Search found 7501 matches

by TomatoTomahto
Tue Oct 23, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 49
Views: 1882

Re: When Will Attaining Millionaire Status Be Obsolete?

I remember when the state lotteries started, with a prize of a million dollars, paid out in 20 payments of $50,000. People, even young people, considered themselves “set for life” if they won. While it’s better than a stick in the eye, how lucky would you feel today winning that prize? Note that the...
by TomatoTomahto
Tue Oct 23, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 39
Views: 2367

Re: Canada Goose Jacket

Typical heavily branded overpriced status symbol. You can get same or actually better high quality winter parka from Mountain Hardware, Marmot, or North Face for half the price. I guess it's all right when an adult buys one with their own funds, but my son tells me that at Yale, students wearing Ca...
by TomatoTomahto
Tue Oct 23, 2018 5:52 am
Forum: Personal Finance (Not Investing)
Topic: paying for college. work level options
Replies: 17
Views: 909

Re: paying for college. work level options

NPC definition? Net Price Calculator. Net Price is the amount that a student pays to attend an institution in a single academic year AFTER subtracting scholarships and grants the student receives. Scholarships and grants are forms of financial aid that a student does not have to pay back. Most scho...
by TomatoTomahto
Mon Oct 22, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 61
Views: 3077

Re: Why are Carbon Offset Credits so cheap?

It's much harder to incentivize good behaviour because of the surplus problem (I would have done this anyways, now I get paid to do it as well!). Still, it has to be said, that I appreciate the various government incentives for my geothermal installation, which will be approximately 40% of the cost...
by TomatoTomahto
Sun Oct 21, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 5624

Re: Pull kids from school for vacations?

The school attendance problems are most frequent at either end of the privilege scale. In low-income families the disruptions are more difficult to repair in math class but they are often attributable to serious family disruptions that are difficult to avoid. At the upper end of the income scale, t...
by TomatoTomahto
Sun Oct 21, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 5624

Re: Pull kids from school for vacations?

Iirc, we never pulled our kids out when they attended the same school. There was a short period where they attended schools with different schedules, and I think we probably had one of them miss a couple of days. Regarding the financial aspect of truancy to the school: Dawn breaks over Marblehead! M...
by TomatoTomahto
Sat Oct 20, 2018 6:38 am
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 12783

Re: What time do you get up in the morning?

Personally for me drinking coffee is something that’s part of my morning breakfast routine so I can’t imagine why I would want to lie around drinking it in bed regardless of who fetches it. Not to mention it seems unhygienic; I don’t eat in my bedroom or bathe in my kitchen etc. This is often prese...
by TomatoTomahto
Fri Oct 19, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5386

Re: Jury duty - already booked vacation

This is not directed at the OP who has a legitimate reason for a deferral, but I find nearly all the responses disappointing in either substance or tone. For all the blessings we receive as Americans and considering that so many have given everything to preserve this republic, really the only civic...
by TomatoTomahto
Fri Oct 19, 2018 6:22 am
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5386

Re: Jury duty - already booked vacation

2. While illegal, my then-boss made it clear that she considered me a waste of space, because “any idiot can get out of jury duty.” It was easier to just get a new job than talk to her about civic duty. I was curious if anything interesting came up in the dozens of comments that followed the OP sta...
by TomatoTomahto
Wed Oct 17, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5386

Re: Jury duty - already booked vacation

Service as a juror is both a civic duty and an honor, and should be gladly accepted as such when possible. It can also be an eye-opening and pleasurable experience. At least it always was for me. I generally agree, except for the one time I served on a grand jury. It was a while ago, but iirc it wa...
by TomatoTomahto
Tue Oct 16, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on Kai-Zen premium finance life insurance plan
Replies: 19
Views: 1380

Re: Feedback on Kai-Zen premium finance life insurance plan

Gosh, when you put it that way, David Jay, where do I sign up?

By the way, we are a friendly forum and try to help everyone, but I don’t think you (or I) have to apologize for snark directed at a product, not at a forum member.
by TomatoTomahto
Sun Oct 14, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: trip to Grand Cayman & dieting [while on vacation]
Replies: 40
Views: 2677

Re: trip to Grand Cayman & dieting

Like Cycle, I intermittent fast, and was doing so on my trip to GC. Coffee for breakfast, water or iced tea to drink on the beach, and then eat like there’s no tomorrow for dinner.
by TomatoTomahto
Sun Oct 14, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: trip to Grand Cayman & dieting [while on vacation]
Replies: 40
Views: 2677

Re: trip to Grand Cayman & dieting

There are many great dining opportunities in Grand Cayman, and the portion sizes are not usually excessive. If you can, make a reservation at The Brasserie. It is so much better than the name sounds. It’s a Farm to Table restaurant, out of the way, but after resisting a friend’s recommendation for a...
by TomatoTomahto
Sun Oct 14, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Feedback on Kai-Zen premium finance life insurance plan
Replies: 19
Views: 1380

Re: Feedback on Kai-Zen premium finance life insurance plan

I would love to get feedback from Boogleheaders who have used this kind of plan in the past or currently in process of taking it. That’s going to be a very small group. BHs typically don’t invest in things they don’t understand, and those policies are intentionally impossible for mere mortals to un...
by TomatoTomahto
Sat Oct 13, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 49
Views: 3358

Re: Lost Power for 24 hours - what food to toss?

