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Re: Warren Buffett

... I think the interesting thing to know about Buffett would be whether his success is primarily from his qualitative insight regarding what companies will like have better than the index returns and growth, or whether it is mainly from his extraordinary discipline and timing, buying at times when...
by TomatoTomahto
Tue Apr 22, 2014 10:12 am
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett
Replies: 45
Views: 2182

Re: Forced job responsibility putting me in a panic

You can learn to do it. I'm very much on the intravert end of things (I prefer hiding in a dark corner to going to any party). Yet, my choice in a job put me in front of customers as the technical face of the company. After many, many, many visits, I became comfortable with it and today, you can th...
by TomatoTomahto
Tue Apr 22, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2013

Re: Need help figuring out the optimum financial instrument

In addition, we co-signed a credit card in our son's name, which will "build" his credit for post-college life.
by TomatoTomahto
Tue Apr 22, 2014 7:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Need help figuring out the optimum financial instrument
Replies: 4
Views: 315

Re: Warren Buffett

Reaching for that extra 1-2 pct annualized per year makes sense in my book if you follow his advice. I know I'm not Buffett but I still think i can beat an index by 1-2 pct over time. That's a lot of money over time. Chime in with your thoughts. If I'm not mistaken, even Buffett hasn't beat the S&a...
by TomatoTomahto
Mon Apr 21, 2014 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett
Replies: 45
Views: 2182

Re: is whole life insurance a good investment?

Calm Man wrote:Very serious response coming, but as a parent you'll understand where I am coming from:
If my 2 year old died I would not have been thrilled to collect 250K.

Serious and true. That's a check you couldn't deposit.
by TomatoTomahto
Mon Apr 21, 2014 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: is whole life insurance a good investment?
Replies: 16
Views: 1221

Re: New Baby Girl - What Can/Should We Do?

I would love my new daughter to death, but I would not think about making her a financial burden to me nor would I do anything special about saving for her future. I would spend the checks in her name on her diapers, formula, day care, whatever her expenses are. This is another one of those threads...
by TomatoTomahto
Mon Apr 21, 2014 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Baby Girl - What Can/Should We Do?
Replies: 31
Views: 1929

Re: New Baby Girl - What Can/Should We Do?

I'm generally not a big fan of young people buying a home. In your case, though, why in the world would you consider buying a house in the next 1 to 1.5 years if you might be moving to New York? +1 to what Livesoft said. Eta: I was unclear in my first paragraph. I think it's frequently unwise to pur...
by TomatoTomahto
Mon Apr 21, 2014 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Baby Girl - What Can/Should We Do?
Replies: 31
Views: 1929

Re: POLL: If Eligible For Social Security .....

I should have red-shirted those kids; would have added to their benefits. :oops:
by TomatoTomahto
Mon Apr 21, 2014 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 71
Views: 3087

Re: POLL: If Eligible For Social Security .....

rkhusky, Apparently I used the following assumptions in running the program: • Inflation Rate: 2.00% • Nominal rate of return: 4.00% The report says: In forming the present value of all your future benefits for different collection date choices, we do simple discounting for real interest. That is, w...
by TomatoTomahto
Mon Apr 21, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 71
Views: 3087

Re: POLL: If Eligible For Social Security .....

Iirc, I stated a life expectancy of 85 for myself and 100 for my wife. Btw, I picked 85 for myself because in a long-ago dialogue with sscritic, I decided that if I lived to that age, I wouldn't mind if I had "left some money on the table," as I would be so happy to get to see one more re...
by TomatoTomahto
Mon Apr 21, 2014 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 71
Views: 3087

Re: POLL: If Eligible For Social Security .....

That's interesting. I hadn't thought of that combination as being useful. Will have to look into it. What was the assumed rate of return and the expected life expectancies? I ran the software a while ago, but I don't recall that an assumed rate of return was involved. I'll look at the report (my li...
by TomatoTomahto
Mon Apr 21, 2014 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 71
Views: 3087

Re: POLL: If Eligible For Social Security .....

How many kids under 18 will you have when you turn 62? My kids will have gotten 44 benefit-months by my early filing Based on the verb tense and my dates, I think your question was directed to rkhusky, but the indentation was confusing, so I will answer: in my case I had a 15 and a 17-year old when...
by TomatoTomahto
Mon Apr 21, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 71
Views: 3087

Re: POLL: If Eligible For Social Security .....

