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Re: Disappointed in Vanguard customer service

I prefer no music when on hold because sometimes the hold music is really not to my tastes. +2 or 3 Even more annoying than music you don't like (or poorly recorded) or silence is a recorded voice that says something like "We are sorry for your wait. Someone will be with you shortly" bein...
by TomatoTomahto
Wed Oct 01, 2014 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: Disappointed in Vanguard customer service
Replies: 37
Views: 4073

Re: Would you buy a house in cash if you had enough?

I would pay cash, but I'm one of the people who paid off his mortgage early. There are people who disagree. That's what makes horse races.
by TomatoTomahto
Wed Oct 01, 2014 10:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house in cash if you had enough?
Replies: 16
Views: 1237

Re: Dave Ramsey says asset allocation does not work

Basspond, I stand by every word I said about Dave Ramsey, except in looking back, I see that I misspelled "shears," so every word but 1 :D
by TomatoTomahto
Wed Oct 01, 2014 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says asset allocation does not work
Replies: 44
Views: 4061

Re: Dave Ramsey says asset allocation does not work

basspond wrote:Don't understand what he does to prey on them...

He touts his "local endorsed providers" who do the direct fleecing. Dave Ramsey's hands are not clean, although they aren't wielding the sheers.
by TomatoTomahto
Wed Oct 01, 2014 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says asset allocation does not work
Replies: 44
Views: 4061

Re: college related advice for 11th grader

So, if H has been outed as gaming the yield, and more students apply early looking to goose their odds, that will allow H to accept a greater percentage of their entering class during EA, but lower their acceptance % so they don't look like they're gaming the yield. There's always another level of t...
by TomatoTomahto
Wed Oct 01, 2014 5:56 pm
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 116
Views: 7772

Re: So do we care more about change in bond price or bond yi

I understand how to feel about stocks going up or down. Really? It gets complicated. I see many people early in their accumulation phase who are happy when stocks go up, contrary to all sense. I understand the nice feeling that you're worth more today than yesterday, but that's not so great if you ...
by TomatoTomahto
Wed Oct 01, 2014 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: So do we care more about change in bond price or bond yield?
Replies: 18
Views: 800

Re: OTA HDTV - Best antenna to use?

One thing to think about: Get your antenna from a place such as Amazon with a good return policy. Amazon has a good return policy??? Rarely buy from there, but did so recently and the materials with the shipment said only that I can return unopened items. To me returning to a local store is much si...
by TomatoTomahto
Wed Oct 01, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 41
Views: 4608

Re: Dave Ramsey says asset allocation does not work

When I see posts about Dave Ramsey that are negative but followed by a mention that his getting-out-of-debt message is redemptive, I'm reminded of those interviews with the next-door neighbor of someone discovered to be a heinous criminal, and they invariably say something like "it's so shockin...
by TomatoTomahto
Wed Oct 01, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says asset allocation does not work
Replies: 44
Views: 4061

Re: Should I include this in my net worth?

You don't include personal capital, do you? But, if it makes you happy, do it.

By contrast, I never include my wife's (involuntarily) deferred compensation, even though it's 99.9% going to be paid to her.
by TomatoTomahto
Wed Oct 01, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I include [banked vacation days] in my net worth?
Replies: 30
Views: 1761

Re: college related advice for 11th grader

livesoft wrote:Here are some annual school rankings from a new source. Rachel Cole reports:
http://www.theonion.com/video/nations-p ... 0-p,35204/


Funny. "The gym is pretty good too!" :sharebeer
by TomatoTomahto
Wed Oct 01, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 116
Views: 7772

Re: college related advice for 11th grader

Re applying SCEA to Harvard or Yale: as you know, I strongly preferred Yale over Harvard for DS. But, if I'm being honest, I think that the statistics about EA acceptances at H reflect something besides the fact that recruited athletes and legacies apply early. Harvard's strangle hold on yield has b...
by TomatoTomahto
Wed Oct 01, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 116
Views: 7772

Re: Hard Money Lending, flipping houses 12% return Lets hear

... And if his business is doing this, and it's not his first house, why can't he self-fund?

I wouldn't touch this with a barge-pole.

