Search found 280 matches

by stickman731
Sat Jun 10, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 61
Views: 9077

Re: best way to buy tires

Remember the most important thing about tires are the age - https://www.youtube.com/watch?v=GpjQ2CSgzjk

Please be safe and check the age.
by stickman731
Wed Jun 07, 2017 5:30 am
Forum: Personal Consumer Issues
Topic: EZPass not read, rental car, high fee
Replies: 37
Views: 6801

Re: EZPass not read, rental car, high fee

In NJ, on the summons, just fill out the form with your EZ pass Tag ID and they just charge the toll no fees. I once had 98 (yes 98 violations) in the NJ/NY/ PA area - I had a lot of windshield time on my sales job. I forgot that I placed the device in my other vehicle (truck for housework) which i ...
by stickman731
Sat May 20, 2017 5:07 am
Forum: Personal Consumer Issues
Topic: iPhone GPS apps
Replies: 15
Views: 1913

Re: iPhone GPS apps

Waze for local around NJ and NY area, but preferred my Nuvi for long haul trips. For traveling, I like the following: iExit (let you know what food / hotels are ahead) Maps.me and/or - UlmonPro - CityMaps2Go I like to download other countries / cities when I visit. Always helpful HereWeGo - has a ni...
by stickman731
Fri May 19, 2017 7:29 am
Forum: Personal Consumer Issues
Topic: f.lux software/blue light reduction for devices
Replies: 11
Views: 971

Re: f.lux software/blue light reduction for devices

I have use f.lux for years. Now Apple has their own imbedded NightShift. Since it is integrated with the OS, it works just as well without tweaking.
by stickman731
Tue May 16, 2017 5:36 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 41102

Re: 2017 hedge fund contest

Let me see how spinoffs were treated in the past and I'll make the appropriate adjustment. Given it's an all stock deal, I'm inclined to make the outcome the equivalent of taking the VVV spinoff shares, closing that position, and reinvesting back in the original ASH, with everything done as of the ...
by stickman731
Mon May 15, 2017 9:23 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 41102

Re: 2017 hedge fund contest

My short ASH had a tax free spin-off of VVV and the share price on ASH was adjusted. I think adjusted price need to place in the spreadsheet.
by stickman731
Sun May 14, 2017 5:15 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 51409

Re: Regret early retirement/downsizing

I took a voluntary severance package at 56 after working ~30 years. For 27 years when we were a private company, I loved my job and was rewarded well for hard work and results; we were acquired and the last three years were very frustrating. No raises because I was highly compensated and no bonuses ...
by stickman731
Tue May 09, 2017 5:00 am
Forum: Personal Consumer Issues
Topic: Fitbit Blaze vs Apple Watch
Replies: 24
Views: 3043

Re: Fitbit Blaze vs Apple Watch

+1 for the Apple Watch. I have the original and love it. I also like the Health and Activity apps associated with it, but I prefer the Cardiogram app on the iPhone for heart rate tracking provides better graphic. I also couple Health with my Omron blood pressure monitor and get a full view. For me p...
by stickman731
Sat Apr 22, 2017 5:49 am
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 12623

Re: Removing a tree - expensive!!!

I am surprised by some of the high quotes - I live in an urban area and like i previous mentioned it was ~$400/per tree. After Superstorm Sandy (remember it was not a hurricane); otherwise, insurance would not cover it. I had six >75 ft tall spruces removed along the side of my house (the previous o...
by stickman731
Sat Apr 22, 2017 5:36 am
Forum: Personal Finance (Not Investing)
Topic: Unemployment severance. Weekly or lump sum?
Replies: 12
Views: 1288

Re: Unemployment severance. Weekly or lump sum?

I would take the lump sum just in case she does not get the job !!! In some states, taking a weekly pay out mean "employment" and you do not qualify for unemployment benefits. By taking the lump sum, you qualify for unemployment benefits immediately in NJ. I would bank the monies and use as an emerg...
by stickman731
Fri Apr 21, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 12623

Re: Removing a tree - expensive!!!

