Search found 63 matches

by Hockey10
Sun May 21, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Computing device for elderly relative
Replies: 34
Views: 1360

Re: Computing device for elderly relative

You can buy a case for the Ipad with a foldable keyboard.
by Hockey10
Sun May 21, 2017 3:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Average age of a Boglehead
Replies: 18
Views: 1099

Re: Average age of a Boglehead

50-59
by Hockey10
Fri May 19, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: First report from my bicycle tour from Amsterdam to Passau
Replies: 4
Views: 513

Re: First report from my bicycle tour from Amsterdam to Passau

Miriam2 wrote:Raybo, you always take such beautiful and interesting photos, are we going to have a sneak preview?? 8-)


+1

Raybo, sounds like you just found the most bike friendly country on the planet.
by Hockey10
Thu May 18, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Cars policy/timing for teens/young adults
Replies: 22
Views: 1257

Re: Cars policy/timing for teens/young adults

Just be careful when you add a new car. The day after we went from 2 cars to 3 cars, DW was backing out of the garage and forgot that the 3rd car was parked on the driveway. So in a flash, we had 2 damaged cars. :oops:
by Hockey10
Tue May 16, 2017 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Article: "Our emergency fund is exactly $0.00"
Replies: 73
Views: 7255

Re: Article: "Our emergency fund is exactly $0.00"

If you can't sleep at night because you may have to sell stocks in a down market, even though you still have $1 million in investments, what good is that? This reminds me of a quote from Buffet many years ago. At the time, Berkshire Hathaway had $20 billion in cash on its balance sheet. Buffet was ...
by Hockey10
Tue May 16, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Future Home Buyer Advice
Replies: 7
Views: 566

Re: Future Home Buyer Advice

I would not be a rush to buy in a High Cost Of Living area. I agree with Bloom2708. I was in your shoes in the 1980s. After I left the Army and settled down at my first civilian job, I rented for awhile, then got married and eventually bought a home. Even if you have the income / down payment neces...
by Hockey10
Tue May 16, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: [Unable to locate a] Will
Replies: 6
Views: 566

Re: Will

Search the house. Sorry for your loss. A friend of mine had the same situation earlier this year. The Will was not in the location where his Mom had told him it was stored. He spent the entire weekend going through every drawer closet, etc... and eventually found it. On the safe deposit box questio...
by Hockey10
Mon May 15, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: How many firms do you use?
Replies: 39
Views: 2574

Re: How many firms do you use?

Do not put all of your eggs in one basket. Spread the wealth between at least 2 firms.
by Hockey10
Fri May 12, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: 529 plan for a new baby -- large lump sum at birth?
Replies: 8
Views: 1098

Re: 529 plan for a new baby -- large lump sum at birth?

I had many discussions with the younger guys at work about saving for college. I always told them to start saving the day your kid is born. One of my coworkers had a 14 year old. He said that based on my strategy he is 14 years behind schedule. :oops:
by Hockey10
Thu May 04, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 3520

Re: Vexing electrical problem in the house

This sounds similar to an issue I had on a previous home. Here is what happened: I built and wired my home and sold it a few years later. The new owner called and said that he was having intermittent problems with various circuits. I know that the areas he was talking about were on different circui...
by Hockey10
Fri Apr 14, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Cost Creep and Teen and College Years?
Replies: 52
Views: 3654

Re: Cost Creep and Teen and College Years?

Now my son and his two boys are seeing similar issues. One son is a club level super hockey player who is being scouted by prep schools already. He is 11. My son spent $1K or more for last season hockey plus travel costs and uniforms and skates. I am sure he spent at least $2K or more for hockey. B...
by Hockey10
Fri Apr 14, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 4397

Re: What do you do with your coins?

Pay for everything with a credit card and pay the credit card bill in full each month. Hence, no more coins, plus you accrue more rewards points and have the ability to track your spending via your credit card transactions.
by Hockey10
Thu Mar 30, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 32
Views: 1948

Re: What to see in Philly?

Independence Hall and the Liberty Bell. That is where our country got started and is definitely worth a visit.
by Hockey10
Wed Mar 29, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Home Energy Audit recommended actions: 28.4 year payback period??
Replies: 33
Views: 2740

Re: Home Energy Audit recommended actions: 28.4 year payback period??

