Search found 444 matches

by Wellfleet
Fri Jun 22, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Two Toyotas - time to update for long trips?
Replies: 25
Views: 1817

Re: Two Toyotas - time to update for long trips?

Plenty of life in the cars but if you want piece of mind, just get a rental car for those trips.
by Wellfleet
Fri Jun 15, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 66
Views: 2553

Re: Job in MA, live in MA, RI, or CT?

We should refocus.....NH wasn't in the question. I don't know of any big employers in towns like Webster or Sutton, so am assuming Worcester or Hopkinton or maybe Framingham. OP....any chance you can say what town you're going to work in? I think there are actually a good number of us who live near...
by Wellfleet
Fri Jun 15, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 66
Views: 2553

Re: Job in MA, live in MA, RI, or CT?

^^^All true but when I hear "I don't want to pay taxes" the NH state of mind comes up even if not entirely true.
by Wellfleet
Fri Jun 15, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 66
Views: 2553

Re: Job in MA, live in MA, RI, or CT?

B4Xt3r wrote:
Fri Jun 15, 2018 12:32 pm

Like I don't wish to pay taxes.
Live in New Hampshire then and commute down 495.
by Wellfleet
Thu Jun 14, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3566

Re: Non-alcoholic drinks for wedding

Consider a mudslide or piñata colata machine or ice cream bar at the least. I don't think I've ever been to a dry wedding.
by Wellfleet
Wed Jun 13, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Is "Tank-Guard" home heating oil warranty worth it?
Replies: 11
Views: 893

Re: Is "Tank-Guard" home heating oil warranty worth it?

Small Law Survivor wrote:
Wed Jun 13, 2018 9:28 am

How would I know when to replace an oil tank?
You really can’t tell. You could do a tank integrity test but probably costly for a residence. Your state environmental agency might have some guidance for homeowners with oil tanks. An outdoor tank is a much higher risk.
by Wellfleet
Wed Jun 13, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Skilled trade career advice
Replies: 18
Views: 1452

Re: Skilled trade career advice

The good is being outside on a beautiful day as an outdoor tradesperson. The bad is doing it when it’s freezing out or raining and you can’t work. I’d probably look into something with some crossover characteristic like security system installation or even doing hvac with new hvac systems and integr...
by Wellfleet
Wed Jun 13, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Skilled trade career advice
Replies: 18
Views: 1452

Re: Skilled trade career advice

Double post deleted
by Wellfleet
Mon Jun 11, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: How to convince my co-worker to invest more?
Replies: 47
Views: 3254

Re: How to convince my co-worker to invest more?

I think the consensus around here is to give them a copy of If You Can, and then never talk about it again.
by Wellfleet
Mon Jun 11, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Is "Tank-Guard" home heating oil warranty worth it?
Replies: 11
Views: 893

Re: Is "Tank-Guard" home heating oil warranty worth it?

Never heard of it. How old is your tank? If 20+ years old consider replacing proactively.

FYI most spills are caused from overfills from the truck, leaking pipe connections, not the tank itself.
by Wellfleet
Thu Jun 07, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Adding my name to deed (parents house)
Replies: 22
Views: 1564

Re: Adding my name to deed (parents house)

Would it make more sense to for the parents to sell the house and you get your own place?

It's not clear to me why you would want to be somewhat responsible for a underwater house?
by Wellfleet
Tue Jun 05, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 30
Views: 1353

Re: Should I replace my water heater?

I'd replace it to eliminate one possible "new house surprise."

See if your utility offers rebates for new/upgraded water heaters. Mine does.
by Wellfleet
Fri Jun 01, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Another Car Keep/Buy Question
Replies: 22
Views: 1936

Re: Another Car Keep/Buy Question

So I made the mistake of buying a 2015 Subaru Outback Loaded w/ crash detection (eyesight). Needless to say this cost me $36k and I financed it. I can make the payments and have no trouble except now I realize I should be investing that money instead of paying down a vehicle. I owe $26k on it still...
by Wellfleet
Thu May 31, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Family Summer Beach / Lake House Destinations
Replies: 16
Views: 1631

Re: Family Summer Beach / Lake House Destinations

I looked up the Berkshires (a mountain vacation region in Massachusetts) on homeaway.com sleeping 12 and found like 10 properties for a week at the end of July.

