Search found 143 matches

by nativenewenglander
Sat Dec 07, 2019 4:56 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 306
Views: 19015

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: 306
Views: 19015

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: 582
Views: 77627

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: 960

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: 3874

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: 8140

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: 2466

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: 3973

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: 6183

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: 3725

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: 705

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: 3940

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: 5609

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: 6656

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: 2314

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: 7947

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: 22748

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: 1747

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: 2989

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: 2989

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
Thu Jun 13, 2019 3:48 pm
Forum: Investing - Theory, News & General
Topic: The impact of Baby Boomers on the Future of U.S. Stocks
Replies: 41
Views: 5723

Re: The impact of Baby Boomers on the Future of U.S. Stocks

Harry Dent was (is) big on demographics and I remember seeing ads where he was predicting that the retirement of the Baby Boomers would lead to the next great depression - for reasons you cited and also because they would be consuming less in their retirement years. Well, the Baby Boomers are now r...
by nativenewenglander
Sun Jun 02, 2019 5:36 am
Forum: Personal Consumer Issues
Topic: Painting Cabinets - Is it that hard ?
Replies: 38
Views: 3273

Re: Painting Cabinets - Is it that hard ?

The better the prep, the better the results and durability. This is One method amongst many many many that are used by many skilled DIY and professionals. Preparation. Remove doors and hinges (a must) 1 Clean: A must. 2 Degloss: remove oils, surface shine: TSP (wear gloves and eye protection as it'...
by nativenewenglander
Mon May 27, 2019 5:33 am
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 13380

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

We are 95% in Wellesley Income Fund so a 35/65 split. 2.5% SCHO short term treasuries 2.5% Cash That gives us 2-3 years cash. Some accounts all dividends and capital gains get reinvested, other accounts only capital gains get reinvested and the dividends go to in cash. I am 58 and 75% retired, my wi...
by nativenewenglander
Wed May 15, 2019 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Careers in art
Replies: 91
Views: 5195

Re: Careers in art

Daughter is starting college and contemplating study/fields in art. She will be going to a local public state college. She is a talented artist. My first reaction is it isn't a very practical choice, but I honestly don't know. Options include art teacher, art therapist, graphic design, web design e...
by nativenewenglander
Mon May 13, 2019 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Move out or stay at my parents?
Replies: 70
Views: 5153

Re: Move out or stay at my parents?

Hi I’m 27 and I just bought a 2 family home. I’m renting it both but was debating moving in the downstairs apartment. His lease is up in September. I put down 20 percent and I would be paying around 1100 a month in “rent” towards the mortgage. My parents, and brother are both telling me I should st...
by nativenewenglander
Fri May 10, 2019 6:20 pm
Forum: Personal Consumer Issues
Topic: Recycling Different Plastics
Replies: 76
Views: 5003

Re: Recycling Different Plastics

We have a nearby company in Groveton NH that is taking most plastics and turning it into heating oil. I drove by it recently it appears to be expanding. Our recycling manager told me there plan is to receive plastic from a 200 mile radius eventually. That would cover much of metro Boston, hopefully...
by nativenewenglander
Fri May 10, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: Recycling Different Plastics
Replies: 76
Views: 5003

Re: Recycling Different Plastics

We have a nearby company in Groveton NH that is taking most plastics and turning it into heating oil. I drove by it recently it appears to be expanding. Our recycling manager told me there plan is to receive plastic from a 200 mile radius eventually. That would cover much of metro Boston, hopefully ...
by nativenewenglander
Mon May 06, 2019 6:29 pm
Forum: Investing - Theory, News & General
Topic: Wellesley’s Secret Sauce to Remain Secret
Replies: 26
Views: 6774

Re: Wellesley’s Secret Sauce to Remain Secret

If any of you have access to Morningstar Premium, the latest analyst report is terrific with a lot of information on how the fund operates. There is also a large archive of earlier analyst reports all the way back to 1993. https://www.morningstar.com/funds/xnas/vwinx/quote.html It looks like Welles...
by nativenewenglander
Sat Apr 27, 2019 5:47 am
Forum: Personal Consumer Issues
Topic: Should I apply wax on vintage items?
Replies: 9
Views: 1125

Re: Should I apply wax on vintage items?

