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by TomatoTomahto
Fri Aug 31, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: Getting quotes for geothermal
Replies: 33
Views: 2355

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: 33
Views: 2355

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: 33
Views: 2355

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: 33
Views: 2355

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: 33
Views: 2355

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: 33
Views: 2355

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: 12123

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: 33
Views: 2355

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: 4513

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: 4513

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: 864

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: 33
Views: 2355

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: 157
Views: 10497

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: 12123

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: 12123

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: 5989

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
by TomatoTomahto
Tue Aug 28, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 22054

Re: Decent compensation to move to Bay Area CA?

A wrinkle we didn’t plan for is that any moving related expenses paid for by the receiving company will be taxed as ordinary income. We had house sale broker fees, household goods move, house search trips, etc. paid for, and unfortunately moved after January 1, 2018, when the rules on deductions cha...
by TomatoTomahto
Tue Aug 28, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 12123

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

I use a spreadsheet. Seriously? Thats such a pain. 5 different brokerage companies (with 7 different log ins between 2 spouses) and 3 banks. Blah :oops: Hulk, 1) Why? My Quicken update all accounts KlangFool For once, KlangFool and I agree. I have been using quicken for more than a decade. Easy Pea...
by TomatoTomahto
Mon Aug 27, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: What to put in a care package for college student
Replies: 44
Views: 2761

Re: What to put in a care package for college student

2pedals wrote:
Mon Aug 27, 2018 7:39 pm
Noise cancelling headphones and ear plugs.
An uncle gave my son a gift of noise canceling headphones, and they were used throughout college. Good idea.
by TomatoTomahto
Mon Aug 27, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: What to put in a care package for college student
Replies: 44
Views: 2761

Re: What to put in a care package for college student

AlphaLess wrote:
Sun Aug 26, 2018 8:25 pm
1. Condom, as well as a lecture on how bad STDs and unwanted kids are,
I think college might be some years late for that lecture, but better late than never.

I had a request that nothing potentially permanent (e.g., STDs, parenthood, tattoos, etc.) be risked. A tattoo did sneak in there.
by TomatoTomahto
Mon Aug 27, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22396

Re: Did you celebrate when you finally hit $1m?

I guess we are usually not that likely to celebrate birthdays, financial milestones, etc., but this is somewhat in the spirit of the question OP asked. We passed $1M net worth some time ago, and did not celebrate. What we DO celebrate, almost daily, is the incredible house that we recently purchased...
by TomatoTomahto
Sun Aug 26, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Do I have to keep track of contributions?
Replies: 29
Views: 2153

Re: Do I have to keep track of contributions?

retiredjg, This question is somewhat on topic, and since I think you've cleared up the outstanding questions, I'll come in here. Years ago, you helped me understand how to fill out a Form 8606, which I've been diligently doing (or, more accurately, making sure that my accountant did). I thanked you ...
by TomatoTomahto
Thu Aug 23, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 22054

Re: Decent compensation to move to Bay Area CA?

HEDGEFUNDIE did not exaggerate.
by TomatoTomahto
Thu Aug 23, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Varying college costs across kids in the same family
Replies: 92
Views: 5274

Re: Varying college costs across kids in the same family

Our first is on the way and we're not sure whether we will have a second child or not, but we know how we're handling college costs. We will fund the full cost of attendance for an undergraduate degree from an in-state institution, however much that may be at the time. If our child chooses to go to...
by TomatoTomahto
Mon Aug 20, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: Cashing a check
Replies: 28
Views: 2536

Re: Cashing a check

You should suggest to your granddaughter that she write “deposited” on the face of checks after mobile depositing them. That’s what I do to assist my occasionally faulty memory.

PS that won’t solve the bank’s problem.
by TomatoTomahto
Sun Aug 19, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a house. Good idea?
Replies: 12
Views: 1843

Re: Paying cash for a house. Good idea?

We paid cash for our new house. I do not regret it. The mortgage company wanted us to jump through a zillion hoops for a mortgage of 20% of the purchase price. Most importantly, the mortgage company couldn't guarantee that they'd be done with their "process" by our preferred closing date. A "Private...
by TomatoTomahto
Sun Aug 19, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Sell taxable to increase basis?
Replies: 5
Views: 449

Re: Sell taxable to increase basis?

