Search found 4978 matches

by TomatoTomahto
Wed Aug 31, 2016 8:50 am
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 134
Views: 11454

Re: Best Crossover SUV to purchase

sunny_socal wrote:[snip...] the gas mileage is a non-issue if you're buying a 50k car.

I know I'm like a reformed smoker, but there are externalities where the gas mileage is an issue.
by TomatoTomahto
Wed Aug 31, 2016 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Good School District or Private School?
Replies: 65
Views: 3049

Re: Good School District or Private School?

I'm in NJ and don't know much about TX. We decided to live in a town with a highly rated school system (Short Hills, NJ). For this we pay $40k in property tax. The kids had a (mostly) excellent experience in elementary school. Youngest asked to attend a local selective (20%) private for Middle Schoo...
by TomatoTomahto
Tue Aug 30, 2016 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 87
Views: 12994

Re: Are Bogleheads Buying I-Bonds 2016?

IIRC, I wasn't sure at the time, but I went ahead and bought the limit for myself and my wife. None for the kids. Bad Father!
by TomatoTomahto
Mon Aug 29, 2016 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: best software for financial planning
Replies: 34
Views: 4101

Re: best software for financial planning

TimeRunner wrote:for every person holding my opinion, there's probably someone else who raves about it

I guess that would be me. I find it interesting, and worth paying the annual fee. I don't rave about it, but I use it.

ETA: Years ago I tried the free version, couldn't make heads or tails of it.
by TomatoTomahto
Mon Aug 29, 2016 6:07 am
Forum: Personal Finance (Not Investing)
Topic: Managing a windfall: DIY or hire an advisor?
Replies: 47
Views: 3844

Re: Managing a windfall: DIY or hire an advisor?

If I were using your DFA advisor, I'd have to pay $100k for the privilege this year. Our AUM have grown over the years, but I don't think it's an exaggeration to say that the advisor would have cost us close to half a million dollars. I like to say that I'm dumber than a sack of hammers, but with a ...
by TomatoTomahto
Sun Aug 28, 2016 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for unemployed 64-year old broke friend
Replies: 69
Views: 6000

Re: Advice for unemployed 64-year old broke friend

There are companies affiliated with Lyft and Uber that will allow you to rent a car.
by TomatoTomahto
Sat Aug 27, 2016 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Moving 4M from Goldman. retired and needs 200K/Y
Replies: 37
Views: 5715

Re: Moving 4M from Goldman. retired and needs 200K/Y

It really stinks that a guy with $4mm cant even reliably produce $200k per year from that. Its very frustrating. The best strategy I think is to just put it in a mix of individual great dividend stocks (T, MO, JNJ, etc). The right mix of those get you 4% (or close) in dividends . Sorry for the spor...
by TomatoTomahto
Sat Aug 27, 2016 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Career Counseling for Teens
Replies: 34
Views: 1936

Re: Career Counseling for Teens

Before college, any career counseling would have missed my eventual career (software development) because it didn't exist yet. My dad's career counseling came up when we used a toll booth. He'd point to the toll taker and remind us kids that, while the job put food on the table, every diesel bus wou...
by TomatoTomahto
Mon Aug 22, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: College preparation from a financial point of view
Replies: 27
Views: 1772

Re: College preparation from a financial point of view

I don't have exact numbers, but between $60k and $70k per year per student at Yale and Skidmore. An older "non-traditional" student (ie, considered emancipated) at Rutgers, we contribute room and board of about $35k net per year. No first-class round-trip airfares are included. We are full...
by TomatoTomahto
Sun Aug 21, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: New Cars and Safety upgrades
Replies: 31
Views: 1627

Re: New Cars and Safety upgrades

Consumer Reports had an interesting (well, to me) recent article suggesting that the "kid car" (i.e., driven by teens) should be the family's newest vehicle with the most high-tech safety features. It even seemed to advocate for buying your new driver a brand new car (!) -- not very BH. O...
by TomatoTomahto
Sun Aug 21, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: How much do you spend on coffee/tea?
Replies: 58
Views: 2537

Re: How much do you spend on coffee/tea?

KlangFool wrote:[snip...]

1) Would you mind provide the name of the coffee roaster? If I am somewhere around there, I would like to try out the coffee.

Sure, http://www.thecoffeemillroasters.com. They are in Millburn, NJ.
by TomatoTomahto
Sun Aug 21, 2016 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Seemingly Too Good To Be True Investment Opportunity: Invest or Don't?
Replies: 85
Views: 6379

Re: Seemingly Too Good To Be True Investment Opportunity: Invest or Don't?

