Search found 4470 matches

by TomatoTomahto
Fri Feb 12, 2016 2:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2753
Views: 546005

Re: U.S. stocks in freefall

visualguy wrote: I find it very disturbing that world markets react so radically even when there's nothing to panic about.

I'm not recommending panic, but surely you can't be saying that the world is hunky dory, are you?
by TomatoTomahto
Fri Feb 12, 2016 2:01 pm
Forum: Personal Consumer Issues
Topic: High school junior summer programs
Replies: 20
Views: 850

Re: High school junior summer programs

When my now college sophomore was a HS junior, he got an internship that wasn't intended for HS students (it was a Plasma Physics Lab and the equipment is dangerous). To my shame, I told him not to apply, telling him that it was hopeless. He read some the papers that the director and others involved...
by TomatoTomahto
Fri Feb 12, 2016 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Conversion of 5000.06 instead of 5500, am I in trouble?
Replies: 6
Views: 534

Re: Backdoor Roth Conversion of 5000.06 instead of 5500, am I in trouble?

Darkhorse, they only send out the SWAT team for amounts > $0.07, so you should be okay.

Just round to the nearest dollar. NBD.
by TomatoTomahto
Fri Feb 12, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Someone tried to access my Vanguard account
Replies: 20
Views: 1593

Re: Someone tried to access my Vanguard account

I spoke to Vanguard about this. They acknowledged that it was their error. I had already changed my passwords. L
by TomatoTomahto
Thu Feb 11, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 35
Views: 2566

Re: Managing kid's internet use

Homework assignments require Internet access. Huh? On any topic I research on the internet - I find a lot of the same surface information. Same bits repeated over and over. I don't find any depth in information or data that qualifies as a basis for research that one might find in text books or scie...
by TomatoTomahto
Thu Feb 11, 2016 2:07 pm
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 35
Views: 2566

Re: Managing kid's internet use

How about completely shutting off their internet other than at specific, monitored times? What value are they really forgoing? One more FB post? One more tweet? Another cute cat video? That's easier said than done, unless you want to take their phones, turn off all Internet in the house, and trust ...
by TomatoTomahto
Tue Feb 09, 2016 10:56 pm
Forum: Personal Consumer Issues
Topic: Math and Computer Science
Replies: 69
Views: 3232

Re: Math and Computer Science

dixdak wrote:I have no interest in getting involved. Just calibrating my BS meter, mostly.

Eh? You're the OP!

IMHO, programming <> CS. I made a very good living programming, I could probably not pass the first year at a high-end CS program.
by TomatoTomahto
Tue Feb 09, 2016 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4902

Re: Public school or private school (with school data)

Adding some more data to the conversation. National Merit Scholarship results - 2015 Private school: 6 finalists, 8 commended (out of 91 students) Public school: 6 finalists, 1 commended (out of 180 students) 2014 (number of students in graduating classes should be about the same as in 2015) Privat...
by TomatoTomahto
Tue Feb 09, 2016 2:29 pm
Forum: Investing - Theory, News & General
Topic: Schwab vs Vanguard
Replies: 27
Views: 2229

Re: Schwab vs Vanguard

Even without a gun to my head, my favorite is Vanguard. Fidelity is a distant second, but that might be influenced by a small customer service error on their part. I haven't had a Schwab account for a long time, so I can't say.
by TomatoTomahto
Tue Feb 09, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Excess 401k contribution in 2015
Replies: 2
Views: 220

Re: Excess 401k contribution in 2015

Are companies A and B related? Also, are both plans 401k plans? If the answer to the first question is no, and the second yes, I don't think there is an issue. Companies A and B are not related. Both are 401k plans. Company A - $52,150 after-tax (nonRoth) contribution - $53k annual additions limit ...
by TomatoTomahto
Tue Feb 09, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Excess 401k contribution in 2015
Replies: 2
Views: 220

Excess 401k contribution in 2015

I found a number of threads that deal with excess contributions, but couldn't find one that matches our situation exactly, so on the off chance that it makes a difference, here's what happened. DW worked in 2015 for two companies; Company A and Company B. At Company A, she contributed $52,150 to a P...
by TomatoTomahto
Mon Feb 08, 2016 11:01 pm
Forum: Personal Consumer Issues
Topic: Setting up Internet for a newly constructed house
Replies: 18
Views: 1382

Re: Setting up Internet for a newly constructed house

When we did our renovation, we did home run Cat 5e (I believe the best readily available then) pulls to any room that we could. We now use two AirPort Extreme routers in addition to whatever the FIOS Quantum router is. We get good wifi throughout the house, but imho, nothing beats Ethernet. A Roku w...
by TomatoTomahto
Mon Feb 08, 2016 10:33 pm
Forum: Personal Consumer Issues
Topic: Managing kid's internet use
Replies: 35
Views: 2566

