Search found 97 matches

by capitalhockey
Mon Jun 15, 2020 11:09 am
Forum: Personal Consumer Issues
Topic: Not Seeing Big Travel Discounts Yet
Replies: 16
Views: 1112

Re: Not Seeing Big Travel Discounts Yet

wootwoot wrote:
Mon Jun 15, 2020 10:30 am
I was recently looking at domestic flights and found that they were ~40-50% cheaper on average for my destination. YMMV
Interesting. I have been mainly looking up vacation packages (hotels/resorts plus airlines) on big travel sites like Expedia and prices are the same (if not more than before).
by capitalhockey
Mon Jun 15, 2020 9:35 am
Forum: Personal Consumer Issues
Topic: Not Seeing Big Travel Discounts Yet
Replies: 16
Views: 1112

Re: Not Seeing Big Travel Discounts Yet

Perhaps the discount math just doesn't work in this current environment to break even. Hotels are forced to implement social distancing with limited occupancy to comply and have shut down their restaurants/bars which are big money makers. Some airlines have eliminated middle aisle seats so there goe...
by capitalhockey
Mon Jun 15, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: Not Seeing Big Travel Discounts Yet
Replies: 16
Views: 1112

Re: Not Seeing Big Travel Discounts Yet

BTW, the only deals I am seeing offered is relating to free cancellation fees or waiving change fees or giving back deposits. Not much changes to pricing. Maybe companies feel like this is the logical approach that will appeal with customers vs. super low prices.
by capitalhockey
Mon Jun 15, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: Not Seeing Big Travel Discounts Yet
Replies: 16
Views: 1112

Not Seeing Big Travel Discounts Yet

With the current bad economy and few folks traveling these days, I have been browsing vacation packages to see if there were any big discount deals for traveling. In past recessions, I have always noticed companies slashing prices to draw people back. In some cases, they will give away free trips (o...
by capitalhockey
Mon Jun 08, 2020 11:14 am
Forum: Personal Consumer Issues
Topic: Pay for Child Care to Avoid Family Drama?
Replies: 14
Views: 1057

Re: Pay for Child Care to Avoid Family Drama?

Feels like it's a combination of different issues that are bothering me: 1) Constant unsolicited opinion and criticism on parenting...esp when they insist on something that is wrong...it's been over 50 years since they have raised kids...things have changed a lot and new culture from old country 2) ...
by capitalhockey
Mon Jun 08, 2020 10:25 am
Forum: Personal Consumer Issues
Topic: Pay for Child Care to Avoid Family Drama?
Replies: 14
Views: 1057

Pay for Child Care to Avoid Family Drama?

Hello, My wife (part-time) and I (full time) both work with 2 young kids (toddler and baby). My parents live nearby and have been helping us with child care (3 days a week with occasional weekend). We thought this was great so our kids can have a close relationship with their grandparents while also...
by capitalhockey
Wed May 06, 2020 11:18 am
Forum: Personal Consumer Issues
Topic: RV vacations for Post Coronavirus Traveling?
Replies: 16
Views: 1346

RV vacations for Post Coronavirus Traveling?

Spoke with a friend of mine recently that always had an interest in RV but never pulled the trigger. He has a big family with kids on travel sports team so they go to a lot of out of town tournaments. With the coronavirus situation now, he is actively look to get a used RV. With recession looming, t...
by capitalhockey
Mon Apr 06, 2020 10:42 am
Forum: Investing - Theory, News & General
Topic: Brokerage Account Setup for Maximum Step-Up Basis Upon Death
Replies: 13
Views: 503

Re: Brokerage Account Setup for Maximum Step-Up Basis Upon Death

It isn’t clear how you expect to use the funds in this taxable account while you and/or your wife are alive. If your intention is not to spend any of it and eventually have your sons inherit it all, then your plan probably should be different than if you expect to draw down the account to cover exp...
by capitalhockey
Mon Apr 06, 2020 10:13 am
Forum: Investing - Theory, News & General
Topic: Brokerage Account Setup for Maximum Step-Up Basis Upon Death
Replies: 13
Views: 503

Re: Brokerage Account Setup for Maximum Step-Up Basis Upon Death

pshonore wrote:
Mon Apr 06, 2020 10:04 am
If you live in a community property state, the rules may be different.

