Search found 313 matches

by Hockey10
Tue Nov 13, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 16
Views: 960

Re: Global Entry Turnaround Time ?

I applied about a year ago and from start to finish it was about 3 weeks. About 2 weeks of that time was for scheduling the interview at the Philadelphia airport at a time convenient for me. I think the card arrived in the mail about a week after the in person interview. I used Global Entry for the ...
by Hockey10
Mon Oct 29, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Sell land at a loss or keep?
Replies: 38
Views: 2873

Re: Sell land at a loss or keep?

I would sell it. Be sure to ask the adjacent landowners if they are interested in buying it. This is great advice from Watty. I once sold a piece of vacant land by knocking on the door of the next door neighbor. I was very fortunate to get a fair price on a 10 year long bad investment. I lost money...
by Hockey10
Mon Oct 29, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Painting fireplace; what to do with hearth?
Replies: 18
Views: 1141

Re: Painting fireplace; what to do with hearth?

We had a fireplace that was stone and roughly the same color as your brick. It was hideous. We painted the stone red. That made it even more hideous. :oops: After a couple of years, I paid a mason to remove the stones and put in a red brick fireplace. Now it looks great. :happy
by Hockey10
Mon Oct 29, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Shopping strategy?
Replies: 9
Views: 782

Re: Shopping strategy?

I would rather pay 5% more and not have to go through the hassle of returning something to a store. My wife takes the opposite approach - she seems to actually enjoy going though the returns process. :?
by Hockey10
Thu Oct 25, 2018 4:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Who/what made the helpful culture of Bogleheads?
Replies: 29
Views: 1904

Re: Who/what made the helpful culture of Bogleheads?

I am a relative newcomer here, so I can only speak to what I have seen in the past 2 years.

1. Strict rules on what you can't discuss here, specifically politics.
2. Moderators (especially Lady Geek) who enforce the rules.
3. Many people who seem to enjoy helping others.
by Hockey10
Sun Oct 21, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: No power in half the house
Replies: 17
Views: 1668

Re: No power in half the house

We once had a similar problem, but it was intermittent - somedays there were no problems while on others, power would go out in about 1/3 of the house, then come back on as mysteriously as it went out. I had an electrician install a new breaker box. A few days later, the problem came back. This time...
by Hockey10
Sun Oct 21, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: New Home Buying Docs
Replies: 2
Views: 267

Re: New Home Buying Docs

I keep a hard copy of everything in a file folder. I put the original deed and title insurance policy in a safe deposit box.
by Hockey10
Sat Oct 06, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Income (US vs Europe)
Replies: 55
Views: 3773

Re: Income (US vs Europe)

Some of the frequent posters here are very well off in terms of assets. In many cases, this is from 30+ years of patient, disciplined investing, while earning an average salary. Some of the newbies asking questions also are very well off in terms of income. I suspect quite a few of the questions are...
by Hockey10
Sat Oct 06, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4613

Re: Should I, and how, act on changes in managing diet and health?

Tomato, for every person like yourself who has become very disciplined in their eating habits, there are many more who are currently sitting in the drive-thru line at McDonalds. America has an obesity epidemic, and I don't see it changing anytime soon. There will always be some, like yourself, who t...
by Hockey10
Tue Sep 25, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Smile Direct Club experiences?
Replies: 2
Views: 396

Re: Smile Direct Club experiences?

In before the lock.... I know two adults that have done this recently. They have both completed the process and have been very satisfied. As I recall the cost was about $1900. You go into the office for the initial scan, then a box full of aligners arrives in the mail a few weeks later. They also gi...
by Hockey10
Fri Sep 21, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: Chase You Invest, is low cost the new default?
Replies: 13
Views: 1758

Re: Chase You Invest, is low cost the new default?

