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Re: Avoiding problems in upgrading to Quicken 2015

I didn't remove my password and it simply prompted me for it during the conversion. Sorry that you had difficulties.
by TomatoTomahto
Sat Jan 31, 2015 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Avoiding problems in upgrading to Quicken 2015
Replies: 2
Views: 85

Re: Question re: opening brokerage account w/ Vanguard

Instead of asking people who don't know your account details, why not call Vanguard?
by TomatoTomahto
Sat Jan 31, 2015 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Question re: opening brokerage account w/ Vanguard
Replies: 3
Views: 236

Re: What is your portfolio comparison benchmark?

Not so different from cheese_breath, but no spreadsheet or careful observation. When I'm doing better than inflation, I'm very happy. If I'm not, which doesn't happen often, it makes me wish I'd just spent the money :D
by TomatoTomahto
Fri Jan 30, 2015 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your portfolio comparison benchmark?
Replies: 10
Views: 725

Re: Trusting and shopping around for doctors

There are a few doctors in my family. They are roughly evenly split between first-rate doctors and those I wouldn't trust with a hangnail. The good doctors, not coincidentally many of whom practice outside the U.S., have a calling; it is what they were meant to do.
by TomatoTomahto
Thu Jan 29, 2015 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Trusting and shopping around for doctors
Replies: 25
Views: 1425

Re: Poll: Do you contribute max to tax-advantaged before 529

Userdc wrote:I contribute max to all tax advantaged accounts except for 529.

For 529 I contribute up to the maximum state income tax break, and no more.


Me too, except I live in NJ, so I don't contribute to 529. I did years ago, but no longer.
by TomatoTomahto
Thu Jan 29, 2015 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Do you contribute max to tax-advantaged before 529?
Replies: 25
Views: 1567

Re: Retirement account limits

Does your 401k allow post-tax contributions (not Roth-401k)? If so, read up on mega backdoor Roth.
by TomatoTomahto
Thu Jan 29, 2015 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement account limits
Replies: 8
Views: 809

Re: Help - DH's bank wants to switch his RMD to VALIC

No offense to CU workers, but typically they know nothing about investing. In some cases, less than nothing. That's okay, I know nothing about auto repairs, but I also don't make repair recommendations. If it were me, I would take this as a sign to leave the CU, regardless of how pleasant the people...
by TomatoTomahto
Thu Jan 29, 2015 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help - DH's bank wants to switch his RMD to VALIC
Replies: 12
Views: 663

Re: Vehicles are (apparently) MUCH safer in last few years

My friend who volunteers with the fire department says that frequently, coming to an accident scene, he still steels himself for the fatality he expects to see based on the appearance of the vehicles. He says that, more often than not, the shaken occupants are having a conversation and are often jus...
by TomatoTomahto
Thu Jan 29, 2015 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Vehicles are (apparently) MUCH safer in last few years
Replies: 47
Views: 2906

Re: College Saving Options for NJ Resident

Grt2bOutdoors, in support of my friends who attended Cornell, it is not only a lot like an Ivy, but is a member of the Ivy League. Your point is well taken though -- schools of that caliber, Ivy or not, are expensive.
by TomatoTomahto
Thu Jan 29, 2015 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: College Saving Options for NJ Resident
Replies: 5
Views: 314

Re: Prices Paid - 2015.5 Volvo XC60 T6 AWD Platinum/Climate/

ravis wrote:The only addition I can think of is the Remote key engine start, rather than using a phone app.


Don't you always have your phone with you anyway?
by TomatoTomahto
Wed Jan 28, 2015 11:36 am
 
Forum: Personal Consumer Issues
Topic: Prices Paid - 2015.5 Volvo XC60 T6 AWD Platinum/Climate/Blis
Replies: 13
Views: 1321

Re: Prices Paid - 2015.5 Volvo XC60 T6 AWD Platinum/Climate/

@TomatoTomahto, I'm choosing a metallic paint. But Black Stone does look very nice! I am a bit torn... On the price you paid, taxes/registration/.. come to $4277, of which NJ sales tax would be $2710. So Title/Registration cost $1500 or so, or are there other fees tagged on? @TRC, I have posted in ...
by TomatoTomahto
Wed Jan 28, 2015 8:55 am
 
