Search found 338 matches

by jasc15
Mon Jul 17, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: gaming the mortgage interest deduction
Replies: 18
Views: 2229

Re: gaming the mortgage interest deduction

Oh, thanks, I misread. The other variable is the amount financed to keep total payments the same.
by jasc15
Mon Jul 17, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: gaming the mortgage interest deduction
Replies: 18
Views: 2229

Re: gaming the mortgage interest deduction

How can the term and monthly payment remain constant with varying interest rate?
by jasc15
Mon Jul 17, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: Is that one of the longest bull market?
Replies: 10
Views: 1159

Re: Is that one of the longest bull market?

I'm waiting for the bear to come so I can possibly buy a house. No way am I buying right now. Insane out there. Where have you been looking? We have been looking in New Jersey and it's totally insane. We placed our first ever offer and were blown out of the water by about $40k. We visited friends o...
by jasc15
Thu Jul 13, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Best way to buy a iPAD
Replies: 13
Views: 1410

Re: Best way to buy a iPAD

This is several years ago, but I bought an ipad from best buy and they were offering a $50 gift card at the time. That seems to be the closest thing to a sale for an ipad. Fortunately I had an immediate use for the gift card; normally I would have no use for it. There are likely similar promotions o...
by jasc15
Tue Jul 11, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 71
Views: 7659

Re: [Amazon Prime Day]

I've been considering a tablet for a few weeks now, and may jump on the Fire HD8 for $65.
by jasc15
Wed Jun 28, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Slide rule anyone?
Replies: 88
Views: 7650

Re: Slide rule anyone?

My dad has several slide rules. I learned the basics of how to use them. What really stuck with me was his advice to use RPN calculators (not seen much these days). Relatedly, I have a planimeter, which to this day remains my favorite application of Stokes' Theorem . Does anyone else have these? My...
by jasc15
Mon Jun 26, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Slide rule anyone?
Replies: 88
Views: 7650

Re: Slide rule anyone?

I have a K&E Deci-Lon slide rule in my desk drawer. I had it up on my cubicle wall labeled "backup computer" for a while. Im 34 so never had any use for one in my life, but was given this one by my uncle. I studied the book it came with, a hardcover 5"x8" book of 186 pages. I...
by jasc15
Mon Jun 26, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Anyone else getting priced out of Volvo market?
Replies: 19
Views: 1791

Re: Anyone else getting priced out of Volvo market?

We bought a used 2007 V50 for about $10k in 2014. We really like it, and considered replacing it with its contemporary, the V60. Even used, these things are mid $20k. yikes. I hope their service center doesn't follow along with its pricing, because I need a timing belt change on that V50. You mentio...
by jasc15
Sat Jun 17, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Formula for increasing payment over life of loan
Replies: 3
Views: 383

Re: Formula for increasing payment over life of loan

Read about "uniform gradient". A payment that increases by a fixed amount with each period.
by jasc15
Fri Jun 16, 2017 1:30 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Executive Services?
Replies: 3
Views: 815

Re: Fidelity Executive Services?

Sounds like you are paying $500/year anyway for the plan.
by jasc15
Wed Jun 14, 2017 8:10 am
Forum: Investing - Theory, News & General
Topic: Poll: 401K Match
Replies: 99
Views: 16520

Re: Poll: 401K Match

100% of first 3% of salary.
50% of next 3% of salary.

So effectively a max of 4.5% of salary.
by jasc15
Tue Jun 13, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 75
Views: 3429

Re: How many tech devices do you have?

2 phones, TV, desktop PC. We also have an unused laptop in a closet somewhere. Our son is a year old, so nothing for him yet. Not sure how we will proceed as he gets older.
by jasc15
Fri May 12, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: Excel Macro using Yahoo Finance- not working
Replies: 26
Views: 3241

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: 3528

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: 5060

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: 1110

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: 1110

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: 1905

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: 1418

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: 3504

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: 3504

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: 2996

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: 1579

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: 780

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: 780

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: 5964

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: 2547

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: 4515

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: 655

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: 655

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: 5856

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: 3327

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: 3327

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: 324

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: 3308

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: 6890

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: 19324

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: 1730

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: 2930

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: 2848

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: 12780

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: 941

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: 2251

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: 15136

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: 15136

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: 15136

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: 1786

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: 1786

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: 1786

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: 1786

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 ...

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