Search found 173 matches

by nativenewenglander
Sun Mar 15, 2020 4:55 am
Forum: Personal Finance (Not Investing)
Topic: Pandemic, economy and buying big ticket items
Replies: 29
Views: 2897

Re: Pandemic, economy and buying big ticket items

We started the design phase of our new kitchen in December as I was tired of waiting for a recession to get it done. I was hoping to cherry pick the best local contractors in a recession, well sadly that looks to be coming together. The money is set aside to complete the project sometime in May.
by nativenewenglander
Sun Jan 26, 2020 8:35 am
Forum: Personal Consumer Issues
Topic: 2018 CRV vs 2018 Forester(Long term reliability)
Replies: 6
Views: 935

Re: 2018 CRV vs 2018 Forester(Long term reliability)

There is site specific to the Forester that you could post questions too. I belonged to it for the 8 years we owned our Forester. Our biggest issue with Subaru was the head gasket leaks both our cars developed and the heat shields that I had to fix often. We ended up with a 2019 CX5 Touring Edition ...
by nativenewenglander
Tue Jan 14, 2020 5:18 am
Forum: Personal Finance (Not Investing)
Topic: Jobs in small towns
Replies: 11
Views: 1272

Re: Jobs in small towns

I grew up in a town just outside Boston. My goal was to move to a small town in NH after college. I wanted to live in a place where others had to come to vacation, as I would be living that life 24/7. Fast forward 36 years and I am still living that life now retired. I ski almost everyday in winter....
by nativenewenglander
Mon Jan 06, 2020 6:08 pm
Forum: Personal Consumer Issues
Topic: 2015 Jeep Cherokee, transmission issues, warranty ending soon
Replies: 37
Views: 2113

Re: 2015 Jeep Cherokee, transmission issues, warranty ending soon

2015 model year JC - an unreliable car with an even worse transmission. Sell or trade it in while it still runs OK, learn your lesson, get something reliable next time, and in general stay away from most Chrysler products. Agree. You should get rid of it ASAP. Ask experienced mechanics what kind of...
by nativenewenglander
Mon Jan 06, 2020 6:03 pm
Forum: Personal Consumer Issues
Topic: 2015 Jeep Cherokee, transmission issues, warranty ending soon
Replies: 37
Views: 2113

Re: 2015 Jeep Cherokee, transmission issues, warranty ending soon

I would trade that in while it is still running well I think that's what we may do in mid-late April if we have no resolution, to get it done by May when the warranty is up. Not sure how we'd feel if the grinding doesn't happen anymore from now until then. I traded the diesel Liberty for $500 and b...
by nativenewenglander
Mon Jan 06, 2020 4:44 am
Forum: Personal Consumer Issues
Topic: 2015 Jeep Cherokee, transmission issues, warranty ending soon
Replies: 37
Views: 2113

Re: 2015 Jeep Cherokee, transmission issues, warranty ending soon

I've owned three Jeeps. The first a 1994 GC I drove for 325K never did a thing to it, The second a 1997 GK Orvis edition, a disaster we had engine and transmission issues. Fast forward to 2006 I traded the 1994 GC for a Liberty diesel used with 15K on it. My worst Jeep ever cost us 8K over 5 years. ...
by nativenewenglander
Thu Jan 02, 2020 6:15 pm
Forum: Personal Consumer Issues
Topic: which Subaru is best for a young driver?
Replies: 24
Views: 2681

Re: which Subaru is best for a young driver?

wheels were constantly coming loose even though they were torqued to the factory specs. I would suggest trading the mechanic, not the car. There's nothing special about Subaru wheels, studs or lug nuts. As with any alloy wheel, torque the nuts when putting the wheel on. Drive 50-100 miles and check...
by nativenewenglander
Thu Jan 02, 2020 5:36 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 533
Views: 143124

Re: My New Car Buying Tips

I emailed six or so dealers for our new 2019 Mazda CX5 Touring. Everyone of the dealers got back to me with a quote only one didn't include their administration fee. I sent a note to them stressing I wanted all the costs before I would decide. We live in a rural area with the nearest Mazda dealer 9...
by nativenewenglander
Thu Jan 02, 2020 5:27 am
Forum: Personal Consumer Issues
Topic: which Subaru is best for a young driver?
Replies: 24
Views: 2681

Re: which Subaru is best for a young driver?

