Search found 372 matches

by Hockey10
Sun Feb 17, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: Techies provide me best practices
Replies: 21
Views: 1689

Re: Techies provide me best practices

I am not a techie, but set up a separate email account to use with your financial accounts only. Don't give this email address to anyone besides the companies where you have a bank or brokerage account.
by Hockey10
Sun Feb 17, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Moved to new state/job 6M ago. Previous employer wants me back!
Replies: 36
Views: 2657

Re: Moved to new state/job 6M ago. Previous employer wants me back!

Stay put and change your Bogleheads name to sunny_texas.
by Hockey10
Tue Feb 12, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Turbo Tax bug with 529 on state forms
Replies: 10
Views: 693

Re: Possible Turbo Tax bug with 529 on state forms

I find the easiest way (for me) to not overlook things like this is to keep a spreadsheet with a checklist of all the things I need to complete my taxes using info from my previous year's taxes. I.e. W2, 1099-DIV from xyz, summer/winter property taxes, vehicle registrations, medical expenses, 529 c...
by Hockey10
Mon Feb 11, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: a week in Italy(first time)
Replies: 29
Views: 1770

Re: a week in Italy(first time)

You say "3 days in Rome". Does that mean on day 1 you arrive (no doubt jet lagged), day 2 is a full day and day 3 you leave? If so, that means you have only 1 full quality day in Rome. 3 nights in Rome. We arrive in the evening. The next day is day 1. We leave Rome for Florence on the evening of da...
by Hockey10
Sun Feb 10, 2019 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity login security
Replies: 10
Views: 1241

Re: Fidelity login security

I have the VIP Access token installed on my phone, which is always with me wherever I go, so I can in theory log into my Fidelity account from any location. However, in practice, I have only logged into Fidelity from my home computer. I don't even have the Fidelity app installed on my phone. I just ...
by Hockey10
Sun Feb 10, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: a week in Italy(first time)
Replies: 29
Views: 1770

Re: a week in Italy(first time)

That is too many locations for 1 week. Stick to 2 hotel locations, with maybe a day trip to one of the areas you are interested in. I like to plan trips in terms of nights instead of days. You say "3 days in Rome". Does that mean on day 1 you arrive (no doubt jet lagged), day 2 is a full day and day...
by Hockey10
Sat Feb 02, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: Veteran Obtain Military ID
Replies: 23
Views: 1379

Re: Veteran Obtain Military ID

I applied for the new VA ID last year and heard nothing for about 6 months. I logged back into the website and saw that my application was still in a pending status. I then realized that in addition to my DD-214, they also wanted a copy of my honorable discharge certificate (that was not very obvio...
by Hockey10
Fri Feb 01, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: Veteran Obtain Military ID
Replies: 23
Views: 1379

Re: Veteran Obtain Military ID

I applied for the new VA ID last year and heard nothing for about 6 months. I logged back into the website and saw that my application was still in a pending status. I then realized that in addition to my DD-214, they also wanted a copy of my honorable discharge certificate (that was not very obviou...
by Hockey10
Tue Jan 22, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6598

Re: Paying thousands per ticket to attend the NFL Super Bowl?

GoldStar wrote:
Tue Jan 22, 2019 10:56 am
I plan to enjoy watching the Patriots win another Superbowl from the comfort of my own home. Don't worry - they will win - I will have my lucky shirt on this time.
Thank you for not wearing your lucky shirt last year! :D
by Hockey10
Mon Jan 21, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6598

Re: Paying thousands per ticket to attend the NFL Super Bowl?

No. My team has either not been invited to participate, or has lost 52 of the past 53 years. It is bad enough watching someone else's favorite team win on TV each year. :( At least that does not cost me anything.
by Hockey10
Sun Jan 20, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 143
Views: 8609

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

Bluffworks pants. Last year I took a pair of their Chinos and a pair of their "Originals" on a 10 day trip to Italy. I wore a pair of jeans (not Bluffworks) on the plane, and wish I had left them home. I love their zippered security pockets. The pants are lightweight and don't get many wrinkles. htt...
by Hockey10
Sat Jan 19, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring in NJ, no taxes?
Replies: 10
Views: 1100

Re: Retiring in NJ, no taxes?

