Search found 302 matches

by jasc15
Tue Dec 06, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 117
Views: 9040

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: 1293

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: 2442

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: 2357

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: 10314

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: 782

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: 1464

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: 96
Views: 8728

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: 96
Views: 8728

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: 96
Views: 8728

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: 1593

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: 1593

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: 1593

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: 1593

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: 96
Views: 8728

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: 96
Views: 8728

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: 96
Views: 8728

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: 2211

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: 1412

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: 1412

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: 921

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: 921

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: 1664

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: 111
Views: 7187

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: 3812

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: 2233

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...
by jasc15
Fri Sep 09, 2016 3:13 pm
Forum: Investing - Theory, News & General
Topic: Wall St. Nuclear Meltdown
Replies: 62
Views: 8939

Re: Wall St. Nuclear Meltdown

Remember Brexit? Ancient history, I guess...

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by jasc15
Wed Sep 07, 2016 10:21 am
Forum: Personal Finance (Not Investing)
Topic: How to Think About Money?
Replies: 39
Views: 4347

Re: How to Think About Money?

A dollar represents a small piece of your finite life's time. When you spend it, you never get it back. You don't get another one next pay period, because that one represents another small piece of your life's time. Spend them wisely.
by jasc15
Fri Sep 02, 2016 9:09 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1086
Views: 184931

Re: What are you up YTD? [Year To Date]

63% stock/10% bond/27% cash

YTD 5.6%

Heavy in cash due to CD's for house down payment. That number has been rolled up into my calculations for so long that it's too much trouble right now to figure without.
by jasc15
Sat Aug 27, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: *Tech Questions* How do you keep track of your life?
Replies: 33
Views: 3393

Re: *Tech Questions* How do you keep track of your life?

Mike Scott, you are comparing a perfect analog archiving system with a deficient digital one. Even digital photos that are never touched out of the camera are at least time-stamped. I have shoe boxes full of old family photos but once our family patriarch dies, nobody will be able identify the peopl...
by jasc15
Wed Aug 24, 2016 7:12 pm
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 176
Views: 33759

Re: Frugality regret: What thing do you regret not spending on?

I also regret not taking the train from Lauterbrunnen up to JungFrauJoch and the other high peaks when I was on my honeymoon in Switzerland. It seemed expensive at the time, but it was probably worth it. If we go back someday (and we would like to), I will not make that mistake twice. I've been 3 t...
by jasc15
Wed Aug 24, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: *Tech Questions* How do you keep track of your life?
Replies: 33
Views: 3393

Re: *Tech Questions* How do you keep track of your life?

I have a DSLR that is always handy, and every few weeks when I get around to it i just dump the photos onto my hard drive. I just have folders labeled by quarter, like "Summer, 2016" and dump in there. For video and photo sharing with family the cell phone is best because you can just fire...
by jasc15
Wed Aug 24, 2016 7:44 am
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 176
Views: 33759

Re: Frugality regret: What thing do you regret not spending on?

A mix of heavy and light regret in this thread. My recent (light) regret was a camera lens that I had on my list for about a year or so. It is a nikkor 35mm f/1.8 lens whose price has been nearly etched in stone at $196 as long as I have been eyeing it. About a month ago it was for some reason reduc...
by jasc15
Sun Aug 21, 2016 7:41 am
Forum: Personal Consumer Issues
Topic: NYC area bogleheads? temp housing question
Replies: 9
Views: 766

Re: NYC area bogleheads? temp housing question

I'm not sure there is one"federal building" in Manhattan, but depending on where it is, there are options outside of Manhattan that have easy access, lower rents and reasonable public transit times. If it's in lower Manhattan, Staten island might be a place to look since there is frequent ...
by jasc15
Thu Aug 18, 2016 7:35 am
Forum: Personal Consumer Issues
Topic: What non-fiction tv shows or movies you like to stream on netflix, hulu ,and amazon?
Replies: 22
Views: 2233

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

Top Gear and Anthony Bourdain's travel/food shows. Both on Netflix. These are my two current favorites on Netflix. Sadly, I've watched every Top Gear currently available, and I'd rather not figure out how many hours that's been. These are also the two shows that both my wife and I enjoy and can wat...
by jasc15
Wed Aug 17, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 102
Views: 12917

Re: Costco rotisserie chicken

Rotisserie chicken at Costco is a $30M to $40M/year loss leader for them, and is one of the few retailers where it is actually cheaper to buy a cooked chicken than to buy raw and cook yourself. “I can only tell you what history has shown us,” Richard Galanti, Costco’s chief financial officer, told a...
by jasc15
Sun Aug 07, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: new smart phone - are all Androids like this??
Replies: 9
Views: 975

Re: new smart phone - are all Androids like this??

