Search found 5219 matches

by TomatoTomahto
Sun Dec 04, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 226
Views: 9495

Re: Picking College and College Scholarships

travellight wrote:I am very surprised in that article that Stanford is not in the top 10 in happiness ranking.

I think they just misspelled Stanford: D.A.R.T.M.O.U.T.H. I was surprised to see it at #2
by TomatoTomahto
Sun Dec 04, 2016 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of going solo
Replies: 23
Views: 2138

Re: Thinking of going solo

As of a year ago, this is what it was. It might have changed
https://thefinancebuff.com/vanguard-fid ... count.html
by TomatoTomahto
Sun Dec 04, 2016 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 226
Views: 9495

Re: Picking College and College Scholarships

Happiness rankings are a bit of a mug's game. As should be clear, what I posted was one student's perception of his friends' and acquaintances' happiness, and much of the analysis taking place at The Game, one can imagine that beer might have been involved. The rankings I've seen are all over the ma...
by TomatoTomahto
Sat Dec 03, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Who will run my Ethernet Cables for me?
Replies: 12
Views: 1052

Re: Who will run my Ethernet Cables for me?

We had the electrician do it before the walls went up during a renovation. They should be able to do a nice clean job.
by TomatoTomahto
Sat Dec 03, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 226
Views: 9495

Re: Picking College and College Scholarships

His info session at Harvard lasted a few minutes before he texted his mother, sitting next to him, "could they be any more pretentious?" Since then, at The Game, he reports that many H students are miserable and regret their decision because of the social life. Interesting. I know many mi...
by TomatoTomahto
Sat Dec 03, 2016 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 226
Views: 9495

Re: Picking College and College Scholarships

He applied SCEA to Yale and Michigan (allowed under SCEA rules), accepted to both, did not apply to others. He had also considered MIT, Caltech, CMU, Stanford and some safeties. He decided against MIT because he wasnt sure about his major (at the time it was Physics) and MIT's offerings if he switch...
by TomatoTomahto
Sat Dec 03, 2016 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 226
Views: 9495

Re: Picking College and College Scholarships

As the saying goes, that's what makes horse races. Our familiarity at Yale is with CS, where a lot of additional spending has taken place and some quality professors have been hired. It would be wrong to say that they've righted all the wrongs, but they have played pretty serious catch-up. I should ...
by TomatoTomahto
Sat Dec 03, 2016 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 226
Views: 9495

Re: Picking College and College Scholarships

I should have mentioned. Even for the "most qualified", getting into the likes of MIT, Stanford, etc. is a lottery. Your qualifications grant you one lottery ticket. While he'll likely apply to this class of schools, if gets in ... great. We'll put it in the mix then ... If he's getting 3...
by TomatoTomahto
Sat Dec 03, 2016 8:13 am
Forum: Personal Finance (Not Investing)
Topic: "E-E bonds" or "Double E bonds" ?
Replies: 8
Views: 891

Re: "E-E bonds" or "Double E bonds" ?

Mr. Gatti wrote:You say potato. I say po-tah-to...

I was having a discussion the other day with someone and we were talking about EE bonds. He said one way and I have always said the other. Which way do you say?


HEY! That's MY song!

Double E
by TomatoTomahto
Fri Dec 02, 2016 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Very tough career choice part 2 (ego, startup, hedge funds)
Replies: 78
Views: 7047

Re: Very tough career choice part 2 (ego, startup, hedge funds)

I cannot disagree with a word that Matto said. I am emailing the summary to DS who is approaching some decisions soon (he's a college junior right now). Thanks. This subject is a bit of a passion of mine. So an open offer to anyone reading, feel free to PM me to ask specific questions. There is a h...
by TomatoTomahto
Fri Dec 02, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Very tough career choice part 2 (ego, startup, hedge funds)
Replies: 78
Views: 7047

Re: Very tough career choice part 2 (ego, startup, hedge funds)

I cannot disagree with a word that Matto said. I am emailing the summary to DS who is approaching some decisions soon (he's a college junior right now).
by TomatoTomahto
Thu Dec 01, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6004

Re: Should I buy a new car for safety's sake?

The only car we might keep for 10 years is my Tesla, but even that might become our secondary car sooner than that. The tesla has a lot of computer stuff built-in. I hope software and OS updates run well on the existing hardware 5, 10, 15 years from now. This is not much of a concern in cars with l...
by TomatoTomahto
Thu Dec 01, 2016 1:31 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6004

Re: Should I buy a new car for safety's sake?

Sign of the times: I told "next in line to graduate" that I was intending to sell "his" car but would get him a Tesla Model 3 when he graduates, as a graduation present. His response (paraphrased) was "do what you wish with my car, but I don't think that I will want a car w...
by TomatoTomahto
Thu Dec 01, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6004

Re: Should I buy a new car for safety's sake?

