Search found 6349 matches

by TomatoTomahto
Sat Sep 23, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 15
Views: 769

Re: Lifestyle Creep

We are beginning to book longer personal flights Premium Economy.
by TomatoTomahto
Sat Sep 23, 2017 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Invest 400k Cash ?
Replies: 3
Views: 380

Re: Invest 400k Cash ?

Welcome to the forum! I won't address "where," but I can say that mathematically, the "how" favors a lump sum investment. That's assuming that you aren't inclined to bouts of "coulda, woulda, shoulda," in which case you could dollar cost average. If you already have an AA, I would, as a first approx...
by TomatoTomahto
Sat Sep 23, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Transfering 250K online from one bank to another
Replies: 9
Views: 456

Re: Transfering 250K online from one bank to another

The government is interested in large cash transactions (i.e., > $10k). Transferring from Bob's account at Bank A to Bob's account at Bank B will not draw attention. If I remember correctly, either Vanguard or BoA had a limit of $100k per transfer a while back, and I had to split the transfers into ...
by TomatoTomahto
Sat Sep 23, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 29
Views: 844

Re: Bogleheads monthly costs of dog ownership?

This thread is incomplete without a least one of these "types" of posts, so here goes... I do not own a dog. Since OP decided to postpone acquiring a dog, I guess it’s okay to go a bit OT. Your post is incomplete. The thread isn’t complete without additionally casting aspersions on people who pay f...
by TomatoTomahto
Sat Sep 23, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 29
Views: 844

Re: Bogleheads monthly costs of dog ownership?

Dog has been very healthy, so food, water, annual checkups, vaccines, and monthly heartworm/parasite/flea med. And that's the rub. Just last week, our Yorkie had to have her gallbladder removed. I haven't got the final tally, but it's close to a 5 digit amount. Two years ago, she had pancreatitis, ...
by TomatoTomahto
Sat Sep 23, 2017 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Can i max out a Roth at the start of the year?
Replies: 5
Views: 493

Re: Can i max out a Roth at the start of the year?

Yes. If it turns out that you didn’t, in fact, earn $5,500, there are ways to fix that later.

My son invested in a Roth, then his school decided that it wasn’t earned income; they called it a stipend. No problem backing it out.
by TomatoTomahto
Fri Sep 22, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 17
Views: 1152

Re: IOS 11: Anybody using it yet?

I’m getting used to the new keyboard on my iPad.
by TomatoTomahto
Fri Sep 22, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: RSU question/thoughts?
Replies: 7
Views: 445

Re: RSU question/thoughts?

Sell them as soon as you can. $20 per quarter doesn’t change the advice. Although if the per-share price is $0.10 or less this would increase the transaction cost ER substantially. True enough. OP, please amend my response to: for any transaction where the cost to sell is less than 1%, sell immedia...
by TomatoTomahto
Fri Sep 22, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: RSU question/thoughts?
Replies: 7
Views: 445

Re: RSU question/thoughts?

Sell them as soon as you can. $20 per quarter doesn’t change the advice.
by TomatoTomahto
Fri Sep 22, 2017 8:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 155
Views: 18870

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

I have a vague recollection that some people that are employed in the brokerage industry and maybe their spouses cannot have a brokerage account at another firm. Mutual fund only accounts are excluded. Maybe someone can confirm. That's true for me. Brokerage accounts are only allowed at certain bro...
by TomatoTomahto
Fri Sep 22, 2017 6:50 am
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 18
Views: 1088

Re: I-Bonds?

Welcome to the forum.

We buy IBonds, mostly out of habit. They're a decent, some-liquid, additional Emergency Fund.

I assume that you know that you can only buy them in taxable accounts, directly from Treasury Direct, AFAIK.
by TomatoTomahto
Fri Sep 22, 2017 6:05 am
Forum: Personal Consumer Issues
Topic: Luxury Car Purchase
Replies: 46
Views: 2970

Re: Luxury Car Purchase

denovo wrote:
Fri Sep 22, 2017 4:35 am
sambb wrote:
Thu Sep 21, 2017 9:00 pm
get rid of the financial advisor if they charge 1% a year.
Then you can afford the RR
Go for it.
+1
Welcome to the forum!
+2. Fire the financial advisor, you're too old to have a nanny. Get a Tesla instead, the clock is less loud.
by TomatoTomahto
Fri Sep 22, 2017 5:55 am
Forum: Personal Consumer Issues
Topic: Foreign Currency Conversion Accepted, then Rejected
Replies: 14
Views: 765

