Search found 8546 matches

by TomatoTomahto
Tue Jun 18, 2019 3:35 pm
Forum: Forum Issues and Administration
Topic: Length Limit on Quotes
Replies: 7
Views: 307

Re: Length Limit on Quotes

I especially dislike when posters insert their own text, even if in a different color, into somebody else's quote box. It may be convenient for the writer at the time, but not for the readers nor future repliers. I write for my audience, not for me. I’m guilty of doing that. I thought it made a mul...
by TomatoTomahto
Tue Jun 18, 2019 1:43 pm
Forum: Forum Issues and Administration
Topic: Length Limit on Quotes
Replies: 7
Views: 307

Re: Length Limit on Quotes

No point in ranting about it, I guess, but it seems a waste of bandwidth to quote 100 lines of back and forth and then add, as I’ve seen, something like “No, Google it” immediately below the quoted text. There was no intervening poster, so context was implicit.
by TomatoTomahto
Tue Jun 18, 2019 12:47 pm
Forum: Forum Issues and Administration
Topic: Length Limit on Quotes
Replies: 7
Views: 307

Length Limit on Quotes

I like the quote feature, which is easy to use and provides context for a reply. It seems to me, lately, that often a back and forth between two or more posters results in a strong of quotes that is so long that it’s thumb-fatiguing if you’re reading on a phone. It seems to me that some number of li...
by TomatoTomahto
Tue Jun 18, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Bequeathing an HSA
Replies: 7
Views: 632

Re: Bequeathing an HSA

Not wanting perfect to be the enemy of good, I guess I’ll just spend it as we incur medical expenses. Paying for medical with pretax dollars is good enough.
by TomatoTomahto
Tue Jun 18, 2019 6:39 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 310
Views: 35115

Re: How Bad was 2008, really?

Bad enough that I’m always perplexed by people hoping for a crash (to buy cheaper stock). Those people don’t have retired parents/grandparents? They believe they’re immune from losing their own job, no matter what happens? Yeah, it sounds so easy. First, we’ll have a crash. Then, I’ll go buy a bunc...
by TomatoTomahto
Tue Jun 18, 2019 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Bequeathing an HSA
Replies: 7
Views: 632

Re: Bequeathing an HSA

I think the tax treatment on inherited HSA is not too bad for our heirs, and crams more benefit per dollar than a taxable account inheritance. I think it's the other way around. That HSA balance will be 100% taxable in the year inherited. A taxable account balance will get a stepped up basis and wi...
by TomatoTomahto
Mon Jun 17, 2019 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Bequeathing an HSA
Replies: 7
Views: 632

Bequeathing an HSA

I was intending to begin spending our recently available (new employer) HSA money for current medical bills, because I’m not so sure that I want to burden my wife with the recordkeeping involved in using it after my demise. Then it occurred to me, since much of our assets are intended to be bequeath...
by TomatoTomahto
Mon Jun 17, 2019 4:23 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 310
Views: 35115

Re: How Bad was 2008, really?

Many of our neighbors, acquaintances, and colleagues never returned to their previous levels of financial security.

It was bad, and most of us don’t appreciate how close to the brink of “much worse” we came.
by TomatoTomahto
Mon Jun 17, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 46
Views: 3085

Re: Are you a member of nextdoor.com? Any concerns registering your info?

Nextdoor here is used, in addition to the usual handyman/painter/etc referrals, for urgent news: loose dog, coyote sightings, and other notices which I don’t think there’s another avenue to broadcast.

I find it useful. The vibe is friendly. Sometimes anonymity is overrated.
by TomatoTomahto
Mon Jun 17, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4517
Views: 1164576

Re: What Movie Have You Recently Watched?

I also watch mostly people movies, and don’t really do hyper surround sound kinds of stuff. But, a good system is more immersive, comfortable seats are wonderful and attainable at home as much as in a theater, and most importantly for me, my home doesn’t have people crinkling candy wrappers, textin...
by TomatoTomahto
Sun Jun 16, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Mosquitos
Replies: 42
Views: 3262

Re: Mosquitos

Been using this for years. Chrysanthemum-based, no pesticide spraying! Very effective 15 mins after turning it on: https://www.amazon.com/Thermacell-MR-PSR-Shield-Mosquito-Repeller/dp/B075SCVY1B/ref=sxin_4_ac_d_rm?crid=NA68X15FJ5C5&keywords=thermacell&pd_rd_i=B075SCVY1B&pd_rd_r=c918560a-78d1-4476-8...
by TomatoTomahto
Sat Jun 15, 2019 7:41 pm
Forum: Personal Consumer Issues
Topic: Mosquitos
Replies: 42
Views: 3262

Re: Mosquitos

It’s not a short term solution, but we put out bat houses. Bats eat a LOT of mosquitos.

