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Re: Is $700,000 enough to retire? Opinions please .

You say your husband's desire to retire is unexpected. You've been married long enough that you should know why. Find out why. It might make a difference in what you decide to do. I think there is more to the story, and his wife deserves to know. My gut instinct is that it's too early to retire, but...
by TomatoTomahto
Fri Oct 31, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 42
Views: 3591

Re: Strategy of 6M trusts meeting tonight. Few Q's

I should add that an investment manager who functions to hold the assets, place the money as directed, manage redemptions as needed, rebalance, provide accounting, and so on can be hired for much less than a financial adviser. Rick Ferri is an example. For that much in assets someone of that sort c...
by TomatoTomahto
Fri Oct 31, 2014 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Strategy of 6M trusts meeting tonight. Few Q's
Replies: 19
Views: 1206

Re: Should I buy more REITs?

You have an investment strategy which is a recipe for a 6 car train pile up at some point. Likely at the next stock market crash, but who knows? Well to be fair, he did put newb in the name :D I agree though. If OP thinks dips of 5%-10% are bad, what happens if REITs drop by 70% like they did a few...
by TomatoTomahto
Fri Oct 31, 2014 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 44
Views: 4039

Re: Should I buy more REITs?

You have an investment strategy which is a recipe for a 6 car train pile up at some point. Likely at the next stock market crash, but who knows? Well to be fair, he did put newb in the name :D I agree though. If OP thinks dips of 5%-10% are bad, what happens if REITs drop by 70% like they did a few...
by TomatoTomahto
Thu Oct 30, 2014 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 44
Views: 4039

Re: The safest 4 door sedan out there

The 2014 Volvo S60 cost $10,000 more than my Honda Accord in 2014 and it got lower scores........... http://www.thecarconnection.com/overview/volvo_s60_2014 This thread is about safety, and I doubt the Volvo got lower safety scores than your Honda Accord. Looks? Maybe. Gas mileage? Probably. But sa...
by TomatoTomahto
Thu Oct 30, 2014 10:35 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 70
Views: 3273

Re: What to do with 5M?

Well, yeah, because the vast majority of people don't have more than $17,500 (or even $5,500 in IRA) per year to invest. Thank you - this really helps a lot - obvious to the vast majority I'm sure but wasn't obvious to me! I think that BH might have a higher percentage of people who run out of tax ...
by TomatoTomahto
Thu Oct 30, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 27
Views: 2695

Re: The safest 4 door sedan out there

Maybe it's because I was having a lunch of reheated General Tzo's left over from last night, but I took it as funny. And, fair is fair, my Range Rover isn't a sedan either, so I was a bit OT.
by TomatoTomahto
Thu Oct 30, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 70
Views: 3273

Re: The safest 4 door sedan out there

While I'm sure they are safe, the idea that Mercedes and Volvo are the best is outdated. I find that surprising. Volvo for one places safety above most else factors. And it shows. XC90 is now 10 years old model and IIHS tested it for small overlap (which famously a lot of Japanese manufacturers fai...
by TomatoTomahto
Thu Oct 30, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 70
Views: 3273

Re: The safest 4 door sedan out there

I am not sure "stop on a dime considering their weight" is a known effect. Because Kinetic Energy is proportional to the square of the impact velocity, I've always believed that stopping ability has an outsized impact on vehicle safety. It is one of the reasons (I believe) active forward ...
by TomatoTomahto
Thu Oct 30, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 70
Views: 3273

Re: The safest 4 door sedan out there

I am not sure "stop on a dime considering their weight" is a known effect. Because Kinetic Energy is proportional to the square of the impact velocity, I've always believed that stopping ability has an outsized impact on vehicle safety. It is one of the reasons (I believe) active forward ...
by TomatoTomahto
Thu Oct 30, 2014 6:42 am
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 70
Views: 3273

