Search found 275 matches

by stickman731
Thu Dec 06, 2018 4:58 am
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employees/Deferred Compensation Plans
Replies: 26
Views: 2487

Re: Highly Compensated Employees/Deferred Compensation Plans

Yes to both. Our Deferred Compensation Plan was great until the company was acquired - we had numerous low-cost investment options and once you left the company you had 10 years to draw down the monies (hopefully at a lower tax rate). The new company viewed it is a privilege for selected few and di...
by stickman731
Wed Dec 05, 2018 4:54 am
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employees/Deferred Compensation Plans
Replies: 26
Views: 2487

Re: Highly Compensated Employees/Deferred Compensation Plans

Yes to both. Our Deferred Compensation Plan was great until the company was acquired - we had numerous low-cost investment options and once you left the company you had 10 years to draw down the monies (hopefully at a lower tax rate). The new company viewed it is a privilege for selected few and did...
by stickman731
Mon Dec 03, 2018 4:54 am
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 120
Views: 10864

Re: Retirement itch- when did you get it?

I am a goal oriented person so at 50 I set of goal of retiring at 59 1/2 (401K age). I began educating myself and set up a countdown clock on my phone, work laptop and home desktop. Everyone in work knew about the countdown clock and would occasionally ask about it. I loved my job really enjoying th...
by stickman731
Fri Nov 30, 2018 5:57 am
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 3853

Re: Best new Mac/features for 2000-3000

I do not have specific recommendation but I live in an Apple Universe - iMac, MacBook Pro, AppleTv, iPad, and iPhone. My rule of thumb is always purchase the fastest processor and the most memory. Everyone will argue about the price but my 27" iMac is 9 years old and I never had an issue. When I pur...
by stickman731
Thu Nov 29, 2018 5:25 am
Forum: Personal Consumer Issues
Topic: ideas for a Xmas holiday in central Europe
Replies: 22
Views: 2095

Re: ideas for a Xmas holiday in central Europe

You already got some good suggestions - I liked Cologne / Dusseldorf particularly visiting the Cathedral. With the Christmas markets, take your time and experience slowly. In Vienna, I recommend St. Stephan's Cathedral and taking a tour. I took the Bells and Bones tour climbing the bell town down to...
by stickman731
Tue Nov 27, 2018 4:12 am
Forum: Personal Consumer Issues
Topic: Air heat pump questions (any experts in the community?)
Replies: 24
Views: 1857

Re: Air heat pump questions (any experts in the community?)

My heat pump is approximately ten years old and I have not issues.

I would recommend you check with your local utility to see if they offer any rebates for installing more energy efficient systems. When I replaced my old system, I got a total a $1500 in rebates.

Good Luck
by stickman731
Wed Oct 31, 2018 4:13 am
Forum: Personal Consumer Issues
Topic: Ancestry DNA changed my background
Replies: 32
Views: 4436

Re: Ancestry DNA changed my background

Another thing to remember about DNA is that you get 50% from each parent, but each child gets a different 50%, which explains height, appearance, hair color and many other differences that are apparent between siblings. So if you and all your siblings get tested, you will almost certainly get diffe...
by stickman731
Tue Oct 30, 2018 3:29 am
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5305

Re: People with older car, share your unusual repairs

Two vehicles 1998 Dodge Ram 1500 ~101,000 miles outside of tires, brakes and oil changes - only unusual repairs were from squirrels chewing on gas line twice. Cheap replacement part ($40) but labor cost to drop tank and replace was ~$300 and one water-pump replacement. 2010 Ford Edge SE AWB ~1450,00...
by stickman731
Thu Oct 18, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6639

Re: Did you retire because you hit your number?

My plan was to retire at 59 1/2. I had a countdown clock on my desktop and mobile phone that my close friends knew at work. We got acquired and the takeoff company offered a voluntary severance package. After posting the packaging details here, the Bogleheads convinced me to accepted. It was the bes...
by stickman731
Fri Sep 28, 2018 4:29 am
Forum: Personal Consumer Issues
Topic: 2018 Ford Edge
Replies: 31
Views: 2439

Re: 2018 Ford Edge

Currently own a 2010 Ford Edge AWD with 145,000 miles - no issues other than tires and routine maintenance. It hugs the road well and would buy another.
by stickman731
Mon Sep 10, 2018 4:49 am
Forum: Personal Consumer Issues
Topic: Go to Istanbul next week. Any suggestions
Replies: 50
Views: 3882

Re: Go to Istanbul next week. Any suggestions

There are many good suggestions already given. I do have one recommendation. If you go to the Grand Bazaar, take a picture of the entrance you enter making sure to get the full name. I believe there are 23 entrances many looking similar. There are signs inside that will direct you back to the correc...
by stickman731
Mon Jul 30, 2018 5:01 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Pay Off...best method?
Replies: 23
Views: 3067

Re: Mortgage Pay Off...best method?

