Search found 84 matches

by Hockey10
Fri Jun 23, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Deck stain
Replies: 9
Views: 855

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: 28
Views: 2062

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: 61
Views: 3367

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: 79
Views: 4847

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: 1974

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: 2322

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: 5068

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: 952

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: 281

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: 1048

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: 933

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 :idea: 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...
by Hockey10
Sat Jun 10, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 7961

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: 1595

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: 10183

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: 1987

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. :x 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 b...
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: 1449

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: 1449

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: 1538

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: 8666

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 :D 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 wi...
by Hockey10
Sun Jun 04, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Preferred
Replies: 11
Views: 1508

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: 926

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: 1613

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: 1446

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: 626

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: 1382

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: 7707

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: 617

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: 621

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: 2764

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: 1132

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: 3672

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: 3809

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: 4647

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: 2096

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: 2922

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: 1449

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: 2105

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: 1867

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: 131
Views: 12047

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: 1819

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: 3219

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: 2210

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: 3327

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: 1526

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: 7869

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: 937

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: 6402

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: 2288

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: 1067

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: 3495

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

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