Search found 7141 matches

by TomatoTomahto
Sat May 26, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 49
Views: 3227

Re: Tesla Autopilot, worth it?

I would skip it. Not just the 'safety issues', but I wouldn't wanna deal with the perpetual software updates and it's new quirks after every update. I can barely keep up with my computer and phone updates. I would keep it as close to basic no frills spec as possible and get a AAA membership just in...
by TomatoTomahto
Sat May 26, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 49
Views: 3227

Re: Tesla Autopilot, worth it?

Andy, I don’t think a normal driver can sit with his hand in his laps, relaxed and enjoying the freedom that auto-steering affords, and instantly recognize a catostraphic situation and take over from autopilot. That immediate context switch, in my opinion, is not possible, especially when you’ve co...
by TomatoTomahto
Thu May 24, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75688

Re: To take or not to take delivery of Tesla 3

The last two posts prove my point. I have been doing my own product research, thank you very much, have owned Model S for 6 years with over 60,000 miles and Model X for past two years, by far best and most fun and safest vehicles we have ever owned. And friend with son got Model 3 few months ago an...
by TomatoTomahto
Fri May 18, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3295

Re: Road trip Newark NJ to Albany

It can be very grand and unforgettable around Newark airport. Everyone should see it once to experience it. It really is one of the 7+ wonders of the world. It's actually quite thrilling and breathtaking. Don't miss it if you have never seen it. So many lanes and signs and an amazing landscape of m...
by TomatoTomahto
Thu May 17, 2018 5:27 am
Forum: Personal Finance (Not Investing)
Topic: Would you send your children to private school in my situation?
Replies: 93
Views: 6008

Re: Would you send your children to private school in my situation?

One factor that hasn't been mentioned here, and it's something that was very important to us personally, is something called "tracking." Tracking is separating pupils by academic ability into groups for all subjects or certain classes and curriculum within a school. It may be referred to as streamin...
by TomatoTomahto
Wed May 16, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Would you send your children to private school in my situation?
Replies: 93
Views: 6008

Re: Would you send your children to private school in my situation?

It depends if the kids at the private school are all spoiled and coddled, or if they are well-adjusted and resilient. We were in a situation, believe it or not, where the public school kids in our affluent town were spoiled, coddled, and mono-cultural, whereas the private school kids were, because ...
by TomatoTomahto
Wed May 16, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: ?$ Bid for Upgrade to Business Class (per flight hour)
Replies: 15
Views: 1061

Re: ?$ Bid for Upgrade to Business Class (per flight hour)

Let me know how this turns out. I’m also stingy when it comes to upgrades on airplanes. We could afford to fly first class, but very seldom fly business class, or even whatever the upgraded coach is called. Our kids would really rather we spend the money on ourselves; they won’t want for anything, b...
by TomatoTomahto
Wed May 16, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75688

Re: To take or not to take delivery of Tesla 3

I have set 6 Roombas as my alarms and still sleep through all of them cleaning the house. This is a great example. Do you place the blame squarely on Roombas when you oversleep? May be we should make the example even stronger. How about in addition to the Roombas, you also set up good old alarm clo...
by TomatoTomahto
Sun May 13, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75688

Re: To take or not to take delivery of Tesla 3

For sure Subaru and other vendors are not having trouble (or I have not seen any significant reports) with cars running into objects stopped in front of them That’s a mighty big “or I have not seen...” For whatever reason, politics, ad revenue, desire for the status quo, media don’t make as much fu...
by TomatoTomahto
Sun May 13, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75688

Re: To take or not to take delivery of Tesla 3

A Tesla Model S sedan equipped with a semi-autonomous Autopilot system plowed into a truck stopped at a Utah traffic light Friday night, though it remains unknown if the Autopilot was in use during the crash. The Tesla’s female driver suffered a broken ankle and there was extensive damage to the ca...
by TomatoTomahto
Fri May 11, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4351

Re: Anyone buy carbon offsets when flying?

If I were that concerned about my carbon footprint, I wouldn't fly at all. I wouldn't drive either - I'd walk to my destination :happy Seriously, though, the plane will fly and use the fuel whether or not you are on board (unless everyone decided to cancel their reservations.) Yup, I already walk t...
by TomatoTomahto
Fri May 11, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor ROTH for 1 Year Only? Worth It?
Replies: 12
Views: 626

Re: Backdoor ROTH for 1 Year Only? Worth It?

Setting up the accounts takes, maybe, 15 minutes. Assuming you don’t have a traditional IRA balance, filling out the 8606 following retiredjg (and others) instructions should take 10 minutes.

Voila! I think it’s worth it.

