Search found 3833 matches

by TomatoTomahto
Sat Aug 01, 2015 8:36 pm
Forum: Personal Consumer Issues
Topic: MacBook Air losing power
Replies: 18
Views: 1241

Re: look on the sunny side

daveatca wrote:Replacing your Airbook battery costs less than replacing your Tesla battery.

True, but replacing the Tesla battery can be done in less than 90 seconds :beer
by TomatoTomahto
Sat Aug 01, 2015 7:46 pm
Forum: Personal Consumer Issues
Topic: is 7200 rpm hard drive that much faster than 5400 rpm?
Replies: 21
Views: 555

Re: is 7200 rpm hard drive that much faster than 5400 rpm?

What difference does that make if you then spend NN minutes reading the screen after it is displayed.

OP said that he was developing software on this machine, not using it to power a browser as you assumed.
by TomatoTomahto
Sat Aug 01, 2015 7:44 pm
Forum: Personal Consumer Issues
Topic: is 7200 rpm hard drive that much faster than 5400 rpm?
Replies: 21
Views: 555

Re: is 7200 rpm hard drive that much faster than 5400 rpm?

ieee488 wrote:Yes. Yes. But how would I the user perceive that 33% increase? :-)

It's been a long time since I was in this business, but I would think that it would depend on how often you're running out of 8GB of physical memory and going to disk, and/or faulting in additional pages of memory.
by TomatoTomahto
Sat Aug 01, 2015 8:33 am
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 66
Views: 3273

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

During the summer, when the kids are away, we spend ~$175 on ground coffee and jugs of cold brew iced coffee per month. Farmers market is another $200 per month. Are we counting pet food? That's another $250 per month (4 pets with dietary issues). I haven't even gotten to the grocery store yet. We l...
by TomatoTomahto
Fri Jul 31, 2015 10:13 am
Forum: Investing - Help with Personal Investments
Topic: $0.01 left in tIRA MM after backdoor Roth conversion
Replies: 22
Views: 1373

Re: $0.01 left in tIRA MM after backdoor Roth conversion

I file my taxes (and form 8606) using whole dollar amounts. Is anyone actually using cents?
by TomatoTomahto
Thu Jul 30, 2015 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Does % of students from low income households factor when you pick schools for kids?
Replies: 39
Views: 2552

Re: Does % of students from low income households factor when you pick schools for kids?

Why does racially diverse matter? Why not just worry about the academics? Just curious since I've never heard anyone list this as a criteria for school selection. I can only speak for us. We live in an affluent area. Our public school is 1% black, 4% Hispanic, 19% Asian, and 75% white. I have reaso...
by TomatoTomahto
Thu Jul 30, 2015 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Does % of students from low income households factor when you pick schools for kids?
Replies: 39
Views: 2552

Re: Does % of students from low income households factor when you pick schools for kids?

In our area, the private schools are much more racially and ethnically diverse than the public schools. Why? I think it is because most of the physicians and major league sports participants send their kids to the private schools. So the possibility exists that you can choose home and send your chi...
by TomatoTomahto
Thu Jul 30, 2015 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Best way to backdoor Roth at Vanguard for <3K
Replies: 2
Views: 147

Re: Best way to backdoor Roth at Vanguard for <3K

It shouldn't take long to convert. In today's market, bless your heart for worrying about gains :D
Just do it.
by TomatoTomahto
Wed Jul 29, 2015 7:34 am
Forum: Personal Consumer Issues
Topic: Mandatory vehicle collision avoidance systems are coming
Replies: 43
Views: 2706

Re: Mandatory vehicle collision avoidance systems are coming

One piece of tech I've come to personally dislike is the emergency brake assist on my 2015 4runner. A technique I've ingraned in myself over the years is to instantly move my foot to the brake and partially press it whenever something unexpected happens in front of me. This lights up my brake light...
by TomatoTomahto
Tue Jul 28, 2015 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: 401k and Roth are in Target Date Funds MAXED... What about taxable account?
Replies: 4
Views: 489

Re: 401k and Roth are in Target Date Funds MAXED... What about taxable account?

I was a landlord once. I was not cut out for it. I told my ex-wife after we got the last deadbeats out of the place that she had three choices: sell the place, burn it to the ground, or leave it empty. She had a sentimental attachment to the place so she kept it empty. We did not need to flip a coin...
by TomatoTomahto
Tue Jul 28, 2015 6:54 pm
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6144

Re: wife got in wreck with Honda CRV - no collison coverage

I'd never spend $10K to re-inflate a car. Find the safest mid-size or larger you can possibly afford. Volvo comes to mind (something like S60 or larger) but I'm sure there are other similar models. The "go with a Volvo/something built like a tank" approach protects the OP's wife and child...
by TomatoTomahto
Tue Jul 28, 2015 12:08 pm
Forum: Investing - Theory, News & General
Topic: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?
Replies: 45
Views: 2511

Re: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?

