Search found 3960 matches

by TomatoTomahto
Thu Sep 03, 2015 10:40 pm
Forum: Personal Consumer Issues
Topic: Best Small Purchases (Around the house)
Replies: 35
Views: 1934

Re: Best Small Purchases (Around the house)

A good rice cooker (Zojirushi). I make oatmeal in it probably 4 times a week.
by TomatoTomahto
Thu Sep 03, 2015 9:52 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 29
Views: 4024

Re: Tesla X

I'm not buying it for business purposes.
by TomatoTomahto
Thu Sep 03, 2015 8:52 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 29
Views: 4024

Re: Tesla X

I think Tesla "anchored" the high cost of a Sig X in consumers' minds, and they'll be hard to get off that perception. I have no doubt that the car will be spectacular, but like jdb wish there were more transparency. For example, apparently the Sig buyers have no choice about 3rd row seats...
by TomatoTomahto
Thu Sep 03, 2015 6:41 pm
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 29
Views: 4024

Re: Tesla X

The first 25 Signature X reservations got to configure their cars on September 1. I hope to have mine (res # 6,xxx) in 2015. It appears that a Model X will cost $5k more than a similarly configured Model S.
by TomatoTomahto
Thu Sep 03, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 734
Views: 106579

Re: Tesla S

The first 25 Signature X reservations got to configure their cars on September 1. I hope to have mine (res # 6,xxx) in 2015. It appears that a Model X will cost $5k more than a similarly configured Model S.
by TomatoTomahto
Thu Sep 03, 2015 7:09 am
Forum: Personal Finance (Not Investing)
Topic: What to expect when you move to open relationship (with bank)?
Replies: 10
Views: 1267

Re: What to expect when you move to open relationship (with bank)?

So basically, there's not much of a relationship with your brick and mortar banks. For me, I like to keep my checking account with a company that has nice bill pay and online payment options. I haven't been in a branch location in ages, and I can't imagine you will need to either. I agree, except t...
by TomatoTomahto
Wed Sep 02, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: What to expect when you move to open relationship (with bank)?
Replies: 10
Views: 1267

Re: What to expect when you move to open relationship (with bank)?

We use 3 different banks. One because it's the closest ATM and had a cheap price on safe deposit boxes. One because my wife has been direct depositing pay checks there for 32 (wow, time flies!) years and we have our bills pretty well set up there for payment. I'd rather not re-type all those address...
by TomatoTomahto
Wed Sep 02, 2015 11:19 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 545
Views: 78134

Re: What are you up YTD? [Year To Date]

On my Vanguard (mostly taxable accounts), down 2.6% as of today. Too lazy to include other accounts; easy to look up Vanguard.
by TomatoTomahto
Wed Sep 02, 2015 8:41 am
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 37
Views: 3466

Re: New SUV, $50G, Pilot/Highlander/Other

I have to agree with the Volvo votes. We bought a 2013 XC60 and a 2015.5 XC60. The newer one is slightly better, but they are both fine vehicles. If I weren't chomping at the bit for my long-awaited Tesla SUV like the world's oldest teenager, I'd be putting my name on the XC90 waiting list; it's a ...
by TomatoTomahto
Wed Sep 02, 2015 8:36 am
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 37
Views: 3466

Re: New SUV, $50G, Pilot/Highlander/Other

I have to agree with the Volvo votes. We bought a 2013 XC60 and a 2015.5 XC60. The newer one is slightly better, but they are both fine vehicles. If I weren't chomping at the bit for my long-awaited Tesla SUV like the world's oldest teenager, I'd be putting my name on the XC90 waiting list; it's a g...
by TomatoTomahto
Wed Sep 02, 2015 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Take a 0.74% car loan or pay with cash?
Replies: 72
Views: 5034

Re: Take a 0.74% car loan or pay with cash?

OP, when presented with an opportunity for a low interest rate loan that wasn't bogus (ie, it wasn't a case of losing pricing power by accepting the loan; the price was the price), here is what we did. 1. We did not set aside the "saved" cash and invest it in a high interest checking accou...
by TomatoTomahto
Tue Sep 01, 2015 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Will my portfolio work? (sanity check)
Replies: 18
Views: 1196

Re: Will my portfolio work? (sanity check)

Lafder wrote:You will find some fans of 100% stocks, so there is not unanimous agreement.

I predict that, shortly, you will find fewer fans than you could find a few months ago :D To every thing, turn, turn, turn ...

Kudos to those who stick to their beliefs, but 20% bonds would still benefit them.
by TomatoTomahto
Mon Aug 31, 2015 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: What kind of average annual return should one expect?
Replies: 12
Views: 1347

Re: What kind of average annual return should one expect?