Forum: Personal Consumer Issues
Topic: Prices Paid - 2015.5 Volvo XC60 T6 AWD Platinum/Climate/Blis
Replies: 13
Views: 1321

Re: Prices Paid - 2015.5 Volvo XC60 T6 AWD Platinum/Climate/

My MSRP was exactly the same, so I assume that you also want metallic paint? Or something else that costs the same amount. I couldn't find my invoice, but I did find the emails. I asked for a quote for the same things: 2015.5 XC60 Platinum T6 AWD with Climate and BLIS, metallic paint. I already owne...
by TomatoTomahto
Tue Jan 27, 2015 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Prices Paid - 2015.5 Volvo XC60 T6 AWD Platinum/Climate/Blis
Replies: 13
Views: 1321

Re: Do Bogleheads' Children Qualify For Need Based College A

Price discrimination is charging different prices, relative to costs, to different buyers of the same product. The colleges hold all the cards. They know what you have and will charge accordingly. Gee why don't they let the guy who collects for your ticket at the movie theater know your assets so h...
by TomatoTomahto
Tue Jan 27, 2015 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads' Children Qualify For Need Based College Aid?
Replies: 35
Views: 3108

Re: Do Bogleheads' Children Qualify For Need Based College A

Re the loan issue, this article is critical of Yale's no-loan FA, but looking at the numbers, it really doesn't seem as bad as the author suggests. In any case, if Yale says you're getting $40k of FA, there are no loans in that amount. I think calling it a "cruel no-loan lie" is a bit over...
by TomatoTomahto
Tue Jan 27, 2015 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads' Children Qualify For Need Based College Aid?
Replies: 35
Views: 3108

Re: File FAFSA with 7 figure non-retirement portfolio?

Texasdiver, my wife "volunteered" us to make phone calls and send postcards for our son's college. We got a packet of the 20 parents we were to call, and it appears that they had a fair amount of information about the victims. I have a sense that our calls had no effect; the people that in...
by TomatoTomahto
Tue Jan 27, 2015 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: File FAFSA with 7 figure non-retirement portfolio?
Replies: 42
Views: 5349

Re: New car safety features

The human visual system is awesome. It also occasionally fails to see things even when your looking right at them. Especially if they refuse to turn on their lights in a snowstorm and pass on the right :D The point about turning the mirrors is good. I have taught my kids to do it that way; I tell t...
by TomatoTomahto
Tue Jan 27, 2015 2:39 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3675

Re: New car safety features

I agree that for almost everyone paying up for better safety is a wise move. Gone are the days of saying "my car is 10 years old and has 150k miles on it and I plan to drive it another 100k". That made frugal sense for many years - been there done that. Today it is penny wise pound foolis...
by TomatoTomahto
Tue Jan 27, 2015 2:29 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3675

Re: New car safety features

http://www.autoblog.com/2014/10/10/teslas-d-adds-all-wheel-drive-safety-features/ responds to traffic lights changes lanes responds to speed limit signs hands free IMO, safest car available now I have a deposit on the SUV version (Model X). That said, I hope there's an override to the response to s...
by TomatoTomahto
Tue Jan 27, 2015 12:02 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3675

Re: File FAFSA with 7 figure non-retirement portfolio?

If your FAFSA says you are worth say $10 million you are probably painting a target on your back for future fundraising campaigns. If not for the FAFSA, how would the college ever know which of its students are rich kids? I have never filled out a FAFSA for my current or previous student. They don'...
by TomatoTomahto
Tue Jan 27, 2015 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: File FAFSA with 7 figure non-retirement portfolio?
Replies: 42
Views: 5349

Re: Do Bogleheads' Children Qualify For Need Based College A

Texas Hold Em, as far as I know, the only Ivy that includes loans in their FA is Dartmouth, and they limit it to $5k /year or thereabouts. That's the official line, anyway. You might disagree with their calculation of EFC, but IMO they're usually somewhere between fair and generous. There are parent...
by TomatoTomahto
Mon Jan 26, 2015 10:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads' Children Qualify For Need Based College Aid?
Replies: 35
Views: 3108