Chase has a lot of products - credit cards, mortgages, checking accounts, auto loans, brokerage, etc.....Once they get you in their ecosystem for one product, they will want to cross-sell you other products so that you become a sticky customer. I only have their credit cards, and have been very plea...
by Hockey10
Fri Sep 21, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Home away from home
Replies: 20
Views: 2239

Re: Home away from home

i find that keeping myself full of healthy food is the biggest challenge on the road. if i don't have the sort of food i'm used to, i just don't feel good. stay in a residence inn or some other property with a full kitchen. full size fridge and an oven. pick a location near a good grocery store, pr...
by Hockey10
Fri Sep 21, 2018 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: CIT vs. ALLY vs. 360
Replies: 14
Views: 1878

Re: CIT vs. ALLY vs. 360

I have had a CIT savings account for about 6 years. I also have had an Ally savings account for many years. Up until recently, CIT had a very clunky web site that was frustrating to use. But, they recently upgraded the site and it is now much better. Back in the days when their website was terrible,...
by Hockey10
Fri Sep 21, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: Is there any active forums/BBS grouping up non-Bogleheads?
Replies: 17
Views: 1873

Re: Is there any active forums/BBS grouping up non-Bogleheads?

The one real alternative I've seen online are the dividend investor/Seeking Alpha people. There are endless threads on our forum arguing about such dividend strategies. I don't adhere to the idea and I don't mean to poke the bear by raising it, just noting that it is a not-insane strategy with lots...
by Hockey10
Thu Sep 20, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Need iPhone case recommendations
Replies: 19
Views: 1146

Re: Need iPhone case recommendations

I have always been happy with Otterbox. They have a bunch of different models. My son had the Otterbox Defender, and although he tends to destroy everything, he had no problems with the phone for almost 3 years. Then he bought a "stylish" looking case from some other vendor and within 2 months, the ...
by Hockey10
Sun Sep 16, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 3905

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

AndroAsc wrote:
Sat Sep 15, 2018 3:27 pm
Thanks, but I'm a no maintenance person. That means no roomba, no "simple cleaning" once per week. I don't clean period. The only time I clean is to mop up spills and stuff.
Sounds like you are one of my college roommates.
by Hockey10
Sun Sep 16, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 54
Views: 8277

Re: How did you decide when to retire?

When I was happy at work, I never thought about it. When I was unhappy at work, and we were financially in good shape, and I saw in the obituaries each day that people younger than me were passing away, I started to seriously think about it. This went on for a year or so until I finally decided to r...
by Hockey10
Sun Sep 16, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to get financially ready for death of parent
Replies: 22
Views: 2651

Re: How to get financially ready for death of parent

Definitely seek the advice of a local estate planning attorney. As for being properly organized, check out the post below where Taylor lists all of the documents in his binder:

viewtopic.php?t=198919
by Hockey10
Sat Sep 08, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Attic Insulation Over Plywood Floor?
Replies: 10
Views: 1183

Re: Attic Insulation Over Plywood Floor?

Why was the plywood installed in the first place? The plywood was there when we bought the house 15 years ago. Not sure why the previous owner installed the plywood as plenty of storage in a very dry large basement area. Thank you for your reply! This sounds like my house. We had an energy audit do...
by Hockey10
Fri Sep 07, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: time for new pair of glasses
Replies: 36
Views: 2603

Re: time for new pair of glasses

Especially as we get older, I believe it is important to get regular, medically competent full eye exams to look for things beyond just getting the correct prescription. Depending on all the facts and circumstances, this might be from an Optometrist or an Ophthalmologist. I do get yearly eye exams ...
by Hockey10
Wed Sep 05, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: HVAC annual contracts vs yearly annual cleaning
Replies: 32
Views: 2303

Re: HVAC annual contracts vs yearly annual cleaning

I have always gone with the annual contract as the HVAC company claims that customers on contracts get priority service in an emergency. We have had I think 2 occasions where the heater stopped working in the winter and both times the HVAC guy was there in < 1 hour. One time this was late at night. ...
by Hockey10
Wed Sep 05, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4824

Re: How much do you spend on kids extracurriculars?

How much do I spend now? $0 (the kids are all gone from the house). I don't want to know how much I spent over the years on activities for 3 kids, but it was a lot. The bigger investment was the time spent attending and getting the kids to/from practices, games, matches, races, etc... Back in the tr...
by Hockey10
Mon Sep 03, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: new mattress/bed - king size upstairs
Replies: 16
Views: 2772

Re: new mattress/bed - king size upstairs

My daughter recently purchased the Live and Sleep mattress for her apartment via Amazon. It came rolled up in a box and I had the honors of carrying it up the steps to her 3rd floor apartment. The full size version weighed about 55 pounds. It was a manageable 1 person carry. For a queen or king, it ...
by Hockey10
Sat Sep 01, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Durable Power of Attorney: Implementation Report
Replies: 54
Views: 4010