Everyone can have an "exception" from statistics. I call them unreliable based upon Consumer Reports data. They have three categories: More Reliable; Reliable: and Less Reliable. Volvo is in the Less Reliable category: I guess we've had 3 exceptions, although TBH they're not old. Nothing ...
by TomatoTomahto
Thu Dec 01, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6004

Re: Should I buy a new car for safety's sake?

Everyone can have an "exception" from statistics. I call them unreliable based upon Consumer Reports data. They have three categories: More Reliable; Reliable: and Less Reliable. Volvo is in the Less Reliable category: I guess we've had 3 exceptions, although TBH they're not old. Nothing ...
by TomatoTomahto
Thu Dec 01, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Should We Buy or Rent?
Replies: 48
Views: 4383

Re: Should We Buy or Rent?

We believe that most cases of long-term unemployment (or under-employment) are a symptom of disruption in the supply/demand curve for local workers. And, when this happens, workers that are unable to relocate will suffer the most. I tell my kids, and others, not to undervalue liquidity. We have own...
by TomatoTomahto
Thu Dec 01, 2016 8:34 am
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 42
Views: 2699

Re: livesoft is almost at 50,000 posts...

Livesoft, I usually don't hop on these lovefest threads, but I do want to say that I enjoy and appreciate (they're two different things) your "voice." You often make me chuckle.

:sharebeer
by TomatoTomahto
Thu Dec 01, 2016 7:58 am
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6004

Re: Should I buy a new car for safety's sake?

I don't skimp on family cars and stick to leasing as the tech improves so quickly. The impact to my savings rate is very minor . That's the real key. The impact to the savings rate for the vast vast majority of people would be significant, and it becomes a much harder decision. Everyone who posts i...
by TomatoTomahto
Wed Nov 30, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6004

Re: Should I buy a new car for safety's sake?

I'm just glad I survived driving for 10 years a 1970 VW Bus with a thin piece of sheet metal between me and eternity! I smoked cigarettes and survived (quit 34 years ago, but who's counting?). In spite of my survival, I still discourage it for my family and loved ones. I did other things with a hig...
by TomatoTomahto
Wed Nov 30, 2016 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of going solo
Replies: 23
Views: 2138

Re: Thinking of going solo

Welcome to the forum. I find Vanguard customer service "sufficient." They don't pamper me, but they do what I need them to do. Mostly I manage things myself. Our liquid assets are closer to 8 digits than 6. I haven't unraveled some earlier misguided and exuberant complexity because some of...
by TomatoTomahto
Wed Nov 30, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6004

Re: Should I buy a new car for safety's sake?

I have to wonder, in the multiple posts on this topic, how many (if any) minds have been changed.

I will admit that I changed my mind on the value of winter tires; I no longer use all-seasons. On the bigger picture, nope, same beliefs.
by TomatoTomahto
Wed Nov 30, 2016 8:07 am
Forum: Personal Finance (Not Investing)
Topic: should I ask for referral bonus? (physician private practice)
Replies: 26
Views: 1871

Re: should I ask for referral bonus? (physician private practice)

Funny story, I had a VP of Sales at my prior company who hired 3 or 4 of his boys as senior AEs and then reached out a few months later checking on the status of his referral bonuses. :oops: In the dictionary, that's listed under the definition of chutzpah, right after the murder/orphan angle. My w...
by TomatoTomahto
Wed Nov 30, 2016 7:52 am
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6004

Re: Should I buy a new car for safety's sake?

It would not be a close call for me, but ymmv. There are certain things that I spend freely on: education, family vacations, and safe cars among them. To my mind, that's the point of being a BH, to have the means to spend on what matters to me.
by TomatoTomahto
Tue Nov 29, 2016 11:00 am
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 260
Views: 40033

Re: Tesla X

My Tesla dealer offers Tesla loaners, which can take a couple of weeks to schedule, or non-Tesla loaners (ie., rentals), which you can use if you are time-constrained. I wait for the Tesla, which have been recent model S rather than X; the cars are nice, but as we've discussed, they're low to the gr...
by TomatoTomahto
Tue Nov 29, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"
Replies: 78
Views: 8242

Re: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"

Tesla's biggest challenge is that EVs will be mainstream by the time the Model 3 is being produced and consumers will have a lot of options. Even their charging infrastructure is about to be outdated after a massive investment: http://www.autocar.co.uk/car-news/industry/porsche-pioneer-ev-rapid-cha...
by TomatoTomahto
Tue Nov 29, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: Tesla X
Replies: 260
Views: 40033

