Search found 255 matches

by Hockey10
Sun Jul 15, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 52
Views: 2451

Re: Are Credit Cards Actually Convenient?

Over the past 5-years, my card has been declined 3 times. Each of those was at a gas station while traveling and more than one fill-up per day. I have had the same issue if I filled up twice in the same day (at a local gas station with 2 different cars). Gas stations are an early warning sign for t...
by Hockey10
Sun Jul 15, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Reading glasses for driving
Replies: 11
Views: 796

Re: Reading glasses for driving

Try using Waze, which has a large box in the upper left corner of the screen. It simply tells you how far before the next turn. I can read this easily without my reading glasses. I don't bother trying to read any of the smaller font items on the screen. I tend to rely more on the voice prompts than ...
by Hockey10
Sat Jul 14, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Major purchases - now or later?
Replies: 13
Views: 1407

Re: Major purchases - now or later?

I keep a list of the major expenses that need to be taken care of in the next few years and I space them out so that there is only one project going on at the same time. When the first project is done, I move onto the second. If something is specific to the outside of the house, I only do those item...
by Hockey10
Fri Jul 13, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 50
Views: 5513

Re: Be Careful Using Mailboxes

I write very few checks these days, but when I do, the envelope goes straight the box at the Post Office. I never use the mailbox in front of my house for outgoing mail.
by Hockey10
Fri Jul 13, 2018 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 96
Views: 6852

Re: Early retirement

I retired early. I've had some very interesting interactions with people when they find out I've done so. Some are socially awkward, some rude, some confused and other bizarre reactions. Has anyone else experienced what I have? Yes, I have experienced all of the above. I retired at 55. The first re...
by Hockey10
Fri Jul 13, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Logging out 20 acre lot?
Replies: 37
Views: 2423

Re: Logging out 20 acre lot?

Have you tried selling it to the adjoining property owners? (FYI: I know that part of the world quite well. There's nothing there but scrubby timberland and a federal prison.) +1 I once owned some land in NC. I was finally able to sell it by knocking on the door of the adjacent homeowner. I was luc...
by Hockey10
Mon Jul 09, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Beach Chair Recommendations
Replies: 6
Views: 668

Re: Beach Chair Recommendations

We have the Tommy Bahama backpack chairs. They each have 2 pockets in the back with one being a cooler pocket and the other being a regular pocket. I put a small icepack, bottle of water, and a sandwich in the cooler pocket. The other pocket holds everything from sunscreen to bug spray to a book, et...
by Hockey10
Sun Jul 08, 2018 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2363

Re: E- Billing & Autopay

Go paperless and write a very detailed letter of instruction for your survivors that explains how you pay bills. Include a list of subscriptions / auto-payments. For any bills that can be automated via credit card payments without incurring any extra charges, go for it. My electric company charges a...
by Hockey10
Sun Jul 08, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a job in a less desirable city if you had to work fewer days?
Replies: 40
Views: 2867

Re: Would you take a job in a less desirable city if you had to work fewer days?

I hate to break this to you, but your current 5 day schedule of 0830 - 1630 is easy. I would have loved to be out of the office by 1630 each day. For most of my years in the corporate world, the standard schedule was 0800 - 1700. For me a typical day was more like 0730 - 1730. My more motivated coll...
by Hockey10
Sun Jul 08, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Retirees...what’s your lunch menus?
Replies: 54
Views: 4301

Re: Retirees...what’s your lunch menus?

Yoplait light yogurt (usually cherry flavor), followed by a small portion of something unhealthy such as some nacho chips.
by Hockey10
Sun Jul 08, 2018 4:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 110
Views: 22467

Re: favorite bogleheads posts?

Any thread that ends with: "This thread is locked, by Lady Geek". :happy
by Hockey10
Sun Jul 08, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3256

Re: What do you pay for home services?

For the landscaping, find a teenager that lives in your neighborhood. They will be much cheaper than the professional types.
by Hockey10
Sun Jul 08, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Used Honda - How to confirm it was serviced on time?
Replies: 18
Views: 1186

Re: Used Honda - How to confirm it was serviced on time?

