Search found 7563 matches

by TomatoTomahto
Sun Oct 28, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25693

Re: PSA: Don't buy a big house

I think we are quite off-topic as far as the subject of this thread by now, but I'd be happy to continue this discussion in another thread if you want to start one. I agree that it’s gone OT, but I would appreciate your starting another thread. I am personally hoping to go net carbon zero, and perh...
by TomatoTomahto
Sun Oct 28, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25693

Re: PSA: Don't buy a big house

One also would get the impression BHs are 50t/yr carbon bandits who drive evs and have solar panels to bring their footprint down to 48t/yr. I have a 1000sqft apartment for my family and I bike/take transit to the office. One low mileage ICE car. The SolarEdge app figures our CO2 save at around 30t...
by TomatoTomahto
Sat Oct 27, 2018 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Help! For a larger size taxable account do I pay an advisor?
Replies: 51
Views: 4058

Re: Help! For a larger size taxable account do I pay an advisor?

Very stressed out about this, losing sleep over what to do. I have a taxable account that I am not doing a good job managing.... mix of etfs, individual stocks, lost about 100K this year. For a taxable account is it worth it to hire an advisor quoting at just under 1% to manage the account and do t...
by TomatoTomahto
Sat Oct 27, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Working in NYC: Live in NY or NJ for tax optimization?
Replies: 25
Views: 1796

Re: Working in NYC: Live in NY or NJ for tax optimization?

We found living in NJ (Short Hills) and working in NYC worked for us, until it didn’t. NJ Transit is a horror show. Our son recently considered Jersey City vs NYC (West Village). He works close to where you will be working. Tax wise, Jersey City would have been a 4 or 5 digit save. Commute time was ...
by TomatoTomahto
Sat Oct 27, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25693

Re: PSA: Don't buy a big house

I do wonder, given some of the things people advocating for the environment push (like banning straws), if it will become considered gauche to live in a house much bigger than you need at some point. That's one of the reasons that I deflect disapproval of our much-too-large-for-task house to our pl...
by TomatoTomahto
Fri Oct 26, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25693

Re: PSA: Don't buy a big house

Taxes in NJ must be really much higher than when I was there - about 15 years back it was similar to LI NY. Here we consider $10K about average and $20K as high, and doubling that moves you into the stratosphere here. At their peak, taxes on our 1/2 acre house (that recently sold for less than $1.5...
by TomatoTomahto
Fri Oct 26, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25693

Re: PSA: Don't buy a big house

Beautiful place - not what any typical person could hope to maintain and afford, those taxes alone would sink most folks budgets. Enjoy.... Thank you. The taxes, while high as a kite, are not that much more than what we paid in suburban NJ. 2/3 of our property is protected wetlands, so we get a bre...
by TomatoTomahto
Wed Oct 24, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7984
Views: 1621076

Re: U.S. stocks in freefall

The dollar losses I am experiencing are the largest of my life. I have lost more in the last couple of weeks in dollar terms than my entire net worth back in 2008. :sharebeer That reminds me of my Dad, a natural optimist. He once told me, very proudly, that he had paid more in taxes this year than ...
by TomatoTomahto
Wed Oct 24, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25693

Re: PSA: Don't buy a big house

HueyLD wrote:
Wed Oct 24, 2018 1:56 pm
A 7100 SF house on 20+ acres? Holy cow!! How many housekeepers and gardeners do you have?
Many of those acres are protected wetlands, so we are not allowed to alter anything. It's there for the frogs (apparently a rare species lives there), coyotes, turkeys, hawks, owls, etc.
by TomatoTomahto
Wed Oct 24, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25693

Re: PSA: Don't buy a big house

This discussion bifurcated into large house / McMansion. I am commenting on the large house portion of this thread. My voiced preference was that, after the kids went to college, we would downsize into an apartment, large enough to have kids visit, liberal enough for us to have dogs, and convenient ...
by TomatoTomahto
Wed Oct 24, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25693

Re: PSA: Don't buy a big house

Exactly! One has to have lived in TX to know that 3500 doesn’t make a McMansion. It takes a much bigger house to attain that classification. McMansion is more a poorly chosen combination of styles that generally attempt to make the house look more expensive than it really is rather than a specific ...
by TomatoTomahto
Wed Oct 24, 2018 7:15 am
Forum: Investing - Theory, News & General
Topic: What's Your Fixed Income Strategy?
Replies: 89
Views: 8654

Re: What's Your Fixed Income Strategy?

Years to retirement or already in retirement?(how many years in?) I am retired (duration is a matter of definition; I was a stay at home dad for a long time; at some point the kids moved away to college and jobs, so I guess they retired me). My wife is possibly 5 years from retiring; she could chang...
by TomatoTomahto
Tue Oct 23, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 4822

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: 57
Views: 4405

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: 1050

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: 3335

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: 6051

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: 6051

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: 12976

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: 5536

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: 5536

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: 5536

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: 1449

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: 2763

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: 2763

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: 1449

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: 3525

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: 3568

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: 3525

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: 7984
Views: 1621076

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: 102
Views: 9882

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: 7984
Views: 1621076

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: 7984
Views: 1621076

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: 5281

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: 102
Views: 9882

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: 102
Views: 9882

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: 4638

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: 7014

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: 4638

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: 4638

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: 4638

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: 4638

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: 4638

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: 7984
Views: 1621076

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: 4638

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: 4638

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: 4638

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: 4638

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: 4638

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...