We also spray for ticks and mosquitos.
by TomatoTomahto
Sat Jun 15, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4517
Views: 1164576

Re: What Movie Have You Recently Watched?

Just saw Rocketman (Elton John biopic) at the neighborhood multiplex. If you haven't been to a movie in a few years, you should go. The digital projectors are incredibly sharp, film making has improved unbelievably, the sound is great, where we went they have lounge chairs that are far apart from o...
by TomatoTomahto
Sat Jun 15, 2019 11:39 am
Forum: Investing - Theory, News & General
Topic: Utilities - worth another look?
Replies: 87
Views: 5762

Re: Utilities - worth another look?

What possible black swans could exist for local utilities on a nationwide level? Energy input costs are passed to the ratepayer. Nationalization? No idea. It wouldn't be a black swan if I could predict it. Cyberattack? Hmmmm. So, with solar and batteries and an investment in utilities, I’m golden!!...
by TomatoTomahto
Sat Jun 15, 2019 10:40 am
Forum: Personal Investments
Topic: Vanguard Financial Plan requires Brokerage Account? Bait and switch?
Replies: 45
Views: 2685

Re: Vanguard Financial Plan requires Brokerage Account? Bait and switch?

A small number of clients can't have brokerage accounts as a previous poster has mentioned because of specific conflict of interest regulations for financial industry employees. For the rest of us this should be about as momentous as going from a legacy cell phone plan to an unlimited plan. In our ...
by TomatoTomahto
Sat Jun 15, 2019 9:17 am
Forum: Personal Finance (Not Investing)
Topic: At what net worth/ income level would you put your kids in private school?
Replies: 23
Views: 1375

Re: At what net worth/ income level would you put your kids in private school?

vineviz wrote:
Sat Jun 15, 2019 9:13 am
masonstone wrote:
Sat Jun 15, 2019 9:04 am
At what net worth/ income level would you put your kids in private over public school?
If I was wealthy enough to not care how good of an education my kids received, I’d choose private schools.
Haha. That’s pretty funny. :D
by TomatoTomahto
Sat Jun 15, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: At what net worth/ income level would you put your kids in private school?
Replies: 23
Views: 1375

Re: At what net worth/ income level would you put your kids in private school?

We decided based on dissatisfaction with the public school. At the time, it was noticeable financially. Over time, we have no regrets.

Politically, our preference is for public schools.

We discussed this just last night; how well the various kids are doing.
by TomatoTomahto
Sat Jun 15, 2019 8:59 am
Forum: Investing - Theory, News & General
Topic: 5 Million Into Fixed Income
Replies: 37
Views: 5299

Re: 5 Million Into Fixed Income

If absolutely security of the bond allocation was not the highest priority, why not one of the superb bond index funds from Vanguard or other firms? Total Bond, Short / Intermediate / Long-term Bond, etc., etc. There are a lot of good funds to choose from that should deliver a higher yield than Tre...
by TomatoTomahto
Sat Jun 15, 2019 8:45 am
Forum: Personal Investments
Topic: DIY for UHNW
Replies: 41
Views: 2792

Re: DIY for UHNW

It’s probably the latter. I’m in a similar boat and DIY because I can’t find any “edge” from going with a professional every time I’ve investigated it. It helps that I enjoy personal finance and read this site thoroughly and daily. Every year I ask my accountant “is there really nothing else I can ...
by TomatoTomahto
Sat Jun 15, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Should I call it quits?
Replies: 23
Views: 4738

Re: Should I call it quits?

Sounds like you are in your 20’s or early 30’s. Don’t stop working. You haven’t provided any numbers but you probably aren’t ready to retire. Your wife could lose her job. College expenses. Inflation. Keep working. Keep saving. If you don’t have kids I’d say stop working, sail around the world, etc...
by TomatoTomahto
Sat Jun 15, 2019 8:32 am
Forum: Personal Investments
Topic: Vanguard Financial Plan requires Brokerage Account? Bait and switch?
Replies: 45
Views: 2685

Re: Vanguard Financial Plan requires Brokerage Account? Bait and switch?

The Vanguard brokerage accounts are fine, and everybody will have one sooner or later. I don’t understand why so many bogleheads cling so desparately to the dying mutual fund accounts. You can either rip the bandaid off quickly and get it over with, or you can pull it off slowly and enjoy the painf...
by TomatoTomahto
Sat Jun 15, 2019 8:11 am
Forum: Personal Investments
Topic: Vanguard Financial Plan requires Brokerage Account? Bait and switch?
Replies: 45
Views: 2685

Re: Vanguard Financial Plan requires Brokerage Account? Bait and switch?

