Search found 326 matches

by jasc15
Fri May 12, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: Excel Macro using Yahoo Finance- not working
Replies: 19
Views: 1690

Excel Macro using Yahoo Finance- not working

The Python thread reminded me. About a year ago I found an excel macro on the web that creates an function to grab stock prices from Yahoo Finance. The last few weeks, I've noticed that the macro no longer grabs those prices. Anyone else use this and notice that it isn't working?
by jasc15
Fri May 12, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 2996

Re: Price for brakes and rotors?

For another data point, I recently had an independent shop on Long Island do front and rear brake pads and rotors for $600 paid cash. They initially quoted me $850.
by jasc15
Tue May 09, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 4340

Re: What newspaper or magazine do you pay for?

I subscribed to the NY Times home weekend delivery about 5 months ago, which also gives me unlimited online access. I thought it would be nice to read a physical paper than staring at a phone or computer screen, especially for long reads. Since I have a young child, i almost never have time to even ...
by jasc15
Wed Apr 26, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy points on this mortgage?
Replies: 9
Views: 1016

Re: Should I buy points on this mortgage?

I simply found the time where the difference in total interest paid between both scenarios was equal to $7933. I'll look more closely at my spreadsheet for a more complete answer. I also didn't consider that it was an ARM, which shouldn't matter under 7 years. Here is the first 6 months amortization...
by jasc15
Tue Apr 25, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy points on this mortgage?
Replies: 9
Views: 1016

Re: Should I buy points on this mortgage?

A quick check on my spreadsheet (someone check my math) shows that the lower rate will save you $6000 + $1933 = $7933 in 4 years 4 months.
by jasc15
Tue Apr 18, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is doing an Ask Me Anything (AMA) on Reddit Today
Replies: 6
Views: 1816

Re: Mr. Money Mustache is doing an Ask Me Anything (AMA) on Reddit Today

Has this account been verified by the moderators? I know that is common for AMA's.
by jasc15
Sun Apr 09, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: Planning Scandinavia trip
Replies: 18
Views: 1309

Re: Planning Scandinavia trip

Are overnight trains an option? Your train rides are 5, 8, and 6 hours. That would free up useful daylight hours.
by jasc15
Tue Apr 04, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: House buying- How to think about property taxes?
Replies: 39
Views: 3318

Re: House buying- How to think about property taxes?

Thanks to all for the comments. Lots of varied and useful discussion here. I was considering separately the property taxes and purchase price because one is recurring and the other a non-recurring expense (if you can really consider a mortgage non-recurring). Effectively over 30 years, it is one com...
by jasc15
Thu Mar 30, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: House buying- How to think about property taxes?
Replies: 39
Views: 3318

House buying- How to think about property taxes?

In looking for houses at the same price, say $350,000, property taxes seem to range from $7000 to $11,000 annually in my region of northern New Jersey. Its not really a question of affordability since I can technically "afford" to spend $11,000 a year in taxes, but I balk at such numbers. ...
by jasc15
Thu Mar 23, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Where's the sweet spot in the cost/benefit curve for floor speakers?
Replies: 40
Views: 2820

Re: Where's the sweet spot in the cost/benefit curve for floor speakers?

Man, we've got experts in every hobby on this forum.. I would like to tap into the expertise shown in this thread without derailing too much from the OP. I have a pair of JBL L166 "bookshelf" speakers from the mid 70's (12" woofer, 5" mid, 1" tweeter). I've read good things ...
by jasc15
Wed Mar 22, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: How do I share internet with my neighbor?
Replies: 17
Views: 1485

Re: How do I share internet with my neighbor?

Reminds me of an article I remember from several years ago. Turns out it was from mr money mustache, who is mentioned here and there on this forum.

http://www.mrmoneymustache.com/2012/05/ ... e-company/

I don't know how applicable this is 5 years later.
by jasc15
Wed Mar 15, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Cool Budget Tool
Replies: 6
Views: 717

Re: Cool Budget Tool

Yeah, after seeing this thread I searched and found google sheets Sankey chart add-on. Doesn't look like the OP, though
by jasc15
Wed Mar 15, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Cool Budget Tool
Replies: 6
Views: 717

Re: Cool Budget Tool

May I ask what software you used to generate this? Excel doesn't have such a tool.
by jasc15
Wed Mar 15, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 5587

Re: What to do with $100???

When I can't decide what to do with gift money like that, it ends up in my petty cash and usually spent on food or beer or something.
by jasc15
Mon Mar 13, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: How Many Contribute To A Retirement Fund But Never Invest
Replies: 21
Views: 2421

Re: How Many Contribute To A Retirement Fund But Never Invest

My father did that for a while with an IRA at a credit union.
by jasc15
Mon Mar 13, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: How many pairs of jeans do you own?
Replies: 64
Views: 4137

Re: How many pairs of jeans do you own?