Ugh, I have the same problem on my Moto G. I uninstalled the Google app (or, rather, uninstalled its updates) a while ago and I think it "fixed" that, but the search bar at the top of the home page wouldn't work (which I never used anyway)
by jasc15
Wed Aug 03, 2016 3:41 pm
Forum: Personal Consumer Issues
Topic: Suckered into Marriott Kauai Timeshare Presentation
Replies: 101
Views: 11546

Re: Suckered into Marriott Kauai Timeshare Presentation

Coming away from a 90 minute sales pitch would probably spoil my vacation, maybe just my day. Hard to sit there and be totally glib and unaffected at all. It would be a topic of conversation between myself and SO afterwards and probably not in a good way. Just the time to talk about it would be an ...
by jasc15
Fri Jul 29, 2016 10:44 am
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 102
Views: 12917

Re: Costco rotisserie chicken

by jasc15
Wed Jul 27, 2016 8:53 pm
Forum: Personal Consumer Issues
Topic: Buying a used DSLR Suggestion
Replies: 37
Views: 2625

Re: Buying a used DSLR Suggestion

The D3X00 is the comparable camera these days to the old D40, where the D5X00 is one rung above that. Reading comparisons between the two indicates that the differences aren't very noticeable except by really technical and rather useless analyses as well as some user friendly features (higher resolu...
by jasc15
Mon Jul 25, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: What kind of apartment can $1k get you in your city?
Replies: 80
Views: 6355

Re: What kind of apartment can $1k get you in your city?

Quick check on Zillow shows nothing available for <= $1000 in my town. Two hits for $1100, one BR, one bath: http://photos3.zillowstatic.com/p_c/IS6qfjn4uh8tce0000000000.jpg http://photos2.zillowstatic.com/p_f/ISewhv5bypgqce0000000000.jpg About a year and a half ago, I was paying a bit over $1100 fo...
by jasc15
Thu Jul 07, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: Anyone else make things for their own use?
Replies: 42
Views: 3878

Re: Anyone else make things for their own use?

About 6 years ago, I attempted to build a working wooden pendulum clock of my own design. There are kits you can buy and assemble (which I also did), and designs you can buy and make yourself, but I wanted to design and build my own 100%. I don't mean making a clock cabinet and buying a movement to ...
by jasc15
Thu Jul 07, 2016 8:21 am
Forum: Personal Finance (Not Investing)
Topic: How many "investment" accounts do you have?
Replies: 35
Views: 2852

Re: How many "investment" accounts do you have?

I have money at 3 institutions, with several sub accounts in each: Capital One 360 ⋅ Checking ⋅ General Savings ⋅ Emergency Fund ⋅ Gifts ⋅ Flying ⋅ Vacation ⋅ Shared Savings ⋅ Home Down Payment 3 CD's 1 Regular Savings F...
by jasc15
Mon Jun 27, 2016 12:34 pm
Forum: Personal Consumer Issues
Topic: Reducing Electric Bill- Point of Diminishing Returns?
Replies: 34
Views: 3742

Re: Reducing Electric Bill- Point of Diminishing Returns?

it would be ~$5,500. At the end of his pitch he said all of those improvements would save me 5% of my energy bill. My average total energy bill (gas and electric) is ~150/month averaged over three years. So with a 5% savings it would take me 61 years to recoup the initial investment. Sounds like yo...
by jasc15
Mon Jun 27, 2016 12:28 pm
Forum: Investing - Theory, News & General
Topic: Plunge and Panic-Do You Get It Now?
Replies: 108
Views: 13020

Re: Plunge and Panic-Do You Get It Now?

I've been contributing to a 401k since 2006, but only started paying attention in early 2012 when I started reading this forum. Even in that short 4 year time period, this event barely shows up on the S&P chart.

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Up 42% in that period.
by jasc15
Mon Jun 27, 2016 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Move $ from 401K to Roth
Replies: 6
Views: 660

Re: Move $ from 401K to Roth

This is a timely thread for me. My mother has been out of work on disability for a while now, and will have no earned income for this year. I was thinking of having her take distributions from her existing 401k and pay the tax this year, but I hadn't considered that she could do a Roth conversion of...
by jasc15
Wed Jun 22, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: Headphones, consumerism, and escalation of "needs"
Replies: 55
Views: 4756

Re: Headphones, consumerism, and escalation of "needs"

This sounds like me with every single purchase I consider. Fortunately I often get burned out by this process and experience the full novelty phase without ever having to actually buy the thing. For example, I spent a full month researching radio controlled helicopters, maybe 50 hours or so. I noti...
by jasc15
Wed Jun 22, 2016 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Program
Replies: 10
Views: 558

Re: Employee Stock Purchase Program

I participate in mine. The holding period is 30 days, and purchases are made twice a year. Selling fees are something like $20 plus a few cents/share if I recall correctly. Of course there is no certainty that the stock won't tank 15% in that 30 day time period, but it's worked out pretty well so fa...
by jasc15
Wed Jun 22, 2016 8:59 am
Forum: Personal Consumer Issues
Topic: Headphones, consumerism, and escalation of "needs"
Replies: 55
Views: 4756

Re: Headphones, consumerism, and escalation of "needs"

This sounds like me with every single purchase I consider. Fortunately I often get burned out by this process and experience the full novelty phase without ever having to actually buy the thing. For example, I spent a full month researching radio controlled helicopters, maybe 50 hours or so. I notic...
by jasc15
Wed Jun 15, 2016 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 70
Views: 7491

Re: Who has needed to use their umbrella insurance?

dustyroyal819 wrote:Am I blind?!? Where do you see how many reads?


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