Search found 5549 matches

by TomatoTomahto
Wed Mar 29, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Home Intercom Upgrade / Replacement
Replies: 7
Views: 338

Re: Home Intercom Upgrade / Replacement

Doesn't everyone either walk to where the other person is, or text them?
by TomatoTomahto
Wed Mar 29, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: anyone factor in future inheritance?
Replies: 44
Views: 1739

Re: anyone factor in future inheritance?

I sure hope my kids don't factor it in :D
For a bunch of reasons.
by TomatoTomahto
Wed Mar 29, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Withdraw Roth Contributions for Taxable
Replies: 11
Views: 509

Re: Withdraw Roth Contributions for Taxable

livesoft wrote:I think you better go for another jog.

I'm waiting in the eye doctor's waiting room, almost fully dilated, but I laughed out loud, making the other waiters wonder if perhaps I was in the wrong waiting room. Candidate for livesoft's book of memorable one-liners :D
by TomatoTomahto
Wed Mar 29, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Flagship access to closed funds?
Replies: 8
Views: 918

Re: Flagship access to closed funds?

I don't know if it's because we are Flagship or because we are grandfathered in, but we buy $25k, per account, of PRIMECAP. Our son, in an account that was opened before he turned 21, can also buy PRIMECAP. He has since turned 21, with his account now unassociated with us, so we will see if he's sti...
by TomatoTomahto
Tue Mar 28, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 147
Views: 10201

Re: risk of my Tesla deposit

How well did his past lofty claims hold up? What did he say 2 years ago about 2016? His time frames don't often hold up, but his lofty claims of getting a rocket to land safely for reuse, building a Supercharger network, outselling ICE luxury brands, etc., have held up better than I would have pred...
by TomatoTomahto
Tue Mar 28, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Daugther's Credit Card Windfall
Replies: 39
Views: 3534

Re: Daugther's Credit Card Windfall

30 years ago, a consulting client mistakenly gave me two checks for a mid 4 digit amount. At the time, it was a large amount for me. I told the accounting office about it, and they gave me a broad wink and smile, saying they'd never discover it. I told them that I was sure that I'd take $1 of money ...
by TomatoTomahto
Tue Mar 28, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Daugther's Credit Card Windfall
Replies: 39
Views: 3534

Re: Daugther's Credit Card Windfall

Have her call, but if she spends more that 5 minutes in phone menu hell, tell her to wait for them to find the error, which they will.
by TomatoTomahto
Mon Mar 27, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 126
Views: 8892

Re: Tesla Model 3 or Chevy Bolt?

Interesting vignettes Valuethinker, thanks. I admire your broad and detailed knowledge of human affairs. I was tempted to mention Valuethinker in a different post, https://www.bogleheads.org/forum/viewtopic.php?f=11&t=214242 , in which the OP wanted to know the "Best way to expand my vocab...
by TomatoTomahto
Mon Mar 27, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Need advice about massive changes in daughter's college program by dean
Replies: 52
Views: 3595

Re: Need advice about massive changes in daughter's college program by dean

[quote="Bfwolf"]1) Have an open mind. Maybe these changes are not as bad as you think. If you come in with a stubborn "these are our demands" mindset, the meeting will probably not be productive.[/quit] +1 I don't know what major you're talking about, or the exact nature of the c...
by TomatoTomahto
Sun Mar 26, 2017 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Retire Early - Where to Place My Money With the Least Tax
Replies: 6
Views: 684

Re: Retire Early - Where to Place My Money With the Least Tax

The idea is not to pay the least tax but to have the most left over after tax. Gill It's such a simple sentence, and it is so true, but is so often overlooked. OP, in addition to what Gill said, how can we have any clue without more details? Your lifestyle, your assets, your liabilities, your earni...
by TomatoTomahto
Sat Mar 25, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Advice about retirement in the EU (Spain)
Replies: 4
Views: 445

Re: Advice about retirement in the EU (Spain)

Re your kid's college and retiring in Spain. When I was in college and my younger sibling was in HS, my parents retired in Ibiza. I found more excuses to visit them in Ibiza than I had to visit them in New Jersey. :D That was long ago, and things have changed, but I would not preclude a retirement o...
by TomatoTomahto
Sat Mar 25, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 144
Views: 17937

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

Jd1006 wrote:I wouldn't call myself an XC90 fanboy, but I have 30k miles on my 2016 and it has been a terrific vehicle.

I think there are more XC60 fanboys here than XC90, but we are big fans of Volvo. Disclosure: kids own 2 XC60s and 1 S60, but the only one who owned an XC90 is my ex, so, you know... :D
by TomatoTomahto
Thu Mar 23, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. TIRA, am I missing something obvious?
Replies: 23
Views: 1136

Re: Roth vs. TIRA, am I missing something obvious?

