Search found 3763 matches

by TomatoTomahto
Thu Jul 02, 2015 6:11 pm
Forum: Investing - Theory, News & General
Topic: Beginner
Replies: 7
Views: 322

Re: Beginner

We put new money in a VG account with a similar asset allocation to our retirement funds, but rather than Total Bond we use Tax Free bond funds. We also have our emergency fund in a VG tax free MM, and that grows right after my wife's bonus and declines a fair bit during the year as it gets spent on...
by TomatoTomahto
Thu Jul 02, 2015 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to predict state taxes to help decide where to live
Replies: 20
Views: 1471

Re: How to predict state taxes to help decide where to live

States also differ greatly on how they treat inheritance and estate taxes.
by TomatoTomahto
Wed Jul 01, 2015 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling from Vanguard to another institution - unsatisfactory service
Replies: 16
Views: 1198

Re: Rolling from Vanguard to another institution - unsatisfactory service

whaleknives wrote:[snip...] but I haven't wanted to talk to anyone for a long time.

That's exactly how I felt this afternoon. :annoyed
by TomatoTomahto
Wed Jul 01, 2015 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with gifts for baby daughter
Replies: 13
Views: 832

Re: What to do with gifts for baby daughter

Nobody is going to hunt you down like a rabid dog for this, but I believe that the money is technically hers (unless it was gifted to you), so you should put it in a UTMA for her. A 529 in her name (not yours with her as beneficiary) would also be fine.
by TomatoTomahto
Wed Jul 01, 2015 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling from Vanguard to another institution - unsatisfactory service
Replies: 16
Views: 1198

Re: Rolling from Vanguard to another institution - unsatisfactory service

I guess my ignorance was in considering it a rollover rather than a distribution (as in "trustee-to-trustee rollover"). I think that the PDF (first 10 pages) will enable me to get a check, which in turn can be sent with the 401k's forms to the 401k. I have been a steadfast supporter of Van...
by TomatoTomahto
Wed Jul 01, 2015 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling from Vanguard to another institution - unsatisfactory service
Replies: 16
Views: 1198

Re: Rolling from Vanguard to another institution - unsatisfactory service

I did this a few months ago. I believe this is what you're looking for: https://personal.vanguard.com/pdf/0032t.pdf However, you should start by finding out the process required by your current 401(k) administrator. You may need to fill out some of their forms and follow their instructions when fil...
by TomatoTomahto
Wed Jul 01, 2015 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling from Vanguard to another institution - unsatisfactory service
Replies: 16
Views: 1198

Re: Rolling from Vanguard to another institution - unsatisfactory service

You can't find the forms because financial companies are under the deluded notion that the hurdles to make transfers out difficult create some benefit greater than the irritation it causes. By far the exception is fidelity who transfers money out very efficiently, and wins fans in the process. I'm ...
by TomatoTomahto
Wed Jul 01, 2015 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling from Vanguard to another institution - unsatisfactory service
Replies: 16
Views: 1198

Re: Rolling from Vanguard to another institution - unsatisfactory service

This thread is now in the Personal Finance (Not Investing) forum (IRA rollover). I didn't see any forms for transferring out of Vanguard, but I also didn't see any forms for transferring out of Fidelity, either.* It's probably a lot easier on the companies to go in this direction. The transfer proc...
by TomatoTomahto
Wed Jul 01, 2015 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling from Vanguard to another institution - unsatisfactory service
Replies: 16
Views: 1198

Re: Rolling from Vanguard to another institution - unsatisfactory service

I suspect the form is one created by the 401(k) and not by Vanguard. Is there something special about 401k versus IRA? The first transaction was a push (401k -> IRA), now they want a pull (401k <- IRA). Is the rule that the 401k drives? I will ask my wife to call the 401k, and perhaps the Flagship ...
by TomatoTomahto
Wed Jul 01, 2015 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling from Vanguard to another institution - unsatisfactory service
Replies: 16
Views: 1198

