Search found 7827 matches

by TomatoTomahto
Sun Dec 09, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Attic insulation-R30 to R60 worth it?
Replies: 33
Views: 3252

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: 3252

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: 457

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: 1252

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: 1165

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: 2965

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: 3205

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: 12999

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: 12999

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 ...
by TomatoTomahto
Fri Dec 07, 2018 1:03 pm
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 12999

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

One thing I've noticed a lot on several different investing forums is how many older, retired people who give investing advice online have cushy pensions. 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 i...
by TomatoTomahto
Fri Dec 07, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Roth conversion for backdoor: wait?
Replies: 25
Views: 1473

Re: Roth conversion for backdoor: wait?

Don’t let the Roth tail wag the retirement dog.
by TomatoTomahto
Thu Dec 06, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion for backdoor: wait?
Replies: 25
Views: 1473

Re: Roth conversion for backdoor: wait?

Nothing to add, except that in a similar situation, we’ve been doing C.
by TomatoTomahto
Thu Dec 06, 2018 1:17 pm
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 12999

Re: Who else is getting excited?

No, not excited to lose money. I get excited when I make money. Sometimes I think these type of posts greatly underestimate the potential risk out there. The past down turns and very fast recoveries have spoiled current investors. If you look at what happened in the Great Depression and still get e...
by TomatoTomahto
Thu Dec 06, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10117
Views: 1784830

Re: U.S. stocks in freefall

I’m starting to miss all those “Tesla going to 0” predictions. Never thought that would happen.

Tesla is one of the few stocks up today; made me think of it.
by TomatoTomahto
Thu Dec 06, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 12999

Re: Who else is getting excited?

But if you read any of the Bogleheads literature and understand the math, believe in the economy of the US, and have a plan you are sticking to, then you know that markets are efficient, and most likely will continue to rise in the future.
What do I get for 3 out of 6?
by TomatoTomahto
Thu Dec 06, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 12999

Re: Who else is getting excited?

I can’t help it, but when I read headlines such as “worst market to invest since the 1970s as almost all markets decline” or worst quarter in 7 years etc, I view that as positive news for a long term investor. I’m nowhere near retirement, so a year like this year simply means I can invest at lower ...
by TomatoTomahto
Thu Dec 06, 2018 6:15 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 12999

Re: Who else is getting excited?

It’s exciting for my kids. For me, not as much. But, life goes on.
by TomatoTomahto
Wed Dec 05, 2018 1:46 pm
Forum: Investing - Theory, News & General
Topic: Why buying homes with mortgages is good but buying stocks on margin is bad
Replies: 36
Views: 2979

Re: Why buying homes with mortgages is good but buying stocks on margin is bad

Can someone explain to me why the advise is NEVER buy stocks on margin; however, everyone who has a mortgage and still buying stocks is basically doing the same thing? Can't seem to wrap my head around this one. Thanks! Kudos to you for asking this question after the recent market turmoil. Usually ...
by TomatoTomahto
Tue Dec 04, 2018 6:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10117
Views: 1784830

Re: U.S. stocks in freefall

Pushed all my dry powder in today on Fidelity Total Stock Market Hope it goes up before I retire in 20 years. Or you can put that money into something that produces income now, tomorrow, and in 20 years. sorry, I must be missing the joke here. @Hiwatter, WanderingDoc thinks highly of rental propert...
by TomatoTomahto
Tue Dec 04, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10117
Views: 1784830

Re: U.S. stocks in freefall

H-Town wrote:
Tue Dec 04, 2018 3:51 pm
Sweet! It looks like I can go out and buy a car now according to livesoft's rule on RBD.
Today, I'm moving from Teslas to Bentleys. :D
by TomatoTomahto
Tue Dec 04, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Yamaha Stereo + 2 x Elac B6.2 Speakers: What Next?
Replies: 11
Views: 843

Re: Yamaha Stereo + 2 x Elac B6.2 Speakers: What Next?

I don't know your listening room, but I want to put in a plug for acoustic treatments. YPAO (Yamaha Parametric Acoustic Optimizer) can only do so much.

I added a sub to my music system, which already goes down pretty far, and I am pleased with the resulting improvement.
by TomatoTomahto
Tue Dec 04, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: What to negotiate in offers
Replies: 45
Views: 3281

Re: What to negotiate in offers

HardHitter, Congrats on the job offer and I trust they know little about how their total comp compares to your current comp. I've hired hundreds of people and been hired 7-8 times myself and have always enjoyed a bit of good natured negotiation. Usually, there is at least some room to improve an of...
by TomatoTomahto
Tue Dec 04, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Older Dads - how do you plan for your own retirement while still raising kids?
Replies: 38
Views: 5191

Re: Older Dads - how do you plan for your own retirement while still raising kids?

dm200 wrote:
Tue Dec 04, 2018 9:01 am
Many "older dads" I have known had an additional financial challenge - children from the previous marriage.
Busted! :D
by TomatoTomahto
Tue Dec 04, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: What to negotiate in offers
Replies: 45
Views: 3281

Re: What to negotiate in offers

My wife (mostly) and I have hired hundreds of people. We both feel that usually, people are on their best behavior during the hiring process; it’s as good as they get. If someone, after a 55% increase (!), came to me with penny ante nonsense, I’d retract any offer before it was too late, and conside...
by TomatoTomahto
Mon Dec 03, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move to a more conservative AA? 80/20 to 60/40?
Replies: 67
Views: 4603

Re: Should I move to a more conservative AA? 80/20 to 60/40?