You also might consider staying at a hotel at a ski resort in Vermont like Stowe or Stratton.
by Wellfleet
Fri May 25, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage for new home
Replies: 28
Views: 1627

Re: Mortgage for new home

I paid $1500 in origination fees for a 30 year fixed in 2017. It's a pain to do but for $10,000 I'd get three quotes myself. You have the brokers quote, now get one from a national bank and another from a local credit union.
by Wellfleet
Fri May 18, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi wall air conditioner
Replies: 34
Views: 2248

Re: Mitsubishi wall air conditioner

Fujitsu has a much nicer lineup of options including ceiling mount units that look like duct heads.

We have 2, neither are the ugly wall mount units.
by Wellfleet
Thu May 17, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 4767

Re: How to think about schools/homes (Greatschools/Niche)

I get the sense that there is an anti-testing movement in some high-performing communities that deemphasize AP participation that then might mess with the algorithms on these websites. Might be wrong but yes, like the US News rankings, they are one tool of many to evaluate schools.
by Wellfleet
Thu May 17, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 8168

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

SmilerUK wrote:
Thu May 17, 2018 1:56 am

In fairness to him, he is extremely well-off financially. I am worth multiples of millions, he is ten times that.

Don't think he has an island tho.
Since you have been successful to date making or managing millions, why take the casual advice of a friend when you know what it takes?
by Wellfleet
Fri May 11, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4699

Re: Anyone buy carbon offsets when flying?

On one hand it sounds like a good idea. But on the other hand, why aren't these included in the ticket price? Is it my responsibility or the airlines responsibility? This opens up the debate of whether vote with your dollar is effective.. There are no U.S. or international regulations requiring air...
by Wellfleet
Wed May 09, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 5775

Re: How to handle problem employee

She pauses and says "I'm sorry, I don't understand". #I'mWithHer Best comment of the thread. I'm just happy I'm not her. ALL of my managers (some exceptional, some ok) have appreciated when I literally say “I don’t understand” and have the opportunity to manage privately improving my productivity a...
by Wellfleet
Sat May 05, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Real estate agents - claim thousands of ready buyers??
Replies: 19
Views: 1677

Re: Real estate agents - claim thousands of ready buyers??

We have the same ad in Boston as well. Santana Hudson...is the ad read by one of the local news radio personalities?
by Wellfleet
Fri May 04, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Buying a Boat
Replies: 47
Views: 4890

Re: Buying a Boat

At least price a new 17 foot Whaler Montauk. I think I saw a base model for $20-25k. That way no worries about the engine that will be $10-15k when it dies.

Family has had all kinds of small boats and we like Japanese engines the most-Yamaha, Tohatsu, Suzuki.
by Wellfleet
Tue May 01, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: When/how did you start teaching your child about personal finance?
Replies: 34
Views: 2619

Re: When/how did you start teaching your child about personal finance?

Richard Scarry Books, particularly "What Do People Do All Day?" is a great resource.
by Wellfleet
Mon Apr 30, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Help me decide if I can afford to buy an apartment for parents
Replies: 46
Views: 2290

Re: Help me decide if I can afford to buy an apartment for parents

I would just move them to a nicer apartment and continue to subsidize the rent. Please read this before doing anything: http://jlcollinsnh.com/2014/02/20/case-study-10-should-josiah-buy-his-parents-a-house/ I agree with this approach as well. Can they afford $1000 a month? I had family rent a very ...
by Wellfleet
Fri Apr 27, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: How stressful is buying a home?
Replies: 56
Views: 3341

Re: How stressful is buying a home?