Re: New car safety features

I'm a big fan of technological improvements in safety, but I was reminded today of one easy and inexpensive safety feature that is missing or unused: having lights on (either daytime running lights or headlights). We are in the early stages of a blizzard in the NE, and I am once again disappointed i...
by TomatoTomahto
Mon Jan 26, 2015 2:34 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3675

Re: Do Bogleheads' Children Qualify For Need Based College A

Nisiprius, your point is well taken. I would like to add a few thoughts: 1. It might be poetic justice, but some of the techniques for hiding assets backfire. It is easiest to scam a greedy and deceitful person, because they still believe in a free lunch. 2. If you're at all borderline, you should p...
by TomatoTomahto
Mon Jan 26, 2015 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads' Children Qualify For Need Based College Aid?
Replies: 35
Views: 3108

Re: Do Bogleheads' Children Qualify For Need Based College A

LOL. not so much as a penny. Our incomes do us in before we even get to savings. I'm debating even filling out a FASA this year. Why bother filling it out? I haven't, and don't intend to. AFAIK, there is no upside to filling it out if your income/assets keeps you out of the running for need-based a...
by TomatoTomahto
Mon Jan 26, 2015 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads' Children Qualify For Need Based College Aid?
Replies: 35
Views: 3108

Re: Do Bogleheads' Children Qualify For Need Based College A

LOL. not so much as a penny. Our incomes do us in before we even get to savings. I'm debating even filling out a FASA this year. Why bother filling it out? I haven't, and don't intend to. AFAIK, there is no upside to filling it out if your income/assets keeps you out of the running for need-based a...
by TomatoTomahto
Mon Jan 26, 2015 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads' Children Qualify For Need Based College Aid?
Replies: 35
Views: 3108

Re: Is it time to give-up on TIPS?

I bought them as a hedge against runaway inflation due primarily to the effects of QE......which has clearly not happened. While employment #'s have improved, I see little risk of a major increase in wages. Well, you didn't predict so well when you bought them, but now you're making predictions abo...
by TomatoTomahto
Mon Jan 26, 2015 7:59 am
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 39
Views: 4028

Re: Anyone still keep DVDs?

I sold mine to Decluttr. It's possible to get more on eBay, but they make it an easy one shot deal. Agree. My library is not interested in donations. Some of my DVDs are of good films, some unopened (I'm a more ambitious buyer than my wife is a watcher :D ). I just put together my very first order ...
by TomatoTomahto
Sun Jan 25, 2015 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Anyone still keep DVDs?
Replies: 26
Views: 1490

Re: Add new bank to vanguard account

If someone were to hack my account, I wouldn't mind if it took them a while to add a new bank.
by TomatoTomahto
Sat Jan 24, 2015 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Add new bank to vanguard account
Replies: 13
Views: 752

Re: Is a financial advisor going to help?

Padronpepper, Welcome to the forum. I agree with Lafder. An ongoing $25k/year fee (and presumably climbing) would be uncalled for. If it makes you feel more comfortable, spend a grand or two and ask the questions of a fee-based adviser. IMO, you will get good advice here for free; see what happens o...
by TomatoTomahto
Sat Jan 24, 2015 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a financial advisor going to help?
Replies: 20
Views: 1945

Re: How to climb up in a megacorp

Never have more than one drink (if that) at any gathering that includes other company people. As suggested above, pick your mentor wisely. Treat those who work for you with respect. Promote those who deserve it. Get rid of anyone not working hard, while understanding that even very capable people ar...
by TomatoTomahto
Fri Jan 23, 2015 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to climb up in a megacorp
Replies: 37
Views: 4886

Re: My strange little hobby

Choices, verify, but I think you can attend with B shares, which are a bit more affordable than A shares :D
by TomatoTomahto
Thu Jan 22, 2015 11:06 am
 
