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Re: Becoming Trustee. Do they need my income and net worth?

I know the value of the trust, its financial content and progress, as I can access it online. My father gave me the login information, and my mother continues to get monthly statements. The only distributions from the account are to pay any taxes owed each year, the checks for which are signed by my...
by jasc15
Thu Apr 16, 2015 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Becoming Trustee. Do they need my income and net worth?
Replies: 21
Views: 1756

Re: Becoming Trustee. Do they need my income and net worth?

I will get my hands on the trust document. About a month ago wanted to find out where the division of responsibilities lay between the investor and the lawyer, so I called the lawyer. She told me that she couldn't send me the trust document, but I could be made a trustee. I know that my aunt is the ...
by jasc15
Thu Apr 16, 2015 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Becoming Trustee. Do they need my income and net worth?
Replies: 21
Views: 1756

Becoming Trustee. Do they need my income and net worth?

A trust was created in my (still living) grandmother's name (I don't know what type; revocable, irrevocable, etc.), for which my father and aunt were trustees. My father died about a year ago and I figured I should become trustee in his place. The paperwork they sent me includes a "Client Profi...
by jasc15
Thu Apr 16, 2015 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Becoming Trustee. Do they need my income and net worth?
Replies: 21
Views: 1756

Re: Mathematical: Am I on track towards my retirement goal?

I do it using this format I learned in an engineering economics class: (Future Annual Spending)*25 = P*(F/P,7%,30) + A*(F/A,7%,30) + G*(F/G,7%,30) Using 7% and 30 years, the following factors apply: (Future Annual Spending)*25 = P*(7.6123) + A*(94.46) + G*(920.87) If i have $100k invested now (P = $...
by jasc15
Thu Mar 12, 2015 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: Mathematical: Am I on track towards my retirement goal?
Replies: 21
Views: 2105

Re: Where to retire in New England?

In college I lived and worked 2 summers in NH and northeast MA. In that time, I visited Lake Winnipesaukee several times and have dreamed of the place ever since. I am far from retirement, but in the back of my mind somewhere is a dream of retiring on/near that lake.
by jasc15
Wed Mar 11, 2015 9:22 am
 
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 7722

Re: Car Repair [Maintenance vs. repair costs]

I would ask how many miles of service you would be buying with a repair, not whether its worth it on an old car. A $2000 repair on a $5000 car might sound crazy, but if you get another 20,000 miles out of it, the repair cost $0.10/mile. A new $25,000 car would need to last 250,000 miles for the same...
by jasc15
Wed Mar 04, 2015 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Car Repair [Maintenance vs. repair costs]
Replies: 20
Views: 2252

Comedian Kevin Hart: "Stay in your financial lane."

I caught the whole hour-long performance this weekend, and I thought this bit was perfect for the forum, except the liberal use of the F-word perhaps. Its a great anecdote about why he doesn't hang out with athletes and other wealthy celebrities anymore in an effort to "stay in his financial la...
by jasc15
Mon Feb 23, 2015 12:37 pm
 
Forum: Investing - Theory, News & General
Topic: Comedian Kevin Hart: "Stay in your financial lane."
Replies: 3
Views: 1449

Re: 2005 Nissan Altima - car issues [kicks back]

Thanks snowman & jasc15 for replying to my post. More than likely it is the transmission, and my guess since it appears they have extended the warranty on model years 2003-2010 is the reason they are telling me "I don't see a problem." I'm sure they are not liking having to do free re...
by jasc15
Wed Feb 18, 2015 10:07 am
 
Forum: Personal Consumer Issues
Topic: 2005 Nissan Altima - car issues [kicks back]
Replies: 21
Views: 1749

Re: 2005 Nissan Altima - car issues [kicks back]

Sounds like you might be describing 2 different problems. First is the shaking while applying the brakes. Changing the pads will do nothing if you need new rotors and/or calipers. This is not a big job for a DIY car owner with help from a knowledgeable friend, maybe $250 in parts and shouldn't cost ...
by jasc15
Tue Feb 17, 2015 5:53 pm
 
Forum: Personal Consumer Issues
Topic: 2005 Nissan Altima - car issues [kicks back]
Replies: 21
Views: 1749

Re: Your Future According to Yale Star Robert J. Shiller

(Shrug) When, O when was the golden age when anxiety and uncertainty were not weighing on individuals, and nobody worried about new technologies I'm relatively young and inexperienced, but I have learned in my 31 years that times are only ever good in the past. The present is always bad. "The ...
by jasc15
Wed Feb 11, 2015 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: Your Future According to Yale Star Robert J. Shiller
Replies: 86
Views: 10513

Re: Any men here get their wedding band on Amazon?

