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Re: Sell American Funds for Vanguard ones?

I'm not a guy who can compute this to 3 decimal places, but it seems sensible, with your time horizons, to take care of it now, let it grow for decades with reduced drag, and pay again when you draw it down for spending. Welcome to the forum.
by TomatoTomahto
Wed Apr 01, 2015 9:41 am
 
Forum: Investing - Theory, News & General
Topic: Sell American Funds for Vanguard ones?
Replies: 12
Views: 825

Re: Is this a scam: James Rickards

^^ and Bottlecap nails it in one post.
by TomatoTomahto
Wed Apr 01, 2015 7:11 am
 
Forum: Personal Consumer Issues
Topic: Is this a scam: James Rickards
Replies: 12
Views: 2094

Re: Tesla to start making Batteries for Home Solar

I was surprised to see the bump in their stock when it was relatively well known that they were looking to market battery technology outside of cars. I am skeptical that very many people will purchase a battery for their home. In the early 1940s, IBM's president, Thomas J Watson, reputedly said: &q...
by TomatoTomahto
Tue Mar 31, 2015 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Tesla to start making Batteries for Home Solar
Replies: 46
Views: 2725

Re: Social Security Guidance/Specialist

If you want to read and understand, Mike Piper's book (modest BH poster ObliviousInvestor above) and L. Kotlikoff's book are great. If you want a filing strategy optimized, Kotlikoff's http://www.maximizeyoursocialsecurity.com does a great job for $40. Make that http://www.maximizemysocialsecurity....
by TomatoTomahto
Mon Mar 30, 2015 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Guidance/Specialist
Replies: 5
Views: 773

Re: Sued and won for drycleaner losing suit, suit now found.

It sounds to me like many of the folks here are from New York or New Jeraey (where the attitude is screw everyone) and not from the Midwest (where folks seem to get along -- Minnesota Nice -- look it up on Wikpedia). Whoah there, buddy. :D There are people around here (I'm in nj) who regularly go o...
by TomatoTomahto
Mon Mar 30, 2015 6:22 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7701

Re: Help! Are we making a huge [career] mistake?

I had my response ready, and was reading other responses and then saw that you had returned. I am glad that it is working for you. My response, fwiw, was going to be that either option had merits, but that squeezing the last dollar out of it didn't matter to you, and that the line that stuck with me...
by TomatoTomahto
Mon Mar 30, 2015 7:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Help! Are we making a huge [career] mistake?
Replies: 46
Views: 6886

Re: Social Security Guidance/Specialist

If you want to read and understand, Mike Piper's book (modest BH poster ObliviousInvestor above) and L. Kotlikoff's book are great. If you want a filing strategy optimized, Kotlikoff's http://www.maximizemysocialsecurity.com does a great job for $40. Edited to fix link as Christine_NM pointed out my...
by TomatoTomahto
Sun Mar 29, 2015 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Guidance/Specialist
Replies: 5
Views: 773

Re: Buying a house, not new, what to look for/wish you had

I guess there are different kinds of cul-de-sacs. Mine just happens to be a dead end built on a hill where there wasn't a sensible way to continue the road. It doesn't have a turnaround area either, which really pisses off the UPS guy :D It's not a cul-de-sac in the HBO show Weeds sense of the term.
by TomatoTomahto
Sun Mar 29, 2015 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 1953

Re: Two Legged Stool [Figuring out when to take Social Secur

If you want to understand, I recommend Mike Piper's book, which you've already ordered. I have also started reading Kotlikoff's book, and can recommend it also for its tangents and asides. I like ESPlanner, and use it annually, but if you just want a flexible tool to figure out the optimal time and ...
by TomatoTomahto
Sun Mar 29, 2015 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Two Legged Stool [Figuring out when to take Social Security]
Replies: 26
Views: 3017

