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Re: Propane use during a full twelve month period

We found a couple of other advantages to propane over home heating oil: 1-We removed our rather old single wall oil tank, which we would have had to replace (new units are double walled and much better than the old style) 2-The propane heating unit that replaced our oil burner was tiny in comparison...
by Rich Cape Cod
Wed Apr 09, 2014 11:01 am
 
Forum: Personal Consumer Issues
Topic: Propane use during a full twelve month period
Replies: 7
Views: 753

Re: Propane use during a full twelve month period

OK, took a stab at coming up with the oil/propane combined use figures. Here they are: Oil April 2011~April 2012 445 total gallons of oil used 1.3 gallons per day, on average $1,740 dollars cost (per gallon cost ranged from a low of $3.75 to a high of $4.11) Propane Feb 2011~Feb 2012 209 total gallo...
by Rich Cape Cod
Tue Apr 08, 2014 2:06 am
 
Forum: Personal Consumer Issues
Topic: Propane use during a full twelve month period
Replies: 7
Views: 753

Propane use during a full twelve month period

From time to time the subject of how well propane works for home heating comes up. I converted from oil hot water to an all propane home (heating, water, cooking, gas fireplace, emergency generator) in August 2012. Here are some numbers for an entire years use: March 2013~March 2014 677 total gallon...
by Rich Cape Cod
Tue Apr 08, 2014 1:48 am
 
Forum: Personal Consumer Issues
Topic: Propane use during a full twelve month period
Replies: 7
Views: 753

Re: Personal experience with lost bags at Newark Airport

During the late 1980s I had a part time gig doing security for TWA (I was a Lt. In the NYPD at the time). Baggage handlers had baggage theft down to a science. Very common for longer flights (by the time you got to your destination the thief was at home). Don't put ANYTHING of value in your baggage ...
by Rich Cape Cod
Wed Mar 19, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Personal experience with lost bags at Newark Airport
Replies: 17
Views: 2726

Re: Best place to procure a mortgage

Thank you all for the great info. For the record I'll put down whatever is necessary to avoid PMI.

Best to all,

Rich
by Rich Cape Cod
Mon Feb 24, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Best place to procure a mortgage
Replies: 15
Views: 713

Re: Best place to procure a mortgage

So, basically, I can expect rates to be competitive among local banks?

Rich
by Rich Cape Cod
Mon Feb 24, 2014 3:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Best place to procure a mortgage
Replies: 15
Views: 713

Best place to procure a mortgage

My spouse and I “snowbird” between AZ and Cape Cod. At the moment we are doing a long-term rental in a pleasant pvt home (in Green Valley, south of Tucson) and this will last until the end of Spring, 2016. We like the area and my wife would like us to purchase a home here when this rental is up. We ...
by Rich Cape Cod
Mon Feb 24, 2014 2:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Best place to procure a mortgage
Replies: 15
Views: 713

Re: True Detective anyone?

Enjoying the show a great deal. And, yes, the whole gang thing was downright stupid. None the less, as a guy with +41 years in the business (20 NYPD, 12 as a detective including homicide squad, another 20 as chief of police of a small town) I thoroughly enjoy the acting of the two protagonists. Matt...
by Rich Cape Cod
Thu Feb 20, 2014 2:11 am
 
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 5187

Re: Car maintenance when driven only 1000 miles/year

I believe that most of those posting about this question are “correct.” The fact that oil is being changed on a regular basis and the owner is cognoscente of the need for preventive maintenance goes a long way in prolonging the life of an auto. I reside in two states (AZ and MA), with two cars left ...
by Rich Cape Cod
Fri Dec 27, 2013 11:39 pm
 
Forum: Personal Consumer Issues
Topic: Car maintenance when driven only 1000 miles/year
Replies: 34
Views: 2177

Re: Couple in their early 70s getting a mortgage(?)

...I am wondering why you are looking at homes in that price range. Is there a specific neighborhood your wife is interested in? Is this her preferred area to live in in the future? Say if something happened to you, she would want to go to AZ to live full time so she's picking a "forever"...
by Rich Cape Cod
Wed Dec 25, 2013 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Couple in their early 70s getting a mortgage(?)
Replies: 14
Views: 1203

Re: Couple in their early 70s getting a mortgage(?)