Go to the branch and pay it off. Person to Person interaction in my opinion is the best. After paying it off remember to notify your municipal tax collector and your home insurance provider to send you all their documents so you do not get hit with late fees.
by stickman731
Fri Jul 27, 2018 4:50 am
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 11482

Re: Facebook stock in freefall! (20% drop in 1-day)

jef wrote:
Thu Jul 26, 2018 6:15 pm
Facebook just reported 42% revenue growth to 13.2 billion. I'm not a fan but it certainly doesn't look like the end of the world.
I agree. I read a couple of the analyst reports and it just surprise me how little they know or understand about the math of large numbers.
by stickman731
Fri Jul 06, 2018 4:41 am
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 13011

Re: What time do you get up in the morning?

I retired early three years ago and for 30 years I woke up at 5AM. I cannot break it. Typically going to bed around 10:30. No Naps.
by stickman731
Mon Jul 02, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 357
Views: 20209

Re: What are your property taxes?

[/quote]

That’s just Monmouth county, for rest of the state - google DataUniverse.com, you’ll get property taxes, state and federal workers plus a whole lot more.
[/quote]

You need to just change the county in the dropdown menu. It even allows you to download the data.
by stickman731
Sun Jul 01, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 357
Views: 20209

Re: What are your property taxes?

In NJ (Monmouth County), my taxes are ~$10,000/yr. I was recently hit with a $2,000 increase in 2017. In NJ, there is a law on the books that the "rate" can only increased no more than 2% annually without special approval by the state. However, in my area they actually re-accessed the land and stru...
by stickman731
Sun Jul 01, 2018 4:49 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 357
Views: 20209

Re: What are your property taxes?

In NJ (Monmouth County), my taxes are ~$10,000/yr. I was recently hit with a $2,000 increase in 2017. In NJ, there is a law on the books that the "rate" can only increased no more than 2% annually without special approval by the state. However, in my area they actually re-accessed the land and struc...
by stickman731
Wed Jun 20, 2018 4:57 am
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 9236

Re: gray hair

Turning gray since 16 and was completely gray by 35. Never wanted to dye it and glad I am not bald!
by stickman731
Fri Apr 13, 2018 8:00 am
Forum: Personal Finance (Not Investing)
Topic: (Privately) shopping for insurance
Replies: 15
Views: 1771

Re: (Privately) shopping for insurance

One word of caution - make sure you know your coverage in year 1 of the change. I had a friend change home insurance 4 month before Superstorm Sandy to save a few hundred dollars on his policy. After the storm, he had to fight for over four years with added lawyers fees but eventually with help from...
by stickman731
Fri Mar 09, 2018 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Best Mac budgeting and finance tool?
Replies: 16
Views: 1993

Re: Best Mac budgeting and finance tool?

Has anyone used the brand new version of Quicken? Supposed to be much improved finally. Never heard of Bankivity, how do you guys like it vs Quicken? I've used Quicken on Windows for a few years, but now with a MBP I'm thinking about something else.....but I also don't know If I want to drop the mo...
by stickman731
Thu Feb 15, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Best Mac Antivirus?
Replies: 5
Views: 678

Re: Best Mac Antivirus?

I use Avast Security for Mac. It is free.

https://www.avast.com/en-us/free-mac-security
by stickman731
Thu Feb 08, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 5393

Re: Who has had a pool?

We have owned a 38’ vinyl-liner in-ground pool in NJ for 15 years and would not be without one. We installed in one-year after we purchased our home because my SO was school teacher and one son. The backyard was essentially useless during the hot summer months and it was tough to go to the beach eve...
by stickman731
Fri Feb 02, 2018 6:31 am
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 42
Views: 4684

Re: Best Movies of 2017

I know some did not like it but

The Last Jedi
by stickman731
Thu Jan 25, 2018 5:10 am
Forum: Personal Finance (Not Investing)
Topic: Draw Down Plan - Stanford Longevity Report
Replies: 11
Views: 1081

Draw Down Plan - Stanford Longevity Report

I found this report interesting on drawing down your IRA/401 plan and Social Security and would love to here Boglehead's opinions.

http://longevity.stanford.edu/wp-conten ... -final.pdf
by stickman731
Tue Jan 16, 2018 5:36 am
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 2461

Re: wild bird feed

Hummingbirds will come to a hummingbird feeder. We normally put one out in the spring. There is a web site that tracks the migration so when they get to Virginia I put out the feeder - usually in April some time (I am in Maryland). The HBs hang around and nest in our oak trees. They usually leave i...
by stickman731
Wed Jan 03, 2018 5:58 am
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 169
Views: 18765