There are so many unknowns and variables I don't think it is possible to model the future with any accuracy. Winner, winner, chicken dinner! I have taken the position that tax diversity will probably result in some benefit in the future. Who knows what tax brackets and tax rules will exist in the f...
by TomatoTomahto
Thu Mar 23, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 4623

Re: Vehicles as a percentage of net worth

Is it really that much of a sin to borrow money to pay for a car? I almost always qualify for a <2% loan, sometimes even 0% for x number of months. Wouldn't that be worth it? I wouldn't consider it a sin, maybe just a minor indiscretion :D When I was younger, much younger, I took out loans for cars...
by TomatoTomahto
Thu Mar 23, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 4623

Re: Vehicles as a percentage of net worth

⋅ Figure out what your monthly take-home pay is ⋅ Multiply it by zero, because you have no business borrowing money for a car ⋅ Go pay cash for a car you can afford 8-) I tend to agree, to the point that when we once took out a car loan at 0.9% interest that was offere...
by TomatoTomahto
Thu Mar 23, 2017 9:13 am
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 96
Views: 12502

Re: What % of your income have you converted to wealth?

This measurement is like a Rorschach Test. How you interpret it could reveal whether or not you are a Boglehead. After learning how this measurement is done, my reaction was to calculate my ratio, and try to raise it. The higher the ratio, the higher my savings rate over my lifetime. I think I've s...
by TomatoTomahto
Wed Mar 22, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: child support question
Replies: 38
Views: 1333

Re: child support question

I didn't bad mouth their mother either. But, there was tension between her and I, and it probably showed. Kids see things like that. Famous saying: "you have to love your child more than you hate your ex." I have bitten my tongue often. I have also given in to impulsive statements on occa...
by TomatoTomahto
Wed Mar 22, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 126
Views: 8892

Re: Tesla Model 3 or Chevy Bolt?

Two things to add: If I'm taking a trip, I charge to 90% overnight, but I feel comfortable topping it off to 100% the morning of the trip. Batteries don't mind being at 100% as long as they're not going to be parked that way. There's a new Supercharger (12 stalls) near the Tappan Zee Bridge in Tarry...
by TomatoTomahto
Wed Mar 22, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 290
Views: 36315

Re: What is your favorite consumer product?

I make steel-cut oats in my rice cooker (it has a porridge setting). I put 2 whole fried eggs and three fried egg whites on top. I use egg whites because my wife still believes in the propaganda, but . . . After reading on this forum that several Bogleheads use a rice cooker for steel cut oaks, I a...
by TomatoTomahto
Wed Mar 22, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: child support question
Replies: 38
Views: 1333

Re: child support question

[snip...]I'm truly curious about what state you're in where the DCSE can tell you what the new amount will be without conducting a review of both of your incomes. I don't claim to know the guidelines for every single state but generally the obligation is split pro rata by income in most states. I c...
by TomatoTomahto
Wed Mar 22, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: child support question
Replies: 38
Views: 1333

Re: child support question

yes, there is a chart on the child support website that is followed. For one child, it's 17% of his income. Problem is, I have no idea what his income is now. (he certainly won't tell me either). It could be LESS than what he made 10 years ago, and I'll end up getting less. Do I chance it anyway? I...
by TomatoTomahto
Wed Mar 22, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: child support question
Replies: 38
Views: 1333

Re: child support question

You were very kind to decline the COLAs in the past. I hesitate to call you dumb for doing so; you just have more heart than brain sometimes. It is important to realize that this money is for your child. If you are absolutely rolling in money, you should decline the increase. Since you refer to it a...
by TomatoTomahto
Wed Mar 22, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 126
Views: 8892

Re: Tesla Model 3 or Chevy Bolt?

The Bolt won't be available in all 50 states until September. As just frank says, this could be a sign of a cautious and prudent rollout, or it could be a sign that it's just a compliance car. Gas prices are low, the regulatory environment is likely to be less robust, and maybe some of the pressure ...
by TomatoTomahto
Wed Mar 22, 2017 7:03 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4557

Re: Fidelity vs. Vangard?

True, but that's what I meant by saying it's a pain; you call it annoying, tomato tomahto :D I didn't know if you were aware of that approach. I just started having the problem recently. I wonder if it might get resolved. Other banks require 2FA but Quicken handles it transparently. Considering com...
by TomatoTomahto
Wed Mar 22, 2017 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4557

Re: Fidelity vs. Vangard?