Bruce, my thinking exactly. I do not view a Green Valley home as an "investment." This is a life-style decision, a quality of life issue.

Rich
by Rich Cape Cod
Tue Dec 24, 2013 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Couple in their early 70s getting a mortgage(?)
Replies: 14
Views: 1203

Re: Couple in their early 70s getting a mortgage(?)

Permit me to clarify my position. We have now, " de facto ," two homes. One is owned outright by us (the Cape house) the other is a rental property. We keep two cars on Cape Cod, two cars in AZ. My wife, for all intents and purposes, has created a duplicate home in AZ with basically one of...
by Rich Cape Cod
Tue Dec 24, 2013 10:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Couple in their early 70s getting a mortgage(?)
Replies: 14
Views: 1203

Re: Couple in their early 70s getting a mortgage(?)

I would not be taking out a mortgage in my later years. I frankly don't care about any pros of this. Who in their 70s, 80s and 90s needs to be writing a monthly mortgage check especially if you have the assets to pay for the house? Calm Man, while I agree with your philosophy I'm dealing with a qua...
by Rich Cape Cod
Tue Dec 24, 2013 10:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Couple in their early 70s getting a mortgage(?)
Replies: 14
Views: 1203

Re: Couple in their early 70s getting a mortgage(?)

Let me understand your plan. You currently own a home in Green Valley and stay the winters there? Correct? But you also rent a home in Cape Cod for the summer months and are now thinking about buying a second home there. The main reason for buying this second home is your wifes' need to feel at hom...
by Rich Cape Cod
Tue Dec 24, 2013 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Couple in their early 70s getting a mortgage(?)
Replies: 14
Views: 1203

Couple in their early 70s getting a mortgage(?)

Howdy all. My wife and I live on Cape Cod but spend winters in Green Valley AZ. For the last few years, and certainly through the Spring of 2016, we’ll be renting a home here (twelve months out of the year type long term rental). My wife would really like a home that’s “hers.” In other words, she’d ...
by Rich Cape Cod
Tue Dec 24, 2013 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Couple in their early 70s getting a mortgage(?)
Replies: 14
Views: 1203

Re: Confused about TSA "Pre" status

My wife and I (twice a year flyers) were pre-approved our last flight from Boston to Tucson, a mystery to us both! The kicker was, my dear spouse (a perfectly harmless 70 year old lady) had THREE, yes, three small pocket knives secreted about her person and bags! They were a result of my buying a do...
by Rich Cape Cod
Tue Dec 03, 2013 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Confused about TSA "Pre" status
Replies: 45
Views: 2435

Re: Advice for studying abroad in Spain?

For the phone issue; get a MagicJack device. After you pay your $40 bucks (then $20 a year thereafter) calls to the US from Spain will be free!

Buddy of mine does that when visiting relatives in Canada.

Best of luck,
by Rich Cape Cod
Tue Dec 03, 2013 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Advice for studying abroad in Spain?
Replies: 25
Views: 1110

Re: Palm Springs Area CA

An uncle lives in Palm Springs and has done so for about forty years. Originally from NYC, he retired as a school principle in their system and really enjoys the community as well as the area. He has commented on the heat of the summer and until the past few years (he's getting up in age) has escape...
by Rich Cape Cod
Wed Oct 02, 2013 7:17 pm
 
Forum: Personal Consumer Issues
Topic: [Moving to] Palm Springs Area CA
Replies: 34
Views: 1633

Re: Electric cars (full electrics and plug-in hybrids)

This is a very interesting thread and I'm learning a great deal about the real-world issues revolving around either an all electric or a hybrid vehicle. One question comes to mind. A number of hybrid owners report very little gasoline usage. How do they handle "stale" gasoline in their veh...
by Rich Cape Cod
Sun Aug 04, 2013 11:54 pm
 
Forum: Personal Consumer Issues
Topic: Electric cars (full electrics and plug-in hybrids)
Replies: 68
Views: 5708

Re: uses for old laptop?

I have an old XP Dell that I use as a dedicated MagicJack machine (VOIP telephone). Works great for that purpose.

