Search found 312 matches

by stickman731
Wed May 27, 2020 4:34 am
Forum: Personal Finance (Not Investing)
Topic: Career advice for science PhD student
Replies: 49
Views: 3945

Re: Career advice for science PhD student

I worked for 30 yrs for a major specialty chemical company. I just wanted to a lab rat but after 8 years, one of my mentors "offered" me another role as Manager of QA - explain "it would be good for me" and do not worry "I will take care of you." I trusted him and he was correct - I learn more from ...
by stickman731
Wed May 20, 2020 4:58 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12071

Re: Selling home - low ball negotiation

Glad to see you came to an agreement. I suspect that you are either from NJ, LI, CT because of your comments on NYC. I would never trust Zillow. If you are from NJ, I would use the Open Public Record System to check comparable comps and taxes - you will need to change the dropdown menus but it is va...
by stickman731
Wed Apr 29, 2020 5:04 am
Forum: Personal Consumer Issues
Topic: Highlander or RAV4
Replies: 57
Views: 3251

Re: Highlander or RAV4

I am 6'6" and actually test drove both vehicles. Both were acceptable from head room and comfort but I found the RAV4 to have more road noise. I however did not choose either but went with a Ford Edge AWD due to my pass success with the vehicle. I just like how it hugged the road and the acceleration.
by stickman731
Fri Apr 03, 2020 5:12 am
Forum: Personal Consumer Issues
Topic: Trane or Carrier heat pump?
Replies: 5
Views: 680

Re: Trane or Carrier heat pump?

I have a Fujistsu system and have had no issues for about 7 years. My total cost was essential zero. I got energy credits for it being more efficient than the old system (state incentive) and my utility had at that time $750 rebates for units that met specific criteria. My installer completed all th...
by stickman731
Fri Mar 27, 2020 4:50 am
Forum: Personal Finance (Not Investing)
Topic: MBA Worth It?
Replies: 88
Views: 5846

Re: MBA Worth It?

Now retired senior director from a major chemical company. I started in R&D, then QA than sales, marketing, businesss development all with my BS in Chemistry. Never had a plan but was always told by senior management - it will be "good for you" and it was. My mentors were outstanding in helping and ...
by stickman731
Wed Feb 05, 2020 5:07 am
Forum: Personal Consumer Issues
Topic: NJ - Buying single family home - Buy or Rent?
Replies: 15
Views: 1286

Re: NJ - Buying single family home - Buy or Rent?

Develop a criteria for what you are looking for in a home. For me personally, here they are: No major fix up as I am handy but not skilled enough to do it myself Good school district - easier to sell as you will resell it No double yellow-line - indicates high traffic area - tougher to resell No cor...
by stickman731
Mon Feb 03, 2020 6:50 am
Forum: Personal Consumer Issues
Topic: Replace both HVAC or just 1 HVAC...
Replies: 12
Views: 771

Re: Replace both HVAC or just 1 HVAC...

I would check with your local utility company to see if they have any rebate programs. When checking on the rebates, ask them is there any additional incentive if you use them. I have a 400 sq. ft. bonus room (second unit) that needed replacement about six years ago, the quotes were all over the pla...
by stickman731
Sat Feb 01, 2020 5:50 am
Forum: Personal Consumer Issues
Topic: What's the difference between Uber and Lyft?
Replies: 63
Views: 5315

Re: What's the difference between Uber and Lyft?

Main difference is pricing (always found Lyft cheaper in NJ) and Lyft driver keep more of the fare than Uber I have been told.

You should check which offer sign-up discounts - typically they will give you anywhere from 25-50% your first ## of rides.
by stickman731
Mon Jan 27, 2020 6:14 am
Forum: Personal Consumer Issues
Topic: When to Change Car Battery?
Replies: 120
Views: 8758

Re: When to Change Car Battery?

Last week, I had to change the battery in my 1998 Dodge Ram truck - the new battery is the third in the life of truck. The last battery was 12 years old Sears Diehard and cost me $150 as I still had the receipt. The truck died in the shopping center parking lots. I called roadside assistance that I ...
by stickman731
Thu Jan 16, 2020 5:05 am
Forum: Investing - Theory, News & General
Topic: When to sell my Berkshire Hathaway stock?
Replies: 29
Views: 2958

Re: When to sell my Berkshire Hathaway stock?

