Search found 2672 matches

Return to advanced search

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: 65
Views: 4493

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: 24
Views: 1537

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: 24
Views: 1537

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: 57
Views: 7730

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: 65
Views: 4493

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: 5821

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: 5821

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: 5821

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: 213
Views: 14527

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: 213
Views: 14527

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: 79
Views: 4787

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: 850

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: 850

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: 850

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: 7291

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: 1937

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: 1937

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: 1937

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: 1937

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: 1937

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: 1937

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: 1937

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: 1937

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: 1937

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: 1937

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: 1937

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: 1937

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: 1937

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: 6218

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: 2639

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: 1894

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: 1022

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: 1397

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: 1917

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: 3159

Re: Any Opinions on Mirrorless Cameras?

cons are the proprietary RAW format (have to use the crappy nikon software to convert), and if i know i'll be shooting indoors i'll take my wife's little point/shoot instead of the j2. also, if you like an eyepiece, you're out of luck with this camera. You generally don't have to use the Nikon soft...
by TomatoTomahto
Wed Aug 13, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2040

Re: How much should a New Jersey home inspection cost?

+1 for lawman. I've bought 2 homes that were built in the 20s. The first one had a thorough and detailed inspection, which uncovered some issues but no deal breakers. I learned a lot about the house in the process. That inspector unfortunately retired before I bought the next house, and the second i...
by TomatoTomahto
Tue Aug 12, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: How much should a New Jersey home inspection cost?
Replies: 7
Views: 580

Re: Would you tip this tour guide?

I had one of those minivans. It cannot comfortably hold 3 in the back row for a long duration, much less with extra-size passengers. I would not tip at all. It might not be the tour guide's fault, but the tip is intended to be in appreciation of his work and your enjoyment.
by TomatoTomahto
Tue Aug 12, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Would you tip this tour guide?
Replies: 22
Views: 2185

Re: Dealership wants to buyback my car

Has anyone ever got these letters from real estate agents? We've gotten a few along the lines of "People have expressed interest in your home (or a home in your neighborhood) and are willing to pay XXX,XXX , etc. I know it's garbage, but it's still amusing, and I wonder what the yield rate is,...
by TomatoTomahto
Mon Aug 11, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Dealership wants to buyback my car
Replies: 32
Views: 3415

Re: Dealership wants to buyback my car

I routinely get letters saying that they want to buy back two cars that I got rid of 3 years and 5 years ago. I once answered a realtor's letter which said that they had a buyer for my house; same story, different object. They said they had no specific buyer for my house, but that it was a type whic...
by TomatoTomahto
Mon Aug 11, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Dealership wants to buyback my car
Replies: 32
Views: 3415

Re: What are you doing re charitable giving (money, not time

My wife's employer matches the first $5k of charitable donations, a benefit I guess we are now leaving on the table. Maybe we should donate the $5k/year to the B & M Gates Foundation for the match. Check the policy to make sure you can do this. My employer matched but only actual charities, not...
by TomatoTomahto
Sat Aug 09, 2014 6:00 pm
 
Forum: Personal Consumer Issues
Topic: What are you doing re charitable giving (money, not time)
Replies: 26
Views: 1524

Re: What are you doing re charitable giving (money, not time

@island, I had a previous employer who also pushed United Way hard, and I felt as you do. I assume that they've recovered from the scandals of a few decades ago. My wife's employer matches the first $5k of charitable donations, a benefit I guess we are now leaving on the table. Maybe we should donat...
by TomatoTomahto
Sat Aug 09, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: What are you doing re charitable giving (money, not time)
Replies: 26
Views: 1524

Re: What are you doing re charitable giving (money, not time

I am interpreting nationally as including local organizations outside your local area. I give to a university far from my home, but they are far from being a national organization. Polls are hard to write; or is it definitions that are hard? That's an omission I should have thought of. I think writ...
by TomatoTomahto
Sat Aug 09, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: What are you doing re charitable giving (money, not time)
Replies: 26
Views: 1524

What are you doing re charitable giving (money, not time)

There is an ongoing thread about charitable giving on the forum. It made me think about it, as I'm currently on a charitable giving moratorium. We recently discovered that two local organizations, to whom we've made significant (for us) contributions, have in our opinion made some unwise choices in ...
by TomatoTomahto
Sat Aug 09, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: What are you doing re charitable giving (money, not time)
Replies: 26
Views: 1524

Re: It won't matter if your password gets stolen

I hope this doesn't count as a thread hijack. How will 2 factor authentication work with something like Quicken's update function? Currently, I hit one button for the update, it asks me for the "Password Vault" password, and it's off to the races. I hope in the future my phone won't explod...
by TomatoTomahto
Sat Aug 09, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: It won't matter if your password gets stolen
Replies: 20
Views: 2378

Re: Poll - Do you use Quicken?

Over time, I've added more accounts and have more transactions, so my daily update takes longer. It might even take a whole minute now, but it runs perfectly fine in the background while I browse the web.
by TomatoTomahto
Sat Aug 09, 2014 8:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5079

Re: Your Favorite charity organization...? please

I have recently been looking into this question, as I've slowed/stopped charitable contributions now but want to add to my will. The Gates Foundation will accept unsolicited donations that follow strict guidelines. The foundation is a much wiser and more thorough donor than I could be, so I'm thinki...
by TomatoTomahto
Fri Aug 08, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4153

Re: Telephone Calls! Help!

Rob5TCP wrote:I was getting 6-10 a day. I joined nomorobo.com
It took some time, but now I am down to 2-3 a day.
Not perfect.

It might not be perfect, but it's the best performing free product I can recall. Unfortunately, not all land lines can benefit from it.
by TomatoTomahto
Thu Aug 07, 2014 10:59 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 100
Views: 6218

Re: How many Accounts do you log into and how do you manage?

I like Roboform and have heard good things about Keepass and some of the other managers. I don't think it matters which one you use but any of them are so much better than not using one that I can't imagine trying to do without. A password manager is one of my essential programs. A couple of additi...
by TomatoTomahto
Thu Aug 07, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: How many Accounts do you log into and how do you manage?
Replies: 52
Views: 2531

Re: XC90 [Volvo XC90 SUV]

The only place I see Volvos is around university towns. Do you happen to live in that kind of area? No, not even close. I live in an affluent suburb of NYC. Most of the folks around here are Wall Street types of one flavor or another, senior law partners, the occasional sports figure, people who so...
by TomatoTomahto
Thu Aug 07, 2014 10:11 pm
 
Forum: Personal Consumer Issues
Topic: XC90 [Volvo XC90 SUV]
Replies: 40
Views: 2794
Next

Return to advanced search