Rich
by Rich Cape Cod
Sat Feb 02, 2013 1:44 am
 
Forum: Personal Consumer Issues
Topic: uses for old laptop?
Replies: 28
Views: 2569

Re: Home voip options

Perhaps my needs are not that sophisticated (or demanding) but I've been quite pleased with MagicJack. I too have read the negative reviews, especially the poor customer service issues. None the less, I have two units. One older model that connects to the computer and the newer version that can be c...
by Rich Cape Cod
Sun Jan 20, 2013 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Home voip options
Replies: 34
Views: 2370

Re: Car buying advice

I keep very good records on my cars costs (everything goes on an Excel spreadsheet). For my cars their costs were: RAV 4 (2002 purchase used), 83,000 miles of mine, $5,510 costs, .24 cents a mile to operate Lexus RX300 (2009 purchase used), 26,300 miles of mine, $1,919 costs, .22 cents a mile to ope...
by Rich Cape Cod
Fri Jan 04, 2013 10:50 am
 
Forum: Personal Consumer Issues
Topic: Car buying advice
Replies: 15
Views: 1006

Re: Jeep Wranglers

Bought a 2009 Jeep Wrangler two door Sahara model this past Spring. 20,500 miles on her. Lots of fun. Much more comfortable then I thought it'd be. Much. Mileage? On a road trip, where I watch my speed (a bit over 65 MPH) I got over 21 MPG. 17 to 19 MPG around Cape Cod. Not a Boglehead purchase. Jus...
by Rich Cape Cod
Sat Dec 29, 2012 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Jeep Wranglers
Replies: 22
Views: 2418

Re: Question about an old whole life policy

Thanks for all the input. Good advice which I'll take.

Rich
by Rich Cape Cod
Fri Nov 09, 2012 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about an old whole life policy
Replies: 13
Views: 819

Re: Question about an old whole life policy

So the cash surrender value is more than the $6,100 dollars indicated on the material I received from the company??

Rich
by Rich Cape Cod
Wed Nov 07, 2012 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about an old whole life policy
Replies: 13
Views: 819

Question about an old whole life policy

I truly do not understand the subtleties of life insurance (except that whole life policies are, generally, bad news). My wife and I are having a discussion about an ancient policy of mine and I’d sure like some knowledgeable opinions on the matter. I’ve had a MetLife whole life insurance policy sin...
by Rich Cape Cod
Wed Nov 07, 2012 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about an old whole life policy
Replies: 13
Views: 819

Re: Simple RMD strategy dominates 4% SWR rule

Got it now!

Thanks,

Rich Cape Cod
by Rich Cape Cod
Sat Oct 27, 2012 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: Simple RMD strategy dominates 4% SWR rule
Replies: 65
Views: 4538

Re: Simple RMD strategy dominates 4% SWR rule

BobK, I'm confused (what else is new?). I looked at the worksheet for determining the RMD. It has five lines: Age Yr age was reached Value of IRA on Dec 31 of previous year 70 1/2 reached Distribution period (life expectancy number) RMD determined by subtracting value of IRA from Dec 31st by dividin...
by Rich Cape Cod
Sat Oct 27, 2012 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: Simple RMD strategy dominates 4% SWR rule
Replies: 65
Views: 4538

Re: Experiences Moving From High to Low Cost State?

When I retired in September 2010 (we live in a small Cape Cod town) my wife and I wished to go someplace warm for winters, eventually choosing Green Valley in AZ (just south to Tucson). Thus we live half the year in a rather expensive part of the country and half in a place that’s much cheaper. Othe...
by Rich Cape Cod
Fri Aug 17, 2012 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experiences Moving From High to Low Cost State?
Replies: 72
Views: 15948

Re: Car battery: Free! Thanks Sears!

One comment on batteries. When I get a new auto battery I immediately put a full charge on it. Many, many batteries are installed with only around 80% charge. It impacts both their life and potential energy they can hold. Also, as most of my driving is short distance, every few months I put a charge...
by Rich Cape Cod
Sun Aug 05, 2012 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Car battery: Free! Thanks Sears!
Replies: 28
Views: 3390

Re: What's the biggest of amount of cash you have ever found

I once found a wallet with $240 dollars in it. Summer on Cape Cod. I brought it back to my police station (I was the chief of police) and my dispatcher on duty found the owner. While there (twenty years) as chief my officers found many wallets full of cash. Strangers would bring all kinds of wallets...
by Rich Cape Cod
Wed Aug 01, 2012 5:33 pm
 
Forum: Personal Consumer Issues
Topic: What's the biggest of amount of cash you have ever found?
Replies: 65
Views: 5667

Re: how many bogleheads drive jeep wranglers?

