Search found 478 matches

by Wellfleet
Mon Oct 01, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Getting quotes for geothermal
Replies: 33
Views: 2327

Re: Getting quotes for geothermal

OK fair enough. At least be a good Boglehead and get three quotes. :sharebeer
by Wellfleet
Mon Oct 01, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Getting quotes for geothermal
Replies: 33
Views: 2327

Re: Getting quotes for geothermal

Respectfully, I think you are getting taken for a ride. At that kind of cost I would recommend a net zero type engineer/architect and start from scratch. More of a general commentary, but if this company is specifying $135,000 systems for a 7,000 square foot house there is no future in the market. Y...
by Wellfleet
Tue Sep 25, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5945

Re: Oil change interval for low-mileage vehicles

The 5000-7500 mile or 6 month oil change hasn't been relevant since the 2000's when most manufacturers recommend synthetic oil instead of conventional oil. Most manufacturers today recommend 7500-10000 miles or 1 year when running on synthetic oil which is what our Escape uses. Some vehicles like B...
by Wellfleet
Tue Aug 28, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: find Hvac contractor
Replies: 14
Views: 1168

Re: find Hvac contractor

I recommend visiting Greenbuildingadvisor.com that seems to be the best "minisplit" website out there and they will answer these questions better than I can. Fujitsu and Mitsubishi seem to be the top brands for cold climate minisplits but there are many other manufacturers like LG, Samsung and Panas...
by Wellfleet
Tue Aug 28, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Cars... just another tool unless your a tool.
Replies: 28
Views: 2646

Re: Cars... just another tool unless your a tool.

+1 All of life is about signalling. Drive a BMW? You're sending out a signal. Drive a 10-year old Prius? You're sending out a signal. Don't own a car and tell everyone about it? You're sending out a signal - and that signal is obnoxious IMO. Agreed, not having a car is somewhat of a signal of bizar...
by Wellfleet
Mon Aug 27, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 5581

Re: Planning for an Indian wedding In NY/ NH area.

2) Can someone actually give some guidance about having an Indian wedding, with a reasonable price range with 400 guests. I was thinking getting some farm/barn in NH where the family can travel close to NY, would bring down the cost quite a bit, rather than having a wedding in NY. I am not aware of...
by Wellfleet
Fri Aug 24, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: find Hvac contractor
Replies: 14
Views: 1168

Re: find Hvac contractor

First, take advantage of all utility related free weatherization rebates if you haven't already to reduce the heating and cooling requirements as much as possible. Then consider 1 or 2 ductless minisplit heat pump units. 2 units completely heat and cool my 2000 square foot colonial in New England wh...
by Wellfleet
Fri Aug 17, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Financially Wise to Help Adult Child Buy Larger House
Replies: 18
Views: 2175

Re: Financially Wise to Help Adult Child Buy Larger House

I’m not an expert in the subject but what happens if your husband or you need money for nursing home type care and have spent it on the kids house?
by Wellfleet
Thu Aug 16, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13701

Re: Teachers Who Have Net Worth of $1 million +

As a retired teacher, I'm interested in hearing from my fellow Life-Giving Educators who were able to devote their lives to teaching, invest over time, may have started side businesses, and have amassed over $1 million net. How did you do it? Perhaps share your net worth as a testament to other you...
by Wellfleet
Sun Aug 12, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 27
Views: 2217

Re: Tipping lawn service and trash pickup

I have family in trades and they tell me stories of appreciation of a coffee in the morning or cold water on a hot day once in awhile from their customers. A gift card to McDonald’s or Dunkin’ Donuts for the trash hauler would be nice once in awhile.
by Wellfleet
Fri Aug 03, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 55
Views: 4940

Re: Is solar power for your home a worthwhile investment?

For my home, No. We are shaded by trees making solar pretty much useless and our cost of electricity is not that high. I have considered investing in the community solar project that is just starting in the area, but haven't run the numbers. I started looking into NRG community solar but it seemed ...
by Wellfleet
Tue Jul 31, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: $4,400 Chimney Repair - Does This Make Sense?
Replies: 24
Views: 1887

Re: $4,400 Chimney Repair - Does This Make Sense?