Your parents eggs are not like eggs today from a store (which are probably weeks old before they arrive at the store). I'll say. Parents eggs need to be frozen. https://www.pacificfertilitycenter.com/treatment-care/fertility-preservation-egg-freezing . Be sure to discard if not following those guid...
by TomatoTomahto
Sat Oct 13, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3437

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

I have snows on 19” and 3-seasons on 20” for one car. Not a problem.

After 60+ years driving on regular tires in the winter, well-enough, I won’t go without snow tires in the Northeast again. Nor will my immediate family.
by TomatoTomahto
Fri Oct 12, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 49
Views: 3358

Re: Lost Power for 24 hours - what food to toss?

Eggs should be just fine. When I was a kid, my parents raised chickens in our backyard and we never ever refrigerated eggs even in hot summer days. If you wash the eggs (and store-bought eggs are washed), you should refrigerate. Unwashed eggs can be kept on the counter. Your parents eggs are not li...
by TomatoTomahto
Fri Oct 12, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7444
Views: 1558056

Re: U.S. stocks in freefall

husky1055 wrote:
Fri Oct 12, 2018 8:55 am
[snip]... spat with China seemed to be in our favor...
I think it's apolitical to point out that there really are no winners in a trade "spat," no matter who is spinning the story.
by TomatoTomahto
Fri Oct 12, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 95
Views: 8310

Re: When will you backup the truck on stocks

If stocks go down 90%, I will back up my truck. I mean, literally, I will sell our car, and buy stocks. It’s easy to think like this when the markets have been outperforming, but I wonder if you have the guts to really do this when times get tough. I’m thinking if the market is down 90%, there has ...
by TomatoTomahto
Thu Oct 11, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7444
Views: 1558056

Re: U.S. stocks in freefall

For reasons having nothing to do with timing the market (selling our old house and waiting for the closing), we will have a good deal of cash in a month or two. I feel a bit like a kid whose allowance is coming in just as a favorite video game is going on sale.
by TomatoTomahto
Thu Oct 11, 2018 3:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7444
Views: 1558056

Re: U.S. stocks in freefall

I can afford to hold on for longer, but not sure how my nerves hold out if it hits 10% or more, might be tempted to [leave --admin LadyGeek] and look to get back in on the way up... Many old timers on this forum know of people who felt as you do, and who never could get it together to "get back in ...
by TomatoTomahto
Thu Oct 11, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Feeling Guilt among family/peers
Replies: 42
Views: 5184

Re: Feeling Guilt among family/peers

Don’t feel guilty. Read some Ayn Rand, be proud, don’t compare yourself to others....goes for those above AND below your finances. You earned it through hard work, perhaps ingenuity, or just simple elbow grease. Either way, your successes are no ones but your own. Same goes for failures. Same goes ...
by TomatoTomahto
Thu Oct 11, 2018 8:44 am
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 95
Views: 8310

Re: When will you backup the truck on stocks

goblue100 wrote:
Thu Oct 11, 2018 8:26 am
Kenkat wrote:
Wed Oct 10, 2018 6:44 pm
When it’s time to back up the truck, things will look bad enough that you are not going to want to back up the truck.
Best answer in the thread. I don;t think there were many "back up the truck" threads on the forum in late 2008 and early 2009.
Most of the trucks got repossessed.
by TomatoTomahto
Wed Oct 10, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 95
Views: 8310

Re: When will you backup the truck on stocks

When I have cash, I invest it.
by TomatoTomahto
Tue Oct 09, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4538

Re: Should I, and how, act on changes in managing diet and health?

I don’t think that Type 2 diabetes will disappear, but I wonder if it might become less profitable for pharmaceutical companies. Probably not. I've been working the NIH's (?) Type 2 prevention program for more than 1 1/2 years. Simple plan. Eat less, exercise more. Or, calories out > calories in. N...
by TomatoTomahto
Mon Oct 08, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6832

Re: Got my new Iphone Xs

Further, there's a lot more to the overall screen quality than its resolution. There are plenty of phones with higher resolution displays that are widely regarded as having inferior overall screens. Which is why some of us have spent a lot of money on OLED for our homes. OLED is all about the color...
by TomatoTomahto
Sun Oct 07, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4538

Re: Should I, and how, act on changes in managing diet and health?

