Search found 7435 matches

by TomatoTomahto
Wed Sep 19, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 41
Views: 2876

Re: Did you really have something to retire to?

I was a stay at home Dad, so when my kids went to college, they effectively “retired me.” I then hoped to convince my wife to retire. Failed. I then hoped to convince my wife to downsize. Failed. So, my retirement job is to get our new house in shape (repairs and remodeling). One goal I have is to g...
by TomatoTomahto
Mon Sep 17, 2018 6:35 am
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 36
Views: 2366

Re: Solar Install w/ SolarCity

Interesting analysis. As others have mentioned, that is too long of a break-even to interest me. Here in Arizona, solar sounds great, but there is quite a penalty from the electric company (fees) for going with solar. We looked into it, but our relatively low use of AC would make the payoff even lo...
by TomatoTomahto
Mon Sep 17, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 36
Views: 2366

Re: Solar Install w/ SolarCity

Also, I don't think I can use the Tesla Model S to power the house. I never heard of that actually happening.
People have asked about that for years. Won’t work.

If you manage to not kill yourself trying to Jerry rig it, your warranty will evaporate.
by TomatoTomahto
Sun Sep 16, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Embarking on a large-scale home update
Replies: 26
Views: 1265

Re: Embarking on a large-scale home update

student wrote:
Sun Sep 16, 2018 2:18 pm
Although I have never done a remodeling, I expect it to be stressful. So if money is not an issue, I would say do everything at one go.
That seems to be the consensus choice.
by TomatoTomahto
Sun Sep 16, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Embarking on a large-scale home update
Replies: 26
Views: 1265

Re: Embarking on a large-scale home update

After our trip to Japan last year, we'll be getting one. We were never quite sure how they'd be, and one thing is "they'll be better with controls in English" :D . We had never considered them anything but a curiosity, until my wife and son took a trip to Japan. Now, they apparently are a “must hav...
by TomatoTomahto
Sun Sep 16, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Embarking on a large-scale home update
Replies: 26
Views: 1265

Re: Embarking on a large-scale home update

I can only comment with experience on 2 things: 1. Keep a bathtub. It seems like you’re mainly concerned about older guests, but most little kids only want to take baths. Your kids are out of the house already and you plan to live there for a long time, so perhaps grandkids will be in the picture w...
by TomatoTomahto
Sun Sep 16, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Embarking on a large-scale home update
Replies: 26
Views: 1265

Re: Embarking on a large-scale home update

I know it’s extravagant, but we are thinking of putting in 3 Toto Washlet toilets (you know, the kind that do everything except wish you a pleasant afternoon). Any gotchas (aside from price)? Those things are great! Only thing I'd consider: If you don't already have them in your other bathroom(s), ...
by TomatoTomahto
Sun Sep 16, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Embarking on a large-scale home update
Replies: 26
Views: 1265

Re: Embarking on a large-scale home update

I would do it in phases. Don’t lose all of your bathrooms at once. Are you going to live there through the renovations? I think a kitchen is the heart of the home. If that s renovated, have a plan for how you will eat. Bathroom - leave 1 tub. Your plans sound great. We would still have the master b...
by TomatoTomahto
Sun Sep 16, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Embarking on a large-scale home update
Replies: 26
Views: 1265

Re: Embarking on a large-scale home update

The main issue you have not discussed that will basically answer all your questions of timing the project is do you have the money to do it all now? To answer that question you will have to get it sourced out. To do that it would be very time consuming and likely would still miss a lot of important...
by TomatoTomahto
Sun Sep 16, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Embarking on a large-scale home update
Replies: 26
Views: 1265

Embarking on a large-scale home update

Before I begin, please don’t turn this thread into a class warfare thread, accusing me of humble bragging, being greedy with the world’s limited resources, being spoiled, or whatever. If that’s what you think, please make a mental note that TomatoTomahto is a _________, and go about your business. I...
by TomatoTomahto
Sun Sep 16, 2018 6:55 am
Forum: Personal Consumer Issues
Topic: Any reasons to not put money down for a Tesla Model 3?
Replies: 62
Views: 4996

Re: Any reasons to not put money down for a Tesla Model 3?

