Search found 5383 matches

by TomatoTomahto
Tue Jan 24, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Reluctant to roll over 403b to IRA because of available institutional grade funds
Replies: 6
Views: 246

Re: Reluctant to roll over 403b to IRA because of available institutional grade funds

My suggestion, since you sound happy where you are, is to tell the advisor to pound sand. In the nicest possible way. Don't just do something, stand there!
by TomatoTomahto
Tue Jan 24, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Is a backdoor Roth IRA really worth it?
Replies: 21
Views: 1775

Re: Is a backdoor Roth IRA really worth it?

I like the idea of a solo 401k Establishing a solo 401(k) for the IRA rollover is a great option if you current employer's 401a/403b does not have access to low-cost funds. Unless the current employer's 401a/403b has only horrific funds, I would keep it simple and roll into it. The other way seems ...
by TomatoTomahto
Tue Jan 24, 2017 5:52 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2290
Views: 565900

Re: What Movie Have You Recently Watched?

If memory serves, Jean Shepherd's radio show was the only non-music show that I listened to on my transistor radio.
by TomatoTomahto
Mon Jan 23, 2017 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Is a backdoor Roth IRA really worth it?
Replies: 21
Views: 1775

Re: Is a backdoor Roth IRA really worth it?

Right, I'm trying to figure out is if having backdoor IRAs are worth the hassle of rolling over all my current traditional IRA to my employer 401(a). I guess that depends in part on how much less good the employer fund choices are than your IRA. Fwiw, we felt that the ability to add $6500 (age>50) ...
by TomatoTomahto
Mon Jan 23, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with bonus
Replies: 12
Views: 1422

Re: What to do with bonus

ETA: realtors advising buying real estate? Wow! Quelle surprise! Next you'll tell me that a barber suggested a haircut :D
by TomatoTomahto
Mon Jan 23, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with bonus
Replies: 12
Views: 1422

Re: What to do with bonus

Income is income. I would suggest that she put aside enough to pay for taxes the following year and also make sure that she falls into some safe harbor, as they are unlikely to withhold enough. We have this experience every year, as much of DW's compensation comes in the form of a bonus and vesting ...
by TomatoTomahto
Sat Jan 21, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Reflecting the value of pre-IPO shares in Net Worth
Replies: 20
Views: 1089

Re: Reflecting the value of pre-IPO shares in Net Worth

I'm always confused by the whole net worth "thing." Who wants to know? If it's only you, do whatever works for you. If it's someone else, they should tell you what to include. Personally, I have a graph in Quicken that includes various things, but I think that the "Net Worth" num...
by TomatoTomahto
Fri Jan 20, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 68
Views: 5540

Re: East Coast And Work/Life Balance

an_asker wrote:
TomatoTomahto wrote:[...]We agree. My post was in response to wilked.

I realized that, but accidentally responded to yours as it was the last that included my post :-) Apologies for roping your post in!!

Okay, no problem, :sharebeer
by TomatoTomahto
Fri Jan 20, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 68
Views: 5540

Re: East Coast And Work/Life Balance

Why do you guys move so much? Maybe a job that requires husband to move? Why wouldn't it be the wife's job that causes them to move? I'm usually at the front of the line disagreeing when gender bias raises its head, but OP did say she was on maternity leave and working remotely, so it was probably ...
by TomatoTomahto
Fri Jan 20, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot 8.0
Replies: 59
Views: 3642

Re: Tesla Autopilot 8.0

You mean like this? https://m.youtube.com/watch?v=FadR7ETT_1k That's awesome! My incident was much less dramatic (no collision took place), but similar in that my car took action before I could see the car in front of the car I was behind. You'll note that in the video, the car acts before a human ...
by TomatoTomahto
Fri Jan 20, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot 8.0
Replies: 59
Views: 3642

Re: Tesla Autopilot 8.0

I would not trust that new Automatic software. There was just a case in court where Tesla Auto software did not see a truck and killed the driver. I bet I have a lot lot more experience in driving in many many situations than that software has! I am a retired engineer who programmed automatic softw...
by TomatoTomahto
Fri Jan 20, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 68
Views: 5540

Re: East Coast And Work/Life Balance

We moved quite a bit in the last 8 years and all within the southern states (last few years, mostly within Texas). Why do you guys move so much? Maybe a job that requires husband to move? Why wouldn't it be the wife's job that causes them to move? I'm usually at the front of the line disagreeing wh...
by TomatoTomahto
Fri Jan 20, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot 8.0
Replies: 59
Views: 3642

Re: Tesla Autopilot 8.0

How does that work in a freeway slow down? I routinely swerve into the repair lane to avoid cars in front and back in a panic stop. This maneuver has saved me many time from a wreck. I would believe that an "auto-piloted" car would not be following too close for the speed and not have to ...
by TomatoTomahto
Fri Jan 20, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 68
Views: 5540