I inadvertently stumbled on the solution. I was prepared, and our finances were also, for retirement. Then my wife got an unexpected job that she'll probably keep for 5+ years. So, I can make believe that we retired but have a big income stream coming in. Works for us :sharebeer I'm half kidding, bu...
by TomatoTomahto
Tue Jul 28, 2015 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6757

Re: Divorce

I learned a lot, and I hope that some of it translates: 1. If you have children, remember that you love them more than you dislike your ex. 2. I agree with what others have said about lawyers. My ex wanted to fight, but in the end she wound up with half of our possessions, less the considerable port...
by TomatoTomahto
Mon Jul 27, 2015 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: How long until a $10,000 loss matters?
Replies: 39
Views: 3324

Re: How long until a $10,000 loss matters?

I'm "retired" but my wife still works. A topic for another day might be whether it's really possible for one in a couple to retire; I think a case could be made that a retirement means no additional earned income for the family unit. We still save. Every year we put $x into accounts that a...
by TomatoTomahto
Mon Jul 27, 2015 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: finance a car or lease it
Replies: 11
Views: 639

Re: finance a car or lease it

I'll direct this to the OP, so please don't jump all over me for the un-BH thing I'm about to say. I'm in my early 60s, so I could actually be a grandfather instead of father to my kids. For my peace of mind, I have purchased cars for my kids. They can buy cars for themselves later on. I am in a pos...
by TomatoTomahto
Mon Jul 27, 2015 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: finance a car or lease it
Replies: 11
Views: 639

Re: finance a car or lease it

Some people claim that a lease makes sense when it's a car that's being paid for by a business. That's not the case here. A lease is even worse than financing a car, because the salesman knows that you're under time pressure when the lease is up. They have all the cards. Financing a car is a way to ...
by TomatoTomahto
Mon Jul 27, 2015 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Golden handcuffs - help with vested retirement plan
Replies: 28
Views: 3002

Re: Golden handcuffs - help with vested retirement plan

My understanding is that $53k maxes you out, so there are no personal 401k contributions to vest.
by TomatoTomahto
Mon Jul 27, 2015 6:50 am
Forum: Personal Consumer Issues
Topic: Can you return food at a restaurant and not have to pay for it?
Replies: 46
Views: 4377

Re: Can you return food at a restaurant and not have to pay for it?

A young man I know recently moved into his own apartment. His mother, with whom he lived until recently, was demanding of servers and very often rude. He mentioned that one of the things he was looking forward to was that his restaurant meals were now less likely to be messed with. :sharebeer
by TomatoTomahto
Sun Jul 26, 2015 8:57 pm
Forum: Personal Consumer Issues
Topic: Can you return food at a restaurant and not have to pay for it?
Replies: 46
Views: 4377

Re: Can you return food at a restaurant and not have to pay for it?

I know a woman who does this frequently. She is out with a group, orders a meal, says it was not done to her satisfaction. They offer to replace or provide an alternative. She responds that her group is well into the meal and just remove it from the bill. She has pulled this at various restaurants ...
by TomatoTomahto
Sun Jul 26, 2015 6:26 am
Forum: Investing - Help with Personal Investments
Topic: Golden handcuffs - help with vested retirement plan
Replies: 28
Views: 3002

Re: Golden handcuffs - help with vested retirement plan

Over 40% of 401k plans have immediate vesting. I would guess that it is higher for professionals. What paints an even grimmer picture on this data are the vesting schedules. Only 22% of 401K matching vests immediately. Also at 22% are ‘cliff’ vesting schedules. These plans require you to stay with ...
by TomatoTomahto
Sat Jul 25, 2015 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Golden handcuffs - help with vested retirement plan
Replies: 28
Views: 3002

Re: Golden handcuffs - help with vested retirement plan

These are not "retention" policies. These are draconian and anticompetitive tactics. adjective: draconian (of laws or their application) excessively harsh and severe. I guess I'm having a difficult time seeing where an employer contributing $53k/year is draconian. OP wasn't pressured to s...
by TomatoTomahto
Sat Jul 25, 2015 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: help with my investing direction.. errrr, I'm with Ram-it James
Replies: 21
Views: 1033

Re: help with my investing direction.. errrr, I'm with Ram-it James

Just to be clear, I was in no way suggesting Fidelity (or for that matter, Vanguard) advisory services. I am as dumb as a sack of hammers and even I can do it myself. I might not always beat the living daylights out every nickel, but I do quite well, thanks. The reason they have you in 31 funds is t...
by TomatoTomahto
Sat Jul 25, 2015 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: help with my investing direction.. errrr, I'm with Ram-it James
Replies: 21
Views: 1033

