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Re: A friend asked about about resignation timing, but IANAL

I would obey the last blackout in January. Once he's away from the company for a few weeks I don't think new blackouts (starting after his termination date) would apply. But reading the paperwork is the best way to know for sure. If the brokerage account is a subsidiary of his employer and they are...
by TomatoTomahto
Sun Nov 23, 2014 1:37 am
 
Forum: Personal Finance (Not Investing)
Topic: A friend asked about about resignation timing, but IANAL
Replies: 13
Views: 960

Re: A friend asked about about resignation timing, but IANAL

Larry Ellison, classy always. Those bonuses are rounding error to him.
by TomatoTomahto
Sat Nov 22, 2014 11:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: A friend asked about about resignation timing, but IANAL
Replies: 13
Views: 960

Re: A friend asked about about resignation timing, but IANAL

Downshiftme, it's a very tricky form of golden handcuffs that my wife and I were also subject to. In our cases, we had roughly a year's comp deferred in three separate tranches at any given time. For another firm to hire you away right after vesting would cost them approximately an additional year's...
by TomatoTomahto
Sat Nov 22, 2014 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: A friend asked about about resignation timing, but IANAL
Replies: 13
Views: 960

Re: A friend asked about about resignation timing, but IANAL

Whenever I have left an employer, I have always given notice AFTER the last relevant date for any bonus compensation due me. If he takes that advice literally, he could never resign, as every year additional three-year vesting gets added to his "bonus compensation due," roughly at the sam...
by TomatoTomahto
Sat Nov 22, 2014 10:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: A friend asked about about resignation timing, but IANAL
Replies: 13
Views: 960

Re: HSA vs 401K

I don't think it is suboptimal, unless you are maxing out 401K and Roth and still have enough after-tax money to pay the bills while leaving the HSA alone. We do have enough to do that, but the HSA goes into taxable saving not spending. My wife is in her peak earning years at a time where the mortg...
by TomatoTomahto
Sat Nov 22, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA vs 401K
Replies: 16
Views: 1007

Re: A friend asked about about resignation timing, but IANAL

bottlecap wrote:Vested typically means it's yours, even if it hasn't posted to your account. I'd check the documents in question to be sure.

JT


That was my thought also. He's looking for the paperwork :oops: For obvious reasons, he doesn't want to ask HR for a copy :D
by TomatoTomahto
Sat Nov 22, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: A friend asked about about resignation timing, but IANAL
Replies: 13
Views: 960

Re: A friend asked about about resignation timing, but IANAL

I have absolutely no idea. With that being said, is the job that bad? What's the downside to waiting around until Feb. 1 just to be sure? The job isn't that bad, but he's looking forward to the new one. Since he's on a 90-day notice contract, he has to wait a long time (as he puts it, for-f'in-ever...
by TomatoTomahto
Sat Nov 22, 2014 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: A friend asked about about resignation timing, but IANAL
Replies: 13
Views: 960

A friend asked about about resignation timing, but IANAL

I'm not a lawyer, but nevertheless, a friend reached out to me on this question, and I am in turn reaching out to you BHs. He has a job offer and wants to resign at the earliest safe time (ie, to not be cheated out of some deferred compensation). His deferred compensation that is stock-based will ve...
by TomatoTomahto
Sat Nov 22, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: A friend asked about about resignation timing, but IANAL
Replies: 13
Views: 960

Re: HSA vs 401K

But there is something very beautiful in receipt keeping. You can retroactively use unused receipts to take money out without paying taxes! In principle, yes. For reasons extraneous to this thread, we will only have a two-year accumulation of HSA money, so a lowish 5-digit amount. Quite likely I wi...
by TomatoTomahto
Sat Nov 22, 2014 8:03 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA vs 401K
Replies: 16
Views: 1007

Re: HSA vs 401K

I agree generally, but two points to consider: 1. The FICA bypass is only useful for people making less than the cutoff 2. There are receipt-keeping requirements, especially if your HSA grows 10x as your example indicates. Coming up $5500 in medical is not usually a problem, but if your HSA grows to...
by TomatoTomahto
Fri Nov 21, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA vs 401K
Replies: 16
Views: 1007

Re: Heads up best reward credit card I've seen.

Back when both kids were playing travel hockey and going to a private school, we racked up the miles also.

