Search found 69 matches

by nativenewenglander
Mon Sep 10, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5213

Re: Advice on how to deal with barking dogs

I am going to court this afternoon for a barking dog complaint. It is the city against the dog's owner wih me as a witness. This because you cannot remain anonymous for a complaint. I finally am going this route. I would expect very little when confronting the dog owners. Dog owners are some of the...
by nativenewenglander
Tue May 22, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Buy an old farmhouse?
Replies: 52
Views: 5376

Re: Buy an old farmhouse?

We are on old farmhouse #3 this one is in town on 4 acres we can walk to everything, but it's private. We paid $140K and have put $75K in so far. The last place was on 53 acres a the 1840 house and was a real mess, we built a barn for our business I think we sunk $225K into the whole place. We lived...
by nativenewenglander
Wed May 02, 2018 5:45 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 11817

Re: Have you quit eating sugar? Tell me how!

I have been on Keto for a year. Under 20 net carbs per day, but good veggies, fat, protein etc. I have dropped 56 lb. First week sucked so bad due to keto flu and sugar withdrawal. 2nd week sucked 80% as bad. Third week I felt awesome. About a month in my sugar craving disappeared. It only comes ba...
by nativenewenglander
Tue May 01, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 5650

Re: Maple syrup

I was in a country store in Moultonborough, NH today and happened to see a gallon of syrup was $69 and a half gallon was $35, which is the same as what we pay in northern NH. We like the dark amber as it has more maple flavor.
by nativenewenglander
Mon Apr 09, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 68
Views: 6813

Re: Gardening 2018

We are zone 3b here in NH. Snow still on the ground, onions and potatoes arrive in a three weeks. Reading what other gardeners are doing gets my soil itchy fingers going.
by nativenewenglander
Mon Apr 02, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Hand and bath towels- keep them or toss
Replies: 14
Views: 2285

Re: Hand and bath towels- keep them or toss

Donate to a local animal shelter, as Nestegg suggested. We did this a few weeks ago, as our vet had put down a pet of ours and gave him back in a towel. When we were replacing most of our old towels, we called and they said they'd love any and all towels we had to donate. I kept the washcloths for ...
by nativenewenglander
Mon Mar 26, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Favorite vacations that don’t involve travel
Replies: 13
Views: 2181

Re: Favorite vacations that don’t involve travel

When I left home in my early 20's I wanted to live someplace where others had go to vacation. I still do that today, only now I live in northern NH with hiking, skiing, fly fishing and countless other outdoor sports right out the door. Weekends are busy with tourists, but being mostly retired I can ...
by nativenewenglander
Thu Mar 22, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: Are we missing recession /bear market beginning
Replies: 174
Views: 19729

Re: Are we missing recession /bear market beginning

You can try this site for information and charts. It looks like a recession is coming probably next year some time. We're 9 years into a bull market, nothing lasts forever. Personally I raise cash for spending, so I don't sell into a down market. I have three years cash right now. https://www.frbsf....
by nativenewenglander
Thu Mar 22, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 27586

Re: Anyone Deleting Facebook?

Yes, deleted yesterday. Stopped using it 18 months ago.
by nativenewenglander
Wed Mar 21, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of College vs Starting Income
Replies: 94
Views: 5074

Re: Cost of College vs Starting Income

My wife just graduated from a community college with an associates degree, as a PTA, total cost with books was $20K. All her now licensed classmates are employed making $35-42K, she's working part time by choice at $22 per hour. I thought that was a pretty good ROI compared to most degrees.
by nativenewenglander
Fri Mar 16, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 3832

Re: Which Day Hiking Trails Do You Recommend?

I live in the White Mountains of NH. This is some of the hardest yet most beautiful hiking. North of RTE 2 is where I hike on summer weekends. South of that line is best on week days unless you like crowds, especially the high peaks and popular trails. There are many bloggers that talk about hiking ...
by nativenewenglander
Sat Mar 03, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: For those who started their own business, how did you cover yourselves?
Replies: 5
Views: 735

Re: For those who started their own business, how did you cover yourselves?

Work 40 hours a week at your existing job. Forego day's off, vacations, sick leave, other leave, and a comfort zone. Start new venture and work when you are not working at the other job. Put in as many hours as needed. Sleep 6 hours a day. Spend the rest of the time doing the above. There are 168 h...
by nativenewenglander
Fri Mar 02, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Walking shoes for plantar faciatis?
Replies: 61
Views: 5760

Re: Walking shoes for plantar faciatis?

