Search found 784 matches

by Hockey10
Fri Jul 03, 2020 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity: How To Get Account As Start Screen
Replies: 10
Views: 805

Re: Fidelity: How To Get Account As Start Screen

Accounts & Trade|Account Features|View and edit personal information and preferences in your profile|Preferences|Start Page and trading account|Set Start Page|Account Positions This won't work automatically if they insert that default navigation page that has been coming up regularly since March. T...
by Hockey10
Wed Jul 01, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: Thinking about joining Air National Guard at 31 years
Replies: 88
Views: 5156

Re: Thinking about joining Air National Guard at 31 years

If I go in as an engineer or into Intel, what skills would I learn? I like to learn more about weapons and combat. It might not be directly related to the job I chose, but will there be opportunity within the military to learn those. Or do you have to be infantry in Marine or Army to get those skil...
by Hockey10
Sun Jun 28, 2020 9:00 am
Forum: Personal Consumer Issues
Topic: Techies provide me best practices
Replies: 38
Views: 3437

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. What is the benefit of doing this? What form of attack are you seeking to prevent? My primary e-...
by Hockey10
Sat Jun 20, 2020 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating price post an old house inspection
Replies: 48
Views: 2939

Re: Negotiating price post an old house inspection

Before making a decision, watch the movie named "The Money Pit". You will be a more informed buyer at that point. If you are still unsure, then watch a movie named "Mr. Blandings Builds his Dream House".
by Hockey10
Sat Jun 20, 2020 8:14 am
Forum: Personal Consumer Issues
Topic: Lastpass, which account options shouldn't be used for maximum security?
Replies: 8
Views: 913

Re: Lastpass, which account options shouldn't be used for maximum security?

I don't know which options should not be used, but here is what I do for Lastpass security: - Master Password is a long phrase which I have memorized. Besides in my brain, the only place it exists is on a handwritten piece of paper in the safe deposit box. - I use the Authy app on my phone a two-fac...
by Hockey10
Mon Jun 15, 2020 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Change of Address choices for father w/ cognitive decline
Replies: 28
Views: 1265

Re: Change of Address choices for father w/ cognitive decline

I went through the same exact thing with my Dad in the late 90s. When his cognitive decline started (along with some other health issues), I went with him to an appointment with his doctor. The doctor told him that he should not drive any more. I was very relieved when Dad agreed. We then got Dad mo...
by Hockey10
Mon Jun 15, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: EZ-Pass Issue for Pennsylvania
Replies: 26
Views: 1198

Re: EZ-Pass Issue for Pennsylvania

I suspect the transponder will eventually go on the shelf with the buggy whip and the VCR. But, if the state makes money on transponder sales, this change might not happen for awhile.
by Hockey10
Wed Jun 10, 2020 1:58 pm
Forum: Personal Consumer Issues
Topic: How to be informed but tune out the noise?
Replies: 26
Views: 1784

Re: How to be informed but tune out the noise?

Pick a few news outlets that you trust and check them once per day. Don't go back until 24 hours have passed.
by Hockey10
Wed Jun 10, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: Time to replace deck?
Replies: 24
Views: 2042

Re: Time to replace deck?

We replaced our wood deck when it was 16 years old. It was still structurally sound, but I got tired of staining it every few years. The new deck is Timbertech. The only maintenance is a once per year power washing in May. It is more expensive than wood, but well worth it.
by Hockey10
Wed Jun 10, 2020 11:16 am
Forum: Personal Consumer Issues
Topic: New construction house - what to consider?
Replies: 160
Views: 9431

Re: New construction house - what to consider?

Countermoon wrote:
Wed Jun 10, 2020 7:54 am

3. Pre-wire for ceiling fans in most rooms of house.
While you are doing this, also install the proper electrical boxes with support for the ceiling fan weight. It can be done after the fact, but is easier to do so during construction phase.
by Hockey10
Mon Jun 08, 2020 8:47 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9472

Re: Amazon Prime Membership Question

In terms of the membership cost, when I renewed last Fall, I got a $40 discount for being a Veteran. I don't know if this is a one time thing or something that will be available again. How did they know? It's not like there is a checkbox on the sign up form. As I recall, it was a promotion that was...
by Hockey10
Fri Jun 05, 2020 2:23 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 299
Views: 39617

Re: Don't pay full price for SiriusXM radio

My first year subscription is up later this month, so I've got the dreaded phone call scheduled on the calendar. Do I understand correctly this can now be done on the internet but it's two-steps? First, cancel the existing subscription. Then go back in as a "returning subscriber" to sign up for the...
by Hockey10
Fri Jun 05, 2020 2:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 6414
Views: 541803

Re: U.S. stocks continue to soar!

