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Re: 100% Stock Thread Collection

... So your money can outlive you. For your children, and their children... I am 63 yo to your 36, so we have somewhat different perspectives. I think that my children will probably inherit a decent amount, but I am more interested in telling my children that it would be almost unimaginable that we...
by TomatoTomahto
Mon Sep 01, 2014 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 28
Views: 1679

Re: 100% Stock Thread Collection

Thank you abyan, for a thoughtful post and for pointing out the less-often mentioned regret about not being all-in equities when 30+% returns are bragged about by the neighbors. In those cases, and I apologize for a sports metaphor, but I remind myself that I'm the coach in the waning moments of a h...
by TomatoTomahto
Mon Sep 01, 2014 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 28
Views: 1679

Re: Help me evaluate a standby generator quote

Does a generator add to the price of a home, or add selling points to the next buyer? On our cul de sac of homes, 6 of the 8 have installed generators. My neighbor, who is selling his house, says that the realtor told him that in our town, which loses utility power often, there is either a generato...
by TomatoTomahto
Sun Aug 31, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 28
Views: 1564

Re: Why invest in bonds?

I am having a similar discussion with an acquaintance. I do not know how to draw a graph going back, say, 10 years showing the value of $10k in Total Stock vs $10k in Total Bond vs a 75/25 allocation of $10k. I'd like to include rebalancing every year or quarter or whatever. And, of course, dividend...
by TomatoTomahto
Sun Aug 31, 2014 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 78
Views: 3809

Re: Move for nicer home in better school district?

OP, a few thoughts: 1. You say that the public school tuition won't rise. Well, directly they won't, but we've seen property taxes rise largely as a result of school costs. 2. We moved to our town for two reasons: public transportation into NYC and the public school system. There came a point when i...
by TomatoTomahto
Sun Aug 31, 2014 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Move for nicer home in better school district?
Replies: 14
Views: 949

Re: Which generator do you have?

Its worth noting in this thread that it is always illegal to connect a generator to your house without first disconnecting the house from the street power. Local code also required us to put up a sign near the electric meter/shutoff advising that the house has a second source of power (I was told f...
by TomatoTomahto
Sun Aug 31, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 31
Views: 1480

Re: Which generator do you have?

Also Kohler 20kw natural gas.

Our installation was such a one-off (upgrade to service, meter, change in service location, landscaping, etc.) that it should not be considered as representative, and I stopped adding it up after a while. Fwiw, I think it was $20k by the time we were done.
by TomatoTomahto
Sun Aug 31, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 31
Views: 1480

Re: Anyone used Vanguard Flagship Services With Portfolio $1

Now that might be worth something: If Vanguard could recommend experts, preferable local to the client, that would provide the financial planning services that Vanguard does not. They would have to be vetted and approved for flagship clients by Vanguard. What do you think? I think that I don't want...
by TomatoTomahto
Sat Aug 30, 2014 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone used Vanguard Flagship Services With Portfolio $1M+
Replies: 41
Views: 4206

Re: Help me evaluate a standby generator quote

I like my Kohler. It is quieter than most, and when running, it's just a hum inside the house. We have 20kw also, which is enough to run the majority of our house. We have a manual switch which determines which AC to run; in retrospect we could probably have lived without this and just cooled the be...
by TomatoTomahto
Sat Aug 30, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 28
Views: 1564

Re: Donald Trump - The Apprentice

I worked at a bank that in the same year extended loans to Pan Am and Trump. I asked at the time why we wanted to throw money down the toilet, but I was in software development and nobody listened to me. I'm pretty sure that Trump has never paid back 100 cents on the dollar. Wow! You worked for the...
by TomatoTomahto
Fri Aug 29, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 27
Views: 1612

Re: Donald Trump - The Apprentice

I mean, Trump built a business empire; he can't be as lousy a boss as he plays on TV, right? I've heard different numbers on the amount of money Trump started with, ranging from $80Million to $300Million. He is far from a self-made man, as I'm pretty sure that the 301st million must be easier to ma...
by TomatoTomahto
Fri Aug 29, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 27
Views: 1612

Re: Poll: How many own zero/few stocks?

