Search found 7818 matches

by TomatoTomahto
Mon Dec 17, 2018 4:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781616

Re: U.S. stocks in free fall

I think the current market is either driven by QE unwinding or my dog started eating dry food again. I give each an equal probability. Hmm. If dog food is a leading indicator, I'd rather not know what constitutes a trailing indicator. Okay, that was literally a laugh out loud :D , especially as I h...
by TomatoTomahto
Mon Dec 17, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another Roth vs Traditional 401k thread
Replies: 41
Views: 1762

Re: Yet another Roth vs Traditional 401k thread

I looked up Mass. estate tax and the exemption I found listed was $1,000,000. Is that current and is that a consideration? It is a consideration. We are unlikely to let the estate tax tail wag the lifestyle dog, ie by moving elsewhere, but it’s a consideration. If you should predecease your wife sh...
by TomatoTomahto
Mon Dec 17, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another Roth vs Traditional 401k thread
Replies: 41
Views: 1762

Re: Yet another Roth vs Traditional 401k thread

Unless you move between brackets, doing a Roth conversion is equivalent to contributing to a Roth 401k. If the former isn't worthwhile, then neither is the latter. If the latter is worthwhile, so is the former. I understand that. The 401k has an upper bound of $24k, which comes out of paychecks and...
by TomatoTomahto
Mon Dec 17, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another Roth vs Traditional 401k thread
Replies: 41
Views: 1762

Re: Yet another Roth vs Traditional 401k thread

Once your wife retires and all RSUs have paid out plus you're both getting RMDs, will that be enough to completely fund your spending? If so, you'll probably never touch the Roth so the only thing that matters is the tax rate of your heirs. If theirs is lower than yours, don't contribute to the Rot...
by TomatoTomahto
Mon Dec 17, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another Roth vs Traditional 401k thread
Replies: 41
Views: 1762

Re: Yet another Roth vs Traditional 401k thread

You didn't mention whether you planned to stay in MA. If there's a possibility you might move to a state with lower/no income taxes (TX and FL, for example), that would be one argument for staying with traditional. I expect to leave our current home horizontally. My wife plans to do the same. :shar...
by TomatoTomahto
Mon Dec 17, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another Roth vs Traditional 401k thread
Replies: 41
Views: 1762

Re: Yet another Roth vs Traditional 401k thread

If it is very likely that you will be in the same tax bracket later, there is not a strong argument for doing a Roth conversion now unless your wife is much younger than you are. A Roth conversion, with taxes paid from a regular account, needs time to grow to break even with the taxes paid the year...
by TomatoTomahto
Mon Dec 17, 2018 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another Roth vs Traditional 401k thread
Replies: 41
Views: 1762

Yet another Roth vs Traditional 401k thread

Some recent threads have raised a question in my mind: should my wife be contributing to a Roth 401k or a traditional? Rather than hijack any of those threads, I thought I’d start one to deal specifically with our situation. Those other threads were hijacked by another poster, and I’d ask that this ...
by TomatoTomahto
Mon Dec 17, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 140
Views: 11305

Re: Can I buy a Tesla?

I know this is an old thread. I was just reading some recent threads by valuethinker and they’re brilliant. I appreciate his/her ability to so clear articulate interesting insights. What is most impressive is that ValueThinker's comments are made from thousands of miles away and without having the ...
by TomatoTomahto
Mon Dec 17, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Birdwatching telescope recommendations
Replies: 17
Views: 892

Re: Birdwatching telescope recommendations

jebmke, On paper, the Vortex looks like it's our speed, as entry-level birders. As a photographer, I've always been a fan of Leica, but holy smokes, they don't give them away. We will go to a store that has them on hand. If we follow our usual trajectory, we will buy an "affordable" scope, and then,...
by TomatoTomahto
Sun Dec 16, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Birdwatching telescope recommendations
Replies: 17
Views: 892

Re: Birdwatching telescope recommendations

I will consider a used 600. My go-to body is a D4, and I’ve gotten good results (hockey) at high ISO and fast shutter speeds.

But, a spotting scope is something my wife would also use, whereas she doesn’t use the D4.
by TomatoTomahto
Sun Dec 16, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Birdwatching telescope recommendations
Replies: 17
Views: 892

Re: Birdwatching telescope recommendations

Thanks bhsince87,

I do have a very good 70-200mm f/2.8 lens. My camera bodies are full frame, so I don’t get any additional “reach.”

