Search found 7284 matches

by TomatoTomahto
Sun Jul 22, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Biggest financial decision of my life: selling a big wad of options
Replies: 20
Views: 1319

Re: Biggest financial decision of my life: selling a big wad of options

I don’t know diddly about options and the timing of their sale. I do, however, know something about psychology, and you should have a big red flag going up when you post Those numbers already reflect that I sold 10% of my holdings last quarter. I already regret it, since the stock price has grown a ...
by TomatoTomahto
Sun Jul 22, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 28
Views: 1509

Re: Where do you buy CPAP replacement parts?

After paying a small co-insurance amount to Apria Healthcare, I read the bill and saw that as a Medicare member, I can get my supplies for free. I called them, and apparently my supplies will be provided from now on. Wheeee! I always find it amazing that I pay $20k/yr for family health insurance th...
by TomatoTomahto
Sun Jul 22, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Buy house for retired mother?
Replies: 37
Views: 2107

Re: Buy house for retired mother?

OP, welcome to the forum, and kudos for appreciating what your parents did for you. You probably know that some members like to play the “more frugal than thou” game; please ignore it, it’s their version of walking uphill to AND from school. I lean towards renting, for ease of transitioning, but I a...
by TomatoTomahto
Sun Jul 22, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 28
Views: 1509

Re: Where do you buy CPAP replacement parts?

My specialist prescribed a new type mask which was wonderful, most comfortable ever. Insurance carrier supplied one and then decided they would not supply anymore since they cost more than medicare allowed. I bought supplies on eBay for about 7 months and they sent me a notice they could supply my ...
by TomatoTomahto
Sun Jul 22, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 28
Views: 1509

Re: Where do you buy CPAP replacement parts?

It might not be true but I've purchased three over the last three years on ebay. No problems on my side. If they were all for your personal use, I can see a problem in that they should last much longer than a year. Mine last around a decade, or at least that’s how long it is before the machines are...
by TomatoTomahto
Sat Jul 21, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 28
Views: 1509

Re: Where do you buy CPAP replacement parts?

After paying a small co-insurance amount to Apria Healthcare, I read the bill and saw that as a Medicare member, I can get my supplies for free. I called them, and apparently my supplies will be provided from now on. Wheeee!
by TomatoTomahto
Fri Jul 20, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: The other side of stock buybacks
Replies: 24
Views: 2005

Re: The other side of stock buybacks

Then why not ALL employees. ETA: sauce for the goose, etc. Well, some geese are swimming in sauce, while most ganders get just a few drops. My wife’s RSUs are more than double her “salary.” Is it okay to sell just enough to cover the tax liability (based on value at vesting)? Geez. I thought BH bou...
by TomatoTomahto
Fri Jul 20, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: The other side of stock buybacks
Replies: 24
Views: 2005

Re: The other side of stock buybacks

Don’t we Bogleheads always tell people to sell their shares as soon as they vest? Then why should it be any different for CEOs? Bingo. I guess CEOs aren’t allowed to be Bogleheads. My wife is down a level or two from CEO; is she allowed to sell on vesting? Sheesh! Seems like it could be a good argu...
by TomatoTomahto
Fri Jul 20, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: The other side of stock buybacks
Replies: 24
Views: 2005

Re: The other side of stock buybacks

Afty wrote:
Thu Jul 19, 2018 12:43 am
Don’t we Bogleheads always tell people to sell their shares as soon as they vest? Then why should it be any different for CEOs?
Bingo.

I guess CEOs aren’t allowed to be Bogleheads. My wife is down a level or two from CEO; is she allowed to sell on vesting?

Sheesh!
by TomatoTomahto
Fri Jul 20, 2018 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 125
Views: 8372

Re: Should I Dump a Pile of Money on Young Son?

