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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: 31
Views: 2613

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: 40
Views: 4537

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: 47
Views: 2257

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: 47
Views: 2257

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: 47
Views: 2257

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: 40
Views: 4537

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: 31
Views: 2613

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: 47
Views: 2257

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: 31
Views: 2613

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: 31
Views: 2613

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: 31
Views: 2613

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: 22
Views: 2057

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: 25
Views: 1455

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: 740

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: 1862

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: 4684

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: 2402

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: 1570

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: 717

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: 1988

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: 1988

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: 1680

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: 32
Views: 2657

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: 1988

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: 1236

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: 15612

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: 2567

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: 2030

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: 5670

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: 2030

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: 5670

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: 425

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: 2156

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: 4427

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: 977

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: 5380

Re: Transferring files onto a new computer

When the day comes, I'll just do a restore from Crashplan. Do you know how fast that is? I've done trial restores on Carbonite and Crashplan, with Crashplan a lot faster. As a practical matter, I would download some important files first, and then if the remainder take a long time, who cares. I can...
by TomatoTomahto
Fri Jan 09, 2015 8:28 am
 
Forum: Personal Consumer Issues
Topic: Transferring files onto a new computer
Replies: 32
Views: 2647

Re: Examples of load-only fund families?

OP, there are probably other options besides this cheesy 401k and taxable. The number crunchers among us (not me!) can figure out what's best in your case, but they're going to need more information. I suggest asking the question in this format http://www.bogleheads.org/forum/viewtopic.php?f=1&t...
by TomatoTomahto
Thu Jan 08, 2015 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Examples of load-only fund families?
Replies: 36
Views: 2503

Re: Having a lot of kids really paid off.

... and you should brag! Having lots of kids paid off, but so did raising them well. Good for all of you.
by TomatoTomahto
Thu Jan 08, 2015 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Having a lot of kids really paid off.
Replies: 17
Views: 2575

Re: Examples of load-only fund families?

There's no sense cutting your nose off to spite your face, but this employer sounds like a nightmare, and I think it would be unusual to be nasty with the 401k but wonderful everywhere else. If it were me, and obviously it's not so talk is cheap, I would find a way to shorten my employment to less t...
by TomatoTomahto
Thu Jan 08, 2015 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Examples of load-only fund families?
Replies: 36
Views: 2503

Re: Humidifiers

Only part of our house is forced air, and we had an Aprilaire unit on it. It didn't do much for us. We've gone through a variety of ultrasonic units ranging in price, many of which lasted a season or maybe two. I have settled on a steam unit, the AIr-O-Swiss S450. We have roughly 4500 SF to conditio...
by TomatoTomahto
Wed Jan 07, 2015 10:36 pm
 
Forum: Personal Consumer Issues
Topic: Humidifiers
Replies: 25
Views: 2808

Re: Accepting counter-offer to stay at job

As a manager, EVERY time I have made a counteroffer, I have regretted it. Sure, the employee stays for the time being. However, 12 or 18 or 24 months later, that employee either resigns OR comes back with another offer to match. IMO, it is better to develop a succession plan and allow the person to...
by TomatoTomahto
Wed Jan 07, 2015 9:49 pm
 
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 6625

Re: Cancel Homeowner's Insurance?

[snip...]Also not to scold either other posters or the (normally hair trigger) moderators, but how can it can be acceptable to answer a point about ACA penalty going up in proportion with income by saying in effect 'the IRS probably won't catch you? I flagged the post since I found that, especially...
by TomatoTomahto
Wed Jan 07, 2015 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Cancel Homeowner's Insurance?
Replies: 106
Views: 6606

Re: Cancel Homeowner's Insurance?

Not the sharpest knife in the drawer IMO! No need to insult another person's intelligence. OP is a surgeon -- I found the comment humorous. Considering some of the techniques that OP has indicated he's intending to employ, I think those of us who have an issue with those techniques have been very r...
by TomatoTomahto
Wed Jan 07, 2015 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Cancel Homeowner's Insurance?
Replies: 106
Views: 6606

Re: Cancel Homeowner's Insurance?

Not the sharpest knife in the drawer IMO! No need to insult another person's intelligence. OP is a surgeon -- I found the comment humorous. Considering some of the techniques that OP has indicated he's intending to employ, I think those of us who have an issue with those techniques have been very r...
by TomatoTomahto
Tue Jan 06, 2015 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cancel Homeowner's Insurance?
Replies: 106
Views: 6606

Re: Cancel Homeowner's Insurance?

And if someone falls on your driveway, and you have no liability coverage ?... Way too risky. Shop it around, and go for the highest deductibles. If you think you have the income to self insure, you can surely cover the premiums. umbrella coverage Check the terms of your umbrella coverage. Usually,...
by TomatoTomahto
Tue Jan 06, 2015 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cancel Homeowner's Insurance?
Replies: 106
Views: 6606

Re: Cancel Homeowner's Insurance?

It's a bit like car insurance. As a citizen and driver, I don't care if you carry collision insurance. I do, however, expect you to be insured for other things. The same goes for your homeowners.

[OT comment removed by admin LadyGeek]
by TomatoTomahto
Tue Jan 06, 2015 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cancel Homeowner's Insurance?
Replies: 106
Views: 6606

Re: Aren't we in the midst of a deflationary downturn?

What??? Were the pundits who have been forecasting "inevitable" crippling inflation any minute now for years wrong? Say it ain't so, I beg you.
by TomatoTomahto
Tue Jan 06, 2015 11:28 am
 
Forum: Investing - Theory, News & General
Topic: Aren't we in the midst of a deflationary downturn?
Replies: 20
Views: 2095

Re: Accepting counter-offer to stay at job

He acknowledged all of that but informed me that his boss wants to do whatever is possible to retain key people, in his words "shower them with money if necessary." So where have they been in the last few years if they can find $$ now :-) +1000. This is why I never made counteroffers. It ...
by TomatoTomahto
Mon Jan 05, 2015 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 6625
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