Re: Tesla X

14th out of 15th. Could be worse! http://money.cnn.com/2016/11/28/autos/tesla-model-x-consumer-reports/index.html?iid=ob_homepage_deskrecommended_pool Tesla's super-hot Model X SUV just took a beating in Consumer Reports magazine. The verdict: "fast but flawed." "In spite of its virt...
by TomatoTomahto
Tue Nov 29, 2016 9:42 am
Forum: Forum Issues and Administration
Topic: Thanks BH for a non-political oasis
Replies: 23
Views: 2327

Re: Thanks BH for a non-political oasis

Okay folks, let's please not turn this into the antithesis of my intention when I started the thread. I don't disagree with your thoughts, but please take it elsewhere. Thank you.
:beer
by TomatoTomahto
Mon Nov 28, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: Shopping and Time Vs. Money
Replies: 20
Views: 1822

Re: Shopping and Time Vs. Money

Most of the time I just go to Amazon. Life is short. I get 5% back from Amazon, which usually makes them competitive. For larger purchases, I will do a few minutes of research. I got a good price last week for a replacement dishwasher locally after 5 minutes of searching (OT, but why do appliances a...
by TomatoTomahto
Sun Nov 27, 2016 8:01 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 215
Views: 20607

Re: What is your favorite consumer product?

@btenny, she works with a knowledgeable guy at a local running store, who found a NB built on the same last and similar in construction. She's running Boston again, which I don't try to discourage, but I think that the training is valuable, the race itself not so much (especially the last time she r...
by TomatoTomahto
Sun Nov 27, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: Cake or pie?
Replies: 7
Views: 712

Re: Cake or pie?

Even though the word "cake" is in cheesecake, it seems more related to pies than cake. I'm not sure where the name came from anyways. Would sugar-free pies work for you? I have a diabetic uncle that seems okay with eating those. I could probably deal with sugar-free pie (I assume mostly f...
by TomatoTomahto
Sun Nov 27, 2016 10:58 am
Forum: Personal Consumer Issues
Topic: Cake or pie?
Replies: 7
Views: 712

Re: Cake or pie?

Back before I was diagnosed a diabetic, PIES! Preferably not too sweet. As for cakes, a good cheesecake was all right. I barely miss bagels, pasta, rice, as much bread as I wanted, ice cream, sorbet, etc. However, I'd love a small slice of tart apple pie, or even better, a slice of my sister's plum ...
by TomatoTomahto
Sun Nov 27, 2016 8:16 am
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 53
Views: 5623

Re: Amazon Echo

I forgot to mention: Ford is now integrating your car with Alexa. So, from your Echo you can now tell it to "start my car" and for those who have a hybrid or electric car, before you leave you can ask Alexa "how much charge do I have left" and it will tell you your range. Finall...
by TomatoTomahto
Sun Nov 27, 2016 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Advice for 30 Year-Old Aggressive Saver & Cautious Investor
Replies: 9
Views: 915

Re: Advice for 30 Year-Old Aggressive Saver & Cautious Investor

Welcome to the forum!

I didn't do the math, but overall you're roughly 70/30. There's nothing wrong with that if it helps you stay the course in bad times, sleep well at night, etc.

Saving aggressively and staying the course are key. We are nearing retirement, and we're 55/45.

:sharebeer
by TomatoTomahto
Sat Nov 26, 2016 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: My Bonds Are Enraging Me
Replies: 43
Views: 5191

Re: My Bonds Are Enraging Me

Strayshot wrote:Everyone stop feeding the troll.

Recommend mods lock this thread.


Yup. Should be more than enough L-Trypophan in everyone's system to resist the urge.
by TomatoTomahto
Sat Nov 26, 2016 10:11 am
Forum: Personal Finance (Not Investing)
Topic: From no state-tax to state-tax
Replies: 26
Views: 2308

Re: From no state-tax to state-tax

^ 23 cents. We are the pothole capital of the US.
by TomatoTomahto
Fri Nov 25, 2016 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Keep it simple at high income level?
Replies: 34
Views: 5722

Re: Keep it simple at high income level?

Good advice above. We max out I-Bonds every year (low annual limit, but it eventually accumulates). I've seen many i-Bond advocates on these boards, and I just don't get it. Ok, they are inflation protected...but the yield is pretty low. Fixed rate at the moment is 0.0%. Why wouldn't I just stick t...
by TomatoTomahto
Thu Nov 24, 2016 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Types of Assets HNWI Boomers Own
Replies: 21
Views: 2369

Re: Types of Assets HNWI Boomers Own

Did you drop a zero (i.e., you meant $30M rather than $3)?
by TomatoTomahto
Thu Nov 24, 2016 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Keep it simple at high income level?
Replies: 34
Views: 5722

Re: Keep it simple at high income level?

