Search found 571 matches

by Wellfleet
Wed Apr 21, 2021 9:08 pm
Forum: Personal Consumer Issues
Topic: Ski Resort Recommendations for the first-timers? (emphasis on resort)
Replies: 80
Views: 4727

Re: Ski Resort Recommendations for the first-timers? (emphasis on resort)

Jay Peak, VT. Indoor water park for when you don’t feel like skiing. Also, the most western-like terrain in the east. To the point where I was underwhelmed when I made it to Colorado. Plenty of Montrealers choose it over Tremblant and a half dozen other mountains on the way. Jay Peak, while a great...
by Wellfleet
Wed Apr 21, 2021 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Buyer's Market In City: To Wait or Not to Wait to Sell
Replies: 26
Views: 1491

Re: Buyer's Market In City: To Wait or Not to Wait to Sell

I think this is a "sleep well at night" decision for you. I think we see a snapback to the city for young people at least, but who knows. I'm looking forward to enjoying some urban amenities and go to the office once a week. Raising a baby/toddler in the city is great until you need to mak...
by Wellfleet
Mon Apr 12, 2021 3:14 pm
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 5958

Re: Best 4 wheel drive vehicle

What vehicles should we consider? Thanks in advance! If you envision visiting one beach only to off-road I would review the specific requirements for that beach. Some require actual 4x4 some don't care as long as you have other required equipment like a full size spare. We purchased a 4WD 4Runner l...
by Wellfleet
Wed Apr 07, 2021 12:31 pm
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 282
Views: 21158

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

I appreciate these anecdotes but I like Klangfool's advice more and more that I recall to save 1/3, spend 1/3, and assume 1/3 on taxes. At the end of the year why does it matter if I save $10,000 on cars to spend the $10,000 on golf and dinners? Take two retired people- one who likes driving luxury ...
by Wellfleet
Wed Mar 31, 2021 11:30 am
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 298
Views: 37044

Re: Are we in a housing bubble?

Just submitted an offer here in central MA. House ~$500k, last updated in mid-80's. In good shape but needs ~$80k worth of renovations to come into the 21st century. 50+ groups at open house, and agent had another 30 private showings this weekend. We initially liked this one because we thought it w...
by Wellfleet
Tue Mar 16, 2021 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this house?
Replies: 78
Views: 4268

Re: Can we afford this house?

All were sold in the last 6 months in an irrational and expensive market. All are affordable to you (once you save 20%). All are good school districts and good communities. No, they are not Newton or Lexington or Westwood. Yes, you are priced out of those communities (for now). It’s not the end of ...
by Wellfleet
Sat Feb 20, 2021 6:17 pm
Forum: Personal Consumer Issues
Topic: Retiring to Vermont/New Hampshire area
Replies: 91
Views: 7109

Re: Retiring to Vermont/New Hampshire area

New Englander here. Others can recommend Vermont and New Hampshire towns but I'll plug a couple areas in Massachusetts for your consideration. I hear tax burden for retirees ok and property tax burden, while high is not insane. Consider the Pioneer and Nashoba Valley areas in Massachusetts. Pioneer ...
by Wellfleet
Sat Jan 30, 2021 9:43 pm
Forum: Personal Consumer Issues
Topic: Electric Vehicle Tipping Point
Replies: 94
Views: 4526

Re: Electric Vehicle Tipping Point

I think the second family car/commuter car could flip pretty soon as there’s less range concern with a routine commute. But I think the main family SUV, minivan, truck is going to be awhile. I want an ev to be my next car and would be fine for the regular commute but I do have range anxiety about ho...
by Wellfleet
Tue Jan 19, 2021 3:36 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 218
Views: 32053

Re: Tributes to Jack Bogle

In the last day or two, I heard from two different family members, one who lost a significant inheritance due to single stock holding in a now bankrupt company (think Enron) and another who pulled everything last March and is still holding out.

Thanks to Mr. Bogle for teaching me the other path.
by Wellfleet
Thu Jan 14, 2021 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent care FSA
Replies: 10
Views: 573

Re: Dependent care FSA

1. I assume that we will need to claim the $1000 to be reimbursed before she quits the job? The childcare expense before she quits will be more than that. I think this is correct, I would aim to have a deposit in your account before notice is given. 2. If her total wage is > $5000 when she quits, c...
by Wellfleet
Wed Jan 13, 2021 7:56 am
Forum: Personal Consumer Issues
Topic: What is so special about the Toyota Tacoma?
Replies: 97
Views: 10605

Re: What is so special about the Toyota Tacoma?

