Search found 964 matches

by alpenglow
Mon Aug 03, 2020 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Welp: Going for Bank Account Bonus Gone Wrong
Replies: 16
Views: 2585

Re: Welp: Going for Bank Account Bonus Gone Wrong

DH and I found TD Bank, especially any online actions, to be a never-ending nightmare. We have a HELOC with them (it was originally on an investment property, and TD was nearly the only bank who would do this, or at least on decent terms.) The simplest movement of funds, or a deposit, was fraught w...
by alpenglow
Mon Aug 03, 2020 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a vacation home in NC mountains and doing Airbnb. Bad idea?
Replies: 41
Views: 3604

Re: Thinking of buying a vacation home in NC mountains and doing Airbnb. Bad idea?

That is a great question. I don't know. I assume we would inherit their half of the house and their half of the debt. I guess your spouse is an only child and/or would be the only person inheriting all of the assets? If not, things could get very interesting. Also, just another personal data point....
by alpenglow
Mon Aug 03, 2020 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a vacation home in NC mountains and doing Airbnb. Bad idea?
Replies: 41
Views: 3604

Re: Thinking of buying a vacation home in NC mountains and doing Airbnb. Bad idea?

My advice then would How far away is it? We own a "cabin" in VT that is 6 hours away. We have young kids too and we never use it. The drive with kids is a such drag. Plus, it just isn't reasonable for a weekend getaway. We're considering selling to buy something more practical within 3 hours. It is ...
by alpenglow
Mon Aug 03, 2020 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a vacation home in NC mountains and doing Airbnb. Bad idea?
Replies: 41
Views: 3604

Re: Thinking of buying a vacation home in NC mountains and doing Airbnb. Bad idea?

How far away is it? We own a "cabin" in VT that is 6 hours away. We have young kids too and we never use it. The drive with kids is a such drag. Plus, it just isn't reasonable for a weekend getaway. We're considering selling to buy something more practical within 3 hours.
by alpenglow
Sat Jul 25, 2020 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: struggling to get a mortgage
Replies: 85
Views: 7306

Re: struggling to get a mortgage

smoothnobody wrote:
Fri Jul 24, 2020 8:59 pm
now my place is sick
Or is it ill?
by alpenglow
Wed Jul 22, 2020 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Best option to pay for large unexpected expense
Replies: 40
Views: 2614

Re: Best option to pay for large unexpected expense

Unless this is a giant tree in the back yard of an urban area looming over 4 houses or something, this quote makes no sense to me. My Mom's house is in a HCOL area and she always hired certified arborists to do work on massive trees, including many removals. The cost never came remotely close to thi...
by alpenglow
Sun Jul 19, 2020 10:59 am
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 185
Views: 19265

Re: Pandemic buys that have improved quality of life?

Big discounts and free shipping from wineries.
by alpenglow
Fri Jul 17, 2020 1:34 pm
Forum: Investing - Theory, News & General
Topic: Got a call from Sharonview FCU about my CD
Replies: 8
Views: 900

Re: Got a call from Sharonview FCU about my CD

pinhead wrote:
Fri Jul 17, 2020 11:38 am
Sharonview called me yesterday asking me if I want to break my 4% CD saying that no penalty will be charged. They are doing this as a courtesy in the event I need access to my money :) Nice try Sharonview.
Wow - that's love right there. Big banks won't give you that kind of "courtesy". :shock:
by alpenglow
Fri Jul 17, 2020 7:17 am
Forum: Personal Consumer Issues
Topic: How to make a little yeast go a long way in baking
Replies: 6
Views: 405

Re: How to make a little yeast go a long way in baking

We have gone the sourdough route. Proofing can run 12-18 hours. The longer it runs, the more "sour" you get. The more you knead, the more chew you get. Have to feed the beast (starter) every once in a while. Loaf normally lasts us about a week or so - not big bread eaters. +1 on the sourdough!
by alpenglow
Sun Jul 05, 2020 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Anyone using Lemonaid?
Replies: 6
Views: 1687

Re: Anyone using Lemonaid?

