Search found 35 matches

by bobolinx
Fri Jul 27, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Figuring out long-term technology plan for kids - Chromebook?
Replies: 43
Views: 2319

Re: Figuring out long-term technology plan for kids - Chromebook?

Former teacher quick response: Chromebook should aid in doing homework and uploading assignments for her. If she needs/wants something more sophisticated in high school you haven't lost anything and the younger child can use the chromebook. As a science teacher, I found Google Sheets lacking in soph...
by bobolinx
Tue May 15, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Advice for first time homebuyer
Replies: 12
Views: 1112

Re: Advice for first time homebuyer

Get the floors sanded and refinished, ceilings and walls painted. Make sure it is weather tight and the furnace/ac are working. It will be useful if you keep 5K aside to make minor repairs, or help with moving costs. Best!
by bobolinx
Tue May 15, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest $600K for Retirees
Replies: 26
Views: 4379

Re: How to Invest $600K for Retirees

While speaking with a Fidelity representative recently, he mentioned that there was a fixed annuity that pays 5.5% for life. At 600K, that yields approximately $2700/mo for life. 18 years to make up principle. Reasonable fees. Simple monthly income.
by bobolinx
Wed May 09, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 6120

Re: What's the view on dogs running free?

Two issues here: 1) Dogs "trespassing", which may or may not be a problem. They could bother neighborhood cats, poop in your garden, or scare small children. 2) Dogs not responding to a whistle or "come" when called and neighbors trespassing in consequence. All dog owners must strive to have control...
by bobolinx
Mon May 07, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 8978

Re: What career for smartest kid in the class?

So...I have taught many brilliant students. When you say "smartest" what does that refer to? Who are you comparing to? What type of intelligence? I can think of some "genius" students that went into early child care, programming, biotech, ancient languages, engineering, liberal arts... One student w...
by bobolinx
Wed Apr 11, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Owners Title Insurance - Super Heavy Handed Pitch
Replies: 101
Views: 6684

Re: Owners Title Insurance - Super Heavy Handed Pitch

So...forgetting the odds of needing insurance, or the cost...the decision can also boil down to convenience. Some people have the time and resources to deal with the inconvenience when issues may arise, others may not. We were on a time crunch to sell. Others are needing to move quickly and the indu...
by bobolinx
Tue Apr 10, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Owners Title Insurance - Super Heavy Handed Pitch
Replies: 101
Views: 6684

Re: Owners Title Insurance - Super Heavy Handed Pitch

When I bought my first house, I included title insurance at the behest of the mortgage company. There were so many forms and tiny fees that I just went along not fully understanding the implications. As I sold the house, my lawyer asked if I had title insurance and with which company. It seemed triv...
by bobolinx
Wed Mar 21, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Buy vs rent Boston area?
Replies: 38
Views: 4830

Re: Buy vs rent Boston area?

I live in the metro-west of Boston. Boston is a great place to live and work. Not perfect, but wonderful for job opportunities, education for children and higher ed, plus location to both mountains and ocean. Financially, the cost is competitive with other markets. As others have said, rent, find a ...
by bobolinx
Wed Mar 14, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 13877

Re: Need advice re: Liberal Arts Colleges...

Of course, the final answer depends on your daughter and some good timing of opportunities. Since your daughter is hard working, encourage her to keep her eyes open and take advantage of opportunities for experience and learning. Offering to help with 4 years of tuition is quite generous. She can ea...
by bobolinx
Thu Mar 08, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Converting old home to open plan layout?
Replies: 45
Views: 4239

Re: Converting old home to open plan layout?

While there has been a general trend to an open plan layout, the pendulum of interior design is swinging back a bit to providing small areas for privacy and "coziness". I would consult Remodel magazines and provide for your needs. A compromise plan, with retaining the load-bearing walls should be po...
by bobolinx
Thu Mar 08, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Garage door extra remote solution
Replies: 15
Views: 1709

Re: Garage door extra remote solution

These garage remotes are similar, programming-wise, to tv remotes. Sometimes you can easily find the code that works and sometimes they are not compatible. I received a garage door "universal" remote from my husband to use when biking. I followed all the directions from the remote company, then some...
by bobolinx
Sun Jan 28, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 154
Views: 14492

Re: Your shopping strategy for new tires?