You might want to call the museum curator at your state historical society. They will usually give you some time via telephone or if you are close arraign a meeting with your item at their office. Depending on the state there are sometimes many on staff that can help you. I'd probably join the histo...
by nativenewenglander
Wed Apr 24, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: window replacement: return on investment
Replies: 23
Views: 2338

Re: window replacement: return on investment

Windows are 10% of your heat loss in a building. So even if you save 50% by replacing them you're saving 5%. What is your cost to heat and cool your building? Do the math on your payback based on the roughly $24K outlay.
by nativenewenglander
Mon Apr 22, 2019 4:46 am
Forum: Personal Consumer Issues
Topic: update 70s kitchen or nah?
Replies: 49
Views: 3974

Re: update 70s kitchen or nah?

My parents home had a 1960's kitchen even with the original formica counters. I spent almost a month there cleaning and repainting. We had a new floor put down in the basement and kitchen. The house sold for 20% over asking price. I would do your best at cleaning up the kitchen you have as others ha...
by nativenewenglander
Sun Apr 14, 2019 5:02 am
Forum: Personal Consumer Issues
Topic: Cleaning shingles (moss & mildew)
Replies: 27
Views: 2981

Re: Cleaning shingles (moss & mildew)

We used Pool Shock and water with some dish soap on my dad's roof it worked great. You can Google it and get the right mix as I don't remember now. It took a couple gallons of Pool Shock which was $3.00 a gallon. You just spray it on and it kills the moss almost instantly as the Pool Shock is concen...
by nativenewenglander
Sat Apr 13, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 121
Views: 11994

Re: Gardening 2019

Our garden is still covered in snow. The barn has three feet of ice under it. We live in zone 4a, so planting frost free is seven weeks away. The skiing is still good, so there's that!. I love gardening, but like other parts of each season. My potatoes are in, but I don't know when they go in the gr...
by nativenewenglander
Mon Mar 25, 2019 5:07 am
Forum: Investing - Theory, News & General
Topic: Move beyond stocks after couple mil ?
Replies: 44
Views: 6328

Re: Move beyond stocks after couple mil ?

Once you have 1-2 million in investible assets (in securities, say a 3 fund portfolio); and a paid off house, do you invest new money In securities only (into your existing 3 fund portfolio) ? Or do you consider small rental property investments ? How about buying a small business franchises (Like ...
by nativenewenglander
Sun Mar 24, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: 1/4 inch drywall over existing walls when remodeling?
Replies: 11
Views: 2219

Re: 1/4 inch drywall over existing walls when remodeling?

My neighbors have used 1/4 inch drywall, but I prefer to repair the plaster with plaster washers ect. It is easy to do with experience. To each his own on how to deal with crumbling plaster.
by nativenewenglander
Fri Mar 15, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: Fishing Kayak recommendation
Replies: 50
Views: 2820

Re: Fishing Kayak recommendation

My wife and I fish in a 15 foot canoe and have for 20 years. There are many brands made of kevlar or carbon fiber that are light and stable too. They are within your budget as well. I live in NH and this is one manufacturer here. https://boston.craigslist.org/gbs/boa/d/ranger-canoe-direct-sales-16-5...
by nativenewenglander
Fri Mar 15, 2019 6:27 am
Forum: Personal Investments
Topic: I think I can retire. Help me with the confidence and a plan.
Replies: 29
Views: 5226

Re: I think I can retire. Help me with the confidence and a plan.

The other part I don't see mentioned is your wife is 11 years older. My mother was 9 years older than my dad, he retired early to travel with her while they were both at their best. This something you should had to the conversation as to why it's important to slow down now.
by nativenewenglander
Mon Mar 04, 2019 6:31 am
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9708

Re: Why do you live where you live?

I moved to NH in 1983 when I got out of college. My goal was to live in a place where most everyone drove to for vacation. It made me feel as if I was on vacation everyday. Great four season activities, skiing, canoeing, fishing, hiking. Moved further north five years ago as my former town was disco...
by nativenewenglander
Sat Feb 09, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 78
Views: 6813

Re: Recommendation for home gym (limited space)

I have a Vectra 4-C home gym in my basement. It has a 4X6 footprint and performs 31 exercises. I do about half of those every other day. It's built like a tank. I bought it on CL for $400 it was like new. It was around $2000 new.
by nativenewenglander
Tue Feb 05, 2019 7:21 am
Forum: Personal Consumer Issues
Topic: Water in Basement... $11k to fix... Need advice!!!
Replies: 35
Views: 3491

Re: Water in Basement... $11k to fix... Need advice!!!