We own some legacy BRK which I don't want to sell right now because they are in a taxable account and have done well. Involuntarily, we own shares in the stock of my wife's employer, 1/3 of which vest every year and which are replenished (usually a bit more than replenished) by that year's deferred ...
by TomatoTomahto
Fri Aug 29, 2014 12:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2666

Re: Donald Trump - The Apprentice

If they brought back Richard Branson's version (Rebel Billionaire), I'd watch that.
by TomatoTomahto
Thu Aug 28, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 27
Views: 1612

Re: GPS: Garmin 2558 vs. Tom Tom Go600

I have a TomTom 500 and its traffic awareness is good. I'm not such a fan of the GUI "improvements" over the much better but discontinued 2535. I don't know if the 500 and 600 have the same traffic processing, but the 500 gets quick and apparently accurate updates through your cellphone'-p...
by TomatoTomahto
Wed Aug 27, 2014 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: GPS: Garmin 2558 vs. Tom Tom Go600
Replies: 4
Views: 318

Re: What to consider while purchasing an existing business?

It is difficult to restate this in a family-friendly way, but teenagers have a phrase that should cover this (and restate using your imagination): "don't put your hopes in crazy."

Don't be dumber than a teenager.
by TomatoTomahto
Wed Aug 27, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 48
Views: 3548

Re: S&P500 over 2000

If the S&P drops 10% now, it will be a much bigger drop that if it had happened in 2009! On the other hand, S&P2K is a better problem to have than Y2K. Cheers, Victoria I know some marginally capable programmers who made more money "remediating" for Y2K than you can imagine. Exten...
by TomatoTomahto
Tue Aug 26, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5327

Re: What about non-U.S. colleges?

A college degree is mainly used to impress future employers. What do you think most hiring managers will do when they receive a resume that includes a degree from a foreign institution that they have no knowledge of? Not to be snarky, but if the hiring manager hasn't heard of the schools mentioned ...
by TomatoTomahto
Tue Aug 26, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: What about non-U.S. colleges?
Replies: 28
Views: 2001

Re: What about non-U.S. colleges?

If it's available to your kids, have them get an IB diploma. The International Baccalaureate Diploma Programme (IBDP) is a two-year educational programme primarily aimed at students aged 16–19. The program is one that provides an internationally accepted qualification for entry into higher education...
by TomatoTomahto
Mon Aug 25, 2014 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: What about non-U.S. colleges?
Replies: 28
Views: 2001

Re: Telling my friends I paid off my houses was a mistake.

When people find out that my son is heading off to college, they make some comment about having to write big checks. It seems to be part of the parental script about college. I don't mention that I have savings to cover the tuition, I just make some joke about how the kid is the school's problem now...
by TomatoTomahto
Mon Aug 25, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 10142

Re: S&P500 over 2000

dickenjb wrote:Woohoo. A far cry from those dark days back in March 2009 when it was in the 600's.


As someone who is still accumulating, I wish that it were still in the 600s. And, if I might add another wish, could it go above 2000 in another 5 years or so?
by TomatoTomahto
Mon Aug 25, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5327

Re: Is it me, or are "collectibles" worthless in 2014?

"Worst story I've heard was the guy who spent over 100k on Beanie babies thinking they would keep going up in value...." Ah, Beanie Babies! I have a dear friend. Smart guy, his wife is an attny. Some years ago I'm at their home and see their "collection" of Beanie Babies. I ques...
by TomatoTomahto
Sun Aug 24, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6011

Re: Is it me, or are "collectibles" worthless in 2014?

Baseball cards have really taken a nose dive over the past decade. Many people have thousands of cards from the 1980s and 1990s that are literally worthless. One of my saddest memories of consignment selling is of having to explain to a mother who had been sold "collectible" baseball card...
by TomatoTomahto
Sat Aug 23, 2014 10:51 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6011

Re: Is it me, or are "collectibles" worthless in 2014?

Someone much smarter than I am can probably explain why it's the case, but I think that you're right. More than a decade ago, I sold some Pan Am memorabilia on consignment on eBay and got decent money for them. I'm no longer in that business, but if I were, I would not take on those items today. If ...
by TomatoTomahto
Sat Aug 23, 2014 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6011

Re: I need "Ultra High Net Worth" investing advice please

I can't see any reason to pay anyone based on AUM. Rent a good tax attorney for some number of hours/days; I'm sure that you can do so for less than the $250k (on top of the table, who knows how much under the table) they'd be getting for their 0.5% fee year after year. If it makes you feel better, ...
by TomatoTomahto
Sat Aug 23, 2014 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15327

Re: I need "Ultra High Net Worth" investing advice please

Yesterday I was cut off by someone in a Maserati. I said bad words about him :D ETA: Oh, that's right, forgot the issue. If it were me, I would take the money, allocate it 50/50 Bonds/Stocks at Vanguard and look for something productive to do. Every now and then, like maybe every other year, rebalan...
by TomatoTomahto
Sat Aug 23, 2014 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15327

Re: Do you take all of your allowed paid vacation time?