I personally wouldn’t “dump” that amount on him, but BRAVO! for raising such a great kid.
by TomatoTomahto
Fri Jul 20, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: JFK Traverlers: How to go from NJ to JFK and the opposite?
Replies: 48
Views: 1930

Re: JFK Traverlers: How to go from NJ to JFK and the opposite?

We used to live 10 minutes from EWR. We sometimes had flights at JFK, and used Uber/Lyft. It was fun to wave at EWR on the way. No way, no how, would I drive and park for two weeks at JFK.
by TomatoTomahto
Fri Jul 20, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: JFK Traverlers: How to go from NJ to JFK and the opposite?
Replies: 48
Views: 1930

Re: JFK Traverlers: How to go from NJ to JFK and the opposite?

3 or 4 checked bags for a 2 week trip? How much variation in climate are you expecting (e.g., are you going tropical and also climbing the Alps)? Do you realize that each checked bag increases the odds that one of them will suffer a misadventure in getting to your destinations? If this excess baggag...
by TomatoTomahto
Fri Jul 20, 2018 6:38 am
Forum: Investing - Help with Personal Investments
Topic: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact
Replies: 33
Views: 3931

Re: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact

Not only do you not need some wealth stealer, you really need to stay away from these thieves. The primary job of a wealth manager is: 1) Convince you that only he can fend off the boogie man 2) Create a huge number of fund/stock/non-liquid investments so you are too scared to touch it because mere...
by TomatoTomahto
Thu Jul 19, 2018 7:42 am
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 66
Views: 8133

Re: I may have understood why it's so hard to save and invest

Our portfolio is sufficiently large that it would be demotivating to think of it this way. I prefer to remember that every marathon, your first or your 20th, begins with a single step.
by TomatoTomahto
Thu Jul 19, 2018 5:18 am
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 73
Views: 4762

Re: Invest in Tesla?

Deleted post, back to my self-imposed exile from Tesla threads.
by TomatoTomahto
Wed Jul 18, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford private high school?
Replies: 20
Views: 1444

Re: Can I afford private high school?

For what it’s worth, we have spent a lot of money on education. Not once have we thought it was wasted, and our public school system was one of the best in the country. You can afford it, and if you think the school is really better than the public, just pull the trigger, especially since college s...
by TomatoTomahto
Wed Jul 18, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford private high school?
Replies: 20
Views: 1444

Re: Can I afford private high school?

For what it’s worth, we have spent a lot of money on education. Not once have we thought it was wasted, and our public school system was one of the best in the country. You can afford it, and if you think the school is really better than the public, just pull the trigger, especially since college se...
by TomatoTomahto
Tue Jul 17, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5512

Re: Going solar?

unclescrooge wrote:
Tue Jul 17, 2018 11:49 am
What was the point? You're bills were so low to begin with. Just wanted to be green?
I, for one, have thanks for the early adopters. Good on ya, mate.
by TomatoTomahto
Mon Jul 16, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5512

Re: Going solar?

Going forward, I just might go off grid. We have a ~30kW system, and for the first 2 (winter/spring) months, had a credit. Then, last month, they charged us for 1500+ kWH! What (pun intended)!?!?! I did find a split AC in the garage that was running 24/7 (thanks, son) and had quite a block of ice c...
by TomatoTomahto
Sun Jul 15, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 6614

Re: Anyone not have a Budget?

I don’t think we have had a budget for the past quarter century, from when money wasn’t as plentiful to now, when we have enough.
I have a rough idea when bills are coming due, and move funds accordingly.
by TomatoTomahto
Sun Jul 15, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 65
Views: 3707

Re: Are Credit Cards Actually Convenient?

Your case sounds unusual. Every year or two, there will be a fraudulent charge, and a card will need to be closed. That's inconvenient, but still more convenient than going to the ATM and getting cash out for all my purchases. That’s my experience also. It’s a bit of a pain having to change all the...
by TomatoTomahto
Sat Jul 14, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: How do you back up Quicken?
Replies: 15
Views: 804

Re: How do you back up Quicken?