Re: Buying a house, not new, what to look for/wish you had

I meant drive out of neighborhood once one has driven out of cul-de-sac. The idea is also not to get easily trapped by a parade, a marathon, a triathlon, or accident at the one and only exit from a neighborhood. I get it now. We meet that criteria 364.75 days/year. Once a year, the town holds a roa...
by TomatoTomahto
Sun Mar 29, 2015 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 1953

Re: Buying a house, not new, what to look for/wish you had

1. On a cul-de-sac near the end, but not at the end and not at the beginning. [snip...] 13. 3 ways out of the neighborhood (in case fallen trees block the roads). Did you mean, in #13, that you could walk out in 3 ways? One of the benefits of a cul-de-sac, according to local police, is that experie...
by TomatoTomahto
Sun Mar 29, 2015 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 1953

Re: Buying a house, not new, what to look for/wish you had

We have an older home that we renovated. Most things are fine, and maybe we will fix the interior insulation at some point, but what drives me a bit batty is the sound, downstairs or an adjacent bedroom, of a shower or toilet flushing. Have one of you stay downstairs and the other turn on a shower o...
by TomatoTomahto
Sun Mar 29, 2015 11:45 am
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 1953

Re: Boomer forced to retire (unemployed)

Is the greater issue your finances or your husband's self-esteem/objectives? If you have a good job and you have a young child, he could retire and become a stay-at-home parent. If he embraces that role, he will be a financial contributor by saving you all kinds of money and time, and it may free y...
by TomatoTomahto
Sun Mar 29, 2015 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Boomer forced to retire (unemployed)
Replies: 34
Views: 3947

Re: Boomer forced to retire (unemployed)

I filed early, and while I generally don't recommend it, in a case with young children it's not always a bad idea. Your children would get benefits if he files and continue to receive them until the earliest of 1. Turning 19 2. Finishing high school 3. Getting married. ETA: it's a bit more complicat...
by TomatoTomahto
Fri Mar 27, 2015 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boomer forced to retire (unemployed)
Replies: 34
Views: 3947

Re: Tesla X

Even if they make a delivery in 3Q 2015, they said full production will not be until 2016. Now, personally, I don't think 3Q 2015 will be met when an unveil of the final design hasn't even happened yet and we are days away from starting 2Q 2015. But for those who made a deposit on a Model X, I hope...
by TomatoTomahto
Fri Mar 27, 2015 12:50 pm
 
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 15
Views: 1721

Re: Wise move to move some $ to cash before bear market?

2. Possibly moving to a 65/35 AA for my peace and less anxiety I'm gliding (slowly) to 50/50. I'm currently at 55/45. A consideration in your AA is your need, ability, and willingness to take risk. In my case, I don't have the need, so I limit the aggressiveness of the AA. If you wonder about your ...
by TomatoTomahto
Thu Mar 26, 2015 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 101
Views: 9710

Re: Excess 401 post-tax contribution

Thanks, ERISA Stone. That's a relief.

I think we can make a good case that the company match was made for 2014 contributions, since there were no pre-tax contributions in 2015 and the company does not match post-tax.
by TomatoTomahto
Wed Mar 25, 2015 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Excess 401 post-tax contribution
Replies: 2
Views: 185

Excess 401 post-tax contribution

I did not expect a company match this year on my wife's 401k (for reasons unimportant to this thread). She requested $52,150 in post-86 after-tax, which was done; no pre-tax contributions for the year. Then, a $4,000 employer match showed up, apparently for last year's match (the plan broker changed...
by TomatoTomahto
Wed Mar 25, 2015 9:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Excess 401 post-tax contribution
Replies: 2
Views: 185

Re: College funding

We have a one year old granddaughter and the parents are asking me how to save for college. Just to get things straight, they are not asking for financial help (tho that might be a gift down the road), but are wanting to know the best avenue for investing. With my two sons years ago, I set up a UGT...
by TomatoTomahto
Tue Mar 24, 2015 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: College funding
Replies: 10
Views: 1035

Re: How will my upgrade to "Voyager status" work?