I have invested in VTTSX, or Vanguard Target Retirement 2060 Fund. I see performance listed at https://personal.vanguard.com/us/funds/snapshot?FundId=1691&FundIntExt=INT#tab=1 However, do these average annual returns take into account both fees and inflation? What kind of average annual return ...
by TomatoTomahto
Sun Aug 30, 2015 10:11 pm
Forum: Investing - Theory, News & General
Topic: "Buy" a Funded 529 Account from a Relative?
Replies: 21
Views: 1380

Re: "Buy" a Funded 529 Account from a Relative?

You are not crazy, but probably unwise to consider this. Renue74 has valid concerns, and there are probably more that our lawyer BHs can come up with.

I would want enough of a discount on the $100k that it wouldn't be worth it for the uncle. Politely decline.
by TomatoTomahto
Sun Aug 30, 2015 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Will my portfolio work? (sanity check)
Replies: 18
Views: 1196

Re: Will my portfolio work? (sanity check)

My reason for not holding bonds is that at my current contribution rates my portfolio is growing at over a 50% annual rate from contributions alone. I am deferring adding bonds once I have at least $100-500k. Will your portfolio work? Maybe yes, maybe no. At this early stage, where you are contribu...
by TomatoTomahto
Sat Aug 29, 2015 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Joint finances and cash management
Replies: 38
Views: 2823

Re: Joint finances and cash management

We check with each other gently to see if large expenditures are "over the top." I don't think that we'd ever veto anything; in any case we never have. But, even in a long-term relationship where you already know the answer, there's a place for courtesy and consideration.
by TomatoTomahto
Sat Aug 29, 2015 9:27 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 123
Views: 6796

Re: Aug 2015 correction: what Bogleheads did...

I don't re-balance on a set calendar basis. I bought more TSM when DW's tIRA was officially emptied of assets (into new employer's 401k) so that we could back door Roth. I bought $75k of TSM, which follows a relaxed schedule to have our emergency fund diminish in size in the time between bonuses. We...
by TomatoTomahto
Sat Aug 29, 2015 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Dear In-Laws: Less toys, more 529
Replies: 70
Views: 6560

Re: Dear In-Laws: Less toys, more 529

What is your wife's view on this? I assume that she knows her parents well enough to know they won't be buying drugs (nicotine is a drug, fwiw) for the kids.

I expect you'll tell me to buzz off, but I have the strong sense that control is a frequent topic in your household.
by TomatoTomahto
Fri Aug 28, 2015 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Dear In-Laws: Less toys, more 529
Replies: 70
Views: 6560

Re: Dear In-Laws: Less toys, more 529

I would not appreciate an in-law telling me how to spend my money. I might take it better from my child, but it still would not make me happy. If they feel I'm spoiling the child, that's a different conversation. That said, I would not punish the grandchild for their parents' presumption, and would ...
by TomatoTomahto
Fri Aug 28, 2015 9:57 am
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 44
Views: 5097

Re: Floss aversion

Munir wrote:Dental tape. It does not break. Saves money :D .


I had never noticed that your avatar shows hands twirling dental floss before a cleaning session. That was prescient to have chosen that avatar so long before this thread (pun intended).
by TomatoTomahto
Thu Aug 27, 2015 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Joint finances and cash management
Replies: 38
Views: 2823

Re: Joint finances and cash management

We have one joint checking account, and each have separate checking accounts also (which we seldom use, but it makes for a cleaner distinction when I am spending money on behalf of my two children from a previous marriage). For 99+% of our transactions, they go through the joint account or her legac...
by TomatoTomahto
Thu Aug 27, 2015 9:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383702

Re: U.S. stocks in freefall

How nice, "U.S. stocks in freefall" is a regular "Lake Wobegon". :wink: I might have to start a new thread about my attempts to have an average return, and failing. I'm roughly 50/50, which means that my gains are lower than average, but I don't find the losses reduced much by m...
by TomatoTomahto
Thu Aug 27, 2015 9:13 am
Forum: Investing - Theory, News & General
Topic: BNY Mellon's "glitch," sounds very serious to me
Replies: 38
Views: 4559

Re: BNY Mellon's "glitch," sounds very serious to me

Levett wrote:So far, this is my favorite usage (used by T D Ameritrade). "Glitch" and "snag" just won't do.