ETA: I’m incredibly slow. Normal people can do it much quicker.
by TomatoTomahto
Fri May 11, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4351

Re: Anyone buy carbon offsets when flying?

If I were that concerned about my carbon footprint, I wouldn't fly at all. I wouldn't drive either - I'd walk to my destination :happy Seriously, though, the plane will fly and use the fuel whether or not you are on board (unless everyone decided to cancel their reservations.) Yup, I already walk t...
by TomatoTomahto
Mon May 07, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75688

Re: To take or not to take delivery of Tesla 3

How many slots do superchargers have? I mean, many of the those cities on the map have ONE supercharger with like 8 slots, right? The "old school" Superchargers usually had 6 or 8 stalls (slots), but the new ones seem to have 14 or more. I haven't seen any new Supercharger locations with fewer than...
by TomatoTomahto
Mon May 07, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75688

Re: To take or not to take delivery of Tesla 3

They cannot stand any criticism of their car at all. But the truth is EVs are more limited than gas cars right now. EVs are limited in different ways than ICE vehicles. My wife prefers the ICE limitations; I prefer the EV limitations. Btw, I can stand criticism of my car. In fact, I sometimes criti...
by TomatoTomahto
Sat May 05, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway B
Replies: 65
Views: 6333

Re: Berkshire Hathaway B

Boglegrappler wrote:
Sat May 05, 2018 8:20 am
[snip]…The only catch is that you have to come up with about $44 billion to get that level of dividend. :)
Well, what are you waiting for?
by TomatoTomahto
Sat May 05, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Chase Private Client Services?
Replies: 6
Views: 1409

Re: Chase Private Client Services?

We had it offered to us. We dipped our toes in it when looking for a quick asset-based loan in lieu of jumping through the hoops for a mortgage. We wound up paying cash for the house; the Private Client hoops were no less onerous than the mortgage company's. We did not take it when it was free, or r...
by TomatoTomahto
Fri May 04, 2018 6:19 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75688

Re: To take or not to take delivery of Tesla 3

Lots of pee breaks, get some coffee, stretch the legs, etc. I'm in my mid 60s; tell me about it :D If you listen to many on this thread, it seems the predominant use case is a 600+ mile trip with the pedal to the metal, with a 90 second fuel stop or two along the way. That's not my style of car use...
by TomatoTomahto
Wed May 02, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: How are you widow-proofing?
Replies: 35
Views: 4457

Re: How are you widow-proofing?

To elaborate on my (somewhat) tongue-in-cheek first reply, I have done the following: 1. All credit cards are autopay, most recurring bills go on credit cards automatically. I think things would go smoothly for a few months after I died, with no manual intervention. 2. Most everything is in Quicken ...
by TomatoTomahto
Wed May 02, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: How are you widow-proofing?
Replies: 35
Views: 4457

Re: How are you widow-proofing?

I planned ahead, so instead of widow-proofing, I married a woman smarter than me. She doesn’t want to be bothered with the finances, but can surely do as good a job as I have, when the time comes.
by TomatoTomahto
Wed May 02, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10085

Re: Have you quit eating sugar? Tell me how!

I had a long-running addiction to Diet Peach Snapple. That was difficult to cut out, but my attempts to keep myself to one or two bottles a day convinced me that, for me , only cold turkey would work. After that lesson, I worked on other things. Bread and pasta (and NYC bagels) are missed, but I fee...
by TomatoTomahto
Wed May 02, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10085

Re: Have you quit eating sugar? Tell me how!

After reading Dr. Jason Fung [Google him], I understood that the goal is not as much to reduce blood sugar as to reduce blood insulin. Protein-rich food does not raise sugar but raises insulin. Thus, the advantages of Low-Carb, High-Fat diets as opposed to protein diets. High-fat food is effective ...
by TomatoTomahto
Wed May 02, 2018 5:23 am
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway B
Replies: 65
Views: 6333

Re: Berkshire Hathaway B

We have had Berkshire stock for many years and held it in a taxable account only. It did quite well early on and became too large a part of our portfolio. It is now only about 1% of our holdings as we sold a lot to become more diversified. It is tax efficient as it has no dividends. We also felt th...
by TomatoTomahto
Sun Apr 29, 2018 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Traditional vs. Roth IRA for high-tax bracket
Replies: 11
Views: 757

Re: Traditional vs. Roth IRA for high-tax bracket

@ThisJustIn, there is something in the way that you describe your options that makes me wonder if you understand the details. That said, if you’re eligible for a mega backdoor Roth, go for it; it’s quite an effective way to save for retirement. I may be wrong, but to me the "doesn't sound right" pa...
by TomatoTomahto
Sat Apr 28, 2018 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional vs. Roth IRA for high-tax bracket
Replies: 11
Views: 757

Re: Traditional vs. Roth IRA for high-tax bracket

@ThisJustIn, there is something in the way that you describe your options that makes me wonder if you understand the details. That said, if you’re eligible for a mega backdoor Roth, go for it; it’s quite an effective way to save for retirement.
by TomatoTomahto
Sat Apr 28, 2018 7:24 pm
Forum: Investing - Theory, News & General
Topic: How does one optimally prepare for predictable, lumpy expenses while consistently investing?
Replies: 22
Views: 2058

Re: How does one optimally prepare for predictable, lumpy expenses while consistently investing?