In my view its a big project and most big projects require many people with varying levels of expertise. It requires dealing with many people who you wouldn't normally deal with like mortgage lenders, lawyers, inspectors, contractors, movers, etc. Add in the emotion of a place to live and it can be ...
by Wellfleet
Fri Apr 27, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Lawyer - how to outsource / offload grunt work for biz dev
Replies: 8
Views: 969

Re: Lawyer - how to outsource / offload grunt work for biz dev

This is what the marketing department *should* be doing. However in my professional service experience, marketing needs a lot of training to understand what a real prospect looks like and how they should be targeted.

Impressive that this person could make partner without having to do this!
by Wellfleet
Thu Apr 19, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Setting up an SFO (single family office) in Switzerland
Replies: 5
Views: 487

Re: Setting up an SFO (single family office) in Switzerland

Wikipedia has a surprisingly detailed summary. https://en.wikipedia.org/wiki/Family_office

Knowing nothing about this I would probably find the nearest big law firm and start with them.
by Wellfleet
Thu Apr 19, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4679

Re: Another discussion about private vs public schools?

Have the baby, see how it goes then figure it out. Our wants and needs changed completely once the baby came.
by Wellfleet
Wed Apr 18, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 12903

Re: How Far is too Far, Commuting?

A long commute is definitely a negative, so there needs to be something making it worth it (pay, hours at work, job). I'm in the car for 2 hours a day, but I get home before 5 everyday, have a ton of vacation days, a low stress job, and the total time commitment (job + commute) is 50 hours per week...
by Wellfleet
Mon Apr 16, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: What are the decisions that go into buying a home?
Replies: 3
Views: 429

Re: What are the decisions that go into buying a home?

It seems to be that the general consensus on Bogleheads is that a house purchase should be for non-financial reasons and that any financial benefits are gravy that may or may not keep up with inflation. You might be able to time the housing market correctly and make a bundle or get a new job and nee...
by Wellfleet
Thu Apr 12, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Could you support family on 1 income?
Replies: 88
Views: 6294

Re: Could you support family on 1 income?

Did it when spouse took year off after babies were born. Tight budgets, only retirement match and no fancy expenditures but make it work.
by Wellfleet
Thu Apr 05, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: What can we learn from secret millionaires.
Replies: 93
Views: 17057

Re: What can we learn from secret millionaires.

I grew up with dozens of "Secret Millionaires". None of them achieved that status by being an employee. All were business folks. All were very very savvy. Some were in the "market", some not. Interesting, I try to model my plans after the secret millionaires that I know. All were employees. Keys: o...
by Wellfleet
Thu Apr 05, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Dealer issues Stop Sale and sues Toyota over Prius safety defect
Replies: 9
Views: 1514

Re: Dealer issues Stop Sale and sues Toyota over Prius safety defect

Is this actionable in any way? It's a news story lacking any verified facts.
by Wellfleet
Mon Apr 02, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Thank you for the Car Tips!
Replies: 4
Views: 929

Thank you for the Car Tips!

Thank you for the car related financial tips. I had to bring the car in for a "warranty enhancement" so I was reviewing maintenance records for a reimbursement and made a few observations: I was paying ~$60 for synthetic (maybe) oil changes, now $20 DIY from threads on Bogleheads (may get tired of i...
by Wellfleet
Wed Mar 28, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 13813

Re: Healthy eaters -- is this grocery budget normal to you?

Definitely not normal. The three of us eat very healthy foods but get them from Trader Joe’s and Aldis. Monthly bill is under 300/month. We probably spend an additional 100 on restaurants and takeout. Same here. Two of us are pescatarian annd one of us is a vegan, so we purchase organic veggies. I ...
by Wellfleet
Wed Mar 28, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 13813

Re: Healthy eaters -- is this grocery budget normal to you?