Have you considered an underground slope? This is another tool to add to your solutions, and you can do it yourself. I did, with my handyman. Google it, but here's one link: https://www.greenbuildingadvisor.com/cad/detail/underground-water-barrier-retrofit-rubber-membrane My ~30 yo house was shifti...
by nativenewenglander
Thu Jan 31, 2019 7:11 am
Forum: Personal Consumer Issues
Topic: Best weather sites
Replies: 28
Views: 2321

Re: Best weather sites

Wunderground changed yet again and we do not adapt as well to this as we age. What sites do you use for local weather? Why? We like general outlook for several days, all at a glance, prefer advertisement to not be so heavy. Easy satellite glance helpful also. This my favorite weather site a true we...
by nativenewenglander
Mon Jan 28, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: Do you do backpacking in your 50s or 60s?
Replies: 51
Views: 4018

Re: Do you do backpacking in your 50s or 60s?

I'm 57 and still backpack, but mainly in the mountains here in New England. My wife is not up for long hikes any longer, so I tend to go alone or with friends. My favorite is trail running carrying light gear covering larger expanses of territory, but stopping at scenic overlooks. The idea of hiking...
by nativenewenglander
Mon Jan 28, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: NH retirees, do you go south for the winter months?
Replies: 8
Views: 1557

Re: NH retirees, do you go south for the winter months?

36 year NH resident here. We moved to Coos County NH from southern NH five years ago to do more four season recreation. The alpine skiing is amazing, as I came back from Bretton Woods ten minutes ago and will go back tomorrow. I don't foresee us going south for the winter in our elder years. We have...
by nativenewenglander
Fri Jan 25, 2019 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Home insurance going up every year...
Replies: 58
Views: 3762

Re: Home insurance going up every year...

We've been in our current house for about 10 years - bought for about $260k. Our first insurance premium was around $1200 per year. For the first few years, we went with an independent agent who quoted from several companies. After a few years, the premium went above $2500. I shopped around and lan...
by nativenewenglander
Wed Jan 23, 2019 5:50 am
Forum: Personal Consumer Issues
Topic: 1980s Vacuums vs Today
Replies: 27
Views: 2914

Re: 1980s Vacuums vs Today

I have a 1966 Electrolux canister vacuum, a very quiet machine. We've had it since 1985 or so when I bought out a business it came with it. My wife has allergies now so last spring we bought a Meile that has a hepa filter also very quiet and a bit lighter. It cleans about the same as the Electrolux....
by nativenewenglander
Tue Jan 08, 2019 6:00 am
Forum: Personal Consumer Issues
Topic: Good kitchen mixing bowls
Replies: 17
Views: 1181

Re: Good kitchen mixing bowls

We have a set of stainless bowls we use for certain kitchen tasks. The largest being 22 inches across the smallest six inches. I love the large one when grating cabbage for sauerkraut as it hold 5 lbs of shredded cabbage and room to mix in the pickling salt. Then we have an original complete set of ...
by nativenewenglander
Sun Jan 06, 2019 6:34 am
Forum: Personal Consumer Issues
Topic: washer dryer rec
Replies: 22
Views: 1646

Re: washer dryer rec

I recommend a Speed Queen top loading washer and dryer. Mine are still running great after 23 years. Our Bosch washer died, the repair guy came said it was not repairable. We asked him what he owned he said Speed Queen. When he has time off he doesn't want to fix his own washer and dryer. He even g...
by nativenewenglander
Fri Jan 04, 2019 7:31 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 248
Views: 78968

Re: Vanguard's Wellesley Income fund is incredible

A good deal of Vanguard Wellesley Income’s appeal inheres in our yearning for the era in which the fund was formed. The fund’s name, with its recondite Victorian allusion, https://en.m.wikipedia.org/wiki/Arthur_Wellesley,_1st_Duke_of_Wellington resonates powerfully. Its investors become members of ...
by nativenewenglander
Tue Dec 25, 2018 6:34 am
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 8252

Re: What was your best investment in 2018?

SCHO 1-3 year treasuries ETF.
by nativenewenglander
Sat Dec 22, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: Percentage of Net Worth in Equities
Replies: 23
Views: 2099

Re: Percentage of Net Worth in Equities

I'm 100% Wellesley Income Fund, so 30-50% equities the balance bonds. I have 10% cash which is in SCHO a 1-3 year treasury fund for any needed short term cash, which I never need.