Behold: "industry-wide latency issues." No kidding. :oops:

Lev


It's a drag when those millisecond latencies turn into multi-hour latencies. :oops:
by TomatoTomahto
Thu Aug 27, 2015 9:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383702

Re: U.S. stocks in freefall

Given what has happened this week, here's a totally crazy idea - I am starting to question if there is some final manipulation going on before the end-of-the-month contributions go in. Does everyone contribute at the same time, to make that work? Uncle Pennybags, not only didn't I sell, but I added...
by TomatoTomahto
Thu Aug 27, 2015 7:51 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383702

Re: U.S. stocks in freefall

Kids, we've come to a place where talking about the weather is the beginning of a political discussion. Our hosts, for good reason, don't allow that. Let's please be mindful of that, and let the only heat generated here be about the markets.
by TomatoTomahto
Thu Aug 27, 2015 7:48 am
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 44
Views: 5097

Re: Floss aversion

In the end, flossing regularly is what is important. I used to have a waterpik, but I was scolded that it's not as good as flossing. If I had to pick between not flossing or using a waterpik, I'd be single. You're a smart man :D My hygienist (with whom I have a purely platonic but long-term relatio...
by TomatoTomahto
Wed Aug 26, 2015 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Does anticipated federal rate hike affect savings/HSA account choices today?
Replies: 3
Views: 352

Re: Does anticipated federal rate hike affect savings/HSA account choices today?

I don't like to make predictions, but that anticipated rate hike, which might be delayed, is expected to be 0.25%. I predict it won't matter in your choice of HSA custodian.
by TomatoTomahto
Wed Aug 26, 2015 10:10 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383702

Re: U.S. stocks in freefall

Is that when the chart looks like a squirrel sitting on a clown's solder? Post of the day, and it's not quite noon yet. I can stop reading now, because I am completely fulfilled, and I have to drive DS to college. I won't have the radio on, but have instructed DW to text me if the market goes down ...
by TomatoTomahto
Wed Aug 26, 2015 8:32 am
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 44
Views: 5097

Re: Floss aversion

http://www.amazon.com/dp/B000UWAWQU/ref=sr_ph_1?m=ADID9P55NVR25&ie=UTF8&qid=1440595748&sr=sr-1&keywords=water+pik Waterpik cordless waterflosser It had a profound effect on the health of my gums (I think the benefits of flossing are sufficiently non-controversial to allow this statem...
by TomatoTomahto
Mon Aug 24, 2015 4:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383702

Re: U.S. stocks in freefall

UADM, for the record, it doesn't matter to me whether you're telling the truth or not. Truly.

If you have something to contribute other than war stories, or how you're more clever than others here, I'm all ears.
by TomatoTomahto
Mon Aug 24, 2015 4:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383702

Re: U.S. stocks in freefall

Funny, when I say that I'm dumb as a sack of hammers and lost the equivalent of a Tesla or two over the past couple of days, nobody disbelieves me. :oops: I guess the likelihood that I'm lying is greater if my narrative has me as the super-hero. But, even if I were, it wouldn't be right to rub it in...
by TomatoTomahto
Mon Aug 24, 2015 11:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383702

Re: U.S. stocks in freefall

Anybody who didn't know this stock market downdraft was coming just hasn't been paying attention. You've been posting doom and gloom posts for the past 3 years... But I'm glad you're happy that you're right for once. Still doesn't make you an expert predictor, and it still doesn't make it easy to p...
by TomatoTomahto
Mon Aug 24, 2015 8:31 am
Forum: Investing - Theory, News & General
Topic: New Investors - First Correction?
Replies: 45
Views: 4048

Re: New Investors - First Correction?

I am a new investor (well, I've been investing for 11 months now). I feel excited by these events. Positively excited. In fact, I have an itchy finger. This is probably not good - I'm asking myself: "Should I invest my emergency fund?" A resounding NO. "Should I sell some or all of m...
by TomatoTomahto
Mon Aug 24, 2015 8:26 am
Forum: Investing - Theory, News & General
Topic: Market will open down another 5%.
Replies: 4
Views: 838

Re: Market will open down another 5%.

There's sometimes a bounce after the future forecast takes effect. Will be interesting to see if that happens today or if things proceed further downwards to a 7% or 8% decline at closing. Also, we may need to coin supplemental terminology to RBD. I'm thinking EWD = Even Worse Day... I'm hoping tha...
by TomatoTomahto
Mon Aug 24, 2015 8:10 am
Forum: Investing - Theory, News & General
Topic: Market will open down another 5%.
Replies: 4
Views: 838

Re: Market will open down another 5%.

It's not a big deal, but we are going to follow through on our delayed backdoor Roth today and tomorrow. A small percentage of our portfolio, but it's something. Next big investment will not be for another few months (EOY bonus).
by TomatoTomahto
Mon Aug 24, 2015 7:57 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383702

Re: U.S. stocks in freefall

As a newer investor who dumped his entire net worth into a 80/20 portfolio over the past few months this definitely doesn't feel very good -_- If it always felt good, everyone would be doing it. The reason you generally make money at this is that there's always the small nagging fear that it will b...
by TomatoTomahto
Sun Aug 23, 2015 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to hold cash in Roth IRA?
Replies: 12
Views: 821

Re: Is it possible to hold cash in Roth IRA?