Forum: Personal Consumer Issues
Topic: My strange little hobby [Collecting signatures]
Replies: 19
Views: 2417

Re: What will happen to international stocks if a Euro break

Just curious -- why is US-centric political discussion off limits, but international discussion okay?
by TomatoTomahto
Wed Jan 21, 2015 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: What will happen to international stocks if a Euro breakup?
Replies: 23
Views: 1581

Re: Annuity Concerns

Another consideration is that they both are going to earn enough in pensions and Social Security to break even with their monthly expenses. Then they probably don't need an annuity, either the good kind (SPIA) or the others. As a parting note, their financial planner is a SALESMAN. Understanding th...
by TomatoTomahto
Tue Jan 20, 2015 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annuity Concerns
Replies: 8
Views: 719

Re: 7 nights- Scotland or Ireland?

My least favorite stop was Blarney Castle. My recollection from 20+ years ago was that you drove up to Blarney Castle, walked up, kissed the stone, and went on your way. At least that was the drill on a drizzly day. Five years ago, you drove up and got in a Disneyesque line, souvenirs were hawked, ...
by TomatoTomahto
Tue Jan 20, 2015 11:26 am
 
Forum: Personal Consumer Issues
Topic: 7 nights- Scotland or Ireland?
Replies: 31
Views: 2004

Re: 7 nights- Scotland or Ireland?

An absolute MUST is the RING OF KERRY in Ireland. It is beautiful and much to see! Check with this guy Roger about seeing if he has time to give you the tour: http://www.cloghvoola.com Good luck! I enjoyed the Ring of Kerry well enough, but a highlight of the trip was the purchase of strawberries b...
by TomatoTomahto
Tue Jan 20, 2015 11:22 am
 
Forum: Personal Consumer Issues
Topic: 7 nights- Scotland or Ireland?
Replies: 31
Views: 2004

Re: Are 529 plan withdrawals taxable in the future?

Anecdata: My son and I had a discussion over winter break about this. Many of his classmates have sufficient debt that he thinks it affects their career choices after graduation, even at a school with a reputation as one of the more generous Ivies.
by TomatoTomahto
Tue Jan 20, 2015 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Are 529 plan withdrawals taxable in the future?
Replies: 20
Views: 1689

Re: $50,000 to invest, want little to no risk. CDs? Silver?

Physical gold/silver are NOT low risk. I wouldn't touch them with a barge pole.
by TomatoTomahto
Tue Jan 20, 2015 7:42 am
 
Forum: Investing - Help with Personal Investments
Topic: $50,000 to invest, want little to no risk. CDs? Silver? Etc?
Replies: 37
Views: 3466

Re: 7 nights- Scotland or Ireland?

I visited Ireland some 20+ years ago, and took a car trip with wife and two children 5 years ago to Ireland and Scotland. We drove and stayed at B&Bs (there are companies that will book for you). My impression is that Ireland became a bit Disneyfied over the years. I had a strong preference for ...
by TomatoTomahto
Tue Jan 20, 2015 6:54 am
 
Forum: Personal Consumer Issues
Topic: 7 nights- Scotland or Ireland?
Replies: 31
Views: 2004

Re: how to get a reference from a current employer?

I hire people and have a couple of comments I don't expect to get a reference from a current employer. If I see a steady increase in responsibilities and pay during his time at a company, that is better than a reference. An employee looking to change after one year is a red flag to me. Especially i...
by TomatoTomahto
Mon Jan 19, 2015 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to get a reference from a current employer?
Replies: 16
Views: 1241

Re: Quicken 2015 for Windows - Any reviews?

For example, he was putting in fund price changes as purchases. :oops: Don't ask, I try. I try again. **sigh** Ain't love grand? My wife, whose skills and insight make her a highly compensated employee (ie, the following is not because she is dumb), doesn't go near Quicken and I have to force her t...
by TomatoTomahto
Sun Jan 18, 2015 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 99
Views: 15797

Re: Here's my situation.