If he never changed the tires after 75,000 miles of driving, they may be an immediate safety hazard.
by Hockey10
Fri Jul 06, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Pitfalls of real estate investing
Replies: 39
Views: 3941

Re: Pitfalls of real estate investing

Before you invest, answer this question: What would you do when a tenant calls at 9 PM on a Tuesday night in February saying that there is water leaking through his bedroom ceiling (from snow melting in a clogged up gutter)? When I got that call many decades ago, I went out on the roof and unclogged...
by Hockey10
Fri Jul 06, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Tire experts? Can I trust a patched tire?
Replies: 42
Views: 2890

Re: Tire experts? Can I trust a patched tire?

I have had a tire patch about once every 3 years since the early 1980s. I have never had a problem after the patch. For some reason, my tires seem to attract nails and screws that are left on the street by lazy contractors.... :annoyed
by Hockey10
Fri Jul 06, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody use Personal Capital to advise them?
Replies: 23
Views: 3394

Re: Anybody use Personal Capital to advise them?

I have always ignored their calls and e-mails for advisory services. I like their platform and use it almost daily as a means of seeing what is going on with my accounts, especially the multiple credit cards that my wife and I have. It is a good way for me to keep track of our expenses, and to quick...
by Hockey10
Tue Jul 03, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5299

Re: Rodents ate my car!

Trade the Toyota in for a Honda
by Hockey10
Tue Jul 03, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4207

Re: Will I ever be able to itemize?

Rupert wrote:
Tue Jul 03, 2018 11:04 am
You're lucky. Itemizing can be a pain.
+1

I have been itemizing for as long as I can remember. I look forward to taking the standard deduction for my 2018 taxes.
by Hockey10
Sat Jun 30, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Vacation- home precautions?
Replies: 11
Views: 1487

Re: Vacation- home precautions?

1. turn off water main 2. turn off hot water heater 3. turn off AC in summer ; lower heater temperature in winter 4. have at least one light on a timer 5. stop mail from post office 6. cut grass the day before you leave ; in the Fall, pick up leaves the day before you leave 7. tell your most trusted...
by Hockey10
Fri Jun 29, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 93
Views: 6127

Re: What are you learning or studying?

I am currently learning to speak Italian for an upcoming trip later this year. Using a 6 month subscription to Rosetta Stone, which cost $77. I will cancel it before they auto-renew me and start charging a much higher price. I am spending about 50 minutes per day over a 20 week period to complete th...
by Hockey10
Fri Jun 22, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Most vs. Least satisfying home impovements
Replies: 35
Views: 3504

Re: Most vs. Least satisfying home impovements

Most: converting from oil to natural gas ; this cut the heating bill in half :D

Least: putting in new plants which mostly died within a year :x
by Hockey10
Thu Jun 21, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5131

Re: Road trip Pennsylvania,Maryland,and DC

Stay until they close then drive north 20 minutes to another DuPont treasure: Longwood Gardens https://longwoodgardens.org/ . It will be too late to see the gardens but you'll be in time to catch the fountain show after dark. Eat at the 1906 Restaurant inside Longwood and time your reservation so y...
by Hockey10
Thu Jun 21, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Is a Donor Advised Fund worth it? (Strategy)
Replies: 30
Views: 2009

Re: Is a Donor Advised Fund worth it? (Strategy)

Like Hockey10 I put chunk into a DAF last year before tax law changed. A big advantage for me was the ability to donate anonymously. Before, if I donated say $300 to a charity, I was inundated with pleas to buy a charitable annuity. The fee deterred me for a time, but on balance I find it worth it....
by Hockey10
Thu Jun 21, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Is a Donor Advised Fund worth it? (Strategy)
Replies: 30
Views: 2009

Re: Is a Donor Advised Fund worth it? (Strategy)

I set up a Donor Advised Fund with Fidelity about a year ago and I have found it to be very useful. I funded the account with some stock that had significant unrealized long term capital gains. This gave me a nice tax deduction in 2017 (before the tax law changed). The process for donating to a char...
by Hockey10
Sun Jun 17, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Italy Trip Questions
Replies: 33
Views: 1975

Re: Italy Trip Questions

The cost of the plane tickets will also depend on what time of the year you travel. I once went to Italy in March and the flights were not expensive at all.