Re: 2018 Hedge Fund contest

B3GINN3R wrote:
Tue Jan 02, 2018 4:26 pm
NAME: Goin' for broke

Long: FB, SNAP, AMZN
Short: SHLD, FENX, BABA
I do not think BABA is the Russell 3000 list.
by stickman731
Tue Jan 02, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 169
Views: 18765

Re: 2018 Hedge Fund contest

NAME: Sticky Wonder Fund

Long: ACET, FB, ZAYO

Short: ASH

Thank you BackOfTheNet and Tanelorn !!!
by stickman731
Sun Dec 17, 2017 6:01 am
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 87
Views: 9146

Re: Ancestry / 23andMe

Here is a recent Federal Trade Commission statement on consumer DNA test.

https://www.consumer.ftc.gov/blog/2017/ ... plications
by stickman731
Thu Dec 14, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: [UPDATED 1/26/2018 ] 55+ Early retirement offer.
Replies: 90
Views: 14261

Re: 55+ Early retirement offer.

Applications have to be made to "Participate" in the program. Managers and HR decide if your application is accepted - it is not guaranteed. There may try to entice you with a stay package. They do not want an unhappy employee by making them stay with a refusal of the offer. I was offered a very ni...
by stickman731
Sat Dec 02, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Company just introduced non qualified deferred compensation plan
Replies: 8
Views: 1266

Re: Company just introduced non qualified deferred compensation plan

I participated in NQ deferred compensation and contributed with a 2% match for 10 years - build a nice little nest egg without effort. However, my company (Fortune 500) was acquired, the acquiring company did not have a plan and considered it an "unnecessary" perk. We had to cash out and got hit by ...
by stickman731
Sat Dec 02, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 24881

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

Recently watched a documentary on Netflix - Banking on Bitcoin and it got me even more confused. I understand the blockchain but where is the underlying value outside of the speculator pool. Since I still do not completely understand it, I will not risk my monies.
by stickman731
Fri Nov 24, 2017 6:20 am
Forum: Personal Consumer Issues
Topic: Geneology: finding the house a dead relative lived in.
Replies: 14
Views: 1577

Re: Geneology: finding the house a dead relative lived in.

I would recommend you post you specific query on Reddit genealogy board. They are a helpful group. https://www.reddit.com/r/Genealogy/ If you know the State and County, I would also post the query on it the respective board at Rootsweb that is hosted by Ancestry.com http://boards.rootsweb.com/locali...
by stickman731
Thu Nov 16, 2017 5:42 am
Forum: Personal Finance (Not Investing)
Topic: [UPDATED 1/26/2018 ] 55+ Early retirement offer.
Replies: 90
Views: 14261

Re: 55+ Early retirement offer.

I was in a similar situation ~3 years ago. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=133050 After weighing all the options, I took the package. It came down to a simple point I really did not like the people from the acquiring company . Now I would say it was the best decision because sin...
by stickman731
Sun Nov 12, 2017 5:27 am
Forum: Personal Consumer Issues
Topic: Unnecessary Corporate Meetings
Replies: 25
Views: 2631

Re: Unnecessary Corporate Meetings

The simple answer is yes in my 30 yr career before I retired; however, as I progressed in my career - i had simple rules about meeting - no agenda or clear focus I would not attend and was even known to walk out of meeting that rattled along without purpose. If it was recurring meeting, action items...
by stickman731
Fri Sep 29, 2017 5:09 am
Forum: Personal Finance (Not Investing)
Topic: My Smartest Financial Moves
Replies: 62
Views: 7502

Re: My Smartest Financial Moves

Participating in the 401K started in 1986. I thought it was a no brainer put in 6% and company matches with 7% - DAH - it was yours from day 1 no vesting period. It was initially managed by Citibank and in 1988 moved to Vanguard. As I scientist I read everything and choose low cost funds. (30% each ...
by stickman731
Fri Sep 29, 2017 4:51 am
Forum: Personal Consumer Issues
Topic: Home security advice
Replies: 15
Views: 2072

Re: Home security advice

I personally have two Piper and a couple of door sensors. Piper send alerts (text, calls) to my smart phone. I have the local police phone number programmed into my phone - so if I get an alert I call the police. I got the Piper NV on sale for $149. Shop around and look for discounts. Here is a good...
by stickman731
Fri Sep 08, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 66240

Re: Equifax customer information leak

As a FYI, I am attempted to register on the site but I got a security alert (Deceptive Website Warning) from my Safari browser. Needless to say - I stop.
by stickman731
Tue Aug 29, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage paid off - what to do next?
Replies: 12
Views: 1997

Re: Mortgage paid off - what to do next?