I also have a Fidelity reward credit card. Since they moved from Amex (which worked fine) to Visa (Elan Financial), it's become a PITA to download to Quicken. While annoying, I found a simple workaround. I exclude it from my One-Step Update, then run a separate update from the account register. The...
by TomatoTomahto
Tue Mar 21, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 126
Views: 8892

Re: Tesla Model 3 or Chevy Bolt?

Chevy Bolts are already seeing big discounts: http://autoweek.com/article/green-cars/chevrolet-dealers-pricing-bolt-sell-meaning-markups-and-discounts There might be some good deals out there for anyone interested. I'm sorry to see such a half-hearted launch by Chevy. The more EVs there are, the be...
by TomatoTomahto
Tue Mar 21, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 126
Views: 8892

Re: Tesla Model 3 or Chevy Bolt?

I live in Northern NJ. There are 3 Teslas (soon to be 4) on our block of 8 houses. I frequently drive to Saratoga Springs, NY and New Haven, CT. I have no problem charging. I know people who drive from Boston to Florida regularly.
by TomatoTomahto
Tue Mar 21, 2017 5:50 am
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 79
Views: 3262

Re: Best way to expand my vocabulary?

Another thing to do is to learn the differences between words that are commonly misused: Affect and effect Lose and loose (shudder! this is a loosing battle on social media :D ) Less and fewer There, their, and they're (you'd be surprised how often spell-check changes what you type into gibberish) M...
by TomatoTomahto
Tue Mar 21, 2017 5:16 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 16800

Re: gratuitous homeownership items

Bathtubs - but RE agents tell me I have to keep one. I would like to have zero. What's the deal with this anyhow? I keep hearing it. Is it related to resale value that there's at least one "full" bathroom? I think that the idea is that, in order to appeal to families with young kids, you ...
by TomatoTomahto
Mon Mar 20, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 79
Views: 3262

Re: Best way to expand my vocabulary?

I'm not sure that academic reading is necessary or good, but non-fiction is a plus. Read some John McPhee and Bill Bryson. Both can write about things I wouldn't ordinarily be interested in, but they are masters. For fiction, my two favorites are Richard Russo and Paul Auster. Simple but precise lan...
by TomatoTomahto
Mon Mar 20, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 79
Views: 3262

Re: Best way to expand my vocabulary?

I'm not a native English speaker, but I read a lot earlier in life. I read for pleasure, and didn't make expanding my vocabulary a goal; it's best when it's a serendipitous byproduct of daily activity. My kids read a lot, and often try out words that they've read but never heard. I think it's impor...
by TomatoTomahto
Mon Mar 20, 2017 6:44 am
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 79
Views: 3262

Re: Best way to expand my vocabulary?

I'm not a native English speaker, but I read a lot earlier in life. I read for pleasure, and didn't make expanding my vocabulary a goal; it's best when it's a serendipitous byproduct of daily activity. My kids read a lot, and often try out words that they've read but never heard. I think it's import...
by TomatoTomahto
Sun Mar 19, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 16800

Re: gratuitous homeownership items

We don't squeegee the glass door because that's what the maids do. The repeated mentioning of glass shower doors confuses me. We have had glass shower doors in all of our bathrooms for the past 8 years (2 condos and now a house). We have never squeegeed anything. The cleaners clean them when they c...
by TomatoTomahto
Sun Mar 19, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: facing unexpected capital gains - tax loss harvesting options...
Replies: 44
Views: 1689

Re: facing unexpected capital gains - tax loss harvesting options...

Obviously this is just one scenario (and the ideal one OP is talking about). But surprised we aren't discussing it a little more.. To get losses in 9 months in a portfolio that is neutral in aggregate, sufficient to offset the forced gains will require risks, considerable risks. Penny stocks, 2x - ...
by TomatoTomahto
Sun Mar 19, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: facing unexpected capital gains - tax loss harvesting options...
Replies: 44
Views: 1689

Re: facing unexpected capital gains - tax loss harvesting options...

I don't think 6-figure bonuses for high-tax bracket posters on this forum are unicorn rare. :wink: That's true, but what is different is that this apparently will be an involuntary capital gain event. Many of us get 6 and 7 digit income events around bonuses, but capital gains timing is under our c...
by TomatoTomahto
Sun Mar 19, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: How to figure whether its good to move all IRA into 401k to do backdoor Roth
Replies: 26
Views: 956

Re: How to figure whether its good to move all IRA into 401k to do backdoor Roth

If we invest $11,000 in taxable what will the tax drag be? Assume 33% federal tax bracket and ~2% state tax. How do I calculate the annual tax drag? Can someone calculate this for me? See the spreadsheet referenced in Personal finance toolbox . There is a "Growth in a taxable account" sec...
by TomatoTomahto
Sat Mar 18, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: facing unexpected capital gains - tax loss harvesting options...
Replies: 44
Views: 1689

Re: facing unexpected capital gains - tax loss harvesting options...