I haven’t liked using 1.4x adapters, since they were too dark for hockey shooting, but they’d probably be fine for daylight bird photography. Maybe even a 2x.
by TomatoTomahto
Sun Dec 16, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Birdwatching telescope recommendations
Replies: 17
Views: 892

Re: Birdwatching telescope recommendations

This is much more expensive than I thought. So, I’ll research a bunch more. Apparently, there’s a mismatch between the curvature of an eye looking through the eyepiece and the flat field a camera expects to photograph. A good optical resolution of that difference is an additional expense. I’m leanin...
by TomatoTomahto
Sun Dec 16, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Lottery Tickets
Replies: 30
Views: 1668

Re: Lottery Tickets

To me, sounds super tacky! And I buy them once every blue moon. Good luck. I had written a slightly longer reply, but it started with this. I'll just double down here :wink: And IF one offends sme current/past customer who are truly anti-gambling (or know someone with a gambling problem!), then tha...
by TomatoTomahto
Sun Dec 16, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Roth or Trad 401k - 24% bracket
Replies: 35
Views: 1470

Re: Roth or Trad 401k - 24% bracket

No complaints here I got great benefits by reducing taxes in my earning years but I should have done some more Roth conversions while I had the chance. A factor to consider is what age you plan to retire and how far that is from collecting a pension or SS. Yup. If I knew then what I know now, and i...
by TomatoTomahto
Sun Dec 16, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Birdwatching telescope recommendations
Replies: 17
Views: 892

Re: Birdwatching telescope recommendations

Haha. That other lens he’s carrying looks like it just jumped into cold water and got shrinkage.
by TomatoTomahto
Sun Dec 16, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Birdwatching telescope recommendations
Replies: 17
Views: 892

Birdwatching telescope recommendations

I searched and didn’t find a thread for this topic. We recently purchased a house that is tucked in the woods. We have many birds (and other wildlife) on or near our land. We do have good binoculars, but I’d like a steadier telescope to watch them. I have a Manfrotto 502AH Pro Video Head with Flat B...
by TomatoTomahto
Sun Dec 16, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6043

Re: Should I buy a Tesla?

Does it make sense that Tesla wants to sell you their car at retail but pay wholesale for your car? Of course it does; they're not in the used car business (other than used Teslas). You're under no obligation to use their trade-ins. Sell privately, CarMax, whatever. Tesla doesn't do the appraisal, ...
by TomatoTomahto
Thu Dec 13, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22066

Re: What percentage of your net worth is your home equity?

I was using this as a break from the news today. I seldom watch TV news, but so much broke today.

Net worth isn’t net worth; facts are not facts; yowza.
by TomatoTomahto
Thu Dec 13, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22066

Re: What percentage of your net worth is your home equity?

...One Mod told me that the answer to annoying people was to report their post to a moderator. Which misses the point that I'd like to handle it like an adult and ignore the person instead of squealing to the teacher. On top of which, many of the posts I would choose to ignore are not DIRECTLY cont...
by TomatoTomahto
Thu Dec 13, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6043

Re: Should I buy a Tesla?

Does the bottom line ($40k) Tesla have all the Auto-drive features? yes. RWD, Mid range (260miles) upgraded paint and auto-drive feature I have lost track of which cars get which breaks on Supercharging, and I don't know if you will have a charger at home or work, but something to include in your c...
by TomatoTomahto
Thu Dec 13, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22066

Re: What percentage of your net worth is your home equity?

Fire2030 wrote:
Thu Dec 13, 2018 2:34 pm
Is it about time for LadyGeek to step in or I could stop reading the thread :oops:
I have vowed to stop, but it's like rubbernecking a car accident; it keeps drawing me in :D
by TomatoTomahto
Thu Dec 13, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22066

Re: What percentage of your net worth is your home equity?

KlangFool, Then it's very simple - those folks are considering their portfolio size and not their net worth. Standard terms like "net worth" have well-defined meanings, and you risk confusing people who are trying to learn by redefining a standard term to your liking. Just tell people that you thin...
by TomatoTomahto
Thu Dec 13, 2018 11:22 am
Forum: Forum Issues and Administration
Topic: Ignore list?
Replies: 2
Views: 581

Re: Ignore list?

Thanks. I guess there’s no point in arguing over it. Additionally, with some thread hijacks, I’d have to read the quoted texts anyway.
by TomatoTomahto
Thu Dec 13, 2018 11:11 am
Forum: Forum Issues and Administration
Topic: Ignore list?
Replies: 2
Views: 581

Ignore list?

Is there a handy way to ignore certain posters? Something like a blacklist, or unfollow?
by TomatoTomahto
Thu Dec 13, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22066

Re: What percentage of your net worth is your home equity?

SQRT wrote:
Thu Dec 13, 2018 11:04 am
This thread has me wondering if there is a way to ignore certain posters? Couldn’t find one?
I think there’s a blacklist button. I will look for it.
by TomatoTomahto
Thu Dec 13, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6043

Re: Should I buy a Tesla?