We've had two Subarus since 2003 an Outback most recently a Forester. Both had rattling heat shields, leaked coolant because of head gaskets. The Forester leaked transmission fluid plus the wheels were constantly coming loose even though they were torqued to the factory specs. We traded the Forester...
by nativenewenglander
Wed Jan 01, 2020 12:55 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 533
Views: 143124

Re: My New Car Buying Tips

It does not surprise me that some of y'all are not being taken seriously by requesting emailed, OTD quotes. Imagine this --- you're a car dealership that gets hammered by these type of people. It takes time to craft an email and quote approved by the Sales Manager all the while it's plainly transpa...
by nativenewenglander
Sun Dec 29, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Subaru Outback CVT Transmission
Replies: 30
Views: 2061

Re: Subaru Outback CVT Transmission

I/we had a 2019 Subaru Outback Touring 2.5i-----and had both CVT transmission and electronic problems with it. Yes, it was covered under warranty, but getting it repaired was an absolute hassle; even though it only had 17K miles on the car, we finally gave up and traded it off. We went back to Toyo...
by nativenewenglander
Sun Dec 29, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: Subaru Outback CVT Transmission
Replies: 30
Views: 2061

Re: Subaru Outback CVT Transmission

We just traded in our 2010 Forester yesterday for a new Mazda CX5 Touring edition. I got tired of it leaking coolant, trans fluid, rattling heat shields. The trans slips sometimes with 115K. We had the same issues with the 2003 Outback. The CX5 has a non CVT six speed transmission, which is mated to...
by nativenewenglander
Sun Dec 29, 2019 4:54 am
Forum: Personal Consumer Issues
Topic: Skiing
Replies: 48
Views: 4636

Re: Skiing

Agree that boots are the most critical thing when buying equipment - your feet have to be comfortable. I also agree to rent again until you find again what works for you. All resorts have shops on the slope where you can rent a demo pair. Most places I have rented from tell you to bring them in dur...
by nativenewenglander
Fri Dec 27, 2019 7:39 am
Forum: Personal Consumer Issues
Topic: Strategy to work a deal when buying a car
Replies: 38
Views: 3179

Re: Strategy to work a deal when buying a car

We are looking to get a 2019 model early next year probably a Santa Fe. What strategy do people use to get a good deal at car dealers? I worked in sales my whole career, but boy do I hate buying cars. After looking at used and new cars and reading, reading and more reading we have decided on a new ...
by nativenewenglander
Fri Dec 20, 2019 5:36 pm
Forum: Personal Consumer Issues
Topic: Strategy to work a deal when buying a car
Replies: 38
Views: 3179

Re: Strategy to work a deal when buying a car

have them deliver the car to your home so you don’t have to deal with the people in the finance office LOL - great idea! Would you then request to sign the paperwork at your home? yup i’ve done this multiple times i typically use the community center at my community to maintain privacy others have ...
by nativenewenglander
Tue Dec 17, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: Strategy to work a deal when buying a car
Replies: 38
Views: 3179

Re: Strategy to work a deal when buying a car

We live in rural far northern NH so the nearest dealer is in Concord NH 2 hours away, Barre, VT 2 hours, Manchester, NH 2;15 hours, Nashua and Somersworth, NH both 2.5 hours. I won't be driving back for those free inspections for life or even an oil change.
by nativenewenglander
Mon Dec 16, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Strategy to work a deal when buying a car
Replies: 38
Views: 3179

Re: Strategy to work a deal when buying a car

worthit wrote:
Mon Dec 16, 2019 5:50 pm
Another viewtopic.php?t=124638 to check out.
I put this link in my negotiating file.
This is perfect.
by nativenewenglander
Mon Dec 16, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: Strategy to work a deal when buying a car
Replies: 38
Views: 3179

Re: Strategy to work a deal when buying a car

There are many posts, but here's one that laid out a process In short Settle on the vehicle you want (make, model, trim, accessories) email as many dealers as possible in a driving area... for us it's 3 hours Ask for out the door pricing, all fees they will charge you refuse to talk by phone, all b...
by nativenewenglander
Mon Dec 16, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Strategy to work a deal when buying a car
Replies: 38
Views: 3179

Strategy to work a deal when buying a car

We are looking to get a 2019 model early next year probably a Santa Fe. What strategy do people use to get a good deal at car dealers? I worked in sales my whole career, but boy do I hate buying cars.
by nativenewenglander
Mon Dec 16, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: Buying last year model car when new models are out
Replies: 44
Views: 3231