Ward Cleaver, you are doing fine. At your age, I was just a few dollars from living paycheck to paycheck. You are doing better than many people who are 2-3 decades older than you. From http://www.forbes.com/sites/nextavenue/2013/03/01/next-avenue-money-scorecard-how-do-you-rate/ Total savings/invest...
by TomatoTomahto
Tue Mar 24, 2015 6:11 am
 
Forum: Investing - Help with Personal Investments
Topic: How will my upgrade to "Voyager status" work?
Replies: 6
Views: 1116

Re: Roommate problems

The girlfriend should chip in for utilities. A token addition to rent for her share of non-bedroom space utilization would be nice.

My advice, though, is to stay out of this. Not your problem.
by TomatoTomahto
Sun Mar 22, 2015 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roommate problems
Replies: 39
Views: 4168

Re: Help! - picking personal accounting software

Standard Quicken won't "force" you to categorize transactions, but you will have the option. You can add income and expense categories to suit your purposes.
by TomatoTomahto
Sat Mar 21, 2015 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! - picking personal accounting software
Replies: 4
Views: 443

Re: Opened an account Vanguard yesterday, now having cold fe

Yesterday I didn't know who James Rickards was, today I couldn't make it more than 2 minutes through his video, and tomorrow, if there's any mercy in the world, I won't remember who he is again. He is to serious economics as Dance Moms is to the American Ballet Theater. It's America, and you can cho...
by TomatoTomahto
Sat Mar 21, 2015 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opened an account Vanguard yesterday, now having cold feet
Replies: 60
Views: 3789

Re: Personal Messages - Outbox?

It's ... a feature. :D
by TomatoTomahto
Sat Mar 21, 2015 12:53 pm
 
Forum: Forum Issues and Administration
Topic: Personal Messages - Outbox?
Replies: 6
Views: 569

Re: Teaching a responsible teen about money

I don't have kids so what do I know? BUT I think the best way to teach others is to provide a good example. Examples: Don't live on credit cards. Pay off debt quickly (or explain why you're not paying it off quickly if, for instance, you have a car loan at 0%). Live below your means. Save. Establis...
by TomatoTomahto
Sat Mar 21, 2015 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Teaching a responsible teen about money
Replies: 12
Views: 985

Re: Convert paoer Ibonds to electronic?

I converted mine easily enough. As regards the TD website being a PITA, yes it is, but I go there usually once per year: to buy I-bonds and print 1099s. I can deal with a once-a-year PITA.
by TomatoTomahto
Sat Mar 21, 2015 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Convert paoer Ibonds to electronic?
Replies: 6
Views: 640

Re: Need tax loss to offset capital gain [from property sale

If you buy 5000 shares of VTI today, then I will buy them from you at $50 a share. That will generate a nice tax loss for you to use to offset your other capital gains. Somehow though, I don't think you will sell me those shares of VTI for $50 a share. If you're considering it, I'll offer $50.25 pe...
by TomatoTomahto
Fri Mar 20, 2015 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need tax loss to offset capital gain [from property sale]
Replies: 9
Views: 481

Re: Tesla S

As for dual chargers----they only benefit you when you want to charge >40 amps, except for at Superchargers where single and dual chargers charge at the same speed. So the only circumstances where you might benefit from a dual charger, assuming you don't have a HPWC at home, would be when you are o...
by TomatoTomahto
Thu Mar 19, 2015 10:36 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 634
Views: 78457

Re: Tesla S

Ualdriver, yes, I could put in a 40 amp circuit without too much trouble. The HPWC has a 25-foot cable, but Tesla apparently expects 5 foot of slack, so park within 20 feet. Same slack for the 20-foot cable that connects to the 240 volt outlet. There is no charging benefit to the HPWC over the outle...
by TomatoTomahto
Thu Mar 19, 2015 9:32 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 634
Views: 78457

