Search found 408 matches

by NYnative
Thu Aug 29, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 210
Views: 55589

Re: GEICO auto rates vs. USAA: too good to be true?

I guess I should check with Geico just to be able to know what they can do for me. They would have to be a LOT cheaper than USAA for me to switch. Having been with USAA for over 50 years, we get a pretty decent payout from the company which significantly lowers the overall cost of our premiums. Neve...
by NYnative
Fri Apr 26, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: How Rare is This
Replies: 9
Views: 1619

Re: How Rare is This

Depends. Will it have a burial vault in the basement?

IMHO, it's not unusual or odd. In AZ, you have lots of retired people downsizing and having custom homes built for their last residence.
by NYnative
Wed Apr 10, 2019 8:03 pm
Forum: Investing - Theory, News & General
Topic: USAA getting out of mutual fund biz
Replies: 51
Views: 10535

Re: USAA getting out of mutual fund biz

As a USAA member for over 50 years, my belief is that insurance is why they were founded. Mutual funds and other investment services are not part of their mission to provide insurance to service members. I've never conducted any business with them outside of insurance (life, car, home, etc.) and see...
by NYnative
Sat Apr 06, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Standard Deduction vs Itemizing - Experience this year
Replies: 52
Views: 5918

Re: Standard Deduction vs Itemizing - Experience this year

Had to itemize for 2018 for the first time since we bought a home. The SALT limit pretty much killed the opportunity. Plus, home interest payments are very low. Hard to break the medical 7.5% limit in 2018, probably won't in 2019. We are bunching charitable deductions and skipped almost all in 2018 ...
by NYnative
Thu Feb 28, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 12842

Re: Why Working as a Senior Male is Wise...

"We did enjoy the option of travel and seeing Europe while we were young as a result. Had a car, used the trains, and covered Italy, Germany, France, Austria, Poland, the Czech Republic, Holland, Spain, etc as often and as much while we could." We had the same experience when we were young. And we c...
by NYnative
Tue Feb 26, 2019 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 12842

Re: Why Working as a Senior Male is Wise...

I've never seen an "older" worker at In N Out Burger. Not even more than a handful of over 40 types. Nearly all are kids.
by NYnative
Tue Feb 26, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 12842

Re: Why Working as a Senior Male is Wise...

Seniors working at semi-menial jobs is very common. From Walmart greeters and cashiers to elderly baggers, cashiers and stock boys in supermarkets. As well as cleaners in malls, etc., etc. I don't think any of these folks would be doing those jobs if they had the money to afford living or there was ...
by NYnative
Tue Feb 26, 2019 2:38 am
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 9605

Re: How often do you and your friends change engine oil?

Many years ago I owned a Chevy Vega hatchback. Great little car with a powerful 4 cylinder engine except for one problem that surfaced after about 3 years. It burned oil like crazy. The valve guides were made of plastic and they disintegrated. Plus, the block was aluminum with a cast iron head. Ther...
by NYnative
Mon Feb 25, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 12842

Re: Why Working as a Senior Male is Wise...

Unlikely. Parkinson’s is unrelated to working or not working. Many people are affected by Parkinson’s in the prime of their working years. Strokes can be from many, many, causes. Lack of work stress is generally not one of them. My father retired at 65 and died from cancer at 70. Not caused by retir...
by NYnative
Sun Feb 24, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 12842

Re: Why Working as a Senior Male is Wise...

I understand your motivation. However, the future value of your earnings will always be a lot of money. Will you ever be able to throw that away? People retire when they believe they have adequate resources to live in retirement the way they want to. I know people who never retired until they were f...
by NYnative
Sat Feb 23, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: Income tax software, "Tax Slayer".
Replies: 28
Views: 2758

Re: Income tax software, "Tax Slayer".

What I mean about not being able to see the filled out forms is that, on the premier consumer version, you cannot see them unless you pay first. There is no point in doing that unless the program is correct. FYI, I also ran my info through the free Credit Karma tax software and the refund was within...
by NYnative
Sat Feb 23, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Income tax software, "Tax Slayer".
Replies: 28
Views: 2758

Re: Income tax software, "Tax Slayer".

You can't see the forms on Tax Slayer, so that comparison isn't possible.
by NYnative
Sat Feb 23, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: Income tax software, "Tax Slayer".
Replies: 28
Views: 2758

Re: Income tax software, "Tax Slayer".