I.m wearing Hoka's now they are like walking on a cloud. I'm glad to hear they worked for you also.
by nativenewenglander
Thu Mar 01, 2018 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Retiring Early
Replies: 22
Views: 6840

Re: Retiring Early

I'd go to https://firecalc.com/ and run your numbers. What are your expenses? My wife and I are in a similar circumstance, but own a small home based business that generates $30K plus great write offs. We buy our HC insurance through the ACA keeping our income under the 64K threshold. What is your r...
by nativenewenglander
Thu Mar 01, 2018 6:32 am
Forum: Personal Consumer Issues
Topic: Walking shoes for plantar faciatis?
Replies: 61
Views: 5760

Re: Walking shoes for plantar faciatis?

I had this condition 10 years ago. I drove to a family owned running shoe store a few towns away. The owner spent 45 minutes with me, he suggest a pair of Hoka running shoes. They weren't cheap $145, but it did over time completely cure me. My wife has this every few years and wears shoe inserts, bu...
by nativenewenglander
Wed Feb 28, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Dehumidifier for humid basement. I want one that lasts.
Replies: 37
Views: 10718

Re: Dehumidifier for humid basement. I want one that lasts.

We own a Fridgaire very quiet, it's lasted three years so far. We've had many over the years, this is the best so far. The best one I saw in action was one our local historical society had on the hot air furnace, but it cost about $1000 plus installation. I know it's been running for a decade now in...
by nativenewenglander
Mon Feb 26, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Moving utilities underground - any experience?
Replies: 11
Views: 1214

Re: Moving utilities underground - any experience?

We put our telephone and electric underground at our current and previous property. At this house we ran power and electric to a carriage house 100 feet away all in plastic piping. The cost was maybe $1000. It was part of a power upgrade to 200 amps plus a complete rewiring of the house and carriage...
by nativenewenglander
Sat Feb 24, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Knob and Tube rewire cost
Replies: 39
Views: 4788

Re: Knob and Tube rewire cost

We did this three years ago with our bungalow the cost was $13K. We upgraded to 200 amp, ran underground telephone and power to a carriage house 100 feet away and put a 100 amp box there and rewired the whole carriage house into an office and shop. At the same time we added 100 amp box in the attic....
by nativenewenglander
Sat Feb 24, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads: What are you doing to prepare for dementia/alzheimers?
Replies: 60
Views: 6438

Re: Bogleheads: What are you doing to prepare for dementia/alzheimers?

I have an old friend, single who has dementia. I live 600 miles away, so can't do much. Other friends live near him and are helping, but they are older than him(73). He never finalized his will and medical papers. I would say get that all done asap, he will end up a ward of the state soon as his lif...
by nativenewenglander
Mon Feb 19, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 3205

Re: Is window replacement this expensive?

New windows are very expensive which is why it is almost never worth it replace over just fixing up the existing ones because the payback period (energy savings vs. cost) is often longer than the owner's life expectancy. Saying that, dealers are going to quote the highest prices for labor. If you w...
by nativenewenglander
Sat Feb 17, 2018 6:22 am
Forum: Investing - Theory, News & General
Topic: Bberg: bond bulls say they'll have the last laugh
Replies: 16
Views: 2372

Re: Bberg: bond bulls say they'll have the last laugh

So i'm curious what Bogleheads make of this article: https://www.bloomberg.com/news/articles/2018-01-29/these-bond-bulls-say-they-ll-have-last-laugh-as-u-s-yields-soar After all, nothing in their long-term outlook has changed: Inflation is still subdued, consumers have limited capacity to propel ec...
by nativenewenglander
Sat Feb 10, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 4332

Re: Jogging in the cold.

This is the kind I have. They work very well. They are made from stainless steel, so no rusting. Over times they wear down, but it takes years. I paid less than $60 https://www.amazon.com/Micro-Spikes-855 ... B0030I3Y48 Kahtoola microspikes. These are the best. Been using them for years. You can ru...
by nativenewenglander
Thu Feb 08, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 4332

Re: Jogging in the cold.

I also wear ice grippers on my running shoes as everything is ice most of the winter I've never owned "ice grippers" - is there a particular brand or style you would recommend? This is the kind I have. They work very well. They are made from stainless steel, so no rusting. Over times they wear down...
by nativenewenglander
Wed Feb 07, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 4332

Re: Jogging in the cold.

I live in the northern part of NH, so it's colder here, but I run all winter provided the temp. is over 5 degrees. I wear a neck gator when it's windy and or below 20 degrees. Most of the time a thermal top and wind pants, gloves and a hat will do. I also wear ice grippers on my running shoes as eve...
by nativenewenglander
Mon Feb 05, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Retired or close to it -- what do you hold in bond portion?
Replies: 41
Views: 5037

Re: Retired or close to it -- what do you hold in bond portion?

