Search found 130 matches

by Rich Cape Cod
Fri Aug 12, 2016 5:40 pm
Forum: Investing - Theory, News & General
Topic: Confession~ I timed the market today
Replies: 31
Views: 3424

Re: Confession~ I timed the market today

I kinda/sorta did a similar thing a few weeks ago. My Vanguard investments were doing very well for the year so I moved, from a couple of them, sufficient money to ensure my RMD payments for a couple of years into the Vanguard Money Mkt account. Seemed like a reasonable thing to do.

Rich
by Rich Cape Cod
Tue Aug 02, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 98
Views: 9858

Re: Stats on Americans 'cutting the cable' ?

mj13f150 wrote: "....haven't had cable since college, I do the Roku / Netflix route. BUT, having been in multiple hotels recently on a trip, I find how much NEWS I am missing by not having FOX News, CNN and MSNBC etc. ...." MJ, take a look at Sling. As part of that package they offer CNN. ...
by Rich Cape Cod
Tue Aug 02, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: Should I replace my hot water heater?
Replies: 15
Views: 1162

Re: Should I replace my hot water heater?

Kind of a "it depends" question. The age of your water heater is quite "mature." I "thought" they lasted around ten or twelve years, but am no expert in such things. A couple of years ago my wife and I decided to replace our still working water heater that was twelve ye...
by Rich Cape Cod
Sat Jul 02, 2016 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for my 18 yr old nephew, a German national, on Investing
Replies: 7
Views: 580

Re: Advice for my 18 yr old nephew, a German national, on Investing

Hanseat, great advice!! I've copied your information and will give it to my nephew.

Thanks,

Rich
by Rich Cape Cod
Fri Jul 01, 2016 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for my 18 yr old nephew, a German national, on Investing
Replies: 7
Views: 580

Re: Advice for my 18 yr old nephew, a German national, on Investing

Thanks. On the Vanguard site there "seems" to be a section designed for foreign investors (at least they offer international funds and the site is available in numerous languages, including German). I'll contact Vanguard after the holiday weekend.

Rich
by Rich Cape Cod
Thu Jun 30, 2016 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for my 18 yr old nephew, a German national, on Investing
Replies: 7
Views: 580

Re: Advice for my 18 yr old nephew, a German national, on Investing

I should mention, we went to Social Security today and he has applied for a Social Security card (he needs to be enrolled as he is working this summer in the States).

Rich
by Rich Cape Cod
Thu Jun 30, 2016 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for my 18 yr old nephew, a German national, on Investing
Replies: 7
Views: 580

Advice for my 18 yr old nephew, a German national, on Investing

My nephew from Germany is visiting us this summer (he stayed with us last summer as well). He is 18 now and a very thoughtful and intelligent young man. We were discussing financial issues today and I suggested that as soon as he gets a “real job” he immediately start investing 10% of his income for...
by Rich Cape Cod
Thu Jun 23, 2016 8:53 pm
Forum: Personal Consumer Issues
Topic: Good Deal on a Pocket Pistol
Replies: 124
Views: 10715

Re: Good Deal on a Pocket Pistol

I own several Ruger LCP pistols (it's a long story...). Very reliable, very practical for the pistol's intended purpose; easily concealed personal protection. This pistol is practical and task related. I suggest you consider purchasing a pocket holster as that is the most practical way to carry this...
by Rich Cape Cod
Mon Oct 05, 2015 12:16 am
Forum: Personal Consumer Issues
Topic: Where in the U.S. can I buy a house for under $250k that's a nice place to live?
Replies: 152
Views: 17565

Re: Where in the U.S. can I buy a house for under $250k that's a nice place to live?

Consider south of Tucson; Green Valley or, a bit more rural, Tubac. You will find comfortable homes in the price range you mentioned. As others have stated, I'd visit, then rent, prior to making a final decision. The nice thing about AZ is, it's close enough for you to explore from where you live no...
by Rich Cape Cod
Tue Sep 15, 2015 8:37 pm
Forum: Investing - Theory, News & General
Topic: Advice for my 17 yr old German nephew [How to invest, Germany]
Replies: 6
Views: 844

Re: Advice for my 17 yr old German nephew [How to invest, Germany]

Thanks for the responses. I'll check the suggested website.

