Search found 90 matches

by nativenewenglander
Mon Dec 10, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesly Income
Replies: 38
Views: 3929

Re: Vanguard Wellesly Income

I don't think it's a bad idea at all. Just be prepared, in a downturn (this could happen in any environment) for dividends to go down at times. This happened, even with Wellesly, during the Great Recession. So having "enough" from dividends today doesn't mean you will have enough tomorrow, and so f...
by nativenewenglander
Sun Dec 09, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Attic insulation-R30 to R60 worth it?
Replies: 33
Views: 2920

Re: Attic insulation-R30 to R60 worth it?

Hey all, I have a 2900 sqft home in Chicagoland area. Home built in 2000. Attic insulation is about R30 (rolled batts with some blown in fiberglass above it). My daughters room has cathedral ceilings and is always about 2-3 degrees cooler in winter and 2-3 degrees hotter is summer. I climbed up to ...
by nativenewenglander
Sun Dec 09, 2018 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesly Income
Replies: 38
Views: 3929

Re: Vanguard Wellesly Income

I don't think it's a bad idea at all. Just be prepared, in a downturn (this could happen in any environment) for dividends to go down at times. This happened, even with Wellesly, during the Great Recession. So having "enough" from dividends today doesn't mean you will have enough tomorrow, and so f...
by nativenewenglander
Thu Dec 06, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 319
Views: 17152

Re: What are others paying for property taxes around the US?

Accessed value $177K taxes $4400 1650 sqft four acres 1800 sqft heated barn built in 1880 or so. Northern NH.
by nativenewenglander
Sat Dec 01, 2018 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Family loan
Replies: 19
Views: 1282

Re: Family loan

I really wish my parents were alive so they could ask me for a loan. * * * * * * * * * * * What part of your net worth do they want to borrow? If it were me, and the amount was reasonable I would give them the money, not lend it. I have made private loans in the past and have always kissed the mone...
by nativenewenglander
Thu Nov 29, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Home office deduction and depreciation recapture
Replies: 3
Views: 385

Re: Home office deduction and depreciation recapture

I've been running my business from home for 35 years, but have used the same CPA firm during that time. Having moved three times over the years I relied on my tax people to keep me on the right side of the tax laws. It's tricky with depreciation and the recapture when dealing with the IRS. You might...
by nativenewenglander
Thu Nov 29, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: How do you spend/kill time online?
Replies: 21
Views: 2645

Re: How do you spend/kill time online?

The wealthy do not "kill" time, online or elsewhere. They are found to be happier than the remainder of the population not simply because of their wealth but more importantly because of how they view/use time: https://www.hbs.edu/faculty/Publication%20Files/18-111_401aafe7-dede-4cf9-9d95-073eee6868...
by nativenewenglander
Sun Nov 18, 2018 6:33 am
Forum: Personal Consumer Issues
Topic: vacation in Maine, New Hampshire
Replies: 9
Views: 973

Re: vacation in Maine, New Hampshire

Here is the webcam at Treats and Treasures in Pittsburg, NH as you can see there's already plenty of snow!
https://www.wunderground.com/personal-w ... =KNHPITTS3
by nativenewenglander
Sun Nov 18, 2018 6:29 am
Forum: Personal Consumer Issues
Topic: vacation in Maine, New Hampshire
Replies: 9
Views: 973

Re: vacation in Maine, New Hampshire

I like Manchester airport, it’s much easier than Logan, much less traffic. BTW, cellular service can be iffy back up in the hills, so I always carry paper maps as a backup. Along with all the stuff you need if there is a power outage, obviously. They put a cell tower up this spring in Pittsburg, so...
by nativenewenglander
Thu Nov 15, 2018 5:56 am
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 5446

Re: fuel for snowblower

My small engine mechanic, as well as some of my equipment owners manuals, says always to use 93 octane fuel for air cooled engines; my personal preference is top tier Shell V-Power. Additionally, I use Stabil and Startron to extend the shelf life of the gasoline. Has proven to work well for many ye...
by nativenewenglander
Wed Nov 14, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 5446

Re: fuel for snowblower

I own a 1995 two wheel tractor, on which I put a snowblower attachment, with a 12 hp Kohler. The Gravely forums I have been on say to go with high octane no ethanol, but add a marine stabilizer to the fuel. I found my engine starts better in cold weather with the higher octane.
by nativenewenglander
Mon Nov 12, 2018 5:35 am
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8224

Re: What's everyone currently in?

