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Re: Good Expensive Dental Plans

Not a recommendation but maybe helpful information. We have a Cobra plan from my wifes work and it costs us about $85.00/month. I think it is with Aetna and it pays full for routine cleaning, exams, etc. It has an annual maximum for major stuff like implants. I am having one done now and had one don...
by Hexdump
Thu Mar 05, 2015 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Good Expensive Dental Plans
Replies: 12
Views: 942

Re: What percentage of your total net worth is your home?

Z9yajAg wrote:So many people in these forums say that their goal is to pay off the mortgage and live debt-free. I'd rather keep the mortgage and have the money to pay it off saved in the bank or invested.


+1

Hear, hear
by Hexdump
Thu Mar 05, 2015 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: What percentage of your total net worth is your home?
Replies: 58
Views: 3224

Re: How much did you have saved up for retirement at age 30?

00000, nil. nada.

I didn't start saving for retirement until I was 40. I made up for lost time though. :D
by Hexdump
Tue Mar 03, 2015 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 172
Views: 12289

Re: Honda fit vs VW GTI

I too was considering those vehicles as well as a Mazda 3. They make a hatchback which I insist on. It gets better mileage than the GTI and is a lot more fun and better appointed than the FIT. I test drove the FIT and it felt cheap.

Give the Mazda 3 a try.
by Hexdump
Mon Mar 02, 2015 8:31 am
 
Forum: Personal Consumer Issues
Topic: Honda fit vs VW GTI
Replies: 44
Views: 2847

Re: Is a generator worth it?

During Sandy, I borrowed a generator from a friend two hours away. Good thing I drove to get it, because I could also buy gas there. Around here, most of the gas stations were out or did not have power to pump gas, and the rest had long lines. Even a small generator went through a lot of gas during...
by Hexdump
Sat Feb 28, 2015 10:08 am
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 105
Views: 5303

Re: Is there a way to provide for inflation ?

My understanding is that TIPS and Ibonds are used for capital preservation and inflation protection, while annuities are insurance against excess longevity. With limited funds, you're going to have to compromise and optimize one or the other. You're going to have to use some assumption about surviv...
by Hexdump
Sat Feb 28, 2015 8:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Is there a way to provide for inflation ?
Replies: 22
Views: 1686

Re: Is there a way to provide for inflation ?

Have you also considered buying I-Bonds since they are tied to inflation? You could each do $10k/year (double that with 2 very simple trusts) for a few years to build up to whatever you choose, then withdraw each year. Nothing exact here, but it is inflation adjusted every 6 months. Thank you for a...
by Hexdump
Thu Feb 26, 2015 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Is there a way to provide for inflation ?
Replies: 22
Views: 1686

Re: Is there a way to provide for inflation ?

These are interesting ideas. When we were shopping for an SPIA last year, the difference between an inflation indexed and a non-inflation-indexed annuity were significant. I don't remember the exact numbers but we bought the non-indexed. There were other % increase options that we took a hard look a...
by Hexdump
Thu Feb 26, 2015 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Is there a way to provide for inflation ?
Replies: 22
Views: 1686

Re: Is there a way to provide for inflation ?

One suggestion is to have a ladder of small deferred annuities, one to kick in every couple/three/etc., years. Those are much less expensive than SPIA's, due to mortality credits, especially the further out they go. Then every few years, you'd get your own "inflation adjustment" that woul...
by Hexdump
Wed Feb 25, 2015 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Is there a way to provide for inflation ?
Replies: 22
Views: 1686

Re: Is there a way to provide for inflation ?

If I understand your proposal, since it is a fixed $540 amount, it wouldn't be compounded. So if inflation is 3% every year, that would only be an inflation compensation for 1 year, and would begin to lag behind going forward. Yes, I see what you mean about the compounding and it seems that maybe t...
by Hexdump
Wed Feb 25, 2015 8:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Is there a way to provide for inflation ?
Replies: 22
Views: 1686

Is there a way to provide for inflation ?

This is probably a dumb idea/question but here goes anyway. I am 75 DW is 58. We have a Joint Life annuity which provides about $1,500/month but it does not allow for inflation. Would it be possible to fund another annuity to provide for the missing inflation component ? My no doubt, screwed up math...
by Hexdump
Tue Feb 24, 2015 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Is there a way to provide for inflation ?
Replies: 22
Views: 1686

Re: Thoughts on replacing tires?