I don't like to reactivate an old thread, but this is the only one I could find on Tax Slayer. I normally use TurboTax, but wanted to do a comparison with another program. I entered the exact same information into both Tax Slayer and TurboTax - and - came up with two very different results. For the ...
by NYnative
Sat Feb 23, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 12842

Re: Why Working as a Senior Male is Wise...

There's no question that this is a very individual decision and, if you don't need the money, the choice is optional. Obviously, if you need the money, but have to retire for any reason, then part or full time work is a requirement, even after starting SS at whatever age you are fully eligible. I ha...
by NYnative
Tue Feb 12, 2019 12:07 pm
Forum: Personal Investments
Topic: quick double check that 85% of my SS will be subject to tax
Replies: 88
Views: 7132

Re: quick double check that 85% of my SS will be subject to tax

"That's the beauty of my realized losses, they are no longer lost. They have returned and brought back some prisoners; all yet to be realized gains." As long as you have gains and the market doesn't tank when the budget deal falls through, the China negotiations collapse and N Korea doesn't test a m...
by NYnative
Tue Feb 12, 2019 11:43 am
Forum: Personal Investments
Topic: quick double check that 85% of my SS will be subject to tax
Replies: 88
Views: 7132

Re: quick double check that 85% of my SS will be subject to tax

I’d rather have $14,000 in realized gains.
by NYnative
Tue Feb 12, 2019 2:56 am
Forum: Personal Investments
Topic: quick double check that 85% of my SS will be subject to tax
Replies: 88
Views: 7132

Re: quick double check that 85% of my SS will be subject to tax

There’s an easy solution to that - don’t be successful.
by NYnative
Tue Feb 12, 2019 1:41 am
Forum: Personal Investments
Topic: quick double check that 85% of my SS will be subject to tax
Replies: 88
Views: 7132

Re: quick double check that 85% of my SS will be subject to tax

I'm not sure I understand all the math involved and why people are so worried about just being below a break point. If you have that little income, you deserve to have less of your SS taxed. If you are over that limit, then you get hit at 50% or 85% of your SS being taxed at your highest marginal ra...
by NYnative
Mon Feb 04, 2019 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Best sites to evaluate the financial differences between states?
Replies: 20
Views: 1303

Re: Best sites to evaluate the financial differences between states?

A bit feisty today, aren't we? How about just ignoring posts you don't want to read? People do like to share their opinions and provide what they believe is advice on the Boglehead forum. Or have you ever posted anything that doesn't exactly respond to what the OP asked for?
by NYnative
Mon Feb 04, 2019 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Best sites to evaluate the financial differences between states?
Replies: 20
Views: 1303

Re: Best sites to evaluate the financial differences between states?

Just remember to spend several months in wherever you choose prior to making a final decision and buying a home there. Or keep your main home and rent there for a year. Locations that seem wonderful for a few weeks on vacation my well turn out places that you don't really want to be in all year. We ...
by NYnative
Mon Feb 04, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance for surviving spouse of Federal employee
Replies: 3
Views: 280

Re: Health insurance for surviving spouse of Federal employee

The simple answer is yes. As long as she receives a survivors annuity, she will retain her FEHB insurance benefits. The price will drop to self only once FEHB is notified. If she is receiving social security on her own record, she will get the higher of her benefit or your father's. Same if she is r...
by NYnative
Mon Jan 07, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help me choose a co-op buyer!
Replies: 11
Views: 1249

Re: Help me choose a co-op buyer!

Maybe she doesn’t want to tie up a lot of her money in an illiquid asset. Once you give that money to the bank, it’s not easy to get back. As long as she’s working and has a stable job, I believe she’s better off with a larger mortgage and more money to invest. If she was retired, it might be a diff...
by NYnative
Sun Jan 06, 2019 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help me choose a co-op buyer!
Replies: 11
Views: 1249

Re: Help me choose a co-op buyer!

Good reasons to dislike any criteria other than financial ones and avoid buying something where your “suitability” could be an issue. As Groucho Marx once said: “I don't want to belong to any club that will accept me as a member.”
by NYnative
Sun Jan 06, 2019 10:14 pm
Forum: Investing - Theory, News & General
Topic: For those retired a few years
Replies: 58
Views: 5352

Re: For those retired a few years

Retired 6 years. Spending overall is probably about the same, but changed in most categories. Travel is way up - going on long trips visiting places we never thought we would see. However income is down, so spending as a percentage of income is about double. When people they say spending is up or do...
by NYnative
Sun Jan 06, 2019 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help me choose a co-op buyer!
Replies: 11
Views: 1249

Re: Help me choose a co-op buyer!