The auditor said that one of the things he does now when he goes into an audit where this might be an problem is to ask for vacation records to identify people that don’t take all their vacation time so that he can pay particular attention to their work. The banks that my wife and I (did) work at h...
by TomatoTomahto
Sat Aug 23, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5626

Re: 2015 Volvo XC-60 vs. Acura RDX

I have built-in GPS on 3/4 of our cars (not by choice, standard equipment) and I have TomTom standalone units in them. I will wait a while and see if the new Volvo unit (which is advertised as aware of traffic) is workable. The car will probably be used 90% in known locales, so maybe it's fine. My R...
by TomatoTomahto
Thu Aug 21, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: 2015 Volvo XC-60 vs. Acura RDX
Replies: 14
Views: 855

Re: 2015 Volvo XC-60 vs. Acura RDX

Jdb, I see we agree on two car brands: Tesla and Volvo. :D
by TomatoTomahto
Thu Aug 21, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: 2015 Volvo XC-60 vs. Acura RDX
Replies: 14
Views: 855

Re: 2015 Volvo XC-60 vs. Acura RDX

Picked up a 2105.5 XC60 T6 AWD to join our 2013 XC60 3 days ago. We've only had it a few days, so there is much that I can't comment on, but the ride is quiet and smooth, engine (the older large one; new small ones not yet available for AWD) is responsive, and the safety features are slightly improv...
by TomatoTomahto
Thu Aug 21, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: 2015 Volvo XC-60 vs. Acura RDX
Replies: 14
Views: 855

Re: POLL: Age for Collecting Social Security Benefits

john94549 wrote:There's no option for married couples doing 62 => spousal at FRA => defer to 70.

Yes, and also because I got 44 benefit-months for my children by filing at 62.
by TomatoTomahto
Tue Aug 19, 2014 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7365

Re: College Counselors

Additionally,
http://talk.collegeconfidential.com/ath ... ce-p1.html

Even though you said your son wasn't being recruited by Ivy and I don't know if football is the sport, it might be informative
by TomatoTomahto
Sun Aug 17, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 39
Views: 1956

Re: College Counselors

Today you'd have to apply to one of the concurrent college/high school classes program, but you'd still be allowed to attend at least one college course your senior high school year (assuming you were accepted to the program). Not all universities/colleges support such concurrent programs however. ...
by TomatoTomahto
Sun Aug 17, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 39
Views: 1956

Re: College Counselors

This is kind of unusual for me. When I was in high school and looking to apply for college, I did all of the grunt work and research myself. [snip...] After my junior year of high school, I took Physics and Calculus at a university in the summer. I liked it there, and when the summer was drawing to...
by TomatoTomahto
Sun Aug 17, 2014 3:48 pm
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 39
Views: 1956

Re: College Counselors

For what it is worth, I knew and worked with Michelle Hernandez back when she was an assistant admissions director. I did volunteer recruiting for the college. She was very competent and was very interested in doing her best to evaluate every student as an individual worthy of consideration. I don'...
by TomatoTomahto
Sun Aug 17, 2014 3:41 pm
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 39
Views: 1956

Re: College Counselors

In any case, neither parent nor counselor should be writing essays or selecting schools for the kid. I didn't "select" the school(s) my son applied to, but I was with him most of the steps on the way to making choices. My son, for example, had been strongly on an MIT/CalTech/CMU direction...
by TomatoTomahto
Sun Aug 17, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 39
Views: 1956

Re: College Counselors

The above is a round about way of writing, "Why bother to help your son with college apps at all? He will do just fine." I think my son appreciated having an adult to discuss colleges, possible careers, etc. with. The actual application, as such, was his to do. You can get a consultant to...
by TomatoTomahto
Sun Aug 17, 2014 8:49 am
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 39
Views: 1956

Re: College Counselors

Livesoft's suggestion of collegeconfidential.com is a good one. Spend some time there, and get a few of the college books (Insider's Guide to Colleges and the like). Some of my favorite schools are part of NESCAC, but the transportation issues should not be ignored if you live in CA. I dropped my so...
by TomatoTomahto
Sat Aug 16, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 39
Views: 1956

Re: College Counselors

This is where money comes into play; if you have it, you can hire a professional college counselor/advisor and have a greater chance of getting into a better school. Kind of unfair I say. It will not necessarily improve your chances. We have the money, but decided that we did not want to run the ri...
by TomatoTomahto
Sat Aug 16, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 39
Views: 1956

Re: College Counselors

Jack FFR1846 wrote:If you're doing this for the first time, it looks more complicated than it really is.