Versus a Sierra 1500 or a Silverado? Is there a reason they are prices as high as they are? What staples do they have over a domestic truck? Tacoma TRD Pro in particular. More specific to the 4Runner TRD Pro, but it has a upgraded suspension and other mechanical improvements that improve its off ro...
by Wellfleet
Sat Jan 09, 2021 5:15 pm
Forum: Personal Investments
Topic: How can I teach my 5 year old daughter about investing?
Replies: 109
Views: 5102

Re: How can I teach my 5 year old daughter about investing?

We didn’t discuss investing but we did introduce the concept of pay for work, like snow shoveling the front steps for $1.00. We’ve discussed that the bank will pay you to keep your money there but haven’t opened an account yet. We get a newspaper delivered and talk about the numbers in it and that t...
by Wellfleet
Fri Jan 08, 2021 11:38 am
Forum: Personal Consumer Issues
Topic: House Maintenance Resources
Replies: 5
Views: 424

Re: House Maintenance Resources

We don't know how long you have been in your house but you might consider having a home inspection performed by a licensed professional. That would give you an independent evaluation of the systems without sales pressure from trades people. I'm a This Old House fan and they have a long-running TV sh...
by Wellfleet
Sun Dec 20, 2020 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford (unusual situation)?
Replies: 17
Views: 2136

Re: How much house can we afford (unusual situation)?

$750,000 that is ~3x known income.
by Wellfleet
Thu Nov 12, 2020 4:23 pm
Forum: Personal Consumer Issues
Topic: Commuting by bike
Replies: 75
Views: 3378

Re: Commuting by bike

As a "former" and maybe future bike commuter (pre-pandemic) here are my tips. -If you are commuting year-round in Boston/NYC versus LA or Miami, there will be different monthly needs because it gets cold and snowy in the northern half of the U.S. Winter does a job on bikes in the north. -Y...
by Wellfleet
Fri Oct 30, 2020 7:30 pm
Forum: Personal Consumer Issues
Topic: removed
Replies: 136
Views: 8506

Re: Heat - What do you set your temps to in Winter?

New England.

First floor 67 during day, 62 at night. Oil boiler

Second floor 62-64 24/7 with ductless minisplit.
by Wellfleet
Tue Oct 27, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: Hassle free luxury car
Replies: 155
Views: 11635

Re: Hassle free luxury car

Hi, I am thinking of getting a luxury coupe/sedan. My plan is to keep it only for 2-3 years and have no intention to do any self maintenance. Occasionally our preschooler will also travel in it. Budget is max 100K. I am leaning towards leasing in stead or buying and reselling. Any recommendations? ...
by Wellfleet
Wed Oct 21, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: Ideal City to live in?
Replies: 160
Views: 11810

Re: Ideal City to live in?

Completely agree with you about Temecula. In fact I had a former coworker who had one of those 90+ minute commutes. Drove 130 miles round trip everyday into San Diego and back. Total nightmare. But, hey, he saved like 200-300K on the purchase of his house, so worth it, right? (nah, nah, not worth i...
by Wellfleet
Tue Oct 20, 2020 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Public Housing Assistance: Where to Start
Replies: 17
Views: 1506

Re: Public Housing Assistance: Where to Start

Trying to help an elderly parent, I'm becoming educated on the subject, FWIW I've been amazed how many services are coordinated through their primary care physician. So, the person facing challenging should be seeking medical assistance for their condition(s) and their PCP may be able to refer them ...
by Wellfleet
Thu Jun 04, 2020 5:40 am
Forum: Personal Finance (Not Investing)
Topic: GM Educator Discount
Replies: 1
Views: 241

GM Educator Discount

My brother is eligible for the GM Educator discount. Does anyone have experience with it? Is it like a coupon where they negotiate a Boglehead approved price and pull out a "coupon" to stack on at the end? :happy We are wondering if it's worth the time over emailing a few dealers? Thanks!
by Wellfleet
Tue May 19, 2020 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Property on wetlands, affect on value
Replies: 11
Views: 785

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: 5638

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: 1695

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: 3309

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: 73
Views: 6106

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: 106
Views: 11139

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: 1221

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: 1221

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: 4812

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 d...
by Wellfleet
Tue Feb 04, 2020 8:38 pm
Forum: Personal Consumer Issues
Topic: Skiing Frugally
Replies: 45
Views: 4812

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: 4812

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: 216
Views: 19523

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: 9851

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: 45386

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 y...
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: 5543

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: 7170

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: 3420

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: 964

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: 2194

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: 3094

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: 2261

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: 2261

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: 8438

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: 8050

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: 8050

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: 938

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: 2553

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: 94
Views: 16120

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: 94
Views: 16120

Re: Way out of financial catastrophe?

Demo the whole thing and rebuild?