Call my trusted mechanic. I give him the measurements from the door jamb. He asks what type of tire, all season. He asks if I want expensive, medium priced, or inexpensive. The response varies with the life of the car. He calls me when they are in. They are generally close to the tire rack price and...
by bobolinx
Mon Jan 22, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Window Blinds - Bali, Levolor, Hunter Douglas
Replies: 36
Views: 82471

Re: Window Blinds - Bali, Levolor, Hunter Douglas

When we bought a new house, we needed blinds for privacy and insulation. We bought Bali blinds from Lowes. They pull down from the top, or raise from the bottom, insulate during extreme temperatures and work flawlessly with no dangling cords. Lowes sent a representative to measure the windows, and t...
by bobolinx
Mon Jan 22, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Xfinity broadband: should I try to negotiate a better deal?
Replies: 31
Views: 2113

Re: Xfinity broadband: should I try to negotiate a better deal?

In my last town, there was a competition between Fios and xfinity. After the promotion, I would switch to the other service for the best promotional deal. I asked at the FIos store why they did not value their loyal customers. The reply explained that they are rated on new customer sign-ups by the s...
by bobolinx
Thu Jan 18, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing in last 12 months
Replies: 19
Views: 1664

Re: Rebalancing in last 12 months

Slowly selling winners and moving towards less aggressive allocation. Bought some AGG, and global wellesley income. Taking advantage of high prices on some long-term equities to sell. Not looking forward to the tax hit, but am in the simplifying stage for the investments. Time to become less aggress...
by bobolinx
Thu Dec 28, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Think Home might have Asbestos (what to do?)
Replies: 20
Views: 1423

Re: Think Home might have Asbestos (what to do?)

The first step is to test. If positive, then remove it. Why have this problem continue? It doesn't sound that expensive to remove and the tiles will continue to age and become a possible problem in the future. If you were going to sell soon, then maybe ignorance would be the best choice, but not for...
by bobolinx
Thu Dec 28, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: North east cross country ski getaway
Replies: 7
Views: 559

Re: North east cross country ski getaway

Hi Bash Dash, We have excellent snow this year in New England so your options are much broader than in a low snow year. Many ski resorts also have cross-country. Pick a location you want to visit with quality childcare. You probably won't be skiing all day. Try to get registered in some classes with...
by bobolinx
Fri Dec 22, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: iPhone 4 troubleshooting
Replies: 15
Views: 1431

Re: iPhone 4 troubleshooting

The iPhone 4 was my first smart phone. I loved so many things about it. Traveling and being able to check e-mail, getting messages from google voice when out of phone range or overseas, reading library books, catching up on news. The reviews were wonderful for the phone. Yet... all my friends compla...
by bobolinx
Tue Nov 14, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Iphone 4
Replies: 37
Views: 2712

Re: Iphone 4

The iphone 4 was my first smartphone. It was bought used on Amazon. I loved using it to travel. The phone, as a phone, was awful. My cheek kept hitting the mute button and I would always have to switch screens before talking. People complained about the voice quality. After one year, I bought an iPh...
by bobolinx
Tue Oct 31, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Pet insurance?
Replies: 50
Views: 5483

Re: Pet insurance?

We do not have insurance on our pets. One of my best friends had a terrific vehicle accident while moving from the west to east coast. One of the dogs was severely hurt. Having pet insurance helped to ensure a speedy and life saving surgery for the dog. She is so glad that she had the insurance. Loo...
by bobolinx
Wed Oct 25, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 4930

Re: Amazon kindle paperwhite

Here are a few thoughts: 1. If you were not interested in a kindle paperwhite before the add, I would ignore it. 2. As a kindle paperwhite user, I enjoy it. Some advantages are: a) I can travel and have plenty of reading with me for very little weight and space; b) it is easy to read with in no or d...
by bobolinx
Tue Aug 29, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Buying home together
Replies: 17
Views: 1568

Re: Buying home together

Since both can afford a mortgage, why not both buy? Brothers in their 20's are about to face many life changes that will make co-ownership inconvenient. The idea of a duplex makes more sense. The one who is most stable should buy and the other rent from him until he is ready to buy. The cost of buyi...
by bobolinx
Tue May 23, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and their "free advisor" service?
Replies: 34
Views: 6016

Re: Fidelity and their "free advisor" service?

I have an account at Fidelity. Their advice varies. But it is a good idea for your father to understand how they are being payed. It is also important for you to understand how your father will appreciate an account "advisor" that he can call and ask questions to. We older folks do like our personal...
by bobolinx
Thu Mar 23, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need title insurance?
Replies: 43
Views: 4469

Re: Do I need title insurance?

Sold my house 3 months ago. There was some technicality* brought up by the buyer's lawyers. My lawyer asked about my title insurance. I went through all of my paperwork saved from 16 years previous and found that it was registered with x company. Called my lawyer. Problem went away. I was glad that ...
by bobolinx
Thu Sep 08, 2016 8:29 pm
Forum: Personal Consumer Issues
Topic: Traveling to Italy and renting a vehicle -- auto insurance?
Replies: 21
Views: 2583

Re: Traveling to Italy and renting a vehicle -- auto insurance?