Re: East Coast And Work/Life Balance

Hmm, I think there are many folks on the East Coast who would say that getting home at 6 p.m. is not late at all! If my wife was back at 6PM, I'd assume she got fired. She's lucky to make the 6:08 train. NJ is okay if you're working in NYC and banking the proceeds. Between taxes (income, property, ...
by TomatoTomahto
Fri Jan 20, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 3493

Re: Basic question on Hybrid cars

^ Word.
by TomatoTomahto
Thu Jan 19, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot 8.0
Replies: 59
Views: 3642

Re: Tesla Autopilot 8.0

btenny, I suggest you take a test drive in a Tesla and have them explain it to you. It's much easier than writing about it if you can see it in action. All Tesla updates of software are free and installed over-the-air when your car is parked. I get an update once a month of the software, give or tak...
by TomatoTomahto
Thu Jan 19, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot 8.0
Replies: 59
Views: 3642

Re: Tesla Autopilot 8.0

just fyi. tbh, I haven't read it completely yet, but I expect it to be positive

https://techcrunch.com/2017/01/19/nhtsa ... reduction/
by TomatoTomahto
Thu Jan 19, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 3493

Re: Basic question on Hybrid cars

If you want to see where the EV chargers are, there is a free mapping app called 'plugshare' for smart phones and the web. http://www.plugshare.com/ Wow! Many places near where I live! Never realized it. It's a bit like the "cocktail party effect." Until I got my Tesla, I didn't "per...
by TomatoTomahto
Thu Jan 19, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 3493

Re: Basic question on Hybrid cars

"If you can afford to look into the Tesla model 3 the future is here already" They will be a serious contender for us when they can run well over 100 miles when the weather is 10 and its snowing. In the NE here we cant just leave it home when we have those conditions .... maybe soon. I ha...
by TomatoTomahto
Tue Jan 17, 2017 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Disheartening to hear this about Vanguard
Replies: 33
Views: 6350

Re: Disheartening to hear this about Vanguard

I've never sold anything in taxable and hope I never have to, it sounds like a huge PITA. I've never sold anything in my single-fund taxable account either. When I opened it 20+ years ago I didn't know anything about cost basis; I just knew about saving. I diligently invested throughout the year --...
by TomatoTomahto
Sun Jan 15, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Online legal service/form - simple will?
Replies: 12
Views: 732

Re: Online legal service/form - simple will?

If your children are young, I disagree with your assertion that you "don't have a complex situation." My kids are older, and I have an old will, but I'm looking into hiring an attorney to set up trusts for us.
by TomatoTomahto
Sat Jan 14, 2017 7:02 pm
Forum: Investing - Theory, News & General
Topic: Emergency fund of a different kind [funds held outside of US]
Replies: 53
Views: 2152

Re: Emergency fund of a different kind [funds held outside of US]

I don't understand the problem. Open a foreign bank account or 10, and wire money. Buy a CD or a sovereign bond or whatever in the local currency. I know that not every bank will want to deal with you, but with the number of individuals and corporations that have money offshore, it is is possible. ...
by TomatoTomahto
Sat Jan 14, 2017 3:18 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't everyone do a traditional IRA/401k instead of a Roth?
Replies: 132
Views: 7323

Re: Shouldn't everyone do a traditional IRA/401k instead of a Roth?

As far as the Roth401k goes, I always operated under the assumption that....if you can afford to contribute the maximum allowable amount each year, the Roth401k made more sense because you could contribute a larger amount each year, thus compounding to a greater future value. With both having a lim...
by TomatoTomahto
Sat Jan 14, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't everyone do a traditional IRA/401k instead of a Roth?
Replies: 132
Views: 7323

Re: Shouldn't everyone do a traditional IRA/401k instead of a Roth?

The other factor is that a Roth is a great way to pass on tax-free inheritance to kids. If you are fortunate enough to believe you won't ever need your Roth money, there is no RMD while you live. So, the entire amount continues to compound, tax free. When you die, it gets passed to your heirs. They...
by TomatoTomahto
Fri Jan 13, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: what local pharmacy?
Replies: 57
Views: 2845

Re: what local pharmacy?

We get a lot through CVS/Caremark mail order. The one time a shipment was delayed, and the gel packs were at room temperature, they replaced the meds, with only a moderate amount of hassle. The shipping containers are incredibly well insulated, and they use an excess of caution in ensuring that ther...
by TomatoTomahto
Fri Jan 13, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: What to do when an IRA is no longer tax-deferred? (RMDs!)
Replies: 18
Views: 1971

Re: What to do when an IRA is no longer tax-deferred? (RMDs!)