What MaximizeMySocialSecurity computed for me is: His Filing Recommendations He takes retirement benefits in Oct 2013, the year he turns 62. He should suspend in Sep 2017, the year he turns 66. He should reinstate retirement benefits in Sep 2021, the year he turns 70. Her Filing Recommendations She ...
by TomatoTomahto
Mon Apr 21, 2014 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 71
Views: 3087

Re: suggestion for awd luxury sedan

ElJay wrote:Have you considered the Volvo S60? An S60 T5 AWD sits around $46k after being gussied up with a lot of technology packages.

The XC60 is mighty nice also. :D
by TomatoTomahto
Sun Apr 20, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: suggestion for awd luxury sedan
Replies: 44
Views: 3473

Re: How to start tracking finances

If you've had these accounts for longer than the account download will cover, you're going to have to figure out an opening balance that works. Download for a couple of months; don't try to reconcile for the time being. Then, take the quicken balance and the account balance, subtract, enter that as ...
by TomatoTomahto
Sun Apr 20, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to start tracking finances
Replies: 14
Views: 1368

Re: POLL - If Eligible For Social Security .....

Started at 62 because it would get some money for my kids.
by TomatoTomahto
Sat Apr 19, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 71
Views: 3087

Re: Quicken 2014 opinions wanted

...Having to enter the same data twice in two different places is asking for trouble. I couldn't agree more that entering twice is likely to result in a problem, but (and I'm honestly not trying to be argumentative) I enter the bill pay at BoA and then the check information gets downloaded to Quick...
by TomatoTomahto
Fri Apr 18, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 1581

Re: Quicken 2014 opinions wanted

Which bank, SimonJester?
by TomatoTomahto
Fri Apr 18, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 1581

Re: Quicken 2014 opinions wanted

bertilak wrote:I also use the bill-pay feature and I believe this gets sunsetted as well. Fortunately, I am on 2013 and all this still works.

Long-time user also, but use BoA bill pay. Is there a reason you prefer Quicken for bill payment? Doesn't it cost $?
by TomatoTomahto
Fri Apr 18, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 1581

Re: Quicken 2014 opinions wanted

I have to say that I don't find the need to check things online via mobile. I take a peek at how things look when downloading transactions, but I don't need to look at things on my phone. So I upgrade, reluctantly, when downloads will be restricted if I don't do so. I can't remember the last time an...
by TomatoTomahto
Fri Apr 18, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 1581

Re: Help me find a good slow cooker

ram wrote:Zojhirushi.

I'm not familiar with their slow cooker, but I have nothing but praise for their rice cooker, and I have the sense that that kind of quality reflects a company's commitment. I have some steel cut oatmeal cooking as I type thisv :D
by TomatoTomahto
Fri Apr 18, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: Help me find a good slow cooker
Replies: 29
Views: 1511

Re: Live Now, Live Later?

http://Www.ESPlanner.com. Highly customizable consumption smoothing software to, uh, smooth consumption.
by TomatoTomahto
Thu Apr 17, 2014 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Live Now, Live Later?
Replies: 37
Views: 3584

Re: I need a new coffee maker, any recommendations?

My Remington iCoffee has replaced every other coffee maker I've used. It can make very strong but smooth coffee, just the way I like it. Takes coarse coffee (what you would use in a French press).
by TomatoTomahto
Thu Apr 17, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2240

Re: Medical Student, New to Indexes - Portfolio and IRA advi

Do you have any thoughts on my portfolio allocation? I have a number of funds myself, but that's because of history. All new money goes into very few funds. Asset class discussions remind me a bit of debates about whether Bauer, Graf, CCM, etc make the best hockey skate; whatever differences there ...
by TomatoTomahto
Thu Apr 17, 2014 10:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Medical Student, New to Indexes - Portfolio and IRA advice?
Replies: 11
Views: 798

Re: Student Loan Repayment by Employer Counting as Taxed Inc

The good news is that you have income that will allow you to pay it off. Glass half full.
by TomatoTomahto
Wed Apr 16, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment by Employer Counting as Taxed Income
Replies: 16
Views: 913

Re: Student Loan Repayment by Employer Counting as Taxed Inc

Heavyshoulder, that's a lot of debt, but I don't know of any way around it without paying for it in after-tax cash.
by TomatoTomahto
Wed Apr 16, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment by Employer Counting as Taxed Income
Replies: 16
Views: 913

Re: Student Loan Repayment by Employer Counting as Taxed Inc

heavyshoulder732 wrote: [snip...] how is that any different than just paying the loans with your post tax money?


