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Re: Money saved by buying a hybrid or electric car?

Question about the lifespan of gasoline in some of these hybrids. I've read some folks claim they haven't put gas in their vehicles for months on end. Not sure if that's wishful thinking on some folks part but, assuming that's true, how do you deal with having a tank of "old" gasoline in y...
by Rich Cape Cod
Sat Nov 08, 2014 11:57 pm
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6256

Re: Roth question? [Contributing to Roth IRA]

It's independent contractor work (expert witness fee).
by Rich Cape Cod
Mon Oct 27, 2014 8:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth question? [Contributing to Roth IRA]
Replies: 4
Views: 659

Roth question? [Contributing to Roth IRA]

I'm 69 years of age. Although retired I do a bit of consulting. This year I'll earn approximately $2,400 dollars for this work. My pension incomes (three streams) are about $140,000 gross. Can I take some or all of that $2,400 dollars and put it in a Roth? Thanks! Rich OK, I did what I should have d...
by Rich Cape Cod
Sun Oct 26, 2014 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth question? [Contributing to Roth IRA]
Replies: 4
Views: 659

Re: Cleaning Up Acorns

drawpoker wrote: "Is there some special kind of rake just for these damn acorns? What did you use on your's that was so successful?"

No special rake, just plain plastic model bought at ACE.

>>> "What did you use on your's that was so successful?"

My wife... 8-)
by Rich Cape Cod
Fri Oct 10, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Acorns
Replies: 37
Views: 2311

Re: Cleaning Up Acorns

Not more than a 1/2 hour ago my wife and I raked acorns! I have never seen so many acorns dropping for so long as we've had this year. I thought it might be some unique Cape Cod aberration. Guess it's not. Used a blower (electric) for the two decks on the property, then hand rakes for picking up the...
by Rich Cape Cod
Fri Oct 10, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Acorns
Replies: 37
Views: 2311

Re: Flaws in This Reasoning About Retiring Off Dividends

About 1/3 of my investments (“DOW aristocrats” – average around 4%) are in a taxable dividend reinvestment account (ETrade). I understand that whether one owns equities that generate dividends or not, the end monetary result is the same. None the less, the 1/3 of my investments generates, if I opted...
by Rich Cape Cod
Tue Oct 07, 2014 10:26 pm
 
Forum: Investing - Theory, News & General
Topic: Flaws in This Reasoning About Retiring Off Dividends
Replies: 15
Views: 2757

Re: A safe full of cash

While I'm not inclined to keep such a "stash" of money around, it would seem to me that if you were concerned about the worst possible situation, you'd want your emergency asset to be in one ounce gold coins.

Rich
by Rich Cape Cod
Thu Sep 18, 2014 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: A safe full of cash
Replies: 22
Views: 3100

Re: Anyone moved from NY?

Born Brooklyn. Moved to Newark NJ (dad work move) when I was 14. At 18 off to USAF (TX, CA and Berlin Germany). Age 24 Brooklyn again (NYPD). Age 27 moved to Orange County NY. Age 45 to Cape Cod (new job). Now we bounce between Cape Cod and Arizona (Green Valley, just south of Tucson). It's a big wo...
by Rich Cape Cod
Tue Sep 09, 2014 10:06 pm
 
Forum: Personal Consumer Issues
Topic: Anyone moved from NY?
Replies: 43
Views: 3080

Re: Help me evaluate a standby generator quote

Wow, you guys have pretty big units. We live on Cape Cod and after too many outages installed a Generac 12.5kw unit (March 2008). Powered by propane, a 250 gallon buried tank. Should have gotten a 500 gallon unit but it's working out. Last night it kicked on around 5pm due to a motor vehicle acciden...
by Rich Cape Cod
Sat Aug 30, 2014 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 29
Views: 2087

Re: Global entry and Nexus (not the phone)

My wife and I applied for and received our Sentri cards this past winter. We winter south of Tucson and the Sentri card is the southern equivalent of the Nexus card. From the time I applied online until we did our interview was around two and a half months. Interview was done in Nogales AZ (at the P...
by Rich Cape Cod
Mon Aug 25, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Global entry and Nexus (not the phone)
Replies: 16
Views: 1185

Re: Is it me, or are "collectibles" worthless in 2014?

