Search found 158 matches

by Hockey10
Mon Jan 22, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Question re 2018 tax rates
Replies: 13
Views: 1452

Re: Question re 2018 tax rates

All this information is available in IRS Publication 17, Chapter 20. The publication is available for downloading at the IRS website www.irs.gov. Printed copies of Pub 17 are no longer available by mail. While no longer available from the IRS by mail, you can purchase Pub 17 from Amazon for $10. I ...
by Hockey10
Thu Jan 18, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing real estate in Philly
Replies: 13
Views: 1276

Re: Purchasing real estate in Philly

For the Home Inspector, don't just automatically use the one that is recommended by the realtor. It is better to pick one yourself. The one that the realtor recommends may be very good, or may be just a rubber stamp to make sure that the deal goes through without any problems. Face it, there are a l...
by Hockey10
Wed Jan 17, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Travel to Rome Italy - Recommendations
Replies: 23
Views: 1517

Re: Travel to Rome Italy - Recommendations

A great spot in Rome for some tranquility is the Terrazza del Pincio, which is directly above the Piazza del Popolo. There are quite a few steps to climb, but once you get to the top, you will have a great view of the city, especially at night. A tip for buying tickets to the Colosseum - buy them at...
by Hockey10
Mon Jan 15, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 43
Views: 2418

Re: Recommend an A.C. powered auto tire inflator

Agree with the recommendations to get a small compressor and a well made separate gauge... An inexpensive pancake style compressor will not be much more money than a "good" infiltrator and will last far longer. It will also fill your tire in seconds rather than minutes. Whoever suggested using a bi...
by Hockey10
Thu Jan 11, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: House water detection and alert system?
Replies: 41
Views: 2518

Re: House water detection and alert system?

Hi, I live in the northeast where the risk of pipe burst is a real concern. I have seen and heard others who has their whole house flooded. Are there technologies/products out there that will alert me whenever water is detected? I know there are $10 water sensor I can get from HomeDepot, but that d...
by Hockey10
Wed Jan 10, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 3998

Re: Men's no iron dress shirt recommendations

Another vote for L.L. Bean. Their shirts usually run ~$50, but if you snag a sale you can find them for $25. I have some shirts from them that are 5 years old. Still feel solid, look like new and come out of the dryer wrinkle-free. Also with LL Bean, you can return the shirts at any time for any re...
by Hockey10
Mon Jan 08, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Car recommendations needed for growing family
Replies: 34
Views: 1994

Re: Car recommendations needed for growing family

We owned 3 different minivans back in the days when our kids (3) were all still at home. The best one by far was the Honda Odyssey. (The others were a Dodge and a Chrysler). Not only was it perfect for transporting a lot of people, you could also put tons of stuff in the back on a trip to Home Depot...
by Hockey10
Sun Jan 07, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: Recessions in the USA (list) - Where are we now? Actionable Steps?
Replies: 31
Views: 2503

Re: Recessions in the USA (list) - Where are we now? Actionable Steps?

MNS CA wrote:
Sun Jan 07, 2018 3:28 pm
Bacchus01 wrote:
Sun Jan 07, 2018 12:45 pm
I would be perfectly happy with a recession that creates a market pullback for a few quarters. It allows me to TLH and buy at presumably lower prices. I don’t need it for 20 years, however.
What does TLH stand for?
Tax Loss Harvesting.

https://www.bogleheads.org/wiki/Tax_loss_harvesting
by Hockey10
Wed Jan 03, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Online High yield savings account for emergency funds
Replies: 23
Views: 1772

Re: Online High yield savings account for emergency funds

CIT Bank shows 1.55% on their website today. I think this is a new rate in the past day or so. I have an account there. I have found their telephone customer service to be good, but their website is a bit clunky (not nearly as user friendly as Ally Bank). https://www.bankoncit.com/high-yield-savings/
by Hockey10
Wed Jan 03, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Frozen Pipes
Replies: 30
Views: 3419

Re: Frozen Pipes

Before you do anything, make sure you know where your water main shutoff valve is located. We once had frozen pipes due to the heater not working while we were away. When we got home and discovered the problem, we called the HVAC guy who came out and got the heater working. Within about 5 minutes, w...
by Hockey10
Sat Dec 30, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: NC or SC beach area summer rentals for big group
Replies: 19
Views: 1021

Re: NC or SC beach area summer rentals for big group

We did this many years ago in Nags Head in a large oceanfront house for 4 different families. The kids were too young for school, so we did it in the 2nd week of Sept. The crowds were mostly gone and the weather was perfect. I picked out the house 1 year in advance on a trip there with just my famil...
by Hockey10
Thu Dec 28, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Smart Home: Google, Apple, or Amazon?
Replies: 36
Views: 2796

Re: Smart Home: Google, Apple, or Amazon?