If the target is "the Ivies, NESCACs and UCs," it can be pretty complicated, especially finding additional schools as matches and safeties.
by TomatoTomahto
Sat Aug 16, 2014 9:39 pm
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 39
Views: 1956

Re: College Counselors

Two teachers at the HS where I teach had been doing that sort of thing on the side and finally this year they both quit teaching to take on private college counseling full time. I'm guessing it is the same in most relatively affluent communities around the country. My son's GC left to start a priva...
by TomatoTomahto
Sat Aug 16, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 39
Views: 1956

Re: College Counselors

livesoft wrote:Would a place like collegeconfidential generate more counselor leads?

Yes probably. They might or might not be more useful.
by TomatoTomahto
Sat Aug 16, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 39
Views: 1956

Re: College Counselors

PS. Using Hernandez College Consulting can cost you $42,000. There are more reasonable alternatives, including doing research yourself and him facing the realities of college admissions. My son is a procrastinator, but managed to get 2 applications in on time for Early Action, was pleasantly surpris...
by TomatoTomahto
Sat Aug 16, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 39
Views: 1956

Re: College Counselors

It might be helpful if you told us a bit about him, both in terms of stats and "what he's like." You say he's interested in schools belonging to two East Coast athletic conferences and also UC. That's an odd grouping; what's the common thread? Is he likely to be a recruited athlete? Do you...
by TomatoTomahto
Sat Aug 16, 2014 9:14 pm
 
Forum: Personal Consumer Issues
Topic: College Counselors
Replies: 39
Views: 1956

Re: Telephone Calls! Help! [Telemarketing phone calls]

I set up Nomorobo five days ago, and I'm very pleased with the results. I estimate my "junk" calls are down about 70%. I still receive calls listed from "cell phone" and from spoofed local numbers, but the one-ring calls being short-circuited by Nomorobo are music to my ears. I'...
by TomatoTomahto
Fri Aug 15, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 100
Views: 6276

Re: Lifestyle Creep

My wife's income went up dramatically in the past decade or so, more than making up for my lack of income. We had resolved to live as we had and bank the difference, but between the increased income and the value of our portfolio, it is easy to decide that some choices are not worth worrying about. ...
by TomatoTomahto
Fri Aug 15, 2014 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 22
Views: 2646

Re: Interesting BRK tidbit

I kind of want to jump on the BRK bandwagon and replace all my VTI shares with BRK.B instead. :) just kidding I'm taking Buffett's own advice and jumping off the BRK bandwagon, replacing all my BRK.B shares (and all other single stocks I currently own) with VTI and VXUS within the next year. no kid...
by TomatoTomahto
Fri Aug 15, 2014 2:37 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting BRK tidbit
Replies: 16
Views: 1937

Re: Best Short Joke

What do you call a boomerang that doesn't come back when you throw it?




Stupid stick.
by TomatoTomahto
Fri Aug 15, 2014 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Best Short Joke
Replies: 12
Views: 1027

Re: Teaching teen to drive

In NJ, 6 hours in a professional school is mandatory before they can learn with parents. I took every opportunity, even before the lessons began, of "driving out loud." For example, I'd tell the passenger (in this case, my son) to notice how the car in front of us, without a turn signal, l...
by TomatoTomahto
Fri Aug 15, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Teaching teen to drive
Replies: 31
Views: 1413

Re: “The more I learn, the more I realize how much I don't k

I see no reason to increase equity now. I would hold at 60-70% equity until settled into retirement. “The more I learn, the more I realize how much I don't know" Keep at it and maybe at some point you will say "the more I learn, the more I realize the less I need to know." :happy Som...
by TomatoTomahto
Fri Aug 15, 2014 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: “The more I learn, the more I realize how much I don't know"
Replies: 18
Views: 1922

Re: Mac Airbook

I'm not a fan of laptops personally (among other things, i need an ergonomic keyboard), but my daughter used a MacBook Air for some time and liked it a lot.
by TomatoTomahto
Wed Aug 13, 2014 10:25 pm
 
Forum: Personal Consumer Issues
Topic: Mac Airbook
Replies: 38
Views: 3172
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