Search found 527 matches

by Wellfleet
Tue Aug 20, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Are there advantages to being married to a teacher?
Replies: 111
Views: 6779

Re: Are there advantages to being married to a teacher?

From the few friends and soccer parents who are teachers in town, several have talked about this. I thought this was pretty universal. I know some with Masters working on their PhD. We've had teacher meetings at school (when our kids were younger) where the teacher had a drop dead time because they...
by Wellfleet
Tue Aug 20, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Are there advantages to being married to a teacher?
Replies: 111
Views: 6779

Re: Are there advantages to being married to a teacher?

Jack FFR1846 wrote:
Tue Aug 20, 2019 10:18 am
In MA, teachers can attend state universities free of charge.
Do you have more information? Never heard of this.
by Wellfleet
Mon Jul 29, 2019 9:22 am
Forum: Personal Investments
Topic: Vacation real estate investments
Replies: 8
Views: 807

Re: Vacation real estate investments

Hot off the press in Boston: "Cape Cod Rentals are Having an Unexpectedly Slow Summer"

https://www.bostonglobe.com/metro/2019/ ... story.html
by Wellfleet
Mon Jul 29, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: Oil to natural gas conversion anyone?
Replies: 43
Views: 1990

Re: Oil to natural gas conversion anyone?

$2800 for new oil tank including removal of old unit $450 for removal if I convert to gas I think I will convert to gas. I am obtaining 2-3 more quotes then will pull trigger to get gas in here, with a future heat zone available for future expansion.. Mass Saves has 0% financing for 72 months and a...
by Wellfleet
Fri Jul 26, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Way out of financial catastrophe?
Replies: 80
Views: 10766

Re: Way out of financial catastrophe?

As in: no chimney, no interior doors, floors, or interior drywall or paint. No roofs or gutters except to prevent immediate water damage. You do not need working plumbing and electrical in the whole house. If the old windows are still in the facade, store the new ones rather than install. Any mater...
by Wellfleet
Thu Jul 25, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Way out of financial catastrophe?
Replies: 80
Views: 10766

Re: Way out of financial catastrophe?

Demo the whole thing and rebuild?
by Wellfleet
Wed Jul 24, 2019 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Creative, "outside the box" to lower auto expenses?
Replies: 63
Views: 3478

Re: Creative, "outside the box" to lower auto expenses?

You want "outside the box" ideas, but refuse to drop from two cars to one? Drop to one car. Everything else is trivial compared to halving your car fleet. Agree. I live in the exurbs and it would be cheaper to take rideshare to train station 5 days a week versus owning a car. Only thing holding me ...
by Wellfleet
Fri Jul 12, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: priority of supporting parents vs saving for college
Replies: 54
Views: 3689

Re: priority of supporting parents vs saving for college

My parents always have a open room in my finished basement if needed. I won't let them go hungry or sick but beyond that I save for myself and my kids.
by Wellfleet
Fri Jun 28, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Who has a "green" roof? Sedum or other vegetation?
Replies: 17
Views: 1078

Re: Who has a "green" roof? Sedum or other vegetation?

It would be nice to also hear about the evidence you used to support this statement. Which would you prefer in your backyard, a big slab of concrete or grass you never have to mow? Let's see your evidence as well...I prefer low cost, visually appealing rain gardens with native vegetation...but that...
by Wellfleet
Fri Jun 28, 2019 6:37 am
Forum: Personal Consumer Issues
Topic: Who has a "green" roof? Sedum or other vegetation?
Replies: 17
Views: 1078

Re: Who has a "green" roof? Sedum or other vegetation?

I can’t see any financial benefit if that’s what you are going for. It’s going to have maintenance costs and likely make your home more difficult to sell. I think green roofs have dubious enviro benefits and are more of a green statement. If you want the environmental benefit, install a rain garden ...
by Wellfleet
Wed Jun 19, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 9561

Re: Article on high deductible health plans - and the math

Apologies if someone linked it already but the NY Times published a helpful article in 2017 that I used to do the math and ultimately go with a HDHP + HSA. https://www.nytimes.com/2017/11/04/business/which-health-plan-is-cheaper.html In a year where my full deductible is used, the HDHP is $100 more ...
by Wellfleet
Sun Jun 16, 2019 6:18 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 75
Views: 11081

Re: Is it a waste of money having your furnace checked every year?