ETA: I see that Flossy beat me to the punch.
by TomatoTomahto
Tue Sep 30, 2014 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 53
Views: 2600

Re: Oatmeal suggestions

How many cups of steel cut oats and how many cups of water do you use to make the largest amount without having the cooker explode or float away? I guess that depends on the capacity of the cooker; they come in different sizes (NB: when I say cup here, I mean a standard cup, for rice they provide a...
by TomatoTomahto
Tue Sep 30, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 96
Views: 3279

Re: Oatmeal suggestions

It does take quite a while to cook, so just start it early. Trust me on this. Get a Zojirushi rice cooker. It also makes great rice, but apropos of this thread, you put in the oatmeal and water, select porridge on the menu, dial in what time you'd like it to be ready, and go to sleep. In my cooker,...
by TomatoTomahto
Tue Sep 30, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 96
Views: 3279

Re: Oatmeal suggestions

Steel cut oatmeal (I use McCann's) in a Zojirushi rice cooker with timer, so that it's ready when I am in the morning. It cooks for roughly 65 minutes. Use 1 part oatmeal to 2.5 parts water and adjust to personal preference. Use the porridge setting. By coincidence, I was reading a newsletter from ...
by TomatoTomahto
Tue Sep 30, 2014 11:09 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 96
Views: 3279

Re: Oatmeal suggestions

Steel cut oatmeal (I use McCann's) in a Zojirushi rice cooker with timer, so that it's ready when I am in the morning. It cooks for roughly 65 minutes.

Use 1 part oatmeal to 2.5 parts water and adjust to personal preference. Use the porridge setting.
by TomatoTomahto
Tue Sep 30, 2014 5:51 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 96
Views: 3279

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

Is this something that one can reasonably expect a Vanguard Concierge to handle correctly?
by TomatoTomahto
Mon Sep 29, 2014 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 66
Views: 5536

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

Tx_Turtle, As far as the tax rules are concerned, the $20k of after-tax is the actual after-tax CONTRIBUTIONS. The other $80k will be some combination of pre-tax CONTRIBUTIONS, the GROWTH on the pre-tax contributions, and the GROWTH on the after-tax contributions. It doesn't matter. All of those are...
by TomatoTomahto
Mon Sep 29, 2014 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 66
Views: 5536

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

Tx_turtle, the way I understand it, you rollover the post-tax CONTRIBUTION to a Roth IRA and the total of pre-tax contributions and gains (from pre and post-tax) to a tIRA. Good point. I meant to imply (but did not clearly state) that the gains would be rolled over along with the contribution. If y...
by TomatoTomahto
Mon Sep 29, 2014 9:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 66
Views: 5536

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

Tx_turtle, the way I understand it, you rollover the post-tax CONTRIBUTION to a Roth IRA and the total of pre-tax contributions and gains (from pre and post-tax) to a tIRA.
by TomatoTomahto
Mon Sep 29, 2014 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 66
Views: 5536

Re: IRS 2014-54 -- thinking about 401k twin rollover correct

Thanks, Placeholder. I'd be worried that it might go against the spirit of simultaneous twin rollovers, but it's something to think about. I have to check, but I don't recall them allowing anything other than bringing in a 401k from a previous employer.
by TomatoTomahto
Mon Sep 29, 2014 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRS 2014-54 -- thinking about 401k twin rollover correctly?
Replies: 2
Views: 138

IRS 2014-54 -- thinking about 401k twin rollover correctly?

I have been following the threads on the IRS 2014-54 ruling regarding twin rollovers from 401k to tIRA and Roth IRA, but thought I should post this as a separate thread to see if I've got the salient points. My wife has done back door Roth since last year, so she has ~ $21 in Roth IRA (for 2012, 201...
by TomatoTomahto
Mon Sep 29, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRS 2014-54 -- thinking about 401k twin rollover correctly?
Replies: 2
Views: 138

Re: Investing $40K of taxable savings

Not sure if I should use VTMSX or VSMAX? My rule-of-thumb for a question like this: Whichever one you pick, the other one will perform better. Other than that, you are asking folks to predict the future. It's like the answer to the old truth-telling/lying twins puzzle: which door would your twin su...
by TomatoTomahto
Sun Sep 28, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing $40K of taxable savings
Replies: 22
Views: 1604

Re: Any disadvantages of filing for unemployment?

drawpoker wrote:[OT comments removed by admin LadyGeek]


[OT comments removed by admin LadyGeek]
by TomatoTomahto
Sun Sep 28, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any disadvantages of filing for unemployment?
Replies: 22
Views: 2163

Re: New 2% cash back Mastercard from Citi

Worked fine to enroll in autopay. So, I get to keep my card :)
by TomatoTomahto
Fri Sep 26, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 224
Views: 23883

Re: New 2% cash back Mastercard from Citi

This thread has motivated me to (finally) open a Fidelity Cash Management Account as well as apply for the 2% American Express. I should have done this years ago, I've been using a 1% cash back card from USAA. Do you have the Fido card automatically paid from a checking account? I couldn't find a w...
by TomatoTomahto
Fri Sep 26, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 224
Views: 23883

Re: Is Now a Good time to Buy Bonds ???