PowDay wrote:.... Rich make sure you get an over sand pass and head out to Race Point, nothing better than having a beach to youself...


PowDay, the salt, the salt!! :happy

Rich
by Rich Cape Cod
Thu Jun 07, 2012 10:09 am
 
Forum: Personal Consumer Issues
Topic: how many bogleheads drive jeep wranglers?
Replies: 40
Views: 2690

Re: how many bogleheads drive jeep wranglers?

I recently purchased a 2009 Jeep Wrangler Sahara (she had 20,150 miles on her). This is my Cape Cod car (wife uses a Rav-4). Came with a hard "Freedom" top (front pieces come off in a couple of minutes to turn it into a convertible). Took the rear seat out (easy to do) for extra room in th...
by Rich Cape Cod
Wed Jun 06, 2012 10:13 pm
 
Forum: Personal Consumer Issues
Topic: how many bogleheads drive jeep wranglers?
Replies: 40
Views: 2690

Re: When you get a cryptic collection agency call

In lieu of a non-listed number I once used by wife's maiden name on our listed phone number. No extra charge and you know immediately whether the call has any legitimacy.

Rich Cape Cod
by Rich Cape Cod
Tue May 22, 2012 3:45 pm
 
Forum: Personal Consumer Issues
Topic: When you get a cryptic collection agency call
Replies: 22
Views: 1483

Single Premium Insurance Policy?

Got a call from a friend. He and his wife were closing on a new home and someone tried to sell them a Single Premium Insurance Policy (give the guy $25K, returns $67K in X-number of years). I tried to explain why mixing insurance and investment needs is not a good idea. Could someone give me some in...
by Rich Cape Cod
Thu May 17, 2012 11:56 am
 
Forum: Personal Consumer Issues
Topic: Single Premium Insurance Policy?
Replies: 2
Views: 428

Re: Battery Charger for Car at Vacation Condo?

I spend half the year in AZ and half on Cape Cod. With my cars garaged in AZ the batteries of both cars are left on "smart" chargers. On the Cape, with no garage, I bring the batteries of my autos into the house and put them on smart chargers as well. Do follow the suggestion of putting fu...
by Rich Cape Cod
Mon May 07, 2012 5:32 pm
 
Forum: Personal Consumer Issues
Topic: Battery Charger for Car at Vacation Condo?
Replies: 17
Views: 1180

Re: Yes, ANOTHER Social Security Question

She may be impacted by the SS regulation "Government Pension Offset." If you receive a pension, in which you did not pay into SS, you are likely to receive no SS monies from a spouses account. The SS formula calculating such a person's pension makes very serious cuts if such is the case (e...
by Rich Cape Cod
Thu Mar 01, 2012 12:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Yes, ANOTHER Social Security Question
Replies: 14
Views: 1007

Re: Magic Jack Phone service

I use MagicJack (MJ) all the time (for all long distance calls and frequently everything else – phone tied into MJ is right where I normally sit while normal land line is a bit further away). People cannot tell my calls are coming to them via computer. At $20 dollars a year for unlimited nationwide ...
by Rich Cape Cod
Sat Dec 17, 2011 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Magic Jack Phone service
Replies: 34
Views: 3286

Re: Questions about a .22 rifle

Sorry, forgot to address the hollow point/solid point question. For a squirrel it really does not matter. In general, I'd use a hollow point, especially since you probably won't be eating the resultant meat.

Rich
by Rich Cape Cod
Thu Dec 08, 2011 2:37 am
 
Forum: Personal Consumer Issues
Topic: Questions about a .22 rifle
Replies: 38
Views: 1924

Re: Questions about a .22 rifle

For your purposes a simple bolt action rifle would be most appropriate. It is not necessary to clean a .22 long rifle caliber firearm except after extensive use. The ammunition fired through its bore actually adds some protection to the interior metal surface. Don’t forget to check your local regula...
by Rich Cape Cod
Thu Dec 08, 2011 2:35 am
 
Forum: Personal Consumer Issues
Topic: Questions about a .22 rifle
Replies: 38
Views: 1924

Re: AIG Doubled my Insurance Premium!