2 good jeans
4 crappy jeans for car repair, etc
12 white undershirts. This gets me 2 weeks without having to do laundry.
>12 boxers for the same reason

For work
4 pants,
5 or 6 dress shirts
A few sweaters
by jasc15
Wed Mar 01, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: How to allocate mother's taxable assets for retirement?
Replies: 5
Views: 625

Re: How to allocate mother's taxable assets for retirement?

Thanks to all for the advice. She is in a low tax bracket, so it makes sense that bonds in taxable wouldn't have much impact. Also, I was not aware of the Fidelity Freedom Index funds. Great idea.
by jasc15
Fri Feb 24, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate mother's taxable assets for retirement?
Replies: 5
Views: 625

How to allocate mother's taxable assets for retirement?

My mother is 63 and not working. Her needs with regard to the below assets are still a bit uncertain, since her return to work is questionable, and her current situation doesn't require access to this money for an estimated 1 to 3 years from now. I'm avoiding dollar amounts here, which may limit the...
by jasc15
Wed Feb 22, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Does anyone else have (possibly too much) fun dealing with finances?
Replies: 69
Views: 5564

Re: Does anyone else have (possibly too much) fun dealing with finances?

I enjoy playing with spreadsheets more than I do specifically dealing with my finances. However I did somewhat enjoy doing my taxes this year because it was my first time using tax software. I liked following the workflow, seeing the direct results of my inputs and learning more about income taxes i...
by jasc15
Wed Feb 22, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Gold vs 401k
Replies: 45
Views: 3152

Re: Gold vs 401k

Toons wrote:Gold "produces" nothing.
Invest in Companies that grow earnings over time,,via
Index Funds. :happy

:D But joking aside, how directly is my ownership of a fund's underlying assets verified? It seems a bit easier to demonstrate my ownership of a company when owning individual stock.
by jasc15
Thu Feb 16, 2017 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Gold vs 401k
Replies: 45
Views: 3152

Re: Gold vs 401k

Gold and silver do not produce a product, provide a service, generate earnings, or pay a dividend. But they can help win wars! https://en.wikipedia.org/wiki/Calutron#Construction During the Manhattan Project, it was discovered that over 5000 tons of copper would be needed for uranium isotope separa...
by jasc15
Thu Jan 26, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Recent Navient news and wife's loan repayments
Replies: 0
Views: 297

Recent Navient news and wife's loan repayments

My wife recently paid off her student loans, some of which were held by Navient. When she decided to make excess payments, she asked if they could be applied toward principal, and was told that they would be applied toward future payments. She continued overpayment until they were finished, and assu...
by jasc15
Tue Dec 13, 2016 11:56 am
Forum: Investing - Theory, News & General
Topic: DOW 22000?!?!
Replies: 26
Views: 3185

Re: DOW 22000?!?!

Some record highs from the last 10 years. Each line I drew shows that no peaks to the left are higher. What's special about the most recent one?

Image
by jasc15
Mon Dec 12, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Ideal two vehicle combo?
Replies: 73
Views: 6683

Re: Ideal two vehicle combo?

I always thought 2 identical vehicles would be nice, but reading through this thread it is apparent that some appreciate varying capabilities.
by jasc15
Tue Dec 06, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 142
Views: 18257

Re: TaxAct pre-purchase discount

With respect to some posters' concerns about data security using the online version instead of the download version, would there be any difference? Even with the download version, wouldn't your information still pass through TaxAct's servers?
by jasc15
Tue Nov 29, 2016 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer pay for continuing education?
Replies: 27
Views: 1598

Re: Does your employer pay for continuing education?

Yes. Our company was sold a few years ago, and the previous company's policy was excellent, and current company's is very good. I utilized the tuition reimbursement program with both. First company paid all tuition up front, including books. There was an annual limit that I don't remember, and a tot...
by jasc15
Thu Nov 17, 2016 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: In total how much have you earned in credit card rewards?
Replies: 32
Views: 2803

Re: In total how much have you earned in credit card rewards?

Maybe about $1000 since 2008. I use the AMEX blue card which gives 1 mile/dollar, and 7500 miles is good for $100 toward travel purchases (so 1.33% reward). I know there are better cards out there, with sign-up bonus miles, etc., but I don't want to be encouraged to spend more. However, I've been co...
by jasc15
Tue Nov 08, 2016 8:32 am
Forum: Personal Consumer Issues
Topic: Best way to visit NYC from DC
Replies: 33
Views: 2751

Re: Best way to visit NYC from DC

Another vote for Amtrak. If you take an early departure there is less likelihood of being delayed, which is not uncommon later in the day.
by jasc15
Wed Nov 02, 2016 12:11 pm
Forum: Investing - Theory, News & General
Topic: Slipping last few days- time to buy now or wait until after 11/8?
Replies: 99
Views: 12352

Re: Slipping last few days- time to buy now or wait until after 11/8?