Apply new money to bonds until you hit 80/20 if that's your AA. If you're really nervous about bonds, avoid really long-term bonds. When I've gotten dinged on bonds, it has been a few percent, which was then made up for by their higher yield. Wish I could say the same for equities :D (but I'm not co...
by TomatoTomahto
Fri Sep 26, 2014 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Now a Good time to Buy Bonds ???
Replies: 19
Views: 1814

Re: New 2% cash back Mastercard from Citi

This thread has motivated me to (finally) open a Fidelity Cash Management Account as well as apply for the 2% American Express. I should have done this years ago, I've been using a 1% cash back card from USAA. Do you have the Fido card automatically paid from a checking account? I couldn't find a w...
by TomatoTomahto
Thu Sep 25, 2014 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 224
Views: 23883

Re: We're all going to die!!!

LRDave wrote:It's that reverse-double-flickering candle thingie I tell ya! :D

:sharebeer
by TomatoTomahto
Thu Sep 25, 2014 5:07 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4726

Re: Acura RDX - test drove it again and it's about off my li

One thing I like about the Volvo NAV is that the next instruction seems to show up in the speedometer display at just the right time. The map in the center part of the dash is big enough and clear enough if there is any confusion (NJ has some complicated 5-way intersections). However, I use the &quo...
by TomatoTomahto
Thu Sep 25, 2014 7:36 am
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 58
Views: 5260

Re: Credit Card Rewards for Student

I haven't researched this as well as some others have, but my strong preference is for cash rewards. Mileage plans change, airlines change, your travel needs change, but cash is always cash. :)
by TomatoTomahto
Wed Sep 24, 2014 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards for Student
Replies: 7
Views: 344

Re: Acura RDX - test drove it again and it's about off my li

Re NAV: I've long been a proponent of standalone NAV devices, and have owned a number of Garmin and TomTom devices with traffic feeds. By comparison, the built-in NAVs (two Range Rover and one Volvo) were not as good, although the latest Volvo one is not too bad (just FYI, I never selected the built...
by TomatoTomahto
Wed Sep 24, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 58
Views: 5260

Re: Quicken to track investments - how are you using it?

hornet wrote:As far as its use in asset allocation monitoring, Quicken is fairly useless if you're a slice & dicer,


True, but for keeping track of the AA from 10,000 feet, it does a decent job.

I also like that I can specify lots for TLH.
by TomatoTomahto
Wed Sep 24, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Quicken to track investments - how are you using it?
Replies: 9
Views: 569

Re: how to prevent medical expense catastrophe?

A true catastrophic policy with a $10K deductible (per year) would cap your expenses at $10K/year, which is affordable for a lot more people than roughly $90K/year (if I'm calculating your expenses correctly). And that's roughly what we have, except it's referred to as an HDHP rather than a catastr...
by TomatoTomahto
Tue Sep 23, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7540

Re: how to prevent medical expense catastrophe?

Doing away with ALL "insurance" would leave an awful lot of us exposed for the costs of heart bypass surgery, an extended cancer treatment, extended recovery from a serious concussion, etc. My wife got a form of arthritis in her late 20s. She went through various moderate medical treatmen...
by TomatoTomahto
Tue Sep 23, 2014 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7540

Re: Avoiding New Jersey tax on Coverdell ESA distribution

I apologize that I don't have the answer, but I have to say that being a NJ resident myself, I've concluded that the only way to avoid NJ's excessive taxation is to leave the state and leave nothing behind. I'm not a guy who is obsessed with not sharing with the government, but NJ has become insane....
by TomatoTomahto
Mon Sep 22, 2014 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Avoiding New Jersey tax on Coverdell ESA distribution
Replies: 5
Views: 400

Re: how to prevent medical expense catastrophe?

HoosierJim wrote:When I purchase auto insurance, I don't have to worry about "green" cars hitting me on Tuesdays.

Good points. In this case, the analogy is to a hit and run while you were in bed asleep.
by TomatoTomahto
Mon Sep 22, 2014 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7540

Re: how to prevent medical expense catastrophe?

