Search found 530 matches

by Hockey10
Thu Aug 22, 2019 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Prepare for Recession?
Replies: 33
Views: 2930

Re: Prepare for Recession?

As others have said, ignore the noise and stick to an asset allocation that you are comfortable with. Nobody knows when the next recession will hit, but I can guarantee you that the word recession will be mentioned in the daily news cycle every day for the next 14.5 months. Many of these prognostica...
by Hockey10
Sat Aug 17, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Uber Driving
Replies: 30
Views: 2232

Re: Uber Driving

Are you prepared to clean up the vomit from the drunken college kids who have had too many :beer :beer :beer :beer :beer :beer :beer :beer
by Hockey10
Thu Aug 15, 2019 1:03 pm
Forum: Personal Investments
Topic: Fidelity Website - slow response time
Replies: 4
Views: 441

Re: Fidelity Website - slow response time

I just checked. Everything looks normal.
by Hockey10
Wed Aug 14, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Do you "lock" computers in your home?
Replies: 77
Views: 5220

Re: Do you "lock" computers in your home?

Not only do I lock my MacBook when not using, I also have a hiding spot where I place it when I am not home.
by Hockey10
Sat Aug 10, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: Overflowing/leaking gutters
Replies: 18
Views: 1163

Re: Overflowing/leaking gutters

There is a downspout, but the overflow is only in this area. The rest of the gutter that leads to the downspout is not overflowing, so I don't think the downspout is clogged. But it may be that the slope is inadequate. This sounds like the same exact problem I have. My problem is not a clog, as I h...
by Hockey10
Fri Aug 09, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 8744

Re: Critique my exercise routine because it's not working for me

As others have said, it is mostly about the diet. I used to play ice hockey for about 1.5 hours and then buy a dozen donuts on the way home from the rink. I never lost weight doing that. Since I started being conscious of what I eat, I lost a lot of weight and went from a 38 waist to a 34. The bigge...
by Hockey10
Thu Aug 08, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Amazon delivery
Replies: 17
Views: 1606

Re: Amazon delivery

Almost everything I order from Amazon gets delivered in 1 day. Then again, I live in one of the largest metro areas in the country. I know someone in the middle of nowhere on the Eastern Shore of MD who has to wait 3-4 days for most deliveries.
by Hockey10
Thu Aug 08, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Air Italy WWW site and booked ticket problems
Replies: 4
Views: 307

Re: Air Italy WWW site and booked ticket problems

Since there is a 6 hour time difference between Italy and the US east coast, maybe try calling tomorrow morning at 0300 when it is 0900 Italy time. If you are on the west coast, just stay up late tonight and call at midnight your time. Try Google Translate to find the appropriate words to use in Ita...
by Hockey10
Thu Aug 08, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle this K1 situation please ..
Replies: 4
Views: 536

Re: How to handle this K1 situation please ..

adamthesmythe wrote:
Thu Aug 08, 2019 10:43 am

I had a K1 investment once and I'm glad it's gone.
Same here. Due to the annual lateness of the K-1 and the complexity that it added to the tax return, I sold the investment I had that generated a K-1.
by Hockey10
Thu Aug 08, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: First time home insurance claim, help appreciated
Replies: 9
Views: 806

Re: First time home insurance claim, help appreciated

This sounds similar to a situation we had a few years ago. A first floor toilet leaked due to a broken plastic nut that connects the water supply line to the toilet. The first floor bath, part of the hallway, and parts of the basement had water damage. We were home at the time, which was fortunate. ...
by Hockey10
Thu Aug 08, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Vacation spots, Christmastime, Eastern/Southern US, Caribbean
Replies: 18
Views: 581

Re: Vacation spots, Christmastime, Eastern/Southern US, Caribbean

Wait for one of the Florida experts to respond, but I believe during that time of year the only warm water in the Southeastern US will be found in the Keys. But, there are few beaches in the Keys. There is one in Marathon.
by Hockey10
Wed Aug 07, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Increase in Income...do I need a "tax guy"?
Replies: 12
Views: 1226

Re: Increase in Income...do I need a "tax guy"?

Stick with TurboTax. If you get stuck on something when doing your taxes, post your question here and livesoft will point you to the appropriate IRS publication that will answer your question.
by Hockey10
Wed Aug 07, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Soil erosion, rain runoff— major concern or no?
Replies: 17
Views: 1264

Re: Soil erosion, rain runoff— major concern or no?