Rich
by Rich Cape Cod
Tue Sep 15, 2015 7:33 pm
Forum: Personal Consumer Issues
Topic: Quiet thru the wall Air Conditioner
Replies: 12
Views: 1173

Re: Quiet thru the wall Air Conditioner

The "ductless mini-split system" is the way to go. There is a unit hung on the room's wall with the compressor outside the residence. I have the AC (and heating part as well) both in my guest room/TV room and our master bedroom, as the rooms sit one floor over the other. Wonderfully quiet,...
by Rich Cape Cod
Mon Sep 14, 2015 10:57 pm
Forum: Investing - Theory, News & General
Topic: Advice for my 17 yr old German nephew [How to invest, Germany]
Replies: 6
Views: 844

Re: Advice for my 17 yr old German nephew

Well, that's a relief! I'll let him know just how lucky he is.

Rich
by Rich Cape Cod
Mon Sep 14, 2015 10:47 pm
Forum: Investing - Theory, News & General
Topic: Advice for my 17 yr old German nephew [How to invest, Germany]
Replies: 6
Views: 844

Advice for my 17 yr old German nephew [How to invest, Germany]

My German nephew is spending the summer with my wife and myself. He is a thoughtful and mature young man. I suggested that when he finally becomes employed (he has a lot of schooling in front of him first) he plan on saving 10% of his income and invest it. He then asked, where? My dilemma is, I don'...
by Rich Cape Cod
Fri Jun 19, 2015 9:48 pm
Forum: Personal Consumer Issues
Topic: How much emphasis should I put on car reviews?
Replies: 30
Views: 3968

Re: How much emphasis should I put on car reviews?

I have found Consumer Reports to have very accurate data on car reliability. Their database, which this information is based on, is quite large.

Rich
by Rich Cape Cod
Mon Jun 15, 2015 10:02 pm
Forum: Investing - Theory, News & General
Topic: $2.55 Billion in gains -- $40 million in returns to investors
Replies: 7
Views: 2331

$2.55 Billion in gains -- $40 million in returns to investors

I’m retired law enforcement (41 years total). My first twenty were with the NYPD. I received my copy of the Retired Lieutenants Association newsletter today. A small article in the newsletter was titled: Eating Up Pension Profits The City Comptroller reported that in the last decade the five city re...
by Rich Cape Cod
Fri May 22, 2015 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Error in social security earnings record
Replies: 5
Views: 875

Re: Error in social security earnings record

Before going into the SS office to sign up at age 66 I knew they didn't credit me with a year of "substantial earnings." I printed out a sheet with all the info (correct info) as well as bringing in my back-up material. I politely handed the data over to the young man dealing with me. He q...
by Rich Cape Cod
Tue May 05, 2015 11:27 am
Forum: Personal Consumer Issues
Topic: Cutting cable cord...
Replies: 52
Views: 6299

Re: Cutting cable cord...

I live in Green Valley AZ winters. We are about 25 miles from over the air TV antennas. I purchased a Mohu antenna from Amazon and receive 18 English language stations (plus another half dozen or so Spanish language stations). http://www.amazon.com/gp/product/B00APPDX86/ref=oh_aui_detailpage_o08_s00...
by Rich Cape Cod
Wed Apr 22, 2015 8:18 pm
Forum: Personal Consumer Issues
Topic: Living in New Hampshire?
Replies: 35
Views: 3722

Re: Living in New Hampshire?

Try going on City-Data Forum. They'll have lots of info on New Hampshire for you there.

Rich

Cape Cod/AZ
by Rich Cape Cod
Fri Mar 20, 2015 5:43 pm
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 11973

Re: Whats a good Pistol to buy?

Nothing fancy. But a good brand. Something to carry in my Motorhome when I travel. Like a 38 or 40 cal. A revolver/ double action/ external hammer.... for example. I know nothing about guns. I am in CA. .... Stev, this is a tough one. I have 41 years as a law officer (+20 NYPD, +20 Chief of Police ...
by Rich Cape Cod
Sat Jan 24, 2015 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Home Maintenance Expenses
Replies: 47
Views: 9958

Re: Annual Home Maintenance Expenses

Guys and Gals, this thread is from May 2011! My 2 cents; people tend to underestimate the real world costs of owing a home. 1% would be a minimum amount I'd expect to pay in a year on the maintenance of my home which, after all is said and done, is a big machine with lots of moving parts and things ...
by Rich Cape Cod
Sat Jan 24, 2015 1:37 am
Forum: Personal Consumer Issues
Topic: Is it worth it to buy a condo vs a house.
Replies: 41
Views: 6483

Re: Is it worth it to buy a condo vs a house.

