Search found 24 matches

by NCPE
Fri Dec 01, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10244

Re: Price of haircut?

Had one today, standard cut is $13+$2 tip. LCOL area, I have had the same barber for 35 years.

NCPE
by NCPE
Fri Nov 10, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: Home backup generator experiences
Replies: 51
Views: 2843

Re: Home backup generator experiences

I never could justify a dedicated whole house generator, instead we installed a manual transfer / lock out plate on the electrical panel and an outside power inlet that we supply using the Bobcat welder we have for welding around the farm, 10 kw pretty much runs everything in the house except the he...
by NCPE
Thu Oct 12, 2017 5:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 42
Views: 6522

Re: Roll Call for the Retirement Class of 2018!

I has been 3 months since I officially hit the “R” button and notified my management I will be checking out in 2018 and the stress level in my life due to work has drastically dropped. I had my annual physical this week and my blood pressure is the lowest it has been in many, many years. :D Good luc...
by NCPE
Sun Sep 24, 2017 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Large inheritance -questions to ask potential advisors
Replies: 27
Views: 2846

Re: Large inheritance -questions to ask potential advisors

First of all condolences on the passing of your father in law. I went through a similar situation with my mother's estate but you are much smarter than I was - you came to Bogleheads for advice before doing anything. :happy The first item to address will be to identify any tax implications for 2017 ...
by NCPE
Sun Aug 13, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Alternatives/choices with ambulance or rescue squad
Replies: 25
Views: 1416

Re: Alternatives/choices with ambulance or rescue squad

dm200 - The answer to many of your questions is "it depends". I am not sure of your exact location (hopefully you are not inside DC) but I am actively involved in Fire / Rescue response here in NC and can only speak based on my 38 years of being a firefighter / EMT. First off I will apologize for th...
by NCPE
Sun Jul 02, 2017 7:24 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 42
Views: 6522

Roll Call for the Retirement Class of 2018!

I could not find a Class of 2018 post so I guess I am the first to officially hit the “R” button for 2018. I have run the numbers through all the online calculators and thanks to the members of this forum I am ready to make the jump after 35 years with a megacorp that is in the process of being take...
by NCPE
Thu May 04, 2017 6:29 am
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 4536

Re: Vexing electrical problem in the house

Sounds like you need to get firm with the "warranty" company and demand a licensed (and competent ) electrician to come out and fix the issue. As others have said you have an issue with an intermittent connection, more than likely in the breaker panel. A thermal imaging camera can very quickly ident...
by NCPE
Wed Apr 12, 2017 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Tax preparer charging for past tax PDF's copies
Replies: 49
Views: 3998

Re: Tax preparer charging for past tax PDF's copies

My CPA supplies me a bound hard copy of my tax returns along with supporting documentation when he is done. It is then up to me to retain it or make copies as I see fit. I am sure he would charge additional for a pdf copy, either at the time I pick up the hard copy or if I came back at a later date....
by NCPE
Fri Mar 24, 2017 5:23 am
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 10384

Re: The $1,124,176 Car.

I will have sit down and do the math on how much my daily driver (1990 Honda Civic) has saved me over the years :mrgreen: Nothing other than normal scheduled maintenance (which I do my self) since I bought it. I might have to look about retiring it from daily driver status when it hits 30 years old....
by NCPE
Sun Mar 05, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Questions for Parents' Executor to Ask Beforehand?
Replies: 8
Views: 984

Re: Questions for Parents' Executor to Ask Beforehand?

I have been the executor for both of my parent's estates. When my father passed away it was very straightforward, all financial assets passed directly to my mother per the terms of the will and since she was listed on all financial accounts as Joint Owner with Right of Survivorship or she was sole b...
by NCPE
Fri Feb 17, 2017 7:11 am
Forum: Investing - Theory, News & General
Topic: Charlie Munger's Comments on Index Funds versus "Stock Picking"
Replies: 12
Views: 2990

Charlie Munger's Comments on Index Funds versus "Stock Picking"

Didn't see this posted but a good affirmation from Charlie Munger (Berkshire Hathaway) on investing in Index funds versus picking stocks

"I would hate to manage a trillion dollars in the big stocks and try to beat the indexes. I don't think I could do it."

Link below:

http://finance.yahoo.com/news/stock-pic ... 42226.html

NCPE
by NCPE
Sat Jan 28, 2017 10:22 pm
Forum: Personal Consumer Issues
Topic: Fire extinguishers
Replies: 45
Views: 3090

Re: Fire extinguishers

Multiple extinguishers through out the house and garage, plus one in each vehicle. Friendly public safety reminder - If you have the dry powder type extinguishers remember to check the gauge and to flip them upside down a few times to keep the powder from settling in them when you check your Smoke D...
by NCPE
Sat Jan 28, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 66
Views: 6158

Re: Verizon to Cricket or StraightTalk

Another satisfied Cricket user.