I believe that’s called Tax Gain Harvesting, the other side of the Tax Loss Harvesting coin.
by TomatoTomahto
Sat Aug 18, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate dropping like a rock in U.K. - can the U.S. be far behind?
Replies: 68
Views: 12401

Re: Real estate dropping like a rock in U.K. - can the U.S. be far behind?

The party in the states is ending slowly as rates rise. High end has already slowed a lot. Our house in Northern NJ is considered high end. It just went under contract for approx 20% less than realtors recommended listing it for, and we all considered it fairly priced. NY suburbs are experiencing s...
by TomatoTomahto
Sat Aug 18, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Real estate dropping like a rock in U.K. - can the U.S. be far behind?
Replies: 68
Views: 12401

Re: Real estate dropping like a rock in U.K. - can the U.S. be far behind?

The party in the states is ending slowly as rates rise. High end has already slowed a lot. Our house in Northern NJ is considered high end. It just went under contract for approx 20% less than realtors recommended listing it for, and we all considered it fairly priced. NY suburbs are experiencing s...
by TomatoTomahto
Sat Aug 18, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Good/Cheap Glucose Monitoring System.
Replies: 15
Views: 1300

Re: Good/Cheap Glucose Monitoring System.

The Freestyle Libre system is not as expensive as I thought, and it might be an option if you qualify for Medicare coverage (and your doctor will prescribe). A month in, I’m impressed.
by TomatoTomahto
Fri Aug 17, 2018 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Quant / Financial Technology Job Opportunities / companies in New York City
Replies: 31
Views: 2221

Re: Quant / Financial Technology Job Opportunities / companies in New York City

“LiveSimple” wrote:I know, we bogleheads do not believe in the Quants, but for a career why not, if the money is there
I consider myself a Boglehead, and I do believe in Quants. I just know that being a half-baked Quant without massive supporting infrastructure is foolish. :D
by TomatoTomahto
Thu Aug 16, 2018 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate? [Request for portfolio help]
Replies: 112
Views: 9285

Re: Why the Yale Endowment Hate?

well, then, this post is rather ironic. You gave the poster flak for using "I" after a preposition (cf. "me"), yet proceeded to end a sentence with a preposition and managed to write "is has" ;) I knew I’d probably screw something up in my rush to be snarky; my only defense, lame as it is, is that ...
by TomatoTomahto
Thu Aug 16, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate? [Request for portfolio help]
Replies: 112
Views: 9285

Re: Why the Yale Endowment Hate?

Well, I LOVE Yale and what is has made possible for my son, who recently graduated. But, as CurlyDave rightly points out, I’m not immortal, so my portfolio differs from Yale’s (and would even if I had access to what it has access to). Well, I graduated from MIT, so I can feel superior to both... It ...
by TomatoTomahto
Thu Aug 16, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Quote from Electrician
Replies: 48
Views: 3541

Re: Quote from Electrician

FWIW, I would not be without interconnected smoke detectors any more than I’d drive without a seatbelt.
by TomatoTomahto
Thu Aug 16, 2018 5:07 am
Forum: Investing - Help with Personal Investments
Topic: High tax bracket - Go 100% Roth in tax advantaged?
Replies: 47
Views: 4172

Re: High tax bracket - Go 100% Roth in tax advantaged?

We are in a similar boat, and so is our son (just starting out). Neither of us has access to a mega backdoor Roth. It’s a close call, almost 50/50, but what swings me to the traditional route is the thought that, in 10 or 20 years, the country might have a consumption tax. We and he do a backdoor Ro...
by TomatoTomahto
Wed Aug 15, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: College grant ( not loans ) eligibilty
Replies: 21
Views: 1002

Re: College grant ( not loans ) eligibilty

The answer is: It's complicated. In almost all cases, if you are confident you will not be eligible for need-based grant aid, there is no need to submit the FAFSA. For a small number of schools (3? 12? I'm not sure. not many) you can't even get merit aid if you don't submit FAFSA. It would be an ou...
by TomatoTomahto
Wed Aug 15, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: College grant ( not loans ) eligibilty
Replies: 21
Views: 1002

Re: College grant ( not loans ) eligibilty

The answer is: It's complicated. In almost all cases, if you are confident you will not be eligible for need-based grant aid, there is no need to submit the FAFSA. For a small number of schools (3? 12? I'm not sure. not many) you can't even get merit aid if you don't submit FAFSA. It would be an ou...
by TomatoTomahto
Mon Aug 13, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Should I Do This? [borrow from relative to pay off loan]
Replies: 55
Views: 3166