I live in a common law state. Do you have any insight on non-community property state?
by capitalhockey
Mon Apr 06, 2020 9:20 am
Forum: Investing - Theory, News & General
Topic: Brokerage Account Setup for Maximum Step-Up Basis Upon Death
Replies: 13
Views: 503

Brokerage Account Setup for Maximum Step-Up Basis Upon Death

Hello, My wife and I plan to create a taxable investment account. These funds will be in additional to our retirement accounts (401k & Roths) that are maxed out. We plan to invest our extra funds in the taxable account over the next 20 to 30 years. I recently learned about the step-up basis upon dea...
by capitalhockey
Wed Mar 11, 2020 1:26 pm
Forum: Personal Consumer Issues
Topic: Recommendations for One-Stop Shop Brokerage Account
Replies: 4
Views: 483

Recommendations for One-Stop Shop Brokerage Account

Hello, We have various accounts (IRA, Roth IRA, Taxable) at different places. I am looking to consolidate them into a single one-stop shop brokerage account so I dont have to log into multiple places. I would like to stay long term at the same venue up to and into retirement years. I am trying to ge...
by capitalhockey
Mon Feb 24, 2020 1:22 pm
Forum: Personal Consumer Issues
Topic: Do You Have a Long Term Travel Strategy?
Replies: 67
Views: 6070

Re: Define 'long term'

Bogle7 wrote:
Mon Feb 24, 2020 1:20 pm
Ours is to travel to Europe once a year for 3+ weeks.
At some point, I will be too old (weak) to travel.
Do you rent the same at the European location every summer or try out different places?
by capitalhockey
Mon Feb 24, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: Do You Have a Long Term Travel Strategy?
Replies: 67
Views: 6070

Re: Do You Have a Long Term Travel Strategy?

OP. This sounds awesome! You might consider doing something special or unique in each location and documenting it. In our case, we had a goal to visit all 50 states before the youngest graduated from high school. We kept a notebook of fun or funny events in each place we visited as a family, and al...
by capitalhockey
Mon Feb 24, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: Do You Have a Long Term Travel Strategy?
Replies: 67
Views: 6070

Re: Do You Have a Long Term Travel Strategy?

What I currently do is plan the next 2-3 trips out. ie. While I am preparing for my summer trip, I am also deciding what the plan is for the winter holidays/winter break, toying with plans for the spring break the following year. By the time I return from the summer trip, I have concrete plans for ...
by capitalhockey
Mon Feb 24, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: Do You Have a Long Term Travel Strategy?
Replies: 67
Views: 6070

Re: Do You Have a Long Term Travel Strategy?

Pierre Delecto wrote:
Fri Feb 21, 2020 10:39 am
Wow you guys are planners! Engineers?

My kids are late elementary school age. We have no travel plan.
No, not engineers. Just two parents grinding away daily with 3 y.o and 6 mo. baby....day dreaming about travel in the future.
by capitalhockey
Mon Feb 24, 2020 12:36 pm
Forum: Personal Consumer Issues
Topic: Do You Have a Long Term Travel Strategy?
Replies: 67
Views: 6070

Re: Do You Have a Long Term Travel Strategy?

Just to pile onto the thread, I'd break it into different time-based categories for us. Pre-kids, young kids, older kids, and empty nesters. Pre-kids we traveled regularly and lived abroad for a year. Highly recommended. With young kids we stuck to flights to visit family, car trips, and trips to f...
by capitalhockey
Fri Feb 21, 2020 10:33 am
Forum: Personal Consumer Issues
Topic: Do You Have a Long Term Travel Strategy?
Replies: 67
Views: 6070

Do You Have a Long Term Travel Strategy?

My wife and I are in our 30s with two kids under 3 years old. We used to travel a bunch (Peru, Italy, Thailand, etc) before kids. Things have slowed down a lot now. Traveling with kids is possible but difficult. My wife and I were talking about coming up with a long term travel strategy for our fami...
by capitalhockey
Tue Feb 18, 2020 1:34 pm
Forum: Personal Consumer Issues
Topic: Do You Avoid Advertisements & Commercials?
Replies: 84
Views: 4811

Do You Avoid Advertisements & Commercials?

I was wondering if there are folks like me who actively seek to avoid advertisement and commercials in my daily life. I happily pay for streaming services with no ads and also pay for DVR services so I can fast forward commercials. For the few occasions when live TV is the only option, I put the sou...
by capitalhockey
Thu Feb 06, 2020 4:47 pm
Forum: Personal Consumer Issues
Topic: Do you buy plastic bags for your home trash bins?
Replies: 99
Views: 7295

Do you buy plastic bags for your home trash bins?