I just use CrashPlan. It keeps each version of my Quicken file distinct from the others. If I want to go back to 3 Tuesdays ago, having updated Quicken twice daily since then, I can. It’s automated. It’s cheap. It’s reassuring. PS. I’ve never had to go back 3 Tuesdays, but I have decided that what I...
by TomatoTomahto
Sat Jul 14, 2018 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Received $1m windfall with additional upside; looking for feedback on plan to hedge against market correction
Replies: 40
Views: 5909

Re: Received $1m windfall with additional upside; looking for feedback on plan to hedge against market correction

OP, re JPM private client banking: we had access to this service, at very reduced rates. We still did not use it. They are masters at hiding fees and expenses. We are very lucky tp be financially independent. Still, we find that a very simple portfolio works for us. Rather than spending time worryin...
by TomatoTomahto
Wed Jul 11, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Recurring investments in taxable account
Replies: 26
Views: 1893

Re: Recurring investments in taxable account

Presume you have already funded the Roth? Personally I’d not want to pay trade fees. Can trade VTI free at Vanguard or E*TRADE. Schwab has excellent ETFs as well that trade free at Schwab. Ditto Fidelity. Don’t know about TDA. There’s probably an equivalent you can get for free. I was funding the R...
by TomatoTomahto
Tue Jul 10, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: What’s the median income of Bogleheads?
Replies: 29
Views: 3209

Re: What’s the median income of Bogleheads?

Right - because what you keep is more important than what you make. Consider the celebrities with amazing incomes who have relatively little to show for it. Doesn't matter. Question is strictly about income. Net Worth or level of financial assets is a different question. LeBron James's income from ...
by TomatoTomahto
Tue Jul 10, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5512

Re: Going solar?

Going forward, I just might go off grid. We have a ~30kW system, and for the first 2 (winter/spring) months, had a credit. Then, last month, they charged us for 1500+ kWH! What (pun intended)!?!?! I did find a split AC in the garage that was running 24/7 (thanks, son) and had quite a block of ice co...
by TomatoTomahto
Tue Jul 10, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: What’s the median income of Bogleheads?
Replies: 29
Views: 3209

Re: What’s the median income of Bogleheads?

njdealguy wrote:
Tue Jul 10, 2018 12:27 pm
My wild guess for an average is the US Median Personal income * 4, which according to Wikipedia is $31,099. So my bogleheads average estimate is $124,396. I'm personally at a bit under twice of this figure at age 36 (approx 240k).
I think that’s probably about right.
by TomatoTomahto
Tue Jul 10, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Avocado oil --recommendations?
Replies: 18
Views: 1525

Re: Avocado oil --recommendations?

I also use it on popcorn in lieu of butter, where olive oil would be overpowering. It's hard to beat butter on popcorn. I don't use a lot of butter and I rarely make popcorn but when I do, I put butter on it. ... and grass-fed butter (for example Kerrygold or locally sourced) isn’t the death senten...
by TomatoTomahto
Tue Jul 10, 2018 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Should I move all my investments to Vanguard?
Replies: 31
Views: 2257

Re: Should I move all my investments to Vanguard?

I have had a total of one support issue. It happened to have been at Fidelity. It could probably, as easily, have occurred at Vanguard. That’s one issue over the space of decades, with many accounts, and considerable assets.

Leave well enough alone.
by TomatoTomahto
Tue Jul 10, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5512

Re: Going solar?

I will probably give a full posting about my experience in a couple months, as a guide for others that use Solar City/Tesla. Please do. I actually have a Tesla guy here on the property as I post this, scoping out the site. I agree about utility reliability in the future. I’m not paranoid, but it wo...
by TomatoTomahto
Tue Jul 10, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5512

Re: Going solar?

