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Re: Is spouse eligible for SS benefit without ever contribut

Mike Piper has an excellent book that covers this and many other SS topics http://www.amazon.com/Social-Security-Made-Simple-Retirement-ebook/dp/B009K7ZNDS available on Kindle and in paper form. ETA: I see the title got truncated. It is Social Security Made Simple: Social Security Retirement Benefit...
by TomatoTomahto
Fri Oct 24, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is spouse eligible for SS benefit without ever contributing?
Replies: 12
Views: 1166

Re: Tesla S

I can't find the reference right now, but I once read the results of a study that modeled traffic effects of vehicles that could maintain appropriate speed in traffic (rather than over-accelerating and over-breaking), and it was impressive that a small percentage of these vehicles had a profound eff...
by TomatoTomahto
Fri Oct 24, 2014 6:47 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 549
Views: 60134

Re: Three Possible Outcomes for Future Investment Returns

My planning assumption is 0% real return. Anything above that is a bonus. if you will be OK with 0% real why not just do CDs, like 10 or 20 years, brokered, and you will get the inflation return with no risk.... He said it was his planning assumption, not his prediction. I want my plan to work out ...
by TomatoTomahto
Thu Oct 23, 2014 12:05 am
 
Forum: Investing - Theory, News & General
Topic: Three Possible Outcomes for Future Investment Returns
Replies: 32
Views: 2225

Re: FIOS [versus cable]

airahcaz wrote:We have our own modem/wifi router so wifi is not shared and it is password secured.

I'm imagining that FIOS has to be better.


http://www.pcworld.com/article/227973/s ... _them.html
by TomatoTomahto
Wed Oct 22, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: FIOS [versus cable]
Replies: 46
Views: 3431

Re: Gross Yearly Income needed in Retirement (Speculation)

Between SS and pensions, assuming no defaults, we will get around $130/year. Since only the SS is inflation adjusted, that will buy us less and less as the years go by. I do 3 kinds of budgets: "floor" (which could be less, but for practical purposes is the $130k income stream), $240k whic...
by TomatoTomahto
Wed Oct 22, 2014 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 94
Views: 6324

Re: FIOS [versus cable]

I get 50 on wifi at really good times, then as low as single digits in evening peak times. I'd be happy with 20-30's consistently, what is your min during peak hours? I think 30/20 is probably as low as it gets in a room with good coverage, but I haven't picked a peak time when I was the only one u...
by TomatoTomahto
Tue Oct 21, 2014 11:54 pm
 
Forum: Personal Consumer Issues
Topic: FIOS [versus cable]
Replies: 46
Views: 3431

Re: FIOS [versus cable]

So we've noticed our bandwidth is significantly reduced in early evening with Cablevision optimim online. At other times it is fine and very fast. Is it true that bandwidth is consistently fast with FIOS? In other words others using their internet is affected with Cablevision but is not affected if...
by TomatoTomahto
Tue Oct 21, 2014 9:56 pm
 
Forum: Personal Consumer Issues
Topic: FIOS [versus cable]
Replies: 46
Views: 3431

Re: FIOS [versus cable]

So we've noticed our bandwidth is significantly reduced in early evening with Cablevision optimim online. At other times it is fine and very fast. Is it true that bandwidth is consistently fast with FIOS? In other words others using their internet is affected with Cablevision but is not affected if...
by TomatoTomahto
Tue Oct 21, 2014 7:40 pm
 
Forum: Personal Consumer Issues
Topic: FIOS [versus cable]
Replies: 46
Views: 3431

Re: Can I stop saving for a retirement 30 years in the futur

I'm a lot older than you are and at least twice as pessimistic, but I'd be really nervous planning on achieving 4% real growth. I hope that comes to pass, because I'd be living large, but I can't bring myself to rely on it. IMO, max out retirement savings. Hopefully, you will have jobs so gratifying...
by TomatoTomahto
Tue Oct 21, 2014 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I stop saving for a retirement 30 years in the future?
Replies: 11
Views: 2545

Re: Can Navigation be added to a new Toyota Sienna?