Check out the Ricks Steves Italy forum for lots of good advice:

https://community.ricksteves.com/travel-forum/italy
by Hockey10
Sat Jun 16, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 456
Views: 102088

Re: Anyone regret paying off mortgage early?

Nope. There is no substitute for a good night's sleep.

Prior to paying off the mortgage, I spent many nights asking myself if I should pay it off or not. After the mortgage balance was zero, I never thought about it again. :sharebeer
by Hockey10
Wed Jun 13, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Confused about 2018 capital gains tax rules
Replies: 11
Views: 1360

Re: Confused about 2018 capital gains tax rules

Said another way, if all of your income is from long term capital gains and you take the $24,000 standard deduction for married filing jointly, your long term gains can be $101,000 and you would pay no federal income tax on taxable income of $77,000. But, I am sure that California state taxes will t...
by Hockey10
Tue Jun 12, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 7360

Re: Boring Job

Have you told your boss that you have the capacity to take on more work?
by Hockey10
Sat Jun 09, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 5329

Re: Rowing machine motivation

Read the local obituaries each day and look for people who are near your age. That should motivate you. :twisted:
by Hockey10
Fri Jun 08, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: College: extraneous expenses
Replies: 32
Views: 2952

Re: College: extraneous expenses

If you rent books, don't forget to return them. My daughter learned the hard way on that subject. :oops: You will eventually move out of the dorm and into an apartment. Read every single word in the apartment lease agreement. Pay particular attention to the things that need to be done when you move ...
by Hockey10
Fri Jun 08, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in Florida but you are hundreds of miles away
Replies: 33
Views: 2790

Re: Buying a house in Florida but you are hundreds of miles away

They should rent a place for 6 months to a year before buying to make sure they like the location. Living in Florida isn't for everyone. I would suggest even longer. Maybe a year or two. It takes a while to figure out if you made the right move and to find the right neighborhood. +1 And, purchase w...
by Hockey10
Fri Jun 08, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: College: extraneous expenses
Replies: 32
Views: 2952

Re: College: extraneous expenses

Here is a thread from a few months ago that may help you.

viewtopic.php?f=11&t=245457
by Hockey10
Tue Jun 05, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Driving through Venice - Stay in Venice or Mestre??
Replies: 9
Views: 907

Re: Driving through Venice - Stay in Venice or Mestre??

My wife and I will be in Venice later this year for the first time. As we were planning the trip, I looked for opinions on whether or not to stay on the mainland from both Trip Advisor and the Rick Steves Italy forum. For every person on these sites that advocated staying on the mainland, there must...
by Hockey10
Thu May 31, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Citi Slashes Card Benefits at least on Double Cash cards
Replies: 27
Views: 3108

Re: Citi Slashes Card Benefits at least on Double Cash cards

I would not be surprised to see banks cutting back on some card benefits as delinquency and loss rates tick upwards. Losses hit a low in 2015/16 and have been gradually rising since then. I used the Citi Price Rewind on a refrigerator purchase. I was surprised how easy it was. With about 2 minutes o...
by Hockey10
Wed May 30, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Splurging on the NBA finals
Replies: 56
Views: 5127

Re: Splurging on the NBA finals

Go for it. As I get older, I realize that an occasional splurge on a special experience is more important than having a few extra $ in my investment accounts. One item on my bucket list is to attend a Philadelphia Flyers game in June (which would be very expensive :moneybag ). I am ready, willing, a...
by Hockey10
Mon May 28, 2018 1:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY 2018
Replies: 28
Views: 2660

Re: MEMORIAL DAY 2018

Taylor - thanks for your timely Memorial Day message and for your service. I had trouble sleeping last night, so I got up at about 0200 and turned on the TV and watched The Battle of the Bulge . I have seen the movie many times, but the fact that I am now corresponding with someone who fought in the...
by Hockey10
Tue May 22, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: property tax assessment
Replies: 9
Views: 950

Re: property tax assessment

Every county / taxing jurisdiction will be different, but here is my experience. I did an appeal once and it was a frustrating process. I did get some relief on the assessment of my property but it was nowhere close to the real market value. I hired an appraiser to represent me, which helped, but th...
by Hockey10
Mon May 21, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing ways to protect ones financial identity
Replies: 11
Views: 1274

