Search found 889 matches

Return to advanced search

Re: Assistance with Medicare costs for lowish income seniors

Thanks for all this info. There's a lot for me to investigate. I wish there was a consultant I could hire to do this... does anyone know?

(FWIW, my in-laws are in PA, not NY)
by jon-nyc
Fri Oct 03, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Assistance with Medicare costs for lowish income seniors
Replies: 13
Views: 1050

Assistance with Medicare costs for lowish income seniors

Hi All - I'm in the process of trying to help my in-laws out of some ongoing financial difficulties. They spend an extraordinary percentage of their gross income on Medigap coverage, Medicare Part D premiums, and out of pocket drug expenses. I'm trying to see what I can find in terms of less expensi...
by jon-nyc
Tue Sep 30, 2014 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Assistance with Medicare costs for lowish income seniors
Replies: 13
Views: 1050

Re: Binoculars appropriate for a 6-year-old?

Hmmm.... Maybe a nice holiday gift for my 5 year old.
by jon-nyc
Tue Sep 23, 2014 7:23 pm
 
Forum: Personal Consumer Issues
Topic: Binoculars appropriate for a 6-year-old?
Replies: 11
Views: 934

Re: Recommended World War I book

In terms of the war's aftermath, I think there is no greater work than Paris 1919: Six months that changed the world by Margaret Macmillan. (She happens to be the great granddaughter of Lloyd George, FWIW).
by jon-nyc
Sun Sep 14, 2014 7:26 am
 
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 37
Views: 2097

Re: Recommended World War I book

DesertResister wrote:
gkaplan wrote:Barbara Tuchman's The Guns of August


This is an outstanding book.



I think that particular book of hers is horribly overrated.

Even the abridged version of Churchill's WWI memoir offers a far superior treatment of the events leading up to the war.
by jon-nyc
Sun Sep 14, 2014 7:17 am
 
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 37
Views: 2097

Re: Dealership wants to buyback my car

I bought a new car last year. About 3 weeks later I got that same letter, except it seems to have been spit out of their computer in error. In place of '2013 Fit' it said '[year, model]' and in place of my name was '[customer name]'.
by jon-nyc
Mon Aug 11, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Dealership wants to buyback my car
Replies: 32
Views: 3501

Re: How do you address your inlaws and being addressed?

I call my MIL by her first name. Other appellations come to mind, but would get me in trouble.
by jon-nyc
Sun Aug 10, 2014 6:19 am
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4872

Health insurance coverage question

For two years or so, my wife and I each had family healthcare plans provided by our respective employers, paid for partially by payroll deductions. They were two distinct plans from two distinct national carriers, each covered the entire family. (ignore for now the fact that we wasted money on dupli...
by jon-nyc
Sat Jun 28, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: Health insurance coverage question
Replies: 2
Views: 293

Re: 30 Yr TIPS auction 6/19: 1.25% real yield? any takers?

To the original question, I got my fill in February, like a always do. Last year that hurt me, this year it is helping so far.
by jon-nyc
Mon Jun 09, 2014 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: 30 Yr TIPS auction 6/19: 1.25% real yield? any takers?
Replies: 59
Views: 4571

Re: Replacement checks?

I just ordered 1000 checks for 30.45 at Costco. (costcochecks.com) It incuded tax and shipping. Much cheaper than the other options. Dang, that's a lot of checks. I think a 1000 checks would last me about 50 years. I think i'll get 15 or so out of it at my current rate. But by then maybe we'll fina...
by jon-nyc
Mon Jun 09, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: Replacement checks?
Replies: 29
Views: 1667

Re: Replacement checks?

I just ordered 1000 checks for 30.45 at Costco. (costcochecks.com) It incuded tax and shipping.

Much cheaper than the other options.
by jon-nyc
Fri Jun 06, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: Replacement checks?
Replies: 29
Views: 1667

Re: Replacement checks?

Thanks for all the suggestions, everyone.
by jon-nyc
Fri Jun 06, 2014 6:12 am
 
Forum: Personal Consumer Issues
Topic: Replacement checks?
Replies: 29
Views: 1667

Replacement checks?

Yeah, yeah, I know... 'what's a check?'

Well, I write quite a few. And I need more.

Obviously I don't care what they look like, I just want to buy them cheap and in quantity.