I would not do it. 3/4 of our cars have built-in standard GPS. 3/4 of our cars have peripheral devices (2 TomTom and 1 Garmin). I am transitioning to using my phone for GPS; Google Maps seems to make better route choices than any of the built-ins and usually better than the peripheral devices. Addit...
by TomatoTomahto
Tue Oct 21, 2014 7:03 am
 
Forum: Personal Consumer Issues
Topic: Can Navigation be added to a new Toyota Sienna?
Replies: 7
Views: 404

Re: selling RSU immediately

Even if you sell the shares as soon as they vest, if the stock goes up then next year's vested shares will benefit from that increase, so you'd still have some exposure to your company. Yes, I imagine that it's roughly the same at most companies, handcuffs being handcuffs :D At any given point in t...
by TomatoTomahto
Tue Oct 21, 2014 6:56 am
 
Forum: Investing - Theory, News & General
Topic: selling RSU immediately
Replies: 21
Views: 1912

Re: selling RSU immediately

We always sell. Why strive for diversification and then double down on your employer? If they're doing well, you will do well even without loading up on more stock than you have to.
by TomatoTomahto
Tue Oct 21, 2014 1:15 am
 
Forum: Investing - Theory, News & General
Topic: selling RSU immediately
Replies: 21
Views: 1912

Re: Tesla S

Congrats UnclePennybags. Are you getting the all wheel drive version? Very exciting. Just be sure the lanes ahead are clear before you press hard on the pedal, that is almost scary fast for a four door five passenger vehicle weighing almost 5K pounds. Now with 25K miles on the original Signature Mo...
by TomatoTomahto
Mon Oct 20, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 549
Views: 60134

Re: How do you wash your car?

When I go to the dealer for maintenance, they wash and vacuum the cars. Once a year or so, I get the cars detailed.
by TomatoTomahto
Mon Oct 20, 2014 9:51 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 141
Views: 5972

Re: Tesla S

This thread was a fun read. You can add me to the list of Bogelhead Tesla owners. I shared the concerns expressed earlier about the lack of safety features, but the newest version of the Model S has gone from lacking blind spot detection to being an industry leader with virtually every safety featu...
by TomatoTomahto
Mon Oct 20, 2014 6:32 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 549
Views: 60134

Re: Why not 100% Stocks?

One thing I don't quite understand is why not weight the portfolio almost exclusively in stocks. Their return over the long haul seems to greatly trump Bonds, CDs, etc. What role do bonds play in a portfolio, except perhaps access to liquidity. If my short term cash needs are not large, shouldn't I...
by TomatoTomahto
Fri Oct 17, 2014 11:21 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20505

Re: Livesoft - Thank you

I agree with Strep. And, he is sufficiently amusing that even when I don't particularly care about the topic, I'll read his comments because, ... well, just because.
by TomatoTomahto
Fri Oct 17, 2014 2:03 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 37
Views: 4056

Re: What happened to the audiophile?[High quality music sour

Apple recently bought Beats for $3 billion, so there must be some sort of "audiophile" market still out there..... Have you listened to them? They are a "fashion" and aspirational item; they sound less good than a $70 pair of Grados. Yes, I have. And I guess my sarcasm didn't co...
by TomatoTomahto
Wed Oct 15, 2014 10:13 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3700

Re: What happened to the audiophile?[High quality music sour

bhsince87 wrote:Apple recently bought Beats for $3 billion, so there must be some sort of "audiophile" market still out there.....