Rolling from Vanguard to another institution - unsatisfactory service

My wife recently rolled part of her 401k to Vanguard (part to a Roth IRA, part to a Traditional IRA). I called today to get a check for the tIRA portion so that it can be rolled into my wife's new 401k (in order to resume Backdoor Rothing). Our flagship rep wasn't there, so I spoke with another rep....
by TomatoTomahto
Wed Jul 01, 2015 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to predict state taxes to help decide where to live
Replies: 20
Views: 1471

Re: How to predict state taxes to help decide where to live

Yes, The " No Income Tax States" should really be called the " Regressive Tax States" when you take in account the ENTIRE taxing structure. Yup, You get what you pay for. I generally with that, but in New Jersey I am hard pressed to think that I get what I'm paying for. Well, I ...
by TomatoTomahto
Wed Jul 01, 2015 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 105
Views: 4528

Re: Obsessing towards zero balance on credit card.

Thank you for all the replies. I just set the auto pay to pay in full a moment ago. I didn't know that was an option actually. Now I will restrict looking, mostly just to get over my bad self... :) No OCD here, as, I would hope, is evidenced by the fact that I'm going to stop over-checking/paying o...
by TomatoTomahto
Tue Jun 30, 2015 12:54 pm
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 33
Views: 4117

Re: Amazon getting too smart?

BTW, if you're a Prime user, be sure to take advantage of the Amazon Store Card. 5% back on most Amazon purchases (at least that's the deal that was offered to me, per my shopping habits). Absurd interest rate, but I if you pay credit card interest, you probably don't post here. I have the Amazon c...
by TomatoTomahto
Tue Jun 30, 2015 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 54
Views: 3256

Re: Unknown phone calls

Igglesman wrote:NOMOROBO type nomorobo into your web browser and sign up for the best way I have found to stop robo-calls. Note this does not work for all customers, so read the notes.

I get few calls now, but they still show up some times. I do miss Rachel from card services :wink:
by TomatoTomahto
Mon Jun 29, 2015 5:41 pm
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 33
Views: 4117

Re: Amazon getting too smart?

BTW, if you're a Prime user, be sure to take advantage of the Amazon Store Card. 5% back on most Amazon purchases (at least that's the deal that was offered to me, per my shopping habits). Absurd interest rate, but I if you pay credit card interest, you probably don't post here. I have the Amazon c...
by TomatoTomahto
Mon Jun 29, 2015 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Timing??
Replies: 3
Views: 469

Re: Mutual Fund Timing??

Actually, today is probably a great time to do so, as the market had a pretty bad day :D

Sale!
by TomatoTomahto
Mon Jun 29, 2015 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Confusion about Roth IRA income contribution limit
Replies: 18
Views: 960

Re: Confusion about Roth IRA income contribution limit

...but are you aware whether RSU's are also included in W2...


RSUs are included in W2s in the tax year that they vest, not the year in which they are granted. Their value is also determined on the vesting day, not the grant day.
by TomatoTomahto
Mon Jun 29, 2015 6:51 am
Forum: Personal Consumer Issues
Topic: Caribbean vacation recommendations
Replies: 32
Views: 2602

Re: Caribbean vacation recommendations

Take a look at St. Martin. I stayed in Grand Case with my girlfriend at Bleu Emeraude: http://bleuemeraude.com/ Quite area. Local food within walking distances. Calm water on the beach. We've often stayed at the Grand Case Beach Club. The French side of the island is laid-back and wonderful. The Du...
by TomatoTomahto
Fri Jun 26, 2015 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Personal accounting software
Replies: 23
Views: 2913

Re: Personal accounting software

Ally, I haven't had any glitches with 2 BoA accounts. Have you tried deactivating online access in Quicken and then activating? Fwiw, that works better for me than the "Reactivate" in one step button; it takes a minute longer, but works every time.
by TomatoTomahto
Fri Jun 26, 2015 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Tech jobs - is job-hopping the best way to get ahead?
Replies: 89
Views: 11375

Re: Tech jobs - is job-hopping the best way to get ahead?

