Search found 5447 matches

by TomatoTomahto
Fri Feb 24, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 1099B - when is it safe to import for taxes?
Replies: 9
Views: 395

Re: Vanguard 1099B - when is it safe to import for taxes?

I know 1099Bs can change after reporting. My question is when is it safe to download/import them and file taxes? Now? Late March? You can check the 1099-B against your own records. If you sold shares, you know what you paid for them, and it should match the 1099-B. The adjustments you might not kno...
by TomatoTomahto
Fri Feb 24, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 1099B - when is it safe to import for taxes?
Replies: 9
Views: 395

Re: Vanguard 1099B - when is it safe to import for taxes?

Are all the shares covered (i.e., purchased 2012 or after)?
by TomatoTomahto
Thu Feb 23, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Best fencing for a dog
Replies: 35
Views: 1532

Re: Best fencing for a dog

Let's remember most dogs are only getting one or two shocks period. I think its highly effective. I do recommend that anyone using using an invisible fence hold the collar in their hand, walk up to the fence and get shocked so they know exactly what it is. I think it would also be instructive to ha...
by TomatoTomahto
Thu Feb 23, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Best fencing for a dog
Replies: 35
Views: 1532

Re: Best fencing for a dog

I have a similar (but larger area) setup and a 1 yo labradoodle. I have about 70% of the perimeter fenced by neighbors fences in various states of repair. (that is, lots of gaps that I can't fix). I assume electric fence (which is for cattle) means 'invisible fence'. I was worried about the expense...
by TomatoTomahto
Wed Feb 22, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Best fencing for a dog
Replies: 35
Views: 1532

Re: Best fencing for a dog

Electronic fences work but I would not subject an animal to that, besides I believe they are expensive and I am not sure but I think the animal has to be beyond being a young puppy in age where they will work. IMO, "subjecting" my dogs to a few short shocks early in their training wasn't ...
by TomatoTomahto
Wed Feb 22, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Best fencing for a dog
Replies: 35
Views: 1532

Re: Best fencing for a dog

Electric Fence :happy I've used an electric fence with two dogs. Beagle had to be set to shock only, no warnings, because otherwise she'd drain the battery. My pit won't go outside the fence boundary even if she's not wearing the collar. She has to be driven over the boundary in a car if we want to...
by TomatoTomahto
Tue Feb 21, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall, investing, insurance?
Replies: 39
Views: 1709

Re: Windfall, investing, insurance?

Thank you for the pointers. I like most of this, but have a question or two. - why pay off low-interest debt? Debt at 3.25% while earning 5+% in other accounts seems like a win. Paying of the debt is a losing return, right? - emergency fund...yep, we have that easily established...all we need to do...
by TomatoTomahto
Tue Feb 21, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Tesla Model X Review, 2 Months In
Replies: 39
Views: 4115

Re: Tesla Model X 2 Months Review

Second, I fully know that Autopilot/autosteer on hardware 2.0 will be lagging hardware 1.0 when purchased. I didn't enable autopilot on my car when I bought my car because we almost crashed to the median on the hwy while test driving the first generation Model X (hardware 1). I thought it'd give it...
by TomatoTomahto
Tue Feb 21, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Windfall, investing, insurance?
Replies: 39
Views: 1709

Re: Windfall, investing, insurance?

This is when we really miss "Old Meph." OP, I haven't read this thread carefully, but there is a reason everyone without a vested interest is opposed to WLI. There might be an exception if you inherited an amount well into 8 digits, but I'm assuming that's not the case. The salespeople mig...
by TomatoTomahto
Mon Feb 20, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: Tesla Model X Review, 2 Months In
Replies: 39
Views: 4115

Re: Tesla Model X 2 Months Review

Fwiw, btw, my wife's Audi had a transmission issue that made it unsafe, her Supercharged Range Rover has had a creaking headliner since day 1 that the dealer "can't replicate," and that car cost about the same (after incentives) as my Model X and costs much more to operate. I'll happily t...
by TomatoTomahto
Mon Feb 20, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Tesla Model X Review, 2 Months In
Replies: 39
Views: 4115

Re: Tesla Model X 2 Months Review

I would not ordinarily buy a car in its first year if it's a "me too" kind of car. The things that the X shares with the S (drivetrain, etc) have had no issues in my X. Most of my complaints have been related to creaks, rattles, and wind noise. I am not convinced that they bother me becaus...
by TomatoTomahto
Mon Feb 20, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Anyone have a house keeper ("Mommy's" helper)?
Replies: 23
Views: 2265

Re: Anyone have a house keeper?