Retired
We own VWINX Wellesley Income Fund so 40/60.
Plus 2 years in cash as of last November.
by nativenewenglander
Sun Feb 04, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Volunteer consulting — need LLC or something else?
Replies: 8
Views: 617

Re: Volunteer consulting — need LLC or something else?

I've volunteered for various Board positions over the last decade. I spoke to my insurance agent recently if I was covered by my personal umbrella policy. She assured me I was covered for volunteering. Does the group your wife is volunteering her time for have a liability policy? You might be OK as...
by nativenewenglander
Sat Feb 03, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Volunteer consulting — need LLC or something else?
Replies: 8
Views: 617

Re: Volunteer consulting — need LLC or something else?

I've volunteered for various Board positions over the last decade. I spoke to my insurance agent recently if I was covered by my personal umbrella policy. She assured me I was covered for volunteering. Does the group your wife is volunteering her time for have a liability policy? You might be OK as ...
by nativenewenglander
Tue Jan 30, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: The Vanderbilts
Replies: 26
Views: 4521

Re: The Vanderbilts

We bought a summer house from a Vanderbilt relative, it was our year round house, a pretty simple place actually. The wife told me how her family had to sell the big house of 50 rooms on 800 acres as no one had money to keep it up.That place was a couple towns away from me at the time. They lived ye...
by nativenewenglander
Sat Jan 27, 2018 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding the impact of buying a larger house
Replies: 9
Views: 1638

Re: Understanding the impact of buying a larger house

That seems like a good sized house for a family of three or four even. My parents, brother and I lived in an 1100 sqft ranch, on top that we had a big dog. This house was big compared to the houses my grandparents owned. The neighborhood sounds like the biggest worry and if it's get better or worse.
by nativenewenglander
Sat Jan 27, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Here's my net worth....I max everything out.....now what?
Replies: 64
Views: 12709

Re: Here's my net worth....I max everything out.....now what?

Turn these windfalls into debt eliminators than keep doing exactly what you are doing I'd follow these words and pay off your debts. During 1998 I sold enough stocks to raise $50,000 and paid off my mortgage. I was getting married that year and didn't want my new wife to worry about marrying into a...
by nativenewenglander
Sat Jan 27, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 14258

Re: Starting to feel like the late 1990s?

I'm not changing any allocations either, but it feels much like 1999.
Other than utilities all other ETF sector choices say higher.
by nativenewenglander
Fri Jan 26, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: Dalio says bonds have entered a bear market
Replies: 98
Views: 11829

Re: Dalio says bonds have entered a bear market

Here is a link to a 222 year US Treasury chart. Draw your own conclusion on rates.
http://ritholtz.com/2012/01/222-years-o ... est-rates/
by nativenewenglander
Fri Jan 26, 2018 8:00 am
Forum: Investing - Theory, News & General
Topic: Dalio says bonds have entered a bear market
Replies: 98
Views: 11829

Re: Dalio says bonds have entered a bear market

The long term average of 10 year bond is 4%. The bond market is normalizing. These big players are trying to scare the weak hands to fold so they can buy them up cheaper. We could and probably will stay in a trading range of 1% or 2% from where we are now for decades.
by nativenewenglander
Thu Jan 25, 2018 6:38 am
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 10679

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I have a Samsung Brightside, which is just a phone and camera. I have no desire for a smartphone. My wife is a PT sees more and more neck problems coming into the office from people who stare at their phones all day long. :oops:
by nativenewenglander
Thu Jan 18, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 43
Views: 3217

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

I have been very happy with the Kobalt Dual Power Inflator that I purchased from Lowes a number of years ago. I bought it because of the digital read out and because you can set the pressure and it will stop pumping when it reaches that pressure. It can be plugged into a house outlet or into your c...
by nativenewenglander
Mon Jan 15, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 11840

Re: Besides Bogleheads, What Are Your Favorite Forums?