Any recommendations?
by jon-nyc
Wed Jun 04, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: Replacement checks?
Replies: 29
Views: 1667

Re: NYC for the day… what to do with the car

Tarrytown is a better option than White Plains if for no other reason than the train ride has fabulous scenery. The train goes right along the Hudson, with a view of the Pallisades. You will have no problem parking on weekends.
by jon-nyc
Tue May 27, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: NYC for the day… what to do with the car
Replies: 18
Views: 1132

Re: Do I take the separation package offer?

Congratulations!
by jon-nyc
Thu Apr 24, 2014 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I take the separation package offer?
Replies: 52
Views: 5619

Re: heartbleed - widespread internet security problem

The folks at xkcd did this cartoon to explain how the bug works.


http://xkcd.com/1354/
by jon-nyc
Fri Apr 11, 2014 8:20 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 27281

Re: Do I take the separation package offer?

If you don't say yes to this I'm going to disguise myself as you, go into your boss' office, and say yes for you.
by jon-nyc
Tue Apr 08, 2014 8:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I take the separation package offer?
Replies: 52
Views: 5619

Re: What age did you reach 100K networth?

cflannagan wrote:A lot of 20's.

Did they all account for mortgages, student loans, auto loans, etc when calculating net worth?



I did. I had no mortgage, no student loans, and no auto loans at the time. Just assets.
by jon-nyc
Sat Mar 29, 2014 10:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 35121

Re: IRS: bitcoins are property for tax purposes in U.S.

Examples of payment systems that are not US fiat, widely used already in the US, include: gift cards, paypal, frequent flier miles. People figure out how to charge & get paid in these ways, presumably not just for illicit activities (I've never heard of anyone selling dime bags for United miles...
by jon-nyc
Thu Mar 27, 2014 8:14 pm
 
Forum: Investing - Theory, News & General
Topic: IRS: bitcoins are property for tax purposes in U.S.
Replies: 28
Views: 2782

Re: IRS: bitcoins are property for tax purposes in U.S.

The biggest question is who is going to track all of this? The exchanges? The individual? Companies that take it in exchange for other goods and services? If it is truly not a form of "cash", it would make me hesitiate to accept it as a form of payment. RM To your first point, I assume it...
by jon-nyc
Thu Mar 27, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: IRS: bitcoins are property for tax purposes in U.S.
Replies: 28
Views: 2782

Re: Anti-virus for Mac?

How do you know if you have a virus? It hurts when you type 'P'.


Seriously, though, thanks for the recommendations and comments all.
by jon-nyc
Tue Mar 11, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 4486

Anti-virus for Mac?

There have been previous threads on this but given the speed with which technology changes I thought I'd start another to get some more recent input. What anti-virus or anti-malware programs can you recommend for the Mac? Our Macs have always gone bareback here but my wife's been nervous lately afte...
by jon-nyc
Sun Mar 09, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 4486

Re: How do discount brokers make money from passive investor

This reminds me of a story from years ago - a friend of mine was a trader in a small regional brokerage. They would berate the research guys over their 'hold' recommendations. His line was 'I've got buy and sell tickets, but I don't have any hold tickets'. (This was before automation so there really...
by jon-nyc
Sat Mar 08, 2014 6:43 am
 
Forum: Investing - Theory, News & General
Topic: How do discount brokers make money from passive investors?
Replies: 19
Views: 2478

Re: How do discount brokers make money from passive investor

Securities lending. But it wouldn't be much. Then again, a passive investor shouldn't cost them much either.
by jon-nyc
Fri Mar 07, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: How do discount brokers make money from passive investors?
Replies: 19
Views: 2478

Re: What was your dumbest financial decision?

Man you guys are all pretty dumb. To think I thought the Boglehead crowd was smart. :happy


(totally kidding)
by jon-nyc
Fri Mar 07, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 9622

Re: Question re deductions for cap gains on residence

My gain was in the 7 figures - a decade of Brooklyn gentrification was very very good to me.


I know, I know - first world problems. :)
by jon-nyc
Thu Mar 06, 2014 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question re deductions for cap gains on residence
Replies: 6
Views: 261

Re: Question re deductions for cap gains on residence

Excellent - i should have avoided the word 'deduction' to avoid confusion with schedule A deductions.