Just a thought, but is it really wise to purchase a home or condo with someone you're not married too?

Rich
by Rich Cape Cod
Sun Jan 04, 2015 12:46 am
Forum: Personal Consumer Issues
Topic: Elderly monitoring camera experience
Replies: 7
Views: 1148

Re: Elderly monitoring camera experience

The DropCam suggestion is an excellent one. Very easy set-up, excellent image. Has the potential for audio monitoring as well.

Rich
by Rich Cape Cod
Sat Dec 20, 2014 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: In my ETrade DRIP account -- Small amounts of cash pop up??
Replies: 7
Views: 1121

Re: In my ETrade DRIP account -- Small amounts of cash pop u

Hi CABob: I'm embarrassed to report that, while I do look at my account on a regular basis, I don't pay much attention to these small bits of cash until there is enough sitting there for me to transfer over to one of my dozen stocks. But, you're point is well taken. I will make note of how long it t...
by Rich Cape Cod
Sat Dec 20, 2014 10:42 am
Forum: Investing - Help with Personal Investments
Topic: In my ETrade DRIP account -- Small amounts of cash pop up??
Replies: 7
Views: 1121

Re: In my ETrade DRIP account -- Small amounts of cash pop u

CABob, no broker. My dividend reinvestment program is on auto pilot (an equity earns a dividend, it's put right back in).

Rich
by Rich Cape Cod
Thu Dec 18, 2014 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: In my ETrade DRIP account -- Small amounts of cash pop up??
Replies: 7
Views: 1121

In my ETrade DRIP account -- Small amounts of cash pop up??

Howdy. Can anyone explain why, in my ETrade Dividend Reinvestment account, from time to time there are loose cash amounts showing up. Now it's around $1,200 dollars, with which I will just buy some more shares of one of my equities with. I simply don't understand where this money comes from. Anyone?...
by Rich Cape Cod
Sat Nov 08, 2014 11:57 pm
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 8229

Re: Money saved by buying a hybrid or electric car?

Question about the lifespan of gasoline in some of these hybrids. I've read some folks claim they haven't put gas in their vehicles for months on end. Not sure if that's wishful thinking on some folks part but, assuming that's true, how do you deal with having a tank of "old" gasoline in y...
by Rich Cape Cod
Mon Oct 27, 2014 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Roth question? [Contributing to Roth IRA]
Replies: 4
Views: 832

Re: Roth question? [Contributing to Roth IRA]

It's independent contractor work (expert witness fee).
by Rich Cape Cod
Sun Oct 26, 2014 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Roth question? [Contributing to Roth IRA]
Replies: 4
Views: 832

Roth question? [Contributing to Roth IRA]

I'm 69 years of age. Although retired I do a bit of consulting. This year I'll earn approximately $2,400 dollars for this work. My pension incomes (three streams) are about $140,000 gross. Can I take some or all of that $2,400 dollars and put it in a Roth? Thanks! Rich OK, I did what I should have d...
by Rich Cape Cod
Fri Oct 10, 2014 11:00 pm
Forum: Personal Consumer Issues
Topic: Cleaning Up Acorns
Replies: 37
Views: 9170

Re: Cleaning Up Acorns

drawpoker wrote: "Is there some special kind of rake just for these damn acorns? What did you use on your's that was so successful?"

No special rake, just plain plastic model bought at ACE.

>>> "What did you use on your's that was so successful?"

My wife... 8-)
by Rich Cape Cod
Fri Oct 10, 2014 10:41 am
Forum: Personal Consumer Issues
Topic: Cleaning Up Acorns
Replies: 37
Views: 9170

Re: Cleaning Up Acorns

Not more than a 1/2 hour ago my wife and I raked acorns! I have never seen so many acorns dropping for so long as we've had this year. I thought it might be some unique Cape Cod aberration. Guess it's not. Used a blower (electric) for the two decks on the property, then hand rakes for picking up the...
by Rich Cape Cod
Tue Oct 07, 2014 10:26 pm
Forum: Investing - Theory, News & General
Topic: Flaws in This Reasoning About Retiring Off Dividends
Replies: 15
Views: 3212

Re: Flaws in This Reasoning About Retiring Off Dividends

About 1/3 of my investments (“DOW aristocrats” – average around 4%) are in a taxable dividend reinvestment account (ETrade). I understand that whether one owns equities that generate dividends or not, the end monetary result is the same. None the less, the 1/3 of my investments generates, if I opted...
by Rich Cape Cod
Thu Sep 18, 2014 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: A safe full of cash
Replies: 22
Views: 3404

Re: A safe full of cash

While I'm not inclined to keep such a "stash" of money around, it would seem to me that if you were concerned about the worst possible situation, you'd want your emergency asset to be in one ounce gold coins.

