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  1. Anthony_J

    any david sedaris fans?

    The thing I love about David Sedaris' work is that he manages to write autobiographical material without sounding self-important. It's something that few others (save for Nick Hornby in "Fever Pitch") can do. As much as I like Augusten Burroughs, I tend to get that "I've done this, isn't it...
  2. Anthony_J

    Trying to buy first house

    I agree with the above that in a potential bubble" market it's safer to go with a smaller and cheaper single family or town house. The prices on these units are just more stable. We may see prices drop over the next couple of years, but I think we've reached a point where they won't go below a...
  3. Anthony_J

    Trying to buy first house

    Jeff - How does an 80/20 work? Is it a traditional 30 year mortgage covering 80% of the value and then a 20% 15 year loan covering the balance? Basically, the bank is providing both your mortgage and a loan for the down payment, right? How are the rates on those? Ted brings up a good point...
  4. Anthony_J

    How to find sales prices of nearby homes

    Asking price of similar houses on the market is a good indicator. Figure the final sales price will probably fall within 10% above or below the asking.
  5. Anthony_J

    Trying to buy first house

    I totally understand about the cash down. It's tough. I make a very good living by most standards and still couldn't come up with 20% down plus $6,000 closing costs in cash for a small $270,000 house 7 years out of college. I had to save for two years to get enough cash to close (10% down...
  6. Anthony_J

    Can you tell a company is ripe for takeover ?

    Depends on the industry. If you have a couple of behemoths with a lot of free cash looking to gain a quick market share or really hungry to gain entry to a new market class or region, there will be takeovers (a la Cingular and AT&T). On the other hand, if the industry hasn't fully formed as of...
  7. Anthony_J

    1099 Template

    www.irs.gov would be the only place I can think of. I don't remember if they only have PDF or if you can manipulate their files electronically. You might want to check the various tax service websites, they may have those files free of charge. When in doubt, Google.
  8. Anthony_J

    How do you watch?

    Just a random thought brought on by the release of the "Hunter" TV series on DVD. My DVD habits have declined drastically over the past year with the arrival of some significantly increased living expenses. Since I haven't been buying lately (save for a few films I really want to own), my...
  9. Anthony_J

    Mortgage Structure Question

    Thanks for the info, all. They're using the USD 12 month LIBOR as the basis for the ARM. I haven't calculated the cash flow effect of a fixed vs. ARM net of tax, but my gut tells me that it'll work out about the same because I'll also get an increased tax deduction when the ARM starts to...
  10. Anthony_J

    I need a good Resume program???

    I agree with the above. A good word processing program is all you need to create your resume. The important thing is to make sure that the content and style that you decide to use are appropriate to the field and position to which you're applying. In general for anything business or IM...
  11. Anthony_J

    Mortgage Structure Question

    The ARM is adustable based on LIBOR plus 2.5%. I've heard that this is pretty standard. My mortgage place will give me 5.8% on a 30 year fixed as opposed to a 5.125% 5 year ARM. In terms of monthly payments (fully amortizing), the fixed rate will cost me about $5,500 over the 5 years that I...
  12. Anthony_J

    Mortgage Structure Question

    I need a little input from anybody well-versed in mortgage structuring... I recently signed up for an 80/10/10 mortgage. The 80% mortgage is a 5/1 ARM at 5.125%, my caps are 2% annually or 11% over the life of the loan. The second (10%) loan is a 15 year fixed at 6.95%. My mortgage guy...
  13. Anthony_J

    House - Remind Me Why?

    For those of you who have been through the 80's... How high do you think interest rates have to go before we'll see a negative effect on housing prices? Maybe 8 or 9 percent?
  14. Anthony_J

    House - Remind Me Why?

    Based on what I've seen it's impossible to make money in the rental market with prices as high as they are (unless you buy cheap and fix up). The rent I could get on my place would just about break-even with my mortgage/fees/taxes payment. A one bedroom apartment rents for about $1,100. An...
  15. Anthony_J

    House - Remind Me Why?

    Good point. But that assumes that I can find another sucker who would pay the same price I paid for the place if I were to sell it tomorrow :b To play devil's advocate - why is equity better than liquid cash or investments? I'm still not 100% clear on that.
  16. Anthony_J

    All-you-can-eat-Brazillian-buffet - good idea or not?