[snip...] Based on the above, I am actually trying to figure out what to do with the excess savings ... Excess savings? I'm not familiar with the concept. Is there such a thing? I would be stressed if I lost this investment. I've thought about that already. . Your supposed friend is playing on your...
by TomatoTomahto
Sun Aug 21, 2016 8:38 am
Forum: Personal Consumer Issues
Topic: New Cars and Safety upgrades
Replies: 31
Views: 1627

Re: New Cars and Safety upgrades

I was "paying more attention" last month on a 2-lane road, going at the posted 45 mph, when an oncoming idiot decided to ignore the road markings and attempt to pass someone probably also going 45 mph. Seeing the idiot coming straight at me, I braked and pulled as far onto the narrow shoul...
by TomatoTomahto
Sun Aug 21, 2016 7:15 am
Forum: Personal Consumer Issues
Topic: How much do you spend on coffee/tea?
Replies: 58
Views: 2537

Re: How much do you spend on coffee/tea?

1) Please do not associate "Coffee Fanatic" with Starbuck. A coffee fanatic would not believe that Starbuck is good enough. FINALLY. I knew if I waited long enough, I would agree with KlangFool on something :) A couple of years ago, a local coffee roaster opened shop 2 doors away from a S...
by TomatoTomahto
Sat Aug 20, 2016 4:08 pm
Forum: Personal Consumer Issues
Topic: New Cars and Safety upgrades
Replies: 31
Views: 1627

Re: New Cars and Safety upgrades

I think it's time to make some popcorn and pull up a chair.

I think my Tesla's crash ratings, due in large part to its battery underneath and gobs of crumple zone, are stellar. AFAIK, the X has not been tested yet, but the S was best-in-class.
by TomatoTomahto
Sat Aug 20, 2016 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Career Counseling for Teens
Replies: 34
Views: 1936

Re: Career Counseling for Teens

My kids have changed their minds multiple times since their teen years. I think their interests and skills are relatively well known, but how they will fit a profession might not be. For example, my barely 5' oldest was really engaged in working with autistic kids, but at one point reported that &qu...
by TomatoTomahto
Sat Aug 20, 2016 8:46 am
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 8964

Re: Favorite Restaurant Stop on Road Trips

A good mom and pop restaurant near a Tesla SuperCharger.
by TomatoTomahto
Sat Aug 20, 2016 5:10 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1867
Views: 428909

Re: What Movie Have You Recently Watched?

Brooklyn on HBO. Sweet. Enjoyed it.
by TomatoTomahto
Thu Aug 18, 2016 8:18 am
Forum: Investing - Theory, News & General
Topic: How do you know if you're taking on too much risk?
Replies: 14
Views: 1281

Re: How do you know if you're taking on too much risk?

1. When you watch the market closely.
2. When your ears perk up when overhearing someone talk about how the market's at an all-time high.

At 50/50, I find myself immune.
by TomatoTomahto
Wed Aug 17, 2016 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 115
Views: 9997

Re: Anyone else getting nervous and converting to cash as a short-term move?

Maybe you should hook up with miamivice (viewtopic.php?f=1&t=197635) who is considering borrowing money at 4% to invest. Hmmm.
by TomatoTomahto
Wed Aug 17, 2016 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 115
Views: 9997

Re: Anyone else getting nervous and converting to cash as a short-term move?

Doing the same thing as you (looking for an entrance opportunity with a pile of cash that is sitting idle) and would be interested in hearing how many people are actually looking to invest. For reasons that aren't important here, DW took a mid 6 digit lump sum of her cash benefit pension. When the ...
by TomatoTomahto
Wed Aug 17, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 115
Views: 9997

Re: Anyone else getting nervous and converting to cash as a short-term move?

Thanks all... and again my apologies, I promise to approach my future posts a little more carefully :) Nah, don't apologize, it's all in good fun. Welcome to the forum. At your age, I would not be nervous. If I were going to retire tomorrow, not nervous either. You have learned a valuable lesson; h...
by TomatoTomahto
Tue Aug 16, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 105
Views: 7355

Re: The True Cost of Owning a Dog

We are empty nesters now, and if it weren't for our rescue pit, we would have an apartment in NYC. I don't think she'd like that, so we stay here in the suburbs. I have no idea what price tag to put on that, but it is worth it when she curls up with us to watch TV in the evening. She's not a very he...
by TomatoTomahto
Tue Aug 16, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 134
Views: 11454

Re: Best Crossover SUV to purchase

We are big fans of the XC60; own 2 of them. Great cars, great safety, great service from Volvo. Thanks for the reply. Even i like Volvo XC60 - could you please comment on the features which i mentioned are covered by XC60. i think they're all covered, plus some you didn't mention, 5 seater. - Which...
by TomatoTomahto
Tue Aug 16, 2016 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 262
Views: 29622

Re: Self-made Millionaires: how did hitting 7 figures change you?

JamalJones wrote:Congrats on marrying well!!