If the area has a lot of trees and a hill, you will have a difficult time growing grass due to the shade and water runoff. If the water problem does not impact the house and you are ok with having a less than ideal backyard, go ahead and buy the house. I like having a nice backyard with a lot of gra...
by Hockey10
Tue Aug 06, 2019 4:01 pm
Forum: Personal Investments
Topic: ITOT for taxable brokerage account at Fidelity?
Replies: 15
Views: 1263

Re: ITOT for taxable brokerage account at Fidelity?

jhfenton wrote:
Tue Aug 06, 2019 3:55 pm
ITOT would absolutely be my choice for a total US market fund in taxable at Fidelity.
Same here. That is the one I use for my Fidelity account.
by Hockey10
Tue Aug 06, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Oh geeze. How should I pay for this? Walk me off the ledge
Replies: 52
Views: 6304

Re: Oh geeze. How should I pay for this? Walk me off the ledge

If the $6,000 emergency fund is the only liquid asset you have, use option 3. If you have other investments beyond the $6,000 that can be tapped into, use option 2.

p.s. if you think this event is expensive, just wait for the costs to add up over the next several decades for your child
by Hockey10
Tue Aug 06, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: How to deal with rainy weather on Ireland trip
Replies: 21
Views: 996

Re: How to deal with rainy weather on Ireland trip

Try the Ecco Track II or Track 25. Yes they are expensive, but are very comfortable and waterproof.
by Hockey10
Mon Aug 05, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Appealing property tax assessment
Replies: 19
Views: 1322

Re: Appealing property tax assessment

This process will vary greatly by county, so spend a lot of time understanding the specific rules for doing an appeal. The one time I did this, the county had a window for when comparable sales had to take place to be used in the appeal. I think it was something like sales in the year ending 9/30 fo...
by Hockey10
Mon Aug 05, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Putting my wallet on a diet
Replies: 17
Views: 1787

Re: Putting my wallet on a diet

I use Apple Pay with my Iphone whenever I can instead of pulling my credit card out of my wallet. A few times I have encountered a gas pump where the signal from the phone is not read by the reader, so I have to use the card, but more often than not Apple Pay works. If we ever got to the point where...
by Hockey10
Sat Aug 03, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Potential first home buyer (rent vs buy)
Replies: 14
Views: 825

Re: Advice Needed: Potential first home buyer (rent vs buy)

Here is my experience from when I was only a few years older than the OP. My first house was a triplex where I lived in one unit with a roommate. I bought it when I was in my 20s. My housing costs were minimal as the rent from the other 2 units and the rent from my roommate covered just about everyt...
by Hockey10
Sat Aug 03, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: How can I get a good room when I check into a hotel I booked online?
Replies: 30
Views: 2985

Re: How can I get a good room when I check into a hotel I booked online?

In the comments / special requests section of the reservation page, I always ask for a quiet room on the top floor away from the elevator. Some of the noisiest rooms I have stayed in were when I was not on the top floor and the room above had kids using it as a playground, hence my request for the t...
by Hockey10
Fri Aug 02, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: USAA suspects credit card may have been compromised
Replies: 17
Views: 1420

Re: USAA suspects credit card may have been compromised

Hello, I got a message today from USAA that they suspect one of my credit cards (USAA Rate Advantage Visa Platinum® Card) may have been compromised. They are sending me a new card. The odd thing is this particular card I seldom use (unlike my Limitless Visa) nor do I have a recurring charge set up ...
by Hockey10
Wed Jul 31, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Does the cost of children actually go down once the daycare comes off the books?
Replies: 35
Views: 1817

Re: Does the cost of children actually go down once the daycare comes off the books?

willthrill81 wrote:
Wed Jul 31, 2019 2:35 pm

Two words: travel sports.
Two more words: car accidents. :annoyed :x :shock: :oops:
by Hockey10
Tue Jul 30, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Storing documents--- trust, will, etc.
Replies: 22
Views: 1918

Re: Storing documents--- trust, will, etc.

I keep original legal documents in the safe deposit box. My wife and adult son have access to the box. Copies are kept in the house. I have a very detailed letter of instruction that I update about twice per year that is kept in the box and at home. Taylor has a very detailed list here: https://www....
by Hockey10
Wed Jul 24, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Oil to natural gas conversion anyone?
Replies: 43
Views: 1987

Re: Oil to natural gas conversion anyone?