My wife has a frugal habit she can't shake. For our home trash cans, she used the grocery plastic bags we get from our shopping trip. It's cost effective and allows multiple use of one item which is good for the environment. However, it's not pleasant on the eyes. The bags does not fit perfectly to ...
by capitalhockey
Mon Feb 03, 2020 12:24 pm
Forum: Personal Consumer Issues
Topic: Do you consider yourself to be Self-Insured?
Replies: 10
Views: 1054

Do you consider yourself to be Self-Insured?

My wife and I have a large amount of funds outside of our retirement accounts that can be accessed quickly without any tax issues. We also have healthy net positive cash flow stream from our monthly incomes. We can self fund our home and auto repairs, if needed. With that said, we have intentionally...
by capitalhockey
Mon Feb 03, 2020 9:16 am
Forum: Personal Consumer Issues
Topic: Will, Trusts & Health Directive: DIY or Hire Lawyer?
Replies: 20
Views: 1130

Will, Trusts & Health Directive: DIY or Hire Lawyer?

I am interested in getting a Will, Trust and Health Directive. I was wondering if this is something I can do myself with some online form or should I hire an estate lawyer to handle this. Is there a website that has free or low cost templates I can use? My assets are not complicated. All of my finan...
by capitalhockey
Thu Jan 30, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: When to Replace Roof vs. Repair?
Replies: 41
Views: 3108

Re: When to Replace Roof vs. Repair?

I just met with another roofer today. He recommended a replacement instead of $600 to fix. He gave me a quote for $4700. They are running a winter promotion for an upgraded composite material for 50 yr shingles for this price (savings of about $500) over the standard material. There was also an opti...
by capitalhockey
Wed Jan 29, 2020 2:39 pm
Forum: Personal Consumer Issues
Topic: When to Replace Roof vs. Repair?
Replies: 41
Views: 3108

When to Replace Roof vs. Repair?

My roof is about 20 years old. There was a bad storm recently that knocked off a dozen or so shingles. I had some watermarks on my guest BR ceiling. The roofer told me he can replaced missing shingles for about $500. Overall, he said the roof should last another 5 years or so. If I want to replace t...
by capitalhockey
Thu Jan 23, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: When to Change Car Battery?
Replies: 120
Views: 8826

Re: When to Change Car Battery?

If your wife is comfortable using a portable jump starter battery than that may be a good excuse to buy one. I got mine from Costco. They hold a charge for many, many months. So, if the battery does fail to start the car you have a backup. We have roadside assistance as part of our car insurance po...
by capitalhockey
Thu Jan 23, 2020 3:53 pm
Forum: Personal Consumer Issues
Topic: When to Change Car Battery?
Replies: 120
Views: 8826

Re: When to Change Car Battery?

sailaway wrote:
Thu Jan 23, 2020 3:37 pm
What kind of car is it? DHs Jeep used to go through batteries every three years like clockwork.
Car is a 2012 Toyota Camry. My wife drives it daily to work....very short commute like 15 miles round trip.
by capitalhockey
Thu Jan 23, 2020 3:31 pm
Forum: Personal Consumer Issues
Topic: When to Change Car Battery?
Replies: 120
Views: 8826

When to Change Car Battery?

I took car in for the annual safety inspection at dealer (free since I brought car there). Everything passed. However, the dealer rep. recommended new battery ($150 with 7 year warranty) since the voltage tested low but it was still above passing level and there's no issues cranking up the car from ...
by capitalhockey
Tue Jan 21, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: Different View On Money After Cancer Scare?
Replies: 13
Views: 2225

Different View On Money After Cancer Scare?

I am in my late 30s, fairly active and healthy. Went in for my annual medical physical last week. Ran thru all the routine tests. Received a call back a week later to let me know they detected cancer. Thankfully, it's a very treatable cancer but will need surgery to remove. It's not the type of news...
by capitalhockey
Tue Jan 21, 2020 11:12 am
Forum: Personal Consumer Issues
Topic: Staycation Vs. Vacation?
Replies: 34
Views: 3428

Staycation Vs. Vacation?

My wife and I enjoy traveling. A big part of this enjoyment is the food eaten during our trips. We love eating the local cuisine (Cajun in New Orleans, Pizza in Italy, etc). When we reminisce about our trips, we usually remember the meals we had. With that being said, we also live in a major metropo...
by capitalhockey
Thu Jan 09, 2020 4:39 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Policy Increased by 26.8%!!
Replies: 27
Views: 2429

Home Insurance Policy Increased by 26.8%!!