I was just driving on one of the major roads in the area, and for the first time in almost 3 months, it had a lot of traffic. There is some type of economic activity going on out there.....
by Hockey10
Fri Jun 05, 2020 1:48 pm
Forum: Investing - Theory, News & General
Topic: Market Euphoria?
Replies: 63
Views: 5061

Re: Market Euphoria?

Call_Me_Op wrote:
Fri Jun 05, 2020 7:29 am
mrspock wrote:
Fri Jun 05, 2020 5:06 am
Stop feeling.... Euphoria is just another mis-placed emotion....
Spoken like a true Vulcan! :)
Live long and prosper.
by Hockey10
Wed Jun 03, 2020 12:48 pm
Forum: Personal Consumer Issues
Topic: Looking for Shredder Recommendations
Replies: 30
Views: 1411

Re: Looking for Shredder Recommendations

My shredder sounds like it wants to die any day now, so I will be keeping an eye on this thread. Mine is a Bonsai 14 sheet C169-B. It is about 4 years old and has shredded thousands of pages. It has been "ok", but nothing special. Seems like I should have gotten more use out of it, but it is my firs...
by Hockey10
Sat May 30, 2020 10:50 am
Forum: Personal Finance (Not Investing)
Topic: northern Delaware versus southern NJ for retirement
Replies: 41
Views: 3328

Re: northern Delaware versus southern NJ for retirement

There is no new construction in northern DE, as the area is already fully developed. You need to go below the canal for new construction in DE. There are some nice communities in Chester County, PA including the likes of Kennett Square and West Chester. These are both just over the state line. There...
by Hockey10
Fri May 29, 2020 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Homebuyer - Any Advice?
Replies: 27
Views: 1431

Re: First Time Homebuyer - Any Advice?

Never buy a house in a bad neighborhood
Never buy a house on a busy street
Never buy a house at the bottom of a hill (if you do, you will be reading all of the sump pump and basement flooding threads)
by Hockey10
Fri May 29, 2020 3:05 pm
Forum: Personal Consumer Issues
Topic: Carolina/Virginia Summer Vacation
Replies: 56
Views: 2971

Re: Carolina/Virginia Summer Vacation

The OBX has a pretty nice resort near Duck. It's called The Sanderling... https://www.sanderling-resort.com/ My wife and I stayed there about 30 years ago. It is a beautiful facility right on the beach. We were in the area about 3 years ago and we stopped by for a look. It is still there and still ...
by Hockey10
Wed May 27, 2020 11:47 am
Forum: Personal Finance (Not Investing)
Topic: "Vacation" Home as First Home Purchase?
Replies: 14
Views: 1536

Re: "Vacation" Home as First Home Purchase?

I would wait and build up your cash reserves. Housing prices tend to move more gradually than the stock market. If you look at housing over the last 20 years (on a national basis), there was a peak in 2006, then a bottom in 2012, then an increase in the years after 2012. So from the top to the botto...
by Hockey10
Sun May 24, 2020 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 8816

Re: Investors: be aware of weakness in 2FA + strengthening

Also, Verizon has a setting called "Number Lock" which locks your phone number to your line and can't be moved to another line or carrier. I learned about this recently and activated it. Source (scroll down to #5) https://www.verizonwireless.com/support/keeping-your-account-safe-faqs/ Thanks for th...
by Hockey10
Fri May 22, 2020 4:35 pm
Forum: Personal Consumer Issues
Topic: Should I pay $1,600 for this lawn care fix?
Replies: 56
Views: 5533

Re: Should I pay $1,600 for this lawn care fix?

My backyard is also very bumpy. I have thought about trying to fix it, but have done nothing about it so far. Get another quote, then decide whether or not to spend the money.
by Hockey10
Thu May 21, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: Secrets to a great lawn
Replies: 65
Views: 5411

Re: Secrets to a great lawn

Make sure your lawn mower blade is sharp. A dull blade can harm the grass.
by Hockey10
Wed May 20, 2020 1:34 pm
Forum: Personal Investments
Topic: Change on dividend deposits being rounded down by broker?
Replies: 8
Views: 703

Re: Change on dividend deposits being rounded down by broker?

Vanguard Fan 1367 wrote:
Wed May 20, 2020 12:54 pm
Hockey10 wrote:
Wed May 20, 2020 12:12 pm
Have you seen the movie "Office Space".

Is that about someone amassing a fortune skimming pennies out of accounts?
Yes, as I recall it was fractions of a penny spread across millions of accounts. It also was about the superiority of Swingline staplers.
by Hockey10
Wed May 20, 2020 12:12 pm
Forum: Personal Investments
Topic: Change on dividend deposits being rounded down by broker?
Replies: 8
Views: 703

Re: Change on dividend deposits being rounded down by broker?

