Search found 550 matches

by Wellfleet
Tue May 19, 2020 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Property on wetlands, affect on value
Replies: 11
Views: 730

Re: Property on wetlands, affect on value

Only buy if you are OK with turning off some segment of future buyers that want a backyard. I would look for a pre-permitted site if this is an issue. I live in the area and there are plenty of non-wetland properties although some towns do seem to have wetlands all over the place. Do also look at FE...
by Wellfleet
Thu May 14, 2020 9:15 pm
Forum: Personal Consumer Issues
Topic: Secrets to a great lawn
Replies: 65
Views: 5180

Re: Secrets to a great lawn

I use my state university’s extension guide for lawns and thelawnforum.com, that someone recommended here. Their cool season lawn guide should be published, it’s simple, cost effective and excellent advice. 1. Do a soil test from the state extension service, apply milorganite or organic equivalent o...
by Wellfleet
Fri Mar 27, 2020 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Job/Exposure Risk - Rock and a Hard Place - Hospital
Replies: 15
Views: 1584

Re: Job/Exposure Risk - Rock and a Hard Place - Hospital

Good luck! I would leave it at this...my line of work sometimes requires climbing tall structures. If I refused to do it based on lack of safety gear, training, etc., my evaluation of the situation, etc. I would expect I would need to make a similar decision.
by Wellfleet
Mon Mar 23, 2020 6:15 am
Forum: Personal Consumer Issues
Topic: Is living near power lines ok or bad?
Replies: 60
Views: 3166

Re: Is living near power lines ok or bad?

Livesoft's authoritative Guide: A list from a previous thread …. http://www.bogleheads.org/forum/viewtopic.php?p=818024#p818024 When we started looking to buy, we went to library and checked out the books. It was pretty straightforward. I would not buy a book unless it was in the $1 rack at the used...
by Wellfleet
Fri Mar 20, 2020 6:46 am
Forum: Personal Consumer Issues
Topic: Pay cleaning lady during coronavirus pause?
Replies: 66
Views: 5105

Re: Pay cleaning lady during coronavirus pause?

We are paying ours as long as we are employed.
by Wellfleet
Fri Mar 20, 2020 5:42 am
Forum: Personal Consumer Issues
Topic: Thinking I should go car shopping amidst the panic
Replies: 99
Views: 9378

Re: Thinking I should go car shopping amidst the panic

I'm shocked, shocked that two weeks ago the dealerships were unable to close the deal unless I came into the dealership and now they are all emailing me that they have magically discovered DocuSign and can complete the transaction and even deliver the new car right to my house! :oops:
by Wellfleet
Sat Feb 29, 2020 8:33 pm
Forum: Personal Consumer Issues
Topic: Boiler cracked - heating alternatives?
Replies: 22
Views: 1082

Re: Boiler cracked - heating alternatives?

I always recommend three quotes. The market is a beautiful thing.
by Wellfleet
Fri Feb 28, 2020 11:13 pm
Forum: Personal Consumer Issues
Topic: Boiler cracked - heating alternatives?
Replies: 22
Views: 1082

Re: Boiler cracked - heating alternatives?

It’s just wacky that we are still using home heating oil in New England but that’s the current political situation. Convert to gas if possible and I might suggest geothermal with all of the state incentives as a second choice. I have minisplits and they are OK. Certainly cost effective but a bit fic...
by Wellfleet
Wed Feb 05, 2020 9:49 pm
Forum: Personal Consumer Issues
Topic: Skiing Frugally
Replies: 45
Views: 4605

Re: Skiing Frugally

In addition to all the good strategies mentioned, there is a forum called "AlpineZone" that has a thread each season for "skiing on the cheap" which will direct you to some lesser known New England deals, like local ski-club cards and retail store specials and Superbowl Sunday deals and so on. It's...
by Wellfleet
Tue Feb 04, 2020 8:38 pm
Forum: Personal Consumer Issues
Topic: Skiing Frugally
Replies: 45
Views: 4605

Re: Skiing Frugally

Awesome suggestions, thank you everyone!
by Wellfleet
Mon Feb 03, 2020 3:05 pm
Forum: Personal Consumer Issues
Topic: Skiing Frugally
Replies: 45
Views: 4605

Skiing Frugally

I tried to drop skiing before kids and when they were small but turns out that we need something to do in the winter here in New England. What other frugal tips am I missing to keep costs low-ish? 1. Lease the kids skis annually for $100 each. 2. I bought new skis this year but my old ones were 15 y...
by Wellfleet
Sat Feb 01, 2020 9:51 pm
Forum: Personal Consumer Issues
Topic: Examples of Low Tech Improving Your Life
Replies: 207
Views: 17486

