Search found 289 matches

by stickman731
Thu May 23, 2019 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage almost paid off
Replies: 31
Views: 3080

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: 3784

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: 2029

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: 54
Views: 3260

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: 7322

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: 1921

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: 54
Views: 3260

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: 2531

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: 2531

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: 986

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: 1909

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: 2547

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: 208
Views: 12830

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: 2614

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: 2614

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: 15027

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: 4178

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: 2201

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: 1937

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: 4521

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: 5432

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: 6775

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: 2526

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: 4010

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: 3117

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: 11651

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: 13262

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: 375
Views: 22796

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: 375
Views: 22796

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: 375
Views: 22796

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: 9561

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: 1851

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: 2095

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: 713

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: 5648

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: 4828

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: 1121

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: 2616

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: 176
Views: 20910

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: 176
Views: 20910

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: 9382

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: 14512

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: Personal Investments
Topic: Company just introduced non qualified deferred compensation plan
Replies: 8
Views: 1320

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: 25396

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: 1607

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: 14512

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: 2684

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: 7610

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 ...