Re: Foreign Currency Conversion Accepted, then Rejected

That's why we have piles of foreign currency at home. Dealing with banks on foreign currency is guaranteed to rip you off. We generally use credit cards overseas. Check your homeowner's policy if you care. Most have pretty low limits on how much currency is covered if stolen, it's usually around $1...
by TomatoTomahto
Thu Sep 21, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 155
Views: 18870

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

Teetlebaum wrote:
Thu Sep 21, 2017 3:48 pm
I wonder what "most of our accounts" means.
That might mean "every account that doesn't say no."
by TomatoTomahto
Thu Sep 21, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 188
Views: 19417

Re: Calling out the not so rich bogleheads

... Having said that, I would say that the forums are generally dominated by folks who are millionaires, multi millionaires or soon to be millionaires at very young ages. This has the effect of scaring away and/or creating resentment in a lot of people who are not close to being millionaires or eve...
by TomatoTomahto
Thu Sep 21, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Foreign Currency Conversion Accepted, then Rejected
Replies: 14
Views: 765

Re: Foreign Currency Conversion Accepted, then Rejected

That's why we have piles of foreign currency at home. Dealing with banks on foreign currency is guaranteed to rip you off. We generally use credit cards overseas. Our son's office, with many international travelers, has a thriving market (they call it the "midpoint market" because they get bid/offer...
by TomatoTomahto
Thu Sep 21, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 195
Views: 16342

Re: I won the Lottery. Need sound advice.

Looks like we'll never hear back from OP. Time for everyone to stop replying to this thread. It has been less than 12 hours since OP was on the site and posted. You have a looser definition of "never" than I do, but you might be right. Otoh, the initial post has been an interesting Rorschach test, ...
by TomatoTomahto
Thu Sep 21, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 311
Views: 16181

Re: Iphone X is $1000

emoore wrote:
Thu Sep 21, 2017 8:09 am
So you’re calling millions of people idiots. Nice.
My wife and I own iPhones, so I'm not defending, but honestly, can't you think of other situations where calling people idiots is justified? Perhaps well intentioned, honest, earnest, but idiots nonetheless?
by TomatoTomahto
Thu Sep 21, 2017 6:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 295
Views: 30800

Re: Vanguard Customer Service

I don't know if anyone, much less any particular poster, is a sock puppet. There have been many questionable posts made about, for example, Whole Life Insurance, that might well have been planted. To my recollection, those posters came, posted, and left; whether due to being sock puppets or because ...
by TomatoTomahto
Wed Sep 20, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 188
Views: 19417

Re: Calling out the not so rich bogleheads

As a career (mostly) blue-collar employee I may be an outlier on Bogleheads but I have never felt envy or resentment. On the contrary, I am immeasurably better off for my time spent here. Someone earlier in the thread said this better than me but the relevant comparison is not me vs. others but me ...
by TomatoTomahto
Wed Sep 20, 2017 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 295
Views: 30800

Re: Vanguard Customer Service

I'm always skeptical when a poster who has three posts to this board trashes Vanguard customer service. I don't understand. Do you think they came here for fun? It's not like customer service is uniformly lauded other than this poster. How many posts are necessary before you can dare to question Va...
by TomatoTomahto
Wed Sep 20, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 188
Views: 19417

Re: Calling out the not so rich bogleheads

The only thing that really puts me off about the Boglehead forums are those that have a monthly take home that is 5 figures and feel the are middle class. Do you have some examples? Are we talking people making 120k a year, or what? Because the low end I would say was middle class. 5 digit take hom...
by TomatoTomahto
Wed Sep 20, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 188
Views: 19417

Re: Calling out the not so rich bogleheads

Okay. I'll bite. I'm rich, or, perhaps, I'm "rich." Tell me the price of your watch and then may be I will concede :-) I don't wear a watch; I drive my watch and sometimes take my watch out of my pocket to make a call. More honestly, I'm not really rich, but I passed "sufficient" years ago. ETA: I'...
by TomatoTomahto
Wed Sep 20, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 188
Views: 19417

Re: Calling out the not so rich bogleheads

Okay. I'll bite. I'm rich, or, perhaps, I'm "rich."
by TomatoTomahto
Wed Sep 20, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 81
Views: 4559

Re: Getting (young) kids interested in coding

Years ago, we had a neighbor who bragged that he was having his 3-year old practice her "mousing skills" in preparation for her computer-intensive education and, presumably, career. My spouse said "Yeah, after a year of that, I bet she'll be able to mouse like a 4-year old!" Haha! :sharebeer I like...
by TomatoTomahto
Wed Sep 20, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Please help with evaluation of whole life and term from Northwest mutual.
Replies: 18
Views: 1553

Re: Please help with evaluation of whole life and term from Northwest mutual.