I like to use my state's list of justified consumer complaints to help compare insurance companies, I think many states do this: http://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/homecomposite.cfm Lemonaid is fairly far down the list for 2019 at 44th. They started with no justified c...
by alpenglow
Sat Jul 04, 2020 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Anyone using Lemonaid?
Replies: 6
Views: 1687

Re: Anyone using Lemonaid?

Thanks for the feedback. Apparently, Lemonaid isn't very popular with Bogleheads.
by alpenglow
Fri Jul 03, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone using Lemonaid?
Replies: 6
Views: 1687

Anyone using Lemonaid?

Not for summer refreshment...the insurance company. I heard of them a couple of years ago and was reminded by their IPO. Does anyone use them for homeowners?
EDIT: I got a quote and they are no cheaper than State Farm.
by alpenglow
Fri Jun 26, 2020 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Going Thru Divorce
Replies: 41
Views: 6640

Re: Going Thru Divorce

5. Find someone that aligns with your own financial goals. Or maybe go down the path of having an awesome solo life? There is far more to life than romantic relationships. Not everybody who is single (I prefer solo) wants a romantic relationship/partner. I was married for 16 years and went through ...
by alpenglow
Wed Jun 17, 2020 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited land with taxes, but appears to be county road!
Replies: 28
Views: 3106

Re: Inherited land with taxes, but appears to be county road!

Do you have an legal liability if anything were to happen on this stretch of highway?
by alpenglow
Wed Jun 17, 2020 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Parents in a tough situation for retirement
Replies: 117
Views: 13373

Re: Parents in a tough situation for retirement

The entitlement here is ridiculous. We are talking about able people in their 50's-60's. Why should you have to enable what some would consider an early retirement? My Mom is in her mid-70's and is still working part-time for two reasons: 1) to keep active and sharp and 2) to pay for some extras in...
by alpenglow
Wed Jun 17, 2020 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Parents in a tough situation for retirement
Replies: 117
Views: 13373

Re: Parents in a tough situation for retirement

The entitlement here is ridiculous. We are talking about able people in their 50's-60's. Why should you have to enable what some would consider an early retirement? My Mom is in her mid-70's and is still working part-time for two reasons: 1) to keep active and sharp and 2) to pay for some extras in ...
by alpenglow
Tue Jun 16, 2020 8:15 pm
Forum: Personal Investments
Topic: Can my portfolio really be this simple?
Replies: 24
Views: 2352

Re: Can my portfolio really be this simple?

Yes! Keep it simple. I wish I knew that at your age. :moneybag
by alpenglow
Tue Jun 16, 2020 11:42 am
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 105
Views: 11107

Re: Should I sell my stash of dental floss now worth $3,000?

My wife made a few bucks when Twinkies and Necco Waffers were discontinued, but they are both back now.

I'd sell.
by alpenglow
Sun May 24, 2020 6:26 pm
Forum: Personal Consumer Issues
Topic: Discount wine sites for upscale wine?
Replies: 12
Views: 1578

Re: Discount wine sites for upscale wine?

Last Bottle has daily deals. Some are meh, some are great. The Pinot he has up for sale right now (Lutum Sanford & Benedict Vineyard) is excellent for the money.

This a referral link: https://www.lastbottlewines.com/invite/ ... 48422.html
by alpenglow
Sat May 23, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10876

Re: Personal spending out of control after Covid-19

Regarding the drinking, it has indeed gone from 3 drinks on the weekend to 1 or 2 drinks every night. However, 2 drinks a night is the official guideline for alcoholism. A fact that most of my friends and co-workers were surprised to learn, and a few suggested that it doesn't apply to the current e...
by alpenglow
Sat May 23, 2020 3:50 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10876