I bought mine from a guy on etsy who makes titanium rings. It cost $45, and I've been very happy with it for the last 6 months. Of course it can't be resized, but a new one is much cheaper than resizing a gold ring.
by jasc15
Tue Jan 06, 2015 9:43 am
 
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 3811

Re: Dilbert: Everything you need to know

Here is another good one:

Image
by jasc15
Tue Dec 16, 2014 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: Dilbert: Everything you need to know
Replies: 20
Views: 3042

Re: Smartphone Cases

Otterbox cases are well made and protect your phone quite well, but tend to be expensive. I had one for my previous phone, but now use a cheap ~$6 "thermoplastic polyurethane" (TPU) case, which I find does a good job as well. I got it because the rubber portions of the otterbox case would ...
by jasc15
Tue Dec 16, 2014 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone Cases
Replies: 26
Views: 2488

Re: Book suggestion for buying primary home

How reasonable is it to expect to "look carefully yourself"? What are the chances of having a few hours of uninterrupted access to the home when you haven't yet reached the point of making offer?
by jasc15
Wed Dec 10, 2014 8:36 am
 
Forum: Personal Consumer Issues
Topic: Book suggestion for buying primary home
Replies: 13
Views: 921

Re: More money equates to feeling poor?

I like to think of it in another way. Having the money to buy something without borrowing gives a much different sensation of the cost, for me, than if I did not have the money and needed to borrow. For example, when my wife and I had to replace a vehicle recently, we bought a used one for $10,000 a...
by jasc15
Thu Nov 13, 2014 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: More money equates to feeling poor?
Replies: 50
Views: 6369

Re: Oil change costs--dealer vs other

You can't really beat $20 with a DIY oil change. A filter is about $6-$7 and 5 quarts of oil can cost near $20 itself.
by jasc15
Thu Nov 06, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Oil change costs--dealer vs other
Replies: 35
Views: 2990

Re: NJ - Buying house in flood zone (FEMA)?

I live in northern NJ, and was here for both Irene and Sandy. I live in a second floor apartment, so the Sandy flood only took our cars and nothing else. Since then, while looking at home listings, I plug every address into the FEMA database and look on their maps. Maybe I am being too risk averse d...
by jasc15
Fri Oct 24, 2014 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ - Buying house in flood zone (FEMA)?
Replies: 48
Views: 3552

Re: How often do you change your car's oil?

My owner's manual recommends a synthetic oil change every 7500 miles. I changed it 5000 miles after buying it (used) since I wasn't sure if the dealer used synthetic or not. I plan on sticking to the 7500 mile interval for the future.
by jasc15
Fri Oct 24, 2014 7:50 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 13566

Re: How did you get from $1M to $10M

The same way you got from 100k to 1M?
by jasc15
Thu Oct 16, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you get from $1M to $10M
Replies: 46
Views: 4275

Re: Just read All About Asset Allocation by Mr. Ferri.. Help

I'm pretty sure all of those asset classes you mention can be achieved with a "lazy" 3 or 4 fund portfolio. In fact, you mention the 3 in your post:

US EQUITY, INTERNATIONAL EQUITY, FIXED INCOME.

There are funds which cover these classes roughly in the proportions you mention.
by jasc15
Mon Oct 13, 2014 7:58 am
 
Forum: Investing - Theory, News & General
Topic: Just read All About Asset Allocation by Mr. Ferri.. Help!
Replies: 14
Views: 2236

Re: Avoid logging into brokerage account

Tell me not to log in, all I want to do was log in.

Today's Gain/Loss: -1.03% and Total Gain/Loss +26.77%.

Whats the problem?
by jasc15
Mon Oct 13, 2014 7:49 am
 
Forum: Investing - Theory, News & General
Topic: Avoid logging into brokerage account
Replies: 17
Views: 1868

Re: Couch Surfing

I considered couch surfing prior to a trip to Munich about 5 years ago. Since I was a brand new member, and wasn't in a position to reciprocate as a host, I decided not to. At the time I spoke to several people I know who recommended it. I like the Idea, but have no direct experience with it. This p...
by jasc15
Thu Oct 09, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 6216

Re: Savings account interest rate increase (!)

Now that you mention it I notice 0.75% on my Capital One 360 accounts, where I think it was 0.70% not long ago. It could be your suggestion of the change that makes me see it, however.
by jasc15
Wed Oct 01, 2014 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings account interest rate increase (!)
Replies: 7
Views: 1479

Re: how to prevent medical expense catastrophe?