Have you seen the movie "Office Space".
by Hockey10
Tue May 19, 2020 3:01 pm
Forum: Personal Investments
Topic: Sold some stock on new highs today!
Replies: 23
Views: 2411

Re: Guys, I got out! (sold equities)

Your headline is misleading.... :confused
by Hockey10
Tue May 19, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: Help: Update: Advice Getting Hearing Aids? What? What?
Replies: 44
Views: 1759

Re: Help: Any Problems or Pitfalls or Advice When it Comes to Getting Hearing Aids? What? What?

DW listens to the TV on volume #12 I need it at 24 so ....... 😬 Those are the same volume levels that my wife (24) and I (12) used for the TV. I told her for several years that she needed a hearing aid. After the majority of our kids told her the same thing, she started to look into it. She started...
by Hockey10
Mon May 18, 2020 12:52 pm
Forum: Personal Consumer Issues
Topic: Composite AND wood deck?
Replies: 15
Views: 1022

Re: Composite AND wood deck?

We have had a Timbertech deck for 11 years. The only maintenance is a once per year power washing. When the power washing is complete, it looks brand new.
by Hockey10
Sun May 17, 2020 8:00 am
Forum: Personal Consumer Issues
Topic: Decluttering and selling used items during this time
Replies: 15
Views: 1968

Re: Decluttering and selling used items during this time

The Goodwill stores in our area recently announced that they are no longer accepting donations. Between all the decluttering going on and the stores being closed to shoppers, they are overwhelmed with inventory. I have made several trips in the past 2 months to the Salvation Army to donate things. ...
by Hockey10
Sat May 16, 2020 7:15 am
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6534

Re: How to get disinfecting wipes..seriously

At our local grocery store, the aisle that has the Clorox wipes has been empty for over 2 months. However, in the section where travel sized items are sold, they sometimes have 20 packs of Wet Ones anti-bacterial wipes. I bought 2 packs there this week.
by Hockey10
Tue May 12, 2020 9:16 am
Forum: Investing - Theory, News & General
Topic: At what moment does retirement begin?
Replies: 68
Views: 5830

Re: At what moment does retirement begin?

Since my car was parked in the company parking garage which had an access card to get in/out, my boss and I got in my car and drove through the exit gate. I then handed him my ID badge and parking garage card, shook his hand, and drove off. That drive home was one of the most relaxing times of my li...
by Hockey10
Mon May 11, 2020 2:42 pm
Forum: Personal Investments
Topic: Tax Loss Harvest in 12% bracket?
Replies: 25
Views: 1511

Re: Tax Loss Harvest in 12% bracket?

Marcopolo, I am in a similar situation as you in the 12% bracket and the ACA cliff looming on the horizon. I am comfortable doing Roth conversions up to the top of the 12% bracket, but have not yet ventured beyond that. I have considered doing some significant conversions and going over the cliff, b...
by Hockey10
Mon May 11, 2020 8:39 am
Forum: Personal Finance (Not Investing)
Topic: 2020 tax forecast
Replies: 8
Views: 750

Re: 2020 tax forecast

by Hockey10
Sun May 10, 2020 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Layoff Imminent, seeking guidance.
Replies: 56
Views: 7380

Re: Layoff Imminent, seeking guidance.

Don't burn any bridges when you leave. Keep all communications professional and courteous. After the layoff, keep in touch with your friends at work, and with your boss (assuming you are on good terms with them). Who knows where you and your employer will be a year or two from now. Maybe they will w...
by Hockey10
Sat May 09, 2020 10:04 am
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13581

Re: Will "work from home" destroy the commercial real estate market?

What about the cybersecurity aspect of this? I would think that from the corporate IT security perspective, having most of the workers in the office would be more secure than having them scattered at home all over the place. I am not a tech expert, so maybe I am wrong, but just throwing this out th...
by Hockey10
Sat May 09, 2020 9:18 am
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13581

Re: Will "work from home" destroy the commercial real estate market?

What about the cybersecurity aspect of this? I would think that from the corporate IT security perspective, having most of the workers in the office would be more secure than having them scattered at home all over the place. I am not a tech expert, so maybe I am wrong, but just throwing this out the...
by Hockey10
Wed May 06, 2020 3:42 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 560
Views: 146861

Re: Need to be able to do 30 chin-ups

Triple digit golfer wrote:
Wed May 06, 2020 3:20 pm
He seems to think it is impossible and only some freak of nature would be able to accomplish such a feat.
There is one freak of nature who I know can do this. Look up Zdeno Chara of the Boston Bruins. He weighs about 250 pounds and routinely does 30+ reps.
by Hockey10
Tue May 05, 2020 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: [thinking about buying a house in LA, wait for RE crash?]
Replies: 66
Views: 4641

Re: do you expect there to be a housing market crash? If so, when?