Was with Verizon for 20+ years but the steady price increases pushed me to look elsewhere. Before switching check the coverage maps for your area, all cell carriers have dead spots, just in different locations.

NCPE
by NCPE
Tue Dec 27, 2016 7:17 am
Forum: Personal Consumer Issues
Topic: Cutting Trees in the Back Yard
Replies: 27
Views: 2731

Re: Cutting Trees in the Back Yard

This is a job to leave to the professionals. Bid the job out among tree companies that are bonded and insured for both liability and workers comp. Call their agent to verify insurance is in force before they start working on your property. Neighbor tried the cheap route, hired 2 guys with a pickup a...
by NCPE
Mon Nov 21, 2016 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Car purchase- email negotiations for CPO cars?
Replies: 12
Views: 2066

Re: Car purchase- email negotiations for CPO cars?

SixAlpha - Point well taken on the online maintenance records. I am just leery of a relatively "new" car under warranty with no history or paperwork on oil changes, etc. On the other hand as soon as I purchase a vehicle it tends to "disappear" from the Carfax online tracking othe...
by NCPE
Mon Nov 21, 2016 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Car purchase- email negotiations for CPO cars?
Replies: 12
Views: 2066

Re: Car purchase- email negotiations for CPO cars?

Definitely recommend the email route. We have purchased 2 "certified pre-owned" (a Lexus and a Honda) with great results. The last one we bought was purchased with out a test drive (we looked at it on the weekend when we could check it out with out being pressured by the lot salesmen). Tot...
by NCPE
Mon Nov 21, 2016 5:58 am
Forum: Investing - Help with Personal Investments
Topic: Wisdom of decision
Replies: 17
Views: 2232

Re: Wisdom of decision

Retiresafely - Welcome to the Forum. Your situation sounds very similar to where I was at before I found the Bogleheads. (My former FA had me in 26 different funds just to make it looked complicated ). I was paying him a 1.5% AUM fee which I thought was a little high but I my epiphany was when I plu...
by NCPE
Mon Oct 31, 2016 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Continue Whole Life Policy with LTC Rider or Self Fund?
Replies: 9
Views: 1349

Re: Continue LTC Policy or Self Fund?

I will try to address the questions asked: The "Paid up at 99" basically means that we make annual payments @$5,900 until the DW is 99, after she turns 100 they don't charge anymore premiums. (40 years x $5,900 each year) The LTC rider is included at "No Charge" I have only made ...
by NCPE
Sun Oct 30, 2016 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Continue Whole Life Policy with LTC Rider or Self Fund?
Replies: 9
Views: 1349

Continue Whole Life Policy with LTC Rider or Self Fund?

I am making progress to convert my investments to a lazy portfolio (from the 26 different funds my former FA had me in just to make it look complicated). After making considerable progress with the investment transition (and getting better returns than the previous FA’s portfolio) I am now second gu...
by NCPE
Fri Sep 30, 2016 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: A broker's response to 3 Fund Portfolio
Replies: 61
Views: 7145

Re: A broker's response to 3 Fund Portfolio

Sounds just like my former FA before I found the Bogleheads (he had me in 26 different funds just to make it looked complicated). My epiphany was when I signed up for the Morningstar and plugged the FA's portfolio and compared it with the X Ray analysis tool against a 3 fund "lazy" portfol...
by NCPE
Wed Mar 30, 2016 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 122
Views: 10319

Re: Which Engineering Discipline for the next 20+ years !!!

Pick a major in that you at least have some interest in, but I would also recommend picking your electives in a complimentary major to broaden your skill set. Engineering is in very high demand still and looks to be in demand for a long time into the future. My degree is ME, but took most of my elec...
by NCPE
Fri Mar 25, 2016 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Best & Worst Financial Decisions?
Replies: 92
Views: 10749

Re: Best & Worst Financial Decisions?

Best: Saving / Investing consistently since first day of employment Worst: Trusting a fee only Financial Advisor to pick the funds for my portfolio. High expense ratios, extremely aggressive complicated portfolio, with much lower returns than the 401k funds that I was managing on my own. The bright ...
by NCPE
Fri Mar 18, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Should I proactively freeze my credit?
Replies: 18
Views: 1769

Re: Should I proactively freeze my credit?

Highly recommend freezing your credit proactively. To quote the old saying "it is too late to close the barn door after the horse is out". Cost will vary depending on where you live, we just happen to reside in North Carolina which requires the Credit Bureaus to let us freeze / unfreeze ou...
by NCPE
Tue Mar 15, 2016 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Turning a Bogle eye on auto insurance for first time
Replies: 28
Views: 4500

Re: Turning a Bogle eye on auto insurance for first time

Look into bundling with your homeowner policy, AAA also writes insurance in NC for auto / home / umbrella.

Pays to price shop your insurance business every other year or so to make sure you are getting the best coverage for the lowest price.

Andy