You're right--better late than never. It does seem odd that the hospital arranged the NM presentation--probably someone knew someone, that kind of thing. I'm sure it was presented to the hospital as a helpful presentation, to help all you residents get on a good road to investing. Yeah, some help! ...
by TomatoTomahto
Wed Sep 20, 2017 5:36 am
Forum: Personal Finance (Not Investing)
Topic: Please help with evaluation of whole life and term from Northwest mutual.
Replies: 18
Views: 1553

Re: Please help with evaluation of whole life and term from Northwest mutual.

Hello Doc, I like your username. First, that was no friend. Perhaps someone will come by and give you a rigorous analysis of your best financial option with the whole life. I'm not qualified. I can, however, tell you that I would resent it every time I paid a premium, so for me, ending that misadven...
by TomatoTomahto
Tue Sep 19, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 188
Views: 19417

Re: Calling out the not so rich bogleheads

You speak the truth, Crow Hunter.
by TomatoTomahto
Tue Sep 19, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: New BOA Premium Rewards Card
Replies: 29
Views: 1617

Re: New BOA Premium Rewards Card

Wot? And have to unfreeze my credit accounts? No thanks. :oops:
by TomatoTomahto
Tue Sep 19, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Time to buy a used VW Diesel?
Replies: 19
Views: 1326

Re: Time to buy a used VW Diesel?

How many different ways can the world tell you that those cars are not good for the air that you and your loved ones breathe?
by TomatoTomahto
Tue Sep 19, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 23186

Re: Name something you had to have and now you regret purchasing it?

Classic Mercedes 300E... Great Ride, Wife Loved it but Maintenance costs KILLED me... I own a 1989 300TE. I put in about $1000 of maintenance per year (independent mechanic). Great car. I sold mine to a friend some 20 years ago when I moved to a hill that it couldn't deal with in winter. I think he...
by TomatoTomahto
Tue Sep 19, 2017 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 28572

Re: Wow, Vanguard Flagship service is bad. Really bad. Still bad!

Without getting into minute detail, I had asked to have some details added to a confirmation statement... Please do get into the minute detail about how you wanted your confirmation statement customized. LOL, I don't think Vanguard would customize the confirmation statement for John Bogle himself. ...
by TomatoTomahto
Tue Sep 19, 2017 5:24 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 28572

Re: Wow, Vanguard Flagship service is bad. Really bad.

. . . Now, I suppose I could have been upset, I could have tried to find The One Who's To Blame, whatever, but I probably am stuck at VG through sheer inertia and the feeling that I had had a bad turn of luck for once in ~20 years or so. What this taught me for sure, though, was to not trust online...
by TomatoTomahto
Mon Sep 18, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 4666

Re: USPS lost very important certified mail - What next?

That's quite some "honest mistake"! If it was such a genuine and "honest" mistake, why did he keep *both* payments, eh? :annoyed Yeah, the only satisfaction I got was calling him every nasty name I could think of, and honest wasn't one of them. More infuriating was the bank, who acknowledged that t...
by TomatoTomahto
Mon Sep 18, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 4666

Re: USPS lost very important certified mail - What next?

If you stop payment on a check, is that a permanent stop, or is it in effect for a limited time? I seem to recall my bank telling me a stop was good for only 6 months. 6 months is all you need: According to Article 4-404 of the Uniform Commercial Code, a bank is not obligated to pay a check out of ...
by TomatoTomahto
Mon Sep 18, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: How would you invest this bonus??
Replies: 13
Views: 1218

Re: How would you invest this bonus??

.. so just to clarify, its one large check. company does not offer stock as part of the bonus.
I should have been more clear. Current or future employer might include Restricted Stock Units in the future. It makes for a better pair of golden handcuffs. :happy
by TomatoTomahto
Mon Sep 18, 2017 6:00 am
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 70
Views: 5571

Re: Getting over emotional attachment to house

Our neighborhood is undergoing mansionization. I expect the next owner to tear our 2500 sq. foot house down and put in a 5000+ sq. foot house. That's the part that bothers us, my wife more than me. We bought a roughly 2500 sf house, added on over the years to 5000 sf, and we raised our blended fami...
by TomatoTomahto
Mon Sep 18, 2017 5:21 am
Forum: Investing - Help with Personal Investments
Topic: How would you invest this bonus??
Replies: 13
Views: 1218

Re: How would you invest this bonus??