Re: help with my investing direction.. errrr, I'm with Ram-it James

Don't leave the frying pan for the fire. Vanguard or Fidelity will serve your needs. Easy peasy.
by TomatoTomahto
Thu Jul 23, 2015 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Back door Roth Help - Fidelity
Replies: 5
Views: 698

Re: Mega Back door Roth Help - Fidelity

Yes. It stinks, but just pay the taxes on $100 of earnings and call it a day.
by TomatoTomahto
Thu Jul 23, 2015 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for children?
Replies: 23
Views: 1899

Re: Roth IRA for children?

My advice is that putting quotes around "pay" is usually not a good sign. My advice is that children learn from what we do more than what we say. Granted that three is a young age, but what would you tell him the source of the funds is? Full disclosure: my 19 year old earned his first &quo...
by TomatoTomahto
Wed Jul 22, 2015 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Redoing All Finances - Advice Would Be Awesome!
Replies: 24
Views: 2141

Re: Redoing All Finances - Advice Would Be Awesome!

The mavens will answer in detail, since we've only done a "normal" rIRA, but as I understand it, you have an opportunity to "re-characterize" the contribution if need be. Btw, if you want to get your wife on board with BH, maybe you should make the first account to get the benefi...
by TomatoTomahto
Wed Jul 22, 2015 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Redoing All Finances - Advice Would Be Awesome!
Replies: 24
Views: 2141

Re: Redoing All Finances - Advice Would Be Awesome!

You have been getting excellent advice here, but I want to make sure that BolderBoy's suggestion of a BackDoor Roth is not overlooked. If you are investing in taxable accounts, without a significant Traditional IRA that can't be rolled over to another vehicle, maxing out your BackDoor Roth space is ...
by TomatoTomahto
Tue Jul 21, 2015 11:00 pm
Forum: Personal Consumer Issues
Topic: Deregulated New Jersey PSEG Region: Reputable Methods for Purchasing Eletricity?
Replies: 2
Views: 349

Re: Deregulated New Jersey PSEG Region: Reputable Methods for Purchasing Eletricity?

I believe it's a legal contract and there's no recourse. I got scammed that way once myself. Low initial rate and a promise, verbal, that we would be advised when the rate changed. We didn't notice for a few months that the rate had changed. Various companies call all the time. I hang up on them now.
by TomatoTomahto
Tue Jul 21, 2015 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Should I get out of personal stocks - Did
Replies: 11
Views: 1084

Re: Should I get out of personal stocks - Did

In $130K of Vanguard Total Stock Market Index, one will have about $9,000 or 7% of that $130K in Total Stock Market in these 7 stocks: T AAPL F GILD HD LOW MSFT Which is more than he has directly ($6k). My 2 cents, it's not worth it. We have only one individual stock, which we don't want to sell be...
by TomatoTomahto
Mon Jul 20, 2015 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Is this unethical behavior by employer (job question)
Replies: 14
Views: 1803

Re: Is this unethical behavior by employer (job question)

The only outrageous behavior here is the administrator who leaked the news. If it were my org, I'd probably fire him or her. Bare minimum requirement for an administrator is to be able to keep a secret.
by TomatoTomahto
Sat Jul 18, 2015 8:07 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 731
Views: 104374

Re: Tesla S

stingray5688 wrote:


Wonder what it's like to participate in a software public beta for your car :shock:


It's probably a lot like the hardware beta for ignition switches, but less dangerous.
by TomatoTomahto
Fri Jul 17, 2015 10:16 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 731
Views: 104374

Re: Tesla S

Not to mention, a range of nearly 300 miles is hardly "putting around town."

That reminds me of a joke about a Texan and an Israeli, ...
by TomatoTomahto
Fri Jul 17, 2015 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Elective deferral limit question
Replies: 23
Views: 1177

Re: Elective deferral limit question

JaySayms wrote:So the MAX contributions for 2015 is $53,000..... correct?


If it's not 53k, someone wake me up before it's too late, because that's the amount we put in DW's 401k post-tax.
by TomatoTomahto
Fri Jul 17, 2015 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Option Advice
Replies: 5
Views: 599

Re: Employee Stock Option Advice

I personally don't like keeping RSUs for a minute longer than necessary. I don't know options, but the same general thinking probably applies: if the company does well, you'll do well, and if the company does poorly, you'll be glad to have diversified. I would not voluntarily have more than 5% of my...
by TomatoTomahto
Thu Jul 16, 2015 10:03 pm
Forum: Investing - Theory, News & General
Topic: Shark Tank's Kevin O'Leary creates ETF
Replies: 6
Views: 1175

Re: Shark Tank's Kevin O'Leary creates ETF

What I dislike, and can't get past, is the high management fees. I was probably never a candidate for this kind of investing.