Just looking for advice or comments from people who have gone solar and if they regret it or not. Or companies to avoid etc... We recently moved into a house that has a large solar field, a well, and septic. It is difficult to say what the financial effects are (the owner retained the tax credits, ...
by TomatoTomahto
Tue Jul 10, 2018 4:50 am
Forum: Personal Consumer Issues
Topic: Avocado oil --recommendations?
Replies: 18
Views: 1525

Re: Avocado oil --recommendations?

It is my favorite for salads
For those of us with insulin resistance who just don’t care for the taste of olive oil (long story; adolescent trauma), avocado oil and apple cider vinegar are a great salad dressing.
by TomatoTomahto
Mon Jul 09, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Retirees...what’s your lunch menus?
Replies: 54
Views: 4350

Re: Retirees...what’s your lunch menus?

iceport wrote:
Mon Jul 09, 2018 12:33 pm


Not so sure about the healthy part, but it might just be a decent hedge against longevity risk.

8-)
Now that’s funny :D
by TomatoTomahto
Mon Jul 09, 2018 6:32 am
Forum: Investing - Theory, News & General
Topic: Run your retirement like an insurance company: liability matching
Replies: 13
Views: 1747

Re: Run your retirement like an insurance company: liability matching

The difference is that the insurance company knows their liabilities pretty accurate. You take 10k 65 year olds and the average age of death will be in about 20 years+-a year or two depending on population biases. Me on the other hand don't know if I am going to live 1 year or 35. Pretty hard to ma...
by TomatoTomahto
Sun Jul 08, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 110
Views: 15770

Re: "10 Savvy Ways You Can Spot Fake Reviews"

Who knows if I would have stuck around in this forum to learn more about smart investing (something I am also interested in), but these two comments have SERIOUSLY turned me off. Is this how new posters are often treated here? Welcome to the forum dogtrainer. Strangely enough, it is often in car po...
by TomatoTomahto
Sun Jul 08, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 8924

Re: What rate of return are you using for retirement projections?

Some of you are real pessimists! Wow. I use 5% real for equities, but I use 8% nominal and 3% inflation. I am 95% equities and will probably stay there for a very long time. I’m more worried about my expenses escalating than my investments returning. I admit that I'm probably pessimistic. In fact, ...
by TomatoTomahto
Sun Jul 08, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Retirees...what’s your lunch menus?
Replies: 54
Views: 4350

Re: Retirees...what’s your lunch menus?

Been trying to eat healthy and am tired of salad everyday. I am pre diabetic but otherwise in good shape. Suggestions for quick lunch menus please. I am ok wit meat, fats, cheese, etc...only avoid carbs. I think the following falls within the forum guidelines: I am diabetic, working my way back to ...
by TomatoTomahto
Sun Jul 08, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Retirees...what’s your lunch menus?
Replies: 54
Views: 4350

Re: Retirees...what’s your lunch menus?

Been trying to eat healthy and am tired of salad everyday. I am pre diabetic but otherwise in good shape. Suggestions for quick lunch menus please. I am ok wit meat, fats, cheese, etc...only avoid carbs. I think the following falls within the forum guidelines: I am diabetic, working my way back to ...
by TomatoTomahto
Sat Jul 07, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: point and shoot digital cameras
Replies: 35
Views: 3034

Re: point and shoot digital cameras

And obviously moving up to a good dSLR over a camera with a 1" sensor would kill the phone in terms of image quality. Those big sensors and lens do make a difference. But the smartphone is compact. And most people carry one all the time. And a lot of people take pictures and look at them mostly on ...
by TomatoTomahto
Sat Jul 07, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 8924

Re: What rate of return are you using for retirement projections?