So in a nutshell, what's the best way to backdoor $2,250 from traditional IRA to Roth IRA money market fund. I would then use the $2,250 when the market goes more south. Everyone seems fixated on what the minimum amount in a money market is, and the fact that market timing is lurking in OP's plan. ...
by TomatoTomahto
Sun Aug 23, 2015 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to hold cash in Roth IRA?
Replies: 12
Views: 821

Re: Is it possible to hold cash in Roth IRA?

How much is in your tIRA? Is it all non-deductible contributions?
by TomatoTomahto
Sun Aug 23, 2015 12:41 pm
Forum: Investing - Theory, News & General
Topic: Loss in portfolio makes me spend more, do you ?
Replies: 30
Views: 2585

Re: Loss in portfolio makes me spend more, do you ?

Now that I think about it, I do remember a time (in 2008 or 2009) where I decided that the additional money I had invested during that time would probably have been better served by just being wasted on fluff, as my neighbors seemed to be doing. The feeling didn't last long, and I don't remember act...
by TomatoTomahto
Sat Aug 22, 2015 3:33 pm
Forum: Investing - Theory, News & General
Topic: Loss in portfolio makes me spend more, do you ?
Replies: 30
Views: 2585

Re: Loss in portfolio makes me spend more, do you ?

Yep, makes me want to go out and buy a Tesla. :sharebeer :sharebeer :sharebeer I placed a deposit on the Tesla earlier (ie, I was planning on spending that money). All I said was that I was pleased to get your stamp of approval. Full disclosure: I must have miscalculated, because my net loss yester...
by TomatoTomahto
Sat Aug 22, 2015 2:22 pm
Forum: Investing - Theory, News & General
Topic: Loss in portfolio makes me spend more, do you ?
Replies: 30
Views: 2585

Re: Loss in portfolio makes me spend more, do you ?

I find that interesting. We probably spend more when DW gets a bonus, or we have a great month in the markets (the famous "wealth effect"). Tbh, after the past week or two, I did not have a hankering to go out and spend beyond what I had planned on spending. ETA: scone, the smiley reassure...
by TomatoTomahto
Sat Aug 22, 2015 2:19 pm
Forum: Investing - Theory, News & General
Topic: What to do w/450K in cash?
Replies: 32
Views: 4302

Re: What to do w/450K in cash?

DW and I are older than you with a similarly sized portfolio. If your living space is tight, I'd upgrade housing. We have 5,000 SF, but with an empty nest imminent, we will probably relocate sometime in the next year or two. RE? Why? I'd personally lump sum it into whatever needs some rebalancing fu...
by TomatoTomahto
Fri Aug 21, 2015 5:38 pm
Forum: Investing - Theory, News & General
Topic: Where are you in the cycle of market emotions?
Replies: 63
Views: 5522

Re: Where are you in the cycle of market emotions?

Tbh, while I've said to my wife that I want her to retire, weeks like this make me thankful that she has ignored me and continues to bring in $. We would still be fine, but the selfish me realizes that the pressure is off with her bringing in money. Fwiw, I'm not a horrible husband (she enjoys worki...
by TomatoTomahto
Fri Aug 21, 2015 3:30 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 545
Views: 78134

Re: What are you up YTD? [Year To Date]

grettman wrote:...quiet in here today....

Funny that :D
by TomatoTomahto
Fri Aug 21, 2015 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Woot woot! Company is moving 401k Plans!
Replies: 12
Views: 1433

Re: Woot woot! Company is moving 401k Plans!

Woot woot! Is right.

Congratulations.
by TomatoTomahto
Fri Aug 21, 2015 3:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383702

Re: U.S. stocks in freefall

Interesting timing. My wife and I talked and she is more conservative than I am. Anyway, WR decided to chane the aa from 80/20 to 65/35. Wouldn't do so now lock in losses? Yes, and deciding to change asset allocation on a day like today really means that it was far too aggressive for you in the fir...
by TomatoTomahto
Fri Aug 21, 2015 3:19 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10150

Re: anyone treating this as an RBD (really bad day)

Sheepdog wrote:Well, it appears that the bond market is up again today (30 year treasury interest rates down).

My AA is roughly 50/50, but the handful of bps that bonds were up didn't do much to offset the equities decline. But,we're still in the accumulation phase, so who's complaining?
by TomatoTomahto
Fri Aug 21, 2015 3:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383702

Re: U.S. stocks in freefall

scone wrote:^ Counting the digits to the right if the decimal? :D


Not unless you'll sell me a Tesla for $1,000.00.
by TomatoTomahto
Fri Aug 21, 2015 2:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383702

Re: U.S. stocks in freefall

Livesoft frequently says not to purchase a car that costs more than the amount you gain or lose on a day. It's early, but it appears that we will be suffering a six digit loss today, so I can purchase my Tesla with Livesoft's stamp of approval. :oops:

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