But I love what Tesla is doing. I'm really proud of the people who are committed to changing the auto industry. I have around 5 years experience with Tesla, and 50-plus years with other automotive firms. For the most part, there is a qualitative difference in the people who work there. Not every Te...
by TomatoTomahto
Sat Sep 15, 2018 7:18 pm
Forum: Investing - Theory, News & General
Topic: ESOP, Options, Restricted Shares holders: When do you sell?
Replies: 21
Views: 977

Re: ESOP, Options, Restricted Shares holders: When do you sell?

I get RSU's and sell immediately and invest according to my AA. RSU's are just more income to me. If I think about them any other way, I get cornfused and am liable to do something stupid. Yes. OP asked how this worked for us. One company, thank heavens we sold as soon as we could; big win. Another...
by TomatoTomahto
Sat Sep 15, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on American Funds
Replies: 28
Views: 1828

Re: Opinions on American Funds

I wouldn’t pay that much in fees for an active fund. Do they have any some low cost options?

I guess, in a pinch, I’d do it for the tax deferral, but sheesh!
by TomatoTomahto
Sat Sep 15, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: PSA: Cross country relocation expenses
Replies: 13
Views: 1211

Re: PSA: Cross country relocation expenses

If you are doing a company paid relocation then one thing to realize is that almost all of the expenses that the company pays except for a few things like the moving truck and limited hotel expenses are considered to be taxable income for you. We paid estimated taxes to account for this. The rules ...
by TomatoTomahto
Sat Sep 15, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: PSA: Cross country relocation expenses
Replies: 13
Views: 1211

Re: PSA: Cross country relocation expenses

t used to be that many of these expenses were tax-deductible...
We moved in March of 2018 from NJ to MA. We wish that we had moved a few months earlier. Expenses were deductible, but as of Jan 1, 2018, no longer.
by TomatoTomahto
Fri Sep 14, 2018 5:37 am
Forum: Investing - Help with Personal Investments
Topic: Is it LMP/RP, is it Buckets, is it rising equity AA, is it mental accounting, or is it just MLA? (Myopic loss aversion)?
Replies: 17
Views: 1220

Re: Is it LMP/RP, is it Buckets, is it rising equity AA, is it mental accounting, or is it just MLA? (Myopic loss aversi

We are doing a LMP/RP kind of thing. DW is still working, and excess goes to RP.

The best part of this strategy is that I don’t have to think about AA. Our funds will be “sufficient.”
by TomatoTomahto
Sat Sep 08, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 2996

Re: Is it sensible to buy a car from Elon Musk?

He is kind of wacky. Maybe someone who isn’t wacky wouldn’t have undertaken starting an EV company, building a supercharger network, starting a Space company, landing reusable rockets on a barge, etc etc etc. I love my Model X. I have a deposit down on 4 Tesla Powerwalls. Musk smoking pot on camera:...
by TomatoTomahto
Sat Sep 08, 2018 6:19 am
Forum: Personal Consumer Issues
Topic: Buy a house that needs full renovation?
Replies: 40
Views: 1658

Re: Buy a house that needs full renovation?

Any desire to tear it down and build new? Did you outbid any developers?
by TomatoTomahto
Wed Sep 05, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Electric dryers more efficient than gas?!?!?!?
Replies: 22
Views: 2635

Re: Electric dryers more efficient than gas?!?!?!?

Heat pump clothes dryers are far more efficient than gas, in fact >100% efficient. Like heat-pump HVAC equipment, they can achieve this feat because they do not use energy to create heat, but merely move it from place to place. In some situations, this advantage more than makes up for the cost diff...
by TomatoTomahto
Wed Sep 05, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Electric dryers more efficient than gas?!?!?!?
Replies: 22
Views: 2635

Re: Electric dryers more efficient than gas?!?!?!?