Re: Managing kid's internet use

I agree with most of what Texasdiver said. Attempts to control my kids taught them how VPN can work around their school's restrictions; educational! :D

We did use this as a teachable moment, and discussed how it was a violation of the honor code, at least as interpreted by their parents.
by TomatoTomahto
Mon Feb 08, 2016 10:18 pm
Forum: Personal Consumer Issues
Topic: Bar/Bat Mitzvah gift question
Replies: 19
Views: 1053

Re: Bar/Bat Mitzvah gift question

IMO, and having no idea of the local norms, I think $72 is appropriate. If it's anything like the few I've attended, you will have given plenty by simply attending; they can be long affairs. That said, and I'm not religious or partial to ceremonies, I have found that each one I've attended has broug...
by TomatoTomahto
Mon Feb 08, 2016 4:09 pm
Forum: Personal Consumer Issues
Topic: generator [Thinking about a generator]
Replies: 33
Views: 1559

Re: generator

We decided not to install a Generic propane generator when Solar City came out with its home battery/solar panel scheme in May, 2015. Now that Nevada's PUC has eliminated "net metering" which made the whole scheme feasible, our new plan is to forget about backup power and go to a nice hot...
by TomatoTomahto
Mon Feb 08, 2016 2:52 pm
Forum: Personal Consumer Issues
Topic: generator [Thinking about a generator]
Replies: 33
Views: 1559

Re: generator

- Look into the Tesla Home Battery. A Tesla home battery and solar panels may be a nice gesture if you want to save the planet and don't mind the price or if you live in Hawaii where sun is plentiful and cheap but electricity is not, but it is virtually useless as a backup for anything except very ...
by TomatoTomahto
Sun Feb 07, 2016 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Home ownership for unmarried couple
Replies: 12
Views: 593

Re: Home ownership for unmarried couple

DW and I owned a house before we were (legally) married, but the house was titled in her name and would have belonged to her had we broken up. We have since legally married, but the title is still in her name and the house would presumably belong to her if we broke up, although we seem to be doing f...
by TomatoTomahto
Sat Feb 06, 2016 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4902

Re: Public school or private school (with school data)

NMF percentages don't count for that much, in my book. Here's something that does matter to me. When my younger son decided that he wanted to attend the private for middle school, I thought we were set for schooling with our public. But, since youngest was saying that the school was "awesome,&q...
by TomatoTomahto
Fri Feb 05, 2016 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Uber driving for extra income in retirement.
Replies: 31
Views: 3155

Re: Uber driving for extra income in retirement.

OK I lied ... money is really not the only objective. I miss the level of social interaction that employment provided. Also one of my biggest fears in retirement is turning into a couch potato. I've been thinking about this. As the kids go off to school (last one next year), I think I will find mys...
by TomatoTomahto
Fri Feb 05, 2016 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Uber driving for extra income in retirement.
Replies: 31
Views: 3155

Re: Uber driving for extra income in retirement.

I drive for Uber and enjoy it very much! It gets me out of the house and I meet new people which I like. I only work a couple of hours a day and rarely after 5:00PM. I am 76 years old and am in relatively good health. I could see doing this for the reasons you mention. I drove a cab while in colleg...
by TomatoTomahto
Thu Feb 04, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4902

Re: Public school or private school (with school data)

I double checked the school profile documents, the AP numbers are correct. Yes, it is strange that there is almost no difference between the public and private AP results. The AP scores were "3 or higher." It would be of interest to know the breakdown. There's quite a bit of difference be...
by TomatoTomahto
Thu Feb 04, 2016 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Clueless college new grad 22 yo, 200k income looking to start saving
Replies: 143
Views: 11294

Re: Clueless college new grad 22 yo, 200k income looking to start saving

Welcome to the forum and best wishes. You are doing better than most people on the planet. I'm a millennial too and your thin skin for constructive criticism is not helpful. This board has saved me thousands of dollars in my short time here. Check out mrmoneymustache, you literally can quit at 30 a...
by TomatoTomahto
Wed Feb 03, 2016 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Child Support and taxes
Replies: 29
Views: 1239

Re: Child Support and taxes

He is trying to turn his life around. You might have him in an uncomfortable position as regards court, and your daughter is still too young to understand, but I sincerely suggest that you take the high road. I did, and thought I was a loser because not only did I pay extortionate amounts of child s...
by TomatoTomahto
Wed Feb 03, 2016 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Clueless college new grad 22 yo, 200k income looking to start saving
Replies: 143
Views: 11294

