Search found 143 matches

by Hockey10
Tue Dec 12, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: NBA Tickets
Replies: 24
Views: 1154

Re: NBA Tickets

Since your dates are flexible and your goal is to only see a game, wait for a mid-week game against a bad team. A Tuesday night game in the middle of Feb vs. a last place team will cost a lot less than a Saturday game vs. a good team. As others have said, try Stub-Hub. About 3 years ago, the Sixers ...
by Hockey10
Sat Dec 09, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: John T. Reed (real estate) reading suggestions
Replies: 6
Views: 674

Re: John T. Reed (real estate) reading suggestions

I read "Aggressive Tax Avoidance For Real Estate Investors" a long time ago. A few years later, I went to the bookstore and was looking for a book on coaching Little League baseball. I bought a book, then realized later that the author looked familiar. It was Reed. He is an interesting character. I ...
by Hockey10
Sat Dec 09, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 5592

Re: Does this happen to you? Educating friends about personal finance

Whenever one of the young guys at work had their first child, I would politely suggest to them that they start saving for college immediately. They were always receptive to my advice. Then there were a couple of guys in their 40s who each had multiple teenagers. They asked me when I started saving f...
by Hockey10
Sat Dec 09, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10328

Re: Save all this money, what do you splurge on?

After decades of buying nose-bleed seats at various events (usually to see a below average Philly team lose :( ), I now splurge occasionally for expensive tickets. Recent examples: - Bocelli concert last night - Lower level seats to one or two Flyers games per year - Penn State / Michigan game in 20...
by Hockey10
Sat Dec 02, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Empty nesters, how did your finances change when the birds left the nest
Replies: 25
Views: 2292

Re: Empty nesters, how did your finances change when the birds left the nest

I always treated the kids college savings accounts as a separate pot of money that was added to for 18 years and never touched until the first tuition bill came in freshman year. Once you start paying college expenses from that account, your regular day to day expenses go down and the complexity of ...
by Hockey10
Sat Dec 02, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Buy Warranty for Bosch Appliances?
Replies: 15
Views: 890

Re: Buy Warranty for Bosch Appliances?

I never buy extended warranties on anything, but, I made an exception last year on a Bosch dishwasher. This was only because we have had bad luck with dishwashers. The previous one was a Kenmore which turned out to need service on several occasions. :annoyed This is our first Bosch appliance. It is ...
by Hockey10
Fri Dec 01, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Should I consider a travel Credit Card?
Replies: 30
Views: 2112

Re: Should I consider a travel Credit Card?

As others have said here, start reading sites like "The Points Guy" and "FlyerTalk". Since you will be doing a lot of International travel, sign up for Global Entry, so you can breeze through Customs on your way back into the US. This also enrolls you in TSA Pre-check which will make getting through...
by Hockey10
Fri Dec 01, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Win Bigly - Scott Adams
Replies: 26
Views: 3687

Re: Win Bigly - Scott Adams

I have not read the book, but one of the first things I do each day is to check in on Dilbert and his Pointy Haired Boss. :)
by Hockey10
Fri Dec 01, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 3486

Re: housing for in-laws

Go for the Man Cave, or at the very least a good set of noise cancelling headphones. My MIL lived with us for 9 years, and she did not speak English. In our case, she was a huge help around the house especially with watching the kids and working in the kitchen. We converted our first floor living ro...
by Hockey10
Wed Nov 29, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3929

Re: Luggage Update for Travel

I won't ever check a bag again. I travel carry on only and I highly recommend backback bags that easily fit in the smallest overhead bin and have comfortable padded backpack straps and a waist belt. When you get off the plane and walk up and down stairs in the airport or train station or along the ...
by Hockey10
Wed Nov 29, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3929

Re: Luggage Update for Travel

I fail to see what the big deal is about checking a bag. I've never had one lost in dozens of business trips, and in most cases,it only takes an extra 5 minutes or so to retrieve. On my first trip to Europe, my wife and I landed in Rome. Our checked bags landed in Mexico City. :annoyed From that mo...
by Hockey10
Sun Nov 19, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance
Replies: 2
Views: 370

Re: Health Insurance

Go on Healthcare.gov before Dec 15 and plug in your numbers as if you are already retired or working only part-time. This will give you an idea of what your monthly cost would be after subsidies for 2018. Be sure to educate yourself on the subsidy cliff - go over your Modified adjusted gross income ...
by Hockey10
Tue Nov 14, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Wireless - Asking for a lower rate
Replies: 21
Views: 2413

Re: Verizon Wireless - Asking for a lower rate

Verizon has discounts for many employers if you work at a megacorp. I have a discount with them currently due to my current employer (the government), but before I was here they had a discount for my megacorp. Couldn't hurt to ask. Verizon Wireless also gives discounts to the Military, including th...
by Hockey10
Wed Nov 08, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insruance Payment
Replies: 29
Views: 1592

Re: Auto Insruance Payment

I pay USAA monthly with a credit card. There are no extra charges for using a credit card, and they give you a discount if you are on auto-pay.
by Hockey10
Mon Nov 06, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: The power of cancellation
Replies: 15
Views: 2650