It is one reason that I like to say that I only look stupid. :D
I come from a long line of men who married up, and I try to instill the same ethos in my kids.
by TomatoTomahto
Mon Aug 15, 2016 2:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1867
Views: 428909

Re: What Movie Have You Recently Watched?

No Escape. It's an accurate reminder of the realities of foreign travel. It confirmed that our decision to not renew our passports was the correct one. Good grief. I apologize if I am missing an intended irony, but really? It's really sad that an American, thinks that the rest of the world is an un...
by TomatoTomahto
Mon Aug 15, 2016 2:06 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1867
Views: 428909

Re: What Movie Have You Recently Watched?

RoadHouseFan wrote:Road House. It's a timeless classic.

Welcome to the forum. So, you're a Road House fan who might be on Facebook. :D
by TomatoTomahto
Mon Aug 15, 2016 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 262
Views: 29622

Re: Self-made Millionaires: how did hitting 7 figures change you?

For us, there were a few milestones: 1. When we were assured of a comfortable retirement (NW > $2.5M, moderate pensions, and SS). 2. When we knew we could provide graduate educations for the kids without debt or affecting retirement (somewhere around NW of $4M; should have realized it sooner, but I'...
by TomatoTomahto
Sun Aug 14, 2016 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Should I backdoor Roth or just stick with taxable?
Replies: 17
Views: 1829

Re: Should I backdoor Roth or just stick with taxable?

letsgobobby wrote:Option 1. Why would you choose to pay 33% taxes now (option 2) if you can avoid it?

+1

KISS
by TomatoTomahto
Sat Aug 13, 2016 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Is a backdoor Roth IRA really worth it?
Replies: 6
Views: 566

Re: Is a backdoor Roth IRA really worth it?

It's a bit like spitting into a bucket, but DW puts her $6500 in a backdoor Roth every year. She is a high earner, and our accountant snickered a bit when he first heard of it, but eventually it adds up. I think you'll find that most high earners expect to be in the same or similar tax bracket when ...
by TomatoTomahto
Sat Aug 13, 2016 4:48 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot and Control Freaks
Replies: 10
Views: 688

Re: Tesla Autopilot and Control Freaks

As for Tesla and autopilot. It is confused on new roads, roads without stripes, and when new overpasses show up in the camera. That is, it will brake for overpasses which can cause the car behind one to run into you. I've only driven a few thousand miles with AP, but in Northern NJ we have many ove...
by TomatoTomahto
Sat Aug 13, 2016 4:29 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot and Control Freaks
Replies: 10
Views: 688

Re: Tesla Autopilot and Control Freaks

As for Tesla and autopilot. It is confused on new roads, roads without stripes, and when new overpasses show up in the camera. That is, it will brake for overpasses which can cause the car behind one to run into you. I've only driven a few thousand miles with AP, but in Northern NJ we have many ove...
by TomatoTomahto
Sat Aug 13, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: Should I lease a Tesla?
Replies: 101
Views: 6201

Re: Should I lease a Tesla?

Kevin, maybe 2.0 will convince my wife to get one :D My X was recently in the shop for some small but bothersome issues. It was something I expected when I ordered early (VIN 02xx). There was a paint discoloration about the size of two quarters; it was a bit darker than the surrounding area. I asked...
by TomatoTomahto
Sat Aug 13, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot and Control Freaks
Replies: 10
Views: 688

Re: Tesla Autopilot and Control Freaks

I love AP, and don't mind the data sent back to the mothership all the time; it's how AP is improved. I leave my hands in light contact with the wheel (thumb and index finger), or sometimes on my thighs an inch or two away. My eyes are not focused in front of me as Longdog indicated. Staying in lane...
by TomatoTomahto
Sat Aug 13, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 144
Views: 7924

Re: Are you on Facebook?

Facebook is an entertaining way to stay in touch with some people, many from my distant past. Nothing more, nothing less.
by TomatoTomahto
Sat Aug 13, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Should I lease a Tesla?
Replies: 101
Views: 6201

Re: Should I lease a Tesla?

Buying or leasing a Tesla is a lot more like buying or leasing a computer than an "old-fashioned" car. For example, while I can get over-the_air updates for software, the hardware required for AutoPilot 2.0 has been announced, and some new vehicles will have it. It might or (more likely) ...
by TomatoTomahto
Sat Aug 13, 2016 12:46 pm
Forum: Personal Consumer Issues
Topic: Should I lease a Tesla?
Replies: 101
Views: 6201

Re: Should I lease a Tesla?

Buying or leasing a Tesla is a lot more like buying or leasing a computer than an "old-fashioned" car. For example, while I can get over-the_air updates for software, the hardware required for AutoPilot 2.0 has been announced, and some new vehicles will have it. It might or (more likely) n...
by TomatoTomahto
Sat Aug 13, 2016 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Help me understanding compensation in tech: Bonus, Stocks?
Replies: 16
Views: 1589

Re: Help me understanding compensation in tech: Bonus, Stocks?

