessly :? :?

? ? ?

I have a heated mat that I sometimes put down to melt ice on our landing. It came with its own GFI power cord.
by TomatoTomahto
Tue Feb 17, 2015 5:17 pm
 
Forum: Personal Consumer Issues
Topic: Not clearing snow from driveway
Replies: 81
Views: 5753

Re: Not clearing snow from driveway

Lest it sound that I'm putting delivery people at risk, I have removed the few feet of snow we got this winter. I was debating getting rid of the 2" or so we got last night. Salt has been spread, but it's not that useful in single digit (and lower) temps. Once the ground thaws, I'm getting a ma...
by TomatoTomahto
Tue Feb 17, 2015 11:26 am
 
Forum: Personal Consumer Issues
Topic: Not clearing snow from driveway
Replies: 81
Views: 5753

Re: BRK A vs. B

We own one A share and a handful of B shares. Some day we will have to exchange the A share so that we don't get hit with a walloping cap gains tax bill at one time. For now, I'm not buying any more but also not selling. It's our only individual stock (other than employer involuntary shares).
by TomatoTomahto
Tue Feb 17, 2015 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: BRK A vs. B
Replies: 36
Views: 2256

Re: Not clearing snow from driveway

We have a cobblestone driveway, so we can't ever snowblow it down to the stones. Timely thread, my wife and I just came back from an errand, and I was debating whether to clear it off or not. Decided to see if it snows more, and as you can tell, I'm on the forum rather than outside :D If not by sno...
by TomatoTomahto
Tue Feb 17, 2015 11:02 am
 
Forum: Personal Consumer Issues
Topic: Not clearing snow from driveway
Replies: 81
Views: 5753

Re: When would you retire money no object?

It usually gets flames, so maybe I should shut up, but I find it sad that so many young people want to quit working asap. I wouldn't flame you, but I don't see the rationale. There are a million things I would rather do than work, so given the opportunity I would spend my time doing those instead o...
by TomatoTomahto
Tue Feb 17, 2015 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: When would you retire money no object?
Replies: 64
Views: 3243

Re: Not clearing snow from driveway

We have a cobblestone driveway, so we can't ever snowblow it down to the stones. Timely thread, my wife and I just came back from an errand, and I was debating whether to clear it off or not. Decided to see if it snows more, and as you can tell, I'm on the forum rather than outside :D
by TomatoTomahto
Tue Feb 17, 2015 9:56 am
 
Forum: Personal Consumer Issues
Topic: Not clearing snow from driveway
Replies: 81
Views: 5753

Re: When would you retire money no object?

IRL, we have enough money for my wife to retire. But, she keeps working and it is something she wants to do. I became a SAHD a decade ago, but would have continued working if I didn't feel that, on balance, the family was better off with me at home. When I become an empty nester in a couple of years...
by TomatoTomahto
Tue Feb 17, 2015 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: When would you retire money no object?
Replies: 64
Views: 3243

Re: Tesla S

Many people do not pay enough attention to safety aspect of a Tesla car. High-income Bogleheads, who still foresee many more fruitful years, should consider it. I'm looking forward to Model X to replace my 300,000ish-mile Toyota that starts to show oil leak. I most definitely consider the safety as...
by TomatoTomahto
Mon Feb 16, 2015 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 610
Views: 73306

Re: Hybrid Investment Strategy for Bogleheads

I'd like to meet your coworker, who is smarter than the army of math PhDs and software developers ,and who has CPU cycles on the fastest computers accessing massive databases. I sure hope he is actually smarter than them, because they are only betting other people's money, so it's not that painful t...
by TomatoTomahto
Mon Feb 16, 2015 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hybrid Investment Strategy for Bogleheads
Replies: 20
Views: 1149

Re: Portfolio Advice on underperforming Vanguard Allocation

Bernstein's book is a great place to start; he also thinks like a doctor (because he is one). I wonder if Bernstein would be insulted by that last statement? Why is that? Is there data to support doctor's are worse investors then the general public in any other profession? I don't have any data to ...
by TomatoTomahto
Sun Feb 15, 2015 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice on underperforming Vanguard Allocation
Replies: 21
Views: 1347

Re: Portfolio Advice on underperforming Vanguard Allocation

Bernstein's book is a great place to start; he also thinks like a doctor (because he is one). I wonder if Bernstein would be insulted by that last statement? A friend of mine mentioned Dr. Bernstein and said he was a surgeon. I said that iirc, he was a neurologist, and that it would probably insult...
by TomatoTomahto
Sun Feb 15, 2015 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice on underperforming Vanguard Allocation
Replies: 21
Views: 1347

Re: Expecting a big inheritance - Should it change my life?

I am younger than your parents and your aunt. I need to schedule a conversation with each of my children on this topic.

Thanks, OP, for reminding me.
by TomatoTomahto
Sun Feb 15, 2015 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 7824

Re: Expecting a big inheritance - Should it change my life?

I had a colleague once who spent a lot because he knew that his income would keep going up and his debt would be peanuts by comparison. It did not end well for him.
by TomatoTomahto
Sun Feb 15, 2015 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 7824

Re: Quicken downloads and 2 factor ID in Vanguard

tractorguy wrote:I'm using two step verification and Quicken 2015 with no problem with transaction downloads.


Me also, but I set 2-factor to operate only once per device rather than every time. That might be the problem above.
by TomatoTomahto
Sun Feb 15, 2015 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken downloads and 2 factor ID in Vanguard
Replies: 12
Views: 672

Re: Roth or regular 401k -- not based on tax rate expectatio

Thanks Grabiner. I apologize for not realizing that the wiki put tax drag in the calculation; nothing gets by the BHs. :D If I understand correctly: Use traditional 401k to reduce taxes and continue adding to our taxable accounts My RMDs probably won't kick in until my wife retires, but they're not ...
by TomatoTomahto
Sun Feb 15, 2015 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth or regular 401k -- not based on tax rate expectations
Replies: 9
Views: 712
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