ResearchMed wrote:It would be a rare person/family who would NOT find a bill of over $100k "a consideration"!


LOL, as the kids say. That's a good point. :sharebeer
by TomatoTomahto
Sun Sep 21, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7540

Re: Blood work for cats

One of my pets is a female Manx cat. The rear-end anatomy of a Manx is different to the usual cat, and mine was prone to UTIs. Our vet was perfectly happy to diagnose an infection once or twice a year, prescribe antibiotics, etc. One day, she was out of the office, and her partner told us that Manx ...
by TomatoTomahto
Sun Sep 21, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: Blood work for cats
Replies: 40
Views: 2411

Re: how to prevent medical expense catastrophe?

As an OR nurse in olden times, I was outraged at the article for a different reason. Spinal surgery always required first an orthopod and then a neurosurgeon. Do you want an orthopedic surgeon fiddling with your spinal nerves, or a neurosurgeon trying to manipulate vertebrae? These two specialties ...
by TomatoTomahto
Sun Sep 21, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7540

Re: how to prevent medical expense catastrophe?

It would be really interesting if there are ever kickbacks or other "profit sharing" between the primary and the "other" provider in a case like this. It seems hard to imagine that Dr. A would ask Dr. B to "assist", recognizing that in this case - or in many similar ca...
by TomatoTomahto
Sun Sep 21, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7540

Re: how to prevent medical expense catastrophe?

As an OR nurse in olden times, I was outraged at the article for a different reason. Spinal surgery always required first an orthopod and then a neurosurgeon. Do you want an orthopedic surgeon fiddling with your spinal nerves, or a neurosurgeon trying to manipulate vertebrae? These two specialties ...
by TomatoTomahto
Sun Sep 21, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7540

Re: how to prevent medical expense catastrophe?

If you have insurance with maximum out of pocket, is this a problem? Not necessarily a problem for your pocket, except that there is a higher out of pocket max for out of network, and in my case, it's tallied separately. In my case, it could mean an additional $7,000. But, the larger picture is the...
by TomatoTomahto
Sun Sep 21, 2014 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7540

Re: how to prevent medical expense catastrophe?

The fact that the lead surgeon would accept $6,200 for a procedure that an assistant insisted on every penny of $117,000 is stunning. Not to be cynical, but was there an arrangement between the lead and assistant? Half of $117k is a lot more than $6k. A pox on all of their houses. I find this disgus...
by TomatoTomahto
Sun Sep 21, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7540

Re: how to prevent medical expense catastrophe?

In my life, there are two bills that I have refused to pay, both from orthopedists. One was for the removal of a wrist cast (orthopedists must love trampolines!), which the doctor called a surgical procedure and charged more than $1000 for. I told the office that I would not pay until they reclassif...
by TomatoTomahto
Sun Sep 21, 2014 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7540

Re: Backdoor Roth Step By Step

I don't mean to hijack the thread, but a related question: If I didn't submit a 8606 (for 2011 but done in 2012), do I have to send an entire amended return, just send an 8606, or ignore it?
by TomatoTomahto
Sat Sep 20, 2014 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Step By Step
Replies: 20
Views: 2443

Re: How to achieve a balance between "saving" and "living"?!

I personally used the http://www.esplanner.com software to plan "consumption smoothing." It's not a panacea, and it would be more useful to you if you were older, but take a look. There's a free version that you might find sufficiently informative. One thing: I err on the conservative side...
by TomatoTomahto
Fri Sep 19, 2014 6:37 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6551

Re: 2015 Volvo XC-60 vs. Acura RDX

My saleswoman (and the others at the dealership) had a full day session with someone from Volvo HQ. it is apparently a big difference from pre-2015.5 and this car, although to the consumer it isn't apparent. It's only over time that I realize the things that are different from the 2013, and I don't ...
by TomatoTomahto
Fri Sep 19, 2014 5:32 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Volvo XC-60 vs. Acura RDX
Replies: 21
Views: 1457

Re: 2015 Volvo XC-60 vs. Acura RDX

Browser, Ours doesn't do that. The good thing about the newer cars is that many of the things that are PITA can be fixed with a software update. If dealers tell Volvo that the customers want the stop-start feature to remain set to what it was last, or make it specific to whose key unlocked the door ...
by TomatoTomahto
Fri Sep 19, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Volvo XC-60 vs. Acura RDX
Replies: 21
Views: 1457
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