I just received my home insurance renewal notice from Erie Insurance and the premium increased by 26.8%. I was just flabbergasted since I did file any claims or change any coverage. My home value has been steady as well. I called my insurance broker. She explained Erie did an across the board rate i...
by capitalhockey
Fri Dec 20, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: How to Protect Your Most Important Asset
Replies: 45
Views: 6775

How to Protect Your Most Important Asset

Like many folks on this board, I am fortunate to be in great shape w/ personal finance and retirement planning. Likewise, saving and investing funds have been second nature in my life. I spent my 20s building up a career and living very frugally to save and invest. I am in my late 30s now and am gra...
by capitalhockey
Wed Dec 04, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: What To Do After You Have Enough Funds?
Replies: 21
Views: 3128

Re: What To Do After You Have Enough Funds?

In the years before I retired, we lowered our savings rate a bit to spend on major improvements around our house. Things like finishing part of the basement, renovating the bathrooms, new asphalt driveway, new roof, etc. Many things that we could have patched and repair, but decided to spend the mo...
by capitalhockey
Wed Dec 04, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: What To Do After You Have Enough Funds?
Replies: 21
Views: 3128

Re: What To Do After You Have Enough Funds?

Other thoughts: - is taking unpaid leave an option? - +1 on outsourcing chores you dislike / take up a lot of your time - extra expenditure on health related items, like a personal trainer or yoga classes - I don’t want to diminish the value of quality time with your kids, but quality time alone wi...
by capitalhockey
Wed Dec 04, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: What To Do After You Have Enough Funds?
Replies: 21
Views: 3128

Re: What To Do After You Have Enough Funds?

I also encouraged my wife to switch to part time work in her field. Now she only works 3 days a week. We have a bunch of 4 day vacations lined up with her flexible work schedule. She can do grocery shopping and laundry during the weekdays that she is off and we can enjoy the weekends w/ kids and no ...
by capitalhockey
Tue Dec 03, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: What To Do After You Have Enough Funds?
Replies: 21
Views: 3128

Re: What To Do After You Have Enough Funds?

Forgot to add that I recently also took a less stressful job that is came with 10% less pay. In some ways, that is like spending money for better health (mental and physical). I can work at home more with new job and have dinner ready for wife/kids so it's less hectic in the evenings. We can relax a...
by capitalhockey
Tue Dec 03, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: What To Do After You Have Enough Funds?
Replies: 21
Views: 3128

What To Do After You Have Enough Funds?

I read an article on Jack Bogle's book "Enough" and thought about my own situation. I grew up in a lower income family with parents who worked multiple menial jobs as immigrants. We were a family of 6 living in a 2BR/1BA duplex....we never had any money to vacation or did any enrichment activities (...
by capitalhockey
Wed Nov 27, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: What Items Are You Targeting for Black Friday Sales?
Replies: 95
Views: 8252

What Items Are You Targeting for Black Friday Sales?

I am eyeing a few items for Black Friday sales. I don't go into store but do all my shopping online. 1) Underarmour Shirts : I enjoy wearing the fabric since it's breathable and I sweat a lot. I wear them to work out in gym. I wear them casually around the house. I wear them under my dress shirts to...
by capitalhockey
Tue Nov 26, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: Parents Living Well Diminish Children's Motivation in Life?
Replies: 54
Views: 3341

Parents Living Well Diminish Children's Motivation in Life?

I had an interesting conversation with a friend. He mentioned an upcoming trip to Europe with the family. Him and the wife were well traveled before kids and this is their first overseas trip with their teenagers. He told me that they purposely waited 15 years to go back to Europe because they don't...
by capitalhockey
Fri Nov 22, 2019 8:28 pm
Forum: Personal Consumer Issues
Topic: Spending money to make travel easier and luxurious?
Replies: 85
Views: 8629

Re: Spending money to make travel easier and luxurious?

Getting massages at the airport while waiting for plane boarding is a great way to relax and enjoy travel experience.

While we were in Thailand, we got massages daily since they so cheap....felt pampered like a king!
by capitalhockey
Fri Nov 22, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: 5-Day Trip Ideas for Young Families
Replies: 15
Views: 935

Re: 5-Day Trip Ideas for Young Families

There isn't a lot at Massanutten, especially for more than a few days. If you spent most of your time in the Williamsburg area at Great Wolf Lodge (not clear from your post), Colonial Williamsburg itself is a worthwhile destination for adults and children, as are Jamestown and Yorktown. That said, ...
by capitalhockey
Fri Nov 22, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: 5-Day Trip Ideas for Young Families
Replies: 15
Views: 935

