Search found 354 matches

by jasc15
Thu Nov 16, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 101
Views: 7074

Re: Has used furniture dropped in value dramatically?

How expensive? More than a couple grand? It's been a few months since I've read anything about it, but the brands I came across at the time were Wesley Hall, Bradington-Young, Taylor King, which sofas in the $3000 range. They aren't easily priced online, and I haven't gone to the point of visiting ...
by jasc15
Thu Nov 16, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 101
Views: 7074

Re: Has used furniture dropped in value dramatically?

This whole thread is making me reconsider my thoughts on expensive sofas. Do I really need the "eight way hand tied" sofa with kiln dried hardwood frame for 2x or 3x the cost of an adequate sofa? Justifying that quality furniture "holds its value" isn't really good enough, plus I will end up stressi...
by jasc15
Thu Nov 02, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6068

Re: Spam calls to cell phone...

mrc wrote:
Thu Nov 02, 2017 9:56 am
This has been happening on my land line for a couple months, where the area code and exchange matches, with a random last 4. For example, say I live in Iowa and my number is 712.322.1234. The call will come in 712.322.xxxx.
My wife recently got a call from her exact number.
by jasc15
Thu Oct 26, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Dental Question [Is recommended procedure legit?]
Replies: 14
Views: 1794

Re: Dental Question [Is recommended procedure legit?]

I had a similar experience with a new dentist, but my situation was a bit different. I hadn't been to a dentist since I moved 4 years prior, but wasn't concerned about the checkup since my old dentist always said everything was OK. New dentist found 6 cavities, recommended deep clean (aka scaling an...
by jasc15
Mon Sep 18, 2017 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Best Way to pay student loans
Replies: 4
Views: 481

Re: Best Way to pay student loans

As I understand it, interest accrues in deferment. If you have the cash to save, you would be better off putting toward the loan, since that interest rate is almost certainly higher than whatever you can get in a savings account.
by jasc15
Fri Sep 08, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 49878

Re: Equifax says info stolen. What's my best course of action?

The C-suite at Equifax also sold their shares after they know about the breach and before the information could reach the public. Is this insider trading? Certainly would appear to be, at least based on the limited information that is currently public. Executives / officers of publicly traded compa...
by jasc15
Wed Sep 06, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: Rental Car, best options
Replies: 22
Views: 2925

Re: Rental Car, best options

Something I've been meaning to ask my insurance company: The last time I rented I declined the insurance. Usually the rep just says OK, I take the keys, sign and leave. But this last guy pushed on it a bit, when I replied that I have confirmed with my insurance company that I would be covered by the...
by jasc15
Tue Sep 05, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: Seattle in 3 days
Replies: 38
Views: 2865

Re: Seattle in 3 days

I spent about 20 hours in Seattle once, and most of that was sleeping which only gave me enough time to visit the space needle. Views were great, but not much else notable about it. I dont have much useful information other than the "36 hours in..." feature from the NY Times. https://www.nytimes.com...
by jasc15
Tue Sep 05, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Service organizations/Dinner clubs?
Replies: 10
Views: 1021

Re: Service organizations/Dinner clubs?

When I moved to the area I live in now, I joined a flying club since I had recently got my pilot license and wanted to continue to fly. Like someone above mentioned, most social club members are "advanced in age", but there were a few around my age (I first joined at 28). I don't make friends easily...
by jasc15
Fri Sep 01, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Aerospace Stress Engineer Salary History
Replies: 13
Views: 3187

Re: Aerospace Stress Engineer Salary History

I am also an ME stress analyst in aerospace. Thanks for creating this thread. Good perspective.
by jasc15
Tue Aug 29, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: House purchase under contract. Nervous about each step.
Replies: 9
Views: 1064

Re: House purchase under contract. Nervous about each step.

I'd be very surprised if your attorney did not deposit your check into into his "clients escrow account" There are some hard and fast rules on what can be done with that money and how it can be disbursed. Does that means it 100% safe? The answer is no, but 99.9% of the time things go well. This is ...
by jasc15
Tue Aug 29, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: House purchase under contract. Nervous about each step.
Replies: 9
Views: 1064

Re: House purchase under contract. Nervous about each step.

The point of "escrow" ordinarily to prove the money is really there, not just some check that may or may not be good, etc. Right. Which is why I don't think its enough for them to hold an unverified check, but I am second guessing everything. If you don't trust your own attorney to handle the money...
by jasc15
Tue Aug 29, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: House purchase under contract. Nervous about each step.
Replies: 9
Views: 1064

House purchase under contract. Nervous about each step.

My wife and I have an accepted offer on a house in New Jersey, and have completed attorney review. For some reason (apparently this is not typical) our attorney is the escrow officer. We are initially putting half of our 20% down payment into escrow as a deposit. We were instructed to make the check...
by jasc15
Fri Aug 04, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: "National Parks senior passes in short supply."
Replies: 34
Views: 3904

Re: "National Parks senior passes in short supply."

I drove from New York to Nashville last week, stopping at Shenandoah National park as a detour. Saw the $25 entrance fee and then the $10 senior pass right on the sign. Since we had our mother with us, she got hers from the ranger in about 30 seconds. Too bad she will likely never use it again.
by jasc15
Wed Aug 02, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Burned out at 28. Do I have enough?
Replies: 62
Views: 10245

Re: Burned out at 28. Do I have enough?

Treat this as an (early) mid-life crisis. - Take a vacation - Have a fling - Buy a red sports car. Then get back to work. I quit a reasonably well paying job at 27 with no definite plan for the future. I was living with my parents still, but continued contributing to the house. I spent that summer ...
by jasc15
Wed Aug 02, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Cabins - "investments" or "consumptive purchases"
Replies: 38
Views: 3319

Re: Cabins - "investments" or "consumptive purchases"

This makes me think we're in a housing bubble. Not related to the OP, but your comment reminded me of my recent visit to Nashville. A LOT of people are moving there and there is an enormous amount of residential construction. A neighbor of a friend who lives there mentioned that they want to buy an...
by jasc15
Mon Jul 17, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: gaming the mortgage interest deduction
Replies: 18
Views: 2525

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: 2525

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: 1392

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: 1632

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: 87
Views: 10239

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: 8575

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: 8575

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 learned how to use the ...
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: 2132

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: 474

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: 925

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: 17760

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: 74
Views: 4395

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: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 242
Views: 19450

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: 4412

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: 6462

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: 1199

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: 1199

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: 2038

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: 1545

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: 3808

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: 3808

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: 3208

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: 1706

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: 916

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: 916

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: 6449

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: 2740

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: 5082

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: 722

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: 722

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: 6323

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: 3649

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: 3649

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! m During the Manhattan Project, it was discovered that over 5000 tons of copper would be needed for uranium isotope separation. Due to the wartime shortage, they realized s...
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: 349

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...