Re: Recruiters asking for current compensation

Your current compensation WILL be confirmed during a pre-contract offer. Might as well make it easy and tell them up front. This has been SOP for over 15 years. Perhaps in some industries, but I've never personally experienced this (as a candidate or as a hiring manager). Most times when a candidat...
by TomatoTomahto
Thu Mar 19, 2015 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Recruiters asking for current compensation
Replies: 54
Views: 4736

Re: Tesla S

Ballard, bollard, bollocks?
What do I know?
by TomatoTomahto
Wed Mar 18, 2015 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 634
Views: 78457

Re: Tesla S

Yes. The installation would be a PITA because we'd have to upgrade our service, and I think the HPWC needs to be on a wall. From what I've been told, a Ballard is usually a raised light (2-3 feet) in landscaping, but it can also refer to a post that is sturdy enough to withstand a bump from a car. I...
by TomatoTomahto
Wed Mar 18, 2015 10:40 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 634
Views: 78457

Re: Tesla S

If this was previously posted, my apologies. I'm hoping to get my X model towards the end of the year. My electrician says that the Wall Connector will be challenging to install. The 240 40 amp charger seems fine for overnight charging, but I would probably have to install a Ballard since the max di...
by TomatoTomahto
Wed Mar 18, 2015 9:58 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 634
Views: 78457

Re: Another SSA question.

Additionally, to my understanding, there is no requirement that information pass between the exes. My first wife, to whom I was married for more than 10 years, can file/not file on my record, and I won't know (or care) about it. I also don't think that she needs any information from me.
by TomatoTomahto
Wed Mar 18, 2015 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Another SSA question.
Replies: 5
Views: 604

Re: Kotlikoff: When Should you Take Social Security?

ChrisC wrote:I have a federal pension, two comma deferred retirement accounts, long term health care insurance, and significant taxable assets.

With all that, I'm surprised that $300/month would make any difference. But, if it makes you happy, go for it.
by TomatoTomahto
Tue Mar 17, 2015 8:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 220
Views: 19913

Re: Kotlikoff: When Should you Take Social Security?

Miriam2 wrote:It sounds like Kotlikoff's $149 ESplanner.com is more of a financial planning tool and may be useful even after the SS issues are ironed out?

Before and after. :D
by TomatoTomahto
Tue Mar 17, 2015 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 220
Views: 19913

Re: Is Now a Good Time to Decrease Stock Index Allocation?

I have slowly been gliding to a 50/50 AA. Rather than doing any timing, I've added more new money to bonds than I have to equities. I'm getting there. If you're adding money, which I assume you are at your age, that is how I'd do it. Is there something about the Fed announcement that you know and th...
by TomatoTomahto
Tue Mar 17, 2015 8:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Now a Good Time to Decrease Stock Index Allocation?
Replies: 9
Views: 1522

Re: Kotlikoff: When Should you Take Social Security?

Good luck! I am BFF with LK, having conversed with him on this thread and the associated poll. Have not had the chutzpah to ask for a discount. L. I've sent more than one customer his way, but haven't asked for a discount either. Let us know how it turns out :D I'm not asking. In my opinion, every ...
by TomatoTomahto
Mon Mar 16, 2015 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 220
Views: 19913

Re: Kotlikoff: When Should you Take Social Security?

dodecahedron wrote:ESPlanner software is apparently a labor of love, according to Larry.

As someone who developed software for 30+ years, I can see it -- ESPlanner is quite an achievement. If I had been involved, I'd be very proud.
by TomatoTomahto
Mon Mar 16, 2015 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 220
Views: 19913

Re: Kotlikoff: When Should you Take Social Security?

Leeraar wrote:Good luck! I am BFF with LK, having conversed with him on this thread and the associated poll.

Have not had the chutzpah to ask for a discount.

L.