If you're investing for the long term a few points up or down now should be insignificant 20-30 years from now. Here is a picture to illustrate this: This volatility... http://i.imgur.com/toOfC0R.png ...shown in a 21 year context (between the red lines). http://i.imgur.com/PQa2MUP.png
by jasc15
Wed Nov 02, 2016 8:15 am
Forum: Personal Consumer Issues
Topic: New York Thanksgiving day parade suggestions
Replies: 7
Views: 897

Re: New York Thanksgiving day parade suggestions

I can't even imagine taking a car anywhere near Manhattan on that day. Its hard enough on a regular weekend. I would go mass transit.
by jasc15
Sun Oct 30, 2016 8:46 pm
Forum: Personal Consumer Issues
Topic: How Long should Updates for Windows 10 take to load??
Replies: 22
Views: 1937

Re: How Long should Updates for Windows 10 take to load??

Is it taking a long time but eventually updating at some point, or are you stopping the process? I ask because I can leave mine for hours and hours (overnight on several occasions) and there is no progress. In fact it will freeze and become unresponsive. I found through some web searching that unins...
by jasc15
Sun Oct 30, 2016 5:57 am
Forum: Investing - Theory, News & General
Topic: NY Times first in a series about 403(b)s with public K-12
Replies: 121
Views: 14393

Re: NY Times first in a series about 403(b)s with public K-12

I just cannot image professionals doing this and saying with a straight face that they are doing something ethical and good for teachers. As the article mentions, and I would suspect it's true: “No agent selling these or investors buying these has the foggiest idea of how these work,” said Mr. McCa...
by jasc15
Sat Oct 29, 2016 7:40 pm
Forum: Investing - Theory, News & General
Topic: NY Times first in a series about 403(b)s with public K-12
Replies: 121
Views: 14393

Re: NY Times first in a series about 403(b)s with public K-12

Oh, that makes sense. I guess I didn't realize i visited NYTimes that much this month. Something I recall specifically from reading John Bogle's book (don't recall which one) was the notion of "equity risk premium". High fees resulting in bond-like returns with the risk of equities: Though...
by jasc15
Sat Oct 29, 2016 11:47 am
Forum: Investing - Theory, News & General
Topic: NY Times first in a series about 403(b)s with public K-12
Replies: 121
Views: 14393

Re: NY Times first in a series about 403(b)s with public K-12

Anyone else facing a paywall for this article? The prior two didn't require it, but I've notice a few other unrelated NYTimes articles requiring login.
by jasc15
Mon Oct 24, 2016 2:21 pm
Forum: Personal Consumer Issues
Topic: My recent car buying experience.
Replies: 13
Views: 1715

Re: My recent car buying experience.

I simply considered the doc fee as part of the dealer's quoted price. When I called the dealers back with the best price, I told them that it was the base price plus the doc fee. I didn't disclose what the doc fee was, as it might tip them off as to which dealer the quote came from.
by jasc15
Mon Oct 24, 2016 1:12 pm
Forum: Personal Consumer Issues
Topic: My recent car buying experience.
Replies: 13
Views: 1715

Re: My recent car buying experience.

As it turned out: Zero work yielded the final result of 22,000. $55 reduction came during the finance phase. Lots of work yielded $22,294. My justification for the work is that it validated the "zero work" price. Costco price was for a trim level we wound up not wanting, and that dealer di...
by jasc15
Mon Oct 24, 2016 12:43 pm
Forum: Personal Consumer Issues
Topic: My recent car buying experience.
Replies: 13
Views: 1715

Re: My recent car buying experience.

Since I was miserable for the several days before and during this process, I think my wife would make me reconsider doing this for our next car purchase. Not that it would stop me, though. I couldn't go in with only a single price out of context with the current market conditions.
by jasc15
Mon Oct 24, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: My recent car buying experience.
Replies: 13
Views: 1715

My recent car buying experience.

There are many threads asking for car buying advice and recommendations, and I thought my experience might be useful to some who are looking to buy. My wife and I were considering 3 cars: Mazda 3, Subaru Impreza, and Nissan Altima (different from the others, but I owned one before and liked it). We ...
by jasc15
Sun Oct 23, 2016 8:26 pm
Forum: Investing - Theory, News & General
Topic: NY Times first in a series about 403(b)s with public K-12
Replies: 121
Views: 14393

Re: NY Times first in a series about 403(b)s with public K-12

It was simply a matter of opening my own Vanguard 403(b) account through the Vanguard web site and then filling out my school districts salary reduction form myself with that Vanguard account number on it. Pretty trivial. That is basically all the work the sales people ever do themselves when they ...
by jasc15
Sat Oct 22, 2016 9:19 pm
Forum: Investing - Theory, News & General
Topic: NY Times first in a series about 403(b)s with public K-12
Replies: 121
Views: 14393