Is there a reason that it should be different?
by TomatoTomahto
Wed Apr 16, 2014 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment by Employer Counting as Taxed Income
Replies: 16
Views: 913

Re: Medical Student, New to Indexes - Portfolio and IRA advi

Hi Placeholder, Thanks for your reply. Do I assume that by cashing out dividends and then manually buying additional shares that I avoid the smaller tax lots? What many of us do in taxable is let dividends accumulate in a MM fund. That money gets commingled with "new" money, and you can t...
by TomatoTomahto
Tue Apr 15, 2014 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Medical Student, New to Indexes - Portfolio and IRA advice?
Replies: 11
Views: 798

Re: deferred comp plans

Had several friends retire as partners of Lehman Brothers with very large (voluntary) deferred comp balances that all went to zero in 2009 Me too, and before that some friends at Drexel also! My wife works for a company that will probably be solvent in 10 years, but my senior friend at Lehman would...
by TomatoTomahto
Tue Apr 15, 2014 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: deferred comp plans
Replies: 20
Views: 1438

Re: less you need social security, earlier you should claim

I decided to file early so that my kids could get benefits. Future changes were, at most, a fleeting consideration.

I am in the cohort that "least" needs SS currently.
by TomatoTomahto
Sun Apr 13, 2014 11:30 am
 
Forum: Investing - Theory, News & General
Topic: less you need social security, earlier you should claim
Replies: 39
Views: 2799

Re: HSA cost benefit analysis

Have you, yet, personally encountered a situation where you actually had to pay the full deductible? Based on other postings in the forum, I get the impression that people judge, quite correctly, that an economic analysis favors the high deductible plan--they can afford the risk and it is beneficia...
by TomatoTomahto
Sun Apr 13, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA cost benefit analysis
Replies: 23
Views: 1664

Re: Partials vs implants

linuxizer wrote:It'd be adverse selection, not moral hazard.


Yes, right, and that, in turn, would be a senior moment. :oops:
by TomatoTomahto
Sat Apr 12, 2014 7:30 am
 
Forum: Personal Consumer Issues
Topic: Partials vs implants
Replies: 27
Views: 2530

Re: Corporate Compliance has a problem with our Vanguard acc

In_reality, my wife had a telephone conversation with compliance that agreed that she would move the equities in her Vanguard Brokerage account to one of the acceptable companies and close the brokerage account. The non-brokerage accounts can only hold Vanguard mutual funds. My wife memorialized the...
by TomatoTomahto
Fri Apr 11, 2014 10:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2472

Re: Corporate Compliance has a problem with our Vanguard acc

I would simply never provide that information to an employer. Not only is it not their business (in any case, in any job) - it gives them way too much strength in ongoing salary negotiations. They know your financials - they may think they can offer more or less salary depending on your situation. ...
by TomatoTomahto
Fri Apr 11, 2014 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2472

Re: Corporate Compliance has a problem with our Vanguard acc

Re the horse races,from the Urban Dictionary: If everybody thought the same, then they would all bet on the same horse, then nobody would make any money. Hence, different views make horse racing possible.
by TomatoTomahto
Fri Apr 11, 2014 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2472

Re: A foolish investor?

That's fine, until it's not. I would step off the gas a bit and save more. YMMV
by TomatoTomahto
Fri Apr 11, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: A foolish investor?
Replies: 13
Views: 1553

Re: Corporate Compliance has a problem with our Vanguard acc

btw - I personally would never take a job that gave over this amount of transparency to a company I work for. Never. I guess that's what makes horse races. My ex-wife wouldn't get an EZpass because she didn't want the government knowing where she was going. My reaction to that was that 1-they proba...
by TomatoTomahto
Fri Apr 11, 2014 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2472

Re: Corporate Compliance has a problem with our Vanguard acc

leonard wrote:Since it was OK before and became a problem - to me that implies that someone in compliance is new or just not getting it.


