Search found 7209 matches

by TomatoTomahto
Sat Jun 23, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 100
Views: 7004

Re: Did you celebrate when you finally hit $1m?

Also, I've had it in my head for many many years that once I hit my $1m mark, I plan on spending around 15-20% of that years interest on family (possibly more I'm undecided), I have a lot of family struggling. Whether it's providing them with something nice or a much needed getaway, that's one of t...
by TomatoTomahto
Sat Jun 23, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 100
Views: 7004

Re: Did you celebrate when you finally hit $1m?

On a side note, I've always thought this is an important physiological milestone, however it doesn't mean much in the grand scheme of things. Does hitting $1m actually cause biological or physical effects, and if so what are the most prevalent body functions effected? Or maybe you meant psychologic...
by TomatoTomahto
Fri Jun 22, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: "Valuing" the costs of direct indexing
Replies: 5
Views: 475

Re: "Valuing" the costs of direct indexing

Do not let the tax (loss harvesting) tail was the investing dog.
by TomatoTomahto
Fri Jun 22, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 116
Views: 20544

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

I just ordered, and estimated delivery is June 29. I’m Amazon prime. Are the slower deliveries not Amazon prime members?
by TomatoTomahto
Fri Jun 22, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: “Buying the Dividend”
Replies: 14
Views: 1333

Re: “Buying the Dividend”

As dividend season is upon us, just wanted some clarification regarding the dreaded “buying the dividend”. Re: taxable accounts - How long before or after a dividend is issued is it “safe” to buy more shares of a fund? If one does the math, it may be better to buy the dividend. That is, it should n...
by TomatoTomahto
Fri Jun 22, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 149
Views: 9609

Re: What is/ was your career and would you recommend it now?

Stay-at-home-Dad (SAHD) since 2001. Recommended. Pre-2001. Software developer, systems programmer, systems architect, software development manager, etc. Recommended if you bring something special to the table, not if you’re just a code monkey. I made decent money before 2001, and would be considered...
by TomatoTomahto
Fri Jun 22, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Anyone use a WiFi enhancement product?
Replies: 14
Views: 1081

Re: Anyone use a WiFi enhancement product?

If the room(s) in question have Coax, try Moca 2 adapters (basically, Ethernet over coax). I have had great results with it; It’s basically like pulling ethernet cables to the room. In my case, I put some wireless access points in the rooms, but you could put a mesh system with ethernet backhaul the...
by TomatoTomahto
Tue Jun 19, 2018 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Messy Divorce -- Forensic Accounting Help....
Replies: 120
Views: 9753

Re: Messy Divorce -- Forensic Accounting Help....

You know the saying that "nobody ever wins a fight with a toddler?" You can't win an argument with a toddler. You can absolutely win a fight with a toddler. In fact, according to this diagnostic , I could win a fight with 31 toddlers :D A fight is exactly what OP has on his hands. Yes, you’re right...
by TomatoTomahto
Tue Jun 19, 2018 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Messy Divorce -- Forensic Accounting Help....
Replies: 120
Views: 9753

Re: Messy Divorce -- Forensic Accounting Help....

You know the saying that "nobody ever wins a fight with a toddler?" Well, nobody ever wins a fight with a Borderline Personality Type, either. I am truly sorry that you've been so betrayed, but if she did it to family and lovers, well, hell, you're just a husband. Walking away is the best thing you ...
by TomatoTomahto
Tue Jun 19, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 129
Views: 7262

Re: gray hair

Ha! I've recently given in and started dying my hair. But I am also female. I work with a 70 year old woman who looks 50. And I also work with a 70 year old woman who looks ... well, she looks 70. I choose 50! (when I'm 70) That being said, men should let it go grey (or bald). My dad dyes his hair ...
by TomatoTomahto
Tue Jun 19, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 129
Views: 7262

Re: gray hair

Years ago, i had a personal trainer; a youngish guy, wide shouldered, exceptionally fit, with a young and beautiful wife. I’m oblivious, but one day someone else at the gym mentioned his toupee, and once i saw it, I couldn’t unsee it. This trainer was always bloviating about personal responsibility,...
by TomatoTomahto
Tue Jun 19, 2018 6:39 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter
Replies: 338
Views: 70923

Re: Master Thread for Metro Boston's Chapter

I might as well join the thread, as I’ve recently moved to MA, and will try to attend in September.
by TomatoTomahto
Mon Jun 18, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 57
Views: 3745

Re: "distilled" water for wife's CPAP machine

dm200 wrote:
Mon Jun 18, 2018 5:08 pm
OK - better to be "beaten up" here than by my wife ;)

I will say nothing :)
While you’re at it, buy her a cleaner (I think the name is SoClean2). Runs a 10 minute ozone cleaning of the hose, mask, and reservoir every day.
by TomatoTomahto
Mon Jun 18, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 7504

Re: Which Supermarket are you?

canderson wrote:
Sun Jun 17, 2018 5:57 pm
We pass six other grocers on our 15 mile drive to Wegmans every Friday night.