I can reduce my proceeds by the amount of transfer taxes. That's good to know, saves me probably 10k in taxes!
by jon-nyc
Thu Mar 06, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question re deductions for cap gains on residence
Replies: 6
Views: 261

Question re deductions for cap gains on residence

In NYC the seller pays a transfer tax to both the state and the city when selling residential real estate. Does anyone know if these are deductible from the sales price when determining the amount realized in the sale (for purposes of computing capital gains)? The relevant IRS publication (523) list...
by jon-nyc
Thu Mar 06, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Question re deductions for cap gains on residence
Replies: 6
Views: 261

Re: Roth RMD's?

This is not an allowable topic.

Having said that your premise is wrong. There are other reasons the government could find this advantageous. Since discussion is not allowed, I leave you to figure them out. :D
by jon-nyc
Thu Mar 06, 2014 10:40 am
 
Forum: Investing - Theory, News & General
Topic: Roth RMD's?
Replies: 7
Views: 629

Re: No car, moving for a 3-mth assignment, cheapest car opti

When I was in a similar situation I would do monthly rentals from Hertz or Avis. Much cheaper than their daily/weekly rentals, and insurance all included.
by jon-nyc
Wed Mar 05, 2014 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: No car, moving for a 3-mth assignment, cheapest car option?
Replies: 12
Views: 585

Re: What was your dumbest financial decision?

The one that comes to mind - I invested 25k (or was it 50k?) in my former colleague's de novo bank startup. A few years later it was sold at 22c on the dollar, thereabouts. Yeah there were some dot com busts as well. Those fortunately happened when I didn't have much money so I learned the indexing ...
by jon-nyc
Wed Mar 05, 2014 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 9622

Re: 529 contributions and future tuition costs

Tier-1 private: Harvard undergraduate tuition rose 4.7% (CAGR) in the 20 years to 2011, which is ~2.2% real. Room and board increase was slightly less. As with UVA, the 10 and 5 year rates of increase were a tad lower - 4.4% and 4.0% respectively, or 2.0% and 1.8% real. Some slightly more recent da...
by jon-nyc
Mon Mar 03, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 contributions and future tuition costs
Replies: 46
Views: 2919

Re: 529 contributions and future tuition costs

Some questions to ask for the big 529 contributors: Are you currently maxing all of your tax-advantage space? Does your state offer a tax break on 529 contributions? Are you debt free? Are you financially independent? Since I don't get a 529 tax-break, I feel that I shouldn't contribute anything to...
by jon-nyc
Mon Mar 03, 2014 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 contributions and future tuition costs
Replies: 46
Views: 2919

Re: 529 contributions and future tuition costs

ERMD, thanks for posting your assumptions and analysis. I also have a pretty detailed model. I plan 'conservatively' for 4+ years at a tier one private institution. (I should say that's conservative from a financial-planning point of view, not a parental-expectations point of view) My first observat...
by jon-nyc
Mon Mar 03, 2014 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 contributions and future tuition costs
Replies: 46
Views: 2919

Re: What if Henry Blodget is right about the stock market?

I haven't seen Blodget this excited about anything since pets.com.
by jon-nyc
Mon Mar 03, 2014 4:58 am
 
Forum: Investing - Theory, News & General
Topic: What if Henry Blodget is right about the stock market?
Replies: 47
Views: 4366

Re: Bitcoin price plunges

I have no idea if Bitcoin will be viable long-term or not, but it is important to note that the flaw in this case is with Mt. Gox and their exchange system and not with Bitcoin itself. I'm pulling for Dogecoin myself... I think that is oversimplifying what really happened. The transaction malleabil...
by jon-nyc
Thu Feb 27, 2014 3:29 am
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 20865

Re: Do children become less expensive as they grow up?

My professor once told me that " the first 30 years are the most difficult and expensive when raising children. He was absolutely correct. My mother had a refrigerator magnet that said 'Parenthood - the first 40 years are the hardest'. As it happened she passed away 10 days before my 40th birt...
by jon-nyc
Wed Feb 26, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do children become less expensive as they grow up?
Replies: 93
Views: 7610

Re: Question for those who switched from AT&T to Straighttal

Sure enough, by the time I rebooted the phone, the number had been ported.
by jon-nyc
Wed Feb 26, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Question for those who switched from AT&T to Straighttalk
Replies: 23
Views: 2173

Re: TIPS & Sequence of Return Risk

Though I'm not just doing the ladder for the early years, it'll go out at least until my wife is 90. Maybe further.

