Search found 334 matches

by NYnative
Wed Aug 02, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card that lists running balance online
Replies: 17
Views: 1589

Re: Credit Card that lists running balance online

Statement balance is only given at the time of monthly billing. What you get between statement balances is a running balance. And I just looked at my credit union site. It gives the date of the charge, the date the charge is posted, the identity of the charge (not what you bought, but just the perso...
by NYnative
Wed Aug 02, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card that lists running balance online
Replies: 17
Views: 1589

Re: Credit Card that lists running balance online

When you say "running balance" I'm assuming that you are saying the web site or app should list transactions and then a total of the transactions for the current billing period. Or do you mean for a year or forever? All the credit cards i have list the transactions chronologically from most current ...
by NYnative
Wed Aug 02, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Barcelona Hotel Recommendations
Replies: 30
Views: 2379

Re: Barcelona Hotel Recommendations

We have stayed in several hotels in Barcelona. El Palace Barcelona, Gran Via de les Corts Catalanes 668, 08010 Barcelona, Spain P: (+34-93) 510-11-30 is well located and has comfortable rooms. It's centrally located and you can walk to just about everything. For longer trips, taxis are cheap. We hav...
by NYnative
Sun Jul 30, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 6311

Re: TSA Pre-check for free

Ever watch Person of Interest :twisted: ?
by NYnative
Sat Jul 29, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 6311

Re: TSA Pre-check for free

Not sure how that would allow you to avoid the long lines. It might be faster than actually handing over your passport, but how would you avoid the mobs of people at the checkpoint. With Global Entry, you have a completely separate area with far fewer people and fast machines. We have yet to wait fo...
by NYnative
Sat Jul 29, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 6311

Re: TSA Pre-check for free

TSA Pre check is included in the price of Global Entry, which is why you get it all the time now :D .
by NYnative
Fri Jul 28, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 6311

Re: TSA Pre-check for free

We fly on several different airlines, depending on the destination. There are several credit cards that include free Global Entry (they refund your fee), which also includes Pre Check. Depending on how often you fly out of the US, it's a much better deal to go with Global Entry for a few buck more t...
by NYnative
Thu Apr 06, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: When to enroll in Medicare?
Replies: 17
Views: 1715

Re: When to enroll in Medicare?

[Response to removed posts - admin LadyGeek]

Final post on this thread. The word you are looking for is hijacking. That does not include correcting erroneous information which you posted. But I suppose you will post on this again as you hate to be corrected.
by NYnative
Thu Apr 06, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: When to enroll in Medicare?
Replies: 17
Views: 1715

Re: When to enroll in Medicare?

Here is what you posted: "If you apply for and start receiving SS benefits before age 65, Medicare enrollment is automatic and mandatory at age 65. When you apply for and receive SS benefits on or after age 65, Medicare enrollment is automatic and mandatory at that time." The words "is mandatory" ap...
by NYnative
Thu Apr 06, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: When to enroll in Medicare?
Replies: 17
Views: 1715

Re: When to enroll in Medicare?

OK, Spirit Rider, now you've gone from Medicare Parts A and B enrollment is mandatory if you are taking SS, to its really only Part A that's mandatory. Which happens to be free, so for most people there is no reason to opt out. You need to be careful when making absolute statements of what can and c...
by NYnative
Thu Apr 06, 2017 2:20 am
Forum: Personal Finance (Not Investing)
Topic: When to enroll in Medicare?
Replies: 17
Views: 1715

Re: When to enroll in Medicare?

Medicare enrollment isn't mandatory regardless of whether or not you have SS. Medicare is a strictly voluntary program. You can decline it, drop out of it, or join it. Penalties may apply if you join later than when you are first eligible or drop out and then rejoin. But it isn't mandatory for anyon...
by NYnative
Sun Jan 08, 2017 11:28 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 5579

Re: No Vanguard Customer Support on weekends

I have accounts with Vanguard and T Rowe Price, as well as direct accounts with several small mutual fund companies that only sell their own products (i.e. Dodge and Cox). I have never used a full service or discount brokerage. Phone support was very important prior to about 2000 and then the intern...
by NYnative
Sun Sep 20, 2015 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Out of I-bond emergency fund and into .... what?
Replies: 22
Views: 3083

Re: Out of I-bond emergency fund and into .... what?

friar1610 wrote:
NYnative wrote:
By 2020, the oldest ones will start having to be cashed as they stop earning interest after 20 years and taxes become due whether you cash them or not. .


