Search found 371 matches

by jasc15
Thu May 24, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Affordable luxury ladies watch?
Replies: 21
Views: 1027

Re: Affordable luxury ladies watch?

Have to disagree here. I recently purchased an inexpensive (~$300) Seiko dive watch with a high-quality automatic movement. The particular model I purchased, the SKX007, has something of a cult following among watch aficionados for being one of the best values around (see here for an illustrative r...
by jasc15
Thu May 24, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Affordable luxury ladies watch?
Replies: 21
Views: 1027

Re: Affordable luxury ladies watch?

My wife has a nice citizen eco drive that was in the $300 range. It's about 4 years old and still looks great with daily use.
by jasc15
Fri Apr 20, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: Freakonomics Podcast on Indexing with Jack Bogle Interview
Replies: 2
Views: 626

Re: Freakonomics Podcast on Indexing with Jack Bogle Interview

I also heard recently. This podcast is excellent at distilling concepts and presenting them in a very clear manner. Also Scaramucci arguing against the fiduciary rule in part because "you'll would lose 60 to 70,000 financial services jobs as a direct result of that rule. It’s a jobs killer." is noth...
by jasc15
Fri Apr 06, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Car was totaled, next steps?
Replies: 18
Views: 972

Re: Car was totaled, next steps?

I had a similar situation a few years ago, and came to the realization that to replace the totalled car with a comparable car would cost me several thousand dollars. I felt like I'd been had by someone, but couldn't figure out who. I'll be interested to see what others think.
by jasc15
Wed Apr 04, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Plan of Conversion from Stock to Mutual
Replies: 3
Views: 848

Re: Plan of Conversion from Stock to Mutual

Update as of April 4, 2017. My wife and I have term life policies with SBLI and I just received a letter dated March 10, 2018 that they have converted from a sock to a mutual company. It seems there are no consequences to us as policy holders based on some posts here, though Nedsaid says it's quite ...
by jasc15
Thu Mar 29, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Which of our cars should we use more, old or new?
Replies: 32
Views: 2468

Re: Which of our cars should we use more, old or new?

Good comments here. It seems there isn't much solid reasoning favoring the the use of one over the other, besides preferences. I don't think there is must difference in safety and reliability between the two, and the older car is actually more comfortable for longer trips.
by jasc15
Tue Mar 27, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Which of our cars should we use more, old or new?
Replies: 32
Views: 2468

Which of our cars should we use more, old or new?

We own 2 cars: one 11 years old with ~110,000 miles, and another 1.5 years old with ~13,000 miles. It seems the general opinion from people I talk to is to use the old car for around town stop and go driving, and the new car for more long distance driving when possible. Both are used for commuting, ...
by jasc15
Fri Feb 16, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Roof Leak...Need Advice
Replies: 16
Views: 2000

Re: Roof Leak...Need Advice

I know some roof warranties are transferrable. Mine is, but I've yet to see how useful it is and hope not to. Any 4 year old roof should still be under warranty.
by jasc15
Fri Feb 16, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 4746

Re: Any Creative Ways to Cut the Cable?

You may be able to avoid the need for an antenna by running a cable straight to your TV and seeing what channels you get. Since I subscribe to internet only, I have access to unscrambled broadcast via cable and receive everything (and more) I would with an antenna.
by jasc15
Thu Feb 15, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 81
Views: 10290

Re: Can someone help me explain to my wife...?

No, this a battle you need to wage. Start small, bring up any of the many posts with nice, easy to understand graphs. There is a great one somewhere, where the future is covered up and you can play 'sell now? Buy now?' And see how often one is wrong. https://qz.com/487013/this-game-will-show-you-ju...
by jasc15
Fri Feb 09, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 14262

Re: "The stock market is officially in a correction... here's what usually happens next"

"Stay the course" is not the same as "Buy and hold." Corrections and bear markets can often be an opportunity to rebalance, sell an unwanted fund, tax-loss harvest or move to another company. I've wanted to ask this question before. Isn't it market timing to use situations like these as an opportun...
by jasc15
Wed Jan 24, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Internet Only, no Cable
Replies: 9
Views: 1340

Re: Internet Only, no Cable

Just look for the promos available in your area. We just signed up for 100/20 Mbps for $39.99/mo for a year. At the end of that year I will call and complain and probably be able to limit the increase to $35 or $40, otherwise I will switch to the other provider in my area. Playing this game in other...
by jasc15
Fri Jan 12, 2018 3:56 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 9001

Re: Kodakcoin

I wonder if Kodak is trying to make itself viable for an acquisition? I did kind of forget they existed. This was an interesting read: Mr. Clarke has no delusions that Kodak could bring those technologies to market on its own; it will need corporate partners to make actual products. “We’ll never be...
by jasc15
Tue Jan 09, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: anything to buy to save on taxes
Replies: 9
Views: 1080

Re: anything to buy to save on taxes

I don't understand anything about business finance or taxation; I've always been a W2 employee and so has everyone in my family. When I see talk about spending for purposes of tax write offs, it seems to me the same as carrying a mortgage for the same reason. Spend $1 to avoid paying 25 cents? Is th...
by jasc15
Fri Dec 22, 2017 11:41 pm
Forum: Investing - Theory, News & General
Topic: Looking for a post about stock crash
Replies: 8
Views: 1219

Re: Looking for a post about stock crash

I remember, too. None of the schadenfreude of the Bitcoin situation (which I am also guilty of, though I didn't post about it). Very real and sobering realities in that linked thread. I think it was some potential component supplier to Apple that lost its contract when Apple changed strategy abruptl...
by jasc15
Sat Dec 09, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 3078

Re: What MPG App Do You Use To Track Fuel Usage ?

I use a Google docs spreadsheet formatted the same way as submissions to the fueleconomy.gov site are (and I occasionally upload my data there). I have a shortcut on my phone's home screen, and I enter the date, gallons pumped, odometer and total price paid while I wait for the pump. My wife message...
by jasc15
Thu Nov 30, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: quiet natural gas generators
Replies: 38
Views: 2580

Re: quiet natural gas generators

I remember in 2004 or 2005 hearing coworkers talking about investing in a company that made small natural gas turbine generators that were about the size of a refrigerator. I thought the name was Keystone, but apparently there is a company called Capstone that makes what I was remembering. Turns out...
by jasc15
Thu Nov 16, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 119
Views: 12311

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: 119
Views: 12311

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: 93
Views: 8878

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: 2134

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: 619

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: 61402

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: 3391

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: 3620

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: 1302

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: 3498

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: 1208

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: 1208

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: 1208

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: 4389

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: 11117

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: 3889

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: 2847

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: 2847

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: 1587

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: 1855

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: 11315

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: 9837

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: 9837

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: 2561

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: 639

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: 1148

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: 19264

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: 5810

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: 287
Views: 45983

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: 5683

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: 7627

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: 1335

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: 1335

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.