We are usually fully invested, but I keep sufficient funds in a MM account to cover tuition (one of my kids is graduating :)), property taxes, and any other known expenses.
by TomatoTomahto
Sat Apr 28, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 5767

Re: Comfortable Commuter Cars under $50K

Based on OP's income, I've changed my recommendation from a Volvo XC60 to a Tesla Model S. It might be tough to keep under $50k, but a CPO can be had for that price, when you factor in the savings (gasoline, oil changes, etc.).
by TomatoTomahto
Fri Apr 27, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: How stressful is buying a home?
Replies: 56
Views: 3199

Re: How stressful is buying a home?

We just paid cash for a house that we can well afford, and it was still stressful. Perhaps not as bad as for your friends, but it is a momentous purchase.
by TomatoTomahto
Fri Apr 27, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10793

Re: Amazon to raise Prime membership in US to $119 from $99

I just moved into a new house. I once again feel lucky to have Amazon Prime, where I can decide that I need a whizdoodle for the house, order it at a reasonable price, and have it delivered to my new address in two days, without having to provide my credit card information and shipping address to so...
by TomatoTomahto
Thu Apr 26, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 5767

Re: Comfortable Commuter Cars under $50K

You might check out the Volvo XC60. It's an SUV, but doesn't look as big (unlike the larger XC90). For some more zippy, try the Turbo. The new models just out are classy looking, but you probably wouldn't yet find a great CPO. We got a CPO, first time we didn't get a "new" car. It felt odd at first...
by TomatoTomahto
Tue Apr 24, 2018 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10136

Re: Salary Negotiation gone sour

If they took someone else because of 3k/yr losing that job was actually positive for you. +1. Something is fishy about that company. You probably lucked out. That’s why I think it’s always good to negotiate for salary — the company’s way of handling it is a pretty good indicator of what it will be ...
by TomatoTomahto
Mon Apr 23, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75688

Re: To take or not to take delivery of Tesla 3

One more question for existing owners of any pure EV. I had traveled for work Mon-Thu by flights and left my car in airport parking lots. What is the degradation of battery power that was noticed for EV vehicles in such scenarios (No charge, no driving for 4 days)? In my experience, minimal for 4 d...
by TomatoTomahto
Thu Apr 19, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75688

Re: To take or not to take delivery of Tesla 3

I saw a Model 3 in the parking lot at the golf course this afternoon. Looked great. A bit bigger than I thought it would be. I was impressed. Very impressive from DanMahowny who is not a Tesla fan far as I can figure. I have never seen Model 3 in person. I think Dan should do a test drive and repor...
by TomatoTomahto
Mon Apr 16, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 977
Views: 75688

Re: To take or not to take delivery of Tesla 3

killjoy2012 wrote:
Mon Apr 16, 2018 7:26 am
So a very, very short test drive in a $100k vehicle that's a different model than the one you're considering purchasing, convinced you to buy their $40k model that they don't even have one of on-site to show you?
You might be the winner of the “truth in username accuracy award.” :D
by TomatoTomahto
Thu Apr 12, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Could you support family on 1 income?
Replies: 88
Views: 6069

Re: Could you support family on 1 income?

In 2001, my wife and I were considering me becoming a SAHD (Stay At Home Dad). We figured that with the reduced childcare costs, we could just manage it, but we expected that we'd have to be aware of costs. Shortly afterwards, with the freedom to accept a business trip when necessary, with the freed...
by TomatoTomahto
Thu Apr 12, 2018 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13306

Re: Ivy school education. Is it worth it?

Your point is that Harvard/Princeton/Yale accept 30% legacies. But that's OK, because the other 70% are the best of the best. And even the 30% of legacies are not from the bottom of the academic distribution; legacies compete with other legacies for these 30%. From what I understand, Yale, for exam...
by TomatoTomahto
Wed Apr 11, 2018 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13306

Re: Ivy school education. Is it worth it?