We received the Echo Show for Christmas and installed it on the kitchen counter. It looks like a small TV set. It has a very good speaker. This is our first smart home device, and I am very impressed. Since I am already an Amazon Prime member and use Amazon Photos and Amazon Music, it has worked out...
by Hockey10
Thu Dec 28, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle and Vanguard’s $5,000,000,000,000 Question - Philadelphia Magazine
Replies: 41
Views: 6249

Re: Jack Bogle and Vanguard’s $5,000,000,000,000 Question - Philadelphia Magazine

Quote from Mr. Bogle in the article: “If the market return is seven percent, the active manager gives you five after that two percent cost, and the index fund gives you 6.96 after that four basis-point cost,” Bogle recently explained to the podcast Freakonomics. “You don’t appreciate it much in a ye...
by Hockey10
Sat Dec 23, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Where to stay - Venice & Rome
Replies: 21
Views: 1247

Re: Where to stay - Venice & Rome

Here is another hotel recommendation for Rome. We have twice stayed at the Hotel Madrid Roma, which is near the Spanish Steps. The staff speaks English and they have an elevator. It will fit into your price range. It is within a 15 minute walk of most of the major Roman sites. We did walk to the Vat...
by Hockey10
Fri Dec 22, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for month of the year to retire
Replies: 33
Views: 2521

Re: Strategy for month of the year to retire

If you are planning on using Cobra, I think June 1 is the best date. Your existing health insurance should cover you for the rest of June if you work at least 1 day in June. Then Cobra kicks in on July 1 and takes you to the end of the following year. But, be sure to check with your HR department on...
by Hockey10
Tue Dec 12, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: NBA Tickets
Replies: 24
Views: 1444

Re: NBA Tickets

Since your dates are flexible and your goal is to only see a game, wait for a mid-week game against a bad team. A Tuesday night game in the middle of Feb vs. a last place team will cost a lot less than a Saturday game vs. a good team. As others have said, try Stub-Hub. About 3 years ago, the Sixers ...
by Hockey10
Sat Dec 09, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: John T. Reed (real estate) reading suggestions
Replies: 6
Views: 739

Re: John T. Reed (real estate) reading suggestions

I read "Aggressive Tax Avoidance For Real Estate Investors" a long time ago. A few years later, I went to the bookstore and was looking for a book on coaching Little League baseball. I bought a book, then realized later that the author looked familiar. It was Reed. He is an interesting character. I ...
by Hockey10
Sat Dec 09, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 6194

Re: Does this happen to you? Educating friends about personal finance

Whenever one of the young guys at work had their first child, I would politely suggest to them that they start saving for college immediately. They were always receptive to my advice. Then there were a couple of guys in their 40s who each had multiple teenagers. They asked me when I started saving f...
by Hockey10
Sat Dec 09, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 16855

Re: Save all this money, what do you splurge on?

After decades of buying nose-bleed seats at various events (usually to see a below average Philly team lose :( ), I now splurge occasionally for expensive tickets. Recent examples: - Bocelli concert last night - Lower level seats to one or two Flyers games per year - Penn State / Michigan game in 20...
by Hockey10
Sat Dec 02, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Empty nesters, how did your finances change when the birds left the nest
Replies: 25
Views: 2392

Re: Empty nesters, how did your finances change when the birds left the nest

I always treated the kids college savings accounts as a separate pot of money that was added to for 18 years and never touched until the first tuition bill came in freshman year. Once you start paying college expenses from that account, your regular day to day expenses go down and the complexity of ...
by Hockey10
Sat Dec 02, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Buy Warranty for Bosch Appliances?
Replies: 15
Views: 990

Re: Buy Warranty for Bosch Appliances?

I never buy extended warranties on anything, but, I made an exception last year on a Bosch dishwasher. This was only because we have had bad luck with dishwashers. The previous one was a Kenmore which turned out to need service on several occasions. :annoyed This is our first Bosch appliance. It is ...
by Hockey10
Fri Dec 01, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Should I consider a travel Credit Card?
Replies: 30
Views: 2254

Re: Should I consider a travel Credit Card?