I keep scratching my head over why 80/20 does not produce much better returns than 60/40, and the only explanation I can come up with is that when you are plowing large sums of money in regularly, the impact of the new contributions outweigh the growth compounding on the existing money (also 10 yea...
by TomatoTomahto
Mon Dec 03, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5300

Re: Do you get a year end bonus?

Safe to say its mostly who you know, most luck, some skill. If you can’t break into a new company, try to be a rockstar at your current company. A few promotions on your resume will definitely catch the eye of a recruiter, even without connections. Further to what HEDGEFUNDIE said, it’s mostly WHO ...
by TomatoTomahto
Mon Dec 03, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: Big endowments don't beat simple 60/40 over 10 yrs.
Replies: 25
Views: 3256

Re: Big endowments don't beat simple 60/40 over 10 yrs.

Indeed. In 2009, Harvard had to cut out hot breakfasts in the dining halls in the student houses and almost a decade later students still don´t have hot breakfasts available. (Yes, admittedly only 30% of students actually made it to breakfast, but those that do include quite a lot of national and i...
by TomatoTomahto
Mon Dec 03, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: Older Dads - how do you plan for your own retirement while still raising kids?
Replies: 38
Views: 5191

Re: Older Dads - how do you plan for your own retirement while still raising kids?

Friends of ours adopted three children (internationally) in their late 50's. Because the children are all under 18, the parents get Social security payments for each of the children until the child turns 18. If the kids are unmarried and full time students in high school, the benefits last until th...
by TomatoTomahto
Mon Dec 03, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Big endowments don't beat simple 60/40 over 10 yrs.
Replies: 25
Views: 3256

Re: Big endowments don't beat simple 60/40 over 10 yrs.

They have different goals than individual investors (ie, their horizon is perpetuity rather than double digit years). And thus, as surely as night follows day, their investments differ from individual investors.
by TomatoTomahto
Mon Dec 03, 2018 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5300

Re: Do you get a year end bonus?

In Financial Services at the senior level, annual compensation is roughly 1/3 salary, 1/3 cash bonus that is paid out early in the year, 1/3 RSUs that vest annually, over 3 or 4 years.

At lower levels in Financial Services, the proportion shifts to salary.
by TomatoTomahto
Mon Dec 03, 2018 7:14 am
Forum: Investing - Theory, News & General
Topic: Older Dads - how do you plan for your own retirement while still raising kids?
Replies: 38
Views: 5191

Re: Older Dads - how do you plan for your own retirement while still raising kids?

Well, I'm an older Dad, but the genders are reversed from your question (ie, the female is the one who brings in the paycheck from outside, the male is the one who stayed at home to manage the family). This is a topic for another day, but you really should be less boxed in on gender. I had my last c...
by TomatoTomahto
Sun Dec 02, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Transfer iphone photos to Windows 10 PC
Replies: 12
Views: 791

Re: Transfer iphone photos to Windows 10 PC

Kenkat wrote:
Sun Dec 02, 2018 2:26 pm
TomatoTomahto wrote:
Sun Dec 02, 2018 1:30 pm
^ or install iCloud on your PC.
^ this is a pretty easy way to do it - you could also install Google Photos on the iPhone depending on who’s ecosystem you want to live in.
OP has iphones, so I assumed, perhaps wrongly.
by TomatoTomahto
Sun Dec 02, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: My kid's retirement
Replies: 49
Views: 3492

Re: My kid's retirement

If my parents had given me a complete full ride on education I would never have gone through the pain of learning about debt, budgeting, long term planning, etc. Perhaps not the pain of learning, but I think you could have learned about debt, budgeting, and long term planning regardless. Not everyo...
by TomatoTomahto
Sun Dec 02, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Transfer iphone photos to Windows 10 PC
Replies: 12
Views: 791

Re: Transfer iphone photos to Windows 10 PC

^ or install iCloud on your PC.
by TomatoTomahto
Sun Dec 02, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: My kid's retirement
Replies: 49
Views: 3492

Re: My kid's retirement

I have no intention of providing retirement savings for my kids. It is part of their independence and learning to work and save. If the parents provide a lot of the initial retirement boost, how does this motivate a young adult to make sacrifices and save. I think doing otherwise leads to them star...
by TomatoTomahto
Sun Dec 02, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: My kid's retirement
Replies: 49
Views: 3492

Re: My kid's retirement

If I were to do this, I wouldn't claim fake income from modeling. I'd probably file a schedule C for my children and call their allowance self-employment income. As I understand, Social Security taxes (both employer and employee) would need to be paid on the income, along with income taxes at the p...
by TomatoTomahto
Sun Dec 02, 2018 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Where to put "left over" money
Replies: 18
Views: 1872

Re: Where to put "left over" money

I'm glad that you put quotes around "left over" money, because otherwise I'm not sure that I would understand the concept :D Our "left over" money is what goes into our taxable account at Vanguard. We also buy the limit of I-bonds that we're allowed to ($10k/person) with left over money. It's amazin...
by TomatoTomahto
Sun Dec 02, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Has anyone on this board painted over wallpaper?
Replies: 46
Views: 3122

Re: Has anyone on this board painted over wallpaper?