That seems expensive but I live in NJ. I have had an oak, maple (pool installation) and spruces (6 due to Sandy) removed for ~ $400 each including stump grinding over the last 10 years. I would get more quotes and would make sure they have insurance - they cut corners by hiring undocumented workers.
by stickman731
Mon Apr 10, 2017 5:46 am
Forum: Personal Consumer Issues
Topic: Backyard shed, wood or plastic?
Replies: 31
Views: 5879

Re: Backyard shed, wood or "plastic"?

I would vote for wood. I helped a friend assemble a plastic one about 8 years ago - it was not as easy as implied - at times very frustrating and blood pressure raising - we are both handy and we had a good foundation. Three years ago his locking mechanism broke and it took months to find a replacem...
by stickman731
Tue Apr 04, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: House buying- How to think about property taxes?
Replies: 39
Views: 4497

Re: House buying- How to think about property taxes?

I live in Middletown Township and my 2017 property assessment = the land value increased $55,000 and the house less than $1,500. My taxes were ~$8,000 for 2016. With the new assessment, I will exceed $10,000 based on 2016 ratable rate. For the last three years since the 2% standard was enacted - my...
by stickman731
Tue Apr 04, 2017 5:57 am
Forum: Personal Consumer Issues
Topic: House buying- How to think about property taxes?
Replies: 39
Views: 4497

Re: House buying- How to think about property taxes?

If you are living on a budget you need to more concern with the tax increase and does your salary allow you pay them without distress. I live in Middletown Township and my 2017 property assessment = the land value increased $55,000 and the house less than $1,500. My taxes were ~$8,000 for 2016. With...
by stickman731
Fri Mar 10, 2017 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Are we ready to buy a house? What should our price range be?
Replies: 56
Views: 5596

Re: Are we ready to buy a house? What should our price range be?

Right now there are no other obligations. Our take home plus my car allowance is is $7450/mo. I'm always concerned they're going to cut that back which is why I don't include it. I know that once we buy the house a child will come along. Once the child comes along that will be another $1000-$1500/m...
by stickman731
Wed Feb 15, 2017 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement
Replies: 21
Views: 3347

Re: Early Retirement

I was in the similar situation two plus years ago. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=133050 I took the advise of the Bogleheads and decided to take the package. The funny thing is that my portfolio actually grew. I understand this is due to the stock market cycles but it feels goo...
by stickman731
Tue Jan 17, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 133
Views: 20729

Re: Best DNA genealogy testing kits

I give talks on genealogy research in my local area and people often ask me about the DNA tests to find out where they came from. Part of my my answer is "If you don't like the results of the test, get tested at one of the other companies that do it and you'll get a different result you might like ...
by stickman731
Sat Dec 31, 2016 6:18 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 41102

Re: 2017 hedge fund contest

Sticky Wonder Fund

LONG: OLED, CC, ACET

SHORT: ASH, TSLA
by stickman731
Mon Dec 19, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 110
Views: 24345

Re: Water Heater Install $1,800!

I had Lowe's install my hot water heater 2 years ago for cost of unit, installation, disposal and permit for a little over $700 in NJ.
by stickman731
Wed Dec 14, 2016 12:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 168
Views: 22287

Re: How Did You Become A Boglehead? What Led You Here?

Simply by chance, I started investing in DRIPs in my early 20's - I thought it easy - no fees until sold and equity appreciation with dollar cost averaging overtime - my early investment in Allied Signal (now Honeywell) and Kimberly-Clark have served me well and I still have them. Then I got a real ...
by stickman731
Wed Dec 14, 2016 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Well, just got first pair of golden handcuffs
Replies: 58
Views: 10396

Re: Well, just got first pair of golden handcuffs

If you are saying any investment can throw you into AMT, then you are correct. RSUs are no different. Just like the company gave you a bonus and you decided to go buy stock with it. Yes, that is what I am saying - I am alerting to try to become more tax efficient - I was foolish in my youth and did...
by stickman731
Tue Dec 13, 2016 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Well, just got first pair of golden handcuffs
Replies: 58
Views: 10396

Re: Well, just got first pair of golden handcuffs

You must remember now that your tax situation may change - salary, bonus and now if you exercise the RSU you could trigger AMT causing you to pay more taxes ! I don't see how. RSUs have nothing to do with AMTs that regular income doesn't. I think you're thinking about ISOs, not RSUs. The latter sim...
by stickman731
Tue Dec 13, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 19502

Re: How old is your vehicle?