I should have expressed myself more carefully, Watty. Yes, I do understand that my IRA is still a tax-deferred account. I was trying to account for the fact that my new yearly RMD (which I know will be a changing % of my previous year-end balance) will henceforth be added to my Adjusted Gross Incom...
by TomatoTomahto
Thu Jan 12, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 26
Views: 1618

Re: Car accident . Fix car or not ?

Getting a used Tesla has the advantage of free lifetime Supercharging, but it sounds like that's less of a benefit for you. I don't know the prices on CPO Teslas, but I have heard that they're competitive. I think Tesla is changing the free for life supercharging and CPO teslas may not get this fea...
by TomatoTomahto
Thu Jan 12, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3686

Re: Weight machine vs free weight

MStrambolo, getting a personal trainer is good advice for readers of this thread. In my particular case, I've had trainers for longer than I can remember (at least 25 years).

I get a discount if I promise not to tell anyone I train with them. :sharebeer
by TomatoTomahto
Thu Jan 12, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 262
Views: 16474

Re: Annual Vacation Budget

As one with Asperger's, NYC and Disney are literally my nightmare due to the overload of sensory input (huge crowds, loud noises, bright lights). I've been to NYC once, never again; it was overwhelming and a miserable experience. Disney, I have two young kids so it is inevitable; seeing how much th...
by TomatoTomahto
Thu Jan 12, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Where Can a Self-Supporting Retiree Move?
Replies: 32
Views: 3471

Re: Where Can a Self-Supporting Retiree Move?

jrtexas wrote:California will eat him alive in taxes. Another thing about living overseas is the Netflix sucks and CNN is your main news source.

I think they still have newspapers and magazines overseas.
by TomatoTomahto
Thu Jan 12, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Multiple Job Offers
Replies: 5
Views: 739

Re: Multiple Job Offers

I'm not in HR, so take it for what it's worth. I see no issue in calling and asking to move up the interview date. What's wrong with being honest and saying that you have an offer, but the company you are really excited about working for is X? Also, I would be wary of accepting job 1, then a week l...
by TomatoTomahto
Thu Jan 12, 2017 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 26
Views: 1618

Re: Car accident . Fix car or not ?

I can't determine what makes more sense for you, but I strongly favor going for an EV (CPO Tesla, Bolt, Or Tesla III). As much as I love the Tesla III, it is likely to be delayed more than one would hope. Getting a used Tesla has the advantage of free lifetime Supercharging, but it sounds like that'...
by TomatoTomahto
Wed Jan 11, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3686

Re: Weight machine vs free weight

I used to have a lot of shoulder pain while bench pressing. I would use a lot of machines and the barbell. After swapping to dumbbells, my pain went away. The idea was the same... the barbell keeps my hands in a certain position throughout the movement, and it didn't fit my body. That's the same re...
by TomatoTomahto
Wed Jan 11, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 262
Views: 16474

Re: Annual Vacation Budget

Wow... Im really taken back by some of the numbers being thrown around here. Where are you guys traveling??? I can go to St. John USVI for 2 weeks under $3,500. 8-) We stayed at a very nice hotel on Seven Mile Beach in Grand Cayman and ate at nice restaurants. We flew steerage class. We arrived on ...
by TomatoTomahto
Wed Jan 11, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: NJ sales tax reduced from 7% to 6.875%; NJ estate tax exclusion amount increased to $2 million
Replies: 29
Views: 2487

Re: NJ sales tax reduced from 7% to 6.875%; NJ estate tax exclusion amount increased to $2 million

209south wrote:Having said all that, my property taxes crossed $61,000 this year (not a typo), so my new focus is downsizing to something more sustainable, hopefully locally!!
Man, I thought we were being treated roughly for crossing over $40k! Now you've made me really nervous about the reassessment in town.
by TomatoTomahto
Wed Jan 11, 2017 8:28 am
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 100
Views: 13206

Re: Sad News About a Respected Forum Member

Does Bogleheads forum have a dedicated space, like "hall of fame," where respected forum members' invaluable advice and their profiles such as Old Meph's are archived? Previously posted, To everyone who doesn't know Old Meph by his reputation, keep reading his old posts and you'll learn a...
by TomatoTomahto
Wed Jan 11, 2017 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTSAX Admiral Funds
Replies: 25
Views: 2658

Re: Vanguard VTSAX Admiral Fund

Welcome to the forum. Don't worry about asking seemingly obvious questions; I assure you that even old hands (myself included) have asked questions that afterwards were headsmackers :D If you're uncomfortable buying the Admiral shares, Investor shares are also available. The expense ratio is higher,...
by TomatoTomahto
Wed Jan 11, 2017 6:18 am
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3686

Re: Weight machine vs free weight

pingo wrote:I don't see Soloflex Muscle Machines or Soloflex Adjustable Handweight systems at Amazon. And we might be talking about different things?