The Vanguard brokerage accounts are fine, and everybody will have one sooner or later. I don’t understand why so many bogleheads cling so desparately to the dying mutual fund accounts. You can either rip the bandaid off quickly and get it over with, or you can pull it off slowly and enjoy the painf...
by TomatoTomahto
Sat Jun 15, 2019 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Should I call it quits?
Replies: 23
Views: 4738

Re: Should I call it quits?

3) People sometimes focus on having a stay at home parent when they have young kids but in some ways it can be just as important when the kids are older. There are lots of options for day care and after school care for young kids but very few for teenagers and teenagers can get into a lot more trou...
by TomatoTomahto
Sat Jun 15, 2019 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Should I call it quits?
Replies: 23
Views: 4738

Re: Should I call it quits?

what she ^ said :D We made our decision in 2001, when it was much less common, and there was a learning curve for our colleagues and neighbors. It was odd sometimes being the only male volunteering at the school. However, thanks to a number of factors, in today's world, you won't be alone. I don't k...
by TomatoTomahto
Fri Jun 14, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Dental/Vision Insurance for Baby
Replies: 33
Views: 1340

Re: Dental/Vision Insurance for Baby

I have very high dental costs (thank you diabetes). We do a tiny bit better than “break even” on dental insurance, which is misnamed, it’s really a pre-paid dental plan.

We didn’t put the kids on the dental plan until they were of orthodontia age.
by TomatoTomahto
Fri Jun 14, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Dental/Vision Insurance for Baby
Replies: 33
Views: 1340

Re: Dental/Vision Insurance for Baby

I hear a major Dental Insurance Company is now going to expand to Auto Insurance. They will cover 2 oil changes per year but not accidents. :D
by TomatoTomahto
Fri Jun 14, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 104
Views: 6733

Re: Article on high deductible health plans - and the math

Not.Going.To.Be.Political.
ETA: Nor.Going.To.Call.Out.Blaming.The.Victim.
by TomatoTomahto
Fri Jun 14, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 3269

Re: Do you repair your own appliances?

I do sometimes Google or YouTube how to repair appliances. The search tells me whether I should get a repairman or buy a new appliance.
by TomatoTomahto
Fri Jun 14, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Should I call it quits?
Replies: 23
Views: 4738

Re: Should I call it quits?

One of the best decisions my wife and I ever made was for me to become a Stay At Home Dad. At the time, we missed my income a bit, as she and I made roughly comparable income. Since then, released from the burdens of worrying whether the kids were being short-changed, her career has zoomed. Do it. :...
by TomatoTomahto
Fri Jun 14, 2019 1:19 pm
Forum: Personal Investments
Topic: Why are my Vanguard returns suddenly so low?
Replies: 34
Views: 4894

Re: Why are my Vanguard returns suddenly so low?

You made me look. 1 year returns were 0.6% (raised a lot of cash for home purchase and renovation, so a lot in MM). 10 year returns were 8.9%. Life can be like that.
by TomatoTomahto
Fri Jun 14, 2019 11:55 am
Forum: Personal Investments
Topic: Do Preferred securities let you sleep well at night?
Replies: 26
Views: 2633

Re: Do Preferred securities let you sleep well at night?

Unless I miss my guess, there is the unmistakeable aroma of a salesman being wafted towards me. I doubt someone as unsophisticated as your BIL, as evidenced by his calling preferred the best of both worlds, would have opted to go all in on preferred stock without external encouragement. That he is g...
by TomatoTomahto
Thu Jun 13, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: Cartier bracelet
Replies: 40
Views: 3082

Re: Cartier bracelet

You might want to look into buying offshore at a duty free shop. Kirk Freeport https://www.kirkfreeport.net/ in Grand Cayman allegedly (according to a post found in a quick Google search) discounts 5% on Cartier Love Bracelet. Of course you have to get there but that might be one venue to explore. ...
by TomatoTomahto
Thu Jun 13, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: Cartier bracelet
Replies: 40
Views: 3082

Re: Cartier bracelet

<r><QUOTE author="7eight9" post_id="4592285" time="1560451163" user_id="148607"><s>[quote=7eight9 post_id=4592285 time=1560451163 user_id=148607]</s> You might want to look into buying offshore at a duty free shop. Kirk Freeport <URL url="https://www.kirkfreeport.net/">https://www.kirkfreeport.net/<...
by TomatoTomahto
Thu Jun 13, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 3721

Re: Tips for new pet owner

Notify your insurance company. They ask if you have pets for a reason. I can't imagine notifying my insurance agent for adding a Havanese to my household. But I do enjoy living on the edge. I have no idea what a Havanese is, but if it were a German Shepard or Rottweiler or pit bull, your Insurance ...
by TomatoTomahto
Thu Jun 13, 2019 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Big (expensive) remodel in LA -- advice and tips?
Replies: 12
Views: 1283

Re: Big (expensive) remodel in LA -- advice and tips?