We had this done a long time ago, so I don't recall the numbers, but I do remember that our heating bill dropped significantly when we had a ton of insulation added to our unfinished attic. The other project we did a few years later that also saved a lot of money was to convert from oil to natural g...
by Hockey10
Wed Mar 29, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Thoughts on bicycle route from Amsterdam to Passau, Germany
Replies: 15
Views: 1346

Re: Thoughts on bicycle route from Amsterdam to Passau, Germany

Raybo, I can't help you with Amsterdam, but I wanted to thank you for the pictures you posted from your Italy trips. I took the time last year to view all of the photos. For anyone that wants to see some great pictures of Italy, check out Raybo's site. :happy
by Hockey10
Tue Mar 21, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 2 factor authentication and Mint or Personal Capital
Replies: 12
Views: 1608

Re: Vanguard 2 factor authentication and Mint or Personal Capital

I use Personal Capital and have a Vanguard account with 2 factor enabled. When I log into Personal Capital, I wait for the text from Vanguard with the 2 factor code, then type it in the Personal Capital site. The code usually arrives within 10 seconds of logging into PC. The only problem I have had ...
by Hockey10
Tue Mar 14, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Pipe leak damaged house
Replies: 18
Views: 1802

Re: Pipe leak damaged house

Always shut off the water main when there will be nobody home overnight.
by Hockey10
Wed Mar 08, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 10521

Re: GEICO auto rates vs. USAA: too good to be true?

I have been with USAA for decades and use them for home, auto, valuable personal property, and umbrella liability insurance. I think USAA has different internal insurance companies with different fee structures depending upon your membership type. I was active military and reserve officer. I have t...
by Hockey10
Mon Mar 06, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: For those considering "magic" annuities
Replies: 10
Views: 1777

Re: For those considering "magic" annuities

This guy is a pure snake oil salesman. You invest $100,000 and he takes home an $8,000 commission. But, you do get a return of about 1% - 2% (and a free dinner at the country club). I have been hearing his commercials on local Philly radio and TV for years and was wondering when the local press was ...
by Hockey10
Sun Feb 26, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: moving from landscaper/snow plower to diy in retirement
Replies: 44
Views: 3061

Re: moving from landscaper/snow plower to diy in retirement

Move to a warmer climate with a smaller yard.
by Hockey10
Fri Feb 24, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: critique Italian itinerary
Replies: 32
Views: 2135

Re: critique Italian itinerary

That is a lot of time checking in and out of hotels. If my math is correct, you will spend 9 nights spread across 5 hotels (not to mention the travel to the next hotel every time you check out). I would opt for something simpler - maybe 3 nights each at 3 different locations. I have been to Italy se...
by Hockey10
Wed Feb 22, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Help Please, My Identity is at Risk
Replies: 26
Views: 3218

Re: Help Please, My Identity is at Risk

This tip is too late to help the OP, but one thing I do with my laptop is to hide it whenever I leave the house, even if it is a quick trip out for only 15 minutes or so. I have a convenient hiding spot that a thief most likely would not find if he was to break in and spend only a few minutes inside...
by Hockey10
Sun Feb 19, 2017 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: 100% Stock Portfolio? - 20s Military Investor
Replies: 13
Views: 1424

Re: 100% Stock Portfolio? - 20s Military Investor

OP, when I was a 22 year old 2LT in the Army many decades ago, the best financial advice I ever received was from a 23 year old 1LT. He told me to open an IRA at Vanguard, fund it every year, and to invest in 100% equities. I took his advice and it worked out fine. I never owned any bonds until I wa...
by Hockey10
Sat Feb 18, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 7576

Re: What Do You Keep In Your Bank Safe Deposit Box?

Just as important as what is in the box, is who can access the box. My safe deposit box is titled so that it can be accessed by myself, my wife, and my son. In the event that my wife and I are killed in a car crash, plane crash, etc, our son can get into the box without any hassles. My Dad had a sim...
by Hockey10
Tue Feb 14, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Apple TV free content suggestions
Replies: 10
Views: 901

Re: Apple TV free content suggestions

onourway wrote:If you have an iPad or iPhone you can use the Amazon app there and use Airplay to send it to the AppleTV. This works very well - you can even use the ATV remote.


You can also use Airplay to stream Bogleheads to your Apple TV :happy
by Hockey10
Tue Feb 14, 2017 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Is it reasonable to have 100% in the stock market?
Replies: 58
Views: 6195

Re: Is it reasonable to have 100% in the stock market?