"Worst story I've heard was the guy who spent over 100k on Beanie babies thinking they would keep going up in value...." Ah, Beanie Babies! I have a dear friend. Smart guy, his wife is an attny. Some years ago I'm at their home and see their "collection" of Beanie Babies. I quest...
by Rich Cape Cod
Sun Aug 24, 2014 9:04 am
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6739

Re: WWII Vet and disability payment question

Guys, I've passed both sites on to Roger. Thanks. He is stubborn (has a PhD from Harvard, so what can ya expect!), so I don't have much hope he's going to try and straighten this out (if, in fact, there is an error). For the record, I know so much about my friend because I interviewed him for a book...
by Rich Cape Cod
Sat Aug 23, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: WWII Vet and disability payment question
Replies: 3
Views: 307

WWII Vet and disability payment question

I have a friend who fought in WWII. Flew A26s in the Pacific, pathfinder missions and to sink Japanese fishing trawlers (they supplied most of the protein for Japan during that period.). Roger is 93 or so. He told me this morning that ever since leaving service in 1945 he's received $14 dollars a mo...
by Rich Cape Cod
Sat Aug 23, 2014 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: WWII Vet and disability payment question
Replies: 3
Views: 307

Re: How to best pay for a second home?

The consensus seems to be to remortgage the Cape house for the amount needed for AZ. I was hoping for someone to come up with some other, more brilliant plan, that I had overlooked, but life ain't like that.

Thanks for everyone's input.

Rich
by Rich Cape Cod
Wed Aug 20, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to best pay for a second home?
Replies: 8
Views: 823

Re: How to best pay for a second home?

.........Of course, another option is to just pay in cash from your liquid assets. Are you worried about the tax hit, or the liquidity hit? One other question: what's keeping you in Cape Cod? I.e., why not sell the Cape home and move to AZ now? I thought about just selling out my ETrade money. We'd...
by Rich Cape Cod
Wed Aug 20, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to best pay for a second home?
Replies: 8
Views: 823

How to best pay for a second home?

I’m in a bit of a quandary and looking for some knowledgeable guidance. I’m 69, my spouse of 45 years is 71 (she robbed the cradle…). We live on Cape Cod and spend winters in an AZ rental (just south of Tucson). She would very much like a second home in AZ and I’m trying to work out the most intelli...
by Rich Cape Cod
Wed Aug 20, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to best pay for a second home?
Replies: 8
Views: 823

Re: Girls gymnastics: what to expect

My neighbor's daughter (young teenager) was heavily involved (went several times a week to train and traveled to events to compete) in gymnastics. The upside: she loved doing it and became pretty good (according to her mom... She did win a bunch of ribbons and such.). She made lots of nice friends. ...
by Rich Cape Cod
Sun Aug 17, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Girls gymnastics: what to expect
Replies: 28
Views: 2551

Re: Will global entry or TSA Precheck help me?

As an aside, I've been told by a friend who is a Customs and Border Protection agent that the gov't is going to consolidate some of these travel passes, as the vetting process is virtually identical for all of them. So, instead of Sentry (for Mexico reentry), Nexus (Canada reentry), and GOES (I forg...
by Rich Cape Cod
Tue Aug 05, 2014 3:41 pm
 
Forum: Personal Consumer Issues
Topic: Will global entry or TSA Precheck help me?
Replies: 27
Views: 1870

Re: Dividend Strategy Ain't For Everyone

I invest in qualified Vanguard funds (about 2/3 of my investment money) and with ETrade (DRIP) with my after-tax money. In ETrade I have 12 stocks. I'm very conservative (I think I am anyway) and my stocks rarely pay more than 4%. They include Duke Energy, Johnson and Johnson, McDonald's, Exxon Mobi...
by Rich Cape Cod
Tue Aug 05, 2014 12:03 am
 
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 11764

Re: Living on Dividends

David, just one small word of caution. Not from me, but from brighter fellow named Adlai Stevenson. He once said (and I paraphrase), "What a man knows at age 50 would have been largely unknowable at age 21." I'm simply suggesting that should you sometime in the future begin to feel that yo...
by Rich Cape Cod
Sat Jul 19, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Living on Dividends
Replies: 18
Views: 4638

Re: A day in Dachau?

Some old pictures of Dachau I took while serving in Germany (1967 or so). http://i95.photobucket.com/albums/l149/RichCapeCod/Old%20Pics/Dachau_zps3ca9c13e.jpg http://i95.photobucket.com/albums/l149/RichCapeCod/Old%20Pics/DachauKZwatchtowerAug1966_zpsd9f0a93c.jpg http://i95.photobucket.com/albums/l14...
by Rich Cape Cod
Sun Jun 22, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: A day in Dachau?
Replies: 38
Views: 2871

Re: bidet for a boglehead

All kidding aside, bidet's are great! I have several (for two homes). Below is the model I use. No water heater but it's not necessary. I really do recommend this device highly.

http://shop.usabidet.com/USABIDET-H-2-o ... ET-H-2.htm

Rich
by Rich Cape Cod
Sun Jun 22, 2014 9:46 pm
 
Forum: Personal Consumer Issues
Topic: bidet for a boglehead
Replies: 19
Views: 2224