(a child of a close friend has done the International Baccalaureate. In 2nd year of a well-rated engineering programme in North America, the child is still reviewing some material done in the IB-- the kids from a North American educational background (one of the higher rated systems, too) just don'...
by TomatoTomahto
Wed Apr 11, 2018 6:12 am
Forum: Investing - Help with Personal Investments
Topic: Any aggressive index funds in your portfolio?
Replies: 35
Views: 3428

Re: Any aggressive index funds in your portfolio?

PRIMECAP is our "risky" fund, albeit an active rather than index one.
by TomatoTomahto
Tue Apr 10, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13306

Re: Ivy school education. Is it worth it?

Harvard could fill its class with nothing but perfect SAT scorers if they so choose. I don’t disagree with your larger point, but I find this factoid interesting: there are generally between 300 and 600 perfect SAT scores annually, of the roughly 1.7 million students who take the test (some more th...
by TomatoTomahto
Tue Apr 10, 2018 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13306

Re: Ivy school education. Is it worth it?

To OP, If your child is an avg student in HS, the likihood of them succeeding in an Ivy is extremely slim. Very rarely will one suddenly turn on a switch and start improving their study habits in upper education. It is much better for someone to enroll in the school that is their level where they c...
by TomatoTomahto
Mon Apr 09, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Account for benefit of a relative; doling out funds
Replies: 16
Views: 1083

Re: Account for benefit of a relative; doling out funds

R would probably not agree to it being in a trust. That’s a whole can of worms I want nothing to do with. This is probably the third or fourth red flag for me. Why does R have to agree with how they receive an inheritance? Why is the legal vehicle designed for purposes like this a can of worms? I w...
by TomatoTomahto
Mon Apr 09, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13306

Re: Ivy school education. Is it worth it?

One thing that was pointed out was that Levy graduated from Cornell, but so did his child which doesn't look good for his legacy comments. To quote my son, when he was applying, “Dad, I know you hate legacy advantage, but let’s see what you say when it’s your grandchild applying.” Um, he’s got a po...
by TomatoTomahto
Mon Apr 09, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13306

Re: Ivy school education. Is it worth it?

If your parents make say $100-150k pa in Middle America, then you are likely to get relatively little aid at Stanford? You are not a wealthy legacy admit, nor on some super athletic or academic scholarship? So you will wind up with $200k of debt from undergrad? No need to make up numbers, there are...
by TomatoTomahto
Mon Apr 09, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Account for benefit of a relative; doling out funds
Replies: 16
Views: 1083

Re: Account for benefit of a relative; doling out funds

On of the impressions I took away from the "Beyond the Grave" book very heavily recommended here, is that in an arrangement where a responsible relative is put in position as gatekeeper to an irresponsible relative, the irresponsible relative may see the gatekeeper as standing between them and thei...
by TomatoTomahto
Mon Apr 09, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Account for benefit of a relative; doling out funds
Replies: 16
Views: 1083

Re: Account for benefit of a relative; doling out funds

R would probably not agree to it being in a trust. That’s a whole can of worms I want nothing to do with.
by TomatoTomahto
Mon Apr 09, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Account for benefit of a relative; doling out funds
Replies: 16
Views: 1083

Re: Account for benefit of a relative; doling out funds

About five years ago my then 91 year old father asked me to begin doing his taxes for him. About three years ago he asked me to take over all of his finances. He does not use a computer - at all. I worked with him and my Vanguard rep to open an account in his name. He signed the necessary Vanguard ...
by TomatoTomahto
Mon Apr 09, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13306

Re: Ivy school education. Is it worth it?

Couple of other things to keep in mind 1. Ivies do not provide athletic or merit scholarships, only need based. Middle to upper middle class will pay full amount. See my post above. This is no longer true for middle class families. Even many upper middle class families (depending on how you define ...
by TomatoTomahto
Mon Apr 09, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13306

Re: Ivy school education. Is it worth it?

[snip] Couple of other things to keep in mind 1. Ivies do not provide athletic or merit scholarships, only need based. Middle to upper middle class will pay full amount. [snip] The ivies are obviously good schools but in most cases the ROI is not there. I don't think you've kept up with financial a...
by TomatoTomahto
Mon Apr 09, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13306

Re: Ivy school education. Is it worth it?

Stanford is technically not an Ivy, but I think any reasonable consideration of same would have to include Stanford-- by any measure it has similar demographics and outcomes for its (undergrad) student body. Again, this is why I think the conversation is really about "Ivy-plus" not strictly "Ivies"...
by TomatoTomahto
Mon Apr 09, 2018 5:34 am
Forum: Personal Finance (Not Investing)
Topic: Account for benefit of a relative; doling out funds
Replies: 16
Views: 1083

Re: Account for benefit of a relative; doling out funds

Thanks everyone for your thoughts on this.