I agree with presenting both to the board and letting them decide, as it’s going to be their choice anyway. That will save time and insure an acceptable decision. Of course, one might question why anyone would put themselves through something like this. Sounds like a totally humiliating process, esp...
by NYnative
Sun Nov 11, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: USAA getting out of mutual fund biz
Replies: 51
Views: 10535

Re: USAA getting out of mutual fund biz

"price depends on what company you end up getting insured through. if you are in the top tier.. (i.e. have a Subscribers Savings Account), yes, then rates are hard to beat."

I agree. I am in that tier.
by NYnative
Sun Nov 11, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: USAA getting out of mutual fund biz
Replies: 51
Views: 10535

Re: USAA getting out of mutual fund biz

"Really? They are still top ranked, by far, in all the rankings for customer service and member satisfaction." Yes - for insurance. I've been with them since I was in ROTC. But for life, home and car insurance only. That's why they were created - to provide insurance for the military with no war cla...
by NYnative
Mon Oct 22, 2018 10:26 pm
Forum: Personal Investments
Topic: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?
Replies: 38
Views: 7248

Re: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus mo

It’s a great idea to consolidate accounts for simplicity, but I draw the line between investing and banking. Vanguard is is my investing platform. Navy Federal Credit Union for banking. Just about everything is free. Good loan rates. Great credit cards and rewards. And easy to use phone app that let...
by NYnative
Sun Oct 21, 2018 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 6060

Re: 8 reasons why pensions are [good]

Well, you're still wrong, in spite of what you wrote about a totally unrelated pension program. [/quote] I'm wrong about CALPERS, but how would anyone have any idea what program you were talking about? It could have been any government retirement program in the US, from the federal one to one in Far...
by NYnative
Sun Oct 21, 2018 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 6060

Re: 8 reasons why pensions are [good]

You should read carefully before you claim something is "totally false". I didn't say these were federal pensions. They're calpers/calstrs pensions. Apology accepted. [/quote] No apology offered. I didn’t say you were lying, I said they were lying. It would probably be a good idea for any of us pres...
by NYnative
Sun Oct 21, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 6060

Re: 8 reasons why pensions are [good]

Here's something that's even better: getting a lifetime pension starting in your 20s or 30s. I knew some married couples who both worked for the government and had one or two children. One or both parents would name a child as the beneficiary of the pension instead of their spouse since the spouse ...
by NYnative
Sun Oct 21, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 6060

Re: 8 reasons why pensions are [good]

[/quote]You think $3750/mo. is "trash"? I'll trade with you. My pension is $65/mo. :moneybag [/quote] I gotta agree with you. That amount plus SS based on always hitting the max, is pretty darn good by any measure - another $33,456, adjusted for inflation, if he retires at FRA. If he waits until 70,...
by NYnative
Sun Oct 21, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 6060

Re: 8 reasons why pensions are [good]

Momus wrote: ↑Sun Oct 21, 2018 4:43 pm My pension is trash. I get $3750/mo after 40 yrs (about $93/mo/yr of service). No cola. Pension at 45k/yr in 2048. Income at 150k/yr. So that's only replacing 30% of income, and it doesn't go up for inflation either... so in 2048, it's probably feel like I am g...
by NYnative
Sun Oct 21, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 6060

Re: 8 reasons why pensions are [good]

Even federal pensions are not what they used to be. CSRS was and still is the gold standard - it ended 30 years ago for new employees and the number of active employees under the plan has been dropping steadily over the years. The primary benefit is a full pension at 55 with 30 years of service link...
by NYnative
Mon Oct 08, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 210
Views: 55589

Re: GEICO auto rates vs. USAA: too good to be true?

What??? You mean everyone doesn't get their hair cut at the barber school by students, have their dental work done at the local dental school, use a lawyer who has a correspondence degree from the university of Samoa, get bids from several doctors every time they need surgery? Say it ain't so. Remem...
by NYnative
Sat Oct 06, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 210
Views: 55589

Re: GEICO auto rates vs. USAA: too good to be true?