I have two vehicles - 2010 Ford Edge with 117,00 miles - no issues, great car - only oil changes and 1 new set of tires - I am due for another set shortly. 1996 Dodge Ram 1500 Magnum V-8 ( MY TOY ) - 95,000 miles - purchased new with cash ($21,000 - a great deal at the time since sticker was 28K). U...
by stickman731
Tue Dec 13, 2016 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Well, just got first pair of golden handcuffs
Replies: 58
Views: 10396

Re: Well, just got first pair of golden handcuffs

Congratulations. As you continue your career, you will probably accumulate more based on your pay grade and performance. In my case, my RSU mature 1/3 after each anniversary date. You must remember now that your tax situation may change - salary, bonus and now if you exercise the RSU you could trigg...
by stickman731
Mon Dec 12, 2016 6:53 am
Forum: Personal Consumer Issues
Topic: Recommendation for Carbon Monoxide Alarm/Detector
Replies: 11
Views: 1722

Re: Recommendation for Carbon Monoxide Alarm/Detector

Most brands are equivalent - what you need to know is that CO monitor's sensors have a shelf-life of about 5 years and should be replaced. I also recommend that you purchase one that has product registration (Kidde and First Alert do have it) so that you can be alerted if there are any issues. Just ...
by stickman731
Sat Dec 10, 2016 6:30 am
Forum: Personal Consumer Issues
Topic: travel to Istanbul
Replies: 42
Views: 3946

Re: travel to Istanbul

I was in Istanbul two years ago for 6 days for work and had no issues. However, with the civil unrest and blaming of Americans, you should be caution. I did not have any issues and actually had a guide for two days of touring. It allowed me to circumvent lines at many of the historic attraction. It ...
by stickman731
Fri Dec 02, 2016 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage?
Replies: 107
Views: 9883

Re: Pay off mortgage?

Lots of people say to pay off the mortgage without giving a good financial reason. As I stated earlier I paid off the mortgage, then 18 month later was given a severance package which allowed me to retire early. No ongoing bill / debt was the best financial decision one can make on any purchase. I ...
by stickman731
Thu Dec 01, 2016 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage?
Replies: 107
Views: 9883

Re: Pay off mortgage?

YES YES YES Pay it off - greatest sense of relief. I paid mine off 4 years ago and exactly 18 months afterwards my company was acquired. New company offered a severance package and now retired at 58. Could not be better not having to worry about a mortgage payment. Thank you Bogleheads for all your...
by stickman731
Wed Nov 30, 2016 6:42 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 22
Views: 2837

Re: Warren Buffett Books

I read "The Snowball" but it length took time. I like highlighting things and was forgetting what I highlighted.


It was good but I preferred Buffettology that was authored by the wife of his son Peter and it was shorter.
by stickman731
Sun Nov 27, 2016 7:29 am
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 309
Views: 55346

Re: What is your favorite consumer product?

Nike Air Zoom Vomero 10 - best and lightest running / walking shoe - after purchasing them I actually went and brought 3 more pairs because they will be discontinued the next time I shop. Trader Joe's Dark Chocolate cover Cherries or Dark Chocolate cover salted almonds. I get my fruit and nuts in a ...
by stickman731
Wed Nov 16, 2016 6:53 am
Forum: Personal Consumer Issues
Topic: AppleCare on MacBook Pro?
Replies: 40
Views: 5376

Re: AppleCare on MacBook Pro?