I like my Amex Blue Preferred too, especially in conjunction with a Fido 2%, Amazon Visa for Amazon, and PenFed for gas.
by TomatoTomahto
Tue Nov 18, 2014 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 5900

Re: 75w LED bulb in a 60w socket?

While LED uses a lot less power than a regular bulb, it can generate a bit of heat. Notice that the cooling fin on the bulb? Check the package to see if the bulb indicate that it should not be used in an enclosed space. On the plus side, the led bulb probably doesn't generate so much heat that it w...
by TomatoTomahto
Mon Nov 17, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: 75w LED bulb in a 60w socket?
Replies: 14
Views: 1965

Re: Warren Buffett:Stocks Are In a Zone of Reasonable

Thank you for that, JoMoney.

Not that he has all the answers, but he's got more than the average palooka, so I listen to him (and own some BRK).
by TomatoTomahto
Sat Nov 15, 2014 11:16 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett:Stocks Are In a Zone of Reasonable
Replies: 5
Views: 1235

Re: Question about closing a position - dividends and tax im

It is not what you asked about, but this might be a reason to not automatically reinvest dividends (but rather to send them to a MM account). I do it to make rebalancing easier.
by TomatoTomahto
Sat Nov 15, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about closing a position - dividends and tax implic
Replies: 4
Views: 374

Re: Father of eight hasn’t saved a penny for college

Hold the presses! Someone who has a book coming out in a couple of months is in a controversial media story! No, can't be, has never happened before.

Carry on. Nothing to see here.
by TomatoTomahto
Fri Nov 14, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Father of eight hasn’t saved a penny for college
Replies: 47
Views: 2656

Re: Isn't everybody here market timing, by definition?

By your reasoning, I'm "death timing," because I was born at a time and will die at a time.
by TomatoTomahto
Fri Nov 14, 2014 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: Isn't everybody here market timing, by definition?
Replies: 32
Views: 1885

Re: Winter Coat

A year ago, my son bought a Columbia coat/jacket that had an inner reflective layer. I admonished him that it was much too light for a NE winter. Well, there was something magical in that coat, because he was toasty while I felt cold. They say every generation is supposed to be smarter than the prev...
by TomatoTomahto
Fri Nov 14, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 51
Views: 4344

Re: Parents can be forced to pay college tuition in NJ?

I got divorced in NJ. I don't know if it's common elsewhere, but my attorney told me that in NJ, new judges are put in Family Court to learn the ropes. We got one of those, and he didn't have an ounce of sense when it came to divorce. Might have been a genius elsewhere, but dangerous in Family Court.
by TomatoTomahto
Fri Nov 14, 2014 9:02 am
 
Forum: Personal Consumer Issues
Topic: Parents can be forced to pay college tuition in NJ?
Replies: 31
Views: 1869

Re: TWO home internet connections with two ISPs

Yes. Just run the new system wireless and you are golden. I used to be married to wired connections. Wireless has become so much better in the last few years we now are completely wireless. Makes life simpler, and who can improve on simple for background issues like connectivity What about when the...
by TomatoTomahto
Wed Nov 12, 2014 11:22 am
 
Forum: Personal Consumer Issues
Topic: TWO home internet connections with two ISPs
Replies: 19
Views: 1125

Re: If your networth is over $3 million, how did you do it?

I married up. She makes the money, I manage the money, and we pick and choose in which areas to spend a lot and in which to LBYM.
by TomatoTomahto
Tue Nov 11, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 244
Views: 22068

Re: Dealer wants my 2011 Prius, what should I do?

I fell, once, for the real estate version of this (we have a family who is interested in buying your home). Noise.
by TomatoTomahto
Mon Nov 10, 2014 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Dealer wants my 2011 Prius, what should I do?
Replies: 16
Views: 2023

Re: For the next year or so, why shouldn't we be in all-cas

In a year, you might be a hero or a goat.

What special sauce have you got that all the bright kids with their supercomputers haven't got?

Good luck.
by TomatoTomahto
Mon Nov 10, 2014 6:24 pm
 
Forum: Investing - Theory, News & General
Topic: For the next year or so, why shouldn't we be in all-cash?
Replies: 54
Views: 6706

Re: What about non-U.S. colleges?