This article struck a nerve with me. My wife had surgery about 2 years ago with both an in-network and an out-of-network surgeon. We saw his bill of $112,000 which turned my stomach inside out. Realizing that out of pocket maximums do not preclude "balance billing", a term we learned about...
by jasc15
Tue Sep 23, 2014 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 8927

Re: LASTPASS Password Program

What probably happened, is that Lastpass stored the old password for that site. It didn't create a new one unless you go into that site's specific user account settings, and created a new one using the lastpass password generator. It takes a bit of time to get the hang of how lastpass manages and ge...
by jasc15
Wed Sep 17, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 5760

Re: Student loan overpayment. How do I calculate payoff per

Here we go again , another "student loan" question where the audience gets half-baked or no information and we are suppose to figure it out - after spinning my wheels on a couple of these in the past I decided to look at the information given and then quickly decide if it's worth my time ...
by jasc15
Tue Sep 16, 2014 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loan overpayment. How do I calculate payoff period?
Replies: 18
Views: 1125

Re: Student loan overpayment. How do I calculate payoff per

These numbers are a few months out of date, but they should still serve the purpose as an example: Balance Rate Minimum Monthly Payment Loan 1- $23,494 5.90% 294 Loan 2- $12,551 5.63% 98 Loan 3- $31,507 6.80% 521 Loan 3 is actually composed of 3 or 4 different balances with different rates, but I'm ...
by jasc15
Mon Sep 15, 2014 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loan overpayment. How do I calculate payoff period?
Replies: 18
Views: 1125

Student loan overpayment. How do I calculate payoff period?

My wife has been paying off her student loans aggressively for nearly 2 years now. When she called to ask how the overpayment would be applied, they responded that it would be applied to the next payment. I'm not sure how to account for this to determine how much interest will actually be paid, and ...
by jasc15
Mon Sep 15, 2014 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loan overpayment. How do I calculate payoff period?
Replies: 18
Views: 1125

Re: Anyone moved from NY?

I spent my first 27 years on LI, western Nassau County, and the last 4 in New Jersey. They are mostly the same as far as I am concerned, though NJ has more walkable suburban towns, due to the fact that many of them were developed before the post WWII car-dominated suburb boom that dominates LI today...
by jasc15
Thu Sep 11, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: Anyone moved from NY?
Replies: 43
Views: 3273

Re: A 'really good book' you did NOT enjoy

I've read "Zen and the Art of Motorcycle Maintenance" at least twice. I want to like it. But what is he talking about? Obviously the book is written on a much higher level than my average, puny mind can comprehend. Glad I searched the thread for this book. I'm reading it now, and am about...
by jasc15
Mon Sep 08, 2014 8:31 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 12753

Re: Do you take all of your allowed paid vacation time?

After reading this thread, I happened to come across this relevant article:

Germany mulls ban on after-hours work emails and calls.
by jasc15
Thu Aug 28, 2014 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 6648

Re: Trying to understand the 1040 Tax Table

Effective tax rate, while interesting, is useless for decision making. All decisions to recognize additional income or accelerate deductions are based on the marginal rate. There is a dichotomy in my head on this issue. On one hand, I see that reducing taxable income by one dollar, you will save ta...
by jasc15
Thu Aug 28, 2014 7:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2576

Re: Trying to understand the 1040 Tax Table

JohnFiscal wrote:I think I'd call that the "effective total tax rate". But I don't pay any attention to that number.

Can you elaborate? Why does your marginal rate matter, when what you pay is this "effective" rate?
by jasc15
Mon Aug 25, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2576

Re: Rain Jacket Recommendations

I have this jacket and just used it on a 10 day trip in europe where it rained for much of the time. It kept me dry while walking for hours in the rain, and on some hikes with on and off rain. I also use it to bike in the rain and for snowboarding, and I've never noticed a leak. I have had it less t...
by jasc15
Fri Aug 22, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Rain Jacket Recommendations
Replies: 29
Views: 2107

Re: How old are you?

31. I'd be interested to see the results when more people respond. I figured I was young compared to the rest of the forum members.
by jasc15
Wed Jul 30, 2014 3:47 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 82
Views: 8708

Re: "Why no one should use brokerage accounts" Really?

Had Frank and Sally, for example, invested their original $40,000 directly in a mutual fund with a reputable third-party custodian, they would never have faced this madness.
What distinction is he making between his hypothetical brokerage firm and a "third-party custodian"?
by jasc15
Mon Jul 28, 2014 8:01 am
 
Forum: Investing - Theory, News & General
Topic: "Why no one should use brokerage accounts" Really?
Replies: 10
Views: 1492

Re: Rules of thumb that shouldn't be

In your opinion, what rules of thumb are too often incorrect to be a good rule of thumb? My pet peeve is: "You should usually roll over an old 401k into an IRA" I dislike this one because it's not true for so many investors and situations: - 401ks can have much lower expense ratios than I...
by jasc15
Fri Jul 25, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: Rules of thumb that shouldn't be
Replies: 39
Views: 4850

Help me to help my 60 YO mother invest.

