Search found 101 matches

by aerofreaky11
Mon Apr 02, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Should I use the NYC 457 (DCP)?
Replies: 8
Views: 572

Re: Should I use the NYC 457 (DCP)?

457 is available from day of termination. That isn't true with a rollover without penalties. The 457 Roth is a winner and with the other plans available will make FIRE easier, even with the municipal MD salary.
by aerofreaky11
Fri Feb 16, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: used Prius (or Chevy Volt?)
Replies: 50
Views: 4050

Re: used Prius

You want at least a 2nd generation... Batteries and efficiently have improved, but so has the cost. I bought a 08 in 12 with 135k and I still have it with over 200k. It's still solid. I average 50mpg combined.
by aerofreaky11
Fri Jan 26, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Purepoint now 1.6%
Replies: 13
Views: 1718

Re: Purepoint now 1.6%

Anyone try converting to a local account to for the extra .25? Call or go to branch or open a new account?
by aerofreaky11
Fri Jan 26, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 457b allocation
Replies: 20
Views: 1114

Re: Help with 457b allocation

NYC DC has Roth!
by aerofreaky11
Thu Jan 25, 2018 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 457b allocation
Replies: 20
Views: 1114

Re: Help with 457b allocation

One other consideration. NYC DC also offers a 401k. The $ contributed from the 457 is different from the 401k & or 403B (if you are an educator) so you can max out both buckets at the 18.5k limit.
by aerofreaky11
Thu Jan 25, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 457b allocation
Replies: 20
Views: 1114

Re: Help with 457b allocation

NYC Deferred Comp has a IRA... I see what you're asking. Personally, I would suggest using the Equity Index though the DC and buy some Schwab or Fidelity Int'l Index....though one of their IRA. The DC Int'l offerings aren't that wonderful and the ER is higher than you can get elsewhere... Also, are ...
by aerofreaky11
Mon Oct 09, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Bogota and the Coast of Colombia travel
Replies: 57
Views: 9286

Re: Bogota and the Coast of Colombia travel

I'll write another post about the Amazon... I would suggest visiting it sooner than later. Sadly, the uniqueness, nature, and lifestyle are all changing for the worse. The practical way to get there is a flight from Bogota to Letecia. Leticia is not the most beautiful town. It boarders (land) with T...
by aerofreaky11
Mon Oct 09, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Bogota and the Coast of Colombia travel
Replies: 57
Views: 9286

Re: Bogota and the Coast of Colombia travel

My travel through Colombia since my first post has brought me to many different parts of Colombia. The Caribbean coastal cities, such as Cartagena are beautiful, but actually too hot for my taste. The coastal beaches vary in quality depending on the distance from a population base and also the type ...
by aerofreaky11
Tue Oct 03, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Bogota and the Coast of Colombia travel
Replies: 57
Views: 9286

Re: Bogota and the Coast of Colombia travel

Funny to stumble upon a thread I wrote many years back. In fact, I even spelled the country wrong! I can tell you that my knowledge of S. America has greatly improved in the past many years. My April 09 trip was life changing, in a good way. Beyond a change of flight schedule I had zero issues. I ha...
by aerofreaky11
Wed Aug 23, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 4185

Re: Would you hire an obese nanny?

Consider culture and obesity. Many Nannies are immigrants and in some of these countries being larger isn't looked down upon, but the opposite. I've seen women who meet the description of the potential Nannie tear it up on a dance floor for hours. Will she be a trustworthy loving caretaker?
by aerofreaky11
Fri Aug 11, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Elan Fidelity 2% card website after fraud alert
Replies: 7
Views: 1813

Re: Elan Fidelity 2% card website after fraud alert

I had my card number used to buy prepaid phone cards... I was unable to accept the calls and when calling back I was diverted from customer service to the fraud unit with 30+ minutes wait before I hung up 3x at different times of the day. I mentioned to the rep that this kind of service is unaccepta...
by aerofreaky11
Wed Jul 19, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Battery Life - 2008 Toyota Hybrid Camry
Replies: 39
Views: 7850

Re: Battery Life - 2008 Toyota Hybrid Camry

A post bought back from the dead... 08 Prius owner... 195k. Knock on wood, still giving me a steady 51mpg city/Hwy
by aerofreaky11
Sat Jul 08, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: NYCDCP vs. Personal IRA Account for NYC Public School Teacher
Replies: 25
Views: 1665

Re: NYCDCP vs. Personal IRA Account for NYC Public School Teacher

Note: the "wild card" is if there is a CON-CON (constitutional convention) the guaranteed TDA amount could be changed without collective bargaining.