I would vote yes - I live in an Apple Universe and love it. I got into their universe because I found that all their devices last longer the Window-based systems. My iMac is 6-7 years old and still working extremely well (just update to latest iOS without issue). I buy the most up to date hardware, ...
by stickman731
Sat Nov 05, 2016 5:48 am
Forum: Personal Consumer Issues
Topic: MacBook Air/ Chromebook
Replies: 37
Views: 5189

Re: MacBook Air/ Chromebook

Did she have "Find My Mac" feature? If yes, she can locate as follows"


https://support.apple.com/en-us/HT204756
by stickman731
Thu Oct 27, 2016 9:43 am
Forum: Personal Finance (Not Investing)
Topic: classy way to tell colleague's "I'm leaving for the money"
Replies: 22
Views: 3323

Re: classy way to tell colleague's "I'm leaving for the money"

Only say it is for career opportunity and new challenges. DO NOT BURN any bridges - it is not always greener on the other side.
by stickman731
Wed Oct 05, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 74
Views: 9587

Re: Mitsubishi ductless heating/cooling unit

A lot of talk about Mitsubishi, but I might suggest looking at Fujitsu as well. Our recent purchases of split ductless aircons have been from Fujitsu (older ones from Hitachi and Daikin), mainly based on price and efficiency. Especially recommend getting the ones with sensors that can tell whether ...
by stickman731
Thu Sep 29, 2016 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Intuit Quickbooks for Mac
Replies: 11
Views: 2564

Re: Intuit Quickbooks for Mac

Just got this e-mail - Hoorah Thank you for being a loyal QuickBooks Desktop for Mac customer. As you may have heard, Apple has just announced the launch of a new operating system named Sierra. Our records show that you're using a 2015 version of QuickBooks Desktop for Mac. We want to let you know t...
by stickman731
Sat Sep 17, 2016 7:03 am
Forum: Personal Consumer Issues
Topic: Basic pool equipment - best brands/types
Replies: 40
Views: 4929

Re: Basic pool equipment - best brands/types

I've bought far too many telescopic poles... most of them are junk. The longest lasting was an aluminum pole sold by Polaris. This year I decided to just get what the pool service techs use: Skimlite Mine was about a hundred bucks but the company makes quality aluminum and fiberglass poles starting...
by stickman731
Fri Sep 16, 2016 3:28 pm
Forum: Personal Consumer Issues
Topic: Basic pool equipment - best brands/types
Replies: 40
Views: 4929

Re: Basic pool equipment - best brands/types

My robot is a DL2010 DLX Dolphin Diagnostic Deluxe Model that I purchased in 2005 for $689 (including tax) with a three year warranty. I have had no issues. Dolphin no longer makes this model, but one of my friends purchased a DX5 model without remote control about 2 years ago without any issues. I ...
by stickman731
Thu Sep 15, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Basic pool equipment - best brands/types
Replies: 40
Views: 4929

Re: Basic pool equipment - best brands/types

After reading a bit, it seems that one of the key advantages of robots is that they don't put unwanted junk into the pump/filtration system and don't require additional water (and thus higher water bills). For the regular vacuums, it seems one has a choice of "vacuuming to waste" to bypass the filt...
by stickman731
Thu Sep 15, 2016 5:43 am
Forum: Personal Consumer Issues
Topic: Basic pool equipment - best brands/types
Replies: 40
Views: 4929

Re: Basic pool equipment - best brands/types

I will only give you one recommendation and this is to get a robotic pool cleaner. I have had an in-ground pool for 11 years and purchased a top of the line Dolphin pool cleaner (http://dolphinpoolrobot.com/en/residential-pool-cleaners). It is worth the cost !!! and it is fun to watch with a glass o...
by stickman731
Sun Aug 14, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: Building a Pool
Replies: 64
Views: 7912

Re: Building a Pool

Do it. I am in NJ and this week it was a 103'F with high humidity. We did ours 11 years ago for ~$40,000 and about $1000 annually for chemicals, opening and closing and have no regrets! I have five words of advise on pool ownership: 1. Remember it is a construction project - make sure contractor and...
by stickman731
Sun Aug 14, 2016 5:23 am
Forum: Personal Consumer Issues
Topic: How well do robot vacuums work?
Replies: 26
Views: 3475

Re: How well do robot vacuums work?

