Search found 394 matches

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: 6593

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: 6593

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: 6593

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: 6593

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: 1204

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: 1204

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: 233

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: 1199

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: 1199

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: 4869

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: 1199

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: 39
Views: 5363

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: 39
Views: 5363

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: 5544

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: 5738

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: 5738

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: 5738

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: 5738

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: 5738

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: 5738

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: 185
Views: 38423

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: 185
Views: 38423

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: 2390

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: 2390

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: 5804

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: 5308

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: 2687

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: 7006

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: 7006

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: 7006

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: 7006

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: 7006

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: 8061

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: 8061

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: 5627

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.
by NYnative
Sun Jul 15, 2018 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 8061

Re: Anyone not have a Budget?

No budget here. Had one for many years when money was tight and kids at home needing savings for college. Now I know what comes in and what goes out. Being exact is too OCD for me. I guess that's a sort of budget in my head, but nothing on paper. I haven't balanced a checkbook in many years - ever s...
by NYnative
Sun Jul 15, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3577
Views: 1040688

Re: What Book Are You Currently Reading? Part VI

What's a "book?" :oops: 8-)
by NYnative
Sun Jun 24, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 74
Views: 6142

Re: "distilled" water for wife's CPAP machine

I'm assuming that nearly all of us who have CPAP machines obtained them on the advice of a Dr. and was issued a prescription to purchase one. Also that we went through a sleep study to determine whether one was necessary. Both my Dr. and the instructions that came with the CPAP (if you have one with...
by NYnative
Sat Jun 23, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 53
Views: 4046

Re: What will (or would) you tip when wages go up?

$15 an hour doesn't amount to a lot on an annual basis in the US, no matter how you look at it. There aren't a lot of locations where you can survive on a salary of about $30K a year, before deductions. Whether it's for a waiter, a fast food worker, a cashier or anyone else, it's not a lot. I don't ...
by NYnative
Thu Jun 21, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 74
Views: 6142

Re: "distilled" water for wife's CPAP machine

I think the reason for skepticism of the OPs question is that it’s an insignificant amount compared to the risk of not using distilled water. Sure, there are many ways to economize on small things that add up to decent amounts. Health is not one of them. Skip the Starbucks, bring a homemade lunch to...
by NYnative
Thu Jun 21, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2840

Re: Need new Cable Modem + Router - Please recommend

The loss of remote record setting from anywhere except on a TV at home has been publicly announced recently (finally). Comcast is in a patent dispute with TIVO and an initial court ruling went against Comcast. Comcast refuses to pay royalties, which is why they removed the feature. If this is a feat...
by NYnative
Wed Jun 20, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 53
Views: 4046

Re: What will (or would) you tip when wages go up?

Not sure what a "service fee" is. Many restaurants now have a small area at the bottom of the check with several suggested tip levels - say 15%, $17%, 20% and 22% and the respective dollar amounts. Makes it easier to figure out. And places that use ipads or other portable devices have "suggested" ti...
by NYnative
Wed Jun 20, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2840

Re: Need new Cable Modem + Router - Please recommend

I hope you are aware that Comcast removed the ability to set recordings remotely over 6 months ago. It was done without notice and it looks like it may never be provided in the future. If that’s a feature you used with FIOS, you will miss it. Also, Comcast is no different than any of the other ISPs....
by NYnative
Wed Jun 20, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2840

Re: Need new Cable Modem + Router - Please recommend

I would go with a cable modem recommended by your cable provider. Make sure it meets the requirements of the provider. As to routers, I have always used a separate one. Just got a new one a few weeks ago after the old one became intermittent. I purchased a NETGEAR R6700 Nighthawk AC1750 Dual Band Sm...
by NYnative
Mon Jun 18, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 74
Views: 6142

Re: "distilled" water for wife's CPAP machine

I've been using a CPAP for about 7 years and my annual cost for distilled water is about $11.00 a year - 12 gallons. I also clean the mask and the tank every morning. The hose about once every two weeks. Also change the filters monthly. This is not a device that you would want to skimp on for suppli...
by NYnative
Sun Jun 03, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Major Issue with Wife's Vanguard IRA - please help
Replies: 19
Views: 2032

Re: Major Issue with Wife's Vanguard IRA - please help

I believe the first thing you should do is log directly into your wife's Vanguard account (it's not yours - there is no co ownership of IRAs) and see how the account is characterized. Unless he is authorized as her agent to do this it would be a violation of the VG terms. He can have her log in and...
by NYnative
Sun Jun 03, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Major Issue with Wife's Vanguard IRA - please help
Replies: 19
Views: 2032

Re: Major Issue with Wife's Vanguard IRA - please help

I believe the first thing you should do is log directly into your wife's Vanguard account (it's not yours - there is no co ownership of IRAs) and see how the account is characterized. I don't know much about Mint, but it may be like Morningstar - which means it shows accounts, balances and lots of o...
by NYnative
Tue Apr 10, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 17781

Re: Parents have zero savings. What can I do?

So, before you got married, you went behind everybody's back and investigated the financial situation of your prospective parents in-law? I'm waiting for a single person to say that thought ever even crossed their mind, let alone actually searching the internet or even going to a private investigato...
by NYnative
Tue Apr 10, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 17781

Re: Parents have zero savings. What can I do?

after marriage[/i], unless they ask for it, to be very odd and intrusive. You can keep saying it, but it doesn't make using the internet or even a private investigator to get financial information about prospective in-laws without their knowledge pre-marriage any less bizarre. Again, I'd love to he...