Small Law Survivor wrote:
Mon Jul 30, 2018 3:16 pm

Thanks in advance for any thoughts or observations.
Always get three quotes, price differences can be absolutely shocking.
by Wellfleet
Tue Jul 31, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: $8712/year for insurance (auto, home, rental) How to reduce?
Replies: 40
Views: 3083

Re: $8712/year for insurance (auto, home, rental) How to reduce?

Have you sought three quotes for coverage? Maybe USAA has higher risk in Texas and charges more. When first starting out, spouse and I had the inlaws brand insurance in the same metro. Once I shopped it I realized we were paying a crazy premium over them. Switched to Metlife then Geico and saved a t...
by Wellfleet
Sat Jul 28, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 6169

Re: Talk to me about Le Creuset

We have a big Dutch oven, skillet and tea kettle. The oven and skillet will certainly outlast us. All used daily. The teapot rusted and is not quality IMHO. I love my allclad pots too, they look brand new except for scratches. I worked in kitchens growing up and it’s fun to recall what they use, cer...
by Wellfleet
Fri Jul 27, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Decision for Stay at Home Wife?
Replies: 84
Views: 3644

Re: Decision for Stay at Home Wife?

And why do you think they encourage it, exactly? Clue: it's not because they have a vision of 1950s where wives are oppressed. The rearing of children is best done by flesh and blood. Why would you have any reason to disagree with that statement? Read about one of many stories of day care workers s...
by Wellfleet
Fri Jul 27, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Decision for Stay at Home Wife?
Replies: 84
Views: 3644

Re: Decision for Stay at Home Wife?

Thank you all for the contribution! I think the best approach is going to see how things go when the baby is here and how she feels when she goes through the maternity leave. I just like knowing that we can do either or so she knows she is supported whichever she decides. [/quote] Good plan. SO was...
by Wellfleet
Sun Jul 22, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 5383

Re: High voltage powelines near house

Given the choice between a house with powerlines nearby and one without I would choose the one without.

The one with power lines is a known utility corridor and could be used to route future utilities like pipelines or other things that I’d prefer to not live next too.
by Wellfleet
Fri Jul 20, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: Boston trip with small kids
Replies: 19
Views: 1705

Re: Boston trip with small kids

Take the train to Boston from Middleboro and walk to the Aquarium or Children’s Museum. Get lunch at the Boston Public Market, kind of like a indoor farmers market. That’s a big day for the kids.

Edit- the Museum of Science is excellent for kids, plenty of space to spread out on a rainy day.
by Wellfleet
Tue Jul 17, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: HSA (or PPO) and a baby
Replies: 18
Views: 1493

Re: HSA (or PPO) and a baby

Are there any scenarios where an HSA doesn't make sense? Every thread I see looks like a no-brainer. I plan to make the switch next year. The NY Times had a really good article about comparing plans last fall.
by Wellfleet
Tue Jul 17, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Buy a vacation home while renting
Replies: 61
Views: 4060

Re: Buy a vacation home while renting

I think as an investment there is a chance it could appreciate sufficiently to make it worthwhile, especially since I think land itself is a good investment and want to get at least 20 acres or so. But it definitely lowers our diversification and puts a lot of our eggs in one real estate basket, so...
by Wellfleet
Fri Jul 13, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 10298

Re: When does frugal cross the line to cheapskate?

I heard this somewhere recently: "If you go to a restaurant and don't leave a tip, that's cheap. If you skip the restaurant and make a meal at home, that's frugal." Edit: So what is the community's take on famous early-retirement bloggers, like Mr Money Mustache? Frugal or cheap? Mr. Money Mustache...
by Wellfleet
Tue Jul 10, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 6221

Re: Going solar?