It can be rough transitioning from a paycheck and small bonus to a situation where the bonus dominates. A rough transition perhaps, but congratulations. You are approaching an income level where the amount withheld might be insufficient to pay your taxes at year end. Since your income is going up, s...
by TomatoTomahto
Sun Sep 17, 2017 5:28 pm
Forum: Investing - Theory, News & General
Topic: Hedge Funds with vanilla strategies
Replies: 9
Views: 1221

Re: Hedge Funds with vanilla strategies

So you probably need: - an undergraduate degree from a prestigious university with a high GPA - Oxford, Cambridge, Harvard etc. - that degree in a good subject: Math or physics, or Economics, say CS also works :D - work experience (I suggest trying to get some unpaid internships) at major fund mana...
by TomatoTomahto
Sun Sep 17, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 141
Views: 15583

Re: Do you have an umbrella policy?

Umbrella insurance $3M for $620 annually with GEICO. Thinking of upping coverage to $4M next year as assets growing. I am thinking of getting another insurance quote for home/auto/umbrella with Chubb given their reputation for paying out claims. We have used Chubb for years for auto, homeowner, and...
by TomatoTomahto
Sun Sep 17, 2017 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: What is realistic ID theft from Equifax
Replies: 2
Views: 712

Re: What is realistic ID theft from Equifax

Fraudulent activity is less troublesome than identity theft. DW had her identity stolen 22 years ago, and even though she had professional help (i.e., she worked at a large bank, and they wanted to protect their bonded employee), it was a royal nightmare to resolve. We get the occasional fraudulent ...
by TomatoTomahto
Sun Sep 17, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Pocket money allowance for college student
Replies: 48
Views: 2488

Re: Pocket money allowance for college student

I don't disagree with your views about a job during first year. Getting her feet under her, socially and otherwise, is enough. DS found that TA jobs in subsequent years were an easy way to network with other CS students, study and do psets while getting paid, and establish relationships with graduat...
by TomatoTomahto
Sun Sep 17, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 311
Views: 16181

Re: Iphone X is $1000

I have sufficient funds to cover the difference. I can afford a few iPhone X, or the difference between a Corolla and the Model 3. I expect I will be happier driving the Model 3 than the Corrola. My airplane isn't prudent from a cost perspective, but there are so many tangible and intangible advant...
by TomatoTomahto
Sun Sep 17, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 141
Views: 15583

Re: Do you have an umbrella policy?

Umbrella insurance $3M for $620 annually with GEICO. Thinking of upping coverage to $4M next year as assets growing. I am thinking of getting another insurance quote for home/auto/umbrella with Chubb given their reputation for paying out claims. We have used Chubb for years for auto, homeowner, and...
by TomatoTomahto
Sun Sep 17, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Initial investment for a student
Replies: 10
Views: 392

Re: Initial investment for a student

Appreciate that. Did you recommend a certain amount/percentage? Mine is asking for an amount. I told my kids that they should put 100% of compensation up to $5500 into their Roth IRAs. I told them that I would give them the money. At Thanksgiving or Christmas we talk about this and they get it done...
by TomatoTomahto
Sun Sep 17, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Should I contact a lawyer?
Replies: 69
Views: 3325

Re: Should I contact a lawyer?

It doesn't solve much, but DW has taken to only sharing PDFs with some colleagues who have very flexible definitions of authorship. It can be gotten around, but at least it makes them work a bit :D
by TomatoTomahto
Sun Sep 17, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Initial investment for a student
Replies: 10
Views: 392

Re: Initial investment for a student

Roth IRA, target retirement fund. My kids do this. I don't see any point in automated investment at this stage of their life. I asked my kids to sign up on their own so that they would learn how to navigate web sites and think for themselves. It's part of #adulting. Appreciate that. Did you recomme...
by TomatoTomahto
Sun Sep 17, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Vanguard customer service/technology = "Bad returns in Bad times"
Replies: 37
Views: 2535

Re: Vanguard customer service/technology = "Bad returns in Bad times"

I am continued to be disappointed at the leadership failure in vanguard to address so many IT issues and service issues. I assume that this message board is filled with fans of vanguard, and this points to a major flaw in leadership if these systemic issues keep occurring. I hope they get their hou...
by TomatoTomahto
Sun Sep 17, 2017 7:08 am
Forum: Investing - Help with Personal Investments
Topic: 100k short term park
Replies: 10
Views: 1594

Re: 100k short term park

One benefit of keeping it liquid is so you can have it free to make an offer on your next home while selling your current property. If you put it all on your current mortgage, your next purchase may need a contingency added if you need to sell your current property before finalizing on your next. D...