Chiming in late, but nonetheless for readers other than OP, who seems to have sensibly capitulated two years ago : Of course it's a waste of money, if by spring it ends up not having killed you and your family with carbon monoxide during the winter. Anyhow, even if it did do that, one's family woul...
by Wellfleet
Sun Jun 16, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 75
Views: 11081

Re: Is it a waste of money having your furnace checked every year?

For oil furnaces, annual service is a necessity. Heating oil is a dirty fuel and the very least needs to be inspected and cleaned annually. This is why I do it annually for our oil burning furnace. Are you in a state that now requires ultra low sulfur diesel? If so, I’ve looked at some research fro...
by Wellfleet
Thu Jun 13, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11519

Re: Retired at 35 and have no friends :(

Great advice thus far. Agree that we need more information. If I were the OP: 1. Find communities of workers who have weekdays off like hospitality workers, medical professionals, first responders, etc. who do weekend things during the week. There is a ton of stuff in my community during the week I ...
by Wellfleet
Wed Jun 12, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: (Water Filtration System) Miracle we are all not dead
Replies: 61
Views: 5729

Re: (Water Filtration System) Miracle we are all not dead

That's a great idea. I didn't even know an 'independent test' could be done. Where would I even go about finding someone who can do this? Why do you trust the accuracy of water tests of a travelling salesperson??? If you're worried about your water, get an independent test done from a lab (or two) ...
by Wellfleet
Thu Jun 06, 2019 4:12 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8955

Re: Costco or Sam's Club?

I have a Costco and Walmart nearby. We like Costco and annual savings on contact lenses pays for the membership. The Walmart is clean and not busy but I feel like I’m always getting taken advantage of on something. Recent annoyances have been Mobil1 oil more expensive in store at Walmart versus onli...
by Wellfleet
Tue Jun 04, 2019 7:11 am
Forum: Personal Consumer Issues
Topic: Trip to Vermont/New Hampshire
Replies: 34
Views: 2255

Re: Trip to Vermont/New Hampshire

Here’s the trip my wife and I took starting from Boston a few years back. https://www.google.com/maps/d/viewer?mid=1BuEJFON-typT3xCwh05n_upWYm0&shorturl=1&ll=43.46788552890576%2C-71.91728999999998&z=8 I think this ^^ is a wonderful route to follow. This map from Yankee Magazine is a week or so earl...
by Wellfleet
Fri May 31, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 39232

Re: For those who earn $500k+ per year. How'd you do that?

Tough to do on one salary. How about technical sales? Selling those manufactured bridge components must be lucrative? What I've seen in my limited experience: 1. Tech worker + tech worker. 2. Tech worker + civil engineer 3. Nurse + engineer 4. Teacher + tech worker 5. Police officer + engineer 6. Sa...
by Wellfleet
Wed May 29, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 15475

Re: Can we afford to pay for our kid's college (at all)?

Yes, OP can afford to pay for their kid's college 100% in my opinion. If nothing else, push back retirement beyond 61 and 64.
by Wellfleet
Sun May 26, 2019 6:30 am
Forum: Personal Consumer Issues
Topic: Where to buy products at TRUE wholesale prices?
Replies: 51
Views: 4078

Re: Where to buy products at TRUE wholesale prices?

I’m familiar with wholesale in the form of construction or restaurant suppliers who only sell to licensed businesses good like bricks, furnaces, lumber or hamburgers.
by Wellfleet
Fri May 17, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Cost to regrade/flatten a backyard
Replies: 26
Views: 1770

Re: Cost to regrade/flatten a backyard

I had about 5,000 square feet re-graded last summer and lots of loam brought in. I then seeded grass myself in the fall. Cost was $2,500 in New England.
by Wellfleet
Tue May 14, 2019 7:34 am
Forum: Personal Consumer Issues
Topic: Heating with propane?? Good idea?
Replies: 38
Views: 2074

Re: Heating with propane?? Good idea?

Massachusetts has a good guide describing the cost differences of different heating fuels. https://www.mass.gov/info-details/house ... ting-costs

You are lucky that energy is so much cheaper where you are!
by Wellfleet
Mon May 13, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Help parents with house
Replies: 33
Views: 2450

Re: Help parents with house

I've played with all of these ideas for my family and renting will be the plan for them.
by Wellfleet
Fri May 03, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 12110

Re: Rarely used items that are worth having?

For snowy locations, a snow roof rake as well as electric pipe heat cables to thaw frozen pipes.

These become very scare in winter weather.
by Wellfleet
Thu May 02, 2019 6:17 am
Forum: Personal Consumer Issues
Topic: Hiring a contractor to cut down some trees....what should I be aware of?
Replies: 89
Views: 5455

Re: Hiring a contractor to cut down some trees....what should I be aware of?