We are doing a major renovation near Boston, and imo the price isn't out of line. We also went with a design-build firm, and couldn't be more pleased. We had previously used an architect separate from the builder, and much prefer this. Prices go up and down because of decisions you make. Sound insul...
by TomatoTomahto
Thu Jun 13, 2019 5:51 am
Forum: Personal Investments
Topic: High net worth individual seeks portfolio advice
Replies: 80
Views: 7982

Re: High net worth individual seeks portfolio advice

OP, we don't have a business and spend a lot more annually than you do, but otherwise we are similar. I understand your thinking about the markets. A reasonable person looking at the political goat rodeo can't imagine that there won't be a day of reckoning. Where we differ is that I don't take marke...
by TomatoTomahto
Wed Jun 12, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4517
Views: 1164576

Re: What Movie Have You Recently Watched?

Just saw Rocketman (Elton John biopic) at the neighborhood multiplex. If you haven't been to a movie in a few years, you should go. The digital projectors are incredibly sharp, film making has improved unbelievably, the sound is great, where we went they have lounge chairs that are far apart from o...
by TomatoTomahto
Wed Jun 12, 2019 1:43 pm
Forum: Personal Investments
Topic: mechanics of backdoor roth conversion for MFJ couple
Replies: 7
Views: 450

Re: mechanics of backdoor roth conversion for MFJ couple

roadnottaken wrote:
Wed Jun 12, 2019 1:34 pm
Thanks, can you do them at the same time (i.e. same day)?
Yes.
ETA: as long as the funds clear.
by TomatoTomahto
Tue Jun 11, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: How best to give broker payment to get apartment and win a race
Replies: 14
Views: 1319

Re: How best to give broker payment to get apartment and win a race

I wanted to pay someone $4500 in a hurry recently and used Zelle. Even though the limit on a Zelle payment at my bank (Wells Fargo) is $2500 I found that if I could send an "expedited" payment for $2100 and a "pay now" payment for $2400 within minutes of each other. Don't know if that will still wo...
by TomatoTomahto
Tue Jun 11, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 345
Views: 34332

Re: What lifestyle creep made you happier?

I just ordered a new HDTV... 77" LG 4K OLED. DW and I have been streaming more shows/movies lately, and our 13 y/o 52" Sony LCD is a relic. I was planning to wait until Black Fri sales, but decided the extra enjoyment from having it now will be worth it, as the extra $$ << value of brownie points I...
by TomatoTomahto
Tue Jun 11, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 345
Views: 34332

Re: What lifestyle creep made you happier?

RollTide31457 wrote:
Tue Jun 11, 2019 11:12 am
Bottled water and paper Dixie coffee cups. Easy to just throw in the trash rather having to wash.
HydroFlask and my own well water stored in the fridge. Tasty as all get out and stays cold for hours. I have multiple sets, and the dishwasher takes care of it.
by TomatoTomahto
Tue Jun 11, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: How best to give broker payment to get apartment and win a race
Replies: 14
Views: 1319

Re: How best to give broker payment to get apartment and win a race

I wanted to pay someone $4500 in a hurry recently and used Zelle. Even though the limit on a Zelle payment at my bank (Wells Fargo) is $2500 I found that if I could send an "expedited" payment for $2100 and a "pay now" payment for $2400 within minutes of each other. Don't know if that will still wo...
by TomatoTomahto
Tue Jun 11, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: How best to give broker payment to get apartment and win a race
Replies: 14
Views: 1319

Re: How best to give broker payment to get apartment and win a race

Or is your son not using the same broker to look at various apartments? I gather that in NYC, apartment “brokers” are anything from brokers who have a formal affiliation with an apartment building to scammers who are just trying to get cash for “showing” apartments whose owners never heard of them.
by TomatoTomahto
Tue Jun 11, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: How best to give broker payment to get apartment and win a race
Replies: 14
Views: 1319

Re: How best to give broker payment to get apartment and win a race

Maybe I should retitle the thread “Can I afford this apartment?”

:D
by TomatoTomahto
Tue Jun 11, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 233
Views: 12240

Re: I'm thinking about buying a supercar anyone here done this and feedback?

OP: I want to buy a super car, have millions of dollars, etc... Bogleheads: You should buy a Miata or Subaru. :oops: To be fair, the recommendations are for OP to learn on a car that will highlight teachable moments and not cover OP's errors through software or power. Yeah, the recommendation isn't...
by TomatoTomahto
Tue Jun 11, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 18485

Re: Paying for rent is throwing away money...myth?

pdavi21 wrote:
Tue Jun 11, 2019 9:11 am
Paying rent is throwing money away. The myth is that owning house isn't also throwing money away (property tax, repairs, insurance, mortgage interest, etc).
+1
The real myth is that we are anything but consumers, ever.