Re: Personal spending out of control after Covid-19

We were in a bit of a wine rut so we decided to explore/return to other styles/regions of wine just before Covid-19 started. There are a lot of wineries offering deals and we've been "taking advantage" of the opportunity. Probably just random timing because normally we don't spend money on much of a...
by alpenglow
Tue May 12, 2020 6:25 am
Forum: Personal Consumer Issues
Topic: 90%+ chocolate bar
Replies: 67
Views: 5043

Re: 90%+ chocolate bar

I used to live near Taza Chocolate in Somerville, MA (https://www.tazachocolate.com). They have chocolate bars that go up to 95% pure. They are called "Wicked Dark". According to web site: Perfectly unrefined, super intense 95% dark stone ground chocolate. This barely-sweet bar has just 2 grams of ...
by alpenglow
Sun May 10, 2020 4:49 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 7109

Re: Has Your Spending Changed Since The Shutdown?

Wine spending is way up! Too many good wineries with deals.
by alpenglow
Sun May 10, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Buying a used Jaguar
Replies: 40
Views: 2600

Re: Buying a used Jaguar

I would give it a good detailing and resell it before something goes wrong. I have two friends that owned Jags. Both had massive problems and maintenance costs. Neither owns a Jag anymore.
by alpenglow
Sun May 10, 2020 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Choosing not to correct all billing/financial errors
Replies: 68
Views: 4730

Re: Choosing not to correct all billing/financial errors

Along these lines, I've recently stopped bringing back refundable containers. Into the recycling bin they go. Just not worth my time. In 1970 I decided that recycling was just a plot to get me to stockpile garbage. My opinion has not changed, and it is just now coming out that much, if not most, of...
by alpenglow
Sat May 09, 2020 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing not to correct all billing/financial errors
Replies: 68
Views: 4730

Re: Choosing not to correct all billing/financial errors

Along these lines, I've recently stopped bringing back refundable containers. Into the recycling bin they go. Just not worth my time.
by alpenglow
Fri May 08, 2020 6:16 pm
Forum: Personal Consumer Issues
Topic: Shipping Wine in Warm Weather
Replies: 23
Views: 1294

Re: Shipping Wine in Warm Weather

We belong to several California wine clubs, and our shipments always come standard UPS (signature required for delivery). No climate control on the trucks. With one exception, the wineries only schedule shipments from October through April to avoid the summer heat. The one exception is a sparkling ...
by alpenglow
Tue May 05, 2020 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $200 from Penfed?
Replies: 52
Views: 5526

Re: Easy $200 from Penfed?

I've really cut back on bonus chasing, but given my preexisting relationship with PenFed, this was an easy one.
by alpenglow
Wed Apr 29, 2020 6:58 am
Forum: Investing - Theory, News & General
Topic: Is LTT appearing "nice" only because interest rates has been dropping since "forever"?
Replies: 89
Views: 4736

Re: Is LTT appearing "nice" only because interest rates has been dropping since "forever"?

I grabbed $200k of brokered 3yr 3% CDs when my PenFed 3% CD matured. I have no idea what I'll do when these mature. I academically understand the role of LTTs in a portfolio but have a lot of trouble pulling the trigger at these rates. I'll probably just buy stocks.
by alpenglow
Wed Apr 29, 2020 6:09 am
Forum: Personal Consumer Issues
Topic: Coffee Experts - Help with an online coffee order
Replies: 44
Views: 3721

Re: Coffee Experts - Help with an online coffee order

I've tried a few things from Strongtree recently and I've been happy with their coffees. I like dark roasts but hate any burnt taste. It seems like a fine line to get it right and I think they do. https://strongtreecoffee.com/
by alpenglow
Fri Apr 24, 2020 8:16 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 299
Views: 19265

Re: So what are you cooking

White pizza. I followed the recipe here: White Pizza Except: - I used my own homemade pizza dough. I made this first, then starting on the toppings while the dough was rising. I didn't pierce the dough with a fork as the recipe suggested. - 8 oz. part-skim mozarella. I don't think it's as good as w...
by alpenglow
Tue Apr 21, 2020 4:27 pm
Forum: Personal Consumer Issues
Topic: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three to
Replies: 131
Views: 6515

Re: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three

I bought a Prius Prime just before the Covid-19 situation and I'd probably do it again. Between the $4500 federal credit, a NY state credit, $3000 cash back from Toyota (now $3500), and solar panels on my roof that generate excess power, it' was a good deal. You can probably do better on price now g...
by alpenglow
Mon Apr 20, 2020 4:15 pm
Forum: Personal Investments
Topic: Can someone help me to comprehend secondary market CDs?
Replies: 6
Views: 647

Re: Can someone help me to comprehend secondary market CDs?