So, for this reason, as I suggested in my other posting above make sure you aren't "all in" the TDA.
by aerofreaky11
Sat Jul 08, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: NYCDCP vs. Personal IRA Account for NYC Public School Teacher
Replies: 25
Views: 1665

Re: NYCDCP vs. Personal IRA Account for NYC Public School Teacher

First, there are two different agencies you are referring to. The 403b is also know as the TDA. It's only available pre tax. This is offered by the NYC TRS. It offers a 7% fixed as well as 'core' investment choices which lack a great deal of transparency. The 401k and 457 and IRA are available by th...
by aerofreaky11
Fri May 05, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 6857

Re: Insulating Walls - Worth it?

If this is development wide... Suggest 'board' negotiate volume pricing and trusted contactor (bids) to allow other units to have a similar upgrade. We did this in my NYC condo with faulty HVAC valves. Ultimately, it was up to the owner to pay and decide it was worth it. If the 'board' buys in, the ...
by aerofreaky11
Thu Apr 20, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Return Fraud at Big Box and "The Retail Equation"
Replies: 19
Views: 3070

Re: Return Fraud at Big Box and "The Retail Equation"

From the wording in OP's original post, I do not understand why OP believes a return was processed? Several weeks later, I received an email from the loyalty program with a copy of a receipt. Interesting...I didn't make a return OP - can you please clarify why you believe a "return" was processed? ...
by aerofreaky11
Wed Apr 19, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Return Fraud at Big Box and "The Retail Equation"
Replies: 19
Views: 3070

Return Fraud at Big Box and "The Retail Equation"

Background: I purchased several items at a national big box home improvement store. Some of the items were LARGE as in 4 feet by 8 feet wide. Several weeks later, I received an email from the loyalty program with a copy of a receipt. Interesting...I didn't make a return. In fact, I haven't shopped a...
by aerofreaky11
Tue Apr 11, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Combatting mosquitoes traveling in S. America
Replies: 39
Views: 2930

Re: Combatting mosquitoes traveling in S. America

Presumably, anti-malaria pills are prescribed by a doctor. I would not be taking these (or any medication for that matter) without being under the direction of an infectious disease doctor, who would specialize in these types of things. DW is ID MD. I'm no specialist, but the warning is worth notin...
by aerofreaky11
Tue Apr 11, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: Combatting mosquitoes traveling in S. America
Replies: 39
Views: 2930

Re: Combatting mosquitoes traveling in S. America

Careful with the anti malaria pills. Many have severe side effects... The most simple (doxycycline) will cause sun sensitivity and the newer more effective ones can trigger scary mental issues which are never welcome, but especially when you're in a new place without people who know you enough to se...
by aerofreaky11
Wed Feb 08, 2017 11:48 pm
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 33
Views: 25735

Re: Worth it to get 300 Mbps internet?

TWC/DBA Spectrum is heading for a class action suit due to promised speed. It's very clear that the rental modems they had out in the field weren't capable of the higher speeds quoted. Regardless, 300 is a major overkill for what you describe as your needs/usage. You CAN put premium in your non high...
by aerofreaky11
Tue May 24, 2016 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp: How long do you trust your company?
Replies: 49
Views: 5977

Re: Deferred Comp: How long do you trust your company?

Can anyone chime in on the differences in liability/risk in private co. vs. municipal/city/state government plans. For example, NYC Deferred Compensation offers a 457 Plan in Roth and Regular. The $18,500 limit is separate from the 401K/403B pool. One doesn't have to go far to find different governm...
by aerofreaky11
Sat Dec 12, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: We have a major bedding issue. Yes, bedding.
Replies: 43
Views: 6834

Re: We have a major bedding issue. Yes, bedding.

Nocturnal hypoglycemia could be the issue. A relative of mine had this. Sugars looked great during routine exams, but after +/- 30 hour hospital shifts, she would come home and crash/sleep without eating first. Never tested sugars after long shifts without food/nutrition. The night sweats stopped wh...
by aerofreaky11
Sat Aug 22, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: Inverter Fridge
Replies: 0
Views: 467

Inverter Fridge

I've been researching Energy Star fridges. I'm curious if anyone has experience with the latest technology which is the inverter motor. Instead of running some of the time and cycling the temp. up and down, the inverter style always runs, but at a variable output speed. The idea is that it is much m...
by aerofreaky11
Fri Jun 19, 2015 7:40 am
Forum: Personal Finance (Not Investing)
Topic: House Underwater
Replies: 22
Views: 3899

Re: House Underwater

Under water stinks, but considering the numbers you could be worse off. You lived there as a primary residence for 4 years. You are under by 42K. With rough math I see that one way of looking at is is that you paid $875 a month in rent for those 4 years (plus closing costs etc and surely maintenance...
by aerofreaky11
Mon Feb 09, 2015 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I put a Credit Freeze on my accounts?
Replies: 37
Views: 5756

Re: Should I put a Credit Freeze on my accounts?