Re: Comparing ways to protect ones financial identity

Sign up for Informed Delivery from the USPS. You will get an e-mail each morning with a picture of the envelopes that will be delivered that day.
by Hockey10
Mon May 21, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4561

Re: Buying a Vacation Rental Property as an Investment

My wife and I own and rent two beachfront condos in SWFL. Much of what has been posted regarding the amount of work that goes into managing and maintaining the properties is true. The key is to do your research. Know the market in terms of what is a good value to purchase a property, but always bac...
by Hockey10
Sun May 20, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring soon - some questions
Replies: 27
Views: 3365

Re: Retiring soon - some questions

First, this is a great thread. Thanks to livesoft, Watty, and others who have provided some very thoughtful advice. Second, I went through the same back and forth late last year in trying to decide between Roth conversions and ACA subsidy for 2018. My conclusion was the same as marcopolo above. The ...
by Hockey10
Fri May 18, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Quadcopter Drone anybody? - for beginner
Replies: 15
Views: 1182

Re: Quadcopter Drone anybody? - for beginner

Before you buy one, read up on all of the rules and regulations as to where you can fly it. My adult son owns one, and when he tells me where he last flew it, my first question is are you allowed to fly there. The FAA takes this very seriously.
by Hockey10
Fri May 18, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3795

Re: Road trip Newark NJ to Albany

Be sure to stop by at West Point. There is a beautiful view of the Hudson from campus. They have a tour bus that drives visitors around campus.
by Hockey10
Wed May 16, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Selling land FSBO help please
Replies: 27
Views: 1418

Re: Selling land FSBO help please

Contact the owners of the adjacent properties and see if they want to buy your land.. Maybe you will get lucky. I once sold a vacant lot by knocking on the door of the next door neighbor. This was in a community that was about 90% vacant lots and 10% homes.
by Hockey10
Mon May 14, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Buying land in central FL
Replies: 55
Views: 5464

Re: Buying land in central FL

I once bought a vacant lot in NC. It was probably the worst financial decision I ever made. Do not buy vacant land unless you are planning on building on it within 6 months. Shortly after buying the NC lot, I started getting bills for water and sewer. :shock: This was never mentioned during the sale...
by Hockey10
Sun May 13, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Advice on building a timeless mens wardrobe?
Replies: 68
Views: 5519

Re: Advice on building a timeless mens wardrobe?

If you are physically fit, stay there for the rest of your life. If you are not physically fit, get in shape, and then stay there for the rest of your life. I was in great shape when I left the Army. But, during 3 decades in the corporate world, I added 40 pounds at one point. I am now back to my Ar...
by Hockey10
Thu May 10, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Florida road trip - what towns to stay in?
Replies: 28
Views: 1867

Re: Florida road trip - what towns to stay in?

I grew up in Florida and I kind of like this. I’d say Melbourne beach or Indiatlantic instead of Titusville. Having said that, in January there is a good chance that everything except south Fl will be windy and cold. Water will be in the 60s. The east coast is windier and rougher than west coast. I...
by Hockey10
Wed May 09, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Florida road trip - what towns to stay in?
Replies: 28
Views: 1867

Re: Florida road trip - what towns to stay in?

You mention walking on the beach. You should be aware that the Keys essentially have no beaches other than a few man made attempts at a beach. Depending how important this is to you, you should possibly consider places like Daytona Beach, Ft. Lauderdale, Fort Myers Beach and Sanibel. There are othe...
by Hockey10
Wed May 09, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Florida road trip - what towns to stay in?
Replies: 28
Views: 1867

Re: Florida road trip - what towns to stay in?

Researcher has you staying in four different places in the Keys. I don't see any need to move three times. I'd reduce that to maybe just one place such as Marathon for three nights and see the Keys from there. The one night saved I'd spend in Sanibel. You might also consider Fort Lauderdale for one...
by Hockey10
Wed May 09, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Florida road trip - what towns to stay in?
Replies: 28
Views: 1867

Florida road trip - what towns to stay in?

My wife and I are planning a road trip next winter (probably in January). We will be driving down the entire east coast of Florida to Key West, then up the west coast to Tampa. We have family in the Tampa area, so the second part of the trip will be spent with them. My question is about the days we ...