Re: Buying last year model car when new models are out

We are looking to get a 2019 model early next year probably a Santa Fe. What strategy do people use to get a good deal at car dealers? I worked in sales my whole career, but boy do I hate buying cars.
by nativenewenglander
Mon Dec 16, 2019 8:26 am
Forum: Personal Investments
Topic: Vanguard Wellesley fund in Fidelity
Replies: 17
Views: 1567

Re: Vanguard Wellesley fund in Fidelity

The investor shares (VWINX) have a 0.23% ER (versus 0.16% Admiral shares with 0.16%). Also heck to see whether Fidelity charges a $75 fee for each purchase of this Vanguard mutual fund. I checked my Schwab and Fidelity accounts, the VWIAX admiral shares are not listed as a choice. You have to own t...
by nativenewenglander
Mon Dec 16, 2019 7:33 am
Forum: Personal Investments
Topic: Vanguard Wellesley fund in Fidelity
Replies: 17
Views: 1567

Re: Vanguard Wellesley fund in Fidelity

I own it in Fidelity. People have talked about alternatives to Wellesley but I've never seen anything perform as it has. I only wish I could get the lower cost vwiax shares.
by nativenewenglander
Sat Dec 14, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: What are you giving (or asking) for Christmas?
Replies: 77
Views: 5431

Re: What are you giving (or asking) for Christmas?

We just bought new phones and laptops. We're looking at a Hyundai Santa Fe for my wife in the spring and a new kitchen this summer. My wife has her birthday on Christmas, so I'll bake her a cake as I do every year. I ordered two pounds of butter crunch from Uncle Sam's Candy, which will be in next w...
by nativenewenglander
Fri Dec 13, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Hyundai Palisade - A good option?
Replies: 29
Views: 3388

Re: Hyundai Palisade - A good option?

We are looking at the Santa Fe as a replacement for my wife's Forester next year. I like everything I read about Hyundai products. My wife currently has a 2016 or 2017 sante fe sport. It's a good car but the seats don't fold down flat in the back. They stay slightly elevated. We currently have two ...
by nativenewenglander
Fri Dec 13, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Hyundai Palisade - A good option?
Replies: 29
Views: 3388

Re: Hyundai Palisade - A good option?

We are looking at the Santa Fe as a replacement for my wife's Forester next year. I like everything I read about Hyundai products. Over the last four years my wife has gone from a 2011 Kia Optima to a 2015 Subaru Outback to a 2017 Mazda CX-5 and now to the 2020 top trim Santa Fe. She seems to be li...
by nativenewenglander
Thu Dec 12, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Hyundai Palisade - A good option?
Replies: 29
Views: 3388

Re: Hyundai Palisade - A good option?

We are looking at the Santa Fe as a replacement for my wife's Forester next year. I like everything I read about Hyundai products.
by nativenewenglander
Wed Dec 11, 2019 5:57 am
Forum: Personal Investments
Topic: Inheritance in wife’s name or both spouses?
Replies: 78
Views: 6360

Re: Inheritance in wife’s name or both spouses?

Personally I would keep it separate. My wife still benefits from my inheritance from the spin off income and if I pass first she gets it. She will one day receive money when her mom passes, then she can decide how to handle it. Should we divorce, I don't honestly know what would happen to the money....
by nativenewenglander
Sun Dec 08, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: Recommend Laptop
Replies: 79
Views: 5659

Re: Recommend Laptop

Apologies, I updated the OP to reflect budget. Hoping to get the qualites being sought in the range of $300 to $500, willing to budge if there's compelling reasons why that range isn't sufficient. The Lenovo S340 we use in our office I have connected to a 24 inch monitor from the old desktop along ...
by nativenewenglander
Sun Dec 08, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Recommend Laptop
Replies: 79
Views: 5659

Re: Recommend Laptop

I bought two Lenovo S340's recently. One for personal use one to replace office computer. They were $400-500 at Staples usually $800 I think. So far so good. Our old office desktop was Lenovo, it lasted 10 years with no issues.
by nativenewenglander
Sun Dec 08, 2019 6:37 am
Forum: Personal Consumer Issues
Topic: Classical Christmas Music Stations on Radio
Replies: 8
Views: 715

Re: Classical Christmas Music Stations on Radio

This is my go to music streaming site during the holidays.
https://www.accuradio.com/christmas-music/
by nativenewenglander
Sat Dec 07, 2019 4:56 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 418
Views: 30200