My mother has little invested in a workplace 401k (roughly 2/3 of a year's salary in one fund, but I'm not sure which), with no other investments. Due to my father's recent death, she has some money from insurance payouts roughly equal to a year's salary, all currently in a savings account. I intend...
by jasc15
Thu Jul 24, 2014 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me to help my 60 YO mother invest.
Replies: 3
Views: 497

Re: American in need of Premier team to root for

Maybe go with a team that friends, family or acquaintances are fans of. My wife's uncle is a fan of Manchester United, so if I were to pick, I suppose that would be my team, though they appear to be an easy pick since they have won 13 of the last 20 championships.
by jasc15
Mon Jul 21, 2014 9:00 am
 
Forum: Personal Consumer Issues
Topic: American in need of Premier team to root for
Replies: 21
Views: 1169

Re: Timeline for buying a house + Q about central Jersey

I am a renter in NJ, and will likely buy a house here in the next few years. I regularly look at the listings to get a feel for the price points of various towns, and I use this FEMA tool to check if the property is in a flood zone: https://msc.fema.gov/webapp/wcs/stores/servlet/FemaWelcomeView?stor...
by jasc15
Sat Jun 28, 2014 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Timeline for buying a house + Q about central Jersey
Replies: 28
Views: 2568

Re: How to Charge a Smartphone in Car

http://www.amazon.com/gp/product/B00DAGJ8PO/ref=oh_details_o01_s00_i00?ie=UTF8&psc=1 I paid less than $5 for this. It charges 2 phones at once, and I haven't had any issues where it delivers too little power. Although if you have 2 phones operating simultaneously rather than just charging, you m...
by jasc15
Tue Jun 17, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: How to Charge a Smartphone in Car
Replies: 12
Views: 777

Re: What Book Are You Currently Reading? Part V

Just finished Carl Sagan's Demon Haunted World, and am starting Michael Crichton's Jurassic Park.
by jasc15
Tue Jun 17, 2014 9:33 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1278326

Re: What octane gas do you use to fill your car?

I think at one point the Ford Expedition manual said to use regular gas while the Cadillac Escalade said to use premium. Pretty sure they had the exact same engine at the time... It seems that every luxury car "requires" premium gas. A former coworker bought an Infiniti G35 (essentially a...
by jasc15
Mon Jun 16, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 6495

Re: What octane gas do you use to fill your car?

Why the aversion to ethanol?
by jasc15
Mon Jun 16, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 6495

Re: What octane gas do you use to fill your car?

I just bought a used Volvo V50. I read a lot about how it requires premium gas, but the manual "recommends" 91 octane, and can use 87 with no problem. I've been using 87 since we got it. To the Lexus owner who used 91 instead of the 87, I would attribute the increased gas mileage to the wa...
by jasc15
Mon Jun 16, 2014 8:42 am
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 6495

Re: Engagement Ring - Diamond Help

I am an engineer by trade so I really got into this when I was buying one for my wife. Make sure you go to a real jewelry store, not a mall store. Go somwhere that the jeweler will give you a loupe and a packet of stones and let you look through them. Second this. Don't go to a mall store. A close ...
by jasc15
Fri Jun 13, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Engagement Ring - Diamond Help
Replies: 61
Views: 4829

Re: Engagement Ring - Diamond Help

I bought from an independent jeweler, but used Pricescope and Blue Nile to compare pricing. Once I saw that the jeweler's price was in line with those sites, I felt a bit more comfortable purchasing from them.
by jasc15
Fri Jun 13, 2014 8:36 am
 
Forum: Personal Consumer Issues
Topic: Engagement Ring - Diamond Help
Replies: 61
Views: 4829

Re: A $1000 lesson on how manipulative salespeople can be?

I nearly had a similar situation visiting Mexico last year. My girlfriend and I took a bus into town because we needed to buy a few things. Right at the bus stop was a woman who spoke excellent english and somehow lured us into her shop. I felt uneasy as soon as I stepped off the bus and saw her, bu...
by jasc15
Tue Jun 10, 2014 9:39 am
 
Forum: Personal Consumer Issues
Topic: A $1000 lesson on how manipulative salespeople can be?
Replies: 107
Views: 17991

Re: Switzerland itinerary feedback

Just back from 2 weeks in Switzerland, on a tour devoted to Historic Pipe Organs (yeah, I know, a "niche" interest!). Visited most of the places outlined in the earlier post here, plus some fantastic rural spots. Lovely country, everything seems to work. Two bits of advice. 1: Take lots o...
by jasc15
Tue Jun 10, 2014 7:32 am
 
Forum: Personal Consumer Issues
Topic: Switzerland itinerary feedback
Replies: 17
Views: 1259

Re: Switzerland itinerary feedback

Once we have our itinerary set, I will see whether it makes sense to get the swiss pass. It also gives you discounts on the mountain trains mentioned which get you to the peaks in the lauterbrunnen valley (these are not part of the swiss federal railway, so they are not "free" with swiss p...
by jasc15
Mon Jun 09, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Switzerland itinerary feedback
Replies: 17
Views: 1259
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