Search found 199 matches

by Hockey10
Mon Apr 23, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Traveling to italy.........
Replies: 16
Views: 1339

Re: Traveling to italy.........

Italian train travel questions are asked on a daily basis at the Rick Steves Italy forum: https://community.ricksteves.com/travel-forum/italy There is a system wide time schedule change due to go into place around June 10, so if you are traveling after that date, you might not yet be able to see all...
by Hockey10
Thu Apr 12, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: House Flooded - Process with Insurance and Experience?
Replies: 13
Views: 1427

Re: House Flooded - Process with Insurance and Experience?

Shutting the water off takes no more than 15 seconds and is easy insurance against dealing with such a disaster. What about the water heater or water softener? don't these machines need new water to work properly or do you turn them off as well? what risks, if any, are there by turning off the wate...
by Hockey10
Thu Apr 12, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 90
Views: 8650

Re: Wanting to leave Fidelity

I have had very good experiences at Fidelity over many years with multiple brokerage and 529 accounts. If their standards of service continue at this level, I will be a customer for life.
by Hockey10
Mon Apr 09, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: Any value investor buying a Russia fund?
Replies: 92
Views: 5456

Re: A good time [price wise] to buy Russian Stocks?

If you want some international exposure, just buy the entire international market - ticker VXUS.
by Hockey10
Sat Apr 07, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: How do you estimate your home's market value?
Replies: 53
Views: 3405

Re: How do you estimate your home's market value?

I use comparable sales within the past 6 months to get a good idea (assuming there are several that are similar). I have found that Zillow in our area gets you in the right ballpark, although sometimes that puts you in the lower level behind home plate, while other times it puts you in the nosebleed...
by Hockey10
Wed Apr 04, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: House Flooded - Process with Insurance and Experience?
Replies: 13
Views: 1427

Re: House Flooded - Process with Insurance and Experience?

We had a toilet line break - the tiny connector for that flexible line from wall into tank... the old ones were metal. New ones are plastic. They apparently are often tightened too much... and break spontaneously... All of ours are now metal! Anyway, this was regular homeowner's insurance, not "flo...
by Hockey10
Wed Mar 28, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Checklist for Parents of Incoming Freshmen/To-Be Adult
Replies: 67
Views: 3946

Re: Checklist for Parents of Incoming Freshmen/To-Be Adult

The absolute best thing we did was to attend freshman orientation with our student. I had no idea parents were even invited, much less encouraged, to do such things. They certainly weren't in my day. The orientation was very eye-opening and informative, but the point they hammered repeatedly was, "...
by Hockey10
Mon Mar 26, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Should I proactively replace my central AC unit?
Replies: 33
Views: 2363

Re: Should I proactively replace my central AC unit?

I think it depends: * Will a new AC unit be much more energy efficient then your current one? * How tolerant are you of high temperatures without having the A/C running? * How was the average life expectancy for central AC units calculated? (I imagine it varies on your climate, usage and how dilige...
by Hockey10
Mon Mar 26, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Should I proactively replace my central AC unit?
Replies: 33
Views: 2363

Should I proactively replace my central AC unit?

My central AC unit is 22 years old. The last time we used it in September, it was still working perfectly. I have read some articles that say that the life expectancy of central AC units is approximately 15 years. It is a Trane, 4 ton, 13 SEER unit. My fear is that it is going to die in the middle o...
by Hockey10
Mon Mar 26, 2018 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Nice tax problem to have – Please Advise
Replies: 14
Views: 2666

Re: Nice tax problem to have – Please Advise

I would adjust my W2 each year as soon as I filed the tax returns for the prior year for both Fed and state. I found it much easier to have the taxes automatically taken from my paycheck than having to pay estimated tax.
by Hockey10
Mon Mar 26, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about capitulating on house
Replies: 34
Views: 4029

Re: Thinking about capitulating on house

My wife and I bought a 2400 square foot house in the suburbs shortly after we were married. There were comments from the in-laws at the time such as "why do you need such a big house"? :annoyed (The in-laws were all living in either row homes or twins in the city). Within 2 years, our household grew...
by Hockey10
Mon Mar 26, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: GE Microwave Weird Issue
Replies: 22
Views: 1835

Re: GE Microwave Weird Issue

It might be a bad switch. We have a GE microwave. About a year ago, it started to turn itself on when the door was opened. I did some internet research and found a couple of Youtube videos that showed the same problem. It was not too difficult to replace the bad switch, but you do have to buy the pa...
by Hockey10
Thu Mar 22, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Coffee maker recommendations
Replies: 41
Views: 2751