I know you were asking about a dryer, but to follow up on my point about washers drying clothes so much better than in my recollection, you might consider replacing the washer also if it’s getting on in years, esp if you can get a deal. We hardly run our dryer any more; just a few minutes per load. ...
by TomatoTomahto
Wed Sep 05, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Electric dryers more efficient than gas?!?!?!?
Replies: 22
Views: 2635

Re: Electric dryers more efficient than gas?!?!?!?

We just replaced one of our dryers (we have 2, never asked previous owner why). We had a propane hookup, and opted to go electric for a number of reasons (cost of propane, extra cost of gas dryer, extra extra cost of propane conversion). We might still have gone propane (one less call to plumber), b...
by TomatoTomahto
Wed Sep 05, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Your experience with Nitrous for a dental implant?
Replies: 27
Views: 1165

Re: Your experience with Nitrous for a dental implant?

The time I did Novocain only, the Oral Surgeon told me it was nice working on someone who could follow commands for a change, so I must be in the minority. I'm old enough to have had 2 friends not come back from general, albeit years ago. Still, if I don’t have to, I won’t. I’ve had nitrous once, t...
by TomatoTomahto
Tue Sep 04, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4578

Re: How much do you spend on kids extracurriculars?

In olden times there were open fields, sometimes local parks, and neighborhood kids to play with. Kids did fine. We seem to have lost that except in the smaller more rural areas. Seriously. Whatever happened to doing your homework and then biking over to a friend's house to play? My kids did some o...
by TomatoTomahto
Tue Sep 04, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4578

Re: How much do you spend on kids extracurriculars?

I would not *DARE* reveal on this site how much I spend on extracurricular activities for my kids (I have 3), because you would all think I was insane. If anyone out there has a competitive figure skater in the mix, you know what I'm saying! Thankfully, only one of the three skates. :) My kids got ...
by TomatoTomahto
Mon Sep 03, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4578

Re: How much do you spend on kids extracurriculars?

The time was a bigger deal than the money for us I jokingly referred to an ice hockey goalie before, but please indulge me for a moment in a possibly half-baked theory. I have wondered why some sports have fewer “problem” kids than other sports. I think it might in part be that those sports that ha...
by TomatoTomahto
Mon Sep 03, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4578

Re: How much do you spend on kids extracurriculars?

I did buy him random textbooks that he wanted. Check out Art of Problem Solving for Math. Fairly inexpensive books, but I confess that I don't know what he did with them once he had them.
The AoPS books are first rate. Let’s hope your son opened them :D
by TomatoTomahto
Mon Sep 03, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4578

Re: How much do you spend on kids extracurriculars?

Just don’t let them become ice hockey goalies.
by TomatoTomahto
Sun Sep 02, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: How's our family portfolio and am I crazy for considering a huge pay cut?
Replies: 16
Views: 1480

Re: How's our family portfolio and am I crazy for considering a huge pay cut?

Entry level positions for a 40 year old are possible to find but you sand a very real risk of going from a high paying job that you don't like to a low paying job that you don't like. That’s the issue I see, and I haven’t run any numbers. There are only two things worse than a high paying job you d...
by TomatoTomahto
Sat Sep 01, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Vacuum Tubes
Replies: 15
Views: 1674

Re: Vacuum Tubes

mouses wrote:
Sat Sep 01, 2018 8:39 am
Okay, I'll ask what are you folks talking about? For radios?
If you have a high-end audio shop near you, you might want to listen to a good tube amplifier. The sound is completely different than you’re accustomed to. Danger danger; it can spoil you for anything else.
by TomatoTomahto
Fri Aug 31, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Vacuum Tubes
Replies: 15
Views: 1674