But watch out for that $1 per month EZ-Pass fee from another recent thread......
by Hockey10
Sat Jan 19, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Sicily over Italian cities?
Replies: 49
Views: 3287

Re: Sicily over Italian cities?

I have been to Rome, Venice, Florence, and Sicily. I like all 4, however, I do like Sicily a bit more as there is something magical about seeing mountains immediately adjacent to the water. If you are flying into Palermo, try to get a seat on the left side of the plane as you will have a great view ...
by Hockey10
Sat Jan 19, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Bicycling trip along the French Riviera
Replies: 13
Views: 720

Re: Bicycling trip along the French Riviera

Check with Raybo, who is a Boglehead and an experienced bike tourist. I don't know if he has ridden on the French Riviera or not, but he has ridden all over Europe.
by Hockey10
Sat Jan 19, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 8141

Re: What is a Boglehead funeral/burial?

Do you qualify for any Veterans benefits? I believe you once mentioned that you served in the military. I never looked into the rules, but an Army friend of mine once told me that I qualified for a free burial at the state veterans cemetery based on my active duty service.
by Hockey10
Fri Jan 18, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: NJ EZ-Pass Why a monthly service fee?
Replies: 56
Views: 2688

Re: NJ EZ-Pass Why a monthly service fee?

Because everything in NJ is more expensive.....
by Hockey10
Tue Jan 15, 2019 12:18 pm
Forum: Personal Investments
Topic: CIT savings builder account ?
Replies: 14
Views: 1038

Re: CIT savings builder account ?

They come out with a new savings account every year. If you keep your money in the old account, the rate will not increase. Their rates are very good, but you have to keep your eyes open when they create the new account. Opening a new account and transferring money from old to new is easy on their s...
by Hockey10
Sun Jan 13, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: Preventative home & auto checks
Replies: 30
Views: 2249

Re: Preventative home & auto checks

Home water pressure check. I have a water pressure testing gauge that attaches to an outside faucet. I check the pressure every 6 months (I'm looking for about 60 PSI). Pressure regulators have a finite life (maybe 10 years), and when they fail, you get full street pressure. The street pressure whe...
by Hockey10
Fri Jan 11, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5647

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

With my 3 kids, that would have been impossible. They would have killed each other. We went to a minivan before the 3rd was born. After the oldest went away to college, we went back to an SUV (which had a 3rd row, but hard to get into).
by Hockey10
Fri Jan 11, 2019 7:14 pm
Forum: Personal Consumer Issues
Topic: USPS Tracking Information Available Soon
Replies: 16
Views: 2149

Re: USPS Tracking Information Available Soon

I have found the USPS tracking to be very limited. I recently ordered something that was shipped 11 days ago. After 7 days, the tracking page on the USPS website said that the package had just arrived in Philadelphia. Today (4 days later), the package was finally delivered to my house, which is near...
by Hockey10
Fri Jan 11, 2019 7:03 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9720

Re: Did you ever "win" big?

Yes. 40 years I met my wife, married her 38 years ago. Most who "won big" on a stock lost more on other stocks. I sold Amazon at $20 after years and years of waiting. That showed me to never invest in individual stocks again. Same as Rick with having a great wife, but he is about 8 years ahead of m...
by Hockey10
Wed Jan 09, 2019 2:37 pm
Forum: Investing - Theory, News & General
Topic: Your Vanguard Page
Replies: 32
Views: 2920

Re: Your Vanguard Page

I log in 4 times per year to Vanguard when the quarterly statements are ready.

I have all of my investments (Fidelity + Vanguard) loaded into a Morningstar portfolio that I check daily. I try to avoid logging into Vanguard or Fidelity. I don't want to be tempted to do something stupid.
by Hockey10
Mon Jan 07, 2019 5:17 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting
Replies: 15
Views: 1363

Re: Tax Loss Harvesting

I don't think that even livesoft will be able to help you out with this one. Look at the bright side, you had a very nice gain. Pay the taxes, learn from your mistake, and move on.
by Hockey10
Mon Jan 07, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Large SUV
Replies: 75
Views: 6521

Re: Large SUV

I went from the Odyssey to the Pilot many years ago. I was / have been happy with both of them. The minivan was great for carrying lots of people, but when we did not have as many living at home, we switched to the Pilot.
by Hockey10
Mon Jan 07, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Child # 3 - seeking advice from older members
Replies: 89
Views: 7357

Re: Child # 3 - seeking advice from older members

I looked at it from a different (possibly selfish) perspective. Between my parents and my wife's parents, 2 of the 4 died suddenly when my wife and I were in our early 30s. The other 2 parents needed years of care, which we provided for them while we were in our 30s and 40s. Now, they are all gone, ...
by Hockey10
Sun Jan 06, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2664

Re: Carryon for 7-day FL vacation?