Re: Retirement Friendly States

States with no state income taxes: Washington, Nevada, Texas, Wyoming, South Dakota, Florida and Alaska NH has no income or sales tax. Although there is no income tax on W-2 income, NH does have a 5% tax on investments and dividends which would make NH, in many instances, not tax friendly for retir...
by nativenewenglander
Wed Dec 04, 2019 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 418
Views: 30200

Re: Retirement Friendly States

vu8 wrote:
Mon Nov 25, 2019 10:33 am
States with no state income taxes: Washington, Nevada, Texas, Wyoming, South Dakota, Florida and Alaska
NH has no income or sales tax.
by nativenewenglander
Mon Nov 04, 2019 5:10 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 630
Views: 89751

Re: Flaunt Your High-Mileage Car

I always worked in a road sales job, so I drove 50-60K a year here in northern New England. Last new car was a 1994 Jeep Grand Cherokee with a straight 6 cyl. I drove it for 325K. I traded it for a Jeep Liberty diesel I got used in the trade in with 25K on the clock. Worst repair vehicle ever, as I ...
by nativenewenglander
Mon Oct 14, 2019 4:01 am
Forum: Personal Consumer Issues
Topic: Recommendations for framing a large photograph
Replies: 12
Views: 1209

Re: Recommendations for framing a large photograph

I have used https://www.framedestination.com/ to purchase custom frames for six paintings and prints. They came out perfect and the shipping is very inexpensive. It cost 1/3 of what I was quoted from a local frame shop. After the first painting I ordered, I purchased all the matting choices, so I co...
by nativenewenglander
Mon Oct 07, 2019 5:48 am
Forum: Personal Consumer Issues
Topic: Kayaking & Fisherman - What is proper etiquette?
Replies: 33
Views: 4120

Re: Kayaking & Fisherman - What is proper etiquette?

I fish fly fish five days a week half in lakes and half in streams. Many times I have boats come within 75 feet of meet and it's no big deal. I don't think I can cast 75 feet even with a heavy spoon on my spinning rod. I would ignore the fisherman and chalk it up to a person who is having a bad day ...
by nativenewenglander
Fri Oct 04, 2019 3:59 am
Forum: Personal Finance (Not Investing)
Topic: [When my children marry, should they sign a pre-nuptial agreement?]
Replies: 95
Views: 8603

Re: Daddy I'm engaged! Pre-nup?

We're not hearing wedding bells yet but our son and daughter are both launching themselves... one in the military and the other is just finishing up college. I would appreciate some input on the unfamiliar (to me) subject of pre-nuptial agreements for children who get engaged. Someday our kids will...
by nativenewenglander
Wed Sep 04, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: Cold Air Penetrating Window Glass (Winter, Boston)
Replies: 30
Views: 2591

Re: Cold Air Penetrating Window Glass (Winter, Boston)

The first floor of our house was really cold last winter. Late in the winter I purchased a laser surface temperature gun, and started testing the window panes during the relatively few cold days remaining. When it was in the 30's outside, the inside of the windows read in the high 50s/low 60s when ...
by nativenewenglander
Sun Aug 25, 2019 7:32 am
Forum: Personal Consumer Issues
Topic: Bitten by a dog; owner took dog and ran away.
Replies: 19
Views: 4017

Re: Bitten by a dog; owner took dog and ran away.

We had a dog in our former neighborhood that would chase people on bikes or walking. The owner wouldn't do anything about it. She told me if I didn't like it to pepper spray the dog. One day I called the police when it came after my wife and I. I had had enough, no other neighbors wanted to be the b...
by nativenewenglander
Thu Aug 15, 2019 4:53 am
Forum: Personal Finance (Not Investing)
Topic: Buy historic, walkable home or stay in blah subdivision with short commute?
Replies: 56
Views: 6403

Re: Buy historic, walkable home or stay in blah subdivision with short commute?