Stevemed, Do not be ashamed. The majority of BHs did something dumb, sometimes colossally dumb, in the past. You are still young. I never make numerical predictions, so I won't start now. My advice is to not let your feelings about past mistakes push you into being overly aggressive. Slow and steady...
by TomatoTomahto
Sat Jan 17, 2015 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Here's my situation.
Replies: 20
Views: 2581

Re: Eliminating the "Face Palm" Icon

I always thought of it as a self-deprecating Homer Simpson "doh!" equivalent. Me too, and I think it is used overwhelmingly in a self- deprecating way by most posters. I don't remember its use in an aggressive way, although threads where that's likely are ones that I probably stopped read...
by TomatoTomahto
Fri Jan 16, 2015 6:05 pm
 
Forum: Forum Issues and Administration
Topic: Eliminating the "Face Palm" Icon
Replies: 33
Views: 2059

Re: Amex Fidelity CC 2% Cash Back

Thanks Raladic. That was painless, and I hope it's done (it can take a few payment cycles, apparently). I have gone to the Fiacardservices web site before to pay, but that's where the only option was a fixed dollar amount per month. It might be easier to unearth truffles than to find this :D Thanks ...
by TomatoTomahto
Fri Jan 16, 2015 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 6192

Re: Eliminating the "Face Palm" Icon

I feel a face palm coming in 5..4..3..2..
by TomatoTomahto
Fri Jan 16, 2015 5:01 pm
 
Forum: Forum Issues and Administration
Topic: Eliminating the "Face Palm" Icon
Replies: 33
Views: 2059

Re: Amex Fidelity CC 2% Cash Back

Amex fidelity is one of my go-to cards (along with Blue Preferred) but one thing really bugs me. Perhaps I've missed it, but I can't find a way to automatically pay my bill, in full, every month. I worry that one month I'll forget and that the fees will pile up. EVERY other credit card I own is &quo...
by TomatoTomahto
Fri Jan 16, 2015 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 6192

Re: Backdoor Roth

I should mention that the contribution to the tIRA is non-deductible (ie, it is post-tax money).
by TomatoTomahto
Tue Jan 13, 2015 6:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth
Replies: 4
Views: 477

Re: Financial Software - Downloaded Transaction Timing

I don't even know how long the delay is. I use only Fidelity and (mostly) Vanguard. Is there a reason that a day or two download difference matters?

I care about timely CC and bank information, because I look for unexpected charges. Those work quickly enough to suit me.
by TomatoTomahto
Sun Jan 11, 2015 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Software - Downloaded Transaction Timing
Replies: 3
Views: 426

Re: Moving ALL my accounts to Vanguard

PoppyA wrote:Though the chances are slim of vanguards failing, having all your eggs in one basket is often brought up as a negative. In 2008 we never thought we would see those big houses fail either....just sayin....


I doubt it would happen, but what am I actually risking?
by TomatoTomahto
Sat Jan 10, 2015 11:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving ALL my accounts to Vanguard
Replies: 16
Views: 2160

Re: Young couple looking for a mentor.

Tracybrice, forget becoming a corporation and the investments available to you as an accredited investor. I think that a significant fraction of Bogleheads qualify as accredited investors, but that very few, if any, invest in anything that requires it. I'm pretty sure BHs who have incorporated have ...
by TomatoTomahto
Sat Jan 10, 2015 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young couple looking for a mentor.
Replies: 45
Views: 4435

Re: Insurance - Finding company with good customer service

We use Chubb. They are expensive, but when it's time to pay a claim (which we've had on auto insurance, but not homeowners or umbrella), it's no muss no fuss. We continue to use them, knowing that we're probably overpaying.
by TomatoTomahto
Fri Jan 09, 2015 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance - Finding company with good customer service
Replies: 10
Views: 978

Re: Help me to understand time shares

A while ago, I ran an eBay consignment shop. A number of owners gave up trying to sell their units and offered me a fee if I could find someone dumb enough to take it from them, for free. The maintenance fees were killing them, and apparently you can't just walk away. That's enough of a data point f...
by TomatoTomahto
Fri Jan 09, 2015 11:10 am
 
Forum: Personal Consumer Issues
Topic: Help me to understand time shares
Replies: 58
Views: 5382
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