You know the right thing to do. Don’t paint over wallpaper if you at all care about a nice finished product Something I learned in software development is that a kludge, reasonable at the time, has after effects that get worse over time. You need another kludge to circumvent the ill effects of the ...
by TomatoTomahto
Sun Dec 02, 2018 7:25 am
Forum: Investing - Help with Personal Investments
Topic: My kid's retirement
Replies: 49
Views: 3492

Re: My kid's retirement

Instead of complex and dubious schemes to cheat the government out of a few thousand a year... How about just paying what you owe? Anyway, I think $14,000 a year is tax exempt as a gift from each parent. In total, you get 11 million to leave to kids without paying taxes. That feels sufficient. +1 A...
by TomatoTomahto
Thu Nov 29, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 109
Views: 14428

Re: Divorce [financial implications]

I have never been married - by design. I am willing and ready to change once I hear of a single benefit that that gender cannot get while not married. Please do tell - I am ready. You will probably live a longer life per a separate quoted article I just shared on this topic, from a Harvard health s...
by TomatoTomahto
Thu Nov 29, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Remodeling - tipping?
Replies: 56
Views: 2876

Re: Remodeling - tipping?

I think tipping would be inappropriate. What would be appreciated if is you offer to be a reference for them and ask for some of their business cards to give to people ask about your remodel. You may also want to write them a reference letter. As another post said giving alcohol is not a good idea ...
by TomatoTomahto
Thu Nov 29, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 55
Views: 3452

Re: Quicken 2019 and forward

I guess I’m not as frugal as y’all, but honestly, Quicken is worth a few hundred dollars a year to me. I’ve developed and maintained software; it’s a royal PITA. I was once a good Excel/VBA developer, but I wouldn’t consider writing my own code to maintain my tax lots. For double digit per year cost...
by TomatoTomahto
Thu Nov 29, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 109
Views: 14428

Re: Divorce [financial implications]

[snip...] Hopefully you learned your lesson. Marriage has no benefit to one of the genders. To this day, I have not been told one. I'm sorry it didn't work out for you, but this forum is full of people whose lives have been made more productive and happy through good (lucky?) choices of spouse. In ...
by TomatoTomahto
Wed Nov 28, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 55
Views: 3452

Re: Quicken 2019 and forward

I was very resistant to the subscription model at first, but now I actually like it. The old system was very buggy on my machine. Updates would sometimes disable functions for weeks or longer. I have had no such problems since the switch to the subscription model. Now the program is updated more fr...
by TomatoTomahto
Wed Nov 28, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 109
Views: 14428

Re: Divorce [financial implications]

I never been divorced but seen my nephew went through. When spouse is a homemaker, obviously other person will be earning on all these years. During divorce, why are you pointing he/ she was not working on all these years ? Your spouse might be taking care of home and/or kids...might be left job to...
by TomatoTomahto
Wed Nov 28, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5560

Re: New TV Recommendations Please?

What do you need the cursor for? ETA: i guess if you use multiple inputs you might need it, but on the TV with multiple inputs I use a Harmony remote. I wish I didn't need a cursor, but it's popping up non-stop. I think, perhaps, I have not mastered this TV yet. But, I wish I didn't have to. The re...
by TomatoTomahto
Wed Nov 28, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 55
Views: 3452

Re: Quicken 2019 and forward

GuyInFL wrote:
Wed Nov 28, 2018 8:44 am
TomatoTomahto sez
Of our many credit cards, all download to Quicken (PenFed does require an export/import).
I download from Penfed fine.
I will refresh my PenFed download. I only use it a few times a month, so hadn’t bothered with it for a few years. Thanks.
by TomatoTomahto
Tue Nov 27, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 55
Views: 3452

Re: Quicken 2019 and forward

J G Bankerton wrote: Most banks won't download to Quicken now.
I don’t know, but of our 4 banks, 4 download to Quicken.

Of our 2 401k providers, 2 download to Quicken.

Of our many credit cards, all download to Quicken (PenFed does require an export/import).
by TomatoTomahto
Tue Nov 27, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5560

Re: New TV Recommendations Please?

What do you need the cursor for?

ETA: i guess if you use multiple inputs you might need it, but on the TV with multiple inputs I use a Harmony remote.
by TomatoTomahto
Tue Nov 27, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5560

Re: New TV Recommendations Please?

Second, as hard as I try (and search for guidance online), I can't get the LG "Magic Remote" (oh, please ...) to pair with the Verizon FIOS set top box (made by Motorola). So, at this point we're still using two remotes. I made my FIOS remote the master remote; put the LG remote in a drawer. It's e...