Search found 473 matches

by Hockey10
Sun Jun 16, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 124
Views: 20189

Re: Don't pay full price for SiriusXM radio

I have been calling every 5 months to renew for as long as I can remember. I always get a rate that is about $6 per month including taxes. Last week my 5 months was up so I called and said I wanted to cancel. They made an initial offer that about $8 per month. When I rejected that, they made me a 12...
by Hockey10
Sun Jun 16, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 62
Views: 4354

Re: With hindsight, what signs indicated you were about to lose your job?

I was never fired, but I did observe a pattern that took place at the Megacorp that I worked at for most of my career. This cycle repeated itself roughly every 5 years. Phase 1 - normal hiring in process (nothing unusual is taking place with the volume of hirings or firings) Phase 2 - hiring freeze ...
by Hockey10
Sun Jun 16, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Tax win-win - Appreciated shares contributed to a Donor Advised Fund (DAF)
Replies: 6
Views: 419

Re: Tax win-win - Appreciated shares contributed to a Donor Advised Fund (DAF)

You can bunch deductions, but be aware of the deduction limit of 30% of your AGI for appreciated stock. From Fidelity's website: When you donate cash to a public charity, you can generally deduct up to 60% of your adjusted gross income. Provided you've held them for more than a year, appreciated ass...
by Hockey10
Sat Jun 15, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 32
Views: 3210

Re: My Bad Experience With Angie's List

Contact the owner directly and let him know what took place (he might not be aware of the situation). Tell him you will be giving him an F rating on Angie's List if he does not fix the problem immediately. I had a problem with a contractor about 10 years ago. After I threatened him with the F rating...
by Hockey10
Sat Jun 15, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 46
Views: 2955

Re: IPhone 6 - showing some age

I took my Iphone 6 into the Apple store last year when they were running the $29 battery replacement offer. The guy in the store ran a check on the phone and said my battery was fine, but I insisted and got the $29 new battery. This did improve my battery life, although I was not having any serious ...
by Hockey10
Sat Jun 15, 2019 7:55 am
Forum: Investing - Theory, News & General
Topic: Bogleheads vs Hedgefunds
Replies: 15
Views: 1363

Re: Bogleheads vs Hedgefunds

With great reward comes great risk. This forum is not about taking on unnecessary risk so you are unlikely to find much sympathy outside of re-balancing a buy & hold portfolio. The only risk that I recall a high volume Boglehead poster taking was when livesoft drove a rented Toyota Camry 80 mph dow...
by Hockey10
Fri Jun 14, 2019 4:38 pm
Forum: Personal Investments
Topic: Asset allocation for those in their late fifties
Replies: 35
Views: 3496

Re: Asset allocation for those in their late fifties

80% stock
10% bonds
10% cash

This is the highest % bonds that I have ever had. Never owned any bonds until I was in my 50s.
by Hockey10
Fri Jun 14, 2019 4:32 pm
Forum: Personal Investments
Topic: From Simplicity to Complexity
Replies: 10
Views: 841

Re: From Simplicity to Complexity

Don't log into your brokerage account during weekdays when the market is open. This may reduce some of the temptation for you.
by Hockey10
Fri Jun 14, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 3912

Re: Selected Photos

Raybo wrote:
Fri Jun 14, 2019 7:56 am
flyingaway wrote:
Tue May 28, 2019 3:53 pm
Would love to see some pictures.
I took nearly 2000 photos. I've selected 56 pictures to give an idea of the trip.
Great shots Raybo! Glad you made it to the top of the hill.
by Hockey10
Fri Jun 14, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Best prepaid debit card for a teen
Replies: 23
Views: 1179

Re: Best prepaid debit card for a teen

Our kids all had USAA debit cards. No fees, ATM fees are reimbursed, and I could instantly transfer money from my USAA account to theirs (or extract money from them). USAA has cancelled this program completely. Navy Federal has the Visa Buxx card which is similar. 1% Foreign Exchange fee. $1 out of...
by Hockey10
Thu Jun 13, 2019 1:01 pm
Forum: US Chapters
Topic: Trying out a new signature
Replies: 6
Views: 1078

Re: Trying out a new signature

Earl - congrats on the Cup! :sharebeer I think all of Philly was pulling for the Blues as Craig Berube was the Flyers 2nd best goon of all time (only behind Dave Schultz). Plus, it was ironic that when the Blues were at rock bottom in early January, Binnington played his first game here and it was a...
by Hockey10
Thu Jun 13, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Best prepaid debit card for a teen
Replies: 23
Views: 1179

Re: Best prepaid debit card for a teen

Our kids all had USAA debit cards. No fees, ATM fees are reimbursed, and I could instantly transfer money from my USAA account to theirs (or extract money from them).
by Hockey10
Wed Jun 12, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: How are your 30s financially different than your late 20s?
Replies: 47
Views: 5569

Re: How are your 30s financially different than your late 20s?