Always get a written estimate. I actually have a preference for contractors who are smaller outfits and are less formal- unmarked trucks, etc., but they all provide written estimates. I’ve never had a contractor reject work after I got other quotes. If I go with this particular contractor, I'll hav...
by Wellfleet
Wed May 01, 2019 12:55 pm
Forum: Personal Consumer Issues
Topic: Hiring a contractor to cut down some trees....what should I be aware of?
Replies: 89
Views: 5455

Re: Hiring a contractor to cut down some trees....what should I be aware of?

Always get a written estimate. I actually have a preference for contractors who are smaller outfits and are less formal- unmarked trucks, etc., but they all provide written estimates.

I’ve never had a contractor reject work after I got other quotes.
by Wellfleet
Mon Apr 29, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 73
Views: 6454

Re: out of network emergency visits. Huge bill!!!

This happened on this past Saturday? In my experience, including family ER visits there’s no rush to settle anything. I’d let the bills wind their way through insurance- explanation of benefits, I believe tells you in writing what will be covered. Should take a month.Then wait for the bills from th...
by Wellfleet
Mon Apr 29, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 73
Views: 6454

Re: out of network emergency visits. Huge bill!!!

This happened on this past Saturday? In my experience, including family ER visits there’s no rush to settle anything. I’d let the bills wind their way through insurance- explanation of benefits, I believe tells you in writing what will be covered. Should take a month.Then wait for the bills from the...
by Wellfleet
Mon Apr 22, 2019 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted living and nursing home expenses
Replies: 27
Views: 1898

Re: Assisted living and nursing home expenses

Thank you for posting this. My family is soon-to-be in the same boat.
by Wellfleet
Mon Apr 15, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 80
Views: 5185

Re: Boston area - nice towns for families

+1. I work in downtown and am looking to limit my door-to-door commute to an hour and am having a tough time with search criteria and budget similar to OP's. Not to hijack this thread but have you looked at locations near the commuter rail? I'm aware of towns on most of the lines that fit your need...
by Wellfleet
Mon Apr 15, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 80
Views: 5185

Re: Boston area - nice towns for families

Check out Ipswich. Small town on the ocean. Good schools. Its got Crane Beach and nature reserve. Boston & Maine R.R. stops there -28 miles from Boston. Respectfully, Ipswich would be about the last recommendation I would make. 40 miles away. Within five miles, Dedham or Waltham for a single family...
by Wellfleet
Wed Apr 03, 2019 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Making loan payment with Credit Card
Replies: 8
Views: 745

Re: Making loan payment with Credit Card

I called the card issuer and they told me it depends on how the receiving bank classifies the charge. If classified as a cash advance then not worth it. I’ll verify with the receiving bank but my guess would be they certainly don’t want to pay the swipe fee.
by Wellfleet
Wed Apr 03, 2019 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Making loan payment with Credit Card
Replies: 8
Views: 745

Making loan payment with Credit Card

My bank has a new loan payment service where I can source the payment from another account, an outside account or a credit card for a $10 fee. With my 2% cashback Fidelity Credit Card, it would make sense to pay my mortgage with my credit card, pay the $10 fee and automatically pay the credit card o...
by Wellfleet
Tue Mar 26, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: Are independent garages cheaper than dealer?
Replies: 58
Views: 4446

Re: Are independent garages cheaper than dealer?

Why not call 3 places asking for prices?
by Wellfleet
Mon Mar 04, 2019 6:58 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9211

Re: Why do you live where you live?

Economics it seems in my situation. -State U was the cheapest option. -Got into graduate schools that happened to be all over US: SoCal, Pacific Northwest, Midwest, Southeast, New England, and went to the cheapest option, in same state as State U. -Applying to jobs out of grad school, best offers we...
by Wellfleet
Wed Feb 27, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: Can solar be worth it??
Replies: 77
Views: 7522

Re: Can solar be worth it??

We can debate all day but until you sell your home, it's unknown. The federal study cited here have some interesting data and provides a value closer to $15,000 on average: https://news.energysage.com/home-solar-power-increase-property-values-across-us/ Your SREC income over 15 years is excellent bu...
by Wellfleet
Wed Feb 27, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Can solar be worth it??
Replies: 77
Views: 7522

Re: Can solar be worth it??

how can solar cost the same as a new roof, either way you are getting a new roof, then you have to pay the cost of the panels, plus the cost to install the panels, and then the inverter. My example is hypothetical,I believe, not your case. My unfounded hunch is that there is significant inflation i...
by Wellfleet
Wed Feb 27, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Can solar be worth it??
Replies: 77
Views: 7522

Re: Can solar be worth it??