Can you access your score with Credit Karma etc... during a freeze (consumer requested) or is it locked down for that purpose as well. Any disadvantages in locking down in terms of improving scores. Is it a bad idea for someone with a thin file?
by aerofreaky11
Fri Feb 06, 2015 5:34 pm
Forum: Personal Consumer Issues
Topic: Cable Modem
Replies: 19
Views: 2501

Re: Cable Modem

Remember some of the cable companies have been known to charge for a modem...even after you return it. Save the receipt and check your bill!
by aerofreaky11
Fri Feb 06, 2015 5:20 pm
Forum: Personal Consumer Issues
Topic: Sleeping bags for cold weather
Replies: 30
Views: 3804

Re: Sleeping bags for cold weather

Look for a down (water resistant, naming depends on the TM of the company...) bag with a high number down 600-800+ "fill." There are some amazingly warm bags out there that don't weigh all that much. They aren't cheap... $200-400+ Sierra Designs has a bunch. https://www.sierradesigns.com/sleeping-bags
by aerofreaky11
Sat Jan 17, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: [Purchasing a] shopping cart
Replies: 22
Views: 2923

Re: [Purchasing a] shopping cart

Costco has a quality cart. If you are a member...basically lifetime warranty.
by aerofreaky11
Thu Jan 08, 2015 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 59
Views: 11755

Re: Best online checking account

Thanks for posting topic. I'm still with Everbank, but it might be worth the change depending on what I see here.
by aerofreaky11
Fri Jan 02, 2015 8:22 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 10790

Re: Test drive new vehicle without sales pressure?

Zip Car... lots of models if you are looking for compact or higher end.
by aerofreaky11
Sat Dec 27, 2014 3:58 pm
Forum: Personal Consumer Issues
Topic: Runners, Triathletes, Cyclists,...
Replies: 22
Views: 2778

Re: Runners, Triathletes, Cyclists,...

I would imagine you could find a training group associated with NYRR. There are countless "clubs" associated to NYRR and they generally have low annual fees. Find a group focusing on longer races. Many have official trainers and events. I find it possible to get in moderately long runs in NYC, but I...
by aerofreaky11
Fri Dec 26, 2014 5:01 pm
Forum: Personal Consumer Issues
Topic: Any pilots here? [advice for prospective pilot]
Replies: 60
Views: 8196

Re: Any pilots here?

Private SEL with tailwheel endorsement. I started on my commercial MEL, Instrument, etc... but things changed I haven't flown in nearly a decade. NYC is not the place to stay current. I dream of some more hours in a J3. The cub was always the most fun for me. It kind of felt like a flying canoe.
by aerofreaky11
Thu Dec 25, 2014 12:54 pm
Forum: Personal Consumer Issues
Topic: Traveling to Spain - phone, data plan and credit card
Replies: 36
Views: 4489

Re: Traveling to spain - phone, data plan and credit card

Why not contact ATT for your unlock code and use your IPhone with a cheap sim? I'm not sure of the policy for ATT, but with Tmo you can get unlocks after a few months and immediately on some types of purchases.
by aerofreaky11
Mon Dec 01, 2014 8:38 pm
Forum: Personal Consumer Issues
Topic: Health Insurance for 5 Month International Travel
Replies: 9
Views: 1784

Re: Health Insurance for 5 Month International Travel

Always used International Medical Group. Med evac insurance might be a good supplemental depending on your health needs. In my case it was for a shot of better care when in some very remote areas.
by aerofreaky11
Sat Nov 22, 2014 11:17 am
Forum: Personal Consumer Issues
Topic: Seeking a Cellphone Change
Replies: 20
Views: 2880

Re: Seeking a Cellphone Change

I just did the switch from Tmo to Cricket. MUCH better signal penetration in NYC buildings. I used to lose signal in my kitchen. Now, it works fine there. There are some major promos going on now. I think your only upfront cost would be a sim and the first months service. I ported in and got a $100 ...
by aerofreaky11
Thu Nov 13, 2014 7:27 pm
Forum: Personal Consumer Issues
Topic: Chip and Pin: busted by hackers before it's even here
Replies: 17
Views: 2222

Re: Chip and Pin: busted by hackers before it's even here

There are two different type of smart chips... Is this piece about the "tap to pay" style "smart chip?" The cards issued in the EU etc... are read via contact in a special reader, no RF transmission?
by aerofreaky11
Sat Nov 08, 2014 6:27 pm
Forum: Personal Consumer Issues
Topic: Merc or BMW?
Replies: 60
Views: 9675

Re: Merc or BMW?

You're considering two very different types of beasts with German heritage. MB's drive smoother and are more "boring." The BMWs drive harder and stiffer. There were suggestions to look at Audi models. I don't disagree. Those will fit on the BMW side of things especially if it's an S. I would suggest...
by aerofreaky11
Mon Nov 03, 2014 8:52 pm
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 9160

Re: Money saved by buying a hybrid or electric car?