Re: Vacuum Tubes

3 cheers for you who still value the sound of tubes. I gave up and went solid state some time ago, but I have great respect for you diehards. :sharebeer
by TomatoTomahto
Fri Aug 31, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Getting quotes for geothermal
Replies: 25
Views: 1560

Re: Getting quotes for geothermal

WhyNotUs wrote:
Fri Aug 31, 2018 7:55 am
FWIW, the system that you are seeking is really geo-exchange rather than geothermal.
I guess the incorrect term has come into common usage.
by TomatoTomahto
Fri Aug 31, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Getting quotes for geothermal
Replies: 25
Views: 1560

Re: Getting quotes for geothermal

Our home had a "Cadillac" level geothermal system when we purchased it back in the 80's. I am surprised at the need for 13T. Ours was 4.5 ton for 2200 sq ft house. We are in Ohio so I doubt that your winters/summers are much worse than ours. When the geo was working properly, the emergency backup h...
by TomatoTomahto
Fri Aug 31, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: Nanny online payment services - why are they so expensive?
Replies: 30
Views: 3255

Re: Nanny online payment services - why are they so expensive?

We no longer have a nanny. I used a spreadsheet to track quarterly reporting requirements. In NJ, what had been a PITA became much easier after the Internet made it to Trenton. Every quarter, I filed a 940 for household workers for NJ. Annually, I filed NJ summary and Federal. I could pay online. My...
by TomatoTomahto
Fri Aug 31, 2018 6:45 am
Forum: Personal Consumer Issues
Topic: Getting quotes for geothermal
Replies: 25
Views: 1560

Re: Getting quotes for geothermal

Our home had a "Cadillac" level geothermal system when we purchased it back in the 80's. I am surprised at the need for 13T. Ours was 4.5 ton for 2200 sq ft house. We are in Ohio so I doubt that your winters/summers are much worse than ours. When the geo was working properly, the emergency backup h...
by TomatoTomahto
Fri Aug 31, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: Getting quotes for geothermal
Replies: 25
Views: 1560

Re: Getting quotes for geothermal

- I am not sure a battery pack would do it at a feasible size - think you need total output from HP at say 30 kw (Europe we do things in kw & kwhr, conversion factors are 3.8 litres/ US gal, from memory 1 kwhr = 3466 BTU (have not googled). So that is 10kw and say it runs 12 hrs/ day - that's 120 k...
by TomatoTomahto
Fri Aug 31, 2018 2:03 am
Forum: Personal Consumer Issues
Topic: Getting quotes for geothermal
Replies: 25
Views: 1560

Re: Getting quotes for geothermal

Hey Smoke, shame on me for not noticing that you’re a new poster in the forum. Welcome! Thanks for posting.
by TomatoTomahto
Thu Aug 30, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Getting quotes for geothermal
Replies: 25
Views: 1560

Re: Getting quotes for geothermal

Hot water with a desuperheater will not heat all your hot water, which is why they are including an "electric booster" not sure what they mean by that actually. However a desuperheater Needs TWO hot water tanks. The desuperheater heats the first tank to a close to hot temp (preheat) then goes to a ...
by TomatoTomahto
Thu Aug 30, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Getting quotes for geothermal
Replies: 25
Views: 1560

Re: Getting quotes for geothermal

Are you planning an open loop or closed loop system? I ask because my house had an open loop system when I bought it and it didn't function properly due to water table. We eventually had to scrap it and convert to natural gas. What I know about geothermal can fit into a thimble, but my impression i...
by TomatoTomahto
Thu Aug 30, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Getting quotes for geothermal
Replies: 25
Views: 1560

Re: Getting quotes for geothermal

The challenge for your home with regards to geothermal is the hot water baseboard. Most baseboards are designed for 180 deg F water. Geothermal water-to-water systems aren't very efficient above 100 F output, and very few can go above ~120 F for long periods of time. The air handlers and radiant (a...
by TomatoTomahto
Thu Aug 30, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Getting quotes for geothermal
Replies: 25
Views: 1560

Re: Getting quotes for geothermal

I have had 4 ton "Ground Source" Heatpump for 9 yrs now. So I can help with some info after I ask a few questions. 1. What is the source of the outside GeoThermal system, Wells/pond/trench/coil bed etc. Whatever you would call a hole dug in the ground. They called it a “vertical loop.” 2. Do you pl...
by TomatoTomahto
Thu Aug 30, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 11706

Re: How do you 7 figure guys organize multiple accounts?