To those that travel 7+ days with a carry on, do you buy your liquids upon arrival or when you run out? In a quart bag I can't carry more than a few days worth of liquids (mouthwash, shaving cream, sunscreen, toothpaste, etc.). I have gone as long as 10 days with enough liquids in my quart bag to g...
by Hockey10
Sun Jan 06, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Credit Cards - Transaction Activity
Replies: 17
Views: 2136

Re: Chase Credit Cards - Transaction Activity

If you use an aggregator such as Personal Capital, you can review the transactions as often as you want throughout the year and categorize them appropriately. I log into PC several times per week and review all of my spending transactions for multiple checking and credit card account.
by Hockey10
Sat Jan 05, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: Paying (paper) cash for daily transactions
Replies: 83
Views: 3791

Re: Paying (paper) cash for daily transactions

Relatively rarely do I use cash, except for a few specific instances: 1. The parking garage we use for hockey games only takes cash. The parking lot at the Wells Fargo Center in Philadelphia now takes credit cards. So after I get $20 charged on my card, I go in the building and see the Flyers lose ...
by Hockey10
Sat Jan 05, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2664

Re: Carryon for 7-day FL vacation?

I have used only a carry-on for multiple trips to Europe and Florida. These were all 8 - 10 day long trips. You can do it too - especially going to FL.
by Hockey10
Fri Jan 04, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 45
Views: 2387

Re: best cheap printer

I bought a Brother B/W Laser printer about a year ago at Best Buy for about $100. It is much better than the older Epson color inkjet that I had before that.
by Hockey10
Fri Jan 04, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4503

Re: Retirees: any major goals for 2019?

Sheepdog wrote:
Fri Jan 04, 2019 9:43 am
We will start our 33rd year being an Indy Colts season ticket holder.

Seems like it was just yesterday that the Colts left Baltimore in the middle of the night in their moving van....
by Hockey10
Fri Jan 04, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 90
Views: 4813

Re: 11 days in Europe...Budget and logistical advice please

I always like to plan trips based on nights (not days), such as 3 nights in city A, 4 in city B, etc... To get 3 full days in a location, you need 4 nights there. How many nights do you have in Europe? (And please don't include the night on the airplane). You said you have 11 days. Is that 11 full d...
by Hockey10
Wed Jan 02, 2019 3:04 pm
Forum: Forum Issues and Administration
Topic: Making it easier to track posts from the OP
Replies: 50
Views: 5455

Re: Making it easier to track posts from the OP

This is a nice enhancement. Having the red "Topic Author" label in the upper right corner has already made my reading easier today.
by Hockey10
Wed Jan 02, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Dual HVAC / when to replace
Replies: 10
Views: 864

Re: Dual HVAC / when to replace

Here is a similar thread that I started in March where I asked about AC replacement after 22 years. The consensus Boglehead opinion was to not proactively replace it. The AC unit made it through the summer with no problems.

viewtopic.php?f=11&t=245368
by Hockey10
Wed Jan 02, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: How long before real estate becomes stale? (Advice)
Replies: 14
Views: 1785

Re: How long before real estate becomes stale? (Advice)

I used to listen to a real estate expert on the radio in Philadelphia who always said that the worst time of the year to sell a property is between Thanksgiving and Super Bowl Sunday. So, you are right in the middle of that timeframe. Your realtor should be able to give you all the stats on things l...
by Hockey10
Tue Jan 01, 2019 11:09 am
Forum: Investing - Theory, News & General
Topic: Cramer touting CD's, MM Funds, and S&P 500 Index on Today Show!
Replies: 16
Views: 2543

Re: Cramer touting CD's, MM Funds, and S&P 500 Index on Today Show!