Rich
by Rich Cape Cod
Tue Sep 09, 2014 10:06 pm
Forum: Personal Consumer Issues
Topic: Anyone moved from NY?
Replies: 43
Views: 3835

Re: Anyone moved from NY?

Born Brooklyn. Moved to Newark NJ (dad work move) when I was 14. At 18 off to USAF (TX, CA and Berlin Germany). Age 24 Brooklyn again (NYPD). Age 27 moved to Orange County NY. Age 45 to Cape Cod (new job). Now we bounce between Cape Cod and Arizona (Green Valley, just south of Tucson). It's a big wo...
by Rich Cape Cod
Sat Aug 30, 2014 3:05 pm
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 29
Views: 3161

Re: Help me evaluate a standby generator quote

Wow, you guys have pretty big units. We live on Cape Cod and after too many outages installed a Generac 12.5kw unit (March 2008). Powered by propane, a 250 gallon buried tank. Should have gotten a 500 gallon unit but it's working out. Last night it kicked on around 5pm due to a motor vehicle acciden...
by Rich Cape Cod
Mon Aug 25, 2014 4:52 pm
Forum: Personal Consumer Issues
Topic: Global entry and Nexus (not the phone)
Replies: 16
Views: 1556

Re: Global entry and Nexus (not the phone)

My wife and I applied for and received our Sentri cards this past winter. We winter south of Tucson and the Sentri card is the southern equivalent of the Nexus card. From the time I applied online until we did our interview was around two and a half months. Interview was done in Nogales AZ (at the P...
by Rich Cape Cod
Sun Aug 24, 2014 9:04 am
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 8498

Re: Is it me, or are "collectibles" worthless in 2014?

"Worst story I've heard was the guy who spent over 100k on Beanie babies thinking they would keep going up in value...." Ah, Beanie Babies! I have a dear friend. Smart guy, his wife is an attny. Some years ago I'm at their home and see their "collection" of Beanie Babies. I quest...
by Rich Cape Cod
Sat Aug 23, 2014 11:38 am
Forum: Personal Finance (Not Investing)
Topic: WWII Vet and disability payment question
Replies: 3
Views: 414

Re: WWII Vet and disability payment question

Guys, I've passed both sites on to Roger. Thanks. He is stubborn (has a PhD from Harvard, so what can ya expect!), so I don't have much hope he's going to try and straighten this out (if, in fact, there is an error). For the record, I know so much about my friend because I interviewed him for a book...
by Rich Cape Cod
Sat Aug 23, 2014 8:53 am
Forum: Personal Finance (Not Investing)
Topic: WWII Vet and disability payment question
Replies: 3
Views: 414

WWII Vet and disability payment question

I have a friend who fought in WWII. Flew A26s in the Pacific, pathfinder missions and to sink Japanese fishing trawlers (they supplied most of the protein for Japan during that period.). Roger is 93 or so. He told me this morning that ever since leaving service in 1945 he's received $14 dollars a mo...
by Rich Cape Cod
Wed Aug 20, 2014 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to best pay for a second home?
Replies: 8
Views: 1037

Re: How to best pay for a second home?

The consensus seems to be to remortgage the Cape house for the amount needed for AZ. I was hoping for someone to come up with some other, more brilliant plan, that I had overlooked, but life ain't like that.

Thanks for everyone's input.

Rich
by Rich Cape Cod
Wed Aug 20, 2014 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: How to best pay for a second home?
Replies: 8
Views: 1037

Re: How to best pay for a second home?

.........Of course, another option is to just pay in cash from your liquid assets. Are you worried about the tax hit, or the liquidity hit? One other question: what's keeping you in Cape Cod? I.e., why not sell the Cape home and move to AZ now? I thought about just selling out my ETrade money. We'd...
by Rich Cape Cod
Wed Aug 20, 2014 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to best pay for a second home?
Replies: 8
Views: 1037

How to best pay for a second home?

