Search found 586 matches

by Hockey10
Sat Nov 16, 2019 9:03 am
Forum: Personal Investments
Topic: Questions about Fidelity Charitable DAF
Replies: 34
Views: 1852

Re: Questions about Fidelity Charitable DAF

Who actually writes a donation check from DAF? Does DAF give you a check book? If DAF issues a donation check directly, how does it know the recipient is an eligible charitable organization? I can only speak for the Fidelity DAF. They do not give you a checkbook. You go into their website and find ...
by Hockey10
Fri Nov 15, 2019 5:04 pm
Forum: Personal Investments
Topic: I need to rebalance, but hate paying capital gains tax.
Replies: 38
Views: 2635

Re: I need to rebalance, but hate paying capital gains tax.

Gift some stock to Pebbles and Bam-Bam.
by Hockey10
Tue Nov 12, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: Experience/cost MLB spring training?
Replies: 29
Views: 1694

Re: Experience/cost MLB spring training?

Sitting in the Florida sun watching a game is very relaxing when you think about your friends back home who are dealing with temps that are 50+ degrees colder.
by Hockey10
Tue Nov 12, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Organization supporting Veterans - Donation
Replies: 19
Views: 780

Re: Organization supporting Veterans - Donation

A friend of mine was killed in Afghanistan. The Tunnel to Towers Foundation has been a great help to his wife and children. Charity Navigator has Tunnel to Towers as very highly rated.

https://tunnel2towers.org/

https://www.charitynavigator.org/
by Hockey10
Sun Nov 10, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Fruit Fly Problem
Replies: 24
Views: 2420

Re: Fruit Fly Problem

Here is a similar question that I posted earlier this year.

viewtopic.php?f=11&t=284424&hilit=fly
by Hockey10
Sun Nov 10, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: What is this sound in the house?
Replies: 28
Views: 3205

Re: What is this sound in the house?

OP, the Boglehead expert on house noises is Cody, from Stillwater, MN. Suggest you reach out to him for his advice. (See the post above from LadyGeek from 2010). Good luck.
by Hockey10
Sat Nov 09, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 152
Views: 53764

Re: WSJ Digital Subscription - a bargain!

FYI - WSJ online version is free from Nov 9 - 11.
by Hockey10
Wed Oct 30, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10593

Re: Apple Pay. Does anyone use it?

After reading this post, I set up Apple Pay on my watch. This morning I tried using it at a gas station but it doesn't appear to take it. Shouldn't gas stations be the first to take NFC payments because of all the card skimming? If you tried it at the pump, did the pump actually have an RFID reader...
by Hockey10
Wed Oct 30, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10593

Re: Apple Pay. Does anyone use it?

Do credit card processors get all the necessary information to properly assign CC rewards when the consumer uses Apple Wallet? I've always been under the impression that this information was not passed through so there was a chance the consumer would loose out on some CC rewards for categories rewa...
by Hockey10
Wed Oct 30, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10593

Re: Apple Pay. Does anyone use it?

cusetownusa wrote:
Tue Oct 29, 2019 7:34 pm
minimalistmarc wrote:
Tue Oct 29, 2019 6:42 pm
I use Apple Pay for everything but don’t have an Apple credit card
Me too
Same here. My wallet is always stored in a back pocket with a button or a zipper, so it is easier to pull out my phone from my front pocket and pay with Apple Pay.
by Hockey10
Tue Oct 29, 2019 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Property tax went up how does it affect my mortgage
Replies: 12
Views: 920

Re: Property tax went up how does it affect my mortgage

Your bank should automatically adjust the amount due on your monthly mortgage statement. If this does not happen or you still have questions, just call the bank.
by Hockey10
Mon Oct 28, 2019 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Hotel "incidentals" credit card precharge?
Replies: 24
Views: 1701

Re: Hotel "incidentals" credit card precharge?

I am a "roadwarrior" across North America and spread my stays almost exclusively among three major hotel families/programs: Hilton Honors, IHG (Holiday Inns, etc), and Bonvoy (Marriott/SPG). This incidentals pre-charge, which floats on my credit card as "pending" until check-out, is very standard p...
by Hockey10
Mon Oct 28, 2019 7:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard advertising
Replies: 14
Views: 1327

Re: Vanguard advertising

I have noticed more Vanguard ads on the internet recently.
by Hockey10
Fri Oct 25, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: Does the Average Homeowner Need a Water Shut Off Valve?
Replies: 56
Views: 5461

Re: Does the Average Homeowner Need a Water Shut Off Valve?

