Search found 263 matches

by stickman731
Mon Jul 30, 2018 5:01 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Pay Off...best method?
Replies: 23
Views: 2852

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: 10690

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: 138
Views: 9381

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: 212
Views: 13508

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: 212
Views: 13508

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: 212
Views: 13508

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: 8584

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: 1687

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: 1702

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: 633

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: 4995

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: 4345

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: 943

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: 2310

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: 158
Views: 15684

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: 158
Views: 15684

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: 83
Views: 7858

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: 13756

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: 1144

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: 23899

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: 1494

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: 13756

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: 2465

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: 7112

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: 1976

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: 63030

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: 1936

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: 10845

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: 2405

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: 7054

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: 9301

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: 14495

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: 8150

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: 8150

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: 6025

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: 1812

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: 910

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: 39240

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 ...
by stickman731
Mon May 15, 2017 9:23 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 39240

Re: 2017 hedge fund contest

My short ASH had a tax free spin-off of VVV and the share price on ASH was adjusted. I think adjusted price need to place in the spreadsheet.
by stickman731
Sun May 14, 2017 5:15 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 48618

Re: Regret early retirement/downsizing

I took a voluntary severance package at 56 after working ~30 years. For 27 years when we were a private company, I loved my job and was rewarded well for hard work and results; we were acquired and the last three years were very frustrating. No raises because I was highly compensated and no bonuses ...
by stickman731
Tue May 09, 2017 5:00 am
Forum: Personal Consumer Issues
Topic: Fitbit Blaze vs Apple Watch
Replies: 24
Views: 2931

Re: Fitbit Blaze vs Apple Watch

+1 for the Apple Watch. I have the original and love it. I also like the Health and Activity apps associated with it, but I prefer the Cardiogram app on the iPhone for heart rate tracking provides better graphic. I also couple Health with my Omron blood pressure monitor and get a full view. For me p...
by stickman731
Sat Apr 22, 2017 5:49 am
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 11078

Re: Removing a tree - expensive!!!

I am surprised by some of the high quotes - I live in an urban area and like i previous mentioned it was ~$400/per tree. After Superstorm Sandy (remember it was not a hurricane); otherwise, insurance would not cover it. I had six >75 ft tall spruces removed along the side of my house (the previous o...
by stickman731
Sat Apr 22, 2017 5:36 am
Forum: Personal Finance (Not Investing)
Topic: Unemployment severance. Weekly or lump sum?
Replies: 12
Views: 1233

Re: Unemployment severance. Weekly or lump sum?

I would take the lump sum just in case she does not get the job !!! In some states, taking a weekly pay out mean "employment" and you do not qualify for unemployment benefits. By taking the lump sum, you qualify for unemployment benefits immediately in NJ. I would bank the monies and use as an emerg...
by stickman731
Fri Apr 21, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 11078

Re: Removing a tree - expensive!!!

That seems expensive but I live in NJ. I have had an oak, maple (pool installation) and spruces (6 due to Sandy) removed for ~ $400 each including stump grinding over the last 10 years. I would get more quotes and would make sure they have insurance - they cut corners by hiring undocumented workers.
by stickman731
Mon Apr 10, 2017 5:46 am
Forum: Personal Consumer Issues
Topic: Backyard shed, wood or plastic?
Replies: 31
Views: 5151

Re: Backyard shed, wood or "plastic"?

I would vote for wood. I helped a friend assemble a plastic one about 8 years ago - it was not as easy as implied - at times very frustrating and blood pressure raising - we are both handy and we had a good foundation. Three years ago his locking mechanism broke and it took months to find a replacem...
by stickman731
Tue Apr 04, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: House buying- How to think about property taxes?
Replies: 39
Views: 4277

Re: House buying- How to think about property taxes?

I live in Middletown Township and my 2017 property assessment = the land value increased $55,000 and the house less than $1,500. My taxes were ~$8,000 for 2016. With the new assessment, I will exceed $10,000 based on 2016 ratable rate. For the last three years since the 2% standard was enacted - my...
by stickman731
Tue Apr 04, 2017 5:57 am
Forum: Personal Consumer Issues
Topic: House buying- How to think about property taxes?
Replies: 39
Views: 4277

Re: House buying- How to think about property taxes?

If you are living on a budget you need to more concern with the tax increase and does your salary allow you pay them without distress. I live in Middletown Township and my 2017 property assessment = the land value increased $55,000 and the house less than $1,500. My taxes were ~$8,000 for 2016. With...
by stickman731
Fri Mar 10, 2017 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Are we ready to buy a house? What should our price range be?
Replies: 56
Views: 5427

Re: Are we ready to buy a house? What should our price range be?

Right now there are no other obligations. Our take home plus my car allowance is is $7450/mo. I'm always concerned they're going to cut that back which is why I don't include it. I know that once we buy the house a child will come along. Once the child comes along that will be another $1000-$1500/m...
by stickman731
Wed Feb 15, 2017 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement
Replies: 21
Views: 3289

Re: Early Retirement

I was in the similar situation two plus years ago. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=133050 I took the advise of the Bogleheads and decided to take the package. The funny thing is that my portfolio actually grew. I understand this is due to the stock market cycles but it feels goo...
by stickman731
Tue Jan 17, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 133
Views: 19389

Re: Best DNA genealogy testing kits

I give talks on genealogy research in my local area and people often ask me about the DNA tests to find out where they came from. Part of my my answer is "If you don't like the results of the test, get tested at one of the other companies that do it and you'll get a different result you might like ...