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Re: Poll - Do you use Quicken?

The admiral shares conversion was a hassle (I'd forgotten about it since it happened years ago). Unfortunately I bought TSM and had dividends reinvested. I knew I needed to get the number of shares right for each lot in order to maintain cost basis properly. I ended up building a conversion spreads...
by TomatoTomahto
Tue Jul 22, 2014 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 59
Views: 2140

Re: Poll - Do you use Quicken?

I think tracking income and expenses early in life is important, as it's easy to lose sight of where the money goes. I don't bother with a budget while we have income coming in, but I found it useful to be able to load average annual expenses, by category, into Excel. Then, on a category by categor...
by TomatoTomahto
Tue Jul 22, 2014 8:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 59
Views: 2140

Re: What about the 2015 Volvo XC60?

We own a 2013, and just ordered a 2015.5. We needed AWD, which is not yet available with the smaller engines. The cosmetics are somewhat changed, there some small improvements (radar rather than camera-based blind spot warning, more capability to avoid hitting bicyclists in addition to pedestrians, ...
by TomatoTomahto
Mon Jul 21, 2014 7:25 pm
 
Forum: Personal Consumer Issues
Topic: What about the 2015 Volvo XC60?
Replies: 6
Views: 611

Re: Poll - Do you use Quicken?

I'm surprised that Excel is so widely used. I've written elaborate applications in Excel and VB for Apps, but why would I jump through hoops to do what Quicken does out of the box? I have never used Quicken but can it aggregate various investments into allocation types and perform a rebalancing ana...
by TomatoTomahto
Mon Jul 21, 2014 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 59
Views: 2140

Re: Poll - Do you use Quicken?

I use Quicken on Windows for tracking cost basis, investments, credit cards, bank accounts, etc I'm surprised that Excel is so widely used. I've written elaborate applications in Excel and VB for Apps, but why would I jump through hoops to do what Quicken does out of the box? I guess if you've got o...
by TomatoTomahto
Mon Jul 21, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 59
Views: 2140

Re: Advice please - Mom getting railroaded by SSA

I had much more luck getting help on the phone with SSA than I did with the local office. Perhaps she might try that.
by TomatoTomahto
Mon Jul 21, 2014 7:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice please - Mom getting railroaded by SSA
Replies: 8
Views: 1427

Re: Social Security Taxes?

Hey the way I view it,I'm thankful I am earning the income that puts me in a position to have 85% of my Social Security earnings taxed. :sharebeer +1 +2 Many many years ago, my father and I had a discussion about how that year, he had paid more in taxes than he had made the year before. Three cheer...
by TomatoTomahto
Sun Jul 20, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxes?
Replies: 26
Views: 2243

Re: Buy a condo for college?

Don't conflate your kids' college experience and your investing. High among what my son looks forward to for the next four years is the dorm experience. Classes are only so many hours, and hanging out talking into the wee hours is part of college. And, there is NO way he'd be cooking as well as the ...
by TomatoTomahto
Sun Jul 20, 2014 8:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2345

Re: Poll: Has your AA changed in the last 18 months

I am gliding toward 50/50 at a leisurely pace.
by TomatoTomahto
Sun Jul 20, 2014 7:55 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 49
Views: 2215

Re: Apple TV

Thanks for the suggestion, maybe I'll look into an Apple router at some point. I'm just a bit reluctant to disentangle all the stuff at the top of the closet -- as all the connections and stuff seem to be working well enough now. Someone I hired did the whole router, etc setup, so I'm not even sure...
by TomatoTomahto
Sat Jul 19, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: Apple TV
Replies: 33
Views: 1899

Re: If you own a car, do you have a car payment?

Paid cash for 3 cars; the fourth one offered (after price was finalized) an interest lower than inflation, so we "financed" that one. We had intended to pay in cash, but it seemed like free money. We have the payment auto-deducted (pun :oops: ) from our account, so no chance for late fees.
by TomatoTomahto
Fri Jul 18, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 100
Views: 5332

Re: Apple TV

I pretty much have all Apple products (PCs, iPhone, iPod, etc.) and am trying to keep things simple, e.g., one call to Apple Care with issues. I have Amazon Prime but only by piggybacking on a family member's membership, so I believe only the primary Prime holder gets the free streams. Well, then, ...
by TomatoTomahto
Fri Jul 18, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Apple TV
Replies: 33
Views: 1899

Re: Apple TV

While you're at it, have you considered a Roku? You might want to try one and see if it's an improvement. If you're an Amazon Prime member, you can get some free streams. Btw, as a side note: I just tested my wireless speed and it's 89 Mbps download speed. However, since it's FIOS, my Netflix does n...
by TomatoTomahto
Fri Jul 18, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: Apple TV
Replies: 33
Views: 1899