We had a leak on the 1st floor that ran for about 5-10 minutes and caused $14,000 of damage. The culprit was the plastic nut that connects the water supply line to a toilet. :mad: :shock: I have thought about getting one of the automatic shut off valves, but have not done so yet. In the meantime, I ...
by Hockey10
Fri Oct 25, 2019 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Who does your tax returns?
Replies: 103
Views: 5182

Re: Who does your tax returns?

I use TurboTax, plus I read all of the tax questions posted on Bogleheads. You can learn a lot from livesoft.....
by Hockey10
Wed Oct 23, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: Home Depot and Lowe's product reviews
Replies: 16
Views: 1868

Re: Home Depot and Lowe's product reviews

SrGrumpy wrote:
Tue Oct 22, 2019 4:11 pm
But I'm trying to buy a simple garden hose, and analyzing the online reviews is so tortuous that I have given up.
Just read the Bogleheads garden hose recommendations (this is 3 years old, but might still be applicable):

viewtopic.php?t=191522
by Hockey10
Wed Oct 23, 2019 12:18 pm
Forum: Personal Investments
Topic: RMD's For Multiple Types of Accounts
Replies: 10
Views: 1044

Re: RMD's For Multiple Types of Accounts

Also pay attention to the status of the Secure Act, which would raise the RMD age to 72. It made it through the House earlier this year, but I have not heard any news on it from the Senate. (I know we are not supposed to discuss proposed legislation here but this already made it through the House th...
by Hockey10
Mon Oct 21, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Question about Verizon Travel Pass with Iphone 6s
Replies: 11
Views: 854

Re: Question about Verizon Travel Pass with Iphone 6s

I don't know the answer to your exact question, but if you are not going to be making calls and are not concerned about missing any incoming calls, why not just turn off both. Also, I have used the $10 per day Verizon plan on several trips to Europe. It works exactly as the CSR has described. I actu...
by Hockey10
Sun Oct 20, 2019 10:10 am
Forum: Investing - Theory, News & General
Topic: what was vanguard like before the internet?
Replies: 74
Views: 7311

Re: what was vanguard like before the internet?

I remember the ads for Vanguard in publications such as the WSJ, Money, Forbes, Fortune, and Business Week. I also remember mailing a check for $2,000 to my Vanguard IRA account each year starting in the early 1980s. I don't remember ever calling Vanguard in those days. Everything was done by snail ...
by Hockey10
Sat Oct 19, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: For those who are FI: At what point did you begin to relax?
Replies: 76
Views: 10184

Re: For those who are FI: At what point did you begin to relax?

I began to relax the day I drove home from Megacorp for the final time.
by Hockey10
Wed Oct 16, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6322

Re: car battery change or not? 2 year old battery

I once took my 2 year old Honda to the dealer for service. I received a call that morning from the service department saying that my battery was bad and needed to be replaced. I commented that this should be covered under the warranty. The service guy said yes and they would be putting in a new one ...
by Hockey10
Mon Oct 14, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4112
Views: 1173612

Re: What Book Are You Currently Reading? Part VI

I started reading The British Are Coming, by Rick Atkinson. Just as Atkinson wrote a WWII trilogy, this new book is the first in a three part series on the Revolutionary War. I have made it in the book to April 19, 1775. Paul Revere just completed his ride to Lexington.
by Hockey10
Sun Oct 13, 2019 11:53 am
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 88
Views: 13790

Re: Chase $750 for depositing 75K

I saw the $1,000 offer when I logged into my Chase credit card account today. I am trying to simplify my financial life, but this offer is tempting. For those that take the offer, I would expect that you will receive a 1099 during the tax season.
by Hockey10
Sat Oct 12, 2019 7:24 am
Forum: Personal Investments
Topic: Retirees, when did you start really planning your retirement?
Replies: 53
Views: 5023

Re: Retirees, when did you start really planning your retirement?

I started at age 22 when I opened a Vanguard IRA account.
by Hockey10
Wed Oct 09, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital website?
Replies: 26
Views: 2371

Re: Personal Capital website?