Late 20s - married, no kids. Looking back, we had lots of free time and life was fairly easy. 30s - 3 kids were born and 3 parents passed away. The 4th parent had significant health issues that required a lot of our time over a period of 10+ years. Going from taking care of only ourselves in the 20s...
by Hockey10
Tue Jun 11, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital Cash
Replies: 14
Views: 1892

Re: Personal Capital Cash

Gufomel wrote:
Tue Jun 11, 2019 7:55 am
Maybe now their software will stop telling me that I have too much of my portfolio allocated to cash. All I have in cash is a 6 month emergency fund!
They always tell me the same thing no matter how much cash I have.
by Hockey10
Fri Jun 07, 2019 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Pine Tree Incident
Replies: 31
Views: 3483

Re: Pine Tree Incident

In situations like this, my insurance company has always dictated the terms. Most of the time, they just have me get a single quote from someone on their preferred list and I write them a check for my deductible. The insurance company pays the rest. Easy. This is exactly what I experienced when we ...
by Hockey10
Thu Jun 06, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3592

Re: Does a big family need 2 big cars? Question for 3 kid+ families

We have 3 kids (now adults) and always had 1 big car and 1 small car. I can't ever remember a situation when we needed 2 big cars.
by Hockey10
Thu Jun 06, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital Software
Replies: 22
Views: 1898

Re: Personal Capital Software

I used PC for a couple of years for all of my accounts. Then I read a few posts on Bogleheads that made me nervous. I have no idea from a technical standpoint if my accounts are at risk or not by using PC. But, there were enough people on Bogleheads who said it was a potential problem. So, I de-link...
by Hockey10
Wed Jun 05, 2019 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without a garage?
Replies: 95
Views: 5906

Re: Would you buy a house without a garage?

When I was young, single, and living in an apartment, I never thought about a garage. Now after owning homes for 30 years with a garage, I could not see buying a house without one.
by Hockey10
Tue Jun 04, 2019 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Ft Belvoir, VA
Replies: 14
Views: 1128

Re: Relocating to Ft Belvoir, VA

I can't help you with housing as the last time I set foot on Ft. Belvoir was 36 years ago. But, be sure to check out the view from the back porch of the Officer's Club. It may be the most relaxing spot I ever found on an Army post.
by Hockey10
Sun Jun 02, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: Should I buy Euros from local bank or use ATM in Europe
Replies: 37
Views: 2126

Re: Should I buy Euros from local bank or use ATM in Europe

I get Euros from a local bank in Europe. On my way home, I try to have about 75 - 100 Euros with me when I get on the plane. That way on my next trip to Europe I won't have to worry about getting more Euros as soon as I get there. I pay for most things with a credit card, but I have encountered some...
by Hockey10
Sun Jun 02, 2019 3:02 pm
Forum: Personal Investments
Topic: Pre-Military Seeking Investment Planning
Replies: 49
Views: 2420

Re: Pre-Military Seeking Investment Planning

OP, glad to see that you have no debt. Try to keep it that way for as long as you can. I knew way too many soldiers in the Army back in the 1980s who were younger than you that were buried in debt. The most likely culprit was a car loan with about a 35% interest rate. The vultures that worked in the...
by Hockey10
Sat Jun 01, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Driveway Stain - What is it?
Replies: 11
Views: 1118

Re: Driveway Stain - What is it?

I estimate that 4 of every 5 contractors that have worked on my house in the past 25 years have left a stain on my asphalt driveway. Most of the stains gradually fade away. I get the driveway sealed about once every 5 years. So from that day until the next time someone comes over to work on the hous...
by Hockey10
Sat Jun 01, 2019 12:10 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9751

Re: How did you all do in the month of May, 2019

nisiprius wrote:
Sat Jun 01, 2019 4:46 am
I don't know and I don't care.
My thoughts exactly.
by Hockey10
Thu May 30, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Clarification on Long Term Cap Gains Taxes
Replies: 4
Views: 417

Re: Clarification on Long Term Cap Gains Taxes

Any long term gains included in your adjusted gross income under $78,750 will be taxed at 0%. Beyond that, you will pay tax.
by Hockey10
Mon May 27, 2019 12:01 pm
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 11950