I have been a homeowner for over 30 years and have done countless home improvement projects. Converting from oil to natural gas was the single best project. I did this about 8 years ago and this cut my heating bill by 50%. I just wish I had done it sooner.
by Hockey10
Wed Jul 24, 2019 8:31 am
Forum: Personal Investments
Topic: Who has the best (easiest) Donor Advised Fund
Replies: 57
Views: 2713

Re: Who has the best (easiest) Donor Advised Fund

I can only speak to the Fidelity DAF. $5,000 minimum to open and very easy to use. I can't think of anything that would make it easier.
by Hockey10
Tue Jul 23, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Share your moving from HCOL to LCOL stories
Replies: 36
Views: 3648

Re: Share your moving from HCOL to LCOL stories

I once moved from the Philly area to the Boston area. The one thing that stuck out to me was that our auto insurance cost doubled. This was for the same 2 drivers with the same 2 cars and same insurance company. In both locations, the cars were garaged in homes in safe suburban neighborhoods. Everyt...
by Hockey10
Tue Jul 23, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Business loan to relative
Replies: 33
Views: 1426

Re: Business loan to relative

Don't walk away from this situation, run away from it. A qualified borrower can get a loan from a bank. An unqualified borrower will ask a family member.
by Hockey10
Mon Jul 22, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 183
Views: 27312

Re: Don't pay full price for SiriusXM radio

Sirius XM has become more valuable to me over the past couple weeks... The web/app version became included in the subscription for free. So now I've got Sirius XM at home on my Alexa's and at work, w/headphones while exercising, etc. I feel this was a good move on their part. +1 I discovered the Si...
by Hockey10
Mon Jul 22, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Digitize VCR to computer
Replies: 8
Views: 640

Re: Digitize VCR to computer

I used Legacy Box. It worked very well.
by Hockey10
Mon Jul 22, 2019 11:47 am
Forum: Investing - Theory, News & General
Topic: Changes to Morningstar Website?
Replies: 141
Views: 8743

Re: Changes to Morningstar Website?

I am a long time M* premium customer, and this may be the last straw for me. I have always found their website clunky (with sporadic technical problems), but now I can't even log into my Portfolio Manager page. I click on the "Sign-in" button, and it says I am already signed in. :oops: I have had se...
by Hockey10
Mon Jul 22, 2019 8:28 am
Forum: Personal Consumer Issues
Topic: **Most Cost, Time Effective Way to Repair Yard after Septic Repair? (with pictures)
Replies: 27
Views: 1570

Re: **Most Cost, Time Effective Way to Repair Yard after Septic Repair? (with pictures)

I once put down some topsoil and seed in my yard during the summer. Within 48 hours, a thunderstorm ruined it. :oops:

Wait until September.
by Hockey10
Sat Jul 20, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Apollo 11 (In Real Time)
Replies: 62
Views: 4883

Re: Apollo 11 (In Real Time)

We visited Cape Canaveral earlier this year. Part of the tour includes sitting in bleachers above the control room while watching the Saturn 5 liftoff on 3 large TV screens. This was a very impressive sight.
by Hockey10
Sat Jul 20, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should relative incomes be a factor in wedding gift?
Replies: 107
Views: 6533

Re: Should relative incomes be a factor in wedding gift?

Today would have been our 40th wedding anniversary. We had a very small but deeply meaningful wedding (just immediate families and three close friends.) No cash gifts, but just simple meaningful ones from the heart. I cherish and still use the beautiful wooden salad bowl that our best man gave us t...
by Hockey10
Thu Jul 18, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding which state to file taxes
Replies: 9
Views: 493

Re: Understanding which state to file taxes

Be sure to understand the VA rules for state tax residency and how to declare yourself as the resident of a new state. I have seen several stories in the news about how the state of NY has a large audit department that looks at people who claim to no longer be residents of NY. These former residents...
by Hockey10
Thu Jul 18, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: Garage Organization
Replies: 57
Views: 4235

Re: Garage Organization

I installed a 1x4 horizontally on the wall. This provides a good surface for putting in nails, screws, or hooks. I also bought a box of miscellaneous hooks from Home Depot, a steel shelf that goes in the corner for small items, and a couple of large plastic bins for sports equipment. Once you have t...
by Hockey10
Mon Jul 15, 2019 8:17 am
Forum: Personal Consumer Issues
Topic: Activity tracking- Fitbit charge versus Apple Watch 3
Replies: 7
Views: 550

Re: Activity tracking- Fitbit charge versus Apple Watch 3

I also have the Charge 2. I look at the Apple Watch every year when the new model comes out. So far, I have not purchased the Apple Watch due to the battery charge. My Fitbit only requires charging about once every 6 days. When Apple figures out how to make the battery last longer, I will probably b...
by Hockey10
Sat Jul 13, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: How do I figure out what offer to make on a condo?
Replies: 19
Views: 1584

Re: How do I figure out what offer to make on a condo?