Re: The safest 4 door sedan out there

Like jdb, I've liked Mercedes (I owned a 300E, back when the number preceded the letter). I think our Range Rovers have been safe cars. They're big and heavy, and can stop on a dime considering their weight (and it costs many dimes to replace the massive brake pads). Knock wood, they've been reliabl...
by TomatoTomahto
Wed Oct 29, 2014 11:54 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 70
Views: 3273

Re: A Challenge for Bogleheads - the market has changed

[snip]I also have recently just commenced my own Bogleheads investment journey. I have around 65k dollars to invest per year. I started in September, wheBn I bought some bonds and a Vanguard European ETF. To complete my 3-part portfolio, I want to invest in the S&P 500. But per the post I quote...
by TomatoTomahto
Wed Oct 29, 2014 8:26 am
 
Forum: Investing - Theory, News & General
Topic: A Challenge for Bogleheads - the market has changed
Replies: 50
Views: 4610

Re: What to do with 5M?

[...snip] 2) get rid of my financial manager once I work up the nerve. You will receive excellent advice here, as BH posters invariably provide. That aside, I was stopped in my reading tracks by the above quote. How did you grow a $5M company without having the nerve to fire a financial manager? Un...
by TomatoTomahto
Tue Oct 28, 2014 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 27
Views: 2695

Re: Quicken Transaction History

I think this will do it: How do I enter a share class conversion for a mutual fund? Updated: 1/14/2014 | Article ID: GEN82564 Open the account you want to use. Click Enter Transactions. In the Enter Transaction list, select Mutual Fund Conversion. Complete the form using the following information: E...
by TomatoTomahto
Tue Oct 28, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quicken Transaction History
Replies: 8
Views: 678

Re: Bogleheads.org equivalents for other areas of life?

MP173 wrote:For discussion of hockey - hockeyfutures.com

For discussion of railroading - trains.com

Stock market - seekingalpha.com

Ed


There is something broken in the hockey futures site. I will try again later and also using a different browser.

Great thread! Hockey AND fractals, what could be better?
by TomatoTomahto
Tue Oct 28, 2014 6:49 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 69
Views: 6733

Re: Retiring without any additional investments for 25 years

Are you assuming your portfolio will grow at 8% in real dollars? If not, find out what $600K will be at your real rate. I don't think 8% real is realistic at all. I wouldn't count on much more than 4% or 5% real, and I would probably use a range of 3% to 5% and make sure I would be OK on the low en...
by TomatoTomahto
Sun Oct 26, 2014 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring without any additional investments for 25 years
Replies: 20
Views: 2818

Re: Bogleheads.org equivalents for other areas of life?

Ken Schwartz wrote:This is ridiculously specialized, but http://www.fractalforums.com/ is a fantastic resource for folks interested in fractals (mathematical, computational, and artistic aspects).


Wonderful. Thanks. Sharing with my son.
by TomatoTomahto
Sun Oct 26, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 69
Views: 6733

Re: UGMA beneficiary trying to access funds

Lars,

I'm glad that your parents are doing better.

I wanted to thank you for providing an update. So many posters don't, and there are times when it feels like we get to watch many movies without ever getting to see how things wrap up.
by TomatoTomahto
Sun Oct 26, 2014 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: UGMA beneficiary trying to access funds
Replies: 29
Views: 2232

Re: Gross Yearly Income needed in Retirement (Speculation)

I don't mean to steal the thread, but just wondering for those who are in the "I can spend >120k per year with <3% withdrawal" or better why did you not retire earlier? I thought that my wife would have retired by now, but here's a shocker: she gets satisfaction from her job. She does not...
by TomatoTomahto
Sat Oct 25, 2014 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 12452

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: 1429

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: 556
Views: 61878

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: 2312

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: 3550

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: 159
Views: 12452

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: 3550

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: 3550

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: 3550

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: 2579

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: 409

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: 1944

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: 1944

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: 556
Views: 61878

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: 143
Views: 6840

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: 556
Views: 61878

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: 20913

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: 4116

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: 3742

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: 3742

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: 872

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: 872

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: 104
Views: 10935

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: 1821

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: 514

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: 514

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: 3742

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: 3742

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: 3742

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: 3742

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: 872
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