Re: NY Times first in a series about 403(b)s with public K-12

Is there a page somewhere on the NY Times site that talks about the planned series, or is there just this article so far? I'd like to bookmark a page to check for new articles.
by jasc15
Fri Oct 21, 2016 9:26 pm
Forum: Investing - Theory, News & General
Topic: NY Times first in a series about 403(b)s with public K-12
Replies: 121
Views: 14393

Re: NY Times first in a series about 403(b)s with public K-12

My wife is an employee in a New Jersey public school, and I tried to get some information about her options on the web. It is nearly impossible. All you can find are forms to enroll in the various plans without information what the plans contain. If the fees are the worst part, the opacity of the pr...
by jasc15
Mon Oct 17, 2016 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of my baby work shower
Replies: 22
Views: 2657

Re: Getting out of my baby work shower

My office has done this in the past. When I told everyone my wife was pregnant, I was worried too. I spoke privately with the office administrator who typically organizes our events and simply told her I don't want any party or other attention. They still circulated a card in which people still cont...
by jasc15
Mon Oct 10, 2016 1:22 pm
Forum: Personal Consumer Issues
Topic: New car: wait for redesigned 2017 to arrive before purchasing 2016?
Replies: 15
Views: 1522

Re: New car: wait for redesigned 2017 to arrive before purchasing 2016?

Thanks to everyone for the replies. to summarize/respond: I was aware of the impending release of the 2017 when my wife and I decided to look at the Impreza, and immediately figured it would be a good thing to get the final model of the current configuration. However the fuel economy of the 2017 is ...
by jasc15
Mon Oct 10, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: New car: wait for redesigned 2017 to arrive before purchasing 2016?
Replies: 15
Views: 1522

New car: wait for redesigned 2017 to arrive before purchasing 2016?

I am planning on buying a 2016 Subaru Impreza. The 2017 is a fairly significant redesign, but is not yet available. I've read some opinions stating that it might be advantageous to wait for the 2017 to arrive, at which point dealers might be more flexible on price to make room for the 2017. Is this ...
by jasc15
Thu Oct 06, 2016 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Ins for Private Pilot
Replies: 9
Views: 1012

Re: Term Life Ins for Private Pilot

I suspect that legally, you could check the box that says you are NOT a pilot if your biennial and medical have expired. But I am not a lawyer, so take my musings as musings. Is this necessary? Why would they even care if there is an aviation exclusion to the policy? Edit: Another question, which m...
by jasc15
Thu Oct 06, 2016 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Ins for Private Pilot
Replies: 9
Views: 1012

Term Life Ins for Private Pilot

I have figured out my life insurance needs for my wife and I, which are the following: Me: 30 year level term, $1,000,000 20 year level term, $500,000 Wife: 30 year level term, $750,000 20 year level term, $500,000 I hold a private pilot certificate, and have checked the group rates offered by the A...
by jasc15
Mon Oct 03, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: How to learn to use Excel?
Replies: 13
Views: 1754

Re: How to learn to use Excel?

Once I was shown that I could actually create equations in a cell (early in college, when i hadn't really used it before), everything stemmed from that. I never found tutorials or classes useful. When I would encounter a situation when I said "there should be a way to do this", and looked ...
by jasc15
Sun Oct 02, 2016 8:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 168
Views: 14875

Re: How Did You Become A Boglehead? What Led You Here?

I started reading some finance blogs like Get Rich Slowly when I realized I needed to learn more about investing for my future, but it all seemed a bit light for me. As I got deeper I ultimately found my way to Early Retirement Extreme , which was quite revolutionary to me and put the term "wag...
by jasc15
Sat Sep 24, 2016 6:15 am
Forum: Personal Consumer Issues
Topic: Would you buy this house in a flood zone? HELP!
Replies: 63
Views: 4185

Re: Would you buy this house in a flood zone? HELP!

I live (rent) in a northern new Jersey town that is 99℅ in a 100 year flood zone. I was here for the hurricane sandy flood and was fortunate to have only lost 2 cars. As my wife and I look for houses to potentially buy, I check the fema flood maps every time, and it is an automatic disqualifier for ...
by jasc15
Mon Sep 12, 2016 12:38 pm
Forum: Personal Consumer Issues
Topic: What non-fiction tv shows or movies you like to stream on netflix, hulu ,and amazon?
Replies: 22
Views: 2609

Re: What non-fiction tv shows or movies you like to stream on netflix, hulu ,and amazon?

There is also a Netflix documentary I caught a few weeks ago called The Best of Enemies . It depicts the public feud and televised debates between Gore Vidal and WIlliam F Buckley during the 1968 Democratic and Republican national Conventions. This was a generation before my time, but having heard o...

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