A college degree is mainly used to impress future employers. What do you think most hiring managers will do when they receive a resume that includes a degree from a foreign institution that they have no knowledge of? Not to be snarky, but if the hiring manager hasn't heard of the schools mentioned ...
by TomatoTomahto
Mon Nov 10, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: What about non-U.S. colleges?
Replies: 47
Views: 3895

Re: Does this situation warrant an immediate annuity?

For some reason people think there are products that will make up for a lifetime of not saving. I'd agree that it maybe too soon to retire and ones health/longevity should be considered. I wonder why that is? Every now and then someone will come to me and, basically, give me a story of "I didn...
by TomatoTomahto
Sun Nov 09, 2014 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does this situation warrant an immediate annuity?
Replies: 27
Views: 2107

Re: Collision claim on new auto policy - problems

I always call the police and file a report. Let the other driver lie to the police if he's so inclined.
by TomatoTomahto
Fri Nov 07, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Collision claim on new auto policy - problems
Replies: 21
Views: 1533

Re: Index Fund Return Assumptions

Are those returns real or nominal?

I always use pessimistic returns, because I prefer my surprises to be positive ones. I am okay with 0% real returns, and delighted with 2% real.
by TomatoTomahto
Thu Nov 06, 2014 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Index Fund Return Assumptions
Replies: 7
Views: 502

Re: Scan my books to PDF?

Are the books available in the Google Books Library Project?
by TomatoTomahto
Thu Nov 06, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Scan my books to PDF?
Replies: 8
Views: 919

Re: Anyone use finance s/ware Quicken/MoneyDance etc ?

Thank You Everyone. I'll be doing some more research although my wife just gave me her old copy of Quicken Home and Business 2008. I'm checking it out - although it doesn't seem to work too well. I'm on Windows by the way. One of the unpleasant parts of Quicken is that they hobble the software afte...
by TomatoTomahto
Thu Nov 06, 2014 6:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use finance s/ware Quicken/MoneyDance etc ?
Replies: 23
Views: 1132

Re: Anyone use finance s/ware Quicken/MoneyDance etc ?

The only thing worse than Quicken is everything else.
by TomatoTomahto
Wed Nov 05, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use finance s/ware Quicken/MoneyDance etc ?
Replies: 23
Views: 1132

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

Bustoff wrote:cararo,

You might find ESPlanner helpful. The basic version is free.


I had been feeling like a shill for recommending the software :D so I generally hold off. I agree 100%, and find it quite useful. Ditto the same company's http://www.MaximizeYourSocialSecurity.com software.
by TomatoTomahto
Sun Nov 02, 2014 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 86
Views: 12469

Re: Investing in Art, Antiques, and Collectibles and wines

A friend of ours had an extensive and expensive wine collection. After 9/11, when we all lost many friends and co-workers, he said he realized that wine is for drinking and not collecting, and he began drinking (responsibly) with his evening meal.
by TomatoTomahto
Sun Nov 02, 2014 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Art, Antiques, and Collectibles and wines
Replies: 53
Views: 3758

Re: Investing in Art, Antiques, and Collectibles and wines

It is perhaps sad, but nevertheless the case, that fans of antiques are dying off (or have all the antiques that they can use) faster than new fans develop. Many young consumers, even affluent ones, have no interest in anything that you can't get at Pottery Barn. Ditto collectibles.
by TomatoTomahto
Sat Nov 01, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Art, Antiques, and Collectibles and wines
Replies: 53
Views: 3758

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 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 86
Views: 12469

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 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Strategy of 6M trusts meeting tonight. Few Q's
Replies: 64
Views: 5794

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 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 45
Views: 5055

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 10:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 45
Views: 5055

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 9:35 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4533

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 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 27
Views: 2834

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 12:33 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4533

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 10:06 am
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4533

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 9:55 am
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4533

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 5:42 am
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4533

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 10:54 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4533

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 7:26 am
 
Forum: Investing - Theory, News & General
Topic: A Challenge for Bogleheads - the market has changed
Replies: 53
Views: 6756

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 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 27
Views: 2834

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 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quicken Transaction History
Replies: 8
Views: 723

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 5:49 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7586

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 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring without any additional investments for 25 years
Replies: 20
Views: 2878

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 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7586
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