Cramer has always advocated for putting your first $10,000 into an S&P Index.
by Hockey10
Tue Jan 01, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Snow Plowing
Replies: 54
Views: 2542

Re: Snow Plowing

I am on the list of a landscaper to plow my driveway automatically. If it is light snow (such as 3" or less), I will shovel it myself. Otherwise I let the plow do it. The last time I shoveled it myself with about 6" of snow, my back was so sore afterwards that I could barely move (we have a fairly l...
by Hockey10
Sun Dec 30, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Tips on preventative home maintenance?
Replies: 43
Views: 4743

Re: Tips on preventative home maintenance?

If you have a sump pump, make sure it works. Our house sits near the top of the hill, so in years that have below average rainfall, it is possible to go the entire year without the sump pump ever cycling. When that happens, about once per year I dump a couple of buckets of water into the sump pump h...
by Hockey10
Fri Dec 28, 2018 5:01 pm
Forum: US Chapters
Topic: My favorite Boglehead posters
Replies: 142
Views: 8338

Re: My favorite Boglehead posters

Taylor
livesoft
Watty
Rupert
David Jay
Lady Geek
Sandtrap
Gill
by Hockey10
Fri Dec 28, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: New patio door leaks
Replies: 13
Views: 940

Re: New patio door leaks

Before the door gets fixed or replaced, try the best you can to prevent any more water from getting into the house. Maybe you can divert water away from the leaky spot. I once had a door with a very slow leak, only I did not know it at the time. One day I realized that the floor in front of the door...
by Hockey10
Sun Dec 23, 2018 2:41 pm
Forum: US Chapters
Topic: My Christmas Present To You
Replies: 108
Views: 11356

Re: My Christmas Present To You

Taylor,

This paratrooper salutes you. Merry Christmas!
by Hockey10
Sun Dec 23, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Email Accounts - How Many / Security / Best Practices
Replies: 46
Views: 3562

Re: Email Accounts - How Many / Security / Best Practices

I only have one email account. Is that ok? A lot of Bogleheads recommend a separate email account for your financial accounts. That is what I do. I consider this my secret email account as only a few financial institutions are aware of it. My wife does not even know about it, although it is listed ...
by Hockey10
Sun Dec 16, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 273
Views: 29438

Re: Fidelity as a one stop shop

I really like Fidelity. I have most of my assets there, but not all of them. I still subscribe to the theory of not putting all your eggs in one basket.
by Hockey10
Sat Dec 15, 2018 11:40 am
Forum: Personal Investments
Topic: New Boglehead. Need some help please
Replies: 20
Views: 1383

Re: New Bogglehead. Need some help please

What is a Bogglehead? :confused
by Hockey10
Fri Dec 14, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19726

Re: Favorite Purchase of 2018?

A trip to Italy for my wife and I
by Hockey10
Wed Dec 12, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Replacing a gas furnace and electric AC: when and how much?
Replies: 25
Views: 1540

Re: Replacing a gas furnace and electric AC: when and how much?

Here is a thread that I started in March where I asked about AC replacement after 22 years. The consensus Boglehead opinion was to not proactively replace it. The AC unit made it through the summer with no problems.

viewtopic.php?f=11&t=245368
by Hockey10
Wed Dec 12, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Trip to Italy
Replies: 42
Views: 2484

Re: Trip to Italy

I would not want to travel with five people. Keep in mind, when do we eat? Where? Where to go? How far will/can I walk? When do people wake up or want to go back to hotel. Times you need to be somewhere. These things every day you are there. All the little things of life, all trying to be done toge...
by Hockey10
Mon Dec 10, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 114
Views: 8950

Re: Electric bill with LED

I changed most of our bulbs over to LEDs about 18 months ago. The bar graph on my electric bill indicates that our electrical usage was lower in each of the 12 months after the change compared to that same month the year prior. I assume this decrease was due to the LEDs, as there was nothing else I ...
by Hockey10
Fri Dec 07, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Where have the turtleneck base layer shirts gone?
Replies: 13
Views: 1935

Re: Where have the turtleneck base layer shirts gone?

This might not qualify as a turtleneck, but it is a good piece of clothing as described below. I bought an Under Armor Cold Gear fitted long sleeve shirt at Dicks Sporting Goods about a month ago for $50. This is the first time I have owned anything like this, and I am ready to buy a second one. I w...