Re: Coffee maker recommendations

bungalow10 wrote:
Thu Mar 22, 2018 2:12 pm
I want a coffee maker in the master suite. Going down to the kitchen to make coffee in the morning, at least that first cup, takes up way too much of my time...
Maybe you should buy a smaller house...
by Hockey10
Thu Mar 22, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: New vs Used Camry vs Accord
Replies: 64
Views: 3719

Re: New vs Used Camry vs Accord

I have owned 4 Camrys and 2 Accords. You won't go wrong with either one. Whichever one feels better in the test drive is the one I buy.
by Hockey10
Wed Mar 21, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Chase Freedom Card 5% - any paypal tricks?
Replies: 12
Views: 2442

Re: Chase Freedom Card 5% - any paypal tricks?

Make a $1500 donation to Bogleheads.org using PayPal. :happy

https://www.bogleheads.org/support.php
by Hockey10
Wed Mar 21, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Opinions on Azek vs. composite (Trex/Timbertech)?
Replies: 13
Views: 1640

Re: Opinions on Azek vs. composite (Trex/Timbertech)?

We installed a Timbertech deck about 9 years ago and we are also in the Philadelphia area. Our deck faces East, so we get sun only in the morning hours. On a sunny day in the summer, the surface of the deck can get hot, but that is solved by not going barefoot and by having a large umbrella. The onl...
by Hockey10
Tue Mar 20, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Trust vs Will Gotchas
Replies: 20
Views: 2169

Re: Trust vs Will Gotchas

Read every word on every page, even if a lot of it is legal terminology that you may not understand. My parents were in the same situation as your parents in the early 1990s. They mentioned that they just had new wills and trusts drawn up. They told me that everything was going to be split evenly be...
by Hockey10
Sat Mar 17, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: If you knew a recession was coming, what would you do?
Replies: 57
Views: 6530

Re: If you knew a recession was coming, what would you do?

What would I do? Nothing. I am comfortable with my asset allocation and I see no reason to change it. I remember a quote from Jamie Dimon from roughly 10-15 years ago. His daughter was asking him about recessions. Dimon's response was that a recession is a normal part of the economic cycle and they ...
by Hockey10
Sat Mar 17, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Attic Ladder Installation - Whom To Call
Replies: 18
Views: 1352

Re: Attic Ladder Installation - Whom To Call

+1 for the insulated cover above the opening ; this area of the home is a major source of heat loss if you don't have it properly insulated
by Hockey10
Tue Mar 13, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: MLP Taxation Confusion [Master Limited Partnership]
Replies: 27
Views: 1571

Re: MLP Taxation Confusion

I owned an MLP once and would never buy one again, because of the taxes. After I sold it and filed the final tax return, I felt a great sense of relief.
by Hockey10
Mon Mar 12, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: College costs not covered by 529
Replies: 30
Views: 2396

Re: College costs not covered by 529

mcraepat9 wrote:
Mon Mar 12, 2018 1:04 pm
Hockey10 wrote:
Mon Mar 12, 2018 12:45 pm
- fitness center fee - $120
I think the question on that one is whether payment of this fee is required as a condition for enrollment vs a voluntary fee?
In this case, it was a voluntary fee. I think the OP was looking for any costs related to college that would not be covered by a 529.
by Hockey10
Mon Mar 12, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: College costs not covered by 529
Replies: 30
Views: 2396

Re: College costs not covered by 529

Here are a few items that come to mind: - season tickets to football games for student - approx $230 - fitness center fee - $120 - fraternity / sorority fee - I have seen this as high as $500 per semester and as low as $50 per semester - cost of attending a football game for the parents and 2 siblin...
by Hockey10
Wed Feb 28, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: My favorite CNBC program
Replies: 42
Views: 6016

Re: My favorite CNBC program

1. The Profit
2. Mad Money (for the sports commentary ; especially good when the Eagles win the Super Bowl :happy ).
by Hockey10
Sat Feb 24, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: What vacations or weekend getaways are you taking this summer?
Replies: 24
Views: 1753

Re: What vacations or weekend getaways are you taking this summer?