I've sent more than one customer his way, but haven't asked for a discount either. Let us know how it turns out :D
by TomatoTomahto
Mon Mar 16, 2015 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 220
Views: 19913

Re: Best/safest investment for 5% yield?

galeno wrote:5% yield with low risk? Not on this planet.

Well, not on this planet at this time.
by TomatoTomahto
Sun Mar 15, 2015 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best/safest investment for 5% yield?
Replies: 13
Views: 2452

Re: Why the popularity of dividends? What's the counterargum

toto238 wrote:I like to point out that Berkshire Hathaway has never paid out a dividend. Is it a "bad" company?

I like that WB feels that he can make better use of the money than I can. Fwiw, he's apparently correct, and I have no complaints about the stock's appreciation.
by TomatoTomahto
Sun Mar 15, 2015 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: Why the popularity of dividends? What's the counterargument?
Replies: 70
Views: 5020

Re: 401K leaving employer

Yes, true enough. Never mind. Insufficient caffeine on a Sunday morning.
by TomatoTomahto
Sun Mar 15, 2015 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: 401K leaving employer
Replies: 25
Views: 1872

Re: 401K leaving employer

To keep backdooring, don't most 401ks accept reverse rollovers?

I expect to, when changing employers:
roll OldCo post-tax 401k to Roth IRA
roll OldCo pre-tax and earnings in 401k to tIRA
reverse roll tIRA to NewCo 401k
resume backdoor Roth, although I plan on waiting a year
by TomatoTomahto
Sun Mar 15, 2015 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: 401K leaving employer
Replies: 25
Views: 1872

Re: The financier and the secretary. A true story.

In the 80s, I did some part-time consulting for a company called Capital Cities. It was later bought by Disney and had Berkshire Hathaway-like growth; it ran the leanest home office I'd ever seen. Some of that work involved employee benefits, so I got to see how much the secretaries had in retiremen...
by TomatoTomahto
Sun Mar 15, 2015 9:01 am
 
Forum: Investing - Theory, News & General
Topic: The financier and the secretary. A true story.
Replies: 39
Views: 6114

Re: Best approach for transferring mutual fund shares

I don't have a tax reduction plan. But, I do have advice: don't let the tax tail wag the investing dog.

Are there specific lots that incurred the majority of the gains?
by TomatoTomahto
Sat Mar 14, 2015 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best approach for transferring mutual fund shares
Replies: 5
Views: 613

Re: advice about capital gains switching to index fund

Please post in this format: http://www.bogleheads.org/forum/viewtop ... f=1&t=6212.

We need more information, and getting it in dribs and drabs doesn't work well.
by TomatoTomahto
Sat Mar 14, 2015 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: advice about capital gains switching to index fund
Replies: 10
Views: 732

Re: Advice needed (work/bonus/career advice)

Unless the hard copy they gave you explicitly stated a vesting date that has passed, you will not get the bonus if you give notice. I recently saw a bonus sheet that had a vesting date of x, but a "retention date" two months later. The small print said that the vesting date was, in layman'...
by TomatoTomahto
Sat Mar 14, 2015 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Advice needed (work/bonus/career advice)
Replies: 38
Views: 1569

Re: advice about capital gains switching to index fund

nissanaltima21 wrote:
livesoft wrote:How much are we talking about?

I'd at least start the process. You may find your thoughts change as you get going.

2 million ish

$2M total or $2M in capital gains?
by TomatoTomahto
Sat Mar 14, 2015 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: advice about capital gains switching to index fund
Replies: 10
Views: 732

Re: Costs of Vanguard Target Retirement Funds?

A good idea here would be to look at the prospectus, which explains all about expenses, among other matters. Since anytime you invest in a new mutual fund, you must certify that you have read the prospectus, it is a good idea to do so anyway. Do you read every EULA (End User License Agreement) befo...
by TomatoTomahto
Sat Mar 14, 2015 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Costs of Vanguard Target Retirement Funds?
Replies: 6
Views: 805
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