As others have said here, start reading sites like "The Points Guy" and "FlyerTalk". Since you will be doing a lot of International travel, sign up for Global Entry, so you can breeze through Customs on your way back into the US. This also enrolls you in TSA Pre-check which will make getting through...
by Hockey10
Fri Dec 01, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Win Bigly - Scott Adams
Replies: 26
Views: 3850

Re: Win Bigly - Scott Adams

I have not read the book, but one of the first things I do each day is to check in on Dilbert and his Pointy Haired Boss. :)
by Hockey10
Fri Dec 01, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 3620

Re: housing for in-laws

Go for the Man Cave, or at the very least a good set of noise cancelling headphones. My MIL lived with us for 9 years, and she did not speak English. In our case, she was a huge help around the house especially with watching the kids and working in the kitchen. We converted our first floor living ro...
by Hockey10
Wed Nov 29, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 4255

Re: Luggage Update for Travel

I won't ever check a bag again. I travel carry on only and I highly recommend backback bags that easily fit in the smallest overhead bin and have comfortable padded backpack straps and a waist belt. When you get off the plane and walk up and down stairs in the airport or train station or along the ...
by Hockey10
Wed Nov 29, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 4255

Re: Luggage Update for Travel

I fail to see what the big deal is about checking a bag. I've never had one lost in dozens of business trips, and in most cases,it only takes an extra 5 minutes or so to retrieve. On my first trip to Europe, my wife and I landed in Rome. Our checked bags landed in Mexico City. :annoyed From that mo...
by Hockey10
Sun Nov 19, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance
Replies: 2
Views: 413

Re: Health Insurance

Go on Healthcare.gov before Dec 15 and plug in your numbers as if you are already retired or working only part-time. This will give you an idea of what your monthly cost would be after subsidies for 2018. Be sure to educate yourself on the subsidy cliff - go over your Modified adjusted gross income ...
by Hockey10
Tue Nov 14, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Wireless - Asking for a lower rate
Replies: 21
Views: 2531

Re: Verizon Wireless - Asking for a lower rate

Verizon has discounts for many employers if you work at a megacorp. I have a discount with them currently due to my current employer (the government), but before I was here they had a discount for my megacorp. Couldn't hurt to ask. Verizon Wireless also gives discounts to the Military, including th...
by Hockey10
Wed Nov 08, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insruance Payment
Replies: 29
Views: 1705

Re: Auto Insruance Payment

I pay USAA monthly with a credit card. There are no extra charges for using a credit card, and they give you a discount if you are on auto-pay.
by Hockey10
Mon Nov 06, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: The power of cancellation
Replies: 15
Views: 2741

Re: The power of cancellation

I just renewed Sirius XM last week for $25 for 5 months (plus $3 in taxes) for the "XM Select" package. They have my account set on auto-renew for $18 per month when the 5 month "trial" expires, but I always call in the day before it expires and tell them that I can only afford the $5 per month plan...
by Hockey10
Wed Nov 01, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Improving my online exposure - email change
Replies: 2
Views: 495

Re: Improving my online exposure - email change

I did the same exact thing earlier this year. I set up a new email address strictly to be used for my financial accounts. The results were a mixed bag. Some institutions sent emails to the old and new accounts while others did not send to both. It was disappointing. A nice benefit of the new setup i...
by Hockey10
Wed Nov 01, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Aeroseal for Duct work
Replies: 10
Views: 906

Re: Aeroseal for Duct work

I saw Aeroseal a few years ago on This Old House. The concept is interesting. Rich Trethewey says in the video below that Aeroseal is the best solution he has seen for leaky ductwork.

https://www.youtube.com/watch?v=y9k_FaHE7g8
by Hockey10
Sun Oct 29, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 16519

Re: What was the main reason you retired?

I read the obituaries every day. When I got to my mid-50s, I really started to notice the listings for those who pass that are my age or younger. While working, it felt like everything I did at work and at home was rushed. There was rarely enough free time to relax. I did a limited amount of exercis...
by Hockey10
Sat Oct 28, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas in Jan/Feb?
Replies: 25
Views: 2363

Re: Vacation ideas in Jan/Feb?

Spring Training games start the last week of February. If you are in the Tampa area for example, there are plenty of teams including the Yankees, Phillies, and Blue Jays. It is very relaxing to take in a game on a sunny day in Florida when your friends back home are shoveling snow.
by Hockey10
Tue Oct 17, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: How best to sell lot zoned for apartment?
Replies: 8
Views: 877

Re: How best to sell lot zoned for apartment?

I once sold a vacant lot in a residential neighborhood by knocking on the door of the adjacent homeowner. After I introduced myself, the wife said that they had just purchased the vacant lot on the other side of their home. Her husband called me back later that day, and after a bit of price negotiat...
by Hockey10
Wed Oct 11, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 3236

Re: Boston area Relocation...major decision points

If you go down the relocation path, before you make your final decision as to a specific location, test the commute in both the morning and afternoon rush. I relocated to the western suburbs of Boston in the early 90s. I knew going into it that the commute was going to be rough. But it will wear you...
by Hockey10
Sat Oct 07, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 24
Views: 3097

Re: Email Security after equifax breach

I use a separate e-mail for my financial accounts. Other than a few financial institutions and me, nobody knows about this account. It is listed in my Letter of Instruction, so my heirs will be able to figure out where all my financial e-mails go to.
by Hockey10
Sat Oct 07, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: CC online purchase at BestBuy denied - related to recent credit freeze?
Replies: 22
Views: 1439

Re: CC online purchase at BestBuy denied - related to recent credit freeze?