Then you are doing it wrong. PLEASE tell me how this is a bad investment. I paid $40K for solar panels $30K, new Roof 8K, upgraded electric panel $2K, total cost $40K, now I get a 10K federal credit for the panels, so now I have paid $30K, but the value of my house has now increased by $40K, so IMM...
by Wellfleet
Thu Feb 21, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Aging Parents & Finances
Replies: 49
Views: 5939

Re: Aging Parents & Finances

Thank you everyone.
by Wellfleet
Thu Feb 21, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Aging Parents & Finances
Replies: 49
Views: 5939

Re: Aging Parents & Finances

+1000 I'm dealing with this right now with grandparents aged 90 who are using their assets to secure elderly healthcare for themselves. Without their assets, they would be sharing a room with bunk-mates and the room is about the size of a large walk in closet. My grandparents on the other hand can ...
by Wellfleet
Mon Feb 18, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: High earners: thoughts on college and aid
Replies: 91
Views: 7265

Re: High earners: thoughts on college and aid

Had to write a check for our "full pay" student to attend and to subsidize the other students. My observations: Most non full pay students didn't have part time jobs in the summer. Found the that most of the "full-pay" worked in the summer. Also observed that more of the full pay student worked har...
by Wellfleet
Sun Feb 17, 2019 8:15 am
Forum: Personal Consumer Issues
Topic: using uber versus buying a car
Replies: 54
Views: 3745

Re: using uber versus buying a car

My math right now says that I’d save $100 per month taking Lyft or Uber to the train station every day and ditching the car. And I live deep in the suburbs. It’s kind of amazing. I’m worried about driver timeliness however to catch the train so that’s holding me back. I don’t want the driver to pick...
by Wellfleet
Wed Jan 23, 2019 7:44 am
Forum: Personal Consumer Issues
Topic: Constellation offer (electricity and gas) in MA
Replies: 14
Views: 842

Re: Constellation offer (electricity and gas) in MA

I think you have a good plan. I’m using Town Square Energy. They had a one page terms and conditions that was easy to understand. Who knows if switching will be a pain in a year but I’ll switch when summer rates are available.

I think you have a good plan given your current supplier.
by Wellfleet
Tue Jan 22, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: Constellation offer (electricity and gas) in MA
Replies: 14
Views: 842

Re: Constellation offer (electricity and gas) in MA

So here’s the deal. You are getting a good rate versus the Eversource winter fixed rate but the rates reset around April which will likely be lower and you will be locked in paying a winter rate year round. Your best bet is to lock in a rate in the spring or summer that covers next winter. The termi...
by Wellfleet
Mon Jan 21, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6946

Re: Paying thousands per ticket to attend the NFL Super Bowl?

Would you (or have you) paid thousands per ticket to attend the NFL Super Bowl game? Share your thoughts and/or experiences if was worth it. I enjoy sports but I was unwilling to spend $600 for World Series tickets when my team was at home and it was a 15 minute cab ride. So no, I’m not willing to ...
by Wellfleet
Thu Jan 10, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 236
Views: 41545

Re: What to do when a parent's money runs out?

Well my family is beginning this journey with a hospitalized parent. Thank goodness for this website and the previous anecdotes so my immediate family is well prepared and I can find the tips to help my parent. Parent rebuffed previous attempts to discuss but now the issues present themselves. It ap...
by Wellfleet
Mon Dec 03, 2018 1:30 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 906
Views: 114717

Re: Post your Financial Milestone Announcements Here

Made last car loan payment.

Between spouse and I, first time being car loan free since 2012 when we first bought our own cars. Hoping to pay cash for the next one now that we have 2 cars in good condition all paid off.

Now onto the student loans!
by Wellfleet
Fri Nov 16, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 5945

Re: fuel for snowblower

I've experienced condo living and 7000 sqft ot living... I think the small city lot is very manageable. I can't imagine having a property where one needs to spend 45 minutes or more clearing snow or mowing a lawn. Lived with both too. Small city lot often takes just as much time because where I liv...
by Wellfleet
Mon Oct 01, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Getting quotes for geothermal
Replies: 33
Views: 2583

Re: Getting quotes for geothermal

OK fair enough. At least be a good Boglehead and get three quotes. :sharebeer