We have one, a nanny that we didn't have the heart to let go after the kids no longer needed a nanny. She is willing to pet sit when we go away, she does around half of the grocery shopping, does all of the laundry and cleaning. She works ~30 hours a week for us, and has some other clients that she ...
by TomatoTomahto
Sun Feb 19, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4910

Re: Tesla Model 3 or Chevy Bolt?

The bottom line for me is that I'm still extremely happy with my Model S, and at this point wouldn't be interested in owning anything besides a Tesla as my main vehicle. As it currently stands, I am happy to own my Tesla X, but that's not to say that in 5 years something else might not be better. M...
by TomatoTomahto
Sun Feb 19, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4910

Re: Tesla Model 3 or Chevy Bolt?

That's why I said "virtually" every Tesla owner, which means nearly/almost. Obviously, you are one of the exceptions. I absolutely do not think everyone who is fine with Tesla is drinking the Kool-Aid. You are a perfect example. You are right. I was rushing out the door, and missed the &q...
by TomatoTomahto
Sun Feb 19, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4910

Re: Tesla Model 3 or Chevy Bolt?

I have a Model X with hardware 2.0. It's spent more time in the shop than I've spent driving. It's in the shop now. Seems like I should have sprung the $ for 2 Jaguars. The good news is that the loaners they gave me, a S 85 and a SP85D. The P85D is fast and is fun to drive, although the autopilot i...
by TomatoTomahto
Sat Feb 18, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy on kids - prudent?
Replies: 35
Views: 1962

Re: Life insurance policy on kids - prudent?

Just to be a counter balance i have heard one reasonable argument. Loss of a child can be so emotionally destructive as to make continue work/employment difficult and loss is also often financially difficult because people spend a lot trying to either safe or honor their children. So a policy could...
by TomatoTomahto
Sat Feb 18, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: 1095-C from ex employer; don't think we are covered?
Replies: 3
Views: 374

1095-C from ex employer; don't think we are covered?

DW just received a Form 1095-C from a previous employer, Megacorp1. She is currently employed by Megacorp2, through whom she got family medical coverage for every month of 2016. As we understood it, she would be eligible for retiree health coverage through Megacorp1 but we didn't think that came int...
by TomatoTomahto
Fri Feb 17, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4910

Re: Tesla Model 3 or Chevy Bolt?

[snip...] Speaking of technology, not much mention has been made of autopilot. Does Bolt have this? Autopilot in the Tesla is a huge plus for me, and I would not want to go back to a car without it. I assume that the new version of Autopilot will be at least on par with the older version (which I h...
by TomatoTomahto
Fri Feb 17, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: PC replacement time
Replies: 30
Views: 2441

Re: PC replacement time

I recently ordered a Dell desktop with only a 512GB SSD. I already have a 3 TB external drive that is good enough for my larger files (e.g., photos) and files that I don't use often. I also use CrashPlan to back up my data every 15 minutes or so, with version control, which will be a handy way to re...
by TomatoTomahto
Wed Feb 15, 2017 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Please - Am I Doing This Right or Do I Need an Advisor Like All My Friends?
Replies: 20
Views: 2427

Re: Advice Please - Am I Doing This Right or Do I Need an Adviser Like All My Friends?

I'm dumb, but not so dumb that I can't manage the investments of our 401k, backdoor Roth, and taxable, approaching 8 digits. I guess that makes your friends with advisors even dumber than me!
by TomatoTomahto
Tue Feb 14, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10109

Re: Bogleheads not the norm?

It doesn't seem like being a Boglehead is about how much you make, but how you handle the amount you make. Plenty of people make and spend 500k a year. A Boglehead would make 500k and save/invest 200k. Plenty of people make and spend 40k a year. A Boglehead would make 40k and save/invest 15k. Or, a...
by TomatoTomahto
Tue Feb 14, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2017 Deluxe - Amazon Price ($35) vs. Quicken ($65)
Replies: 4
Views: 327

Re: Quicken 2017 Deluxe - Amazon Price ($35) vs. Quicken ($65)

And Amazon will make the software available for you to download again if you get a new PC
by TomatoTomahto
Tue Feb 14, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10109

Re: Bogleheads not the norm?

It doesn't seem like being a Boglehead is about how much you make, but how you handle the amount you make. Plenty of people make and spend 500k a year. A Boglehead would make 500k and save/invest 200k. Plenty of people make and spend 40k a year. A Boglehead would make 40k and save/invest 15k. Or, a...
by TomatoTomahto
Mon Feb 13, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have $0 in cash (except for bills), not even an emergency fund?
Replies: 45
Views: 2186

Re: Does anyone have $0 in cash (except for bills), not even an emergency fund?