Re: Examples of Low Tech Improving Your Life

I cannot get over how fresh clothes smell after line drying on the clothesline I installed last summer. I’ve been using it all winter on sunny days in New England.
by Wellfleet
Wed Jan 29, 2020 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter's Boston Job Offer
Replies: 115
Views: 9613

Re: Daughter's Boston Job Offer

I live in the Boston area and this salary should be fine to enjoy most of what Boston offers. As a new grad though, they might try to get a job in Cambridge- Kendall Square because that is the heart of the engineering industry right now. Waltham will require a car and is a decent 30-60 minute commut...
by Wellfleet
Fri Jan 17, 2020 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 43493

Re: Engineers - What are you making?

-Civil Engineer (Water Resources), PE, MS Environmental & Water Resources Engineering, Baltimore (MCOL?) -8 yrs design exp. with this company plus 2 yrs prior in the field doing construction management -88K, no 401K match or HSA contribution but we get roughly 5% salary in company stock every year ...
by Wellfleet
Mon Jan 06, 2020 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Millennial Looking for Creative Alternatives for Loan/Mortgage
Replies: 77
Views: 5364

Re: Millennial Looking for Creative Alternatives for Loan/Mortgage

Definitely a credit union associated with a group you may have an affinity for. Because I live in Massachusetts, I would suggest some place like this: https://www.cityofbostoncu.com/ or look at this one in Vermont, certainly doesn't look like a big bad bank to me! http://www.members1cu.com/
by Wellfleet
Wed Jan 01, 2020 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Parents vs. Kids Paying for College
Replies: 171
Views: 6866

Re: Parents vs. Kids Paying for College

With what I pay for childcare now, I expect to cash flow state school tuition. I can’t afford to fund a 529 at this point. My spouses’ family paid for state school and they could attend a private by taking the difference in loans. I liked
that approach.
by Wellfleet
Fri Nov 15, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Garage Generator Install
Replies: 44
Views: 3239

Re: Garage Generator Install

The only safe and legal way to do this would be to hire a MEP mechanical/plumbing/electrical engineer to design the project in compliance with local code.

These are built every day in commercial buildings, however always specifically designed!!!

Do not attempt current project!!
by Wellfleet
Mon Nov 04, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Conservation Partnership to save taxes
Replies: 14
Views: 858

Re: Conservation Partnership to save taxes

Contact your local conservation group that may facilitate this type of project. They may even be able to provide legal advice.
by Wellfleet
Mon Nov 04, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Paying a contractor in cash
Replies: 48
Views: 1854

Re: Paying a contractor in cash

I've hired companies ranging from a one person operation to regional companies. Some have offered a cash discount, assume that means payment by check. None have ever requested U.S. Currency as payment.
by Wellfleet
Tue Oct 22, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: How many estimates do you get when you need work done on your house?
Replies: 43
Views: 2970

Re: How many estimates do you get when you need work done on your house?

I always get three bids. Couldn't hurt to get a couple more.
by Wellfleet
Wed Sep 25, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Simple emergency prep tip(s)
Replies: 32
Views: 2172

Re: Simple emergency prep tip(s)

psteinx wrote:
Wed Sep 25, 2019 2:19 pm
And, fwiw, I'm far less of a cell phone guy than most. That said, cell phones have a lot of possible points of failure.
What type of phone do you plan to use? Pay phones aren't exactly common in my area.
by Wellfleet
Wed Sep 25, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Simple emergency prep tip(s)
Replies: 32
Views: 2172

Re: Simple emergency prep tip(s)

If I had cell phone service, I could google any of these phone numbers.

For the refugee scenario, I wonder what the best prepared refugees bring to survive?
by Wellfleet
Tue Aug 27, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase a $30k car?
Replies: 112
Views: 8207

Re: Can I afford a $30k car purchase?

End the lease and buy a 2009 Toyota Corolla.

Just kidding...you are doing great. Buy the car if you like it.
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: 7672

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: 7672

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: 902

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: 2450

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: 11936

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: 11936

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: 4035

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: 4169

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: 1146

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: 1146

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: 10636

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: 13435

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: 13435

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: 12526

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: 6319

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: 10141

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: 2603

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: 42173

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: 16208

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: 4284

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: 27
Views: 2684

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: 2363

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: 2603

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: 13143

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: 5799

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: 5799

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.