I've never compared auto insurance prices. However, I plan to this year. I've had USAA coverage (renters only) before I had a drivers license. I was in ROTC in college and several of the military instructor cadre suggested I look into it. Much lower prices for NYC than other carriers. I kept it thro...
by NYnative
Wed Sep 05, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: HVAC annual contracts vs yearly annual cleaning
Replies: 32
Views: 2646

Re: HVAC annual contracts vs yearly annual cleaning

mrc wrote:
Wed Sep 05, 2018 2:40 pm
The tech carried to 5gal jury cans of fuel....The only reason we had service, and the extra mile of the jury cans...
I thought you had misspelled the word jerry cans as jury cans until I googled the term and it’s a common usage in Canada 🇨🇦. Never heard it before :confused :?:
by NYnative
Tue Sep 04, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: HVAC annual contracts vs yearly annual cleaning
Replies: 32
Views: 2646

Re: HVAC annual contracts vs yearly annual cleaning

Depends on the fuel. If it’s oil, YES I would consider the contract, as the heat exchanger needs to be cleaned of soot, the nozzle and fuel filters changed, and have the burner tuned annually. Agree completely. We have oil and we have an annual furnace maintenance contract with our oil supplier. No...
by NYnative
Wed Aug 29, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 6365

Re: Planning for an Indian wedding In NY/ NH area.

I don't know how many here have recent experience with a wedding for one of your kids. DS was married in May and there were about 80 guests in attendance. We live in a somewhat high cost area, but there are many that are far higher. I don't know the intricacies of an Indian wedding, but I estimate t...
by NYnative
Tue Aug 28, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: Knob and Tube rewire cost
Replies: 39
Views: 7474

Re: Knob and Tube rewire cost

I have a simple answer as to why K&T should be replaced sooner, rather than later. It's called fire. My nephew is a fire captain in a town where there are many older homes - some going back 150 years, as well as others built within the last 40 to 50 years (and of course, some really new ones). Our h...
by NYnative
Tue Aug 28, 2018 11:10 pm
Forum: Personal Consumer Issues
Topic: Negotiating with XM
Replies: 27
Views: 2814

Re: Negotiating with XM

50% off their renewal rate is pretty standard with little effort. You may have to ask to speak with a stateside rep instead of wherever your call is initially routed to. They make lots of money from people who just accept whatever the charge is without question. Same with Comcast, Cox, etc. (except ...
by NYnative
Tue Aug 14, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 7587

Re: Paper checks yes or no?

I don’t know for sure, but I have not seen any evidence that stores that have the card symbols on their door or near the cash register are asking extra to use credit cards. YMMV
by NYnative
Tue Aug 14, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 7587

Re: Paper checks yes or no?

Many, if not most, local jurisdictions impose fees for using credit cards. I have had contractors tell me that payment is check or cash, unless you want to pay a 3% credit card fee. To my knowledge, stores that accept credit cards are prohibited by the card companies from charging extra to accept su...
by NYnative
Tue Aug 14, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 7587

Re: Paper checks yes or no?

In the 80's and 90's there were a large number of smaller stores that offered a 5% cash discount, to include checks. At least one bank, not a national one, had agreements with a number of stores where you would pay the full price and then get a credit of 5% in an account that you opened with that ba...
by NYnative
Mon Aug 13, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 7587

Re: Paper checks yes or no?

I don't do any banking business with any commercial banks except their credit cards. Too many gotchas, too many fees, too many changes with little, no or even retroactive notice. I stick with 2 credit unions that do both certified and cashiers check for free, but have only used that free service a f...
by NYnative
Sun Aug 12, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 7587

Re: Paper checks yes or no?

I agree with all the posters who stated there is a still place for personal checks. In the 80's I went through about 300 checks a year and a lot of stamps. On line bill paying didn't exist. The only way to pay nearly all bills was to write a check and mail it. Plus, most bills came via snail mail wi...
by NYnative
Tue Jul 17, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 8894

Re: Anyone not have a Budget?

Yes it is - also called a budget. You decide what you want and need and then allocate money to it. budg·et ˈbəjət/Submit noun an estimate of income and expenditure for a set period of time. "keep within the household budget" synonyms: financial plan, forecast; More allow or provide a particular amou...
by NYnative
Tue Jul 17, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 8894

Re: Anyone not have a Budget?

Why? As long as spending is below income and what you put in savings, what's the point of a spending plan. Sounds like just another name for a budget.
by NYnative
Sun Jul 15, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 5932

Re: Bears!!!

I've never seen a bear in the desert. In the Phoenix area we have coyotes, javalinas, an occasional wolf, rattle snakes (and a few other types), rats of all type, some huge, and far too many people. But bears?? The 110+ temps in the summer is not the right environment for bears.