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

Hehe... Most bogleheads are more Conservative than we think. Where's the 90/10 folks? They're not posting because the question was phrased in such a way that only those below 50/50 were asked to respond. I am close to being one of the 90/10 folks. I have 10% bonds, 10% cash and 80% stocks. I never ...
by Hockey10
Sun May 26, 2019 8:27 am
Forum: US Chapters
Topic: MEMORIAL DAY
Replies: 26
Views: 2641

Re: MEMORIAL DAY

Bogleheads: I fought in the Battle of the Bulge which was the deadliest single battle for Americans in World War II. I also marched down New York's Fifth Avenue in the World War II Victory Parade -- but my mind was on those who gave much more than I did. No matter where you are today, please rememb...
by Hockey10
Sat May 25, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 204
Views: 11300

Re: Should I encourage my kids to work in high school/college?

The high school job can give you some good references for when you apply for a college job. The college job can give you some good references for when you apply for an internship. The internship can give you some good references for when you apply for a full time job, possibly at the same company wh...
by Hockey10
Sat May 25, 2019 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: 4M 70K expenses would you stop?
Replies: 105
Views: 10736

Re: 4M 70K expenses would you stop?

yes, yes, yes
by Hockey10
Sun May 19, 2019 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund Calculator?
Replies: 18
Views: 1052

Re: Donor Advised Fund Calculator?

You can bunch deductions, but be aware of the deduction limit of 30% of your AGI for appreciated stock. From Fidelity's website: When you donate cash to a public charity, you can generally deduct up to 60% of your adjusted gross income. Provided you've held them for more than a year, appreciated ass...
by Hockey10
Sat May 18, 2019 8:50 am
Forum: Personal Consumer Issues
Topic: Covering outdoor patio furniture
Replies: 9
Views: 694

Re: Covering outdoor patio furniture

Cushions seem like too much trouble. My cushionless furniture stays uncovered all year and only occasionally needs the pollen wiped off. The wire screen type furniture doesn't get disgusting because water cant pool on it. I used to have outdoor furniture with cushions and I eventually switched to t...
by Hockey10
Fri May 17, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Why do plumbers get paid so well?
Replies: 84
Views: 6214

Re: Why do plumbers get paid so well?

The last time I had a plumber at the house, he charged $150/hour, so I am close to the OP's rate. He is the only plumber in a Mom & Pop shop, so we get the same guy every time. He is excellent.
by Hockey10
Wed May 15, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Water Damaged Subfloor - costs?
Replies: 11
Views: 1085

Re: Water Damaged Subfloor - costs?

Before doing any repairs, find the source of the leak and fix that. Maybe you could stand outside and spray the door with a garden hose and have someone watch for water on the inside. I once had a door that leaked. Water was somehow getting in through the corner of a window pane in the door. I fixed...
by Hockey10
Wed May 15, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 3912

Re: First few days of my bicycle ride from Florence, Italy to Bern, Switzerland

Raybo - have a safe trip. I always enjoy viewing your photos once you finish.
by Hockey10
Wed May 15, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: a week in Italy(first time)
Replies: 53
Views: 3988

Re: a week in Italy(first time)

For italy, is it recommended to carry cash (Euros) or will credit card work in most places? Hotels/Flights/Trains have already been booked online. I have found that most places accept credit cards. But, I always get about 100 Euros from an ATM when I arrive (or take some leftover Euros with me from...
by Hockey10
Tue May 14, 2019 11:51 am
Forum: Personal Investments
Topic: New to investment
Replies: 6
Views: 346

Re: New to investment

by Hockey10
Tue May 14, 2019 8:50 am
Forum: Forum Issues and Administration
Topic: For how long will the forum be around?
Replies: 94
Views: 7214

Re: For how long will the forum be around?

Until the cows come home. Until pigs fly. Until the Chicago Cubs, Bears, and Bulls win championships in the same year. You're obviously not a hockey fan. The Blackhawks have already had enough success this century. The 2010 win was very painful especially...... :shock: :? :x :confused
by Hockey10
Fri May 10, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 6277

Re: Continue working for benefit of adult children or retiring earlier?