Re: Tesla S

I don't like the Range Rovers quite as much as my wife does (I get her hand-me-downs). Our experience (knock wood) is that they are more reliable than their reputation would indicate. In bad weather, I'm not sure that there is any vehicle I'd rather be in. And, while getting new brake pads costs a f...
by TomatoTomahto
Wed Jul 16, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 506
Views: 49674

Re: Tesla S

Do you live in an area with lots of rain or snow? That probably will be the main factor pushing one towards a 4WD X. I live in northern NJ, and we have our weather moments. More specifically, the road to our house is on a hill, is seldom well plowed, and has two hilly and sharp turns that require c...
by TomatoTomahto
Wed Jul 16, 2014 7:36 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 506
Views: 49674

Re: LED bulb prices

Our house has a ton of recessed can lights (around 30), all BR30. And almost all are on dimmer switches. i'd be okay with CFLs, except dimmable CFLs seem to be quite expensive. Approaching LED level price. Anyone seen a good deal on them? Otherwise I'm looking at LEDs. Which I'd probably have to bu...
by TomatoTomahto
Tue Jul 15, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 118
Views: 13554

Re: Tesla S

... Other than the Tesla, my purchases are still pretty bogleheadish, even after becoming a parent. Still look for products that are safe, has good value, & lasts a long time. :D But yes, I understand what you mean by parent lifestyle change. Everything revolves around the child now, at least f...
by TomatoTomahto
Tue Jul 15, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 506
Views: 49674

Re: University of British Columbia - Vancouver?

I don't know if you're aware of this, but UBC requires an additional application when declaring some majors (in the case of Econ, the application is due after 54 credits (3rd year))... Oh, fiddlesticks. I did not know that until you pointed it out. So she has to be a junior before she can even appl...
by TomatoTomahto
Mon Jul 14, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: University of British Columbia - Vancouver?
Replies: 31
Views: 1724

Re: University of British Columbia - Vancouver?

I don't know if you're aware of this, but UBC requires an additional application when declaring some majors (in the case of Econ, the application is due after 54 credits (3rd year)). UBC is ranked among the top 20 schools for Economics (according to them, anyway), so it might be competitive. They ac...
by TomatoTomahto
Mon Jul 14, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: University of British Columbia - Vancouver?
Replies: 31
Views: 1724

Re: Tesla S

Congratulations semperlux. I have found that my purchases (and lifestyle) altered dramatically once I became a parent. As an aside, I had always thought that the Panamera was in the 150k+ range, and was surprised to see that it can be had for a more down-to-earth figure. That said, while I like the ...
by TomatoTomahto
Mon Jul 14, 2014 8:22 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 506
Views: 49674

Re: In a crash, will you re-balance to maintain your target

I generally rebalance with new money. I don't know if technically that's rebalancing. I don't know what we'll do once we're no longer accumulating.
by TomatoTomahto
Mon Jul 14, 2014 8:04 am
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4111

Re: High end purses

I've never bought an expensive pure for my wife, and she's never bought one either. But she does have one Coach her grandson gave her for Christmas a couple years ago. The kid saved up his own money from his part time job to pay for it. She only uses it on very, very special occasions. Of all the p...
by TomatoTomahto
Sat Jul 12, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 9947

Re: Undestanding the Vanguard Total Bond Market fund (VBMFX)

Wow! I'm a bit stunned. When I watch the national news at night on TV it always seems to mention the stock market but not the bond market. True enough, and they'll discuss it using the Dow as the benchmark. Listen to Bloomberg Surveillance otoh, and they'll discuss the Fed, job numbers, housing mar...
by TomatoTomahto
Thu Jul 10, 2014 11:14 am
 
Forum: Investing - Theory, News & General
Topic: Undestanding the Vanguard Total Bond Market fund (VBMFX)
Replies: 21
Views: 3979

Re: Disclosing Financial Position

I think that at the time when your planning goes out further than the next few weeks, discussing financial views is fine as is a general discussion of where you are financially. Later on, before the prenup, you can discuss details.
by TomatoTomahto
Wed Jul 09, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Disclosing Financial Position
Replies: 13
Views: 1163

Re: When do you "limit" saving and start to spend more?

First, let me be clear, we have no desire to retire at 50. But if health or other reasons forced us (likely only one of us, but let's play along with both of us), I think we could make it. Okay, my apologies, I did misunderstand -- I was under the impression that it was your goal to retire at 50 an...
by TomatoTomahto
Wed Jul 09, 2014 8:05 am
 
Forum: Personal Finance (Not Investing)
Topic: When do you "limit" saving and start to spend more?
Replies: 39
Views: 3833

Re: When do you "limit" saving and start to spend more?