I simply filter for non-callable CDs and look at the yield to worst. I avoid premium CDs (priced over 100) for the reason welderwannabe mentioned. I locked in some 3 year, 3% CDs a year ago and haven't looked at rates recently. You're likely to do better going direct to banks/credit unions right now...
by alpenglow
Mon Apr 20, 2020 4:09 pm
Forum: Investing - Theory, News & General
Topic: JPMorgan Chase Stops Accepting HELOC Applications Due to Coronavirus Uncertainty
Replies: 17
Views: 2143

Re: JPMorgan Chase Stops Accepting HELOC Applications Due to Coronavirus Uncertainty

Harry Livermore wrote:
Sun Apr 19, 2020 6:56 am
My greatest joy is when I can say "no thank you" to a banker. Almost there.
Amen.
Outside of credit cards that are paid off monthly, I'm finally there. Bought a new car for cash for the first time and it felt great.
by alpenglow
Mon Apr 20, 2020 3:43 pm
Forum: Investing - Theory, News & General
Topic: Renaissance Says Quant Models Misfired During March Mayhem
Replies: 56
Views: 4928

Re: Renaissance Says Quant Models Misfired During March Mayhem

I know some Bogleheads like to complain about their property taxes from time to time.

Fun fact: Robert Mercer, CEO of RenTech, pays about $800,000/year in property taxes on his Long Island home. Of course, he can afford it.
by alpenglow
Mon Apr 20, 2020 1:55 pm
Forum: Investing - Theory, News & General
Topic: [Oil futures price plummets, Bogleheads react]
Replies: 154
Views: 8368

Re: [Oil futures price plummets, Bogleheads react]

We're all familiar with a short squeeze. Would it be fair to call this a "long squeeze"?
by alpenglow
Mon Apr 20, 2020 7:28 am
Forum: Investing - Theory, News & General
Topic: Price of oil has collapsed; how will this impact the economy?
Replies: 108
Views: 8555

Re: Price of oil has collapsed; how will this impact the economy?

Pretty amazing price move. I was feeling like ~$20 was a bottom but what do I know.That's why I do 3 fund and call it a day. As far as impact, I'm sure this will be put junk bonds under pressure again, since energy is a big component there. Then again, the Fed is buying corporates to hold up the mar...
by alpenglow
Sat Apr 18, 2020 8:14 am
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 75
Views: 5818

Re: Should I buy a new rice cooker from Zojirushi?

We've had a small Zoji for 11 years and we make brown rice weekly. I would definitely buy one again if ours "died".
by alpenglow
Wed Apr 15, 2020 5:06 pm
Forum: Personal Consumer Issues
Topic: Wine Clubs... Value? Recommendations?
Replies: 13
Views: 1195

Re: Wine Clubs... Value? Recommendations?

There are a lot of wineries offering free or significantly reduced shipping right now. I've ordered from LI, the Finger Lakes, and CA . What kind of wines are you looking for? I can recommend Last Bottle Wines. They email a daily deal - the writing style is a little annoying but the prices are usual...
by alpenglow
Tue Apr 07, 2020 7:17 pm
Forum: Personal Investments
Topic: Do we need to rebalance Vanguard Target Retirement Funds ?
Replies: 16
Views: 1278

Re: Do we need to rebalance Vanguard Target Retirement Funds ?