Not exactly forums, but I Like various facebook groups that specialize in my interests - old house restoration, history, archaeology, gardening, farming, etc. Mouses- Can you share your old house restoration group? I need better resources. Thanks. Preservation Berwyn for bungalows, but there are lo...
by nativenewenglander
Thu Jan 11, 2018 5:33 am
Forum: Personal Consumer Issues
Topic: Kenmore Washer Dryer
Replies: 29
Views: 1953

Re: Kenmore Washer Dryer

We replaced our dead washer last year. After some research, we found that a) all of these machines have been cost reduced to the point that they don't last, and b) the go-to "buy it for life" brand is Speed Queen. Old-school mechanism that never fails, built like a tank, etc. They sell just two con...
by nativenewenglander
Fri Jan 05, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA AA and RMD
Replies: 9
Views: 806

Re: Inherited IRA AA and RMD

Last year in March I moved all the money in my inherited IRA to VWINX which is 35%-40% stocks the balance in bonds.It had previously been in Fidelity Low Priced.
by nativenewenglander
Wed Jan 03, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 11089

Re: Effects of extreme cold weather

It was -33 here yesterday morning, my wife's car wouldn't start. My truck with synthetic oil did, so she was able to go to work. According to long time residents it's never been this cold this early in the season.
by nativenewenglander
Mon Jan 01, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Well pump froze; no water.
Replies: 11
Views: 1744

Re: Well pump froze; no water.

We had this happen in 2014 plumber came over with a hot water injector and unfroze the pipe. We had very cold weather and little snow that year. I had a friend on town water who had no water for 8 weeks, many homes along the main street had no water. The buildings with sprinkler systems were ok thou...
by nativenewenglander
Thu Dec 28, 2017 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Need to shop insurance: curious what you have?
Replies: 22
Views: 1924

Re: Need to shop insurance: curious what you have?

I live in NH, our state website gives the average cost of insurance from all the companies that sell insurance in the state. You might check your state to see if they do something similar. Here Safeco is the least expensive, it's a wing of Liberty Mutual.
by nativenewenglander
Tue Dec 26, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Converting printed pictures to digital files
Replies: 15
Views: 1607

Re: Converting printed pictures to digital files

I use a Brother 3 in 1 it does a very good job on photos. Scanning the pictures is the easy part, cropping and resizing takes time, lots of time. I would guess and say four or five minutes per picture. Once you have them all done you want to save them to a folder. I try and organize them as I go, bu...
by nativenewenglander
Fri Dec 22, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone here purchased a home for cash (no mortgages)?
Replies: 39
Views: 4492

Re: Has anyone here purchased a home for cash (no mortgages)?

I did not pay cash for my home but I got it paid off at about the time I retired and I have no regrets about doing that. I am a big fan of having a paid off home but one thing to consider is what percentage of your net worth is home equity. Having less that 25% of your net worth in home equity feel...
by nativenewenglander
Mon Dec 18, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Buy very old house without buyer agent
Replies: 14
Views: 1534

Re: Buy very old house without buyer agent

I think you need to ask yourself if you are buying the house because it's cheaper or because you like the adventure of an old house. I've owned four old houses since the age of 22, I'm now 56. Old houses to me are a lifestyle, so the decision to buy is not really financial. Old houses can be enjoyab...
by nativenewenglander
Thu Dec 14, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Roofing Question Ice Build Up
Replies: 22
Views: 1917

Re: Roofing Question Ice Build Up

I've air sealed and insulated. It's a lot of dirty crawling in tight spaces. Green Building Advisor website is very helpful. That's my go to site also. Dana and Martin on there helped me put together a whole insulation plan on our 1900 vintage home. I thought I knew a lot until I talked to them on ...
by nativenewenglander
Thu Dec 14, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Roofing Question Ice Build Up
Replies: 22
Views: 1917

Re: Roofing Question Ice Build Up

Buy a snow rake and remove the snow from as high up on the roof as you can, with the above snow gone no more water will dam up behind the roof edge. A cold roof can be designed quite easily, but since you just had it re-shingled so that's not an option. Adding soffit vents can help, but the real fix...
by nativenewenglander
Fri Dec 08, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: router - can I set it up myself?
Replies: 15
Views: 1396

Re: router - can I set it up myself?

I just bought a new Netgear router, it was up in running in 20 minutes. You do have to read the instructions and follow the prompts, but it's not that hard. You need to be patient.
by nativenewenglander
Fri Dec 08, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 4636

Re: Please suggest a dry hands product

My wife swears by this stuff. Gramp Lyford's Country Salve, I know it was developed by two pharmacists. My wife has a nerve condition and her one hand doesn't sweat, so it's always dry and cold.
by nativenewenglander
Sun Dec 03, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: When/how to pare back cash gifts to young relatives as they get older
Replies: 19
Views: 2046

Re: When/how to pare back cash gifts to young relatives as they get older

stoptothink wrote:
Sun Dec 03, 2017 5:33 pm
$250 cash, for nieces and nephews for Christmas :shock:? Apparently I was born into the wrong family.
My aunt used to send me $10 at Christmas and my birthday, that was 45 years ago though. We cut off birthday and Christmas gifts at 18 years old, however, the nieces and nephews still get cards.