Have you listened to them? They are a "fashion" and aspirational item; they sound less good than a $70 pair of Grados.
by TomatoTomahto
Wed Oct 15, 2014 9:41 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3700

Re: Opinions on Montessori beyond the preschool years

Bloom2708, for my 2, tuition plus other costs are roughly $40k (each) per year for high school at their school. Son's college is ~$63k per year, but since they have to feed the ravenous boy for that, I might be saving money year on year :D
by TomatoTomahto
Wed Oct 15, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: Opinions on Montessori beyond the preschool years
Replies: 10
Views: 868

Re: Opinions on Montessori beyond the preschool years

...I've mentioned this more than once, but my wife thnks her successful career owes more to Montessori than it does to Vassar or her MBA from Fordham. She has radar for determining which of her employees attended Montessori; her theory is that they're the ones who finish a job...... That's interest...
by TomatoTomahto
Wed Oct 15, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Opinions on Montessori beyond the preschool years
Replies: 10
Views: 868

Re: "Vanguard converting mutual fund accounts to brokerage?

I emailed our Vanguard rep. He called the following day and told me that he had put a note into our file indicating that we did NOT wish to be converted, as doing so would require us to move our accounts elsewhere.

He understood the issues, and said it was not mandatory or automatic.
by TomatoTomahto
Wed Oct 15, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 76
Views: 8855

Re: What is common for a severance package?

Thanks for the replies. Does the week per year of pay often include total compensation (bonus, stock options, and other benefits)? Most often just base salary, and there are often caps on that ("for the purposes of severance, salary is capped at $x.") IME, everything vests (RSUs, matching...
by TomatoTomahto
Wed Oct 15, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is common for a severance package?
Replies: 25
Views: 1813

Re: US Education system investments

Btw, as frequent readers will know I repeat ad nauseum, my wife maintains that the ROI on her Montessori years dwarfs the ROI on her Vassar degree oR Fordham MBA, not to mention middle or high school.
by TomatoTomahto
Wed Oct 15, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: US Education system investments
Replies: 9
Views: 510

Re: US Education system investments

I don't necessarily disagree, but you could also say that pre-K and college are where parents have choices beyond choosing where they live, and maybe many of them believe the local hype about the public schools, or squeeze their eyes shut and hope for the best. Our personal experience was that Monte...
by TomatoTomahto
Wed Oct 15, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: US Education system investments
Replies: 9
Views: 510

Re: What happened to the audiophile?

Rob, that surprises me. If you don't mind saying, what region of the country are you in?

ETA: too lazy to test on a wired PC, but over 802.11ac, a few runs averaged to roughly 80/50 Mbps for my 75/75. Latest iPad.

Pps. And my iPhone 6, bless its bendable heart, averaged to 78/78.
by TomatoTomahto
Wed Oct 15, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3700

Re: What happened to the audiophile?

I'm not trying to bust your chops, and go ahead and keep watching SD if you like. But HDTV is so superior, particularly for sports, and has gotten so reasonably-priced, that it's a must-have for me. The issue might again be the source.... Verizon in my case compresses the signal so much on most cha...
by TomatoTomahto
Wed Oct 15, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3700

Re: What happened to the audiophile?

I've had lasik. My eyes are 20/20. Then the obvious explanation is ruled out. Have to look for another explanation, I guess. :wink: I'm not trying to bust your chops, and go ahead and keep watching SD if you like. But HDTV is so superior, particularly for sports, and has gotten so reasonably-priced...
by TomatoTomahto
Wed Oct 15, 2014 9:24 am
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3700

Re: What happened to the audiophile?

Once upon a time, I would watch a movie by pressing a button to lower my Stewart MicroPerf 110" screen, warm up my front projector and Theta/Linn 5.1 sound system, and enjoy the movie... until the kids needed a ride somewhere, the dog needed to go out, etc. After a while, it just wasn't worth i...
by TomatoTomahto
Wed Oct 15, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3700

Re: Opinions on Montessori beyond the preschool years

Absolutely zero regrets about Montessori. If it had been available, we probably would have kept our kids in until middle or high school, but since there isn't one locally, I can't judge. I've mentioned this more than once, but my wife thnks her successful career owes more to Montessori than it does ...
by TomatoTomahto
Tue Oct 14, 2014 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Opinions on Montessori beyond the preschool years
Replies: 10
Views: 868

Re: Windshield polishing -- any ideas?