Chase has a proactive Fraud department. Several years ago, I received a text from them asking if I had attempted to make a large purchase at an electronics store in NYC. The transaction had been declined. I called and they said the transaction was for $1400 at a Radio Shack store. Someone had a card...
by Hockey10
Fri Sep 29, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Email address compromised - HELP!!!
Replies: 28
Views: 2682

Re: Email address compromised - HELP!!!

time to abandon the old email address and get a new one. +1 Many years ago before DW had her own e-mail address, she bought something on-line and gave the company my e-mail address. I was then bombarded with dozens of spam e-mails daily for various internet shopping sites. :annoyed The only solutio...
by Hockey10
Thu Sep 28, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: My Smartest Financial Moves
Replies: 62
Views: 6517

Re: My Smartest Financial Moves

Silverado wrote:
Wed Sep 27, 2017 7:11 pm
Opened an IRA when I first went on active duty after ROTC.
I did the same exact thing. Opened a Vanguard IRA in the early 80s after very sharp 1LT suggested it to me. (I was just a dumb 2LT at the time).
by Hockey10
Wed Sep 27, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 77
Views: 10568

Re: My boneheaded financial mistakes

1. Bought a vacant piece of land in NC. Sold it 12 years later at a loss of about $2500. (Lesson learned - never buy land unless you plan on using it soon). :oops:

2. Bought stock in Palm (remember the Palm Pilot) at $35 per share during the dot com bubble. Sold it at $3 per share. :(
by Hockey10
Tue Sep 26, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Journal of my ride across Western Europe
Replies: 9
Views: 1329

Re: Journal of my ride across Western Europe

Raybo, thanks for the tour of Western Europe. Lots of great photos!
by Hockey10
Mon Sep 25, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Do you avoid risky adventures once you have the money?
Replies: 71
Views: 4540

Re: Do you avoid risky adventures once you have the money?

My risk taking changed quite a bit once I had children. It never changed due to wealth accumulation. +1 At age 22, I was a paratrooper in the Army. Since I was single with no dependents, I was a bit concerned for my own safety, but otherwise did not worry about it too much. Now that I am in my 50s ...
by Hockey10
Sat Sep 23, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Anyone used Amazon to buy household goods
Replies: 26
Views: 2197

Re: Anyone used Amazon to buy household goods

My last shampoo lasted 1.5 years. Wow! I learn something new from livesoft almost everyday, but I would be curious to know how he gets 1.5 years from a bottle of shampoo. :confused The possibilities that come to mind: a. he is the worst smelling guy in Texas b. he bought the 55 gallon drum size 1.5...
by Hockey10
Sat Sep 23, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for mid 50 age group
Replies: 35
Views: 3056

Re: Asset Allocation for mid 50 age group

80% stock, 10% bonds, 10% cash. This is the lowest equity allocation I have had since I started investing 35 years ago. I never owned any bonds until I was 50. Up until age 50, I was about 95 - 97% stock and 3 - 5% cash.
by Hockey10
Fri Sep 22, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 9398

Re: Age you retired

55.

3 years as an active duty Army officer and 30 years in the corporate world. I am already starting to forget what I did in the last 30 years. :confused

For some reason, the 3 years in the Army are locked in my memory like it was yesterday.
by Hockey10
Sat Sep 16, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: How can I be more savy about taxes?
Replies: 15
Views: 1907

Re: How can I be more savy about taxes?

A book will not be as good as those IRS publications. I've browsed books and they just repeat what is found in the IRS publications for the most part. Publication 17 is free and will get you started. I had a Tax Accounting class in college many decades ago. Over the course of a semester, we went th...
by Hockey10
Wed Sep 13, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for smartphones.
Replies: 31
Views: 3118

Re: Strategy for smartphones.

I will be buying the new Iphone 8 (in about 2-3 years).
by Hockey10
Tue Sep 05, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 4171

Re: How do you track expenses ?

I use Personal Capital. In addition to helping me track expenses, I use it as a tool to monitor my accounts for any fraud. Since I have multiple credit cards, bank accounts, and brokerage accounts, PC gives me a daily snapshot of everything in my financial world that took place yesterday.