The other moral of the story is to never work in software at a non-software company. It sucks. This is true more generally. If you work for a company that specializes in X and you specialize in Y, even if they need Y, it is hard to be fully accepted in the in to the Club which will tend to be reser...
by TomatoTomahto
Fri Jun 26, 2015 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Tech jobs - is job-hopping the best way to get ahead?
Replies: 89
Views: 11375

Re: Tech jobs - is job-hopping the best way to get ahead?

The other moral of the story is to never work in software at a non-software company. It sucks. This is true more generally. If you work for a company that specializes in X and you specialize in Y, even if they need Y, it is hard to be fully accepted in the in to the Club which will tend to be reser...
by TomatoTomahto
Thu Jun 25, 2015 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 16648

Re: Is it worth aspiring to get more?

From all I have read here and my personal experience with my extended time off I have come to believe the absolute most important thing is that you "retire to something" not that you "retire from something". Yup. Next year, I will have a home that has no children living in it, f...
by TomatoTomahto
Thu Jun 25, 2015 6:31 am
Forum: Investing - Help with Personal Investments
Topic: Managed portfolio to index funds
Replies: 8
Views: 672

Re: Managed portfolio to index funds

I know what you're thinking! Please don't throw tomatoes at me. Well, I'm the only user here capable of throwing tomatoes or tomahtoes, and I say that you should be applauded. Bertilak gave you good advice. The broker is sorry to see your fees leave his pocket, so he will never be supportive of you...
by TomatoTomahto
Thu Jun 25, 2015 6:22 am
Forum: Investing - Help with Personal Investments
Topic: Any brokerage that offers commission free Vanguard mutual funds?
Replies: 21
Views: 2531

Re: Any brokerage that offers commission free Vanguard mutual funds?

What's the downside with Vanguard? Some people have had frustrating experiences with customer service at Vanguard. There is an active thread about it. Some people have had frustrating experiences with customer service at all companies. Yes, and since Vanguard is the largest of them and Vanguard is ...
by TomatoTomahto
Wed Jun 24, 2015 10:07 pm
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 64
Views: 6511

Re: Money arguments with spouse and how did you resolve

I guess it's a money argument: my wife wants a vacation home, preferably on the beach. I think that's why hotels exist. So far, it hasn't become heated. It's not that I've won, but I have successfully delayed it. We cut each other a fair amount of slack in terms of spending. We're both on the same p...
by TomatoTomahto
Wed Jun 24, 2015 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's so so customer service
Replies: 51
Views: 5143

Re: Vanguard's so so customer service

Fidelity has an office in my town which is nice if I ever need to use it. The website is also pretty nice. I like vanguard investment products better though. Fidelity has an office in my town also. When we went there, they put us on the phone because their "401k experts" are in another of...
by TomatoTomahto
Wed Jun 24, 2015 1:09 pm
Forum: Personal Consumer Issues
Topic: Most Economical Way to Handle the Lawn
Replies: 71
Views: 6515

Re: Most Economical Way to Handle the Lawn

When we did our major landscaping redo some years ago, we did a lot of hardscaping and also put in indigenous trees and shrubs. I had no intention of playing golf on the property, so I requested a hardy grass that didn't require much water; at the time the landscaping company called it "ecology...
by TomatoTomahto
Wed Jun 24, 2015 9:53 am
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 132
Views: 8506

Re: Convince me not to buy Porsche

Another case where asking car questions on BH.org probably isn't the best option. Not from the enjoyment aspect but it's not a bad option for looking at it from the financial perspective. The OP didn't really have an interest in a BH financial perspective, except for the few that will help him rati...
by TomatoTomahto
Tue Jun 23, 2015 8:31 pm
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 132
Views: 8506

Re: Convince me not to buy Porsche

Simple answer: If you have to borrow money to get it, you cannot--by definition--afford it. You paid cash for your house? Most people consider that real estate maintains value, give or take. A car is, except for very rare collectibles (which are not what OP is considering), a depreciating asset. Th...
by TomatoTomahto
Tue Jun 23, 2015 5:27 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 217
Views: 19426

Re: What was the 2008 crash like in real time?