[snip...] P.S. Putting money into CA coastal real estate can be considered a form of savings (but let's not start that one again), so maybe we didn't stop saving, we just used a different vehicle. And the house stayed up during the crash, although not as much up as it had been before the crash. Whe...
by TomatoTomahto
Tue Jul 08, 2014 5:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you "limit" saving and start to spend more?
Replies: 39
Views: 3833

Re: Do you tell your kids how much you make?

As with ess, eee, ecks, I think the thing is to answer questions directly and frankly, but not to volunteer information. Child asks Mom, "Mom, where did I come from?" Mom gently but accurately provides a 2-hour answer, starting with attraction and urges and leading into a full discussion ...
by TomatoTomahto
Sun Jul 06, 2014 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you tell your kids how much you make?
Replies: 58
Views: 5899

Re: Do you tell your kids how much you make?

I try to make it clear that we are very blessed. I was well trained, worked hard, and went to good schools, but I also had a great deal of good fortune. I know people who work a lot harder, or that seem a lot smarter, but that I out earn by a comfortable margin. YES! My kids have so many classmates...
by TomatoTomahto
Fri Jul 04, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you tell your kids how much you make?
Replies: 58
Views: 5899

Re: Eneloop batteries in smoke detectors

Bhsince87, we did the wired detectors after a renovation that crossed some threshold (SF or # rooms affected or something) and all of a sudden our 1920s house had a bunch of code to live up to, including connected detectors. I did the letter of the law plus a bit more. I think I'll steal your phrase...
by TomatoTomahto
Wed Jul 02, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1738

Re: Starting Retirement Investment in a Bull Market

I remember him buying a laptop specifically for day trading. Before the crash he was looking into yachts and after the crash, we got a backyard pool instead. Well, if you're going to be underwater, better in a pool than a yacht. Welcome to the forum. The problem with plowing money back into the bus...
by TomatoTomahto
Wed Jul 02, 2014 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting Retirement Investment in a Bull Market
Replies: 21
Views: 1815

Re: Eneloop batteries in smoke detectors

I know this is an ignorant question, but I assume when you replace the smoke detectors, though the wiring is likely simple and the same, the mounts for the new ones will likely be different (especially if the ones there are older) , so it may well involve ceiling repair, painting, etc.....not just ...
by TomatoTomahto
Wed Jul 02, 2014 10:51 pm
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1738

Re: How are you doing through the first half of 2014?

YTD, I'm up 5.0% (returns, not including contributions). My bonds returned only 3.34%, so that's what held back the overall results. Whatever, it's well beyond inflation.
by TomatoTomahto
Wed Jul 02, 2014 10:03 am
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9300

Re: Eneloop batteries in smoke detectors

Toons wrote:I use eneloop batteries in everything including smoke detectors, no problems whatsoever


I use Eneloop batteries in everything EXCEPT smoke detectors.
by TomatoTomahto
Tue Jul 01, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1738

Re: Accepting a check for an online transaction

sunnyday wrote:Everything seems legit

Well, you come by your username honestly :)

There are a few red flags. Did you sell this on eBay?
by TomatoTomahto
Mon Jun 30, 2014 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Accepting a check for an online transaction
Replies: 8
Views: 440

Re: Who do you talk with about your financial goals?

Around here, a McMansion makes up in size and splendor what it lacks in taste. Think Tony Soprano. Speaking of no drama, since I've never had cable, I have no idea how to "Think Tony Soprano", so I don't get the reference. Does he have something to do with Breaking Bed or Game of Thorns? ...
by TomatoTomahto
Sun Jun 29, 2014 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9003

Re: Who do you talk with about your financial goals?

There's a saying that my father used to tell me: "you think you know who your real friends are when things aren't going your way; nonsense -- you know who your real friends are when things are going great for you." I tell my wife what our finances are once a year (or whenever she asks, whi...
by TomatoTomahto
Sun Jun 29, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9003

Re: Who do you talk with about your financial goals?

[…] We live in a nice house (but below McMansion level) …. I'm trying to figure this out. We live in a McMansion, but it cost less than $200K. I thought the hallmark of a McMansion was that it was relatively cheap housing. I find it strange that you claim you are below McMansion level. How can that...
by TomatoTomahto
Sun Jun 29, 2014 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9003

Re: Want to Save Money? Be Polite!

It always amazes me how many people are rude to waiters, flight attendants, etc. and think that making a stink will get them free a free meal or an upgrade to a better seat. The person you are berating likely had nothing to do with creating the problem at hand, but may very well have the discretion...
by TomatoTomahto
Sat Jun 28, 2014 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6615

Re: Want to Save Money? Be Polite!