I love my Roomba 770. I have hardwood floors throughout my home except the family room with carpet - work wonderful never had any issues - no pets thankfully. Here is a interesting story posted on NBCNews this morning. http://www.nbcnewyork.com/news/local/Pooptastrophe-Mans-Roomba-Runs-Over-Dog-Poop...
by stickman731
Fri Jul 15, 2016 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire before normal retirement age?
Replies: 93
Views: 16340

Re: Did you retire before normal retirement age?

Retired at 56 - offered a Voluntary severance package. My company was acquired in 2011 and for three years without a raise or bonus the moment they offered the package my hand went up. No regrets and a smile on my face everyday. Now off the high blood pressure meds and enjoying life. Consulting 1-3 ...
by stickman731
Wed Jul 13, 2016 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Intuit Quickbooks for Mac
Replies: 11
Views: 2564

Re: Intuit Quickbooks for Mac

They state they will support Yosemite, this implies that they will not support for new Sierra which is reported to have improved security features; thus I cannot update by Mac with the latest features. My suspicion is that they will make me upgrade (by issuing new version) within a year. I just do n...
by stickman731
Wed Jul 13, 2016 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Intuit Quickbooks for Mac
Replies: 11
Views: 2564

Intuit Quickbooks for Mac

Just got the attached e-mail from Intuit. I purchased a 2015 version like 4 month ago. :oops: :oops: :oops: Our records indicate that you may be using a QuickBooks® for Mac 2014 or 2015 desktop software version. Apple announced that the public beta of new macOS Sierra begins in July 2016. We want to...
by stickman731
Sat Jul 02, 2016 6:39 am
Forum: Personal Consumer Issues
Topic: Frameless shower glass
Replies: 20
Views: 2391

Re: Frameless shower glass

I also have two frameless glass showers - the most important thing is cleaning them properly. I had special glass installed to enhance water and dirt (soap scum and hard water) stains repellency. You can only clean them with vinegar based glass cleaner because ammonia cleaner (pH greater than 6) imp...
by stickman731
Thu Jun 02, 2016 6:11 am
Forum: Personal Consumer Issues
Topic: New formula for Kirkland Dishwasher Pacs?
Replies: 8
Views: 11453

Re: New formula for Kirkland Dishwasher Pacs?

For years Hush Detergent in Salt Lake City, Utah produce many private label brands for Costco, Sam Club, etc. They were purchased by Sun Products ~ 2008. Sun Products is the old Unilever detergents (Wisk, All). With the phosphate law introduction many dishwashing brands have failed to maintain their...
by stickman731
Sat May 21, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Buying our 1st House. What do you do when you can only put down 15% instead of 20%?
Replies: 56
Views: 5402

Re: Buying our 1st House. What do you do when you can only put down 15% instead of 20%?

I don't trust that affordability calculators a lot. They don't know my other expenses, my budget, or my long term goals. I am in NJ too, and when the time comes, no matter how much is my income, I will always look for a small house as a beginning. People say (and I believe them) that houses are mon...
by stickman731
Sat May 21, 2016 6:54 am
Forum: Personal Consumer Issues
Topic: Is $2000 reasonable for bathroom permits?
Replies: 22
Views: 3963

Re: Is $2000 reasonable for bathroom permits?

We're doing two bathrooms and have completely pulled out the hallway bathtub and the master shower and are putting all new things there. And then replacing all the tile on the walls in the bath and shower. The project started with an estimate of $17k and has now ballooned up to about $30k, after we...
by stickman731
Thu May 19, 2016 6:25 am
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 48
Views: 8123

Re: $750 repair or buy new [MacBook Pro]

I have a 2013 MacBook Pro (with one year left on Apple Care) that will cost me $750 to repair. They say I spilled some liquid on it thus voiding Apple Care. You thoughts, Cody I never had a problem with Apple Cares over ten years. It was one of my best purchases for my college children. They all ha...