Valuethinker wrote:I've never been that scared, or remember people who had been in markets a lot longer than me, looking that scared.

I remember Larry Kudlow, big promoter of de-regulation, on CNBC crying that his friends were being affected, and begging that someone do something. I'm trying to find a link to it.
by TomatoTomahto
Tue Jun 23, 2015 8:09 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 217
Views: 19426

Re: What was the 2008 crash like in real time?

So people weren't necessarily buying extra stock when it was cheap because nobody knew when the bottom would be. I, and undoubtedly many others, was at the limits of my courage in just staying the course. I did purchase more equities, but did not do a big rebalance; in poker terms, I "called&q...
by TomatoTomahto
Mon Jun 22, 2015 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: What percent of your spending is "basic" and what percent is "discretionary"?
Replies: 42
Views: 3789

Re: What percent of your spending is "basic" and what percent is "discretionary"?

Are groceries really considered discretionary spending? Yes and no. The two of us are averaging around $800 a month in groceries, and could easily cut back 50%. I used $400/month for groceries in determining basic versus discretionary. Okay, that makes sense. My husband spends right around $900/mon...
by TomatoTomahto
Mon Jun 22, 2015 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Tech jobs - is job-hopping the best way to get ahead?
Replies: 89
Views: 11375

Re: Tech jobs - is job-hopping the best way to get ahead?

Makes me think of those 'what are solid college majors?' threads. I would put software eng. near the top after reading this. My son declared his major as CS recently. Mostly I'm pleased because he loves the field, but a part of me is also happy that he will probably do well financially. I should me...
by TomatoTomahto
Mon Jun 22, 2015 8:52 am
Forum: Personal Consumer Issues
Topic: Concerns about upcoming Greece visit.
Replies: 26
Views: 2947

Re: Concerns about upcoming Greece visit.

Fwiw, we were in Athens around 5 years ago, and it was pretty run-down then. Nothing worse than many American cities, but there was a negative vibe. Santorini and Mykenos will be no problem. Bring some cash, but mostly credit cards :D

Have a good time.
by TomatoTomahto
Sun Jun 21, 2015 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Question regarding sharing an inheritance:
Replies: 19
Views: 2091

Re: Question regarding sharing an inheritance:

Even if you want to split it 25% each, you are giving up some of your lifetime estate exclusion. Whether that ever becomes a problem isn't known at this time, but it shouldn't be valued at $0. You knew your friend; I didn't. it would be nice if he had left specific instructions. If it were me, and I...
by TomatoTomahto
Sun Jun 21, 2015 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio suggestion for toddler
Replies: 45
Views: 4139

Re: Portfolio suggestion for toddler

I'm not married, nor do I have children, but if I may, I'd like to make a suggestion. Invest the money in a manner that will hopefully allow you to pay for the majority of his/her college education. This way, your child will have the time, patience, and available income to invest for his/her own fu...
by TomatoTomahto
Sun Jun 21, 2015 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio suggestion for toddler
Replies: 45
Views: 4139

Re: Portfolio suggestion for toddler

Another *hidden* reason is if the kid finds out parents have college fund, he/she will be less motivated to get scholarships... IME, I've never seen the existence of college funds reduce motivation for scholarships or anything else. I could probably make a better case for the funds encouraging achi...
by TomatoTomahto
Sat Jun 20, 2015 10:29 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 7866

Re: Best "All Around Lens" for Nikon DSLRs?

Even on a DX body, don't you find the 50mm (75 effectively) too wide for portraits? I prefer somewhere between 105-135 or so with an FX camera. That's not to say that it's my way or wrong, but ...
by TomatoTomahto
Sat Jun 20, 2015 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Financial and worldly advice to college kids
Replies: 27
Views: 3086

Re: Financial and worldly advice to college kids

Say it, forget it; write it, regret it.

