Search found 269 matches

by stickman731
Thu Jan 28, 2016 7:33 am
Forum: Personal Consumer Issues
Topic: Dinner Ideas
Replies: 57
Views: 7961

Re: Dinner Ideas

The fastest and easiest for us are the Trader Joe's frozen pasta preps and we usually add either shrimp or diced chicken - all done in under 15-20 minutes.
by stickman731
Thu Jan 21, 2016 7:35 am
Forum: Personal Consumer Issues
Topic: Car tire replacement
Replies: 45
Views: 4899

Re: Car tire replacement

Price and availability are important, but tire age is critical for safety. Too many tire stay in inventory is smaller shops. Please check out the video. I had a local national chain place 1 - 10 year old tire on my 1998 Dodge Ram even though I explicitly asked. I had them remove all four and place s...
by stickman731
Wed Jan 13, 2016 8:35 am
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 9342

Re: What would you tell your 25 yr old self?

1. Remember to say I love to the people around you - time is fleeting and it will pass you by before you realize it. 2. Do NOT , I repeat, Do NOT , actively trade stocks - invest in low cost mutual funds and invest, invest, invest slowly over time. 3. If you travel for work, take sometime to enjoy t...
by stickman731
Mon Jan 04, 2016 7:48 am
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 33367

Re: 2016 hedge fund contest

Sticky Wonder Fund

Long
HDP
LLY
FB

Short
ASH
DDD
SSYS
by stickman731
Tue Dec 29, 2015 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Writing checks - a Bogleheads thing to do?
Replies: 117
Views: 11933

Re: Writing checks - a Bogleheads thing to do?

I write 16 checks per year excluding gifts to my nieces and nephew whom live out of town. The 16 checks are 12 to the NJ American-Water (they have $3 convenience fee) for paying on line and 4 for my quarterly taxes (no online payment option). I really hate it when anyone charges me a convenience fee...
by stickman731
Thu Dec 24, 2015 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Personal umbrella insurance policies
Replies: 34
Views: 4173

Re: Personal umbrella insurance policies

Your retirement assets are protected while in the retirement account. However, once you withdraw funds, as you must do every year once yo hit 70.5, the money you take out is fair game. I would get the umbrella policy for peace of mind. The above statement is not completely true it varies with state...
by stickman731
Wed Dec 23, 2015 7:19 am
Forum: Personal Consumer Issues
Topic: For those who have seen the new Star Wars movie
Replies: 36
Views: 5316

Re: For those who have seen the new Star Wars movie

I purchased on-line about a three weeks ago to get good seating and saw it Monday. I am an AMC Stubs member ($9 annual fee) which allows you to build rewards points for all tickets and concession items. They wave the convenience fee if you purchase via AMC website. The rewards card also automaticall...
by stickman731
Mon Dec 21, 2015 7:13 am
Forum: Investing - Help with Personal Investments
Topic: NJ Teacher Investment Options
Replies: 35
Views: 4718

Re: NJ Teacher Investment Options

My ex Sister-in-Law works in Monmouth Co and her options were almost identical. About 10 years ago, she was wondering why her money was not really growing so she asked me to review it. I was astonished that the "adviser" had her in the highest fee funds (almost 3%) - AXA was the worst. I made her im...
by stickman731
Sun Nov 29, 2015 12:10 pm
Forum: Personal Consumer Issues
Topic: NYC in early December
Replies: 29
Views: 4719

Re: NYC in early December

A nice little summary of Christmas in New York

http://www.app.com/story/entertainment/ ... /75927524/
by stickman731
Fri Nov 20, 2015 7:28 am
Forum: Personal Consumer Issues
Topic: Home heating issues
Replies: 53
Views: 7543

Re: Home heating issues

A lot of good advice on this thread. I would also like to recommend you contact your local utility or do some internet searches for rebates. There are always rebates (energy efficient) for replacing units. In fact, in NJ I had my system replaced for only the cost of the permits about 5 years ago.
by stickman731
Thu Nov 19, 2015 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Intuit Quicken 2016 - Is it just me or?
Replies: 11
Views: 2331

Re: Intuit Quicken 2016 - Is it just me or?

