Search found 306 matches

by Hockey10
Sat Oct 06, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Income (US vs Europe)
Replies: 55
Views: 3679

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: 4478

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: 389

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: 1696

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: 2231

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: 1850

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: 1848

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: 1132

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: 3881

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: 8238

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: 2626

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: 1174

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: 2578

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: 2276

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: 4786

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: 2701

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: 3944

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: 2631

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: 1508

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: 9704

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: 3123

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: 3340

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: 2695

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: 2579

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: 2579

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: 4664

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: 4664

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: 5224

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: 2124

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: 25272

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: 9505

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: 1217

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: 1217

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: 698

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: 799

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: 799

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: 2630

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: 3224

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: 3776

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: 3074

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: 4996

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: 4941

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...
by Hockey10
Tue Jul 31, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: rat/mice in crawl space - exclusion work price reasonable?
Replies: 12
Views: 1011

Re: rat/mice in crawl space - exclusion work price reasonable?

We have a crawl space that has an opening into the unfinished part of our basement. I used to catch about 5 or 6 mice per year at the entrance to the crawl space. About 7 years ago, I had the rim joist around the entire basement and crawl space treated with spray foam insulation. Since then, I have ...
by Hockey10
Sun Jul 29, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Why dont people sit outside more? And how to deal with bugs?
Replies: 50
Views: 5485

Re: Why dont people sit outside more? And how to deal with bugs?

I sit outside to read often. I won't if it is raining, or very hot (> 90), or too cool (<50). In the summer, the bugs start biting after about 1800, so I put out 2 citronella candles next to my chair. I only use bug spray if the bugs are really bad, which is rare at my house.
by Hockey10
Sat Jul 28, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Loss Aversion, Happiness, and choices
Replies: 17
Views: 1903

Re: Loss Aversion, Happiness, and choices

At the peak of the real estate market (circa 2005 / 2006), a neighbor down the street listed their house at a ridiculous price - about 30% higher than the true market value. The house is at the bottom of a hill, was not very desirable, and had persistent water problems in the basement. About 9 month...
by Hockey10
Fri Jul 27, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 6387

Re: Hold one stock 25 years

David Jay wrote:
Thu Jul 26, 2018 3:22 pm
Kodak, Polaroid, Nortel, Worldcom, Palm...

No way I want to bet on any one company for 25 years.
I bought Palm at $35 and sold it for $3. :oops: :oops: :oops: :oops: :oops:

That was a long time ago, and with the help of Bogleheads, I would like to think that I am now a bit wiser.
by Hockey10
Wed Jul 25, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Pet burial
Replies: 26
Views: 2350

Re: Pet burial

I had this same question a few years ago when our pet rabbit died. I had no idea what to do (wished I knew about Bogleheads back then), so I sent an e-mail to some of the guys at work asking for their opinion. Here were the replies: - my boss said to put the rabbit in the trash can - his boss said t...
by Hockey10
Sun Jul 22, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: "4 Reasons Why We Overcomplicate Investing"
Replies: 30
Views: 5191

Re: "4 Reasons Why We Overcomplicate Investing"

Taylor - thanks for the link. Quote from Allan Roth in the article: " Taxes . I admit that my own portfolio is far more complex than these three funds. That’s because these funds didn’t exist when I started investing and I’d have to pay very high capital gains taxes to reach simplicity." This is so ...
by Hockey10
Sun Jul 22, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: What have been your experiences in purchasing a plot of land to build a someday home?
Replies: 17
Views: 1962

Re: What have been your experiences in purchasing a plot of land to build a someday home?

Sounds like someone is trying to get rid of it to eliminate the annual fees much as people do with timeshares. I wouldn't advise buying it unless you have firm plans to build within the next eighteen months or two years. Otherwise you are basically buying a dream. +1 Don't buy the land unless you p...