Re: Should I Do This? [borrow from relative to pay off loan]

I've known people with 350 credit scores with 19% interest paying off 13k loans...that makes no sense. But you think a 560 credit score and a 13% loan make sense? Do what you think is best of course, but know that taking this loan will not fix your problems. It sounds like your mind is made up. I h...
by TomatoTomahto
Mon Aug 13, 2018 12:42 pm
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 67
Views: 10191

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

When Rick Ferri, or William Bernstein, or, heck, even the BH Wiki predict that future returns will be lower than we have been accustomed to, nobody slams them. No, we don't "slam" them, but I do tend to post comments suggesting that they are wasting their time trying to predict the future. I like R...
by TomatoTomahto
Mon Aug 13, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 121
Views: 9842

Re: Can I buy a Tesla?

Just wanted to update here since I got so many useful replies. I bought the fully loaded model 3 :sharebeer Congrats. Where are you charging it? Thanks. My work has charging stations. I live in Southern California so there are charging stations everywhere. My brother-in-law just ordered a Model 3 t...
by TomatoTomahto
Sun Aug 12, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 27
Views: 2244

Re: Tipping lawn service and trash pickup

In our old neighborhood, it was usual to tip mailmen, sanitation workers, home cleaners, newspaper delivery people, water delivery people, but not lawn workers.

I don’t really want to start that again. Maybe the house cleaning woman. I pay top dollar punctually; that should count for something.
by TomatoTomahto
Sun Aug 12, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 67
Views: 10191

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

When Rick Ferri, or William Bernstein, or, heck, even the BH Wiki predict that future returns will be lower than we have been accustomed to, nobody slams them. As for the drag on ER from hiring an extra economist or two, I can’t imagine that it’s more than decimal dust with Vanguard’s size. I think ...
by TomatoTomahto
Sun Aug 12, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Best Counter Depth Side by Side refrigerator
Replies: 24
Views: 2422

Re: Best Counter Depth Side by Side refrigerator

Update: this thread made me get off my butt and order a replacement SubZero. FWIW, you can’t order them without an icemaker, bit you don’t need to get a dispenser (or hook up the maker).
by TomatoTomahto
Sun Aug 12, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: Best Counter Depth Side by Side refrigerator
Replies: 24
Views: 2422

Re: Best Counter Depth Side by Side refrigerator

Our home came with a Subzero/Wolf refrigerator and it has done a great job. The first one lasted almost 25 years and the one we have now has gone 7 years with no issues at all. Very quiet and efficient due to the commercial-style compressors on top of the unit; the energy efficiency rating was lite...
by TomatoTomahto
Sun Aug 12, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Private Banking is a trap. Don't do it!
Replies: 55
Views: 7364

Re: Private Banking is a trap. Don't do it!

I might suggest that you change the Title of this thread to “Private Banking is a trap. Do it, persist in doing it, but gripe about it.”
by TomatoTomahto
Sun Aug 12, 2018 8:08 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Don’t Go “Mad Money”
Replies: 22
Views: 3440

Re: Larry Swedroe:Don’t Go “Mad Money”

Larry Swedroe said: While demand for Cramer’s stock picks increases, short-selling volume (bets that the stock will fall) also increases. In the opening minutes of the day following a recommendation, short sales increase to almost seven times their normal levels, and they remain elevated for three ...
by TomatoTomahto
Sun Aug 12, 2018 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 12890

Re: Joint Ownership of home with second wife

I probably should have said commitment ceremony but those are definitely a thing. I didn't know that was a thing. Do you send out commitment ceremony invitations? I don't mean to be glib, I am genuinely curious. Do you make it clear when you invite people that it is a commitment ceremony and not a ...
by TomatoTomahto
Sun Aug 12, 2018 7:32 am
Forum: Investing - Help with Personal Investments
Topic: RSUs with long term potential
Replies: 9
Views: 878

Re: RSUs with long term potential

Just for the record, the company is not “gifting” you anything; they are paying you for your employment. I think this semantic difference might make it more difficult to clearly consider your options. H We have had many tranches of company stick vest over the years, and continue to receive unvested ...