That's 30 years, right?


Yes, sorry, thinking about H bonds which are no longer available.
by NYnative
Sun Sep 20, 2015 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Out of I-bond emergency fund and into .... what?
Replies: 22
Views: 3083

Re: Out of I-bond emergency fund and into .... what?

I bonds are a great investment?? Yes, if you purchased them 10, 12, 14 years ago. New ones now yield 0% fixed and -0.80% inflation. Why on earth would anyone buy I bonds now? I still have a bunch from the good old days yielding 4.91%, but that will drop with no inflation. I've sold all the ones I p...
by NYnative
Sat Sep 19, 2015 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Out of I-bond emergency fund and into .... what?
Replies: 22
Views: 3083

Re: Out of I-bond emergency fund and into .... what?

I bonds are a great investment?? Yes, if you purchased them 10, 12, 14 years ago. New ones now yield 0% fixed and -0.80% inflation. Why on earth would anyone buy I bonds now? I still have a bunch from the good old days yielding 4.91%, but that will drop with no inflation. I've sold all the ones I pu...
by NYnative
Sun Sep 13, 2015 4:04 pm
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 407
Views: 69253

Re: Do you think Ric Edelman is correct, never pay down mortgage

It really depends where you are in your life and how much you make, what you need cash for and your need for security. I'm fully retired, house is paid for and we are doing OK. But I often get the feeling that we are sitting of a very large pile of investable cash that we will never use or see (unle...
by NYnative
Mon Jul 27, 2015 8:37 pm
Forum: Personal Consumer Issues
Topic: Low mileage oil change
Replies: 37
Views: 14673

Re: Low mileage oil change

On the newest car (2010) with about 70K miles on it, I use synthetic oil and change it at about 8K miles, which takes about 7 months as it's our long distance vehicle. The 2004, which my wife drives, is local use only and has right at 20K miles. It gets regular oil and is changed once a year at insp...
by NYnative
Wed Jul 15, 2015 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 10034

Re: I tipped 15% and got a dirty look

Absolutely - the fancier and more expensive the restaurant, the higher the tips. That doesn't mean those who work in cheaper restaurants should get lesser percentage tips. Buffets and self serve are something else, but that's not the issue here. Yeah, you work hard for your money, but so do wait sta...
by NYnative
Wed Jul 15, 2015 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 10034

Re: I tipped 15% and got a dirty look

I waited tables for 3 summers while in college - many, many years ago. 15% was the standard tip and most customers tipped that amount or a bit more. Some a lot more, as they had kids my age and treated me like the would their own kid. Being a late teenager and in my very early 20's, I considered it ...
by NYnative
Tue Jul 14, 2015 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Good Mortgage Companies?
Replies: 21
Views: 3647

Re: Good Mortgage Companies?

Gotta say that I hated every mortgage company I had until I started using NFCU and PFCU. I had mortgages sold multiple times, with the transactions completely messed up, escrows misplaced, communicating with the new company as well as countless other issues. I'm sure other decent companies exist, bu...
by NYnative
Tue Jul 14, 2015 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Good Mortgage Companies?
Replies: 21
Views: 3647

Re: Good Mortgage Companies?

I stand corrected on NFCU. They have apparently changed their policy. When I took out a mortgage with them many years ago, they clearly stated they did not sell their loans. Times have changed. However, as far as I know, they, same as PFCU, will always service loans they issue, even if they sell the...
by NYnative
Mon Jul 13, 2015 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Good Mortgage Companies?
Replies: 21
Views: 3647

Re: Good Mortgage Companies?

Navy Federal Credit Union, if you are eligible to join, has very good rates, no hassle service and never sells its loans. Pentagon Federal Credit Union, which you can join if you become a member of a number of military related groups, or, for anyone, join the National Military Family Association for...
by NYnative
Wed Jun 10, 2015 9:06 am
Forum: Personal Consumer Issues
Topic: Social Security: "file and suspend" ?
Replies: 17
Views: 2388

Re: Social Security: "file and suspend" ?

Thanks, Peter. Makes perfect sense. Just making sure I understood the rules fully.
by NYnative
Mon Jun 08, 2015 11:54 pm
Forum: Personal Consumer Issues
Topic: Social Security: "file and suspend" ?
Replies: 17
Views: 2388

Re: Social Security: "file and suspend" ?