We just had a custom home built (finished about 2 weeks ago). Our builder had 3 projects scheduled to start when ours and one other one he was building concurrently finished up. He told me the other day that 2 of the 3 have put their projects "on hold". This was after having signed contracts. I wou...
by Hockey10
Mon May 04, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9472

Re: Amazon Prime Membership Question

Most of my shipments have been received in the normal time (usually 1-2 days), unless it is an item specifically in high demand now like masks or anti-bacterial wipes. Then again, there are several large Amazon distribution centers not too far from here. In terms of the membership cost, when I renew...
by Hockey10
Thu Apr 30, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6976

Re: Has your budget changed? What items have you cut out?

There was a similar thread on this topic earlier this week:

viewtopic.php?f=11&t=313181
by Hockey10
Wed Apr 29, 2020 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance under COBRA - Will returning to work disqualify me?
Replies: 53
Views: 3128

Re: Insurance under COBRA - Will returning to work disqualify me?

Yes, I have medical + dental + vision. When COBRA ends, I have a medical insurance broker I can call to figure this out. I won't be able to go on Medicare yet, so I'll have to figure something out to cover the gap. That's a whole 'nother can of worms, which I'll defer until I need to change my cove...
by Hockey10
Wed Apr 29, 2020 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax What If Question
Replies: 15
Views: 941

Re: Turbotax What If Question

In a thread a poster said that in TurboTax there was a form to do "What if" scenarios for tax planning for next year. I have TurboTax Home and Business 2019 Desktop and could not find that in the program. Can someone help me either find it or point me to a version of TurboTax that would have that c...
by Hockey10
Tue Apr 28, 2020 9:59 am
Forum: US Chapters
Topic: What is a Boglehead? Some Fun.
Replies: 53
Views: 3113

Re: What is a Boglehead? Some Fun.

A Boglehead is the most boring type of investor on the planet.
by Hockey10
Tue Apr 28, 2020 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Proof of ownership and paper statements
Replies: 25
Views: 1794

Re: Proof of ownership and paper statements

I usually print out my year end statements and also save them as a pdf file on my computer.
by Hockey10
Sun Apr 26, 2020 1:38 pm
Forum: Personal Investments
Topic: Is there a maximum one should keep at one brokerage firm?
Replies: 25
Views: 1638

Re: Is there a maximum one should keep at one brokerage firm?

Good points which makes me more comfortable but what do you think of potential issues related to cyber attacks? If say the brokerage firm or the individual gets hacked it could cause the accounts held there to be compromised. I feel having all of my investments at one brokerage firm while trying to...
by Hockey10
Sun Apr 26, 2020 11:23 am
Forum: Personal Investments
Topic: Is there a maximum one should keep at one brokerage firm?
Replies: 25
Views: 1638

Re: Is there a maximum one should keep at one brokerage firm?

Good points which makes me more comfortable but what do you think of potential issues related to cyber attacks? If say the brokerage firm or the individual gets hacked it could cause the accounts held there to be compromised. I feel having all of my investments at one brokerage firm while trying to...
by Hockey10
Sun Apr 26, 2020 9:54 am
Forum: Personal Consumer Issues
Topic: Have you tracked spending during quarantine?
Replies: 52
Views: 3364

Re: Have you tracked spending during quarantine?

April 2020 will be the lowest spending month we have had in decades. No travel, no sports tickets, minimal gas expense, no shopping other than groceries, and no hiring of contractors to work on house. I track our spending using Personal Capital and we are down about 40% compared to a typical month.
by Hockey10
Sun Apr 19, 2020 1:02 pm
Forum: Personal Consumer Issues
Topic: Pool of Water six feet from foundation of front of home
Replies: 30
Views: 2561

Re: Pool of Water six feet from foundation of front of home

If nothing else works, try this idea as a last resort. I know someone who has ponding in their yard, which is slightly below the elevation of the street. They installed an electric pump which pumps water out to the street. The pump is hidden under a fake rock (which actually does not look bad). I ne...
by Hockey10
Sun Apr 12, 2020 9:12 am
Forum: Investing - Theory, News & General
Topic: Why does anyone invest in China funds?
Replies: 70
Views: 3793

Re: Why does anyone invest in China funds?

Japan is now paying its manufacturers to move production out of China. At the same time, there are many people in the US who are advocating for a decoupling from China.