Search found 123 matches

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: 6
Views: 453

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: 2780

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: 22
Views: 2351

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: 1237

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: 2418

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: 5927

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: 9553

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: 1208

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: 4097

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: 1901

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: 2486

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: 8228

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: 1770

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: 2647

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: 3598

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: 16948

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: 4126

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: 1182

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: 1226

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: 4652

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: 1341

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: 860

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: 1210

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: 5026

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: 1480

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: 2725

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: 3455

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: 3455

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: 30623

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: 2017

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: 11529

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: 1693

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: 135
Views: 10609

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: 39
Views: 4807

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 toys and t...
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: 1354

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: 1739

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: 4192

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: 3072

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: 4472

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: 1066

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: 3403

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: 4620

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: 6002

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: 53
Views: 5268

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: 2824

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: 6175

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: 1258

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: 417

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: 1190

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: 1272

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...