Factor in time savings. I spend less than 5 minutes every two weeks at a gas station. In my Jetta Turbo it was 10 minutes at least once a week. Additionally, I have found the normal maintenance for my hybrid to be cheaper. I made it to nearly 150k before needing break pads. Compare that to previous ...
by aerofreaky11
Thu Oct 23, 2014 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: EverBank
Replies: 13
Views: 3730

Re: EverBank

I've used Everbank as my primary checking account for years. They reimburse for atm fees and I earn interest. All assistance I have needed has been friendly and prompt.
by aerofreaky11
Fri Oct 10, 2014 7:37 pm
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 8185

Re: Couch Surfing

I met my wife on CS. It was a fluke... the person I was supposed to stay with (a guy) canceled on me a few hours before meeting and I found a replacement (my future wife.) I didn't end up staying over because of an early flight, but she showed me her city during my lay over. I also have several life...
by aerofreaky11
Wed Oct 08, 2014 4:14 pm
Forum: Personal Consumer Issues
Topic: Wooden Fence Cost? Board on board.....
Replies: 14
Views: 2550

Re: Wooden Fence Cost? Board on board.....

15 year + stain is available. Don't go cheap. Behr has a 15-25 year product. Even more expensive brands are avail. Check a Consumer Report magazine at the library for the latest and best rated.
by aerofreaky11
Sun Sep 21, 2014 5:31 pm
Forum: Personal Consumer Issues
Topic: Car registration & driving across the country
Replies: 14
Views: 1890

Re: Car registration & driving across the country

Make sure you buy it in a CARB state... NJ is one... if you want to have the extended battery warranty 10 years/ 150k miles... Sale and continuous registration in CARB states is required.
by aerofreaky11
Sat Sep 13, 2014 7:50 am
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 7809

Re: Clean, quiet, safe and cheap. Is there such a travel pla

I read somewhere that there is a lot of kidnapping in ColOmbia. Is that not true? :confused Take a look at some more recent facts about Colombia. The areas I suggested are safe. Just like there are areas in the US you would probably not want to visit, down the road the picture is completely differe...
by aerofreaky11
Fri Sep 12, 2014 7:46 pm
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 7809

Re: Clean, quiet, safe and cheap. Is there such a travel pla

How about the highland plateau of Colombia. 50-70 daily. Quiet, nice people. How about a small city like Suesca, Zipicon, Villa De Leyva, or Facatativa? All are an affordable taxi (or cheap bus) ride from Bogota's airport. I think you would be pleasantly surprised with the daily life. There are alwa...
by aerofreaky11
Fri Aug 22, 2014 9:50 am
Forum: Personal Consumer Issues
Topic: Global entry and Nexus (not the phone)
Replies: 16
Views: 1822

Re: Global entry and Nexus (not the phone)

Look good for the picture that you will have to live with for the next five years.
Unless if you request a "Global Entry Card" which seems to be pretty much useless, you'll never see that photo again. They use it internally for the kiosk to match your photo.
by aerofreaky11
Sat Aug 16, 2014 11:25 am
Forum: Personal Consumer Issues
Topic: How to value house with unwanted tennis court
Replies: 24
Views: 7826

Re: How to value house with unwanted tennis court

Not a hazardous material. Someone with a dozer could dig a hole and you could dump it and build a berm?
by aerofreaky11
Sat Jul 12, 2014 11:30 am
Forum: Personal Consumer Issues
Topic: Solar panels, are they worth it?
Replies: 53
Views: 9963

Re: Solar panels, are they worth it?

I have to agree that insulation is the first step. You're describing issues on the 2nd floor. Get as much insulation as you can in there and research powered thermostatically controlled fans etc... I have first hand experience of cutting energy consumption by 1/3 from better insulation. R 19 was a j...
by aerofreaky11
Mon Jun 02, 2014 12:32 pm
Forum: Personal Consumer Issues
Topic: Finding/eradicating a "funky" smell from our Prius
Replies: 20
Views: 9904

Re: Finding/eradicating a "funky" smell from our Prius

Prius is notorious for gathering water in the battery area--cracks in the sealer along roof line are source. Mine was full of about 2 inches of water. I haven't gotten around to sealing the leak, but it is on my list. Get some old rags and sop up the water if you have it and toss some bleach in ther...
by aerofreaky11
Wed May 21, 2014 11:57 am
Forum: Personal Consumer Issues
Topic: Growing Blueberries
Replies: 30
Views: 3612

Re: Growing Blueberries

I have an orchard in VT. I planted 20 blueberry bushes--highbush style safe down to zone 4. My soil is not acid enough naturally, I modified the soil ahead of time using sulfur--a long term project. I have one row planted in frames set in basically a peat and sand mix. That is another way to go. You...