Quicken recently updated Quicken for Mac and it was a disaster . I think we are now on version 2.8 and it still does not work for me or overwrote some of my files, luckily I always have a back-up. I have been on the computer or phone with their helpdesk over 3 hours - still having issues. I would ne...
by stickman731
Wed Oct 14, 2015 7:05 am
Forum: Personal Consumer Issues
Topic: Hot water heater
Replies: 27
Views: 3128

Re: Hot water heater

The price seems very high. What was the warranty when you purchased it? I had Lowe's install a Whirlpool 50 gal with a 12 year limited warranty for the tank and parts for around $800 in 2006. In 2012, the tank started leaking and they replaced the entire unit for only my permit cost ($35). They did ...
by stickman731
Tue Oct 13, 2015 7:13 am
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 227
Views: 40121

Re: Bogleheads 2015 Hedge Fund Contest

Just wanted to let you know that BTU had a reverse stock split 15:1 which are effecting the results.

http://finance.yahoo.com/news/peabody-e ... 00309.html
by stickman731
Sun Oct 11, 2015 8:42 am
Forum: Personal Consumer Issues
Topic: Planning a trip to Rome, need advice
Replies: 49
Views: 5025

Re: Planning a trip to Rome, need advice

All the recommendations are good. Avoid last Sunday of the month because all museums are free but it is shear chaos with long wait. If you are not afraid of highs or confine spaces, I recommend going up into St. Peter's Dome - the view is spectacular. http://postimg.org/image/vmzt69v6h/ On dining, I...
by stickman731
Tue Oct 06, 2015 7:19 am
Forum: Investing - Theory, News & General
Topic: Tony Robbins Said It Well
Replies: 30
Views: 3642

Re: Tony Robbins Said It Well

I watched the interview live and laughed since he essentially re-iterated John Bogle's mantra about high fees and difficult to read prospectus. He then added the recent Supreme Court ruling about fuduciary duties of companies in 401K offering and administration.
by stickman731
Wed Sep 30, 2015 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Laid off today.. please advise
Replies: 35
Views: 6505

Re: Laid off today.. please advise

Although you can look into filing for unemployment, if you have a severance package any amounts paid will likely offset unemployment benefits. This is not true. It varies with state. In NJ, since severance does not extend employment you are entitled to unemployment benefits. The type of severance i...
by stickman731
Tue Sep 15, 2015 6:15 am
Forum: Personal Finance (Not Investing)
Topic: About to pay off mortgage
Replies: 20
Views: 3454

Re: About to pay off mortgage

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 make sure your tax statement and bills are sent to you to avoid late payment fees - the bank will not forwar...
by stickman731
Thu Sep 10, 2015 6:17 am
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you freeze your credit?
Replies: 58
Views: 6021

Re: POLL: Do you freeze your credit?

Yes, after high profile leaks like Targets, Home Depot and Anthem Health, I frost my credit with all three organizations. In NJ, it is free to freeze and only $5 to unfreeze. For $15, why take the risk ???
by stickman731
Sat Sep 05, 2015 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 69524

Re: Question for the Bogleheads Millionaires

jcar wrote: . Don't loan money to any individual.
I fully agree that even includes family including children.
by stickman731
Fri Sep 04, 2015 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 69524

Re: Question for the Bogleheads Millionaires

BUDGET BUDGET BUDGET - which includes savings - Do not deviate.
by stickman731
Fri Sep 04, 2015 8:01 am
Forum: Personal Consumer Issues
Topic: Best Small Purchases (Around the house)
Replies: 133
Views: 18775

Re: Best Small Purchases (Around the house)

Roomba 880 from Bed, Bath and Beyond with a 20% off coupon.
by stickman731
Fri Aug 28, 2015 6:33 am
Forum: Personal Consumer Issues
Topic: Garmin maps for Italy?
Replies: 18
Views: 4643

Re: Garmin maps for Italy?

if you have a smart phone, I use either Google or Maps.me app (http://maps.me/en/home). I used Maps.me last October in Rome and love it.
by stickman731
Fri Aug 28, 2015 6:29 am
Forum: Personal Finance (Not Investing)
Topic: How much do you donate to your kid's public school?
Replies: 60
Views: 10775

Re: How much do you donate to your kid's public school?

In Middletown, NJ about 70% of my tax dollars ($5600) go to the school system that is enough donation. I have had no children in the system for 10 years.
by stickman731
Mon Aug 17, 2015 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Cash in the house
Replies: 80
Views: 8971

Re: Cash in the house

Prior to Superstorm Sandy, only the cash in my wallet (<$100), but after the storm, yes. I was fortunate to have ~$500 right before the storm. With no power in area for 12 days, cash was the only currency for gasoline and the local supermarket opening to sell non-perishable goods. Now I go to the AT...
by stickman731
Fri Aug 07, 2015 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Take the money and run? Buyout offer
Replies: 27
Views: 4234

Re: Take the money and run? Buyout offer

I actually signed the agreement today (did not send it in) and brought it home with me. I have until tomorrow to decide to submit it. Existentialist's speak of the "anguish of freedom". This type of situation is a perfect example. thank you for the input. Good luck, I did the same and was hesitant....
by stickman731
Thu Aug 06, 2015 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Take the money and run? Buyout offer
Replies: 27
Views: 4234

Re: Take the money and run? Buyout offer

I was in similar situation last year but with more savings and a better severance package (http://www.bogleheads.org/forum/viewtopic.php?f=2&t=133050). I took the deal because I was not happy with the employer. I am going COBRA for the first 18 months and than ACA when I have no income for my medica...
by stickman731
Fri Jul 10, 2015 6:29 am
Forum: Personal Consumer Issues
Topic: What about the Ford Edge? [Revised for 2015 model]
Replies: 90
Views: 15285

Re: What about the Ford Edge?