You aren't getting one of those obsolete things with only one motor that can't drive itself are you? Mike No, that's why I'm waiting in line. Two motors for me, please. Northern NJ isn't that far north, but we get enough snow to make 4WD useful, and we live on a tricky hill that makes 4WD essential...
by TomatoTomahto
Mon Oct 13, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Windshield polishing -- any ideas?
Replies: 9
Views: 911

Re: Windshield polishing -- any ideas?

VA_Gent wrote:Oh...no prob then, wait 6 months! :wink:

Ha. I hope that it's only 6 months. From your lips to Tesla's schedule.
by TomatoTomahto
Sun Oct 12, 2014 11:41 am
 
Forum: Personal Consumer Issues
Topic: Windshield polishing -- any ideas?
Replies: 9
Views: 911

Re: Windshield polishing -- any ideas?

How about telling your insurance company it is unsafe and you would like to have it replaced. If not just replace it with a "regular" windshield (if they make them). I don't think the insurance company would go for it. Replacing the windshield will cost something like $1200. That's a lot ...
by TomatoTomahto
Sun Oct 12, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Windshield polishing -- any ideas?
Replies: 9
Views: 911

Windshield polishing -- any ideas?

i thought it best not to hijack the thread on cleaning auto headlight lenses, as the solution to this is quite possibly different. I have a 2007 car with a windshield that has many tiny dings and scratches, water spots, etc. The sun and oncoming headlights make it difficult to see past the glare. My...
by TomatoTomahto
Sun Oct 12, 2014 9:45 am
 
Forum: Personal Consumer Issues
Topic: Windshield polishing -- any ideas?
Replies: 9
Views: 911

Re: "Vanguard converting mutual fund accounts to brokerage?

I don't understand why this change isn't viewed more positively. The change is allowing you to hold stock, bonds, etfs, and mutual funds all in the same account without having to keep it separate. There won't be any need for separate mutual fund and brokerage accounts. If all you want to buy is mut...
by TomatoTomahto
Fri Oct 10, 2014 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 76
Views: 8855

Re: When people put all their eggs in the wrong basket

Gmudhorse, welcome to the forum. If you're young, and with a tech job, you should have no problem making yourself whole again. Hang out here at BH a bit, it's a pretty knowledgable, friendly, and generous bunch.
by TomatoTomahto
Thu Oct 09, 2014 11:29 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 222
Views: 22040

Re: Couch Surfing

Strangers allowing strangers to sleep on their couches. What could possibly go wrong... Host: "Did I show you the sound proof room in our basement...." Its the modern twist on hitchhiking that focuses on the destination rather than the journey. Staying in funky places qualifies as a rewar...
by TomatoTomahto
Thu Oct 09, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5233

Re: Can I open up a Roth IRA for my 6 year old?

1. I assume the email and paper mail will continue to come to my email account and residence. I think that is what the broker rep meant when he said they don't make an effort to notify account owner when they reach adulthood. 2. No. If you think your children may qualify for need-based aid, putting...
by TomatoTomahto
Thu Oct 09, 2014 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Can I open up a Roth IRA for my 6 year old?
Replies: 32
Views: 3161

Re: Can I open up a Roth IRA for my 6 year old?