Any work email that was gratifying to write should not be sent until you've at least slept on it. If it was REALLY fun to write, ask your significant other to read it before sending it.
by TomatoTomahto
Sat Jun 20, 2015 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Is Private Banking ever useful for simple Bogleheads
Replies: 35
Views: 4055

Re: Is Private Banking ever useful for simple Bogleheads

I heard on Bloomberg (iirc) the other day that JPMorgan Chase wanted to take two tellers out of each branch and replace with one "Private" banker. Their aim is to capture the in-between population that is no longer living on the edge but is below $10m+. It's a large population. Hold onto y...
by TomatoTomahto
Sat Jun 20, 2015 10:55 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 13446

Re: Aren't we overdoing electronic auto safety features?

It is interesting data, then you have to further extrapolate how many of these accidents could have been avoided or minimized by any of these systems. I know two people that died in car accidents and also have a brother who lost a leg, all were drunk and drove off the side of the road - is there so...
by TomatoTomahto
Sat Jun 20, 2015 9:41 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 13446

Re: Aren't we overdoing electronic auto safety features?

It is interesting data, then you have to further extrapolate how many of these accidents could have been avoided or minimized by any of these systems. I know two people that died in car accidents and also have a brother who lost a leg, all were drunk and drove off the side of the road - is there so...
by TomatoTomahto
Fri Jun 19, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: diesel luxury cars - any owners?
Replies: 11
Views: 1685

Re: diesel luxury cars - any owners?

On a trip to Scotland, I rented a diesel BMW. We kept driving and driving, and then I had to tap on the fuel gauge because i assumed it was stuck on full. The torque was really impresive. I had rented a manual, and it seemed that I could drive in any gear.
by TomatoTomahto
Fri Jun 19, 2015 4:14 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 13446

Re: Aren't we overdoing electronic auto safety features?

I'm all for safety features, but first I'll pick a company that doesn't hide ignition switch defects.
by TomatoTomahto
Fri Jun 19, 2015 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is Private Banking ever useful for simple Bogleheads
Replies: 35
Views: 4055

Re: Is Private Banking ever useful for simple Bogleheads

A $1 million account minimum seems awfully steep if there are no real benefits. Maybe it's something you get if you were going to keep that much in the bank anyway, which I was not. In my wife's company, the minimum is $10M, but they'll let her in with less. :beer In addition to free accounts, redu...
by TomatoTomahto
Fri Jun 19, 2015 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Financial and worldly advice to college kids
Replies: 27
Views: 3086

Re: Financial and worldly advice to college kids

Some things that my (college and older) kids have reported back to me as having stuck: Learn a lot; what you know is yours regardless of whether it was on the final or what your grade was. Don't buy what you can't afford. Allow for a standard deviation or two in traffic delays when going to an appoi...
by TomatoTomahto
Fri Jun 19, 2015 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Is Private Banking ever useful for simple Bogleheads
Replies: 35
Views: 4055

Re: Is Private Banking ever useful for simple Bogleheads

My wife works for a bank affiliated with a Private Bank. She has to have an account with them to hold her RSUs. Otherwise, she doesn't use any of their services. Even at reduced rates.
by TomatoTomahto
Fri Jun 19, 2015 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for inherited funds (Mega Backdoor Roth IRA)
Replies: 5
Views: 543

Re: 403b contribution advice for inherited funds (Mega Backdoor Roth IRA)

Just spoke with my employer and the representative definitely wasn't familiar with the Mega Backdoor Roth IRA but I did read up on it on a few sites. I have a few follow-up questions to anyone familiar with these 403b to Roth IRA conversions. 1. My employer will allow me to contribute 100% of my af...
by TomatoTomahto
Fri Jun 19, 2015 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 16648

Re: Is it worth aspiring to get more?

I enjoy my work, love the people I work with (all very smart) but it is by nature high stress and very consuming M-F. Do not underestimate the stress that can come from no longer enjoying your work with people that you love. When I became a SAHD, I found that I started living my wife's job vicariou...
by TomatoTomahto
Fri Jun 19, 2015 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 16648

Re: Is it worth aspiring to get more?

Amen, Meg77.

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