I sometimes have cash, sometimes don't, but our portfolio is sufficiently large not to have an explicit emergency fund.
by TomatoTomahto
Mon Feb 13, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6122

Re: Child on the Way - What to do for College Financing?

Posters on this forum assure me that the facts taught at 3 rungs down are the same as above, the teaching quality is the same, employers won't care, and the college experience is overrated. Careful. As Ray Wylie Hubbard says " The problem with irony is that some folks just don't get it." ...
by TomatoTomahto
Sun Feb 12, 2017 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6122

Re: Child on the Way - What to do for College Financing?

Ron, who knows if thIngs will be reasonably similar or not, but there's a pretty clear shot at lower cost, at least under the current system: 1 - make sure your kid functions at a level to be accepted at HYPMS. Kid doesn't actually have to apply, since need based financial aid will not be to your li...
by TomatoTomahto
Sun Feb 12, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Which 25X is it? [Planning for retirement]
Replies: 51
Views: 3042

Re: Which 25X is it?

dbr wrote:Retirement is more complicated than a simple formula. That is why there are programs to model the process.

I agree, but still chimed in with a view. Fwiw, I refer to ESPlanner to model our retirement.
by TomatoTomahto
Sun Feb 12, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Which 25X is it? [Planning for retirement]
Replies: 51
Views: 3042

Re: Which 25X is it?

I agree with C. Would be more comfortable with 30x or 40x, but it's against C.
by TomatoTomahto
Sun Feb 12, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: College student looking for advice
Replies: 24
Views: 1239

Re: College student looking for advice

I love that you are too conservative to invest in the stock market but you want to buy a $1M apartment and a Lambo. My kids are inheriting $900K when they turn 18 and this post is exactly what I am afraid of. My advice is don't make any major financial decision when you are 20 years old. House, ret...
by TomatoTomahto
Sat Feb 11, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for college for 2 kids: 3 and 0
Replies: 80
Views: 3155

Re: Saving for college for 2 kids: 3 and 0

Hey, who does not want their newborn to go to Harvard? Answer: the parent of a Yale student. :D This topic is a perennial one here, and my stamina is lower than that of the opposing side of the argument, so I'm not entering the discussion other than to say that I feel, strongly, that: 1 - fit matte...
by TomatoTomahto
Fri Feb 10, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: After Roth, is the only investing option in a taxable account?
Replies: 17
Views: 1446

Re: After Roth, is the only investing option in a taxable account?

If either of you are self-employed, you could set up a solo 401k. There are HSAs for health expenses and 529s if you have kids. If you don't like the idea of paying taxes on investments, look into tax exempt bond funds. If it were me, and I were self-employed, I wouldn't bother with a solo 401k for...
by TomatoTomahto
Fri Feb 10, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: After Roth, is the only investing option in a taxable account?
Replies: 17
Views: 1446

Re: After Roth, is the only investing option in a taxable account?

If you've done the 529 and retained HSA route (if appropriate and available), taxable is probably all that's left. There's nothing wrong with taxable savings. We have a large percentage of our NW in taxable. Use Total Stock Market (TSM) or tax-free bonds if appropriate. TSM does not throw off much a...
by TomatoTomahto
Fri Feb 10, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6122

Re: Child on the Way - What to do for College Financing?

I probably shouldn't comment since I'm not a parent (or even almost one, like the OP), but if I were, college financing would be the very lowest priority of everything I'd be thinking/worrying about. For all we know, by the time this child could even consider college, or whatever replaces it, that ...
by TomatoTomahto
Thu Feb 09, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6122

Re: Child on the Way - What to do for College Financing?

livesoft wrote:But, but, but! It is sooo-o-o-o much fun seeing brand new parents sweat the meaningless stuff from the other side of the BTDT fence. :)
Heck, OP isn't even a "brand new parent," he's a brand new parent-to-be! But, agreed, it's fun 8-)
by TomatoTomahto
Thu Feb 09, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6122

Re: Child on the Way - What to do for College Financing?

This thread is about a child that hasn't been born yet, and its hypothetical younger siblings. I don't think they have ECs yet. Yes, thIs is pretty silly. If we knew OP's child, even as an early teen, we could venture meaningful strategies. As far as the limits OP places on financial support for hi...
by TomatoTomahto
Wed Feb 08, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6122

Re: Child on the Way - What to do for College Financing?

Another data point: There are jobs on campus for students that are not work-study jobs, so even students with no financial aid can get jobs. And many more off-campus, as well. One of my kids last year made more than 50% of his full pay cost of attendance to Yale, working at an internship and on cam...
by TomatoTomahto
Wed Feb 08, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6122

Re: Child on the Way - What to do for College Financing?