I use PC for expense tracking and to discover any fraudulent activity in my accounts. I have 4 credit cards and 2 checking accounts (with small balances) in PC. I refresh it 5-6 times per week. If there is any fraud on my accounts, I would catch it within 1-2 days of it taking place. I used to have ...
by Hockey10
Wed Oct 09, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: lastpass noob question
Replies: 40
Views: 3179

Re: lastpass noob question

I stay logged out of the LastPass browser extension on my computer almost all of the time and only log in when I need access to a specific site. When I no longer need any LastPass passwords, I immediately log out of the LP browser extension. I also sometimes log into a site by looking up the passwor...
by Hockey10
Wed Oct 09, 2019 1:03 pm
Forum: Personal Investments
Topic: Does transferring taxable account have bad tax consequences.
Replies: 22
Views: 1105

Re: Does transferring taxable account have bad tax consequences.

It depends on how large your gain is in the Vanguard account. For example, If you have a $1,000 long term gain, the tax impact is minimal. If you have a $100,000 short term gain, there will be a major impact on your taxes.
by Hockey10
Wed Oct 09, 2019 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma buying a new house
Replies: 31
Views: 2655

Re: Dilemma buying a new house

Have you signed the contract to build the new house yet? Your original post was not clear on this. In my non-professional opinion, November may be the worst month of the year to list a house for sale. The real estate market is very slow between Thanksgiving and Super Bowl Sunday. Very few buyers are...
by Hockey10
Sun Oct 06, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: Document Storage: what format? (paper, fiche, scan,..?)
Replies: 43
Views: 3770

Re: Document Storage: what format? (paper, fiche, scan,..?)

I recently started scanning some documents that I want to keep forever using a ScanSnap scanner. I am storing them on DropBox. The original gets shredded.
by Hockey10
Sat Oct 05, 2019 8:14 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15910

Re: How many are switching from Fidelity?

The majority of my financial assets are at Fidelity. They have been a pleasure to work with over many years. I don't care if they never drop their fees, as I have only a few trades per year. The hassle of switching far outweighs the benefit of saving a few $ in commission expense.
by Hockey10
Fri Oct 04, 2019 4:53 pm
Forum: Personal Investments
Topic: 100% Stock too Aggressive in 401k Plan?
Replies: 40
Views: 2505

Re: 100% Stock too Aggressive in 401k Plan?

I was 100% stock from your age until I was in my early 50s. There were many market crashes during that time (1987, 2000, 2008 for example). But, in the long run, the market always recovered. Stay the course at 100% stock and contribute as much as you can with each paycheck. The market could crash ag...
by Hockey10
Sun Sep 15, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Advice on southern Italy trip November
Replies: 16
Views: 1322

Re: Advice on southern Italy trip November

When you are in Palermo, drive up to the top of Monte Pellegrino. There is a beautiful view from the top of the mountain overlooking the bay in Palermo. It is very peaceful and tranquil, something that you won't get in the city of Palermo itself.
by Hockey10
Wed Sep 11, 2019 4:01 pm
Forum: Investing - Theory, News & General
Topic: Day Trading for a Living?
Replies: 44
Views: 4114

Re: Day Trading for a Living?

I am shocked :shock: shocked :shock: that day traders lose money. Who would have thought?
by Hockey10
Tue Sep 10, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Beach City / Town in Florida
Replies: 64
Views: 7511

Re: Beach City / Town in Florida

You’re stretching the “snowbird season” a bit. September is the quietest month of the year in Florida. Winter residents begin returning in mid October and the is a dramatic drop off April 1st. Peak season is February and March. Gill This coincides almost perfectly with the Major League baseball cal...
by Hockey10
Mon Sep 09, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: Lawn mower battery Gobi modell
Replies: 3
Views: 308

Re: Lawn mower battery Gobi modell

Here is a recent thread:

viewtopic.php?t=288463
by Hockey10
Sun Sep 08, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: The most annoying thing about other drivers
Replies: 8
Views: 773

Re: The most annoying thing about other drivers

What in this post is actionable?
by Hockey10
Fri Sep 06, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: A bike tour from Bolzano to Vienna (update: photos added)
Replies: 17
Views: 1598

Re: A bike tour from Bolzano to Vienna (3rd and final report added)

Raybo - let us know when you post photos on your website, as they are always a great way to see parts of Europe.
by Hockey10
Thu Sep 05, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Waze gives wrong directions;now gmaps too; any others I can use?
Replies: 33
Views: 3420

Re: Waze gives wrong directions;now gmaps too; any others I can use?