So now, rather than pay the taxes on some short term capital gains, you're talking about levering up 2x to 3x. What could possibly go wrong? Picking up nickels in front of a steam roller.
by TomatoTomahto
Sat Mar 18, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: How to figure whether its good to move all IRA into 401k to do backdoor Roth
Replies: 26
Views: 956

Re: How to figure whether its good to move all IRA into 401k to do backdoor Roth

Backdoor Roth only has tax deferred growth as the advantage over taxable, correct?

It has tax free growth as the advantage over taxable.
by TomatoTomahto
Sat Mar 18, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: facing unexpected capital gains - tax loss harvesting options...
Replies: 44
Views: 1689

Re: facing unexpected capital gains - tax loss harvesting options...

Welcome to the forum, patient-investor.

+1 to what avalpert said.

Why not just enjoy your good fortune, without turning it into a search for losses.
by TomatoTomahto
Sat Mar 18, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: rewriting will
Replies: 17
Views: 1098

Re: rewriting will

Never mind
by TomatoTomahto
Fri Mar 17, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4557

Re: Fidelity vs. Vangard?

I would just like to state I prefer the Fidelity for the following reasons not mentioned: - Fidelity rewards credit card (2% cash back) - Fidelity checking account features - for the occasional check-writing, ATM withdrawal I need I know the question regarded investing but it's nice to have the abo...
by TomatoTomahto
Fri Mar 17, 2017 6:08 am
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 147
Views: 10201

Re: risk of my Tesla deposit

And yes, I would agree the loaded cars likely will go first as well. With the X, there was a thriving rumor mill about which options (not just total cost) would be built first. Fo example, the 5 seater option was considerably delayed, which is why I ordered a Performance version of the 6 seater and...
by TomatoTomahto
Thu Mar 16, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Hitting your number
Replies: 13
Views: 1691

Re: Hitting your number

Once we hit our number, I wanted to go to 50/50, but something kept pulling me to 55/45. I decided to quit fighting it, and just agree to 55/45; it's close enough. It all depends on what you want. My wife still works, but we could live on SS alone if we absolutely had to when she retires, and any ad...
by TomatoTomahto
Thu Mar 16, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4557

Re: Fidelity vs. Vangard?

TN_Boy wrote:Their website is (to me) 10 times better. Maybe 100 times better .... I always hated having to do anything on the vanguard website.

. . . and that's what makes horse races. I don't care for Fidelity's web site, but have no trouble with Vanguard's. My wife likes ice cream; I prefer sorbet.
by TomatoTomahto
Thu Mar 16, 2017 6:59 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 4557

Re: Fidelity vs. Vangard?

Fidelity has held an edge in service for a long time. MYTH! :oops: That said, there are already a gazillion threads on this. Mods need to merge them. I have had accounts with both for decades. We only have 2 left at Vanguard. The difference in service, availability and knowledge level of personnel ...
by TomatoTomahto
Wed Mar 15, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Cost of Dental Implant
Replies: 63
Views: 4612

Re: Cost of Dental Implant

My dentist told me that I would need a dental implant in the future. I said : is too expensive. I wonder why people do not do Jacket crowns. When 15 years old I once broke off a front tooth at the gum line. The dentist left the remaining tooth and roots in place and put a gold 'pin' in it, then pla...
by TomatoTomahto
Wed Mar 15, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)
Replies: 25
Views: 1319

Re: should I baulk at this used plug-in hybrid? (Ford C-Max Energi)

Love your brevity :) My utility is currently offering $10,000 off a new LEAF (excludes all other dealer incentive). Still can't justify a new one though when 2013's can be had for $8K. Thinking about eBay, given that I'm in flyover country with EVs far and few between. I don't know. 17500 (includin...
by TomatoTomahto
Wed Mar 15, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: $464.12 dinner bill last night. No regrets.
Replies: 78
Views: 9567

Re: $464.12 dinner bill last night. No regrets.

Thank you for sharing your Thankfullness. Your family did well.
by TomatoTomahto
Tue Mar 14, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Employer Retirement Plans, default contributions
Replies: 6
Views: 289

Re: Employer Retirement Plans, default contributions

Wow, that's practically a 200% return every pay period. What an extremely generous plan - good for you for taking advantage! :beer I've heard that a certain makeup company automatically contributes 15% of their employee's salaries into a 401k, but never have confirmed it. Yes, but by the end, it ha...

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