Search found 6337 matches

by TomatoTomahto
Thu Sep 21, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 106
Views: 7904

Re: I won the Lottery. Need sound advice.

barnaclebob wrote:
Thu Sep 21, 2017 3:55 pm
Thanks for coming back and I'm glad you weren't scared off by this bastion of fiscal conservatism.
Yes, thanks for coming back, but Dude, now you're never getting that freelance gig writing for The Onion.

The best of luck to you. Don't be a stranger.
by TomatoTomahto
Thu Sep 21, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 151
Views: 17635

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: 160
Views: 15586

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: 2
Views: 144

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: 106
Views: 7904

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: 306
Views: 15394

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 7:31 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 106
Views: 7904

Re: I won the Lottery. Need sound advice.

I am just over 40 years old. We have 2 children who have about 10-15 years before College. I'd like to fund about 75-80% of their college education. I don't want to give them a "free ride", I'd like my kids to learn the value of money, and work for it. Comedic genius. :D Almost every sentence in yo...
by TomatoTomahto
Thu Sep 21, 2017 6:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 289
Views: 30127

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: 160
Views: 15586

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: 289
Views: 30127

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: 160
Views: 15586

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: 160
Views: 15586

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: 160
Views: 15586

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: 68
Views: 3739

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: 13
Views: 1046

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: 13
Views: 1046

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: 160
Views: 15586

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: 1550

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: 1286

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: 266
Views: 21701

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: 28461

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: 28461

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: 4528

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: 4528

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: 1190

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: 5302

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: 1190

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: 1205

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: 15551

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: 702

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: 2430

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: 306
Views: 15394

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: 15551

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: 376

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: 3251

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: 376

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: 2486

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: 9
Views: 1444

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...
by TomatoTomahto
Sun Sep 17, 2017 7:04 am
Forum: Personal Consumer Issues
Topic: Vanguard customer service/technology = "Bad returns in Bad times"
Replies: 37
Views: 2486

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

I have money at Fidelity. They might have called me once or twice to check in and I have just told them I don't need anything. If you start on with questions and indicate you might need or want help, then you might be opening the door. We get a couple of calls per year. They leave a message along t...
by TomatoTomahto
Sat Sep 16, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Lawyer overbilling for prenup review
Replies: 66
Views: 5085

Re: Lawyer overbilling for prenup review

. . . and I thought that I had married up :oops:
by TomatoTomahto
Sat Sep 16, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 156
Views: 9181

Re: Companies/Brands You Love?

Smartwool is another letdown. My older socks have lasted for years, but their newer stuff falls apart almost immediately. Not what they used to be and not worth the high price. Ditto. That's why I switched to Point6. No less pricey, but better. I'm still wearing my older ones so thanks for the tip....
by TomatoTomahto
Sat Sep 16, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 156
Views: 9181

Re: Companies/Brands You Love?

Ninnie wrote:
Sat Sep 16, 2017 12:34 pm
Smartwool is another letdown. My older socks have lasted for years, but their newer stuff falls apart almost immediately. Not what they used to be and not worth the high price.
Ditto. That's why I switched to Point6. No less pricey, but better.
by TomatoTomahto
Fri Sep 15, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Should I dump (W)Hole Life Insurance and Variable Insurance
Replies: 14
Views: 967

Re: Should I dump (W)Hole Life Insurance and Variable Insurance

Brainvest, welcome to the forum! I wish I could welcome you with a more optimistic view. Pull the bandaid off. Now. Don't throw good money after bad.

It won't hurt forever.
by TomatoTomahto
Fri Sep 15, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 309
Views: 16100

Re: Is it really Worth it to brown bag your lunch at work?

First, I highly appreciate that you are speaking out. Every time I see posters touting cereal, juice, or peanut butter as healthy food I cringe. What is wrong with peanut butter? 1. A toxin aflatoxin in peanuts. 2. Eating a paste rather than chewing raw nuts. Victoria I recently switched my "sinful...
by TomatoTomahto
Fri Sep 15, 2017 5:51 am
Forum: Personal Finance (Not Investing)
Topic: Starting my career on the right foot
Replies: 20
Views: 2576

Re: Starting my career on the right foot

In my opinion, being a top performer and getting rewarded for it is much more important than optimally managing your after tax income. I would spend 90% of your improvement time becoming better at being an employee and maybe 10% managing money. An increase of 10-15% in salary will dwarf a slightly ...
by TomatoTomahto
Fri Sep 15, 2017 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Have X times your salary saved by age Y.
Replies: 60
Views: 5858

Re: Have X times your salary saved by age Y.

I can never get past this piece of silliness that is created by salary-based heuristics: DW's income rose substantially a few years ago; we were fine before the increase but "behind" afterwards? How stupid!
by TomatoTomahto
Thu Sep 14, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 156
Views: 9181

Re: Companies/Brands You Love?

gkaplan wrote:
Thu Sep 14, 2017 3:53 pm
Not Equifax, that's for sure.
Tbh, not so fond of the others either.
by TomatoTomahto
Thu Sep 14, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 306
Views: 15394

Re: Iphone X is $1000

I use my iPhone so much each day, primarily in my business, if I could get it today I would gladly pay the $1,000. Allan But you already have an iPhone that you use "so much each day". Why do you need a new one? Yes, that's the question to answer, even for a Tesla owner. My iPhone 6 is sometimes sl...
by TomatoTomahto
Wed Sep 13, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 3829

Re: Electric car in evacuation situation

Point taken. But, I think you take my point also. I'll be in a better mood about this in a while. In the meantime, have at it :D Actually, I don't. Okay, have it your way. Scientist or engineer, meme without basis, whatever. I took your point, you claim not to take mine (of which claim I'm dubious,...
by TomatoTomahto
Wed Sep 13, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 3829

Re: Electric car in evacuation situation

We should have an emoticon to signify fatigue. So much of this discussion reminds me of engineers telling us, with authority, that bumble bees can't fly, because [hand waving] I have to protest this. While a popular meme (although usually scientists rather than engineers) It Never Happened. This is...