Re: Durable Power of Attorney: Implementation Report

A better maneuver would be to give your kid the power to write checks for you, without making them a joint owner. That is what my Dad did as he was starting to decline. He lived for almost 10 years after that and I paid all of his bills during those years with his checking account. This arrangement...
by Hockey10
Wed Aug 29, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Negotiating with XM
Replies: 27
Views: 2646

Re: Negotiating with XM

I've been playing this stupid game with them for probably 7+ years now: -Call a week before expiration, take subscription off auto-renew and cancel. -Wait for subscription expiration date to pass. -Call and tell them I want the 5 month deal for $25-$30. I always get it. The trick seems to be that t...
by Hockey10
Sun Aug 26, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Cheaters or prescription bifocals
Replies: 22
Views: 1527

Re: Cheaters or prescription bifocals

See your eye doctor and ask about progressive lenses. I started wearing progressives about 3 years ago and I really like them.
by Hockey10
Sun Aug 26, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9755

Re: What is your stealth way to save monthly?

We eat almost all dinners at home and have done this for decades. I did not realize how much we were saving until a few years ago when several guys at work were talking about how much they spend at restaurants on a weekly basis.
by Hockey10
Fri Aug 24, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Is it worth chasing down this $10 fee?
Replies: 38
Views: 3145

Re: Is it worth chasing down this $10 fee?

No. (Don't waste your time).
by Hockey10
Tue Aug 21, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3368

Re: Composite Decking Material

We have a Timbertech deck that is 9 years old. The only maintenance that I do is to pressure wash it every May. It replaced a wood deck that I was putting Behr solid stain on about once every 3 years. I found that a once per year pressure wash is a lot easier than a once every 3 year staining. And, ...
by Hockey10
Tue Aug 21, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Military career/college options (engineering - nukes?)
Replies: 45
Views: 2714

Re: Military career/college options (engineering - nukes?)

1) If my son was at least semi-interested in this path at some point in college, are there ways to "dip your toes" in without signing up for a full multi-year commitment. As others have said here, try ROTC. I did, and I think it was the best decision I have ever made. He can take a 1 credit class i...
by Hockey10
Mon Aug 13, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2610

Re: What's the reason you would buy reading glasses at...

My ophthalmologist told me the inexpensive dollar store glasses are fine, and that they won't hurt your eyes. I have perfect distance vision with the help of my contacts, but at 50, I am now having quite a hard time reading up close. Several pair of reading glasses stashed around the house works fo...
by Hockey10
Mon Aug 13, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2610

Re: What's the reason you would buy reading glasses at...

I wear progressive lenses most of the time. These give me very good vision for distance and reading. When I wear my contact lenses, my reading vision needs a slight boost from reading glasses.
by Hockey10
Mon Aug 13, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: How to have “what if” discussion with retired parents?
Replies: 48
Views: 4700

Re: How to have “what if” discussion with retired parents?

If you do manage to have the discussion, try to convince them to let you read their estate planning documents (will, trust, health care directives, power of attorney, etc...). What they think has been planned out and what is actually planned in writing may be different. Read every word on every doc...
by Hockey10
Sun Aug 12, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to have “what if” discussion with retired parents?
Replies: 48
Views: 4700

Re: How to have “what if” discussion with retired parents?

If you do manage to have the discussion, try to convince them to let you read their estate planning documents (will, trust, health care directives, power of attorney, etc...). What they think has been planned out and what is actually planned in writing may be different. Read every word on every docu...
by Hockey10
Sun Aug 12, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 5263

Re: How often do you check your brokerage accounts

I never log into my brokerage accounts Mon - Fri between 0930 - 1600. This prevents me from doing something stupid while the market is open.

I do use Personal Capital about 5 -6 times per week to review recent transactions (have had credit card fraud 3 times in past 5 years).
by Hockey10
Thu Aug 09, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Anyone familiar with attic fans?
Replies: 32
Views: 2156

Re: Anyone familiar with attic fans?