I had a similar thought with a couple of month ago as I also have been holding BRK.B for a number. I then just ran a max comparison chart of it versus the Dow, SP500 and NASDAQ and decided to keep it. 8-)

https://postimg.cc/jDzdm1yB
by stickman731
Fri Jan 10, 2020 5:41 am
Forum: Investing - Theory, News & General
Topic: 2020 Hedge Fund contest
Replies: 217
Views: 15430

Re: 2020 Hedge Fund contest

Sticky Wonder Fund

LONG
MBII
GS
GE

SHORT
ASH

Thank you !!!
by stickman731
Thu Dec 26, 2019 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Goodbye USAA
Replies: 72
Views: 9110

Re: Goodbye USAA

One thing I would check before switching - if you have a catastrophic event (particularly on your home policy) in the first year are you fully covered.
by stickman731
Mon Dec 23, 2019 5:25 am
Forum: Investing - Theory, News & General
Topic: Best Finance Twitter Accounts?
Replies: 5
Views: 601

Re: Best Finance Twitter Accounts?

Not Twitter but the best blog on valuations is Musings on Markets - http://aswathdamodaran.blogspot.com

Outside of the Bogleheads, I have learn a lot from Professor Damodaran. He will be offering a free on-line class on valuation in the spring.
by stickman731
Fri Dec 20, 2019 5:45 am
Forum: Personal Investments
Topic: Huge loss on FDX single stock
Replies: 78
Views: 5260

Re: Huge loss on FDX single stock

Clearly option 2.

The one thing I know about Fedex is I do not see their truck delivering packages in my neighborhood. In previous years, they were very common but now it is local logistic companies van. At this time of years, I see 4-5 per day usually 1-2 UPS trucks and USPS delivering packages.
by stickman731
Fri Sep 13, 2019 4:36 am
Forum: Personal Consumer Issues
Topic: 2019 Costco HVAC services: Good deal/issues?
Replies: 20
Views: 5073

Re: 2019 Costco HVAC services: Good deal/issues?

I do not know about Costco HVAC system, but I would check with your local utility company for potential rebates. In NJ, I was totally surprised the amount of $$$ I received.
by stickman731
Fri Sep 13, 2019 4:32 am
Forum: Personal Finance (Not Investing)
Topic: Expecting a lay off w/ severance - next steps?
Replies: 16
Views: 2958

Re: Expecting a lay off w/ severance - next steps?

Very VERY important to do tax planning for Severance late in a yr you also have earned income. MUCH better to severance in Jan, Feb!!! sometimes companies will grant that pay-out staggered into next tax year, some companies will put some or all into your deferred funds (Retirement / 401k). +1 = try...
by stickman731
Wed Aug 28, 2019 5:46 am
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 16095

Re: Best of Bogleheads - your #1 takeaway

Patience
Simplicity
Invest early and often
by stickman731
Fri Jul 26, 2019 6:46 am
Forum: Personal Finance (Not Investing)
Topic: MBA worth it?
Replies: 95
Views: 9042

Re: MBA worth it?

(2) is not true if it's not from a name school and you stay at your current employer, unless the MBA is required for a promotion. I know people who got MBAs paid by their employers but were unable to use them to launch into better paid jobs, so it ended up being a waste of time (versus money). Agre...
by stickman731
Wed Jul 24, 2019 5:12 am
Forum: Personal Consumer Issues
Topic: 23andMe DNA Test - IRS Deductible
Replies: 2
Views: 577

23andMe DNA Test - IRS Deductible

I saw this article and found it interesting as I did the test a number of years ago.

https://qz.com/1672148/the-irs-decided- ... ical-care/
by stickman731
Mon Jul 22, 2019 5:00 am
Forum: Personal Finance (Not Investing)
Topic: MBA worth it?
Replies: 95
Views: 9042

Re: MBA worth it?

I have been in the chemical industry for 30 years and have seen a lot MBAs. My one recommendation would be to have a detailed plan on what you want to do with it . I have interviewed many job candidates and have seen my company had tuition re-imburse to get MBAs, but I would say that less than 10% h...
by stickman731
Thu Jul 18, 2019 5:30 am
Forum: Personal Consumer Issues
Topic: Apple Watch Worth The $$$?
Replies: 41
Views: 4374

Re: Apple Watch Worth The $$$?

Everyone pretty much mentioned all the tings I like about the watc from exercise monitoring, heart monitoring music control .... but the one feature that I unexpectedly found I like the most is text and message received when my phone is not readily available. I can see whom instanstly and can decide...
by stickman731
Sun Jun 16, 2019 4:51 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 100
Views: 11154

Re: IPhone 6 - showing some age

I’m exactly the same mine is a 6 plus. I brought it to Apple store to check the battery and they said everything is fine there is a diagnostic on the phone says the battery is like 90% I thought about getting a new battery but the phone is only worth like $99 trade in also not as fast as it could b...
by stickman731
Thu May 23, 2019 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage almost paid off
Replies: 31
Views: 3642

Re: Mortgage almost paid off

Thanks for the reply. I was hoping to avoid going through with the payoff procedure. I had to do that once and pay them an exact amount by certain day and pay additional fee. I don't mind of they take too much in the second month as long as they automatically stop additional monthly withdraw and ev...
by stickman731
Wed May 22, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Senior management/executives
Replies: 51
Views: 4532