"However, if you filed and suspended at your FRA, you can retroactively unsuspend all the way back to your FRA." If you do this and then unsuspend all the way back to your FRA (at some age past your FRA), won't you lose the 8% annual longevity bonus (or whatever its called)? I can't see SS...
by NYnative
Wed May 20, 2015 12:10 am
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 407
Views: 69253

Re: Do you think Ric Edelman is correct, never pay down mortgage

Really? Shame and embarrassment for walking away from a loan when you lose your job or have an expensive illness or some other similar situation? Do banks feel shame and embarrassment when they make bad loans (think "liars loans" so they can make more money). Do companies feel shame when t...
by NYnative
Mon May 18, 2015 4:01 pm
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 407
Views: 69253

Re: Do you think Ric Edelman is correct, never pay down mortgage

Plus, once you are retired, banks are not very willing to loan you money without any income. If you say you have a lot of money in investments, they might just ask why you aren't using it rather than getting a new mortgage. :oops:
by NYnative
Sun Apr 05, 2015 12:02 am
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 407
Views: 69253

Re: Do you think Ric Edelman is correct, never pay dow mortg

I listen to Edelman on the radio now and then and most of what he says is common sense advice. And, no, I don't have any money under his control and I have never used an investment advisor. Keeping a mortgage forever is, IMHO, generally a bad idea for most people. However, what's good for most peopl...
by NYnative
Sat Mar 28, 2015 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Availability of doctors accepting Medicare
Replies: 12
Views: 1421

Re: Availability of doctors accepting Medicare

"The trick, I guess, is making sure you have established a relationship with a primary care doc before you hit 65."

And never move :oops:
by NYnative
Sat Mar 28, 2015 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Availability of doctors accepting Medicare
Replies: 12
Views: 1421

Re: Availability of doctors accepting Medicare

All of the doctors my wife and I see will no longer accept new Medicare patients. Since we have been patients at the practices for many years, we had no problems. The dermatologist I use does not accept any insurance, let alone Medicare. I see this as a growing problem as more people hit 65 and the ...
by NYnative
Fri Oct 31, 2014 10:28 pm
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 42
Views: 7016

Re: iPad Air 2 - 16 or 64 Gig?

128GB on the original iPad Air works very well for me. I store lots of pictures on it for show - over 8K - and that takes a lot of space. The marginal price increase from the 64GB model is small percentage-wise. Since you can't expand or attach an outboard HD, you are stuck with whatever capacity yo...
by NYnative
Tue Sep 09, 2014 2:31 pm
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 4536

Re: Poll: Which iPhone 6?

I have an iPhone 5. It's out of contract and I see no reason to upgrade now. But that wasn't a choice in the poll, so I picked the 6. I wear my phone on my belt - the 5.5 one is way too big to wear and, since I don't carry a purse, it's too large to put in a pants pocket.
by NYnative
Sat Aug 02, 2014 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 7878

Re: Is Medigap insurance really needed?

To be consistent with the poster who stated that medigap insurance is unnecessary, one should also not purchase homeowners insurance, car insurance, life insurance or any other kind if insurance. I have owned homes for over 45 years and I estimate I've paid at least $25K in insurance. Up until 2 yea...
by NYnative
Fri Jun 06, 2014 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: possible to have TOO MUCH in 401k account?
Replies: 54
Views: 11656

Re: possible to have TOO MUCH in 401k account?

I'm confused by the 1040. They show nearly $73K on the taxable line yet tax of only $388 on that amount. And there are no tax credits beyond that point and none on page one. How is it possible to get that level of taxes with that high a taxable income? I understand page one of the return, but page t...
by NYnative
Wed Jun 04, 2014 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: possible to have TOO MUCH in 401k account?
Replies: 54
Views: 11656

Re: possible to have TOO MUCH in 401k account?

IMHO, it's very possible to have too much of your assets tied up in tax deferred accounts of any kind. Not being able to touch them until separated is a big factor, but more importantly are the problems that can result from raising your tax bracket, losing deductions and possibly raising your Medica...
by NYnative
Tue Feb 25, 2014 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Reasons not to file and suspend??
Replies: 19
Views: 1723

Re: Reasons not to file and suspend??

Your wife can't collect on your SS until she is at least 62. So why would you file and suspend now? And, even then, she will take a 25% reduction for life, even if she later qualifies for her own SS which is larger than 50% of yours at 66.
by NYnative
Tue Jan 21, 2014 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with this? Bank asking for info...
Replies: 86
Views: 13059

Re: Anyone familiar with this? Bank asking for info...