Re: The power of cancellation

I just renewed Sirius XM last week for $25 for 5 months (plus $3 in taxes) for the "XM Select" package. They have my account set on auto-renew for $18 per month when the 5 month "trial" expires, but I always call in the day before it expires and tell them that I can only afford the $5 per month plan...
by Hockey10
Wed Nov 01, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Improving my online exposure - email change
Replies: 2
Views: 474

Re: Improving my online exposure - email change

I did the same exact thing earlier this year. I set up a new email address strictly to be used for my financial accounts. The results were a mixed bag. Some institutions sent emails to the old and new accounts while others did not send to both. It was disappointing. A nice benefit of the new setup i...
by Hockey10
Wed Nov 01, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Aeroseal for Duct work
Replies: 10
Views: 821

Re: Aeroseal for Duct work

I saw Aeroseal a few years ago on This Old House. The concept is interesting. Rich Trethewey says in the video below that Aeroseal is the best solution he has seen for leaky ductwork.

https://www.youtube.com/watch?v=y9k_FaHE7g8
by Hockey10
Sun Oct 29, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15419

Re: What was the main reason you retired?

I read the obituaries every day. When I got to my mid-50s, I really started to notice the listings for those who pass that are my age or younger. While working, it felt like everything I did at work and at home was rushed. There was rarely enough free time to relax. I did a limited amount of exercis...
by Hockey10
Sat Oct 28, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas in Jan/Feb?
Replies: 25
Views: 2217

Re: Vacation ideas in Jan/Feb?

Spring Training games start the last week of February. If you are in the Tampa area for example, there are plenty of teams including the Yankees, Phillies, and Blue Jays. It is very relaxing to take in a game on a sunny day in Florida when your friends back home are shoveling snow.
by Hockey10
Tue Oct 17, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: How best to sell lot zoned for apartment?
Replies: 8
Views: 837

Re: How best to sell lot zoned for apartment?

I once sold a vacant lot in a residential neighborhood by knocking on the door of the adjacent homeowner. After I introduced myself, the wife said that they had just purchased the vacant lot on the other side of their home. Her husband called me back later that day, and after a bit of price negotiat...
by Hockey10
Wed Oct 11, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 3070

Re: Boston area Relocation...major decision points

If you go down the relocation path, before you make your final decision as to a specific location, test the commute in both the morning and afternoon rush. I relocated to the western suburbs of Boston in the early 90s. I knew going into it that the commute was going to be rough. But it will wear you...
by Hockey10
Sat Oct 07, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 23
Views: 2846

Re: Email Security after equifax breach

I use a separate e-mail for my financial accounts. Other than a few financial institutions and me, nobody knows about this account. It is listed in my Letter of Instruction, so my heirs will be able to figure out where all my financial e-mails go to.
by Hockey10
Sat Oct 07, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: CC online purchase at BestBuy denied - related to recent credit freeze?
Replies: 22
Views: 1361

Re: CC online purchase at BestBuy denied - related to recent credit freeze?

Chase has a proactive Fraud department. Several years ago, I received a text from them asking if I had attempted to make a large purchase at an electronics store in NYC. The transaction had been declined. I called and they said the transaction was for $1400 at a Radio Shack store. Someone had a card...
by Hockey10
Fri Sep 29, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Email address compromised - HELP!!!
Replies: 28
Views: 2581

Re: Email address compromised - HELP!!!

time to abandon the old email address and get a new one. +1 Many years ago before DW had her own e-mail address, she bought something on-line and gave the company my e-mail address. I was then bombarded with dozens of spam e-mails daily for various internet shopping sites. :annoyed The only solutio...
by Hockey10
Thu Sep 28, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: My Smartest Financial Moves
Replies: 62
Views: 6303

Re: My Smartest Financial Moves

Silverado wrote: ↑
Wed Sep 27, 2017 7:11 pm
Opened an IRA when I first went on active duty after ROTC.
I did the same exact thing. Opened a Vanguard IRA in the early 80s after very sharp 1LT suggested it to me. (I was just a dumb 2LT at the time).
by Hockey10
Wed Sep 27, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 77
Views: 10216

Re: My boneheaded financial mistakes

1. Bought a vacant piece of land in NC. Sold it 12 years later at a loss of about $2500. (Lesson learned - never buy land unless you plan on using it soon). :oops:

2. Bought stock in Palm (remember the Palm Pilot) at $35 per share during the dot com bubble. Sold it at $3 per share. :(
by Hockey10
Tue Sep 26, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Journal of my ride across Western Europe
Replies: 9
Views: 1288

Re: Journal of my ride across Western Europe

Raybo, thanks for the tour of Western Europe. Lots of great photos!
by Hockey10
Mon Sep 25, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Do you avoid risky adventures once you have the money?
Replies: 71
Views: 4375

Re: Do you avoid risky adventures once you have the money?