Re: Car inspection on Carmax car

It would seem that each CarMax location is unique. I bought a Jeep Wrangler from the Tucson CarMax a year ago. After agreeing to buy the car I got a call at home. They found a crack in the windshield and were replacing it with a new one, so there'd be a short delay! I know a couple of folks who boug...
by Rich Cape Cod
Thu Jun 19, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car inspection on Carmax car
Replies: 24
Views: 1872

Re: The Problem with Market Timing

Quite a few years ago I "timed the market." DOW was at around 11,000 to give you an idea of the "when." I pulled out the money in equities of my 457 and, as the market went down to (if memory serves) around 7,000 I kept on feeding my money back in as it fell. Never do that again!...
by Rich Cape Cod
Fri Jun 13, 2014 8:31 pm
 
Forum: Investing - Theory, News & General
Topic: The Problem with Market Timing
Replies: 19
Views: 1731

Re: Best way to rent a car for 14-16 days

If you have an AmEX credit card they have a service which, for $28 dollars (last I looked) they cover your rental car insurance. I've used it several times and, in lieu of using the rental companies insurance, it's a good deal. I "think" they limit you to a 45 day long rental period, after...
by Rich Cape Cod
Wed May 21, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: Best way to rent a car for 14-16 days
Replies: 14
Views: 1801

Re: New Car vs Used Car -- how to decide?

For the past thirty five plus years I've been buying used autos. These include; Rav-4, Mazda Miata, Lexus RX-300, and two Jeep Saharas (a 2009 for Cape Cod and a 2011 for AZ). Mileage at purchase has ranged from 2,700 miles (Miata) to 78,000 miles for the Lexus. I keep up with maintenance (especiall...
by Rich Cape Cod
Mon May 12, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: New Car vs Used Car -- how to decide?
Replies: 29
Views: 2270

Re: Snowbirds: Best Mail Forwarding Options?

Snowbird between Cape Cod and AZ from early Nov thru mid-May. My wife informs me we pay around $396 dollars (about $15 a week) for premium Post Office mail forwarding for his period of time. Works well for us. Mail comes once a week (generally Fridays, on occasion Saturdays). Hope this helps. Rich C...
by Rich Cape Cod
Thu May 08, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: Snowbirds: Best Mail Forwarding Options?
Replies: 24
Views: 2267

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 10:01 am
 
Forum: Personal Consumer Issues
Topic: Propane use during a full twelve month period
Replies: 7
Views: 1006

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 1:06 am
 
Forum: Personal Consumer Issues
Topic: Propane use during a full twelve month period
Replies: 7
Views: 1006

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 12:48 am
 
Forum: Personal Consumer Issues
Topic: Propane use during a full twelve month period
Replies: 7
Views: 1006

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 7:51 pm
 
Forum: Personal Consumer Issues
Topic: Personal experience with lost bags at Newark Airport
Replies: 17
Views: 2980

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 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Best place to procure a mortgage
Replies: 15
Views: 1175

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 2:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Best place to procure a mortgage
Replies: 15
Views: 1175

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 1:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Best place to procure a mortgage
Replies: 15
Views: 1175

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 1:11 am
 
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 5801

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 10:39 pm
 
Forum: Personal Consumer Issues
Topic: Car maintenance when driven only 1000 miles/year
Replies: 34
Views: 2940

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 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Couple in their early 70s getting a mortgage(?)
Replies: 14
Views: 1230

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 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Couple in their early 70s getting a mortgage(?)
Replies: 14
Views: 1230

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 9:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Couple in their early 70s getting a mortgage(?)
Replies: 14
Views: 1230

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 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Couple in their early 70s getting a mortgage(?)
Replies: 14
Views: 1230

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 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Couple in their early 70s getting a mortgage(?)
Replies: 14
Views: 1230

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 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Couple in their early 70s getting a mortgage(?)
Replies: 14
Views: 1230

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 12:36 pm
 
Forum: Personal Consumer Issues
Topic: Confused about TSA "Pre" status
Replies: 45
Views: 2678

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 11:41 am
 
Forum: Personal Consumer Issues
Topic: Advice for studying abroad in Spain?
Replies: 25
Views: 1235

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 6:17 pm
 
Forum: Personal Consumer Issues
Topic: [Moving to] Palm Springs Area CA
Replies: 34
Views: 1834

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 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Electric cars (full electrics and plug-in hybrids)
Replies: 68
Views: 6456

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 12:44 am
 
Forum: Personal Consumer Issues
Topic: uses for old laptop?
Replies: 28
Views: 2972

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 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Home voip options
Replies: 34
Views: 2634

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 9:50 am
 
Forum: Personal Consumer Issues
Topic: Car buying advice
Replies: 15
Views: 1021

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 8:18 pm
 
Forum: Personal Consumer Issues
Topic: Jeep Wranglers
Replies: 22
Views: 2478
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