Re: 5-Day Trip Ideas for Young Families

I noticed every single one of your trips involve going to cities or destination places. My top 5-day trips for families are: 1. Hiking multi-day trails or having my vehicle shuttled between spots on a longer trail. 2. Paddling trip. Two of my favorites are the 150 mile wild and scenic stretch of th...
by capitalhockey
Thu Nov 21, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: All-inclusive Mexico resort for young families
Replies: 2
Views: 596

Re: All-inclusive Mexico resort for young families

The best resorts for kids (in my opinion) is Crown Paradise in Cancun. We stayed there with our 2 y.o toddler last year for a week. They have a giant kids water park area, arcade playroom and a dedicated kids activities coordinator which have special things for different age groups (toddlers, teens,...
by capitalhockey
Thu Nov 21, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: 5-Day Trip Ideas for Young Families
Replies: 15
Views: 935

Re: 5-Day Trip Ideas for Young Families

There isn't a lot at Massanutten, especially for more than a few days. If you spent most of your time in the Williamsburg area at Great Wolf Lodge (not clear from your post), Colonial Williamsburg itself is a worthwhile destination for adults and children, as are Jamestown and Yorktown. That said, ...
by capitalhockey
Thu Nov 21, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: 5-Day Trip Ideas for Young Families
Replies: 15
Views: 935

Re: 5-Day Trip Ideas for Young Families

We have two young kids (toddler and baby) now so we are looking for something family friendly. Since it's a 5 day trip, we will probably use 2 days for traveling (to and from). We are looking to get some new places and trip ideas. I would find a cabin or condo in the woods, on a lake, or near a bea...
by capitalhockey
Thu Nov 21, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: 5-Day Trip Ideas for Young Families
Replies: 15
Views: 935

Re: 5-Day Trip Ideas for Young Families

Your list doesn't look bad. Thought I'd add a thought to maximize those trips. It sounds like your time is not restricted by work obligations (presume you are watching kids?): Consider going ahead of your spouse for a day or longer on the trips. There's significant time involved in getting luggage,...
by capitalhockey
Thu Nov 21, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: 5-Day Trip Ideas for Young Families
Replies: 15
Views: 935

Re: 5-Day Trip Ideas for Young Families

I noticed every single one of your trips involve going to cities or destination places. My top 5-day trips for families are: 1. Hiking multi-day trails or having my vehicle shuttled between spots on a longer trail. 2. Paddling trip. Two of my favorites are the 150 mile wild and scenic stretch of th...
by capitalhockey
Thu Nov 21, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: 5-Day Trip Ideas for Young Families
Replies: 15
Views: 935

5-Day Trip Ideas for Young Families

Hello, My wife (RN) started a job at a new employer so she will be stuck with low amount of vacation time until she gather up her leave total and move up to the higher leave status after 4 years with this company. With her RN work schedule and holidays next year, there will be a handful of windows f...
by capitalhockey
Fri Aug 09, 2019 8:50 am
Forum: Personal Consumer Issues
Topic: Do You Order "the Special" at Restaurants?
Replies: 50
Views: 4711

Do You Order "the Special" at Restaurants?

My wife and I enjoy eating out at various places....from casual to upscale dining. At most places, the waiter or waitress will always start off going over the restaurant's specials dishes. They will list the name of the dish, ingredients, cooking techniques and pricing. I would let them finish their...
by capitalhockey
Tue Jul 09, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: Approach to Insurance (Car, Home, etc)
Replies: 7
Views: 539

Approach to Insurance (Car, Home, etc)

I was wondering what everyone's view on insurance (car, home, life, etc). My wife and I had an interesting discussion recently when renewing our insurance policies. We are fortunate enough to be well compensated with our careers which allow us to max out retirement accounts, contribute to a non-reti...
by capitalhockey
Mon Jun 03, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Do you know someone who has anti-boglehead lifestyle?
Replies: 9
Views: 1080

Do you know someone who has anti-boglehead lifestyle?

My family grew up without much. I learned to live below my means. With hard work (and some luck), I paid my own way thru college and has been well compensated in my career. Even with more financial resources now, I still tend to live a boglehead lifestyle (used Toyota car, modest home, max out savin...
by capitalhockey
Fri May 10, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Self-Propelled Lawn Mower
Replies: 19
Views: 1237

Self-Propelled Lawn Mower

I mowed my parents lawn when I was growing up (with no allowance!) and may have to do it again soon (they are getting too old for it). Their lawn is a about a .25 acre and pretty flat. I am hoping to get the job done fairly quickly so it doesn't take up a big part of my free time during the weekends...