It is an entertaining show.
by TomatoTomahto
Thu Jul 16, 2015 8:38 pm
Forum: Personal Consumer Issues
Topic: Vanguard iPad app having some issues in the short term
Replies: 10
Views: 720

Re: Vanguard iPad app having some issues in the short term

Well, I shortened the password and it worked. Then I made the password 20 characters again, and it worked. All's well that ends well :D
by TomatoTomahto
Thu Jul 16, 2015 8:24 pm
Forum: Personal Consumer Issues
Topic: Vanguard iPad app having some issues in the short term
Replies: 10
Views: 720

Re: Vanguard iPad app having some issues in the short term

Did you shorten the password and it worked?
by TomatoTomahto
Thu Jul 16, 2015 8:00 pm
Forum: Personal Consumer Issues
Topic: Vanguard iPad app having some issues in the short term
Replies: 10
Views: 720

Re: Vanguard iPad app having some issues in the short term

I use a password manager (RoboForm). I can't imagine that's it, but just thought I'd mention it. Too lazy to test it right now :D
by TomatoTomahto
Thu Jul 16, 2015 6:55 pm
Forum: Personal Consumer Issues
Topic: What to do with bill received for prior homeowner
Replies: 41
Views: 3715

Re: What to do with bill received for prior homeowner

Write return to sender, address unknown on it. Bonus points for an Elvis curled lip. You young 'uns, never mind.
by TomatoTomahto
Thu Jul 16, 2015 6:49 pm
Forum: Personal Consumer Issues
Topic: Vanguard iPad app having some issues in the short term
Replies: 10
Views: 720

Re: Vanguard iPad app having some issues in the short term

Flobes wrote:I just logged in via IPad, no problem. Opened to the new name & password front page.

How long is your password? Mine overlaps the preprinted text.
by TomatoTomahto
Thu Jul 16, 2015 5:51 pm
Forum: Personal Consumer Issues
Topic: Vanguard iPad app having some issues in the short term
Replies: 10
Views: 720

Vanguard iPad app having some issues in the short term

I think they're rolling out the Vanguard security changes. I had difficulty logging in from the iPad application, and they requested that I just use the browser interface for the time being.
by TomatoTomahto
Thu Jul 16, 2015 9:17 am
Forum: Investing - Help with Personal Investments
Topic: All Eggs in One Basket?
Replies: 20
Views: 2390

Re: All Eggs in One Basket?

BlackStrat wrote:Not to be overly dramatic, but we're talking worldwide collapse of markets, rioting in the street, angry gangs taking over cities, untempered chaos, roving cannibals, and possibly the loss of large screen cable tv services!

That made me laugh out loud. Belated welcome to the forum.
by TomatoTomahto
Wed Jul 15, 2015 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: All Eggs in One Basket?
Replies: 20
Views: 2390

Re: All Eggs in One Basket?

I have most of my money at Vanguard, because it has the funds that I want at prices that are low.

If I thought, for a minute, that the money would be safer spread out among other financial institutions, I would spread them out.
by TomatoTomahto
Tue Jul 14, 2015 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: 401k limit is per job or per year?
Replies: 9
Views: 1261

Re: 401k limit is per job or per year?

I don't believe that there's a requirement that the money contributed adhere to chronological order, so I think you could load up on the matched contributions and return the unmatched. You should check, though. Maybe someone helpful :twisted: could answer.
by TomatoTomahto
Tue Jul 14, 2015 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: I-Savings Bonds
Replies: 29
Views: 3957

Re: I-Savings Bonds

That's what I get for responding to a post at 6:44 AM!
by TomatoTomahto
Tue Jul 14, 2015 6:44 am
Forum: Investing - Help with Personal Investments
Topic: I-Savings Bonds
Replies: 29
Views: 3957

Re: I-Savings Bonds

That's 0 percent real, not nominal.
by TomatoTomahto
Mon Jul 13, 2015 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Having Trouble buying big ticket item
Replies: 57
Views: 4554

Re: Having Trouble buying big ticket item

If your wife isn't enthused, that's one thing. If she's opposed, that's another. You said not enthused. Is that what you meant?
by TomatoTomahto
Sun Jul 12, 2015 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: I-Savings Bonds
Replies: 29
Views: 3957

Re: I-Savings Bonds

I don't have such a service, so I just buy them once a year at TreasuryDirect. I guess it's sort of an emergency fund, but I buy em and forget em.

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