Search found 100 matches

by Hockey10
Wed Aug 16, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 4437

Re: Best Housing To Avoid Noise

We live in a fairly quiet neighborhood, but about 10% of the houses in the neighborhood have backyards next to a busy road. I have heard complaints from some of those homeowners about the noise. I am 3 houses down the street from them and hear almost no noise from the road. So when you are looking t...
by Hockey10
Mon Aug 14, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Lightning strikes nearby locking up my new smart thermostat
Replies: 12
Views: 1335

Re: Lightning strikes nearby locking up my new smart thermostat

I am not an electrician, but you may want to look into installing a whole house surge protector. Earlier this summer there was a transformer in our neighborhood that malfunctioned and several houses had several thousand $ each in damages to appliances. These houses did not have a whole house surge p...
by Hockey10
Sun Aug 13, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: One more year [to retire]
Replies: 23
Views: 2486

Re: One more year

I find that as I get older, the variety of things I can do other than work (mostly athletic) seems to be declining. I'm very curious what people intend to do in retirement. When I was 20 I thought retirement would be awesome. Now I'm wary of it. I'm pretty sure once I don't have to work, I'll be in...
by Hockey10
Thu Aug 03, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: MIL wants to move in with us
Replies: 45
Views: 3263

Re: MIL wants to move in with us

Your FIL needs to be in an assisted-living facility or nursing home himself if he's frequently falling. My Dad lived for over 10 years after he moved into an Assisted Living facility, and eventually a nursing home. His initial health deterioration was sudden, with difficulty climbing stairs being t...
by Hockey10
Thu Aug 03, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: MIL wants to move in with us
Replies: 45
Views: 3263

Re: MIL wants to move in with us

My MIL lived with us for 9 years after my FIL died. In our case, she was a huge help as we have 3 kids. She was not a burden at all. I always got along great with her. We converted our first floor living room into essentially another master bedroom with a closet and full bath. From a construction st...
by Hockey10
Sun Jul 30, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 130
Views: 30264

Re: What you wish you had known entering your late 20's

Spend as much quality time as you can with your parents. My Mom died when I was 31. You never know when one (or both) of your parents will be gone. At the time of Mom's passing, I was busy with work, a relatively young marriage, a baby, a dog, and a new house. Mom and Dad were almost an afterthought...
by Hockey10
Sun Jul 30, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Estimate for painting home interior
Replies: 19
Views: 1935

Re: Estimate for painting home interior

In the course of owning multiple homes for over 30 years, I think I have hired at one time or another every type of contractor - electricians, plumbers, HVAC, insulation, carpenters, roofers, deck builders, masons, asphalt pavers, landscapers, fencing, excavators, tree surgeons, security systems, ca...
by Hockey10
Sat Jul 29, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11109

Re: Your "at peace" moments.

I like to take a hike in a state park in the woods where there are no other people around. This is even better in the winter when it is very cold with some snow on the ground.
by Hockey10
Sat Jul 22, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: Career Advice
Replies: 19
Views: 1588

Re: Career Advice

At 55 with $3mm, no debt, and no college expenses to worry about, you have won. Congratulations! You probably don't have to work another day in your life, unless you have some unusually high living expenses. Take whichever path you feel will make you most happy in life. Working for another Megacorp ...
by Hockey10
Sat Jul 22, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 128
Views: 8848

Re: Is Amazon Prime worth it?

Time is money. I order stuff from Amazon Prime quite often. I once ordered a pair of shoelaces. I hate fighting the traffic and crowds at malls and shopping centers, even though I might be able to find the item in question for a lower price than Amazon has it listed for. There is a major mall 4 mile...
by Hockey10
Thu Jul 20, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: My favorite CNBC program
Replies: 33
Views: 3632

Re: My favorite CNBC program

They should try a spinoff named "The Mad Money Profit". Marcus would appear as the CEO of Camping World and let Cramer interview him. In return, Marcus gets 50% of the gains from Cramer's charitable trust. When Marcus arrives on Cramer's set the first time, he throws away half of Cramer's ...
by Hockey10
Sun Jul 16, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Tips and advice from those who had their homes built
Replies: 13
Views: 1241

Re: Tips and advice from those who had their homes built

We have had 2 houses built. One was done by a large national builder and the other was done by a local builder who built a neighborhood on some old farmland. In both cases, the builders had about 5 different models to choose from. Once we selected the lot, the model, and the upgrades, the price was ...
by Hockey10
Thu Jul 13, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: PersonalCapital.com help
Replies: 21
Views: 1542

Re: PersonalCapital.com help

Is Personal Capital worthwhile? Someone I know recommended to me but it seems like a lot of work for a level of detail I don't need (unless I was obsessive). I think Personal Capital is a very good tool. I use it daily as an easy way to see all transactions posting to my various checking, savings, ...
by Hockey10
Thu Jul 13, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Hotel tipping: how much to leave?
Replies: 72
Views: 3884

Re: Hotel tipping: how much to leave?