Congratulations and welcome to the club. It is a nice relief never to worry about another mortgage payment. The most important things in my opinion are as follows: 1. Call mortgage holder and make sure you get payoff statement ASAP and that they notify the city / municipality 2. Contact the city to ...
by stickman731
Thu Aug 24, 2017 6:30 am
Forum: Personal Finance (Not Investing)
Topic: I did it and feel great about it (paid off mortgage)
Replies: 66
Views: 11781

Re: I did it and feel great about it (paid off mortgage)

Congratulations - yes it does fell great. Just remember to check with the city to see if everything is registered in your name correctly in couple of weeks and to get your local property tax bill sent to you. You do not want any late payment fee on your tax bill.
by stickman731
Mon Jul 31, 2017 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Estimate for painting home interior
Replies: 19
Views: 2534

Re: Estimate for painting home interior

Here is a link that provide estimate on interior painting jobs. I used it in 2008 during the economic downturn and got three quotes all within -/+ 10% for painting roughly 2400 sq. ft. home (6 rooms). I do not know if it is still good but it give you some expectations. https://www.homewyse.com/servi...
by stickman731
Mon Jul 24, 2017 6:25 am
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 7640

Re: How much electricity are you using and how expensive it is?

New Jersey - JCP&L

Home 2200 sq. ft. Central AC/ Inground Pool / Natural Gas Heating

Electric Average Monthly Use - 811 KWH

Summer Average 1554KWH x 0.09133 (Basic Generation) and x 0.059260 (Delivery Service Charge)
by stickman731
Mon Jul 24, 2017 5:45 am
Forum: Personal Consumer Issues
Topic: Verizon- Why do they treat old customers worse?
Replies: 54
Views: 9608

Re: Verizon- Why do they treat old customers worse?

I just had an instance with my Verizon Fios bill. Got an e-mail saying it was past due (not a scam e-mail - it was verifiable). So I checked my account on their website, it stated paid in full. So I tried the "virtual assistance/chat" function but it did not work. So I began to look for the customer...
by stickman731
Thu Jul 13, 2017 5:07 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 15465

Re: Do you count vehicle equity in net worth?

I don't count the house either. We don't have car loans or a mortgage, so there aren't liabilities to account for. We're in our 'what we hope will be forever' house; it's not like we're in a $1M 2000 sq foot rambler in a HCOL and our retirement plan is to move to a LCOL and buy a similar house for ...
by stickman731
Sat Jun 10, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 61
Views: 8957

Re: best way to buy tires

PS if you do buy into the tire expiration date idea, you should also replace your spare with a new tire as well since the claim behind the expiration date is that only age matters, not miles or exposure to UV). But even if you don't buy it, do check your tire pressure in your spare and keep your sp...
by stickman731
Sat Jun 10, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 61
Views: 8957

Re: best way to buy tires

Remember the most important thing about tires are the age - https://www.youtube.com/watch?v=GpjQ2CSgzjk

Please be safe and check the age.
by stickman731
Wed Jun 07, 2017 5:30 am
Forum: Personal Consumer Issues
Topic: EZPass not read, rental car, high fee
Replies: 37
Views: 6707

Re: EZPass not read, rental car, high fee

In NJ, on the summons, just fill out the form with your EZ pass Tag ID and they just charge the toll no fees. I once had 98 (yes 98 violations) in the NJ/NY/ PA area - I had a lot of windshield time on my sales job. I forgot that I placed the device in my other vehicle (truck for housework) which i ...
by stickman731
Sat May 20, 2017 5:07 am
Forum: Personal Consumer Issues
Topic: iPhone GPS apps
Replies: 15
Views: 1911

Re: iPhone GPS apps

Waze for local around NJ and NY area, but preferred my Nuvi for long haul trips. For traveling, I like the following: iExit (let you know what food / hotels are ahead) Maps.me and/or - UlmonPro - CityMaps2Go I like to download other countries / cities when I visit. Always helpful HereWeGo - has a ni...
by stickman731
Fri May 19, 2017 7:29 am
Forum: Personal Consumer Issues
Topic: f.lux software/blue light reduction for devices
Replies: 11
Views: 968

Re: f.lux software/blue light reduction for devices

I have use f.lux for years. Now Apple has their own imbedded NightShift. Since it is integrated with the OS, it works just as well without tweaking.
by stickman731
Tue May 16, 2017 5:36 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 40916

Re: 2017 hedge fund contest

Let me see how spinoffs were treated in the past and I'll make the appropriate adjustment. Given it's an all stock deal, I'm inclined to make the outcome the equivalent of taking the VVV spinoff shares, closing that position, and reinvesting back in the original ASH, with everything done as of the ...