I was 100% invested in stocks for over 30 years. I never bought any bonds until I was in my 50s. I am still heavily weighted to stocks / index ETFs now. The hardest thing is to stick with it when events like Black Monday, the Dot-Com Bubble, and the Great Recession happen. You have to ignore the nay...
by Hockey10
Tue Feb 14, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: driveway repair
Replies: 19
Views: 2218

Re: driveway repair

I use Angie's List to find good contractors. I always go with one of the highest rated contractors within 10 miles of home. My experience has been that contractors that have a lot of 'A' ratings in the past 6 months end up doing a good job. They might be more expensive than the ones with lower ratin...
by Hockey10
Sat Feb 11, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Making prints from iPhone photos
Replies: 12
Views: 1017

Re: Making prints from iPhone photos

Shutterfly
by Hockey10
Thu Feb 09, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Financial Movies and Shows
Replies: 37
Views: 3445

Re: Financial Movies and Shows

Mr. Blandings Builds His Dream House

If you are planning to build a new house or renovate an existing one, this film takes a comical look at what can go wrong. Of course, every time something goes wrong, it will cost you more :moneybag
by Hockey10
Thu Jan 26, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Most creative and/or high value change
Replies: 31
Views: 2490

Re: Most creative and/or high value change

Taught my wife to cook. I grew up cooking in a fancy restaurant. I can cook like the chefs you see on TV, but I absolutely hate doing it. So I taught my wife, who actually likes to cook but was never very good at it, all my tricks. Now we prefer to eat at home, and hardly ever go out to eat. We eat...
by Hockey10
Wed Jan 25, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Visiting Princeton/Philadelphia, where to stay
Replies: 24
Views: 1513

Re: Visiting Princeton/Philadelphia, where to stay

+1 for Longwood Gardens, although it is south of Philly and in the opposite direction of Princeton
by Hockey10
Wed Jan 25, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Anyone have experience with plumbing issues or any Plumbers here?
Replies: 30
Views: 2439

Re: Anyone have experience with plumbing issues or any Plumbers here?

Unfortunately, I am very familiar with frozen / broken pipes. :( For everyone reading this, ask yourself if you know where your water main shut-off valve is located. If you don't know, find it. If you can't find it, call a plumber. When water is gushing though the finished portion of your house, you...
by Hockey10
Tue Jan 24, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Best way to get rid of lot of land?
Replies: 26
Views: 4333

Re: Best way to get rid of lot of land?

+1 on contacting the adjacent owners. I bought a vacant lot a long time ago in North Carolina when I was stationed at Fort Bragg. It was the worst investment I ever made. About 10 years later I finally decided to sell it. I got an appraisal done by a local appraiser. I then drove out to the lot and ...
by Hockey10
Wed Jan 18, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: How do I determine if I need to consult with an attorney about whether I need a trust?
Replies: 22
Views: 1730

Re: How do I determine if I need to consult with an attorney about whether I need a trust?

There is a very good book published by Nolo titled "Plan Your Estate". It discusses wills, the many different types of trusts, payable on death accounts, and how to title your assets. Some trusts are temporary and used as a mechanism to avoid probate. This type of trust will typically end ...
by Hockey10
Mon Jan 16, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Vacationing in Florida (Advice Requested)
Replies: 22
Views: 1911

Re: Vacationing in Florida (Advice Requested)

Go to a spring training game. There are plenty of teams in the Tampa area including the Phillies, Blue Jays and Yankees. The atmosphere is very relaxing with near perfect weather in the dead of winter.
by Hockey10
Wed Jan 11, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to build passive income
Replies: 45
Views: 4705

Re: How to build passive income

I was a landlord of a triplex for 11 years. I would definitely not consider this to be passive income. The first couple of years were not too bad as I lived in 1 unit and rented out the other 2. So if there was a problem with the building, I was there anyway. But after I moved 10 miles away to the s...
by Hockey10
Fri Jan 06, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 94
Views: 5728

Re: Getting rid of mice

We used to catch two or three mice every winter in our basement. I could not figure out where they were getting into the house. Then I hired an insulation contractor to insulate the band joist (also known as the rim joist) with spray foam insulation all the way around the foundation. That was about ...
by Hockey10
Sun Dec 25, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Buying lot / home in very bad area of City
Replies: 20
Views: 2322

Re: Buying lot / home in very bad area of City

Bad idea. Don't just walk away from this deal, run away from it. As to hidden costs of owning vacant land, some municipalities will charge you for water and sewer service even though the property is a vacant lot.
by Hockey10
Wed Dec 21, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 8487

Re: Hard Endeavor/Exercise in Middle Age

I took up ice hockey at age 37. That was during the last century. Still play once a week in a no-check game. Just have to watch out for the accidental collisions when the puck suddenly changes directions. I run 3 times per week to keep myself in shape for hockey.
by Hockey10
Tue Dec 20, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 61
Views: 8057

Re: Honda Pilot vs Toyota Highlander?