I leave $5 on the desk.

This is one of the few activities where I still use cash. The only other things that come to mind are the barbershop and to pay for parking at the stadiums in Philly to see one of my teams lose again.
by Hockey10
Thu Jul 13, 2017 4:17 pm
Forum: Investing - Theory, News & General
Topic: Do you pay fees to buy funds or ETFs?
Replies: 46
Views: 2913

Re: Do you pay fees to buy funds or ETFs?

No, I do not pay fees. I buy Vanguard ETFs at Vanguard, so no fees. I buy iShares ETFs in my Fidelity account, which are also commission free.
by Hockey10
Thu Jun 29, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: Good on Cramer!
Replies: 19
Views: 4313

Re: Good on Cramer!

I think I once made a purchase based on Cramer's advice. In the early 1970s, Cramer was an ice cream salesman in the 700 level at Veterans Stadium. (This was the nosebleed section at the Phillies stadium). At the same time, I was a youngster who attended games in the 700 level. On hot summer days in...
by Hockey10
Fri Jun 23, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Deck stain
Replies: 9
Views: 958

Re: Deck stain

I used to do the stain about every 2-3 years. I got so tired of doing it that we eventually had the wood replaced with Timbertech. The only maintenance for that is a once per year power wash (which is a lot easier than the stain process).
by Hockey10
Fri Jun 23, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3099

Re: Surge Protector for Refrigerator

Definitely get the whole house surge protector. There was an electrical problem in our neighborhood recently where several houses each had thousands of $ in damages - appliances, TVs, central AC, garage door openers, etc... The same thing took place about 15 years ago. We got the whole house protect...
by Hockey10
Tue Jun 20, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4173

Re: Good camera - new baby coming

Save your money and stick with an Iphone. The quality of today's smartphone photos are lightyears better than the typical photos in the dark ages of yesteryear. The cameras in the 1970s used flashcubes for indooor shots. (The flashcubes were expensive). You bought some Kodak film (a 20 shot roll of ...
by Hockey10
Mon Jun 19, 2017 3:22 pm
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 5415

Re: Best Financial Advice from Dad (in honor of father's day)

"Don't ever start smoking".

Lung cancer killed his Dad shortly before I was born so one of my earliest memories in life was to learn how bad smoking is.
by Hockey10
Fri Jun 16, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: USAA opinions. Worth it?
Replies: 29
Views: 2225

Re: USAA opinions. Worth it?

I have been with USAA for over 33 years. My experience has been good the entire time. I have had to file a few claims (auto, homeowners, and flood) during that time and they were each handled quickly and fairly. I once had a contractor tell me that they preferred handling claims of USAA customers as...
by Hockey10
Wed Jun 14, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Rollout Begins for Person-to-Person Digital Payments Backed by Banks
Replies: 25
Views: 2537

Re: Rollout Begins for Person-to-Person Digital Payments Backed by Banks

If it weren't for ID, I'm not sure that he'd need a wallet at all. A lot of kids don't carry a wallet any more. They have a cellphone with an attached sleeve that holds their drivers license, student ID, and a debit / credit card or two. With mobile wallets, I can see a day in the not too distant f...
by Hockey10
Wed Jun 14, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: How many of you have rentals (i.e. you're a landlord)? Are they worth it?
Replies: 74
Views: 5643

Re: How many of you have rentals (i.e. you're a landlord)? Are they worth it?

I was a landlord many years ago. I owned a triplex and lived in one unit and rented out the other units. When I was living in the building, I actually enjoyed it. Since I was there to handle any of the issues that came up, it was not too much of a hassle. But, once I got married, moved to the suburb...
by Hockey10
Tue Jun 13, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Lithium ion yard equipment batteries
Replies: 19
Views: 1105

Re: Lithium ion yard equipment batteries

I store my batteries inside the house. That way they avoid the freezing cold in winter and the scorching heat (like today) in the summer. This also might be a deterrent to a thief who might sneak into my garage when I am not looking. Both the weed wacker and the leaf blower are useless without the b...
by Hockey10
Sun Jun 11, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Difficulties with CIT bank website
Replies: 3
Views: 340

Re: Difficulties with CIT bank website

I have an account at CIT and you are right, their website is very poorly designed. I have called their customer service line a couple of times and I would say that they have very good customer service, which compensates for their quirky website. Ally Bank's site is definitely much better than CIT.
by Hockey10
Sun Jun 11, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: replace deck, veranda from home depot?
Replies: 6
Views: 1108

Re: replace deck, veranda from home depot?