I am about to replace 4 tires on the wifes car and was wondering that, if I decided to change the 4 from Michelin to Pirelli, what do I do about the spare which is a Michelin.

I am checking prices on Tirerack and like what I have been reading about Pirelli.

Thanks
by Hexdump
Mon Feb 23, 2015 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 3442

Re: On line product reviews vs Consumers Reports

Ged wrote:I look at both. Additional information is not a bad thing.


I am a recent subscriber to the magazine and was surprised and disappointed to find out that I do not have an automatic subscription to the online version.
It will cost more, of course.
by Hexdump
Mon Feb 23, 2015 10:28 am
 
Forum: Personal Consumer Issues
Topic: On line product reviews vs Consumers Reports
Replies: 37
Views: 2607

Re: Large Age Gap with Spouse/Partner

Is his reluctance to have children really a financial issue, or is it about other things? I don't want to scare you unnecessarily, but my husband and I went to a wonderful pre-marriage counselor who told us that there are only 4 real deal breakers in a relationship: 1) abuse 2) refusing to admit or...
by Hexdump
Tue Feb 17, 2015 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5167

Hospice vs Long Term Care

I am asking for my cousin who was recently diagnosed with stage 4 terminal cancer, 6 months to live. Quite a strong lady and she is perfectly fine with it. She qualifies for hospice care according to hers and my readings of Medicare however she has paid in about $45,000 into a LTC policy. Does she h...
by Hexdump
Tue Feb 17, 2015 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Hospice vs Long Term Care
Replies: 13
Views: 1028

Re: Preparing for 2 months incommunicado

I admire you Victoria and am jealous.
Is it possible/permitted to bicycle this instead of walking it ?

Have fun
by Hexdump
Tue Feb 17, 2015 9:46 am
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6353

Re: What Movie Have You Recently Watched?

I also watched the new Harry Bosch TV series on Amazon Prime - Enjoyed it Very Much Dave ++2 I loved it and am resisting watching all the episodes straight through. The lead, Titus Welliver, does a heck of a job and his facial expressions tell a story all on their own. Highly recommended and I hope...
by Hexdump
Tue Feb 17, 2015 9:27 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70874

Re: What Movie Have You Recently Watched?

Tony_L wrote:Saw "The Imitation Game" today. Very, very interesting. I highly recommend it for all ages beyond 10 or 12.


+1 and ditto

Very much enjoyed it.
by Hexdump
Tue Feb 17, 2015 9:23 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70874

Re: I need a recommendation for a pressure washer.

Please let us know how the pressure washer and the scrubber worked out. I think the scrubber needs an adapter for attachment to the washer wand, did it come with that? The pressure washer works just fine, perfectly adequate for our needs. 1 complaint that there is not that I can see, a way to lock ...
by Hexdump
Sun Feb 15, 2015 5:45 pm
 
Forum: Personal Consumer Issues
Topic: I need a recommendation for a pressure washer.
Replies: 26
Views: 1383

Re: Pick Out My New TV For Me

I have a smart TV. I would not pay extra for the 'smart' features, I do not think it is worth it. I actually connect my 'smart' tv to my laptop when I want to watch something. Also, I would wait and get a 4K TV. I would humbly disagree with this. The smart tv is worth it and I would stay away from ...
by Hexdump
Sun Feb 15, 2015 9:44 am
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2110

Re: I need a recommendation for a pressure washer.

Further info. The Mrs was adamant in that it had to be electric. For some odd reason she really likes using it and when I told her about what needed to be done if it were gas, ie gas, plugs, more maintenance, she put her foot down. I tend to agree with her. I had gone the rental route last year and ...
by Hexdump
Sun Feb 15, 2015 9:30 am
 
Forum: Personal Consumer Issues
Topic: I need a recommendation for a pressure washer.
Replies: 26
Views: 1383

Re: I need a recommendation for a pressure washer.