We are thinking about moving from a subdivision on the edge of town (small college town, pop = 70k) to an older home in the historic district of the "downtown" area. Here is our current financial situation and the pros/cons of making this move, as I see it. I would love to read any comments you may...
by nativenewenglander
Sun Jul 21, 2019 9:39 am
Forum: Investing - Theory, News & General
Topic: Strength training is like investment
Replies: 46
Views: 3837

Re: Strength training is like investment

I've been doing my own investments since my teen years as my dad taught me how to invest, plus how to make money. I've been an avid runner, cyclist and hiker since my teen years as well. I added weightlifting this year to my exercise as I need it for alpine skiing. It's made a big difference in my r...
by nativenewenglander
Tue Jul 09, 2019 4:17 am
Forum: Personal Consumer Issues
Topic: Membership information and emails for a non-profit
Replies: 8
Views: 772

Re: Membership information and emails for a non-profit

I've worked at a few nonprofits over the last 11 years. The one I was running we used mail chimp, 11 years later they still use it. I know all the members, 350 of them, don't have email. You probably won't find a perfect solution. I'm membership chair of a nonprofit now and just use a spreadsheet to...
by nativenewenglander
Fri Jul 05, 2019 5:47 am
Forum: Personal Investments
Topic: Vanguard Wellsley
Replies: 23
Views: 4225

Re: Vanguard Wellsley

Hey all thoughts on using Wellesley Income fund as my only fund in retirement to create cash flow thoughts. Its the only fund we own for our retirement funds. I've owned it for many years and honestly wish I had owned it since I started investing. It has a 49 year history, not many existing funds c...
by nativenewenglander
Thu Jul 04, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: Reservations about purchasing a 16 year old house
Replies: 65
Views: 5897

Re: Reservations about purchasing a 16 year old house

I guess a 16 year old house is new to me. Since 1983 our first house was built in 1911, sold it bought a big old colonial built in 1809, then to a disaster of a cape built in 1844 but it was a dream when restored, currently and my wife says the last house built in 1880. The previous owner was here u...
by nativenewenglander
Tue Jul 02, 2019 5:31 am
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 6954

Re: Are you a serious DIYer?

I have done museum quality home restoration as a hobby for 30+ years on early homes. I'm now into the last house, but at 58 I outsource most of the work outside. I am helping the roofer strip the roof, but mainly to speed it along as he works alone. We have a painter working painting the outside at ...
by nativenewenglander
Tue Jul 02, 2019 5:15 am
Forum: Personal Consumer Issues
Topic: Wood burning stoves
Replies: 30
Views: 2447

Re: Wood burning stoves

I am in the market for a wood burning stove for heating in the winter. I am not really familiar with them at all, just starting my research now. If you have any brand or model recommendations, or suggestions in general, I would greatly appreciate hearing them. I have about 1500 sqft to heat (size o...
by nativenewenglander
Tue Jul 02, 2019 5:02 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare Nightmare after wife's surgery
Replies: 84
Views: 8085

Re: Healthcare Nightmare after wife's surgery

Hello bogleheads - I have been lurking and learning from all of you as this is one of the best forums I've seen. But at this time I wanted to hear about your thoughts on this matter as I find quite confusing how Healthcare really works We have Private Insurance from my employer. My spouse had a big...
by nativenewenglander
Mon Jul 01, 2019 5:34 am
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 23491

Re: Do you share your net worth with family members?

Would you share your net worth with family members? Mainly I'm wondering about sharing personal milestones such as one's portfolio reaching one million (as an example) with your parents and siblings. How about if they ask? Would you tell them? Just looking for people's thoughts on this. Why? What g...
by nativenewenglander
Tue Jun 25, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Is this overkill on construction work
Replies: 11
Views: 1778

Re: Is this overkill on construction work

I have an interest in a house in Northern New Hampshire. This winter's snowfall created excess weight on the front porch roof and part of the porch pulled away from the main building as well as sank a few inches. Part of the original house was built in the late 1800's. A lot of the house has been u...
by nativenewenglander
Sun Jun 16, 2019 5:11 am
Forum: Personal Consumer Issues
Topic: Durable non-stick cookware suggestions?
Replies: 30
Views: 3115

Re: Durable non-stick cookware suggestions?

If you are talking about “Teflon” like pans with a coating, Very few if any last for 20 yrs plus. I think cast iron can be seasoned and used to the point where they are non stick. Rarely washed, just wiped out , theydo become nicely non stick. I have a 10" Erie cast iron skillet that's 100 years ol...
by nativenewenglander
Sat Jun 15, 2019 4:02 am
Forum: Personal Consumer Issues
Topic: Durable non-stick cookware suggestions?
Replies: 30
Views: 3115

Re: Durable non-stick cookware suggestions?

If you are talking about “Teflon” like pans with a coating, Very few if any last for 20 yrs plus. I think cast iron can be seasoned and used to the point where they are non stick. Rarely washed, just wiped out , theydo become nicely non stick. I have a 10" Erie cast iron skillet that's 100 years ol...