It is the best grocery store in this country.
It recently came to Natick, Mass., and I can’t disagree with you. I don’t shop there exclusively, but I often pass a much more conveniently located Roche Brothers.
by TomatoTomahto
Mon Jun 18, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4454

Re: African Safari: Worth it or Hype?

We were watching a female lion and her cubs stalk a pack of buffalo close to sunset, one of the few times we were on the main roads. The tourists not staying at the lodge had to leave just as the action was heating up. Also most of the time we were on roads or paths in an off-roading vehicle that n...
by TomatoTomahto
Sun Jun 17, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: wetlands permit for septic system replacement
Replies: 10
Views: 776

Re: wetlands permit for septic system replacement

Our experience in Massachusetts, The house failed Title V (I guess septic regs), and the previous owner entered into a contract with the septic company and put another $x in escrow. They got the permits, and surprise!, the town insisted on a 7-bedroom septic. There are 4 legitimate bedrooms in our h...
by TomatoTomahto
Sun Jun 17, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 7504

Re: Which Supermarket are you?

I guess I’m an outlier. I’m not incredibly pro-organic, but I have a local meat share (Walden) for grass-feed beef and pastured proteins, I get local eggs at a farm stand, and shop for whatever I can’t get from local stands at Wegman’s, Roche Bros, Trader Joes, or (very seldom) Whole Foods. What I s...
by TomatoTomahto
Sun Jun 17, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4454

Re: African Safari: Worth it or Hype?

It definitely depends on you. The idea that seeing animals in a zoo is as good as in the bush in Africa is unfathomable to me. If that is you don't waste your time and money. This reminds me of those people who insist that they can’t tell the difference between Standard Definition TV and High Defin...
by TomatoTomahto
Sat Jun 16, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4454

Re: African Safari: Worth it or Hype?

It definitely depends on you. The idea that seeing animals in a zoo is as good as in the bush in Africa is unfathomable to me. If that is you don't waste your time and money. This reminds me of those people who insist that they can’t tell the difference between Standard Definition TV and High Defin...
by TomatoTomahto
Sat Jun 16, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4454

Re: African Safari: Worth it or Hype?

We went to Mala Mala a decade ago. It was bested only by our trip to the Galapagos. Mala Mala is pricey, but worth it IMO. Bring the best camera you can get your hands on.
by TomatoTomahto
Sat Jun 16, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 5711

Re: Anyone with a paid off house drop homeowners insurance

We bought our house for cash. Chubb assessed the rebuilding cost to be 2x what we bought the house for. Is that larceny? I tend not to think so, since it would be very difficult to rebuild it the way it is: a lot of structural fieldstone (i.e., not just stone facade), lots of intricate and custom mo...
by TomatoTomahto
Thu Jun 14, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3568

Re: Non-alcoholic drinks for wedding

People who can't handle a dry wedding have bigger issues than can be addressed by the bride and groom. This. its not about people not being able to handle a dry wedding, but the simple fact that many people become more happy/loose/festive with a little spirit in them which can give an infectious en...
by TomatoTomahto
Thu Jun 14, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3568

Re: Non-alcoholic drinks for wedding

If I were a guest, I’d really appreciate unsweetened iced tea. I don’t drink alcohol, and other than coffee or water, it’s my go-to drink when I’m out.
by TomatoTomahto
Wed Jun 13, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: How and when do you decide to do Tax Loss Harvesting?
Replies: 47
Views: 4756

Re: How and when do you decide to do Tax Loss Harvesting?

Fwiw, I'm a bit of an outlier around here, but I don't TLH short term losses. That's a bit too market timey seeming for me. Tbh, I don't TLH long term losses too often either, because I don't have many. :sharebeer I know this is an older post (but thread was revived) but what is your rationale? A s...
by TomatoTomahto
Wed Jun 13, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 8646

Re: Getting killed on taxes - any ideas?