I'm here still! Not sure if I ever said $0 but it is a horrible stock. My recollection is that you were one of the more moderate shorts. Someone else (can’t remember username) said it was going to $0, Musk was going to jail, etc. He made it sound like both would happen before the year was up. Btw, ...
by TomatoTomahto
Thu Dec 13, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6043

Re: Should I buy a Tesla?

I forgot to mention: my BIL rented a model 3 recently, and we both drove it. He purchased a Model 3 to go with his Model S. It seemed a wonderful car for the short time I drove it. He reports being very happy with the 3 (as he is with the S).
by TomatoTomahto
Thu Dec 13, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6043

Re: Should I buy a Tesla?

I don’t know your finances. I am in my later 60s and have had many cars. I loved my first car, a beater when I was a teenager, because it gave me freedom. I have since owned many cars: a Mercedes I liked a lot, a Saab I liked a bit, and numerous other cars (many Range Rover hand-me-downs from my wif...
by TomatoTomahto
Wed Dec 12, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22066

Re: What percentage of your net worth is your home equity?

File most of this discussion under: "when someone makes an impetuous statement that is based on a kernel of an idea, that even he no longer believes in, but whose pride/ego won't let him back off."

Y-A-W-N
by TomatoTomahto
Wed Dec 12, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2283

Re: Recommend dish drainer (rack)

We were recommended this model when we remodeled our kitchen 8 years or so ago. I would have never thought twice about it, but it’s been great. Water drains into the sink. It’s never rusted. Holds lots of stuff. Thank you for this recommendation. Mine arrived a few days ago. I have no idea if it wi...
by TomatoTomahto
Wed Dec 12, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22066

Re: What percentage of your net worth is your home equity?

RN, I was looking for that quote, but gave up. Thanks. I got out my handy dandy Googler window, with " when i use a word humpty dumpty " :wink: It even auto-completed this part way through. RM I made the mistake of thinking it was the Red Queen, so I misled Google. It’s been too long since . . . an...
by TomatoTomahto
Wed Dec 12, 2018 7:32 am
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22066

Re: What percentage of your net worth is your home equity?

RN, I was looking for that quote, but gave up. Thanks.
by TomatoTomahto
Wed Dec 12, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22066

Re: What percentage of your net worth is your home equity?

Only on Bogleheads will there be people who know how to calculate bond duration, but don’t understand the meaning of the word “assets” when calculating net worth. If we’re not careful, this will become the new “stocks in free fall” thread. Sheesh. I think it might already hold the BH record for peo...
by TomatoTomahto
Tue Dec 11, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22066

Re: What percentage of your net worth is your home equity?

That makes us - and others like us - among the "lower savings/investments" group, who "need" the equity to "sound better"? Really? I’m sure ponyboy didn’t mean to include you. In fairness, it is common for young people, with little savings and just starting out, to count their home equity as a way ...
by TomatoTomahto
Tue Dec 11, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22066

Re: What percentage of your net worth is your home equity?

I do not count my house as part of my net worth. If someone is counting the house as part of their net worth, they had bought too much house. KlangFool Actionably: I cannot pay my retirement expenses with the home I live in. And, it's not counted as net worth. And, is not related to my allocation n...
by TomatoTomahto
Tue Dec 11, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 102
Views: 7090

Re: Electric bill with LED

With a gas furnace ... You get the best savings. I got a tax break to install high efficiency furnace and on demand hot water heater, I switched from oil to natural gas. The heat that used to go up the chimney is now recycled into the house. I save about $4000 a year in heat and hot water. I also s...
by TomatoTomahto
Mon Dec 10, 2018 6:27 am
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 102
Views: 7090

Re: Electric bill with LED

I just bought 44 LED bulbs from my local Ace Hardware for a total of $11 plus tax, that’s four for a dollar, it’s a special sale. I bought a mix of 60W and 75W incandescent-equivalents, all 2700K color temperature, and they’re dimmable. It’s enough to convert two houses to LED. That's quite a deal....
by TomatoTomahto
Sun Dec 09, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: Another Roth vs. Traditional question
Replies: 29
Views: 1715

Re: Another Roth vs. Traditional question

Folks with the Trad 401K, Roth IRAs and the taxable account have more money invested versus Roth 401K folks. Hence, they could reach their number earlier. They have the choice of continuing work if they want to. Meanwhile, the Roth 401K folk do not have this choice with 8K less per year invested. I...
by TomatoTomahto
Sun Dec 09, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: Low need to take risk - decrease allocation to stocks?
Replies: 42
Views: 3211

Re: Low need to take risk - decrease allocation to stocks?