If you own one fund there is nothing to rebalance. TR funds are "funds of funds" that rebalance themselves.
by alpenglow
Sat Apr 04, 2020 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 180
Views: 10929

Re: Are your personal expenses down during stay home and shelter?

Lots of wineries have been offering discounts and/or free shipping (wine is heavy and expensive to ship!), so I've been spending a lot more than usual. :beer
by alpenglow
Thu Apr 02, 2020 11:48 am
Forum: Personal Investments
Topic: Does anyone else just not care/worry?
Replies: 139
Views: 9907

Re: Does anyone else just not care/worry?

Perhaps jaded from previous market drops and recoveries, but this decline does not seem to stir any emotion for me. At 70, and retired for 15 years, I've seen enough that I'm comfortable with a decade (or more) of portfolio withdrawals stored in bond index funds, regardless of what level, stock ind...
by alpenglow
Thu Apr 02, 2020 9:15 am
Forum: Personal Investments
Topic: Does anyone else just not care/worry?
Replies: 139
Views: 9907

Re: Does anyone else just not care/worry?

I think I’ve become numb to the market gyrations at this point. I was watching the market yesterday and I thought, “oh we’re only down 4% - that’s not that bad”. You really start to get used to the bigger moves. When this is all over a move of a couple hundred points will seem like nothing. I too a...
by alpenglow
Thu Apr 02, 2020 7:46 am
Forum: Personal Investments
Topic: Does anyone else just not care/worry?
Replies: 139
Views: 9907

Re: Does anyone else just not care/worry?

Perhaps jaded from previous market drops and recoveries, but this decline does not seem to stir any emotion for me. At 70, and retired for 15 years, I've seen enough that I'm comfortable with a decade (or more) of portfolio withdrawals stored in bond index funds, regardless of what level, stock ind...
by alpenglow
Thu Apr 02, 2020 6:34 am
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 108
Views: 8906

Re: Did you move for better weather? Did you regret it?

If you are looking on the East Coast, I think the area around the eastern Tennessee/western NC border is awesome. All four seasons with great hiking and it doesn't get too hot in the mountains. Asheville is overcrowded/expensive, but the surrounding towns are much more affordable with some nice lit...
by alpenglow
Wed Apr 01, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: What's worth paying more for?
Replies: 80
Views: 6643

Re: What's worth paying more for?

Pretty much anything that goes in my mouth. Fruit and veg from local farms, local pastured meats and eggs, quality loose-leaf tea, craft beer, better wine, etc. :beer
by alpenglow
Wed Apr 01, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 108
Views: 8906

Re: Did you move for better weather? Did you regret it?

If you are looking on the East Coast, I think the area around the eastern Tennessee/western NC border is awesome. All four seasons with great hiking and it doesn't get too hot in the mountains. Asheville is overcrowded/expensive, but the surrounding towns are much more affordable with some nice lit...
by alpenglow
Tue Mar 31, 2020 8:31 am
Forum: Personal Consumer Issues
Topic: Security for unoccupied home.
Replies: 24
Views: 1523

Re: Security for unoccupied home.

Thanks sandtrap. One home was broken into and ransacked, which has prompted immediate concern.
by alpenglow
Tue Mar 31, 2020 8:17 am
Forum: Personal Consumer Issues
Topic: Security for unoccupied home.
Replies: 24
Views: 1523

Re: Security for unoccupied home.

My Mom's street has become a bit desolate over the last year (4 out of 5 homes around her are now empty and the lots are large) so I've been thinking of adding some cameras and other security for her. Thanks to all that contributed to this thread!
by alpenglow
Tue Mar 31, 2020 7:30 am
Forum: Investing - Theory, News & General
Topic: Mortgage - Keep balance as High as Possible
Replies: 162
Views: 11852

Re: Mortgage - Keep balance as High as Possible

My dad was a trust fund baby and worked a lucrative job. He always said it is best to have as much debt as possible cause then everyone you owe is pulling for you to succeed. This reminds me of him. He died destitute. Give us the details here. Leverage can work very well if you used properly. Did h...