I'm kind of surprised about PFCU. I would expect them to ask about annual income for a CC, but not proof. I recently (as in 2 months ago) received a pre-approved CC offer from Chase United Explorer. Since I have a United frequent flyer account, it was business as usual. What did surprise me is that ...
by NYnative
Sun Jan 19, 2014 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with this? Bank asking for info...
Replies: 86
Views: 13059

Re: Anyone familiar with this? Bank asking for info...

I try to deal exclusively with credit unions. Joined one in AZ in Nov 2013 and they didn't ask me anything other than my name, address, phone number and SSN. This was a regular checking/savings account, not a loan. I have avoided commercial banks as much as possible having had bad experiences with W...
by NYnative
Fri Jan 17, 2014 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with this? Bank asking for info...
Replies: 86
Views: 13059

Re: Anyone familiar with this? Bank asking for info...

No problem with telling anyone that I'm a US citizen. As to occupation, unless I'm applying for a loan, my standard response is "unemployed pillow plumper." Gets strange looks, but they must put down what you say. When asked race, I always reply that I'm a native American. I was born in th...
by NYnative
Fri Jan 17, 2014 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 613
Views: 95012

Re: High Earners - What's Your Profession?

Consultant to Federal Government (retired). The company I worked for billed me out at $230 an hour. I got a bit more than 1/3 of that in salary (plus profit sharing, 401K with matching, etc).
by NYnative
Tue Jan 07, 2014 12:01 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 537
Views: 28735

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

Since I was #2 for 2013 with a wild, pulled it out of my ear guess that I had forgotten about, here is my totally inaccurate prediction for 2014:

2074.5
by NYnative
Thu Dec 19, 2013 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Bryn Mawr [College]
Replies: 68
Views: 5982

Re: Bryn Mawr [College]

I also believe, but don't have stats to support it, that education breeds education. Meaning that having parents with college degrees enhances the chances of their children getting one. Which is why many selective schools give a boost to applicants that are "first generation college." It ...
by NYnative
Thu Dec 19, 2013 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Bryn Mawr [College]
Replies: 68
Views: 5982

Re: Bryn Mawr [College]

I also believe, but don't have stats to support it, that education breeds education. Meaning that having parents with college degrees enhances the chances of their children getting one. Not an absolute at all, but certainly an indicator. Socio-economics is a huge factor in education. Lots of resear...
by NYnative
Thu Dec 19, 2013 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Bryn Mawr [College]
Replies: 68
Views: 5982

Re: Bryn Mawr [College]

Many people who don't go to college say "it's just another four years of high school." Fair enough for them. Some undergraduates say it too. Barring successful education evangelism they can't be disabused of the notion, so to serve them and the wider community well, teach them what they e...
by NYnative
Thu Dec 19, 2013 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Bryn Mawr [College]
Replies: 68
Views: 5982

Re: Bryn Mawr [College]

Many people who don't go to college say "it's just another four years of high school." Fair enough for them. Some undergraduates say it too. Barring successful education evangelism they can't be disabused of the notion, so to serve them and the wider community well, teach them what they e...
by NYnative
Thu Dec 19, 2013 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Bryn Mawr [College]
Replies: 68
Views: 5982

Re: Bryn Mawr

[quote="jingo"]I’m providing one data point. Women’s colleges usually have higher percentages going to Ph.D. programs compared to women in co-ed schools.

That is a very valid data point, but I would not have known that from your original post.
by NYnative
Thu Dec 19, 2013 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Bryn Mawr [College]
Replies: 68
Views: 5982

Re: Bryn Mawr

[quote="jingo"]I went to one of the Seven Sisters, then went on to Harvard and Stanford for graduate schools. And your point is? Many graduate students at Harvard and Stanford went to state schools. Do they get to say that their schools are as good as or better than Bryn Mawr or other priv...
by NYnative
Wed Dec 18, 2013 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Bryn Mawr [College]
Replies: 68
Views: 5982

Re: Bryn Mawr

A dissenting opinion from someone who went to the City College of NY back when it was free. The current annual tuition cost at that school is at least $42,870. Doesn't say anything about 2014-15. Assuming that she will live in a dorm for at least the first year and have a meal plan, that adds $13,86...