We had our deck redone with a product named Timbertech about 8 years ago. We have been very happy with the result. I power wash it every Spring and it is good to go for the rest of the year. Compared to the old wooden deck that needed constant re-staining, the new deck is maintenance free except for...
by Hockey10
Sun Jun 11, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Home heating oil capped price plan
Replies: 16
Views: 1061

Re: Home heating oil capped price plan

I used to worry about heating oil prices and whether or not I should lock in the price. Then I saw the light and switched to natural gas. It is a large upfront cost, but the energy savings are significant in cold weather. If your neighborhood has natural gas and you plan on living in the home for a ...
by Hockey10
Sat Jun 10, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8569

Re: College admissions question - she got a "C"

The single best resource I used to determine whether or not my kids had a shot at getting into a school was site named "Naviance". This was set up in conjunction with the high school counseling office. Your high school may or may not use this, but if they do, spend a lot of time on the sit...
by Hockey10
Fri Jun 09, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: New Construction Buying Advice
Replies: 24
Views: 1796

Re: New Construction Buying Advice

We did this in the early 1990s. The builder had 5 different models available. We chose the smallest (and lowest priced) of the 5. We did not add any fancy upgrades. We ended up being surrounded by larger and more expensive homes. When it came time to sell, we ended up making a nice profit as the val...
by Hockey10
Fri Jun 09, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 10758

Re: Jim Rogers predicting "crash of a lifetime" this year or next

The only thing I watch on CNBC is Jim Cramer for the Philly sports updates (and not for the stock tips).
by Hockey10
Fri Jun 09, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Debit charge I didn't make ...
Replies: 20
Views: 2155

Re: Debit charge I didn't make ...

Never use your debit card for anything other than ATM withdrawals. If someone gets your debit card info, your checking account could be suddenly at $0. You can get your money back from the bank, but this could be a huge hassle if you have multiple transactions posting that same day which end up bein...
by Hockey10
Thu Jun 08, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Buying a house for the 1st time - what should I look out for?
Replies: 22
Views: 1619

Re: Buying a house for the 1st time - what should I look out for?

I forgot to mention my 3 rules of real estate in my prior post:

- 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, as you will have flooding issues
by Hockey10
Thu Jun 08, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Buying a house for the 1st time - what should I look out for?
Replies: 22
Views: 1619

Re: Buying a house for the 1st time - what should I look out for?

The last time I bought a house, I looked at 50 on-line, saw 10 of them in person, then narrowed it down to the top 2. We visited each several times, then finally made an offer. When you are close to making an offer, spend some quality time in the house looking for signs of problems (leaks, missing /...
by Hockey10
Mon Jun 05, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: USAA's New (Irritating) Security Protocol
Replies: 19
Views: 1707

Re: USAA's New (Irritating) Security Protocol

tylerherman wrote:Not going to go look at the site but they should give you an option to save your device (get a cookie). If they don't, ask for that.


I just checked the Security page on the USAA website. They do offer the option described above.
by Hockey10
Sun Jun 04, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 9331

Re: Everything keeps going up, this feels too easy?

Everything goes in cycles. Think back to the Fall of 2008. The Phillies won the World Series and the market tanked . Now almost 9 years later, the Phils are the worst team in baseball, and the stock market is at an all time high. But be careful, they won yesterday and as of this minute, are winning ...
by Hockey10
Sun Jun 04, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Preferred
Replies: 11
Views: 1582

Re: Chase Sapphire Preferred

The site below does a very good job of analyzing rewards points:

https://thepointsguy.com/
by Hockey10
Wed May 31, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Honda mulching mower clumping
Replies: 15
Views: 1072

Re: Honda mulching mower clumping

Cutting once per week in May is not often enough (at least in the mid-Atlantic area). Set your mower on the highest setting and plan on cutting every 5 days in May and into early June.
by Hockey10
Sun May 21, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Computing device for elderly relative
Replies: 34
Views: 1841

Re: Computing device for elderly relative

You can buy a case for the Ipad with a foldable keyboard.
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: 704

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: 1512

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: 8208

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: 666

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: 725

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: 3037

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: 1216

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: 4013

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: 3995

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: 4995

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: 2267

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.