That is the law, but when I was discussing estate planning with someone at a major discount broker, I was informed that the broker does not make any effort to contact the owners of such accounts when they turn 18 or 21. It is up to the parents to do so. If my child were an actor whose earnings were...
by TomatoTomahto
Thu Oct 09, 2014 9:14 am
 
Forum: Investing - Theory, News & General
Topic: Can I open up a Roth IRA for my 6 year old?
Replies: 32
Views: 3161

Re: When people put all their eggs in the wrong basket

http://forum.thecontrarianinvestor.com/index.php?threads/gt-advanced-technologies-inc-gtat.69/page-320#post-20215 Anyway, it is not me you should be jealous of but my mom whose account I manage and has around 415k shares and probably doesn't know GTAT is on the Nasdaq. I have to set up separate acc...
by TomatoTomahto
Thu Oct 09, 2014 8:44 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 222
Views: 22040

Re: Can I open up a Roth IRA for my 6 year old?

That is the law, but when I was discussing estate planning with someone at a major discount broker, I was informed that the broker does not make any effort to contact the owners of such accounts when they turn 18 or 21. It is up to the parents to do so. If my child were an actor whose earnings were...
by TomatoTomahto
Wed Oct 08, 2014 11:27 pm
 
Forum: Investing - Theory, News & General
Topic: Can I open up a Roth IRA for my 6 year old?
Replies: 32
Views: 3161

Re: When people put all their eggs in the wrong basket

This one is the worst post so far: ... It reminded me of a single mother who had been talked into investing most of her money in baseball cards, for the benefit of her son who was intending to attend college and med school. She at first didn't believe me when I told her that they were worth a small...
by TomatoTomahto
Wed Oct 08, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 222
Views: 22040

Re: Are you a "maximizer" or a "satisficer"?

In a training session at work,the HR person exclaimed (only half jokingly) that us engineers would take until doomsday to analyze every option but would never make a decision. I suspect she would say the opposite about managers. IME with engineers, once they had the necessary technical chops, the d...
by TomatoTomahto
Tue Oct 07, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Are you a "maximizer" or a "satisficer"?
Replies: 52
Views: 3045

Re: iPad Air & cellular

Maybe my lifestyle is different, but I find that 95%+ of the time, I'm within wifi range. If I absolutely have to use my iPad during the other 5% of the time, I turn on my phone's personal hotspot.
by TomatoTomahto
Sat Oct 04, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air & cellular
Replies: 10
Views: 933

Re: Oatmeal suggestions

Bengineer wrote:I'm having trouble selling fried eggs over the oats, but they're on my list. With hot sauce? Garnished with some chopped chives or scallions maybe?


Yes, please, may I have some more?
by TomatoTomahto
Fri Oct 03, 2014 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 107
Views: 5396

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. The water to oatmeal proportion seems small and ...
by TomatoTomahto
Fri Oct 03, 2014 10:12 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 107
Views: 5396

Re: Dave Ramsey says asset allocation does not work

Fwiw, I think bringing Hitler and pedophiles into this discussion is in questionable taste. Your point could have been made without reference to either. Godwin's Law strikes again! Brogleski, I don't read every post and my memory is imperfect, but to my recollection that's the first time I've seen ...
by TomatoTomahto
Thu Oct 02, 2014 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says asset allocation does not work
Replies: 87
Views: 7159

Re: Verizon Cell Phone upgrade

We lost unlimited data when we upgraded, but it turns out that we hardly ever use cellular data because there is wifi almost everywhere.
by TomatoTomahto
Thu Oct 02, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: Verizon Cell Phone upgrade
Replies: 6
Views: 1045

Re: Dave Ramsey says asset allocation does not work

We may need to start calling Dave Ramsey threads on this forum a hate crime. For whatever reason, I'll see some minor reference to a less than politically correct or off-topic comment shut down almost immediately. However, threads bashing Dave Ramsey seems to go on forever. Quick Poll...who is disl...
by TomatoTomahto
Thu Oct 02, 2014 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says asset allocation does not work
Replies: 87
Views: 7159

Re: Warren Buffet Agrees with Dave's Asset Allocation!

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 shocki...
by TomatoTomahto
Thu Oct 02, 2014 10:52 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says asset allocation does not work
Replies: 87
Views: 7159
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