Make an offer at the listing price + a used Honda CRV. Maybe you can kill 2 birds with one stone....
by Hockey10
Sat Jul 13, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 40
Views: 2701

Re: Standard Car Key Battery Life for Late Model Vehicles

My Honda key batteries seem to last about 4-5 years
by Hockey10
Sat Jul 13, 2019 5:49 pm
Forum: Personal Consumer Issues
Topic: Car Rental in Europe--specifically Sicily
Replies: 27
Views: 1363

Re: Car Rental in Europe--specifically Sicily

FireProof wrote:
Sat Jul 13, 2019 5:34 pm
Tricking someone is seen as a sign of superior intelligence, rather than a moral failing. Scams are common
Sounds like you know some of my in-laws.....
by Hockey10
Sat Jul 13, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: Car Rental in Europe--specifically Sicily
Replies: 27
Views: 1363

Re: Car Rental in Europe--specifically Sicily

Because Sicily has narrow streets and apparently crazy driving I have been to Sicily many times and I would agree that the drivers (especially in Palermo) are crazy. There are no rules. Stop signs and yield signs mean nothing. Strangely enough however, I have only seen 1 accident, and that was betw...
by Hockey10
Tue Jul 02, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Keep garage 'cooler' during summer
Replies: 31
Views: 3548

Re: Keep garage 'cooler' during summer

When you arrive home on a hot day, park the car on the driveway for several hours until the car cools off. Parking a car with a hot engine in an already hot garage will only make the heat worse.
by Hockey10
Tue Jul 02, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: how do couples work together on home finance
Replies: 60
Views: 4672

Re: how do couples work together on home finance

Married 33 years. DW has zero interest in finance, budgeting, any of that. I have all the bills on auto pay and we talk only about big upcoming purchases. If we don't agree on a big purchase, we don't make it. We have no reason to "sit down" to talk about any of this. You may be different. Does you...
by Hockey10
Sun Jun 30, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: What's tripping the trap now?
Replies: 12
Views: 1706

Re: What's tripping the trap now?

If my wife saw a rat in the yard, she would want to put the house up for sale. :shock:
by Hockey10
Sat Jun 29, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: Indoor fly traps - what do Bogleheads recommend?
Replies: 24
Views: 1241

Re: Indoor fly traps - what do Bogleheads recommend?

Angst wrote:
Fri Jun 28, 2019 11:44 pm
Am I the only one who doesn't really care about the fruit flies? It happens every summer. Not a big deal to me.
They don't bother me, but my wife freaks out at the sight of just one.

Lots of great tips here from everyone. Thanks for the help.
by Hockey10
Fri Jun 28, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Indoor fly traps - what do Bogleheads recommend?
Replies: 24
Views: 1241

Indoor fly traps - what do Bogleheads recommend?

We have a handful of small flies in our house this week. I think they may be fruit flies, but I am not sure. They are small and elusive, so using an old fashioned fly swatter is not a good option. They seem to spend most of their time in the kitchen, as they have discovered that my wife is a very go...
by Hockey10
Fri Jun 28, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Perspective on Company Layoffs
Replies: 27
Views: 2808

Re: Perspective on Company Layoffs

This ship is sinking. Assume the worst will happen in short order and plan accordingly. If not done so yet, update resume immediately and start looking.
by Hockey10
Fri Jun 28, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: Trex decking or alternatives?
Replies: 44
Views: 3625

Re: Trex decking or alternatives?

We used Timbertech to replace our wood deck 10 years ago. Timbertech has held up well. The only maintenance I do is to power wash it every May. I hated the never ending maintenance on the old wooden deck.
by Hockey10
Tue Jun 25, 2019 8:07 am
Forum: Personal Investments
Topic: Donate stock
Replies: 13
Views: 839

Re: Donate stock

Just open a Donor Advised Fund at Fidelity and donate at least $5,000 of appreciated stock to the Fidelity account. Fidelity will immediately sell the stock and you then direct them to donate whatever amount of cash you want to give to the charity.
by Hockey10
Tue Jun 25, 2019 8:02 am
Forum: Personal Consumer Issues
Topic: Facebook reading our minds?
Replies: 37
Views: 3540

Re: Facebook reading our minds?

Assume that everything you do on Facebook is being sold to third parties. This includes your contact info, your contact list, photos, comments, articles you link to, etc....