I apologize, to you and Soloflex; it was BOWFLEX SelectTech 552.
by TomatoTomahto
Tue Jan 10, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: NJ sales tax reduced from 7% to 6.875%; NJ estate tax exclusion amount increased to $2 million
Replies: 29
Views: 2487

Re: NJ sales tax reduced from 7% to 6.875%; NJ estate tax exclusion amount increased to $2 million

@209south, good luck, but I'm assuming no chance for us to stay under the cap. Even before RMDs.
by TomatoTomahto
Tue Jan 10, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3686

Re: Weight machine vs free weight

at your age, I would recommend staying away from free weights. Especially if you have neck or back problems. resistance/crossbow machine will save your neck and back and allow you to workout safely and without injury. Years ago, I had back pain. I was told to avoid squats. When I started weight tra...
by TomatoTomahto
Tue Jan 10, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to approach getting new wills, trusts, with a blended family
Replies: 51
Views: 2480

Re: How to approach getting new wills, trusts, with a blended family

Matahari wrote:But just make sure that you are not only relying on odds to provide an increase in your wife's Federal exemption.
:confused I'm not sure I know what you mean :confused
by TomatoTomahto
Tue Jan 10, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3686

Re: Weight machine vs free weight

Re adjustable dumbbells: I was ready to finalize a purchase on Amazon, and then read a review about weights falling off the Soloflex. That frightened me, but a rack of dumbbells of various weights isn't so great either. Has anyone heard of getting injured with an adjustable dumbbell because of weigh...
by TomatoTomahto
Tue Jan 10, 2017 6:26 am
Forum: Personal Finance (Not Investing)
Topic: How to approach getting new wills, trusts, with a blended family
Replies: 51
Views: 2480

Re: How to approach getting new wills, trusts, with a blended family

It is hard for me to imagine remarrying someone wealthy who didn't treat my children equally upon death. It just seems like this will lead to hard and hurt feelings. Doesn't really facilitate keeping the kids relationships going after your deaths either. It's outside the scope of what's appropriate...
by TomatoTomahto
Tue Jan 10, 2017 6:14 am
Forum: Personal Finance (Not Investing)
Topic: How to approach getting new wills, trusts, with a blended family
Replies: 51
Views: 2480

Re: How to approach getting new wills, trusts, with a blended family

Also, unless Federal estate tax laws change, keep in mind that your wife has an individual Federal estate tax exemption of $5.45 million for bequests that she makes to anyone other than you, so other bequests that she intends to make -- token bequests to her stepchildren and the remainder to be div...
by TomatoTomahto
Mon Jan 09, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2290
Views: 565900

Re: What Movie Have You Recently Watched?

MrNewEngland wrote:Is "Billions" worth watching? My man-crush Damian Lewis is in it but after that steaming turd called "Dreamcatchers" I'm going to need a recommendation.

I think it's not very good. Over-acted, implausible, it's hard to watch the screen when you're constantly rolling your eyes.
by TomatoTomahto
Mon Jan 09, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to approach getting new wills, trusts, with a blended family
Replies: 51
Views: 2480

Re: How to approach getting new wills, trusts, with a blended family

[snip]For example, you'd have to consider the scenario of you predeceasing your spouse and determining how the assets titled in your name alone would be divided. Given your wife's high earning capacity and the larger (2/3) share of your assets held in her name, would your wife agree to the assets h...
by TomatoTomahto
Mon Jan 09, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3686

Re: Weight machine vs free weight

I wouldn't have minded a hijack :D IMO, free weights have a special benefit for people our age, in that the small postural corrections you have to make improve balance. I also find the arc of machines artificial (e.g., compare the motion of a free weight squat to a Smith machine). I use machines for...
by TomatoTomahto
Mon Jan 09, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: What should be our third exercise machine?
Replies: 42
Views: 2241

Re: What should be our third exercise machine?

ponyboy wrote:To get started with weight lifting...you'll need a power rack, bench and a 300lb set of olympic plates with bar. Now whats your question?
Was that directed at OP?
by TomatoTomahto
Mon Jan 09, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: What should be our third exercise machine?
Replies: 42
Views: 2241

Re: What should be our third exercise machine?

How about a mini-tramploine that you can use to simulate jumping rope? Cheap, portable, efficient. I find jumping rope for 5-10 minutes to be a great daily exercise and it utilizes the full body. "The full body" unfortunately includes the feet. Tell me the truth, did my podiatrist put you...
by TomatoTomahto
Mon Jan 09, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: What should be our third exercise machine?
Replies: 42
Views: 2241

Re: What should be our third exercise machine?

Re frozen shoulders. I have had both shoulders frozen at different times. It is very painful. The last time I went to the PT at sports medicine doc for a couple of months without improvement. I switched to another PT and she unthawed my shoulder in one session by slowly manipulating it. I experienc...

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