Search found 7196 matches

by TomatoTomahto
Mon Jun 18, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 89
Views: 3461

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: 4082

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: 9
Views: 584

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: 89
Views: 3461

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: 4082

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: 4082

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: 4082

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: 78
Views: 5345

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: 3483

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: 3483

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: 4700

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: 8481

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: 8481

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: 1470

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: 31193

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: 31193

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: 31193

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: 31193

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: 5318

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: 1067
Views: 84273

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: 1067
Views: 84273

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: 17273

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: 5037

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: 17273

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: 17273

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: 17273

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: 17273

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: 50184

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: 17273

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: 6231

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: 770

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: 2850

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: 922

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: 17273

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: 17273

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: 13237

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...
by TomatoTomahto
Fri Jun 01, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13237

Re: Best Advice You Never Took

When I got engaged to my first wife my father said “Do you have rocks in your head?” He was right but it took me quite a while to realize it. See my post about financial set backs. After my marriage to my first wife fell apart, friends who had known her longer than I did told me they knew the marri...
by TomatoTomahto
Fri Jun 01, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 44238

Re: Name something you had to have and now you regret purchasing it?

Problem statement : After reading a book about sleep, I decided to improve the quality of mine by eliminating blue light frequencies for a couple hours before sleep. Regret : I have purchased two yellow light bulbs for my bedroom. Unfortunately, the bulbs were too dim for me to read in bed . This i...
by TomatoTomahto
Fri Jun 01, 2018 2:20 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: 17273

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

All famous. Some of the Ivies. Stanford and MIT. Two or three of the top liberal arts colleges. That is about it for "top tier" for me. Maybe 10 total... Yup. And, in my personal experience, ROI is off the charts. My son’s first year compensation out of school plus internships matches total full fr...
by TomatoTomahto
Thu May 31, 2018 12:37 pm
Forum: Investing - Theory, News & General
Topic: Why is risk adjusted return important?
Replies: 35
Views: 2420

Re: Why is risk adjusted return important?

Risk adjusted returns are important because the adjustment is what keeps me out of 50/50 Venezuelan bonds and bitcoin.
by TomatoTomahto
Wed May 30, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7091

Re: Tesla Autopilot, worth it?

It has the quotes Full Self-Driving Hardware on All Cars and mentions that all Teslas have the hardware needed for full self-driving capability at a safety level substantially greater than that of a human driver. I would appreciate a quote where Tesla says it has software capable of that. Hardware ...
by TomatoTomahto
Wed May 30, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7091

Re: Tesla Autopilot, worth it?

It has the quotes Full Self-Driving Hardware on All Cars and mentions that all Teslas have the hardware needed for full self-driving capability at a safety level substantially greater than that of a human driver. I would appreciate a quote where Tesla says it has software capable of that. Hardware ...
by TomatoTomahto
Wed May 30, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7091

Re: Tesla Autopilot, worth it?

The AP crash photo from YouYou came from someone who videoed himself driving in the dark with no headlights, was using AP in an unsupported area, and had been advised not to use it. There is significant evidence of his poor judgement online. Ditto the idiots who watched DVDs while driving. Ditto th...
by TomatoTomahto
Tue May 29, 2018 5:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429929

Re: U.S. stocks in freefall

livesoft wrote:
Tue May 29, 2018 5:04 pm
In the end, nothing I owned dropped even 2%.
The reason I got to invoke your rule re Tesla was that some unvested RSUs dropped around 5%. I know, I know, I shouldn’t track unvested RSUs.
by TomatoTomahto
Tue May 29, 2018 5:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429929

Re: U.S. stocks in freefall

Big day — I have to add another Tesla or two to the fleet (using Livesoft’s Rule).
by TomatoTomahto
Tue May 29, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Selling car in CA, titled in absent owner's name
Replies: 14
Views: 733

Re: Selling car in CA, titled in absent owner's name

Ask if they can email or if you can download the packet to speed things up and reduce Fedex costs. Or whether the packet is California specific and if you can stop by your local NJ Carmax to pick one up. Also, if necessary, for normal mail, 1st class mail is often quite fast and reliable and I'd co...
by TomatoTomahto
Tue May 29, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Selling car in CA, titled in absent owner's name
Replies: 14
Views: 733

Re: Selling car in CA, titled in absent owner's name

For anyone else in similar circumstances: Carmax told me that my son would have to get a "Power of Attorney Packet" from Carmax, Fedex it to his mother, have her notarize signatures, and Fedex it back to him. This would allow him to sell the car as her agent. That adds 3 days (give or take) to the t...
by TomatoTomahto
Tue May 29, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Selling car in CA, titled in absent owner's name
Replies: 14
Views: 733

Re: Selling car in CA, titled in absent owner's name

Be sure to inquire about some type of "mileage certification" by owner when you talk about documents needed. The BoS that I borrowed from Word has verbiage certifying that the odometer hasn't been tampered with, that the mileage is as stated, etc. It's been a single owner car, so I feel confident s...
by TomatoTomahto
Tue May 29, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Selling car in CA, titled in absent owner's name
Replies: 14
Views: 733

Re: Selling car in CA, titled in absent owner's name

pshonore wrote:
Tue May 29, 2018 7:39 am
I'd call a local CARMAX in NJ and ask them. I'd then verify that with a CARMAX near San Luis Obispo.
I was intending to call a Carmax dealer near San Luis Obispo later this morning. Do you think that a NJ office would have other instructions?