You've undoubtedly figured this out, but bonuses also have a downside. I'll give you an example from banking tech, but it also generalizes. At her previous employer, DW got ~1/5 of her comp as salary, 4/5 as bonus. The bonus was roughly 1/3 payable in cash, immediately, 2/3 deferred (usually vesting...
by TomatoTomahto
Fri Aug 12, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: How To EARLY Identify/Support Gifted Child?
Replies: 24
Views: 1113

Re: How To EARLY Identify/Support Gifted Child?

JLMA, talk to him a lot, read to him a lot, let him self-direct, etc., but also keep in the back of your head the thought that "gifted and a token will get you uptown."
by TomatoTomahto
Fri Aug 12, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: Anyone else noticing the economy improving?
Replies: 78
Views: 4192

Re: Anyone else noticing the economy improving?

This has been going on for awhile. The pundits on TV want you to think otherwise. Maybe you should switch to a different network :sharebeer Around here (northern NJ), things are bustling, although some have felt the reduction in banking jobs. 8 houses on my block, 3 of them with a Tesla in the driv...
by TomatoTomahto
Fri Aug 12, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 134
Views: 11454

Re: Best Crossover SUV to purchase

We are big fans of the XC60; own 2 of them. Great cars, great safety, great service from Volvo. Thanks for the reply. Even i like Volvo XC60 - could you please comment on the features which i mentioned are covered by XC60. i think they're all covered, plus some you didn't mention, 5 seater. - Which...
by TomatoTomahto
Thu Aug 11, 2016 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Does playing in WNBA make fiscal sense
Replies: 41
Views: 2181

Re: Does playing in WNBA make fiscal sense

This reminds me why I wish they'd separate education and big-time sports. Many of these kids are as out-of-place in a college classroom as I'd be on a football field. DS had some chuckles playing club hockey at college, as he puts it playing left bench, but even that seemed reckless of his noggin, a...
by TomatoTomahto
Thu Aug 11, 2016 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Second Wife
Replies: 41
Views: 2675

Re: Social Security Second Wife

This is generally true but complicated if the OP has young children. Keep in mind that if the OP still has children under 18 when he reaches age 62 (and is hopefully still living), those dependent children can receive benefits while their father is living, once he has filed. It's actually a little ...
by TomatoTomahto
Wed Aug 10, 2016 2:51 pm
Forum: Personal Consumer Issues
Topic: Cost of feline dental care?
Replies: 15
Views: 1365

Re: Cost of feline dental care?

About 14 months ago my now 17 year-old cat had its remaining teeth pulled. She had been chronically sick for about 6 months, lost quite a bit of weight and frankly I didn't think she was going to make it through the summer. Since then her health has greatly improved and she has gained back the weig...
by TomatoTomahto
Wed Aug 10, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth: tax implications with other IRAs
Replies: 16
Views: 1184

Re: Backdoor Roth: tax implications with other IRAs

I am dumber than all the posters upstream, and that is why I don't mix deductible tIRA and backdoor Roth.
by TomatoTomahto
Wed Aug 10, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Should I lease a Tesla?
Replies: 101
Views: 6201

Re: Should I lease a Tesla?

Sounds like Mercedes and Tesla have basically the same approach to extended hands-off driving. If I'm not mistaken, Mercedes uses a capacitance-based detection, and Tesla bases it on small differences between AP steering and what the human input is. The Mercedes system leaves itself open to attempt...
by TomatoTomahto
Wed Aug 10, 2016 1:01 pm
Forum: Personal Consumer Issues
Topic: Should I lease a Tesla?
Replies: 101
Views: 6201

Re: Should I lease a Tesla?

I find it to be a very bad design decision to let a driver pull up his email on a dashboard display. There is no other use for that functionality except to read your email while in a motor vehicle that is traveling somewhere. Another legitimate use? Getting an address that I'm going to from an emai...
by TomatoTomahto
Wed Aug 10, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: College major...medical
Replies: 26
Views: 2271

Re: College major...medical

My son learned a lot during internships; especially useful was learning what he didn't want to do as a career. I second the vote for shadowing.
Your son is a rising HS junior, and might change his focus a half dozen times. It's early days.
by TomatoTomahto
Wed Aug 10, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Should I lease a Tesla?
Replies: 101
Views: 6201

Re: Should I lease a Tesla?

There was another AP related crash in China reported today in the press, hopefully safety authorities around the world force Tesla to disable it until they can prove it is safe. I think after getting rid of tainted food products, unsafe air, unsafe water, unvaccinated children, defective ignition s...

Go to advanced search