"Source that backs up this "statistically speaking" fact?" I just googled family income vs college graduation per cent and there were dozens of 'hits'. Here is the one that was on the top of my page from 2015 in the WSJ... https://www.wsj.com/articles/big-gap-in-college-graduati...
by TomatoTomahto
Wed Feb 08, 2017 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 162
Views: 12059

Re: Quicken's future direction - a cause for concern

I'm with cbeck. The only thing worse than Quicken is everything else. I will happily (no, wait, begrudgingly) pay $100 per year if they retain current features and fix bugs. It provides more utility for me than that, so I'd pay a bit more if necessary, maybe $200. I tried a couple of times to conver...
by TomatoTomahto
Tue Feb 07, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6122

Re: Child on the Way - What to do for College Financing?

Statistically speaking, if the parents are uneducated and not making much money, the chances of the child making a bad decision (wrong major, can't make the grades, gets into heavy debt that can't be paid), are much higher than a middle to upper-middle class family. Source that backs up this "...
by TomatoTomahto
Tue Feb 07, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6122

Re: Child on the Way - What to do for College Financing?

flyingbison wrote:
DaftInvestor wrote:- Contrary to folklore a LOT of folks pay full sticker price so don't listen to the "nobody pays full sticker price" myth.


How do you define "a lot?"

At Yale, I've seen numbers between 45% and 49% being full pay.
by TomatoTomahto
Tue Feb 07, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: College kids driving cars (to live off campus)
Replies: 44
Views: 2709

Re: College kids driving cars (to live off campus)

A tip on bike riding in snow: Skinny tires are the best since they slice through snow, while mountain bike tires are the hardest since they have to displace a lot more snow. So if one wants more of a workout: mountain bike in snow, otherwise a nice road bike will be easier. While this is true, a fa...
by TomatoTomahto
Fri Feb 03, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 23284

Re: Annual Vacation Budget

^^ ditto for utilities on CC in Northern NJ. No additional fees.
by TomatoTomahto
Thu Feb 02, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 8080

Re: How do you guys ignore this stuff?

I spend my "media time" on The New York Times, The New Yorker, Bogleheads, and College Confidential. If I absolutely need a fix of TV news, which seldom happens, it's the BBC. I don't click on click bait. Less is more. I feel no more need to read financial news of the financial porn variet...
by TomatoTomahto
Wed Feb 01, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Should I say YES or NO to this new job responsibility?
Replies: 44
Views: 3636

Re: Should I say YES or NO to this new job responsibility?

We were in a completely different field (software development), so I don't know if the results would be the same. DW and I never turned down opportunities to be more valuable. It worked out well for me, and fabulously for her. The money always showed up, with interest. Your field might be different....
by TomatoTomahto
Mon Jan 30, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 257
Views: 31341

Re: What is your favorite consumer product?

linenfort wrote:The downside is that there is a wait. First, you have to wait until the water reaches the desired temp, and then you have to cook for 40-45 minutes.

Which, happily, is how long my steel-cut oats take. :D
by TomatoTomahto
Mon Jan 30, 2017 12:03 am
Forum: Investing - Help with Personal Investments
Topic: How to distribute a large lump sum?
Replies: 3
Views: 432

Re: How to distribute a large lump sum?

hyper1984 wrote:However, I know that in general, dollar cost or value averaging is better.

Really? How do you know this, and in what context? It might be better psychologically, if regret avoidance is a high priority, but financially, more time in the market is better.
by TomatoTomahto
Sun Jan 29, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Please tell me if I can afford this Porsche
Replies: 81
Views: 5184

Re: Please tell me if I can afford this Porsche

[snip...] Now I can afford one with relative ease. I look at the title. I look at the text. I look at the title. I look at the text. I look at the title. I look at the text. You Porsche fans are funny in how you ask and answer questions. :D Pay off the loan first, then test drive a Tesla. If you st...
by TomatoTomahto
Sun Jan 29, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to Fill Out Nanny W-2 When Paying Her Portion of FICA
Replies: 16
Views: 886

Re: How to Fill Out Nanny W-2 When Paying Her Portion of FICA

In your experience, for a household worker, how often are wages grossed up? Compliance in this area generally is so poor that there is no number that would surprise me. Payroll services and experienced CPAs are probably the only things keeping this number mildly north of 0%. Mule Now that I know th...
by TomatoTomahto
Sun Jan 29, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Drivers License May not be good for air travel?
Replies: 47
Views: 4315

Re: Drivers License May not be good for air travel?

Edited... Has anybody, except me and my best friend of 55 years, become so afraid of flying and annoyed by the inconveniences that they too have said they will never fly? The implication is that I would actually let my passport of about 45 years just expire in a year. I can't say that I'm afraid of...

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