I have a 2010 Ford Edge which has been a wonderful, trouble free car...never a major repair or any kind. It has never been in a shop beyond preventative maintenance. I drive it on the highway at just above legal speed limits and in city driving. Same here - 2010 Edge AWD with +100K miles without is...
by stickman731
Thu Jul 02, 2015 5:55 am
Forum: Personal Consumer Issues
Topic: MacBook Air - power issues
Replies: 16
Views: 2860

Re: MacBook Air - power issues

I hope you paid for AppleCares. If a battery issues, you may actually get a totally new replacement current model machine. It happen to me ~ 2 yrs ago.
by stickman731
Sat Jun 13, 2015 6:44 am
Forum: Personal Consumer Issues
Topic: How to securely dispose old computer?
Replies: 43
Views: 7770

Re: How to securely dispose old computer?

Remove the hard drive - smash with a sledge hammer a number to times and place it bleach or salt water for a couple days. There is no real way to erase the data.
by stickman731
Sat Jun 13, 2015 6:42 am
Forum: Personal Finance (Not Investing)
Topic: IPhone Financial stuff
Replies: 26
Views: 3960

Re: IPhone Financial stuff

Yes, I used my ipHone6 for many financial transactions, but the features I like the best are notifications / text messages I receive on charges for all my credit cards (it actually helped VISA security catch a credit card skimmer in my local supermarket). You need to set the alerts up for all credit...
by stickman731
Fri May 01, 2015 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on trip to Vienna
Replies: 21
Views: 3258

Re: Advice on trip to Vienna

I recommend St. Stephen Bell and Bones Tour and sit down enjoy a coffee and pastry as one of the many shops. Opera was very good - but remember a suit and tie is preferred. About 10 years, a vendor arranged a private tour guide for 4 hours for me. If you can get a private tour guide to take you arou...
by stickman731
Thu Apr 30, 2015 7:06 am
Forum: Personal Consumer Issues
Topic: My new dishwasher doesn't clean
Replies: 77
Views: 25800

Re: My new dishwasher doesn't clean

We have found the Finish Powerball tablets to be better than the Cascade powder in our current Bosch dishwasher and previous GE dishwasher. The big problem is not the machine but change in the regulation removing phosphates from automatic dishwashing detergents. The new chelating agents are just no...
by stickman731
Tue Apr 28, 2015 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 20465

Re: How much do you pay in Property Taxes?

7 of the 10 counties with the highest property taxes are in NJ.

http://www.nj.com/news/index.ssf/2015/0 ... cart_river
by stickman731
Mon Apr 27, 2015 6:12 am
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 110
Views: 30031

Re: Best (Available)Red Wine for under $15 preferrably under

burgrat wrote:Bogle, of course! Seriously, the Old Vine Zinfandel and Cabernet Sauvignon are both good. I get them at Costco for about $8 to $9 a bottle.
+1 - could not agree more but price ranges in NJ from $9 - $12.
by stickman731
Tue Apr 21, 2015 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 20465

Re: How much do you pay in Property Taxes?

Not all NJ is bad. I live in Middletown, NJ about 1 hr commute to Manhattan with approximately 2100 sq ft home and taxes are $8K. Approximately 70% of the taxes go to the schools which are very good in my area. The one big problem in my area is the "fake farm credit" taken by larger property owner s...
by stickman731
Sat Apr 18, 2015 3:32 pm
Forum: Personal Consumer Issues
Topic: noise-blocking headphones
Replies: 39
Views: 9507

Re: noise-blocking headphones

I wonder if listening to music, whether using an in-ear notice canceling headphone combined with an over the ear canceling one would help (compared to just earplug or earphone (http://www.amazon.com/Etymotic-Research-MicroPro-Noise-Isolating-Earphones/dp/B004CXBJ6A/ ) and active canceling over the ...
by stickman731
Fri Apr 17, 2015 6:24 am
Forum: Personal Consumer Issues
Topic: noise-blocking headphones
Replies: 39
Views: 9507