I use Vanguard. They have the option to enter outside accounts. Every month or so I manually update them. I'm looking on their site for this option. Can you give me a hint how I can do this? Update: Found the answer to my question. Thank you for posting. You've opened a new door for me. Yes, it was...
by TomatoTomahto
Thu Aug 30, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Getting quotes for geothermal
Replies: 25
Views: 1560

Re: Getting quotes for geothermal

JBTX wrote:
Thu Aug 30, 2018 12:22 pm
The only thing I know about geothermal is president gwbush's ranch in Texas has geothermal. Good enough for him, good enough for you? :happy
If Yale and geothermal are good enough for them, they’re good enough for my family too :D

It’s actually a bit of a surprise down in Oil Country.
by TomatoTomahto
Thu Aug 30, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Zelle, online payments
Replies: 53
Views: 4352

Re: Zelle, online payments

Question- What are the situations where you use a service like Zelle or Venmo? Obviously I haven't used either but am intrigued. dinner movies rent. anything that you would split with someone else. some banks charge to transfer money to another banks account. this is free. I pay my occasional garde...
by TomatoTomahto
Thu Aug 30, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Zelle, online payments
Replies: 53
Views: 4352

Re: Zelle, online payments

I pay most of my smaller (I.e. < $1k) bills with them. A few vendors still want paper checks, and some prefer Venmo.
by TomatoTomahto
Thu Aug 30, 2018 7:48 am
Forum: Investing - Theory, News & General
Topic: Fund Manager Software
Replies: 14
Views: 802

Re: Fund Manager Software

I have quite a history in Quicken of transactions. How good is Fund Manager at importing that?
by TomatoTomahto
Thu Aug 30, 2018 6:44 am
Forum: Personal Consumer Issues
Topic: Getting quotes for geothermal
Replies: 25
Views: 1560

Getting quotes for geothermal

I have noticed that there are some forum members who have experience/knowledge of geothermal. We have a large home near Boston. Some of our AC condensers are old and beginning to show their age. Ditto the air handlers. All are one speed, old, and inefficient. We have an older Viessmann boiler that h...
by TomatoTomahto
Wed Aug 29, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9616

Re: How do you save money on groceries?

Any additional money saving ideas for grocery shopping? The American Express Blue Everyday card has a 3% rebate at supermarkets and it does not have an annual fee. You need to check the statement since some supermarkets are not coded as "supermarkets" in the credit card system since they sell other...
by TomatoTomahto
Wed Aug 29, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 11706

Re: How do you 7 figure guys organize multiple accounts?

I use Vanguard. They have the option to enter outside accounts. Every month or so I manually update them. This. Honestly, this is one of the more helpful aspects of PAS. We have Roths, a taxable brokerage account, and a money market fund account at Vanguard. I log in monthly and update our 401k/TSP...
by TomatoTomahto
Wed Aug 29, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 11706

Re: How do you 7 figure guys organize multiple accounts?

Edit to add: Actually I do have my password manager password written down and put it in my safe deposit box. Just in case a different kind of calamity other than an internet security breach should befall me. I’m glad you added that. I put mine in an envelope labeled “Open if TomatoTomahto is dead o...
by TomatoTomahto
Tue Aug 28, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 74
Views: 5798

Re: "distilled" water for wife's CPAP machine

dm200 wrote:
Tue Aug 28, 2018 2:35 pm
Since she has received a newer model CPAP machine, my wife reports that she uses more distilled water each night.
We told her to tell you that, just to worry you :annoyed