Re: Senior management/executives

Since I do not know what was offered, I cannot comment but kickbacks are illegal and should be reported to HR or Legal Department. I highly recommend you document it with timeline and specifics. They may be testing you for a higher role but it comes down to your own ethnics. For me (as a past senior...
by stickman731
Sun Apr 21, 2019 5:14 am
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer Tips
Replies: 32
Views: 2324

Re: First Time Home Buyer Tips

I have a couple of tips. - Never buy a house on a street with a double yellow line - very tough to resell. - Always buy in a good school district. - Paint the closets before you move in - you will never empty them once you move in; same goes for hardwood floors, refinish before moving in. - Get a la...
by stickman731
Wed Mar 27, 2019 3:32 am
Forum: Personal Consumer Issues
Topic: 2 days in New York City
Replies: 57
Views: 4743

Re: 2 days in New York City

I do not know if it was mentioned but download the NYC subway and Uber app. The city is easy to navigate with subway and Uber.
by stickman731
Wed Mar 27, 2019 3:30 am
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage!
Replies: 88
Views: 8344

Re: Paid off mortgage!

Get final paid off notice and remember to notify city so that taxes are sent to you - avoid the potential late fees. CONGRATULATIONS
by stickman731
Fri Mar 15, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: Angies List v. Homeadvisor v. ???
Replies: 23
Views: 2335

Re: Angies List v. Homeadvisor v. ???

I have use Home Advisor for small electrical and Pumbling job that are outside me field of comfort. Both were excellent. I also verified that they are currently licensed (NJ - https://newjersey.mylicense.com/verification_4_6/) and ask if they have insurance. For the license verification, I would jus...
by stickman731
Fri Mar 15, 2019 4:04 am
Forum: Personal Consumer Issues
Topic: 2 days in New York City
Replies: 57
Views: 4743

Re: 2 days in New York City

I highly recommend the 9-11 Museum and MOMA.

Citifield is a nice stadium and easy to get to - hopefully they are playing well, but I personally prefer Yankee Stadium :D
by stickman731
Thu Mar 14, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Retiring Early and losing RSUs
Replies: 32
Views: 2940

Re: Retiring Early and losing RSUs

All the RSU documents say an employee loses the RSUs if fired 'for cause', so of course, they couldn't do something extreme, but I don't think being non-productive counts as fireable 'for cause'. I know this is extreme...I personally wouldn't want to do this as it seems like a bad option for everyo...
by stickman731
Thu Mar 14, 2019 4:09 am
Forum: Personal Finance (Not Investing)
Topic: Retiring Early and losing RSUs
Replies: 32
Views: 2940

Re: Retiring Early and losing RSUs

Four years ago, I accepted a voluntary severance package and were allowed to keep my RSUs. They have now fully matured and I executed them. Check you agreement about voluntary separation. If it is included, if you hear anything about workforce reduction toss you name in the hat explaining you need t...
by stickman731
Tue Jan 15, 2019 5:53 am
Forum: Personal Consumer Issues
Topic: Bogleheads-type forum for Genealogy Research?
Replies: 11
Views: 1117

Re: Bogleheads-type forum for Genealogy Research?

From a forum perspective, the two best sites for genealogy posting, comments and collaboration are Reddit (https://www.reddit.com/r/Genealogy/) and the Italian Genealogy Forum (https://www.italiangenealogy.com/forum?sid=05d0b9c8730b346377a5a70864bb01d5). With respect to the Italian Genealogy Forum, ...
by stickman731
Mon Jan 14, 2019 5:37 am
Forum: Personal Consumer Issues
Topic: 15 full days in Costa Rica
Replies: 25
Views: 2089

Re: 15 full days in Costa Rica

I was last in Costa Rica five years ago primarily on business but there is one thing to know. There is an airport exit fee - pay the exit fee prior to getting on-line for your flight check-in and through security; otherwise they will send you back to pay for it. There is no line cutting so you will ...
by stickman731
Sun Jan 06, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: Who pays for apps?
Replies: 42
Views: 2653

Re: Who pays for apps?

by stickman731
Wed Jan 02, 2019 5:47 am
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 250
Views: 26432

Re: 2019 Hedge Fund Contest

Sticky Wonder Fund

LONG
FB
GE
MBII

Short
ASH
by stickman731
Thu Dec 06, 2018 4:58 am
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employees/Deferred Compensation Plans
Replies: 26
Views: 2752

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: 2752

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: 145
Views: 16435

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: 4662

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: 2317

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: 2077

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: 4654

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: 5758

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: 7058

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: 2633

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: 4402

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: 3217

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.