We have a 2012 Honda Pilot. It has been a great car for us for the past 5 years. It replaced a Honda Odyssey. I liked the Odyssey, but having the 4 wheel drive in the Pilot is a nice benefit living in the Northeast. I am not up to date on the 2016/2017 models, but I know the 2012 version of the Pilo...
by Hockey10
Sun Dec 11, 2016 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble freezing their credit?
Replies: 6
Views: 760

Re: Anyone else have trouble freezing their credit?

I was able to freeze all three about 2 weeks ago. Each cost $10 and only took a few minutes on-line. Some of the challenge questions are starting to get more challenging however. I had to guess at one of the answers and I must have gotten it right as the request was approved.
by Hockey10
Thu Dec 08, 2016 10:10 am
Forum: Personal Consumer Issues
Topic: Should I go for the 2K+ flying squirrel solution?
Replies: 36
Views: 3295

Re: Should I go for the 2K+ flying squirrel solution?

Many years ago we had squirrels in our main attic. I captured about 6 of them over a period of 3 months and relocated them miles away, but the problem did not stop. I could not figure out where they were getting in. Then I had a gutter screen installed that was attached under the shingles so it was ...
by Hockey10
Fri Dec 02, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: how often to check on accounts for cyber theft?
Replies: 10
Views: 999

Re: how often to check on accounts for cyber theft?

I use Personal Capital every morning to check all my accounts. I have dual factor authentication set up for the larger accounts. This is a bit of a hassle as I first have to log into Personal Capital, then do the dual factor step, but I believe this is time well spent. Not all of my financial instit...
by Hockey10
Wed Nov 30, 2016 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed with Identity theft
Replies: 7
Views: 630

Re: Help needed with Identity theft

Place fraud alerts on your credit files with Equifax, Transunion, and Experian immediately. You only have to notify one of them; the first one you notify will notify the other two for you. Then file any necessary police report(s). Then freeze your credit files. The freezes will be free if you have ...
by Hockey10
Wed Nov 30, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed with Identity theft
Replies: 7
Views: 630

Re: Help needed with Identity theft

That's a rather poor response from LifeLock. I would have hoped for something immediate. Their ads make them sound so great. I was very disappointed in the response that LifeLock gave me. Basically, they told me to spend the next 3 weeks re-arranging the deck chairs on the Titanic while I wait for ...
by Hockey10
Wed Nov 30, 2016 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed with Identity theft
Replies: 7
Views: 630

Help needed with Identity theft

I received an alert from LifeLock this morning saying that my name, SSN, and birthdate were used to apply online for a short term loan. I called LifeLock and they had no more info. They told me to order a Teletrack Report from Corelogic and to order a Chex Systems Report. These reports could take up...
by Hockey10
Wed Nov 30, 2016 10:21 am
Forum: Investing - Help with Personal Investments
Topic: vanguard joint taxable account vs. individual account with beneficiary
Replies: 18
Views: 1765

Re: vanguard joint taxable account vs. individual account with beneficiary

Chestnut - there is a very good book named "Plan Your Estate", published by Nolo. I would recommend reading it as the book covers all aspects of estates, wills, trusts, titling of assets, etc...
by Hockey10
Fri Nov 18, 2016 8:57 am
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 9804

Re: Honda Cars

I drive a 2013 Accord EX-L. I have never had a problem with it. It might be the best car I have ever owned. I also have not had any problems with the other 3 Honda cars that I owned (Accord, Pilot, and Odyssey). I wish I could say the same for the GM, Ford, and Chrysler cars that I drove in the 1980...
by Hockey10
Sat Nov 05, 2016 8:40 am
Forum: Personal Consumer Issues
Topic: 1st time home buyer tips & strategy
Replies: 41
Views: 3286

Re: 1st time home buyer tips & strategy

Here are my 3 rules for buying a house:

- never buy a house on a busy street
- never buy a house in a bad neighborhood
- never buy a house at the bottom of a hill (due to flooding possibility)
by Hockey10
Wed Nov 02, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: Best Ear Buds for Running
Replies: 44
Views: 3931

Re: Best Ear Buds for Running

I use "Mifine Bluetooth Headphones" for running. They cost $17 at Amazon.

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