Good advice above. We paid off our mortgage early. We said "thanks, but no thanks" to the various "wealth managers" that wanted to be friends. We owned BRK, but have only one share of BRK.A left. It's our only voluntary investment in individual stock. We use mostly Intermediate T...
by TomatoTomahto
Wed Nov 23, 2016 1:04 pm
Forum: Personal Consumer Issues
Topic: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"
Replies: 78
Views: 8242

Re: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"

http://www.bloomberg.com/news/articles/2016-11-22/elon-musk-vs-the-trolls I think the National Report or Onion article was a parody of the ridiculous troll articles being published against Elon Musk and his endeavors. Scary thing is not that they are being published but that so many people believe ...
by TomatoTomahto
Wed Nov 23, 2016 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Chase no longer works with Quicken?
Replies: 24
Views: 11316

Re: Chase no longer works with Quicken?

My Chase downloads continue to work.
by TomatoTomahto
Tue Nov 22, 2016 6:07 pm
Forum: Investing - Theory, News & General
Topic: Decided to try timing the market. 100% short on 9/17/15
Replies: 349
Views: 48892

Re: Decided to try timing the market. 100% short on 9/17/15

Here's the problem: I follow threads like this with some interest, but I really don't have a dog in the fight. L. It's funny; in the past, I avoided threads like this because of a lack of interest. My son just accepted an internship at a very successful hedge fund for the summer. Now I have, if not...
by TomatoTomahto
Tue Nov 22, 2016 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA
Replies: 10
Views: 717

Re: Backdoor Roth IRA

Member Retiredjg recommends practicing with a dummy form 8606 to make sure you understand the process. If you don't understand it, don't do it. It's not difficult, but something akin to "measure twice, cut once."
by TomatoTomahto
Tue Nov 22, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"
Replies: 78
Views: 8242

Re: "Musk Says Tesla’s Solar Shingles Will Cost Less Than a Dumb Roof"

This week, a scientific research facility in Wyoming made a startling discovery that is certain to change the way millions of Americans look at the environmentalism movement, after they found conclusive evidence that solar panels not only convert the sun's energy into usable energy, but that they a...
by TomatoTomahto
Tue Nov 22, 2016 1:27 pm
Forum: Personal Consumer Issues
Topic: Poker Training Software
Replies: 30
Views: 2388

Re: Poker Training Software

...or a decent site that won't try to steer me to some other enterprise? I'll try to steer you to some other enterprise right here. You've known about card games and have skipped up until now. I'd keep skipping it. I started playing poker 30 years ago with some commodities traders that I rode the t...
by TomatoTomahto
Tue Nov 22, 2016 10:11 am
Forum: Personal Finance (Not Investing)
Topic: What rate do you figure for yearly college inflation?
Replies: 7
Views: 495

Re: What rate do you figure for yearly college inflation?

Herbert Stein wrote:If something cannot go on forever, it will stop.

At some point, I expect yearly college inflation to match overall inflation, if not go down. Otoh, I would have thought that about healthcare inflation also.
by TomatoTomahto
Mon Nov 21, 2016 5:29 pm
Forum: Forum Issues and Administration
Topic: Thanks BH for a non-political oasis
Replies: 23
Views: 2327

Thanks BH for a non-political oasis

I read a comment by David Jay that made me want to thank the forum moderators for keeping this forum an island of civility during this election and post-election season. I'm sure that many of us have strong feelings about the election, but it is nice to come to a place where those thoughts and feeli...
by TomatoTomahto
Mon Nov 21, 2016 1:35 pm
Forum: Investing - Theory, News & General
Topic: Is it responsible to buy tens of thousands of dollars of a fund at once?
Replies: 35
Views: 3095

Re: Is it responsible to buy tens of thousands of dollars of a fund at once?

Who remembers the first time their portfolio DROPPED $25,000 in one day? $35,000? $50,000? $100,000? I was happy when Livesoft's Rule ("you can afford as much car as your portfolio drops in a day") met my Tesla cost. Re large transactions: DW's bonus, a large percentage of her annual comp...
by TomatoTomahto
Mon Nov 21, 2016 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: If I won the game, how to play the next phase?
Replies: 27
Views: 4229

Re: If I won the game, how to play the next phase?

In theory, we intend to glide to 50/50. In practice, we land at about 55/45. It's all close enough.
by TomatoTomahto
Sat Nov 19, 2016 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: facebook
Replies: 45
Views: 5067

Re: facebook

If the other 85% of your retirement portfolio is invested in a reasonable asset allocation of low cost index funds and is more than sufficient to sustain you in retirement, then you can hang on to your Facebook stock. If, however, you foresee the day that you will need to rely on that remaining 15%...
by TomatoTomahto
Sat Nov 19, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2433

Re: Help me figure out the running cost of having winter tires

The running cost can actually be negative in certain situations. The tires for my car's stock 19" wheels are rather pricey. 17" winter tires are so much cheaper for this car that I will break even after 8 years of ownership vs. using only the stock setup. Beyond that I'll be saving money....

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