[snip...] I feel no hostility or jealousy and don’t think that you’re “humble bragging.” Heck, I might be one of those that JBTX is referring to posting about 7 digit incomes, except that I’m factual: neither humble nor bragging. As he "factually" mentions his 7 digit income in someone else's threa...
by TomatoTomahto
Wed Jun 13, 2018 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 8646

Re: Getting killed on taxes - any ideas?

6) Don't let the tax tail wag the dog. Don't take actions simply to avoid taxes. The fact that you have to pay high taxes is an indication that you have high income, and that's not a bad thing. Do what you can to minimize the taxes, but having high income is better than having low or no income I fe...
by TomatoTomahto
Mon Jun 11, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Balancing the Burden and the Benefit of Wealth
Replies: 11
Views: 1491

Re: Balancing the Burden and the Benefit of Wealth

Effective Altruism. I only learned about this the other week when The Economist mentioned 80,000 Hours. Very interesting stuff as I had not heard or read anything like that with regards to charity. It made me think harder about what impact I could make. I learned of it because of the debate between...
by TomatoTomahto
Sun Jun 10, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 222
Views: 31323

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

What is the benefit to your wife's continued employment in the industry? I understand your point and in a way I sympathize with it but it is not Vanguard's problem. It is the failure of your wife's employer to find a way to accommodate their employees needs for investment. So they could add Vanguar...
by TomatoTomahto
Sun Jun 10, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 222
Views: 31323

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

In any case the key to compliance would be widespread availability of Admiral fund shares at other brokerages. An e/r of 10 is great but 20 should not be a deal breaker. Still, from my perspective (and I realize that my view might be different from yours), 10 basis points would cost me, round numbe...
by TomatoTomahto
Sun Jun 10, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 222
Views: 31323

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

People are making things up and nit-picking about inconsequential changes in order to try to justify keeping archaic mutual fund platforms. We have a mid 7 digit amount in Admiral class shares, with low 7 digit capital gains. My wife’s employer “grandfathered” Vanguard mutual fund only accounts, bu...
by TomatoTomahto
Sun Jun 10, 2018 9:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 222
Views: 31323

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

People are making things up and nit-picking about inconsequential changes in order to try to justify keeping archaic mutual fund platforms. We have a mid 7 digit amount in Admiral class shares, with low 7 digit capital gains. My wife’s employer “grandfathered” Vanguard mutual fund only accounts, bu...
by TomatoTomahto
Sat Jun 09, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Another home thread: 2mil / 40K in taxes
Replies: 59
Views: 5383

Re: Another home thread: 2mil / 40K in taxes

You can barely afford it, but not without becoming house poor. Unsustainable house price increases are . . . Unsustainable. It seems safe, but how would you react if your $2M house became a $1.75M house for 5 or 10 years. It can happen. Around NYC, prices became soft recently in the $1.5M - $4M rang...
by TomatoTomahto
Fri Jun 08, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1114
Views: 87209

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

But I don't ever follow close behind a "lead car". I'm a better driver than that. Until Tesla Auto-pilot is a good a driver as me, I'm not interested. Following distance is driver adjustable. I usually set it to 7, the max. In NJ, and other places where a gap is a challenge to other drivers’ sexual...
by TomatoTomahto
Fri Jun 08, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1114
Views: 87209

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

I stopped using autosteer earlier this year. Like to maintain control. But use autopilot without autosteer a lot especially in rush hour traffic. But never even thought about setting autopilot to 75mph with autosteer, that is crazy in my opinion. As I’ve often said, there are roads where I use auto...
by TomatoTomahto
Fri Jun 08, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17573

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

My ex-wife has a degree in English Lit and the ability to understand what engineers are telling her. She has made a six digit annual income, working mostly from home. My sister-in-Law has a BFA and an MFA. She does well financially, has installations and showings around the world, heads an academic...
by TomatoTomahto
Fri Jun 08, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5074

Re: daughter wants a college transfer?