For others in similar circumstances, do you have a reduced allocation to stocks as well? Reading the posts here I always get the impression that most people have 60%+ in equities regardless the size of the portfolio. We are in similar circumstances, and no longer do a percentage based asset allocat...
by TomatoTomahto
Sun Dec 09, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: Low need to take risk - decrease allocation to stocks?
Replies: 42
Views: 3211

Re: Low need to take risk - decrease allocation to stocks?

For others in similar circumstances, do you have a reduced allocation to stocks as well? Reading the posts here I always get the impression that most people have 60%+ in equities regardless the size of the portfolio. We are in similar circumstances, and no longer do a percentage based asset allocat...
by TomatoTomahto
Sun Dec 09, 2018 2:26 pm
Forum: Investing - Theory, News & General
Topic: Another Roth vs. Traditional question
Replies: 29
Views: 1715

Re: Another Roth vs. Traditional question

Heirs will prefer an inherited Roth IRA over an inherited Traditional IRA. If you think you are going to leave a lot of your retirement account assets to your heirs do you want to pay their tax now or let them take care of it? Taxable investing isn't bad. Qualified dividends, preferential capital g...
by TomatoTomahto
Sun Dec 09, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Attic insulation-R30 to R60 worth it?
Replies: 33
Views: 3247

Re: Attic insulation-R30 to R60 worth it?

Our situation is somewhat different to yours (flat rubber roof on top of half of a cathedral ceiling, no attic). We have only, so far, been able to insulate the flat half of the roof, going from Rn (who knows, a few wet fiberglass batts were found) to R60+. Since it's our first winter in the house, ...
by TomatoTomahto
Sun Dec 09, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Attic insulation-R30 to R60 worth it?
Replies: 33
Views: 3247

Re: Attic insulation-R30 to R60 worth it?

chambers136 wrote:
Sat Dec 08, 2018 9:25 pm
Consider cellulose insulation instead of fiberglass. It does a better job of blocking airflow through the insulation. You will need many more bags of insulation, but the bags are much cheaper.
+1. Cellulose is also much more eco friendly.
by TomatoTomahto
Sun Dec 09, 2018 10:20 am
Forum: Forum Issues and Administration
Topic: Just donated to bogleheads.org
Replies: 3
Views: 446

Re: Just donated to bogleheads.org

I've done it before, but thanks for the reminder.
by TomatoTomahto
Sun Dec 09, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Requesting advice
Replies: 16
Views: 1250

Re: Requesting advice

John (I'm assuming), You will probably get more responses if you put the full mutual fund names in your post. Many of us know what VTSAX is, but many don't, and almost everyone will go to the next post rather than look up the fund. For example, I don't remember off the top of my head what VTHRX is, ...
by TomatoTomahto
Sat Dec 08, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Solar Tax Credit
Replies: 11
Views: 1160

Re: Solar Tax Credit

Any other thoughts? If you accurately described how he explained it, i would get a new CPA. It seems too “clever” by far. ETA: I do not want to be left with the nagging feeling that it is unethical or I am so-called “gaming the system”. I’m not familiar with this scheme, but my guess is that the fe...
by TomatoTomahto
Sat Dec 08, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Best Alternative to Vanguard (Taxable Investing)
Replies: 20
Views: 2962

Re: Best Alternative to Vanguard (Taxable Investing)

Recently just started a job that is requiring me to shut down my vanguard account. Decided to go with Schwab so I could set the mutual fund investments at $0 and have it all be automatic (no worry about $10k min or trading ETFs). Still in the process of moving it all over but to date their customer...
by TomatoTomahto
Sat Dec 08, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Spotify or Amazon Music?
Replies: 44
Views: 3200

Re: Spotify or Amazon Music?

It’s not worth it if you are only using it in your car, but if you intend to do critical listening, I recommend TIDAL. Guarantee at least CD quality, and an ever expanding list of Master Quality selections. Software is clunky, but the sound is sweet.
by TomatoTomahto
Sat Dec 08, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 12989

Re: Who else is getting excited? [about the market]

Afaik there is no Defined Benefit scheme that provides more than 70 per cent of final salary cpi indexed. Such would be almost actusrially Impossible. Is there such a scheme in US public sector, say? Last year, more than 5,400 UC retirees received pensions over $100,000. Someone without a pension w...
by TomatoTomahto
Sat Dec 08, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 12989

Re: Who else is getting excited? [about the market]

I’m older with a pension, but it’s far from cushy (less than $2k per month, no COLA). $2k per month is better than a stick in the eye, but all it would take is a couple of years of aggressive inflation to make it rounding error. Well, your $2,000/mo might not seem like a lot to you, but my friends ...