Vanguard Wellesley
1.5 years cash
30K muni CEF's VMO and VKQ bought in the last two weeks
by nativenewenglander
Sat Nov 10, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10879

Re: Favorite "free stuff"?

Not sure if this counts, but I work for a large niche health products company. I haven't had to purchase shampoo, bodywash, all-purpose cleaner, hand soap, laundry detergent, dietary supplements (multi-vitamin, EFA supplement, protein supplement, etc.), skin and hair care products , (wife) , etc. f...
by nativenewenglander
Wed Nov 07, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Best strategy basement mold
Replies: 27
Views: 2332

Re: Best strategy basement mold

I used a dehumidifer to keep my basement mold and mildew free. It had a built in humidistat so it only ran when necessary and generally not at all in the winter. The reason mold is common in basements is that in the summer the basement is usually cooler than outside. So air that infiltrates from ou...
by nativenewenglander
Tue Nov 06, 2018 5:47 am
Forum: Personal Consumer Issues
Topic: Best strategy basement mold
Replies: 27
Views: 2332

Re: Best strategy basement mold

I live in the Northeast. Winters tend to be dry. Curious if people run dehumidifiers in the basement in the winter? I live in the NE and run the dehumidifier when the temperature goes above 60. I have no idea why that is my breakpoint, so I would seek advice from someone who has a better explanatio...
by nativenewenglander
Mon Nov 05, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to buy house out of blue but wants us to come up with offer
Replies: 31
Views: 5346

Re: Neighbor wants to buy house out of blue but wants us to come up with offer

We sold our property to our neighbor four years ago. We split all costs 50/50 and we rented back from them for 9 months as we needed to get out new place ready for occupancy. The rent we worked out was very cheap as he lived out of state and needed a caretaker to keep up the property in his absence....
by nativenewenglander
Mon Nov 05, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4152

Re: Mice [updated- not a mouse]

UPDATE: Well, it was not a mouse - it was a small/baby squirrel. The squirrel must have been hiding all day, but it appeared this evening. After chasing it around the house with my pond fish net in hopes of catching it (nope), it finally ran ran upstairs and into a small room that had a sliding gla...
by nativenewenglander
Sun Nov 04, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4152

Re: Mice

A cat. A female cat. We've had many cats and the male cats are not as great a hunter as the females. The hunter gather thing in the cat world goes with the gals. We use those waxy Decon blocks and put them in the basement and attic, plus a couple under our porch. I bought a 3 lb container at the ha...
by nativenewenglander
Thu Nov 01, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Conservation Easements
Replies: 10
Views: 629

Re: Conservation Easements

We owned a 53 acre piece of property which had two easements on it. The first one was along a brook which stated no cutting of trees within 100 feet of the center line of the brook. The second was on a 22 acre piece of the land, which didn't allow any residential building but you could put up an agr...
by nativenewenglander
Mon Oct 29, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Speeding ticket and insurance
Replies: 29
Views: 2285

Re: Speeding ticket and insurance

Last year my wife was stopped for speeding and received a written warning. When I was talking to my agent a few months ago about our homeowners insurance and auto insurance she said she noticed my wife was given a written warning in 2017. I said yes, but it was only a warning and she hadn't been tic...
by nativenewenglander
Thu Oct 25, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Need New Refrigerator
Replies: 20
Views: 2274

Re: Need New Refrigerator

Okay, the service guy recommended getting a new refrigerator/freezer. He examined the refrigerator and thought that both the refrigerator and the freezer needed major repairs. He also vacuumed the inside of the refrigerator where the compressor and other parts are located. I have no idea why but th...
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: 5296

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: 5492

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: 12170

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: 5873

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: 70
Views: 7299

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: 2300

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: 2212

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: 19982

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: 28582

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: 5192

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: 3950

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: 743

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: 5916

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: 6956

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: 5916

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: 11076

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: 1270

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: 5036

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: 6585

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: 3425

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: 2420

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: 4442

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: 4442

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: 4442

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: 5162

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: 643

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: 643

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: 4582

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...