We average $800 a month in groceries for 2 adults and one not-too-finicky toddler. Plus $200 a month in dining out. HCOL area. We eat like royalty. Generally include meat for one meal (lunch or dinner) 4-5 days per week. We shop at Costco where organic is often default because I wouldn't choose to b...
by Wellfleet
Sun Mar 25, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Next season's ski pass - buy now or wait? (Ski Resorts in New England)
Replies: 10
Views: 880

Re: Next season's ski pass - buy now or wait? (Ski Resorts in New England)

I’ve heard that some local rental shops will do a kids season lease for about $100 and sometimes have deals worked out with NH mountains where the kids get a season pass for “free”.
by Wellfleet
Tue Mar 20, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to respond to internship offer?
Replies: 16
Views: 1427

Re: How to respond to internship offer?

Encourage your son to contact the college's career office. I am sure they can recommend the right language.
by Wellfleet
Mon Feb 26, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting my tenant the first time - need help
Replies: 14
Views: 1474

Re: Meeting my tenant the first time - need help

The tenant should be notified. You need to give notice as described in the lease you issued.
by Wellfleet
Tue Feb 20, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 39
Views: 3067

Re: Repairing Stucco: A Case of Contractor Gouging

So my question posed here is whether you people have ever suspected that the location of your home is a primary determinant of contractor pricing? If so, do you also suspect that there is collusion on some level to fix prices? Would this be actionable, either privately through some class action, or...
by Wellfleet
Mon Feb 12, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 8082

Re: I’m not renewing my Costco membership.

Broken Man 1999 wrote:
Mon Feb 12, 2018 1:40 pm

I have started buying Costco's private label spirits, and am very satisfied with the ones I have bought. Broken Man 1999
I bought a 36-48? pack of Kirkland Light to a guy's weekend and my friends are still talking about it. That might be the only mediocre item at the place :beer
by Wellfleet
Mon Feb 12, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 8082

Re: I’m not renewing my Costco membership.

We took a 2 month break when our membership expired and recently renewed. We tried Walmart for non perishables. Close to a wash pricewise. Milk cheaper at Walmart, bread cheaper at Costco. Organic eggs cheaper at Costco. Chicken cheaper at local supermarket Walmart seemed easier to make opportunity ...
by Wellfleet
Thu Feb 08, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 14669

Re: Financial Hole

Trying to make a budget for someone who can’t even capture all of their expenses is a fruitless task and it is clear JoeSo refuses to act on his situation. This. I have friends and family in same situation with the same outcome. I do hope the OP listens to this excellent advice whereas my friends a...
by Wellfleet
Thu Feb 01, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: shall I buy Toyota prepaid maintenance service for 2018 Camry
Replies: 37
Views: 3464

Re: shall I buy Toyota prepaid maintenance service for 2018 Camry

Just had a 6 year old Toyota pass 100K miles that has cost $350 in non-routine maintenance. That was an AC motor that went at about 70K. We've also had a problem with exterior lightbulbs burning out but those were $10 each and now covered with a service bulletin. We have done oil changes, tires and ...
by Wellfleet
Fri Jan 19, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 8681

Re: Short Commute or Nicer House?

The problem is you can buy close to work, but what happens if you lose that job and the next one is now a long commute. Are you going to move again? Yes, I don't get this either. We lived IN the city (checking all of the walkable/lively boxes although our neighborhood was not friendly-nothing like ...
by Wellfleet
Wed Jan 10, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: Help with what to do with drafty fireplace
Replies: 26
Views: 1533

Re: Help with what to do with drafty fireplace

The first thing you should do is contact your utility for a free or low-cost energy audit. It might cover air sealing and insulation. As for the fireplace, I was shocked when I found out that they are -10 to 10 percent efficient! I’ve blocked mine with foam and sealant. I would go for a fireplace in...
by Wellfleet
Wed Jan 03, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 10612

Re: Effects of extreme cold weather

I think our septic system vents are frozen causing periodic odors. It goes away with bathroom fans running and I was able to clear the snow off one of three with a modified snow rake from the ground because I’m not going on an icy roof. They were working somewhat today (30F) because it smelled outsi...