My risk taking changed quite a bit once I had children. It never changed due to wealth accumulation. +1 At age 22, I was a paratrooper in the Army. Since I was single with no dependents, I was a bit concerned for my own safety, but otherwise did not worry about it too much. Now that I am in my 50s ...
by Hockey10
Sat Sep 23, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Anyone used Amazon to buy household goods
Replies: 26
Views: 2067

Re: Anyone used Amazon to buy household goods

My last shampoo lasted 1.5 years. Wow! I learn something new from livesoft almost everyday, but I would be curious to know how he gets 1.5 years from a bottle of shampoo. :confused The possibilities that come to mind: a. he is the worst smelling guy in Texas b. he bought the 55 gallon drum size 1.5...
by Hockey10
Sat Sep 23, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for mid 50 age group
Replies: 35
Views: 2734

Re: Asset Allocation for mid 50 age group

80% stock, 10% bonds, 10% cash. This is the lowest equity allocation I have had since I started investing 35 years ago. I never owned any bonds until I was 50. Up until age 50, I was about 95 - 97% stock and 3 - 5% cash.
by Hockey10
Fri Sep 22, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8898

Re: Age you retired

55.

3 years as an active duty Army officer and 30 years in the corporate world. I am already starting to forget what I did in the last 30 years. :confused

For some reason, the 3 years in the Army are locked in my memory like it was yesterday.
by Hockey10
Sat Sep 16, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: How can I be more savy about taxes?
Replies: 15
Views: 1861

Re: How can I be more savy about taxes?

A book will not be as good as those IRS publications. I've browsed books and they just repeat what is found in the IRS publications for the most part. Publication 17 is free and will get you started. I had a Tax Accounting class in college many decades ago. Over the course of a semester, we went th...
by Hockey10
Wed Sep 13, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for smartphones.
Replies: 31
Views: 2978

Re: Strategy for smartphones.

I will be buying the new Iphone 8 (in about 2-3 years).
by Hockey10
Tue Sep 05, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 3928

Re: How do you track expenses ?

I use Personal Capital. In addition to helping me track expenses, I use it as a tool to monitor my accounts for any fraud. Since I have multiple credit cards, bank accounts, and brokerage accounts, PC gives me a daily snapshot of everything in my financial world that took place yesterday.
by Hockey10
Fri Sep 01, 2017 5:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 18359

Re: [Are the Bogleheads] getting less interesting?

I have to admit that when livesoft is not posting a few dozen times per day, the site is less interesting. :( But after 55,000+ posts, I guess he deserves some time away.
by Hockey10
Fri Sep 01, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Dropped envelope of money at bank... Any lawyers here?
Replies: 72
Views: 4478

Re: Dropped envelope of money at bank... Any lawyers here?

If the OP's friend is named Uncle Billy, the thief is named Mr. Potter. :happy
by Hockey10
Wed Aug 30, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: tax / estate planning for parents
Replies: 16
Views: 1283

Re: tax / estate planning for parents

Buy the Nolo book titled "Plan Your Estate". It is 500 pages long, but very well written and easy to read. Take a lot of notes on items from the book that are specific to your situation and make up a list of questions for an attorney. Then sit down with an estate planning attorney and develop the pl...
by Hockey10
Mon Aug 28, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Trust tax questions after death
Replies: 16
Views: 1337

Re: Trust tax questions after death

I have a degree in accounting (but never practiced as such) and researched all I needed to do as executor of my mother's estate, yet I chose to use an attorney and a CPA in a limited manner to assure things were done correctly. +1. Same situation for me when I was executor of my Dad's estate. Hirin...
by Hockey10
Mon Aug 28, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Harvey flood damage [tenant's property has flooded - actions?]
Replies: 28
Views: 4878

Re: Harvey flood damage [tenant's property has flooded - actions?]

Call your insurance company today to file a claim. They will put your claim in their queue and will eventually send out an insurance adjuster. The sooner you call, the sooner the adjuster will be at your house assessing the damage. We went through this with Hurricane Sandy. We called USAA the day af...
by Hockey10
Sat Aug 26, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance Increase
Replies: 13
Views: 1437

Re: USAA Auto Insurance Increase

33 years for me with USAA and I don't believe I have ever received any notice like that
by Hockey10
Fri Aug 25, 2017 6:34 pm
Forum: Investing - Theory, News & General
Topic: Vacation home, and renting it out
Replies: 9
Views: 935

Re: Vacation home, and renting it out

We owned a vacation home at the Jersey Shore for 11 years. The first 10 years gave me the best summers of my life. (We did not rent it out). Then Hurricane Sandy came along. The final year was a nightmare. We eventually sold the property at a loss. As I look back on it now, I ask myself if I would b...
by Hockey10
Fri Aug 25, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: My Master Plan
Replies: 9
Views: 1264

Re: My Master Plan

At your age, forget about bonds. Go 100% equity. Even if the market crashes 50% on Monday, you have decades to recover. I did not own any bonds until I was in my 50s, and I did fine. :D
by Hockey10
Wed Aug 16, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 5348

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: 1565

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: 2860

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: 3678

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: 3678

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: 30868

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: 2117

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...