Re: Clueless college new grad 22 yo, 200k income looking to start saving

I heed the advice to delay buying a home. I'm actually fine with renting and waiting, it's just I like my area and I predict a cool down in the market by the time I have the down payment ready. The Silicon Valley area is posed to being a fast growth area for at least the next twenty years given the...
by TomatoTomahto
Wed Feb 03, 2016 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Clueless college new grad 22 yo, 200k income looking to start saving
Replies: 143
Views: 11294

Re: Clueless college new grad 22 yo, 200k income looking to start saving

I expect my college sophomore will be graduating with an income similar to yours. I can't speak to his marital plans at that time, but some advice I would give him if his plans were like yours: 1. Don't rush to buy a house. Rent. When you're young, the ability to go where the intriguing job opportun...
by TomatoTomahto
Mon Feb 01, 2016 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4902

Re: Public school or private school (with school data)

Students can take the AP subject exams without taking any course on the subject. In our local high schools, quite a few students "self-study" and do quite well on these exams. This is especially true for subjects where no formal course is offered. These kids work hard on their own. Iirc, ...
by TomatoTomahto
Mon Feb 01, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4902

Re: Public school or private school (with school data)

I double checked the school profile documents, the AP numbers are correct. Yes, it is strange that there is almost no difference between the public and private AP results. The AP scores were "3 or higher." It would be of interest to know the breakdown. There's quite a bit of difference be...
by TomatoTomahto
Mon Feb 01, 2016 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4902

Re: Public school or private school (with school data)

How does one locate the college matriculation results of the public high school? I'm curious now. In our case, Google gave the results up pretty quickly for the public. I really did try all sorts of googling combinations before I asked! I wasn't actually intending my response to sound as snarky as ...
by TomatoTomahto
Sun Jan 31, 2016 8:44 pm
Forum: Forum Issues and Administration
Topic: Maintaining anonymity and privacy [in this forum]
Replies: 22
Views: 3520

Re: Maintaining anonymity and privacy [in this forum]

I think that anybody with too much time on their hands could probably get my name and address out of my posts with some clever Googling. I think the number of people interested in doing this is ... 0.
by TomatoTomahto
Sun Jan 31, 2016 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4902

Re: Public school or private school (with school data)

Remember though, if your children have excellent grades (we hope), for top notch schools, so does everyone else applying. The differentiator is what have they done outside academics that sets them apart and enriches their lives and application. Some of the larger top notch schools (UMichigan, for e...
by TomatoTomahto
Sun Jan 31, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4902

Re: Public school or private school (with school data)

kir_royale wrote:How does one locate the college matriculation results of the public high school? I'm curious now.


In our case, Google gave the results up pretty quickly for the public.
by TomatoTomahto
Sun Jan 31, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4902

Re: Public school or private school (with school data)

5% over what? Academic improvement over the public school? That's a tough thought experiment since schools can boast all they like, but none can say they will "give kids an x% improvement" in any area. that's why I said "however you measure" improvement. It was a thought experim...
by TomatoTomahto
Sun Jan 31, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4902

Re: Public school or private school (with school data)

IMHO your childrens' achievements are far more dependent on you and themselves than on the choice of schools. Gifted (and non-gifted) children can excel in a good public school, and spending that kind of money on private school would be a waste (again, in my opinion). I agree wholeheartedly with th...
by TomatoTomahto
Sun Jan 31, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4902

Re: Public school or private school (with school data)

There is no way I would pay more for middle school/high school tuition than what college costs, especially when you live in a top public school district. Not to mention that you are already paying a premium for your home because it is in that top district and you pay taxes for public schools too. T...
by TomatoTomahto
Sun Jan 31, 2016 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4902

Re: Public school or private school (with school data)

there is a reason teachers line up trying to become a teacher at this school... although the financial benefits and work hours are better at the public school. The most influential teachers my kids had were teaching at the private after successful careers elsewhere (Wall Street, Bell Labs, a chemic...
by TomatoTomahto
Sun Jan 31, 2016 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4902

Re: Public school or private school (with school data)

There is a lot of peer pressure on the children and the parents to opt for private schools. I know there was in my area and it only gets worse for college choices. I saw a number of couples that could hardly afford it send their children to private grammar and high schools my guess is because of pe...
by TomatoTomahto
Sat Jan 30, 2016 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4902

Re: Public school or private school (with school data)