The projections i am using are somewhat conservative: Stocks. 3.5% real return Bonds. 0.5% real return Cash. 0.0% real return With your portfolio using these numbers will give you a 1.6% real return. I think those are optimistic. I hope you're right. I personally expect: Stocks: 2% real return Bond...
by TomatoTomahto
Sat Jul 07, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance gap
Replies: 12
Views: 662

Re: Health insurance gap

Beth, I'm sure that members with much more experience than me will arrive, but in the case of a child of mine with some medical issues, I paid up to insure that there was no "gap" in coverage. In my limited experience, insurance companies seem to like to cram whatever expenses they might otherwise i...
by TomatoTomahto
Fri Jul 06, 2018 7:30 am
Forum: Personal Consumer Issues
Topic: Cane Toad Hell: Any Remedies?
Replies: 21
Views: 1785

Re: Cane Toad Hell: Any Remedies?

fire5soon wrote:
Fri Jul 06, 2018 6:28 am
How good are you with a bb gun? Seriously.
I can’t imagine that toad sounds rise to the level where we should kill them. Eventually, we will have to pipe in sounds of nature, and all that will be left is an overmediated Disney-fied environment.
by TomatoTomahto
Fri Jul 06, 2018 6:20 am
Forum: Personal Consumer Issues
Topic: Cane Toad Hell: Any Remedies?
Replies: 21
Views: 1785

Re: Cane Toad Hell: Any Remedies?

How loud is this? Do they do it all night? I think I could get used to this, thinking of it as sharing the planet. It's not like they're driving up and down the road squashing humans. If it's a mating call, the season is probably brief. In addition to bullfrogs, we also have tree frogs (which I’d n...
by TomatoTomahto
Fri Jul 06, 2018 5:28 am
Forum: Personal Consumer Issues
Topic: Cane Toad Hell: Any Remedies?
Replies: 21
Views: 1785

Re: Cane Toad Hell: Any Remedies?

I have no idea what a Cane Toad sounds like, but I’ve often found that “re-framing” an objectionable sound makes it pleasant (occasionally) or “disappear.”

We have really loud bullfrogs at our house, and I quite like their sound.
by TomatoTomahto
Thu Jul 05, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 8955

Re: What time do you get up in the morning?

For the past quarter century or so, I set my alarm for 15 minutes before my wife has to get up. I did this when I was still working outside the home, but I have continued the tradition for the almost two decades when I've been a Stay At Home Dad. I make coffee for us and, unless she comes downstairs...
by TomatoTomahto
Wed Jul 04, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating New Job Offer
Replies: 24
Views: 1624

Re: Evaluating New Job Offer

I disagree about trying to get a counter. It’s a bit like saying to Harvard, “Backwater U offered me a full ride; can you match it?” Overcoming the drag of a legacy job would be almost impossible after a few years. If an employee came to me seeking such a counter, I’d wish them good luck and (silent...
by TomatoTomahto
Wed Jul 04, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating New Job Offer
Replies: 24
Views: 1624

Re: Evaluating New Job Offer

I would not consider option #2 unless you’re more than 55 years old. It’s a dead end.
by TomatoTomahto
Tue Jul 03, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 104237

Re: To take or not to take delivery of Tesla 3

Hey matjen, I don’t remember where, and perhaps I am misremembering it, but I thought that you had posted that some post ago would be your last about Tesla. Whatever, if you made that promise, I think I will honor it in your stead. This whole thread is so resolutely OT and divisive that I’ve lost th...
by TomatoTomahto
Mon Jul 02, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 104237

Re: To take or not to take delivery of Tesla 3

Jdb, I’d be interested in your review once you’ve had some time with the M3, especially as you have knowledge of other Tesla models.

I hope you start a new thread for your impressions. Maybe if we ask especially nicely, the anti-Tesla folks could leave the thread to those actually interested.
by TomatoTomahto
Sun Jul 01, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: Are Hedge funds basically scams?
Replies: 36
Views: 3081

Re: Are Hedge funds basically scams?

I don’t know if they’re properly called hedge funds, but the successful proprietary trading outfits that I’m familiar with don’t want your, or any new, money.

The less successful firms will gladly take your money.

See how that works?