As others have noted Gas power is really nice and fast. I don't recall the model I have but I do know it has a Honda motor on it. It came from Home Depot about 8+ years ago and its around 3,500psi. It works great and to be honest I would not want to go any smaller. I'm amazed how much we really use...
by Hexdump
Sun Feb 15, 2015 9:13 am
 
Forum: Personal Consumer Issues
Topic: I need a recommendation for a pressure washer.
Replies: 26
Views: 1383

Re: I need a recommendation for a pressure washer.

Yep. Less than 2000 psi won't cut it for cleaning concrete and stone unless you get the nozzle right up close and go very slowly. I'm in the market too. What would you recommend for psi rating to clean concrete effectively without spending all day? I also want to use it to clean deck, house and car...
by Hexdump
Fri Feb 13, 2015 6:25 am
 
Forum: Personal Consumer Issues
Topic: I need a recommendation for a pressure washer.
Replies: 26
Views: 1383

Re: I need a recommendation for a pressure washer.

We really do want an electric. We just finished borrowing a neighbors 1500PSI electric and though it took quite some time, we have lots of time available, so that is not an issue. His, and I forget the brand, leaked a lot and was a struggle to move around but got the job done. That's cool to know ab...
by Hexdump
Thu Feb 12, 2015 8:21 am
 
Forum: Personal Consumer Issues
Topic: I need a recommendation for a pressure washer.
Replies: 26
Views: 1383

I need a recommendation for a pressure washer.

Electric, 1600-2000 PSI, <$200.00 I will use it primarily to clean the concrete driveway, patio, etc. The reviews I have been reading say the AR383 from Amazon is a good device however there were 2 readings that I noted that would bother me. http://www.amazon.com/AR-AR383-Electric-Pressure-Washer/dp...
by Hexdump
Wed Feb 11, 2015 8:09 am
 
Forum: Personal Consumer Issues
Topic: I need a recommendation for a pressure washer.
Replies: 26
Views: 1383

Re: Worth Upgrading to LED Lighting?

Along with the idea of replacing the bulbs, what does it mean/warn against when I read on the proposed socket, "60W Max" ?
If I were to put a 100W in there, would it explode ? :confused
by Hexdump
Sun Feb 08, 2015 8:30 am
 
Forum: Personal Consumer Issues
Topic: Worth Upgrading to LED Lighting?
Replies: 45
Views: 3510

Re: Married with HDHP, spouse not eligible, use HSA for both

I believe all Medicare premiums are qualified medical expenses for purposes of itemized deductions; but not necessarily for HSA reimbursement. Hence my confusion. Unfortunately, I think you and Jared are correct and I was confused. The definition of qualified medical expenses is different for HSA v...
by Hexdump
Wed Feb 04, 2015 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Married with HDHP, spouse not eligible, use HSA for both?
Replies: 14
Views: 1299

Re: Root Barriers ?

ralph124cf wrote:Seems reasonable to me, but I would question if 14" is enough. Are these installed in a trench, or just pounded in?

Ralph


Yeah, that seemed to be too short and the next quote I got was for 24". It worked out to $33.14 per foot.
by Hexdump
Wed Feb 04, 2015 9:33 am
 
Forum: Personal Consumer Issues
Topic: Root Barriers ?
Replies: 4
Views: 695

Re: Married with HDHP, spouse not eligible, use HSA for both

Hex, Sure you can always choose to itemize provided that you have enough to itemize. However, the instructions from the IRS seem clear to me. Could you share what you have read from sources both from the IRS and from non-official sources that provide a contrary view to the official IRS instructions...
by Hexdump
Tue Feb 03, 2015 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Married with HDHP, spouse not eligible, use HSA for both?
Replies: 14
Views: 1299

Re: Married with HDHP, spouse not eligible, use HSA for both

Well, that's very interesting. Along those same lines could I pay for my Medicare premiums from my wifes HSA ? Here is what IRS Pub 969 says: You cannot treat insurance premiums as qualified medical expenses unless the premiums are for: 1. Long-term care insurance. 2. Health care continuation cover...
by Hexdump
Tue Feb 03, 2015 6:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Married with HDHP, spouse not eligible, use HSA for both?
Replies: 14
Views: 1299

Re: Married with HDHP, spouse not eligible, use HSA for both

Yes, you can use your HSA funds to pay for your spouse's unreimbursed medical expenses. The rules are similar to paying for medical expenses using your FSA funds for your spouse even if he/she is not enrolled in your plan. Well, that's very interesting. Along those same lines could I pay for my Med...
by Hexdump
Mon Feb 02, 2015 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Married with HDHP, spouse not eligible, use HSA for both?
Replies: 14
Views: 1299

Root Barriers ?