I made close friendships with people well outside my socioeconomic sphere. Those experiences helped me learn how to communicate with, and get along with, all kinds of people. I like to think that in some way, going to public school made me a better physician. In our public school, there is almost n...
by TomatoTomahto
Sat Jan 30, 2016 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4902

Re: Public school or private school (with school data)

The cost of the private school increases from $25,000 in 6th grade to $30,000 in 12th grade. Dear falcon, Holy cow. Unreal cost. I literally had my DW double check and we both gasped! I barely paid that much for medical school per year! My kids' school's tuition is $38k for 6-12. It is roughly the ...
by TomatoTomahto
Sat Jan 30, 2016 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4902

Re: Public school or private school (with school data)

We are also in an affluent community with a top-ranked public that, for the most part, does well by its students. In my son's case, he was a late bloomer, and the public had him "tracked" as an average student during middle school. Apparently, once tracked, the public doesn't reevaluate. H...
by TomatoTomahto
Fri Jan 29, 2016 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advisor/Planner for 1.5M Portfolio
Replies: 29
Views: 2815

Re: Need Advisor/Planner for 1.5M Portfolio

I have a $1.5M portfolio and do it myself. I found this forum in early 2015 when I had an advisor. She was a really nice indepedent advisor who was a buy & hold advisor....but we were paying about $11K/year with a 1x/year meeting. So...I moved all the funds to a Vanguard account and do them mys...
by TomatoTomahto
Fri Jan 29, 2016 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Two spenders and buying a house
Replies: 43
Views: 3835

Re: Two spenders and buying a house

...I bought the house you are describing, except I have horses and intend to grow hay and a handy husband. Please don't tell my wife that it's possible to grow a handy husband or she'll kick me to the curb and grow a handy husband the next time. :twisted: OP, sounds great. Do your due diligence; I ...
by TomatoTomahto
Fri Jan 29, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Hi every one i have a question about the finance
Replies: 19
Views: 1453

Re: Hi every one i have a question about the finance

I never finished my dissertation. Is there a website/app for that?
by TomatoTomahto
Tue Jan 26, 2016 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Most anticipated retirement purchase
Replies: 107
Views: 7028

Re: Most anticipated retirement purchase

I'm retired but my wife isn't, so "we're" not retired, but nevertheless 2 retirement purchases I'm anticipating: 1. My father was born in 1908, in the month when the first Model T was manufactured. He was a pilot who loved reading maps, always had a compass in his cars, and unfortunately d...
by TomatoTomahto
Mon Jan 25, 2016 11:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is YDNAL?
Replies: 49
Views: 6317

Re: Where is YDNAL?

During the time when sscritic wasn't posting but was still available via PM, he and I exchanged some messages. His posts didn't always show what a mensch he is, but his PMs were infused with menschlichkeit.

I also miss YDNAL.
by TomatoTomahto
Mon Jan 25, 2016 2:06 pm
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 3340

Re: What 55" TV to Buy

I paid a bit of a premium for a Panasonic plasma because I preferred its image quality at the time I was shopping. A couple years later I also bought the last of the Panasonic plasmas because of that preference. The market has changed since then but if I was shopping today I'd have to consider my p...
by TomatoTomahto
Mon Jan 25, 2016 8:13 am
Forum: Investing - Help with Personal Investments
Topic: I Bonds
Replies: 27
Views: 2911

Re: I Bonds

I love the idea of I-Bonds, but I refuse to hold one penny at Treasury Direct, the worst customer service experience I have ever encountered, staring with its website, and down from there. STARTING with the website?! I've literally never once had to deal with a human BEYOND the website. I created a...
by TomatoTomahto
Sun Jan 24, 2016 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: quicken 2016 upgrade DONT!
Replies: 15
Views: 1336

Re: quicken 2016 upgrade DONT!

Upgraded from 2015 to 2016 a few weeks ago. No problems at all. FWIW, - Ron Ron, if you don't mind my asking, what features made you upgrade? I have 2015 also, and it doesn't seem that 2016 has much in the way of improvements. 2015 often crashes during daily updates; if that's fixed I'd probably do...
by TomatoTomahto
Sun Jan 24, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: High income earners and retirement budget?.
Replies: 37
Views: 4277

Re: High income earners and retirement budget?.

+1 for ESPlanner and consumption smoothing.
by TomatoTomahto
Sun Jan 24, 2016 9:50 am
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 3340

Re: What 55" TV to

... I have yet to hear anyone who says that Samsung's have a better picture than LGs 4k OLEDs. You walk into a store and they clearly have the best picture. Of course they are also go for like 7k. You pay a lot to go from very good to the best. You do pay a lot to go from very good to the best, but...

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