Be aware that if you do try to walk through the attic you must [/u] carefully feel through the insulation and step only on the wood rafters, which can support your weight. This is important! I have known of several people who are not familiar with construction who did not realize that the sheetrock...
by Hockey10
Thu Aug 09, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25573

Re: most compelling TV character ever

- Shemp
- The Penguin
- The combination of Archie, Edith, and Meathead (sorry Gloria, you don't make the cut)
by Hockey10
Thu Aug 09, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 9590

Re: Biggest Threats to Financial Well-Being

Changing jobs too often. I know people that have spent decades changing jobs once every 1 - 2 years. Some of the changes were involuntary, but most were by choice. Most of the changes were lateral moves. The megacorp where I worked had specific rules about pension and 401k eligibility and how long y...
by Hockey10
Tue Aug 07, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Career Transition after Military
Replies: 13
Views: 1246

Re: Career Transition after Military

OP, the organization at the link below was specifically created to help with the hiring of veterans. The megacorp that I worked for before retiring is a member, and they did a very good job of promoting the goals of this organization. It was constantly mentioned internally and I was very proud to se...
by Hockey10
Tue Aug 07, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Career Transition after Military
Replies: 13
Views: 1246

Re: Career Transition after Military

OP, I was in your shoes in the 1980s. While I was still on active duty, I reached out to a couple of firms that were advertising in the Army Times as specialized recruiters for junior military officers. I went through several interviews, but the only opportunities they had for me were in geographic ...
by Hockey10
Tue Aug 07, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: Detailed journal of my bicycle ride through the Balkans
Replies: 4
Views: 716

Re: Detailed journal of my bicycle ride through the Balkans

Raybo, as always, you have some great photos, and I have only so far looked at days 0, 1, and 2.
by Hockey10
Mon Aug 06, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Certificate of Authenticity for Autograph of Richie Ashburn
Replies: 7
Views: 815

Re: Certificate of Authenticity for Autograph of Richie Ashburn

One of the all time Richie Ashburn stories - from Wikipedia: One oft-told story is that on short flies to center or left-center, center fielder Ashburn would collide with shortstop Elio Chacón. Chacón, from Venezuela, spoke little English and had difficulty understanding when Ashburn was calling him...
by Hockey10
Mon Aug 06, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Certificate of Authenticity for Autograph of Richie Ashburn
Replies: 7
Views: 815

Re: Certificate of Authenticity for Autograph of Richie Ashburn

I miss Whitey's stories of growing up in Tilden Nebraska.........
by Hockey10
Sat Aug 04, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Yogi said it. It must be true.
Replies: 21
Views: 2673

Re: Yogi said it. It must be true.

- 90% of the game is half mental
- when you come to the fork in the road, take it
by Hockey10
Sat Aug 04, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery
Replies: 43
Views: 3267

Re: USPS Informed Delivery

I also failed the online test and had to show up at the post office in person. I rarely get anything important in the mail, but when I am expecting something, it is nice to be able to see an image of the envelope in my e-mail in the morning.
by Hockey10
Fri Aug 03, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3815

Re: New job commute

Life is too short to be spending 3 hours per day in a car. Either find a new job closer to home, or move closer to your current job. I once had a job with good pay and a terrible commute (about 1 hour each way). After about a year, I walked away from the job and took a lower paying job close to home...
by Hockey10
Fri Aug 03, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Home is *just* outside flood zone - how much flood insurance do I buy?
Replies: 50
Views: 3148

Re: Home is *just* outside flood zone - how much flood insurance do I buy?

Flood zone maps change over time as the government updates them. You could be in the lower risk zone today, but if the map is redrawn 2 years from now, you might be in a riskier zone. And with more flood risk, your flood insurance premiums will go up. I was on the receiving end of the flood from San...
by Hockey10
Thu Aug 02, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 5044

Re: best place to hide a key

dm200 wrote:
Thu Aug 02, 2018 6:15 pm
I carry a spare car key in my wallet.
I used to carry one in my wallet back in the day when the keys were thin. But, the more modern keys are just too fat....
by Hockey10
Tue Jul 31, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: DOOM!!!!! Morgan Stanley warns
Replies: 41
Views: 5019

Re: DOOM!!!!! Morgan Stanley warns

There are always 'experts' out there saying that the market will crash soon. When it does crash, the most recent expert who predicted this is lauded as a genius. I remember people back in 2013 and 2014 warning of the pending crash. If you market timed and got out, you missed out on a lot of apprecia...