I think I'm polite but I'm not friendly. :( I think polite and "businesslike" is the way to go. If we're friendly, that's just leverage to extract more of our net worth out of us. I'm sorry that has been your experience. I find that very few people try to take advantage of friendliness, a...
by TomatoTomahto
Thu Jun 26, 2014 9:42 pm
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6615

Re: Am I Nuts?

Our neighbor planned to die in her house, so she did an expensive remodel that she would never be able to recoup the cost of, because the house was not worth that much and the remodel was a bit unusual. The market cratered, she lost the house, and moved to another state where the bank couldn't go a...
by TomatoTomahto
Thu Jun 26, 2014 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2726

Re: favorite mid/low-priced Caribbean locale?

midareff wrote:St. Maarten had great walkable beaches and seemed safe enough.


I prefer the French side (St. Martin), which might be a tad safer than the Dutch side. The food is very much better on the French side. If you like casinos and that kind of thing, you have to be on the Dutch side.
by TomatoTomahto
Thu Jun 26, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: favorite mid/low-priced Caribbean locale?
Replies: 30
Views: 3238

Re: Want to Save Money? Be Polite!

You obviously don't live in NJ. We're not trusted to pump our own gas. Oregon's the same way. No I don't live in NJ or OR. Here in Texas, full-service gas stations no longer exist. I'm not sure that what we have are "full-service," but you're not supposed to pump your own gas. There are, ...
by TomatoTomahto
Thu Jun 26, 2014 2:18 am
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6615

Re: Want to Save Money? Be Polite!

My family accuses me of having the human equivalent of a puppy's wagging tail. It is nearly always appreciated by the various clerks, waiters, cashiers, gasoline pumpers, etc. Gasoline pumpers? What's that? LOL You obviously don't live in NJ. We're not trusted to pump our own gas. I accidentally ty...
by TomatoTomahto
Wed Jun 25, 2014 9:47 am
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6615

Re: Want to Save Money? Be Polite!

My family accuses me of having the human equivalent of a puppy's wagging tail. It is nearly always appreciated by the various clerks, waiters, cashiers, gasoline pumpers, etc. that I encounter, and sometimes I get to say to the family: "scoff all you want, but that act of generosity/kindness/de...
by TomatoTomahto
Wed Jun 25, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6615

Re: Reducing Expenses for Future Family

I usually dislike these frugality threads, but hug401k, that's a great list.

OP, I personally have found that it's easier to increase income than to reduce expenses by the same amount. YMMV.
by TomatoTomahto
Tue Jun 24, 2014 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reducing Expenses for Future Family
Replies: 77
Views: 3084

Re: Quicken - Admiral Share Class Improvements?

I used the Mutual Fund Conversion feature a while ago. It seemed to work quite well, in spite of my having used Specific Lot (for sales in taxable). My recollection is that it took a while (meaning 20-30 seconds), and the screen was hopping, but it worked fine. It probably goes without saying, but d...
by TomatoTomahto
Tue Jun 24, 2014 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken - Admiral Share Class Improvements?
Replies: 9
Views: 664

Re: Retirement age for software engineers

I disagree with the posters who say there is some kind of irrational prejudice or ageism against older workers. I think there is a genuine decline in ability. I know that is painful to look at, but I believe it is a fact. If you are a software engineer, save lots of money and invest when you are yo...
by TomatoTomahto
Tue Jun 24, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9321

Re: Anyone own a Land Rover LR2?

I cannot comment on the particular model, but I just traded my 2012 Land Rover Sport for a Lexus. I will never ever buy a Land Rover product, I had 3 mechanical breakdowns with my LR Sport. We have always bought Toyota products and made the mistake of trying Land Rover, never again. Allan By compar...
by TomatoTomahto
Mon Jun 23, 2014 7:10 pm
 
Forum: Personal Consumer Issues
Topic: Anyone own a Land Rover LR2?
Replies: 7
Views: 637

Re: Help devising winning roulette system

I went to Las Vegas once for a conference (old timers might remember DECUS). A co-worker told me I should play roulette next to him. I had a girlfriend who had told me her lucky number. I played it with $20 and it came up. My co-worker told me to take the bet off the table, because the same number w...
by TomatoTomahto
Mon Jun 23, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 2994

Re: Interest-only mortgage & home-equity loan

I don't know the details, but IME public schools do a decent job with kids with "some learning issues."

There have to be some leaks in that boat. An interest-only loan for 11 years?!?!
by TomatoTomahto
Sun Jun 22, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interest-only mortgage & home-equity loan
Replies: 13
Views: 758
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