I have been using Waze for several years and don't recall any problems. Plus, the roadkill alerts are very accurate.
by Hockey10
Thu Sep 05, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: How often do you receive out-of-sequence pay bumps?
Replies: 56
Views: 3369

Re: How often do you receive out-of-sequence pay bumps?

Twice I received an out of sequence pay bump, and once I received a retention bonus equal to 25% of my salary. In all cases the economy was strong and it was a difficult time to find new (good) employees. The retention bonus was driven by a direct competitor opening up an office about a mile away. T...
by Hockey10
Wed Sep 04, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: Italy in September
Replies: 35
Views: 2397

Re: Italy in September

If you are going in Sep 2020, you have plenty of time to figure this out. Like the previous answer stated, get a good guide book and read it cover to cover. If you are going in Sept 2019, you need to spend quality time asap on this. Spend a lot of time on the Rick Steves Italy forum and the Trip Adv...
by Hockey10
Tue Sep 03, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Water alarm just saved me a lot of $$$. Do you have them?
Replies: 62
Views: 6860

Re: Water alarm just saved me a lot of $$$. Do you have them?

We had a leak a few years ago that caused $14,000 of damage. :shock: :annoyed :( :x I have the Zircon battery alarms all over the house now. When we are gone overnight I always shut off the water main and hot water heater. I am thinking about getting one of the devices that shuts off the water main ...
by Hockey10
Mon Sep 02, 2019 11:25 am
Forum: Personal Investments
Topic: Learnings/Regrets from last two recessions
Replies: 91
Views: 12494

Re: Learnings/Regrets from last two recessions

In both recessions I was busy working, raising 3 kids, and dealing with the death of a parent. My investments were set on automatic pilot to invest with each paycheck. I barely noticed either recession since I had a very safe job and had way too many things going on at home at the time.
by Hockey10
Mon Sep 02, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Not gaining weight on vacation?
Replies: 115
Views: 5974

Re: Not gaining weight on vacation?

I have a target weight that I maintain year round. Prior to a vacation, I try to lose a few pounds, so that I won't feel guilty at the all you can eat hotel breakfast buffet. When I get home, I am usually no more than 1 or 2 pounds over my target weight.
by Hockey10
Sat Aug 31, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Opening New Savings Account - Citi (2.36%) vs CIT (2.30%)?
Replies: 25
Views: 3100

Re: Opening New Savings Account - Citi (2.36%) vs CIT (2.30%)?

I have had an account at CIT for several years. Their rates are very good. However, about once a year or so, in order to get the best rate, you have to open a new type of account with them. The process is not difficult and you can fund the new account by moving your money from the old account on the...
by Hockey10
Fri Aug 30, 2019 1:15 pm
Forum: Personal Investments
Topic: Warren buffet sits on cash
Replies: 44
Views: 5356

Re: Warren buffet sits on cash

Buffet would say that with $122B of cash on hand that he sleeps very well at night.
by Hockey10
Fri Aug 30, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: Planning a Europe trip in Dec 2019 last week. Need advice
Replies: 27
Views: 1741

Re: Planning a Europe trip in Dec 2019 last week. Need advice

That time of the year I would definitely go south of the Alps.
by Hockey10
Fri Aug 30, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Giving the DMV my SS # - safe?
Replies: 24
Views: 2060

Re: Giving the DMV my SS # - safe?

I recall that in the '80s Virginia driver's licenses had the SSN printed right on the license... And I remember when some universities used social security number for student number. Similarly, I was rummaging around in my basement last week and ran across my old (circa late 60s-early 70s) U.S. Arm...
by Hockey10
Fri Aug 30, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: Mouse invasion!
Replies: 68
Views: 4274

Re: Mouse invasion!

Our house has way too many holes to seal unless I do a full down to the studs reno. True with most. I sealed as much as I could. Mice still get in. They really don't need much room. I found a black snake the diameter of my index finger in the attic one year. They find a way. I used to catch about 4...
by Hockey10
Fri Aug 30, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Laser or inkjet
Replies: 58
Views: 3474

Re: Laser or inkjet

See this thread from a few days ago:

viewtopic.php?f=11&t=289200