We had a tree surgeon out to do an estimate for trimming back our 2 oak trees. He also suggested that I install a root barrier by the tree that is closest to the house. This tree has quite a few roots that are pushing up through the grass. I tend to agree with him and when I asked him for an estimat...
by Hexdump
Mon Feb 02, 2015 8:20 am
 
Forum: Personal Consumer Issues
Topic: Root Barriers ?
Replies: 4
Views: 695

Re: Which Medicare supplement insurance company?

I have New Era plan "G" now and I think that prior to it, I had Transamerica though it was through some silly group plan whose name escapes me.
New Era works well.
by Hexdump
Sun Feb 01, 2015 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Which Medicare supplement insurance company?
Replies: 17
Views: 1315

Re: Women's Face Moisturizer/Lotion

My wife has been going through a lot of different products for the past year before settling on one. She used to use Mary Kay Velocity but it was discontinued. She says that it was meant for teenagers but I have no clue. Don't say anything, but she is a 58 year old Asian lady. Most all that she trie...
by Hexdump
Thu Jan 29, 2015 11:34 am
 
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 51
Views: 3629

Re: Variable Percentage Withdrawal (VPW)

I have uploaded a new version of the VPW spreadsheet (January 28, 2015). As usual, you can find the download links on the wiki:Variable percentage withdrawal page. Changes: ⋅ Added 2014 data extracted from: ⋅  wiki:Simba's backtesting spreadsheet for U.S. data. ⋅ Libra...
by Hexdump
Thu Jan 29, 2015 10:15 am
 
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 535
Views: 146497

Re: Is there a name for this kind of toilet ?

JLJL wrote:Hexdump I think


Hahahahaha
:D :D :D
by Hexdump
Wed Jan 28, 2015 5:32 pm
 
Forum: Personal Consumer Issues
Topic: Is there a name for this kind of toilet ?
Replies: 13
Views: 1255

Is there a name for this kind of toilet ?

We are looking to replace 3 toilets in our 30 year old house and my wife wants the kind that she saw in Korea. What impressed her was that when flushed, the toilet made something like a giant sucking noise and the refuse was propelled down the drain. Nothing at all like what we have now which I thin...
by Hexdump
Wed Jan 28, 2015 8:48 am
 
Forum: Personal Consumer Issues
Topic: Is there a name for this kind of toilet ?
Replies: 13
Views: 1255

Re: Intuit Turbo Tax Refund

They really don't get it or are really sinister. How anyone on their planning committee could not see the uproar is a puzzlement. I'd go with cynical. The job of the planning committee is to maximize profits. I'd say the planning committee saw the uproar but doesn't think it matters. They've been r...
by Hexdump
Sat Jan 24, 2015 6:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Intuit Turbo Tax Refund
Replies: 23
Views: 2175

Re: Intuit Turbo Tax Refund

Intuit forced people that need Schedule D to upgrade to the Premier version and that was not well received. Now they are offering a rebate to those customers but you really have to question if they thought very much about this announcement. If you look into this a little further it turns out you mu...
by Hexdump
Sat Jan 24, 2015 6:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Intuit Turbo Tax Refund
Replies: 23
Views: 2175

Re: Intuit Turbo Tax Refund

Note they just acknowledge they messed up the communications, not the fundamental strategy... Yes, they still don't get it. Thank goodness for the competition. However, TT is certainly the dominant player in the retail tax software market and many customers will not switch unless Intuit's blunder g...
by Hexdump
Fri Jan 23, 2015 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Intuit Turbo Tax Refund
Replies: 23
Views: 2175

Re: Alternatives to TurboTax

Well I tried FreeTax for a bit until I got to a point where I was stuck. I filed a support question and got a prompt reply though it took me a while as I looked for an answer by using the online help. Here is the support ticket I posted. I liked it a lot until I got stuck. ============= Hello, I apo...
by Hexdump
Sat Jan 17, 2015 7:10 am
 