[snip ...] a student will work harder and get more out of his/her education by going to a school they prefer as compared to a better school where they don't want to be . As a parent, your job is to guide your kids and help them evaluate options. It is the kid who will have to live with the decision...
by TomatoTomahto
Fri Jun 08, 2018 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17573

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

My ex-wife has a degree in English Lit and the ability to understand what engineers are telling her. She has made a six digit annual income, working mostly from home. My sister-in-Law has a BFA and an MFA. She does well financially, has installations and showings around the world, heads an academic ...
by TomatoTomahto
Thu Jun 07, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17573

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Yep, that is totally a contributor to the student loan crisis and those millions of kids/parents paying sticker are partially subsidizing those of us who didn't; which in all honesty, I am not too comfortable with. In that respect, thanks Tomato. You’re very welcome. Education is something that, as...
by TomatoTomahto
Thu Jun 07, 2018 5:33 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17573

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

I apologize to TomatoTomahto. They did not include a name in their quote, and when I quoted their post it looked like I was attributing the comment to TomatoTomahto. I saw the mistake and corrected my post. I will also apologize. Quoting from my phone when I'm too lazy to go upstairs to my PC, I so...
by TomatoTomahto
Wed Jun 06, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17573

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

No one pays sticker at a private college and most cases not even at a public college. Anyone paying 250k to 300k today for a bachelors degree is not too bright and would probably buy that ocean front property I have to sell in AZ. Leaving aside for the moment the issue of how “not too bright” I am,...
by TomatoTomahto
Wed Jun 06, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 433
Views: 50619

Re: How much money do you want to retire?

It seems like no one is ever really content with what they have - as soon as they reach a huge amount of net worth for retirement, I see people moving the goalpost further out. +10,000,000 It is very rare to hear from somebody who says "we have enough". And even when they do say "we have enough", t...
by TomatoTomahto
Wed Jun 06, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17573

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

balbrec2 wrote:
Wed Jun 06, 2018 7:58 am
Scholarships are given based on high achievement for well rounded students.
I agree with the first half of your statement, but I’ve seen scholarships go to “pointy” students also, especially if their pointiness comes from math/science.
by TomatoTomahto
Tue Jun 05, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Expensive house in HCOL area
Replies: 70
Views: 6254

Re: Expensive house in HCOL area

[snip ...]But the property will appreciate and the incomes will go up. Buy the house and enjoy! From your lips to God’s ears. What you say is true . . . until it’s not. I am (reluctantly) long real estate, and my brother-in-Law is voluntarily long real estate. I just hope the music keeps playing a ...
by TomatoTomahto
Mon Jun 04, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on changing job to lower title for the experience?
Replies: 22
Views: 776

Re: Thoughts on changing job to lower title for the experience?

From my discussions with some friends over time I have gathered that the whole banking world seems to have an extraordinary preoccupation with titles. I have one friend who was a vice president (I'm sure one of thousands) at a large bank who had a job offer from another company for a 50% salary gai...
by TomatoTomahto
Sun Jun 03, 2018 5:22 am
Forum: Personal Consumer Issues
Topic: Any reasons to not put money down for a Tesla Model 3?
Replies: 45
Views: 2904

Re: Any reasons to not put money down for a Tesla Model 3?

I'll probably also prefer a stick shift over electric but would be nice to save on gas on for environmental reasons. Where do you think the electricity comes from to charge it? Nearly 20% from renewable sources and only increasing in the future. At my house, with 116 PV panels (but, who’s counting?...
by TomatoTomahto
Sat Jun 02, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about RSUs and asset allocation
Replies: 12
Views: 936

Re: Thinking about RSUs and asset allocation

If you convert immediately upon vesting I see no need to adjust before that
Yup. If you immediately convert, RSUs when they vest are no different than salary that you earn every month, and you don’t adjust your allocation for those, right?
by TomatoTomahto
Fri Jun 01, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17573

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Due to grade inflation in high schools accompanied with the SAT being made easier it is difficult for the top kids to differentiate themselves. Even the SAT Math II score of 800 is awarded to 75% of the kids who take it. Are you sure? I find it hard to believe. I understand that there is grade infl...
by TomatoTomahto
Fri Jun 01, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17573

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Your son is an extreme outlier, even among Yale graduates, of which I work with many.
Perhaps, but many of his friend group are doing very well after graduation. Even the “less ambitious/successful” of his classmates have a reasonable ROI.
by TomatoTomahto
Fri Jun 01, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13475

Re: Best Advice You Never Took

Overall, the best advice I ever got was about marriage. Make your home an environment where your goal is to out-serve your spouse. You'd think you'd start to resent someone you put ahead of yourself, but I've found it does the opposite. Advice I give my kids: set your alarm for 15 minutes before yo...