Guys, I purchased this policy in 1984! I may not be senile, but damn! Don't remember a word of the conversation that revolved around this purchase. I wanted a life insurance policy for the rest of my life, that's what I thought I bought and this is what I was sold. It's sort of like you going to a p...
by Rich Cape Cod
Thu Nov 24, 2011 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: AIG Doubled my Insurance Premium!
Replies: 67
Views: 3156

Re: AIG Doubled my Insurance Premium!

Brody, and the other posters as well, thanks for the interesting and truly educational information you've provided me. I now understand what took place in my case. I suppose we could debate whether the options offered me were fully explained or even if I understood them at the time of the purchase (...
by Rich Cape Cod
Thu Nov 24, 2011 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: AIG Doubled my Insurance Premium!
Replies: 67
Views: 3156

Re: AIG Doubled my Insurance Premium!

Look for the computer illustration that was presented prior to purchase of the policy or delivered with the policy. Usuallly it is where you store your policy. I bought the policy in 1984. No computers then. No idea where the original policy information material is located. Just for giggles I'm goi...
by Rich Cape Cod
Thu Nov 24, 2011 12:59 am
 
Forum: Personal Finance (Not Investing)
Topic: AIG Doubled my Insurance Premium!
Replies: 67
Views: 3156

Re: AIG Doubled my Insurance Premium!

Brody, thanks for that info on the 1035! I will be looking into it. pshonore, I'm now looking at the statement I have (the one just prior to the raise in premium) sent me. On the front, among other things, is the fact that the policy is for $200,000 and the death benefit is for $200,000 and the semi...
by Rich Cape Cod
Thu Nov 24, 2011 12:30 am
 
Forum: Personal Finance (Not Investing)
Topic: AIG Doubled my Insurance Premium!
Replies: 67
Views: 3156

Re: AIG Doubled my Insurance Premium!

Guys, I'm fortunate in no longer needing the insurance. My wife and I have no debt, live in a paid off home and have a reasonable amount of money in various investments. In addition we have a nice six figure income from three different defined benefit streams of income. As I stated in my original po...
by Rich Cape Cod
Wed Nov 23, 2011 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: AIG Doubled my Insurance Premium!
Replies: 67
Views: 3156

Re: AIG Doubled my Insurance Premium!

Brody: Thanks for that clear explanation of my situation. As I stated, I had no doubt what the company was doing was legit, only that when it was represented to me no one mentioned that there was a possibility that my premiums would double! You are of course correct, "buy term and invest the di...
by Rich Cape Cod
Wed Nov 23, 2011 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: AIG Doubled my Insurance Premium!
Replies: 67
Views: 3156

AIG Doubled my Insurance Premium!

Without notice (or any logic that I can figure) my life insurance company, AIG, American General increased my semi-annual payments from $625 to $1,348 dollars. I have had this policy since December 1984 (for $200,000 dollars). The premium, until this just received bill, had always been for $625 doll...
by Rich Cape Cod
Wed Nov 23, 2011 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: AIG Doubled my Insurance Premium!
Replies: 67
Views: 3156

Re: State of Residence Impact on Net Worth

I believe it was Bloomberg that did an annual survey of the tax impact of living in every state by breaking down costs using three fictional families they created. The income streams varied from working income to only investment incomes. The differences between the states were significant. From memo...
by Rich Cape Cod
Fri Nov 11, 2011 11:55 am
 
Forum: Investing - Theory, News & General
Topic: State of Residence Impact on Net Worth
Replies: 33
Views: 3750

Re: Personal Finance Software

Thanks for the info all!

Rich
by Rich Cape Cod
Wed Nov 09, 2011 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Software
Replies: 21
Views: 2028

Re: Personal Finance Software

Would one of you Quicken users please suggest the best version of the program for home use. I do not plan on tracking investments or using it for tax purposes. My sole intended use of the program is to keep an eye on my household budget. At the moment I'm using an Excel spreadsheet I put together my...
by Rich Cape Cod
Wed Nov 09, 2011 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Software
Replies: 21
Views: 2028
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