    They have a couple of those in Manhattan. I think in mid-town. They're a really great way to start a bachelor party (bloated stomachs tend to limit alcohol consumption and therefore, regrettable incidents) Gotta love the red and green disks. Green side up means "bring on the carnage", red...
  17. Anthony_J

    House - Remind Me Why?

    Ah yes, after five years of suffering, I'll finally be able to watch "Das Boot" at reference levels. :emoji_thumbsup: And I do understand the pride of ownership factor (although pride of ownership tends to trigger big spending). It'll be nice not to have upstairs neighbors anymore. Here's the...
  18. Anthony_J

    House - Remind Me Why?

    I'm 29, single, and just bought my first house (2 bed, 2.5 bath townhome). We had the general inspection this morning and I just finished signing a slew of mortgage papers. I feel that I've been treated well by everyone I've dealt with, but it's still been quite an ordeal (and I have yet to...
  19. Anthony_J

    SVS of Wine?

    Outstanding values to be had in Australia: Paringa Cabernet Sauvingon and Shiraz Wishing Tree Shiraz Woop Woop Shiraz The Lucky Country Cabernet/Shiraz blend The first and last ones are a bit more than 10 ($12 and $15 USD, respectively), but the middle two are about $8-$10 per bottle...
  20. Anthony_J

    Is there a way to hook up my computer to my TV?

    A related question: I have a Panny 53WX53. The manual says that I shouldn't use it for computer display. Is this a "safe" statement made by Panasonic to avoid complaints about burn-in, etc. or is it really bad to use my HD set as a monitor?
  21. Anthony_J

    Shut up and SMiLE!

    I don't think Sgt. Pepper is the right frame of reference for Smile, there's simply nothing from that era in the "pop/rock" genre that compares because it's so different. At the end of the day, Sgt. Peppers would have been a group of individual songs done by the "concept" band, whereas Smile...
  22. Anthony_J

    Wine Tasting

    Kirk - I also recommend that you talk with the store staff if they appear somewhat knowledgeable on the subject. If you're lucky enough to have a great wine shop nearby, they'll almost never steer you wrong and you'll find something that you'll like to drink even if you don't understand why you...
  23. Anthony_J

    Wine Tasting

    Andrea Immer is the best. I've been catching her show on FLN lately and have developed quite a crush. She's so energetic about the wine world and her enthusiasm really comes through. I've got a couple of South African whites (sauvingon blanc) up on deck. Looking forward to trying those...
  24. Anthony_J

    Shut up and SMiLE!

    I'm still digesting SMILE and am trying to make up my mind. I definitely recognize the genius behind the concept album and feel that the album in it's entirety really highlights how amazing the bookend tunes are in context (Heroes and Villians, Good Vibrations). I'm still undecided about the...
  25. Anthony_J

    Advice on what to put on ultimate Beatles A-Z CDs

    I tend to include the album original as released (ie. the ones I grew up with and can therefore sing along with). Alternative versions are included as additional tracks only if they're different (and good) enough to merit the disc space.
  26. Anthony_J

    Vacation in NY city

    If you'll be going to the city with people who have never been before, I highly recommend taking them over the Promenade walkway in Brooklyn Heights. It's got an amazing view of downtown and the Statue of Liberty framed into a great neighborhood filled with great bars, restaurants, and shops...
  27. Anthony_J

    Wine Tasting

    Are the New Zealand reds young drinkers or do they require some aging? A friend of mine wanted to experiment and see what it was like to commit infanticide on a bottle of bordeaux. He said the tannins were ridiculous. Just thinking about it makes me picture that "bitter beer" face...
  28. Anthony_J

    Wine Tasting

    Am I the only one who's a sucker for tasting notes? Whenever I see something alongs the lines of "blackberries, currents, and creme de cassis, chewy, long, lingering finish" or "melons and pears with a touch of vanilla and a lasting slate finish" I feel the biggest urge to crack open a bottle on...
  29. Anthony_J

    Wine Tasting

    Thanks. I never knew that wine tasting charts existed, but found one in less than a minute on google. Looks like it'll help a lot. I'll also concentrate on my developing my smell going forward. Anybody have any widely available and affordable favorites to try? (I haven't found a really good...
  30. Anthony_J

    Wine Tasting

    Is anybody here an experienced wine taster? I'm just starting to really get into it and think I've reached my first milestone (I can now tell good wine from bad wine). With regards to tasting, how does one learn to identify what they're tasting in a wine? How can you pick apart the taste into...
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