Looking forward to the response from livesoft on this one.......
by Hockey10
Fri May 10, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Help me pull the trigger-need to quit
Replies: 41
Views: 5268

Re: Help me pull the trigger-need to quit

Since you said you have a good boss, sit down with him/her and explain the situation. A good boss will figure out a way for you to still be on the payroll while working fewer hours. The economy is strong now and many companies are desperate for good employees. The last thing your boss will want is t...
by Hockey10
Fri May 10, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: Self-Propelled Lawn Mower
Replies: 19
Views: 974

Re: Self-Propelled Lawn Mower

My Toro has run for 17-18 years in Houston and Florida...meaning pretty much year 'round (even twice a week in the spring). Has the Toro "GTS" engine (GTS = guaranteed to start on first or second pull), not the more expensive Briggs and Stratton. But the Toro engine has run fine and still starts mo...
by Hockey10
Fri May 10, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Vacant Lake Lot. Sell or Hold?
Replies: 54
Views: 2994

Re: Vacant Lake Lot. Sell or Hold?

OP, have you contacted the adjacent property owners? They may not know that you are trying to sell the lot. I was in your situation over 20 years ago with a lot in a NC lake community. I had purchased it over 30 years ago. I had finally decided to do something about it. I first got an appraisal from...
by Hockey10
Thu May 09, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Does one need a local driver's license to buy and register a car?
Replies: 9
Views: 817

Re: Does one need a local driver's license to buy and register a car?

This may not apply in your son's case, but if he ends up renting an apartment in a town or city that requires a city parking sticker to park on the street, some municipalities require that the vehicle be registered in that state.
by Hockey10
Wed May 08, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Undergrad major in Economics or Finance?
Replies: 59
Views: 3255

Re: Undergrad major in Economics or Finance?

They will have a much more attuned sense of the value and marketability of Penn's various degree programs as well as which route is likely to get him toward the goal he has set (if any). Penn State, not Penn! Gill I was about to say the same thing, but Gill beat me to it. I know people in the Phila...
by Hockey10
Tue May 07, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: College Tours and Open Houses
Replies: 40
Views: 2216

Re: College Tours and Open Houses

For my 3 kids combined, we visited a total of 26 schools. Some were visited multiple times. My daughter saw 18 different schools. In the summer after her sophomore year in high school, we took a 5 day trip to visit schools in VA. Seeing multiple schools in the same week gave her a chance to compare ...
by Hockey10
Mon May 06, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Crawl Space vs. Concrete Slab House Foundation
Replies: 19
Views: 2335

Re: Crawl Space vs. Concrete Slab House Foundation

Before you sign a contract to buy a house with a crawl space, go in there and crawl around. I once bought a house with one, and I did not go in there until a few months after the sale was completed. In a word, it was disgusting. :shock: :o :annoyed There were decades worth of building materials, ins...
by Hockey10
Thu May 02, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Anyone ever used a water damage restoration company to help file insurance claim?
Replies: 22
Views: 1120

Re: Anyone ever used a water damage restoration company to help file insurance claim?

We had a flood inside our house a few years ago from a broken plumbing fixture. One call to USAA set everything in motion. The flood restoration company showed up about 2 hours after the call to USAA.

I would call your insurance company directly first.
by Hockey10
Wed May 01, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: Should we go out of state during a painting project?
Replies: 14
Views: 1122

Re: Should we go out of state during a painting project?

1. Have you used this painter before and do you have 100% trust in him and his crew? 2. What if he is 2 or 3 days late getting started? (Or 2 or 3 days early)? Are you prepared to stay away longer? 3. Do you have a trusty neighbor who will check your house at the end of each day to make sure all of ...
by Hockey10
Fri Apr 26, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: Why would Ortho push for Invisalign? (non-medical question)
Replies: 41
Views: 3232

Re: Why would Ortho push for Invisalign? (non-medical question)

Two of my family members used Smile Direct. They are both happy and the cost was about $1800.
by Hockey10
Wed Apr 24, 2019 4:25 pm
Forum: Personal Investments
Topic: Donor Advisor Fund how much and when to start?
Replies: 17
Views: 1022

Re: Donor Advisor Fund how much and when to start?

I have a DAF at Fidelity and have been very impressed with the website and service. Open up a Fidelity account and contribute appreciated stock worth at least $5,000. Get familiar with their site and research some charities (if you don't already have some in mind). Make some grants to charities to g...
by Hockey10
Wed Apr 24, 2019 7:00 am
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 71
Views: 4209

Re: How to clean a garage?

Use every possible space on the ceiling or wall to hang stuff. If you have open space on a wall somewhere, you are doing something wrong. The only part of the ceiling that I do not use to hang stuff is the area above the garage door (when it is open). Buy yourself an assorted box of hooks from Home ...