Food consumption is not altering my index investing. Nor mine, and I guess I don't have the energy and gumption to figure out a good way to invest a 5% mad money stash. It's especially inappropriate for me since I'm not allowed to go short, and that's a good thing: I might have gone short Weight Wa...
by TomatoTomahto
Sun Oct 07, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4538

Re: Should I, and how, act on changes in managing diet and health?

So, do you think that the effects will be felt in a substantial way by companies? How would I invest if I thought that the effects will be actionable? Am I tripping in thinking that this will be anything more than a trickle of people changing how they live? The big question is why you think these p...
by TomatoTomahto
Sun Oct 07, 2018 7:15 am
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4538

Re: Should I, and how, act on changes in managing diet and health?

TomatoTomahto - I found this post pretty interesting, as I am essentially doing everything you are and have wondered about whether this could have investment implications. The diet side of this is not something I can get behind as an investment opportunity. Diets are too transitory/faddish. I do li...
by TomatoTomahto
Sun Oct 07, 2018 7:05 am
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4538

Re: Should I, and how, act on changes in managing diet and health?

I would like to thank all of you, especially SoAnyway, for reminding me to buy the haystack and not the needle. The reason that I didn’t buy Amazon directly is because I remembered having bought DEC (whose OS, VMS, is still better than these new fangled OSes, so get off my lawn). Ditto Beta vs VHS. ...
by TomatoTomahto
Sat Oct 06, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4538

Re: Should I, and how, act on changes in managing diet and health?

I would not change my investments based on any small trends in this area given the emphasis in our culture on eating out and junk food. Fwiw, I wouldn’t make this any more than 5% of our equity stake. The reason i think this particular way of life has staying power is how profound the change is. To...
by TomatoTomahto
Sat Oct 06, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7444
Views: 1558056

Re: U.S. stocks in freefall

Ah, how I would wish we get a nice 20%+ drop in the next 3-4 months. We will. Rest assured. What is your plan when that happens? I work in a counter-cyclical industry. The recession will boost my total compensation, I will get to buy stocks cheaper, and the net result will probably better retiremen...
by TomatoTomahto
Sat Oct 06, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4538

Re: Should I, and how, act on changes in managing diet and health?

Look at the garbage people get in line at the grocery store. Look at the average weight of Americans. There is an insatiable demand for junk food in the us. That won't change anytime soon. Okay, maybe I should rephrase the question. Let’s say that 5% of previously bad eaters succeed in changing the...
by TomatoTomahto
Sat Oct 06, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4538

Re: Should I, and how, act on changes in managing diet and health?

Travel the US more and survey the physiques and eating habits of other people. The vast majority of people I see are obviously not in step with you. If I were to invest on that basis, I would take the exact opposite side of what you are considering. I agree with the suggestions not to base your inv...
by TomatoTomahto
Sat Oct 06, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4538

Re: Should I, and how, act on changes in managing diet and health?

These diets are not affordable enough for it to go mainstream. Perhaps not, but with Intermittent Fasting (IF) (e.g., one meal per day) or Extended Fasting (EF) (2,3,4,5 day fasts) they are pretty affordable. I don't think I spend more on groceries today than I did 2 years ago. That said, I don't e...
by TomatoTomahto
Sat Oct 06, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4538

Re: Should I, and how, act on changes in managing diet and health?

Save more money. You will live longer. Recalculate your SWR. :wink: When I was in medical school, our witty epidemiologist professor once opined, "the thing about diets is that they may not make you live any longer, but they may make you feel like you have". I don't discount the importance of avoid...
by TomatoTomahto
Sat Oct 06, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4538

Re: Should I, and how, act on changes in managing diet and health?

These diets are not affordable enough for it to go mainstream. Perhaps not, but with Intermittent Fasting (IF) (e.g., one meal per day) or Extended Fasting (EF) (2,3,4,5 day fasts) they are pretty affordable. I don't think I spend more on groceries today than I did 2 years ago. That said, I don't e...
by TomatoTomahto
Sat Oct 06, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4538

Should I, and how, act on changes in managing diet and health?

I am not planning on changing my overall investment strategy (i.e., a Liability Matching Portfolio) with my equity portion mostly in Total Stock Market and Total International Stock Market. I am not generally an investor in individual shares. I recently realized that I have frequently “missed” oppor...
by TomatoTomahto
Fri Oct 05, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: can i start a private investment firm?
Replies: 70
Views: 5143

Re: can i start a private investment firm?