I'd like to put on solar panels but don't have the cash to fund and would need a loan at 4%. My rough math looks like I'd save about $1,000 per year and cut my electricity bill in half, saving $80 per month. But need to finish paying off all non-mortgage debts and weatherizing first- better doors, a...
by Wellfleet
Sat Jul 07, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Experience with Generac or Champion generators
Replies: 9
Views: 624

Re: Experience with Generac or Champion generators

I have a champion 9000 watt duel fuel gas and propane. We’ve only had about 8 hours of outage since purchase. I really like that it uses propane. I have 4 tanks to use for the grill or generator. Also consider if others will need to set it up and if Wright could become a concern. The cheaper units a...
by Wellfleet
Fri Jul 06, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Boat Towing
Replies: 14
Views: 1301

Re: Boat Towing

Family was able to get full towing coverage for $50 through their boat insurance policy. Thanks for the suggestions, it saved me $150!
by Wellfleet
Thu Jul 05, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Multi-unit garbage woes..
Replies: 20
Views: 1670

Re: Multi-unit garbage woes..

Does this create any sort of sanitary or financial issue for you? If not, I'd stop worrying about it.
by Wellfleet
Thu Jul 05, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Boat Towing
Replies: 14
Views: 1301

Re: Boat Towing

Thanks everyone. Will ask about insurance coverage of towing. Otherwise I will buy a towing membership as a present.
by Wellfleet
Thu Jul 05, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Pay off my car or trade in on new?
Replies: 36
Views: 1934

Re: Pay off my car or trade in on new?

My vote is option 2. Sounds like you have enough to deal with right now so keep paying it off and then address it if it becomes an issue.
by Wellfleet
Thu Jul 05, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Boat Towing
Replies: 14
Views: 1301

Boat Towing

After engine trouble on a family's boat last weekend for about an hour, I'm wondering if a towing policy might be good insurance $150 for saltwater with Towboat US. We weren't in trouble, just inconvenienced. Family is used to calling up buddies for tows and hoping they are on the water but with lit...
by Wellfleet
Sun Jul 01, 2018 6:01 am
Forum: Personal Finance (Not Investing)
Topic: How to document a verbal conversation for future legal reasons.
Replies: 21
Views: 3088

Re: How to document a verbal conversation for future legal reasons.

This is done all the time in civil engineering - they are called meeting minutes inviting the project team to correct anything. If it’s a potentially adversial situation and you can’t email the other party I’d think emailing your lawyer the summary or formalizing the details of the dialogue in a wor...
by Wellfleet
Fri Jun 29, 2018 2:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 511
Views: 56016

Re: Pulled the trigger and paid off the house today

This conversation is getting off topic, but when does this cross the line into being deceitful? People's money is none of my business. But I do think if a friend or relative of mine spent a lifetime crafting an image of scraping pennies to get by, when in fact they were very wealthy, I would feel l...
by Wellfleet
Thu Jun 28, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: House seller fudging disclosure re: buried oil tank?
Replies: 36
Views: 4354

Re: House seller fudging disclosure re: buried oil tank?

If, in fact, you don’t possess conclusive proof, then you should drop the matter. Perhaps there exists a duty to act if you have conclusive proof (but I’m not sure about that), but I don’t think you have a duty to act if you don’t know whether the tank is there. Andy. I think OP dropped the matter....
by Wellfleet
Tue Jun 26, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Planning for children
Replies: 18
Views: 1683

Re: Planning for children

Rupert wrote:
Tue Jun 26, 2018 1:01 pm
I would rank wills/estate planning and disability insurance above life insurance and rank all three of those things before 529 plans.
I'm curious why you would rank wills/estate planning above life insurance?
by Wellfleet
Mon Jun 25, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: House seller fudging disclosure re: buried oil tank?
Replies: 36
Views: 4354

Re: House seller fudging disclosure re: buried oil tank?

In my state, code allows leaving a oil tank the ground if removal could impact the houses structural integrity. It has to be cleaned and filled and a couple soil samples taken. Now if that happened in 2000 and I bought the house in 2011 and it wasn’t disclosed to me, I would have no reason to disclo...
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: 2262

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: 67
Views: 3282

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: 67
Views: 3282

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: 67
Views: 3282

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: 4151

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: 1062

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: 1671

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: 1671

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: 3665

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: 1062

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: 1743

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: 50
Views: 3333

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: 2092

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: 1770

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.