So I guess what I'm doing is different than what you describe, though it's still a mix of LMP and total return.
by jon-nyc
Wed Feb 26, 2014 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS & Sequence of Return Risk
Replies: 27
Views: 1946

Re: TIPS & Sequence of Return Risk

That's pretty much my plan. I am building a TIPs ladder within my fixed income allocation yet still have most of my assets in equities.
by jon-nyc
Wed Feb 26, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS & Sequence of Return Risk
Replies: 27
Views: 1946

Re: Cruel math

G-Money wrote:Math is neither cruel nor kind. It is indifferent. Math just is.



True. It's the losses that are cruel and the gains that are kind.
by jon-nyc
Wed Feb 26, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: Cruel math [x% loss requires x+% gain to get even]
Replies: 35
Views: 3505

Re: Question for those who switched from AT&T to Straighttal

Thanks for the replies.


Re the loss of visual voicemail - what do you have instead? Is there at least an indicator that you have a message?
by jon-nyc
Wed Feb 26, 2014 10:56 am
 
Forum: Personal Consumer Issues
Topic: Question for those who switched from AT&T to Straighttalk
Replies: 23
Views: 2173

Question for those who switched from AT&T to Straighttalk

I making this move myself. The SIM card just came in the mail yesterday. My question is, how much 'downtime' will I experience as the number gets ported? In other words, once I switch SIMS and activate the Straighttalk account, will there be a period of time before inbound calls work correctly? I'm ...
by jon-nyc
Wed Feb 26, 2014 5:55 am
 
Forum: Personal Consumer Issues
Topic: Question for those who switched from AT&T to Straighttalk
Replies: 23
Views: 2173

Re: Do children become less expensive as they grow up?

I'm with panickedmom. I see the costs declining from toddlerhood. In toddlerhood I spent 30k/yr on a nanny and close to 20k/yr on preschool. That was when we were in the city and both working. Now I'm in the burbs and school is free (well, I pay a 17k school tax but I would owe that if I had 0 kids ...
by jon-nyc
Wed Feb 26, 2014 5:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Do children become less expensive as they grow up?
Replies: 93
Views: 7610

Re: Bitcoin price plunges

Mt. Gox is no more: A company that doesn't tweet and deletes tweets to cover up, has no future, although rumors of an acquisition, if true, may result in resurrection. THat must have been wishful thinking on their part. No one will buy them if reports are true that they're 100MM+ in the red. They c...
by jon-nyc
Tue Feb 25, 2014 2:26 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 20865

Re: Bitcoin price plunges

HomerJ wrote:We look back at the Dutch, and cannot imagine how people would spend such huge amounts of money on tulips...

I wonder if people will look back on bitcoin the same way in 100 years.



I already look at pets.com (the business) and business.com (the domain name) like that.
by jon-nyc
Tue Feb 25, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 20865

Re: Do you keep diversification within bond investing?

My munis are all in the NY fund, but its less than 40% of my bond allocation and less than 15% of my portfolio. I don't keep to a specific suballocation % within bonds. It it rule driven, just not by percentage. Most of my bonds are US Treasurys. I buy as many TIPs as I need to build my TIPs ladder ...
by jon-nyc
Tue Feb 25, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Do you keep diversification within bond investing?
Replies: 13
Views: 1328

Re: 30 yr TIPs auction announced 2/13- any takers?

Hey, it may be up to 2.0% by the time the auction reopens. In fact I pretty much guaranteed that by buying my entire year's lot upfront. :D
by jon-nyc
Tue Feb 25, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 2/13- any takers?
Replies: 131
Views: 9042

Re: Bitcoin price plunges

So if you 'have' bitcoins stored in a wallet at Mt Gox you're now an unsecured creditor in line at bankruptcy court?
by jon-nyc
Tue Feb 25, 2014 8:49 am
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 20865

Re: 30 yr TIPs auction announced 2/13- any takers?

We still have the question of whether you need "extra" money when you buy at auction. Yes, as I was frustratingly reminded this morning. I pulled 52k out of a VG investment grade bond fund to buy 50k of the 30yr. Now I have a few grand to put back in the fund, but am stymied by the 60 fre...
by jon-nyc
Fri Feb 21, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 2/13- any takers?
Replies: 131
Views: 9042
Next

Return to advanced search