It's been 5 years, and we used a combination of trains and a rented a car for traveling to Tuscany. We used Eurocar. They were professional and simple to use. Yes...get car insurance. The nightmare that you save, should something happen, is alleviated. Have a wonderful trip!
by bobolinx
Fri Jul 22, 2016 3:15 pm
Forum: Personal Consumer Issues
Topic: Renovate or replace 12yr old SUV?
Replies: 45
Views: 3374

Re: Renovate or replace 12yr old SUV?

Sounds like a good plan. The issue is reliability after 10 or so years. Living in New England, road salt usually rusts the frame and the hoses seem to crack. The engine of your Pilot should be fine, but I am wary after the 10 year mark for all the plastics, rubber hoses, gaskets.... Your son will pr...
by bobolinx
Fri Jul 22, 2016 3:05 pm
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 57
Views: 5873

Re: World VCR production is ending next month. What to do with my old VHS tapes?

I'm in the middle of moving. All VCR equipment and tapes have been tossed. Who has time to go back? Isn't 90% of the content on-line?
by bobolinx
Fri Jul 22, 2016 3:01 pm
Forum: Personal Consumer Issues
Topic: Visiting Acadia National Park - Tips?
Replies: 22
Views: 2306

Re: Visiting Acadia National Park - Tips?

Bar Harbor is a nice tourist town, not large. It will accommodate one rainy day for your visit. After that, it could be harder with kids. However, whale cruises, visits to outer islands, hiking within the park, biking the carriage trails, could all be fun. College of the Atlantic has reasonably pric...
by bobolinx
Tue Jun 21, 2016 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Eletronic Delivery vs Mail [fund statements, tax forms]
Replies: 46
Views: 3708

Re: Eletronic Delivery vs Mail

Statements via e-mail, easy to check when convenient. Tax info via snail mail, to avoid printing and it makes it easy to validate numbers on tax software. I do get paper prospectus from VG and usually just recycle, but sometimes peruse and understand the fund better. I like having a paper file for t...
by bobolinx
Tue May 03, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Sunscreen
Replies: 51
Views: 5143

Re: Sunscreen

For most people, banana republic, or no-ad are cheap and work well. I have fair skin and need Coppertone/sea & ski/ neutrogena 15+ waterproof. The cheaper ones work for short exposure, but an all day sun adventure or work day requires something strong. If you or your children are sensitive to the su...
by bobolinx
Mon Jun 29, 2015 7:57 pm
Forum: Personal Consumer Issues
Topic: can you recommend comfortable walking shoes?
Replies: 48
Views: 12480

Re: can you recommend comfortable walking shoes?

As we age, shoes are more difficult for those of us who are active. I recommend Superfeet inserts for support. They were designed by a podiatrist and substitute for my orthotics in many shoes. Also, running shoes may or may not be useful. They are designed for light people and their midsoles do not ...
by bobolinx
Fri May 01, 2015 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Private Schools - Tuition
Replies: 90
Views: 8582

Re: Private Schools - Tuition

There are so many points to consider when making this decision. Many have been stated earlier. So to avoid re-capping, I'll just add another point. Each child is different. A top student will succeed in most educational settings since there are usually "honors" tracks. A special needs student will s...
by bobolinx
Fri Apr 17, 2015 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: M* Article today 4/17 on ATT's shaky dividend
Replies: 20
Views: 2438

Re: M* Article today 4/17 on ATT's shaky dividend

I too have had some shares at compuserve. Do you have on-line access to your compuserve account? If you do, you can get information as to when you acquired the shares and that will help with the cost-basis. I found that transferring my shares to Fidelity, VG would work just as well, made managing th...
by bobolinx
Fri Feb 25, 2011 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: arriving late to the party
Replies: 5
Views: 1343

thanks for the info so far

Thank you for responding. I realize that it is time consuming to help us who are just beginners. I thought that I had followed the posting guide, but realize now that there were some omissions. The marginal tax rate I pay is 25%. I am maxing out my contributions at work, but only have that money in ...
by bobolinx
Fri Feb 25, 2011 9:12 am
Forum: Investing - Help with Personal Investments
Topic: arriving late to the party
Replies: 5
Views: 1343

arriving late to the party

Ok...I'm 50, and have spent too much time saving and not enough investing. Looking ahead, this strategy will not give me anything to live on after retiring. So... I have been slowly investing in blue chips for 20 years, but still have too much cash. Panic hit over the holidays and I bought into some...