For Charleston, if you like military stuff, be sure to tour the USS Yorktown.

http://www.patriotspoint.org/
by Hockey10
Wed Feb 21, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 8044

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

Sandtrap, Here is a link to an article that discusses HSA plans (as MP123 mentioned above). I am not an expert, but if your 2017 plan was HSA eligible, you can contribute to it up to April 15 in order to reduce your MAGI for 2017. https://www.nolo.com/legal-encyclopedia/hsas-obamacare-combine-health...
by Hockey10
Mon Feb 19, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 9872

Re: Do you wear a wedding band? [at a job interview]

I always wore mine to work (for a job interview or just a regular day at the office). The only two times when I did not wear my ring on a regular basis were: 1. When I gained too much weight and it was impossible to get on my finger. 2. When I broke my ring finger playing ice hockey. However, in the...
by Hockey10
Sat Feb 17, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Recurring charges after compromised card
Replies: 8
Views: 583

Re: Recurring charges after compromised card

Because of this happening to me a few years ago, I now use a specific card for recurring transactions and for nothing else. The card never leaves the house. It was quite a hassle to change recurring charges for about a dozen different companies. I have a different card that I carry in my wallet and ...
by Hockey10
Thu Feb 15, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Digital alarm clock suggestions?
Replies: 38
Views: 2926

Re: Digital alarm clock suggestions?

I went through 3 different digital alarm clocks in a span of about 2 years. They all were highly rated on Amazon, but they all had issues. One was too loud and there was no way to lower the volume. One started going off at 0300 and the only way to shut it off was to pull the plug out of the wall. :x...
by Hockey10
Wed Feb 07, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Philadelphia and Pittsburgh local taxes
Replies: 12
Views: 896

Re: Philadelphia and Pittsburgh local taxes

About 25 years ago, Philadelphia started collecting taxes from athletes from visiting teams. This is known as the "Jock Tax". This can be quite lucrative for the city when the Yankees come to town for a few days. I don't know if this situation also applies to the OP, but Philly will look anywhere to...
by Hockey10
Tue Feb 06, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Review of tax software for trusts and estates
Replies: 69
Views: 8475

Re: Review of tax software for trusts and estates

Conclusion I can't believe these are the only options available. They are all relatively bad, but TaxAct seems to be the most consumer-oriented product. TurboTax pretends to be consumer-oriented, but requires all sorts of knowledge of workarounds and "bugs" to make sure it comes out right. A person...
by Hockey10
Mon Feb 05, 2018 4:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6422
Views: 1376943

Re: U.S. stocks in freefall

I blame today's drop on the Eagles. The same thing happened in 2008 when the Phillies won the World Series. It is a Philly thing. :sharebeer
by Hockey10
Mon Feb 05, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Do-it-yourself Trust Form 1041 for a Mac?
Replies: 6
Views: 537

Re: Do-it-yourself Trust Form 1041 for a Mac?

Amazon has TurboTax Business available for a Mac. https://www.amazon.com/TurboTax-Business-Software-Amazon-Exclusive/dp/B075B2RMT2 There is a distinction between "Turbo Tax Business", which handles Trust returns (and is not available for a MAC) and "TurboTax Home and Business", which does not do Tr...
by Hockey10
Mon Feb 05, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Do-it-yourself Trust Form 1041 for a Mac?
Replies: 6
Views: 537

Re: Do-it-yourself Trust Form 1041 for a Mac?

I just saw on the TaxAct website that they have Trust tax forms for 27 states.
by Hockey10
Mon Feb 05, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do-it-yourself Trust Form 1041 for a Mac?
Replies: 6
Views: 537

Re: Do-it-yourself Trust Form 1041 for a Mac?

TaxAct has an online version for 1041 Trust returns. Since it is online, you can log into it from a Mac (or Windows computer). I don't know however whether or not it supports any or all state trust tax returns.
by Hockey10
Thu Feb 01, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Trex Decking Without Fascia
Replies: 27
Views: 1673

Re: Trex Decking Without Fascia

I am not comfortable at all with doing this myself. I figured this is a pretty big deal and do not want to mess it up. Can anyone recommend any other brands that may be cheaper than Trex? We are really trying to spend the least amount of money as possible. That may sound like a bad idea, but I cann...
by Hockey10
Thu Feb 01, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Choosing which room to sleep in
Replies: 48
Views: 5145

Re: Choosing which room to sleep in

Which room is quieter from the street or other noise? I have lived in 4 houses where the master bedroom is in the front, and thus subject to noise from the street. Our current house has the master bedroom in the back, and there is virtually no noise. As I am a light sleeper, having a quiet bedroom ...
by Hockey10
Mon Jan 29, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads - Help us decide (home addition)
Replies: 14
Views: 1131

Re: Bogleheads - Help us decide (home addition)

Watch the movie named "Mr. Blandings Builds His Dream House". This will give you some ideas as to what might go wrong in a home construction project. Also, spend a lot of quality time in choosing your architect and builder.
by Hockey10
Mon Jan 22, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Question re 2018 tax rates
Replies: 13
Views: 1640

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: 1381

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: 1734

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: 2622

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: 2718

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: 4342

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: 2250

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: 2671

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: 48
Views: 6371

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/