What they are getting is a lot if heightened scrutiny in the aftermath of countless instances of bad behavior at investment banks.
by TomatoTomahto
Fri Apr 11, 2014 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2472

Re: Corporate Compliance has a problem with our Vanguard acc

Leonard, this is an investment bank with a zillion regulations. To make it worse, it is global in scope, so many different regulators are involved. It is not our intention to be adversarial; compliance has a job to do, and they have been pleasant about doing it, although they could more clearly spel...
by TomatoTomahto
Fri Apr 11, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2472

Re: Partials vs implants

It was however damn expensive.... insurance paid zip / nada / zero / nothing (ask me what I think of the insurance company :-) ) for the implant part (they only would pay if it was an accident and not elective... like I elected to go through that process) and coughed up about 1/2 for the crown part...
by TomatoTomahto
Fri Apr 11, 2014 10:11 am
 
Forum: Personal Consumer Issues
Topic: Partials vs implants
Replies: 27
Views: 2530

Re: Determining spending allowance for myself

It sounds like you're a candidate for consumption smoothing software -- it will recommend spending levels based on your specific situation. Take a look at http://www.ESPlanner.com. They have a free online version and a pay version.
by TomatoTomahto
Fri Apr 11, 2014 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Determining spending allowance for myself
Replies: 6
Views: 525

Re: Partials vs implants

I will add that a relative had a number of implants, and they all had to be removed due to what he was told was "bone loss." A very expensive, painful and useless episode. Some of the variance in cost and time is driven by what caused the need for implants in the first place. Bone grafts,...
by TomatoTomahto
Fri Apr 11, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: Partials vs implants
Replies: 27
Views: 2530

Re: Corporate Compliance has a problem with our Vanguard acc

Epsilon Delta, Over all of these years, they have never asked me about any accounts, positions, etc. as her spouse. Fwiw, other than one brokerage account that also holds BRK (but poor poor pitiful me only gets the B shares), I only own Vanguard funds, so I don't think we're the people they're looki...
by TomatoTomahto
Thu Apr 10, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2472

Re: Corporate Compliance has a problem with our Vanguard acc

Thanks Placeholder. I'll discuss with my wife this weekend.
by TomatoTomahto
Thu Apr 10, 2014 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2472

Re: Corporate Compliance has a problem with our Vanguard acc

Rob, we're not planning on getting a divorce, but I would feel strange re-titling her assets (there's a salacious joke in there, but I don't think Lady Geek would appreciate it). They made me create a separate account for the stock-holdings way back when, so I think the default for a non-Brokerage a...
by TomatoTomahto
Wed Apr 09, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2472

Re: Corporate Compliance has a problem with our Vanguard acc

I got approval to speak to Compliance. What BuySider said is true: if I close my wife's Brokerage account at Vanguard (i.e., the one with stocks in it), the other accounts are fine. So, I guess I'll transfer the share to Schwab (lucky them; I'm not a trader, so no commissions :-) ). Fidelity Advanta...
by TomatoTomahto
Wed Apr 09, 2014 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2472

Re: Corporate Compliance has a problem with our Vanguard acc

Call up the compliance department and have them try to answer your questions. :) If they cannot, just give them your account info and have them take care of it. I think they'll only talk to my wife, who to be honest is too busy making the money to want to spend time on investing it; that's my job. ...
by TomatoTomahto
Wed Apr 09, 2014 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2472

Corporate Compliance has a problem with our Vanguard account

Today my wife received this letter from Corporate Compliance. I've fiddled with sections of it to retain some small semblance of anonymity, but it reads: Our records indicate that you maintain an employee or employee-related accounts with a firm that is neither a Designated Broker nor one from which...
by TomatoTomahto
Wed Apr 09, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Compliance has a problem with our Vanguard account
Replies: 29
Views: 2472

Re: Brown bagging in a more formal office

I will wait on buying a swanky leather bag. If I won't be out of place with a regular backpack I will be happy as all get out. I'm still in grad school too so carrying a backpack is pretty normal for me. I think you'll find that it's pretty normal for almost everyone. Backpacks are just too "f...
by TomatoTomahto
Wed Apr 09, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 3073

Re: First Trip to India

Fully cooked food, even street food should ok provided you can handle test/spicyness as heat will kill most of the germs. Be careful when drinking water from restaurants or other sources.Boiled liquids such tea/coffee (both are distinctly indian test) and bottled soft drinks equivalent coke or spri...
by TomatoTomahto
Tue Apr 08, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: First Trip to India
Replies: 47
Views: 3615
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