Re: noise-blocking headphones

I have two types of Bose - The QuietComfort 25 and QuietComfort 20i. I love my QC25 for long haul trips - comfortable and great noise reduction. I purchased the small (more like earplugs) 20i for iOS devices because I hated carrying the headphone case on short trips (1-3 day trips or few hour flight...
by stickman731
Wed Apr 15, 2015 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Birth Gift Strategy
Replies: 11
Views: 1559

Re: Birth Gift Strategy

I purchased 100 shares of HON in feb 1984 for my niece and nephew both are still holding it. I think they will use it to pay for college for their kids. It taught them the value of dividend reinvestment and holding for the long term. I just got lucky choosing the right stock. Today, I would put it i...
by stickman731
Tue Apr 14, 2015 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Ethnobotany as career choice
Replies: 40
Views: 7311

Re: Ethnobotany as career choice

He seems pretty excited about the program, but would prefer to be at the larger university (plus his girlfriend is there). I hope this is not only the reason he prefers the larger university — for this too will pass and change over time. (Just joking). He seems to be very level headed but gardening...
by stickman731
Tue Apr 14, 2015 7:22 am
Forum: Personal Consumer Issues
Topic: Experience with Apple Pay?
Replies: 32
Views: 3812

Re: Experience with Apple Pay?

I use it as a safety and convenient standpoint where it is accepted. I have had no issues except for my fingerprint confirmation being slow. About 4 years ago, I had my Visa card skimmed at a locale supermarket. About a hour after using it I started getting e-mail alerts on charges; thus, I called t...
by stickman731
Mon Apr 13, 2015 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Ethnobotany as career choice
Replies: 40
Views: 7311

Re: Ethnobotany as career choice

Glad to hear you are making progress. I do not know the specifics of a Biotechnology Degree but if it has emphasis in genetic or biochemistry I think it will serve him well particularly with all the working being done by the Big Six in gene traits relating to improving crop yield, pesticide resistan...
by stickman731
Wed Apr 08, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Magic Eraser Ruined Cabinet Doors
Replies: 11
Views: 7254

Re: Magic Eraser Ruined Cabinet Doors

I had somewhat of a similar situation but not in my kitchen. I have relative inexpensive maple cabinets in my utility room. I revitalized them with Orange Glo Hardwood Floor 4 in 1 product from Church & Dwight. If you are going to replace them, I would test it in a non-critical (door interior) to se...
by stickman731
Sun Apr 05, 2015 1:18 pm
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 44
Views: 8771

Re: Home Air Filters

I use the 20 x 25 x 1 inch 3M Filtrete Allergen Defense 1000/1085 MPR filter sold at Lowes or Home Depot locally. I have been cautioned by my HVAC company to consider not going to a higher level filter because it tends to reduce the air flow which can impact the proper operation of my HVAC units an...
by stickman731
Sun Apr 05, 2015 8:28 am
Forum: Personal Consumer Issues
Topic: Firm High Loft Pillow
Replies: 4
Views: 1100

Re: Firm High Loft Pillow

sunny_socal wrote:I've gone with Ikea's memory foam pillows.
I second the Ikea pillows. A wide selection at a good price and long lasting. I hope you have one in your area.
by stickman731
Thu Apr 02, 2015 6:18 am
Forum: Personal Consumer Issues
Topic: MacBook Air or MacBook Pro
Replies: 27
Views: 4124

Re: MacBook Air or MacBook Pro

I just purchased the MacBook Air with the fastest processor and expanded memory. I pay more upfront but it allows the computer to be used for more years with no decrease in performance. I have iMac that is 7 yrs old and is now just showing signs of slowing. I know it is slowing down because some of ...
by stickman731
Sun Mar 29, 2015 6:26 am
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 227
Views: 40121

Re: Bogleheads 2015 Hedge Fund Contest

I'm curious how well participants real portfolios mirror the selections in the contest? The biotech slide has hurt my virtual ego at number one. 99% of my portfolio is in indexed and/or vanguard funds. i only have a couple of individual stock positions for "fun"-they've worked out ok but i don't kn...
by stickman731
Sat Mar 28, 2015 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Debt in Retirement?
Replies: 74
Views: 9874

Re: Mortgage Debt in Retirement?

For me, I paid it off and wanted the freedom of the extra cash. The only down side is that I need to be more tax efficient so I minimize my payments to Uncle Sam.
by stickman731
Sun Mar 22, 2015 9:05 am
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 87
Views: 11618

Re: Laptop: Windows based vs. Apple

I used Window environment for 30 years in work and the slowness and system degradation overtime was unbearable. At home, I am exclusive Apple now. I have a 2007 iMac Desktop and at the time got the fastest processor and expanded memory — it is still working great. In fact, I recently purchased a new...