Forum: Personal Consumer Issues
Topic: Alternatives to TurboTax
Replies: 26
Views: 2942

Re: Alternatives to TurboTax

[url]FreeTaxUSA.com[/url] is a good alternative. Federal return is free (regardless of filing situation) and a state return is $12.95. It doesn't have all the bells and whistles that TurboTax has (you can't import W-2s or 1099s, for example), but it's user-friendly and supports pretty much every fe...
by Hexdump
Fri Jan 16, 2015 9:50 am
 
Forum: Personal Consumer Issues
Topic: Alternatives to TurboTax
Replies: 26
Views: 2942

Re: ubunto vs xubuntu vs lubuntu laptop

We just installed Elementary on the wifes laptop and she is quite happy with it, though her specs are somewhat higher than yours. I was a painless install. Previously she had a Toshiba laptop with an AMD processor and when runing openSuse Linux, it ran quite a bit warmer than when running Windows Vi...
by Hexdump
Fri Jan 09, 2015 9:24 am
 
Forum: Personal Consumer Issues
Topic: ubunto vs xubuntu vs lubuntu laptop
Replies: 21
Views: 2473

Re: Do you have or recommend a Financial Only PC?

BL wrote:Why mid-priced?

How about a Chromebook? cheap, light, supposedly virus-free forever.


Aren't chromebooks, by definition, supposed to be internet connected ?
Just asking cause that's how I think of them.
by Hexdump
Wed Dec 24, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: Do you have or recommend a Financial Only PC?
Replies: 84
Views: 7439

Re: Smartphone Cases

As an aside, DW watches a lot of Korean drama and pays attention to the phones/cases. She saw a case that had a window through which you could see the message previews without opening the case. It also permitted answering and talking without opening the case.
Quite clever.
by Hexdump
Fri Dec 19, 2014 7:59 am
 
Forum: Personal Consumer Issues
Topic: Smartphone Cases
Replies: 26
Views: 2474

Re: Smartphone Cases

I've had iphones for years, never had a case. Never broke a screen. I'd prefer to avoid the extra bulk in my pocket, but YMMV. That's interesting. I just bought DW an IPhone 6+ and I am not going to let her out of the house until we have a case for it. It is very thin and the case is very slippery ...
by Hexdump
Fri Dec 19, 2014 7:56 am
 
Forum: Personal Consumer Issues
Topic: Smartphone Cases
Replies: 26
Views: 2474

Re: Favorite Narrators for Fictional Audiobooks

Do you think that the narrator is reading from a prepared script and not the actual novel ? The reason I ask is that as I was listening to one last night I noticed that, during a very active back-and-forth conversation among 3 participants, the narrator would interject: "Jack said, Jill said, F...
by Hexdump
Fri Dec 19, 2014 7:46 am
 
Forum: Personal Consumer Issues
Topic: Favorite Narrators for Fictional Audiobooks
Replies: 25
Views: 1821

Re: Favorite Narrators for Fictional Audiobooks

An interesting and timely topic as I just started giving audiobooks a try. My 1st one was I think, book 6 in the Iron Druid series by Kevin Hearne, and the narrator made a world of difference. He is Luke Daniels. Along those lines, I also started the Wheel of Time (phew) and the narrator is not near...
by Hexdump
Thu Dec 18, 2014 7:25 am
 
Forum: Personal Consumer Issues
Topic: Favorite Narrators for Fictional Audiobooks
Replies: 25
Views: 1821

Re: VPW and annuities

How do you intend to liquidate the annuity? Are you going to annuitize, which means the principal disappears but you gain the annuity income stream? That would be the usual idea, I think. The annuity pays me a monthly payment which will continue until both me and my wife die. No liquidation involve...
by Hexdump
Tue Dec 16, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: VPW and annuities
Replies: 5
Views: 589

VPW and annuities

I would like a Boglehead to check out my reasoning here cause I want to make sure that I get it correct. We have approximately $1m in liquid assets but not including a $300,000 annuity. I use one form of the VPW (Variable Percentage Withdrawals) to calculate what we can spend next year. This is our ...
by Hexdump
Tue Dec 16, 2014 6:58 am
 
Forum: Personal Finance (Not Investing)
Topic: VPW and annuities
Replies: 5
Views: 589
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