Fwiw, wife and son have passed various FINRA exams. Just requires some studying. It’s not rocket science. I think the requirements to cut hair are more stringent :mrgreen: :mrgreen: Well, that’s entirely appropriate; someone could lose an ear getting an amateur haircut! More seriously, OP, assuming...
by TomatoTomahto
Fri Oct 05, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Learned some lessons... back for fresh approach
Replies: 17
Views: 2155

Re: Learned some lessons... back for fresh approach

What are folks doing for fixed income investments? Just seems like an area where it might make sense to have an active investor finding the right tax free municipal bonds and watching for issuances. Just not sure how I could keep an eye on that passively or use a fund to do it? You could make thing...
by TomatoTomahto
Fri Oct 05, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Fall Foliage
Replies: 29
Views: 2304

Re: Fall Foliage

This is our first Fall in our new house near Boston. The first few trees are showing color now. I think it will be spectacular shortly :D
by TomatoTomahto
Fri Oct 05, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: can i start a private investment firm?
Replies: 70
Views: 5143

Re: can i start a private investment firm?

Welcome to the forum. What do you mean by "start a private investment firm"? Some forms require very little in the way of licenses or registration. You could be a independent consultant, writing reports for hire. What is your specialty? A "financial coach" does not require anything - then again it ...
by TomatoTomahto
Fri Oct 05, 2018 7:04 am
Forum: Investing - Help with Personal Investments
Topic: 47yo funded college, paid house, maxed retirement...now what?
Replies: 22
Views: 2767

Re: 47yo funded college, paid house, maxed retirement...now what?

Just keep saving/investing in taxable. You never know, it could come me in handy some day. Kids might want to do med/law/MBA/PhD. What we did is to put a substantial amount into fixed income, mostly in tax deferred accounts. Everything else, including new money, returns on existing assets, etc we pu...
by TomatoTomahto
Wed Oct 03, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Dentist bill came 4-5 months later, is this unreasonable?
Replies: 28
Views: 2240

Re: Dentist bill came 4-5 months later, is this unreasonable?

Are they charging you interest for being “overdue?” If not, I’d let it go. Their software probably just looks at Date-of-Service and Date-bill-printed and voila. As far as “a few” emergency visits? You got away cheaply. The office had to be available, your wife examined for a non-zero amount of time...
by TomatoTomahto
Tue Oct 02, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: My bank and absurd policy for "no fee"
Replies: 51
Views: 4260

Re: My bank and absurd policy for "no fee"

greg24 wrote:
Tue Oct 02, 2018 1:44 pm
How about you keep $1000 in the account?
WHAT!?!? And miss the opportunity for righteous indignation?

I agree that the direct deposit per month rule is stupid. So, vote with your feet, or keep $1000 in the account.
by TomatoTomahto
Tue Oct 02, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6832

Re: Got my new Iphone Xs

Momus wrote:
Tue Oct 02, 2018 12:43 pm
Baldrekr wrote:
Tue Oct 02, 2018 12:34 pm
Momus wrote:
Sat Sep 29, 2018 7:54 pm
It's funny my comment got deleted
1/3 of your comments on bogleheads are some variation of "iphone sucks!!!" so I'm not surprised.
That's pretty much THE conclusion after the facts.
Good grief! What do you add to the discourse? It’s a bit like the broken records on Tesla.
by TomatoTomahto
Mon Oct 01, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Preparing a Net Worth Statement
Replies: 15
Views: 1880

Re: Preparing a Net Worth Statement

I keep home at cost, investment accounts @FMV. I ignore anticipated tax on unrealized gains and deferred income because I don't know what tax rate I'll be assessed at withdrawal. KISS works for me. YMMV Yes. Realistically, net worth is ammunition I can throw my wife’s way to tell her it’s okay to r...
by TomatoTomahto
Mon Oct 01, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Getting quotes for geothermal
Replies: 33
Views: 2338

Re: Getting quotes for geothermal

OK fair enough. At least be a good Boglehead and get three quotes. :sharebeer Well, almost. I did get two quotes, and contacted a few more companies that I ruled out just based on their telephone demeanor. I got lots of personal reviews from engineers, neighbors, and architects. The company I selec...
by TomatoTomahto
Mon Oct 01, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Preparing a Net Worth Statement
Replies: 15
Views: 1880

Re: Preparing a Net Worth Statement

How are you reflecting unrealized capital gains and tax deferred holdings? I don’t make a science of it, but Quicken is set up to value our actual portfolio without adjustment for tax status. Our “net worth” chart includes unvested but granted RSUs, and the totality of our portfolio regardless of t...