I’m in a bit of a quandary and looking for some knowledgeable guidance. I’m 69, my spouse of 45 years is 71 (she robbed the cradle…). We live on Cape Cod and spend winters in an AZ rental (just south of Tucson). She would very much like a second home in AZ and I’m trying to work out the most intelli...
by Rich Cape Cod
Sun Aug 17, 2014 3:25 pm
Forum: Personal Consumer Issues
Topic: Girls gymnastics: what to expect
Replies: 28
Views: 4053

Re: Girls gymnastics: what to expect

My neighbor's daughter (young teenager) was heavily involved (went several times a week to train and traveled to events to compete) in gymnastics. The upside: she loved doing it and became pretty good (according to her mom... She did win a bunch of ribbons and such.). She made lots of nice friends. ...
by Rich Cape Cod
Tue Aug 05, 2014 3:41 pm
Forum: Personal Consumer Issues
Topic: Will global entry or TSA Precheck help me?
Replies: 27
Views: 2438

Re: Will global entry or TSA Precheck help me?

As an aside, I've been told by a friend who is a Customs and Border Protection agent that the gov't is going to consolidate some of these travel passes, as the vetting process is virtually identical for all of them. So, instead of Sentry (for Mexico reentry), Nexus (Canada reentry), and GOES (I forg...
by Rich Cape Cod
Tue Aug 05, 2014 12:03 am
Forum: Investing - Theory, News & General
Topic: Dividend Strategy Ain't For Everyone
Replies: 149
Views: 13604

Re: Dividend Strategy Ain't For Everyone

I invest in qualified Vanguard funds (about 2/3 of my investment money) and with ETrade (DRIP) with my after-tax money. In ETrade I have 12 stocks. I'm very conservative (I think I am anyway) and my stocks rarely pay more than 4%. They include Duke Energy, Johnson and Johnson, McDonald's, Exxon Mobi...
by Rich Cape Cod
Sat Jul 19, 2014 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Living on Dividends
Replies: 18
Views: 4943

Re: Living on Dividends

David, just one small word of caution. Not from me, but from brighter fellow named Adlai Stevenson. He once said (and I paraphrase), "What a man knows at age 50 would have been largely unknowable at age 21." I'm simply suggesting that should you sometime in the future begin to feel that yo...
by Rich Cape Cod
Sun Jun 22, 2014 9:55 pm
Forum: Personal Consumer Issues
Topic: A day in Dachau?
Replies: 38
Views: 3255

Re: A day in Dachau?

Some old pictures of Dachau I took while serving in Germany (1967 or so). http://i95.photobucket.com/albums/l149/RichCapeCod/Old%20Pics/Dachau_zps3ca9c13e.jpg http://i95.photobucket.com/albums/l149/RichCapeCod/Old%20Pics/DachauKZwatchtowerAug1966_zpsd9f0a93c.jpg http://i95.photobucket.com/albums/l14...
by Rich Cape Cod
Sun Jun 22, 2014 9:46 pm
Forum: Personal Consumer Issues
Topic: bidet for a boglehead
Replies: 19
Views: 2653

Re: bidet for a boglehead

All kidding aside, bidet's are great! I have several (for two homes). Below is the model I use. No water heater but it's not necessary. I really do recommend this device highly.

http://shop.usabidet.com/USABIDET-H-2-o ... ET-H-2.htm

Rich
by Rich Cape Cod
Thu Jun 19, 2014 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Car inspection on Carmax car
Replies: 24
Views: 4216

Re: Car inspection on Carmax car

It would seem that each CarMax location is unique. I bought a Jeep Wrangler from the Tucson CarMax a year ago. After agreeing to buy the car I got a call at home. They found a crack in the windshield and were replacing it with a new one, so there'd be a short delay! I know a couple of folks who boug...
by Rich Cape Cod
Fri Jun 13, 2014 8:31 pm
Forum: Investing - Theory, News & General
Topic: The Problem with Market Timing
Replies: 19
Views: 1903

Re: The Problem with Market Timing

Quite a few years ago I "timed the market." DOW was at around 11,000 to give you an idea of the "when." I pulled out the money in equities of my 457 and, as the market went down to (if memory serves) around 7,000 I kept on feeding my money back in as it fell. Never do that again!...
by Rich Cape Cod
Wed May 21, 2014 10:19 pm
Forum: Personal Consumer Issues
Topic: Best way to rent a car for 14-16 days
Replies: 14
Views: 2043

Re: Best way to rent a car for 14-16 days

If you have an AmEX credit card they have a service which, for $28 dollars (last I looked) they cover your rental car insurance. I've used it several times and, in lieu of using the rental companies insurance, it's a good deal. I "think" they limit you to a 45 day long rental period, after...

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