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by Hexdump
Sun May 17, 2015 6:10 am
Forum: Personal Consumer Issues
Topic: Cellular/wifi traveling to Scotland
Replies: 14
Views: 803

Re: Cellular/wifi traveling to Scotland

Along these same lines, DW is heading to So. Korea for a few weeks and was asking the same question. I had, as a 1st thought, that it would be possible to buy a throw-away phone at or near the Seoul airport for use in country. Do you see anything seriously wrong with this approach and at the time I ...
by Hexdump
Fri Apr 03, 2015 9:32 am
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 328
Views: 41357

Re: What are you up YTD?

1st quarter return was 1.44%

100 % Wellesley
by Hexdump
Thu Mar 26, 2015 5:08 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deluxe
Replies: 20
Views: 1960

Re: TurboTax Deluxe

I too bought the "free" version through Vanguard then was surprised to see that they charge a fee for electronic filing. I am a bit late in the game with our taxes but I will certainly look elsewhere next year. I hate their games. Was it the Fed or state it wanted you to pay for? I filed ...
by Hexdump
Tue Mar 24, 2015 8:11 am
Forum: Personal Consumer Issues
Topic: Traveling WiFi
Replies: 17
Views: 2154

Re: Traveling WiFi

It's possible that your cable or phone supplier has hot spots around the country. For example, my phone provider (AT&T) and my cable supplier (Bright House Network) both have hundreds of thousands of free access sites around the country. That's interesting Mel and was something that I vaguely k...
by Hexdump
Mon Mar 23, 2015 7:46 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deluxe
Replies: 20
Views: 1960

Re: TurboTax Deluxe

I too bought the "free" version through Vanguard then was surprised to see that they charge a fee for electronic filing. I am a bit late in the game with our taxes but I will certainly look elsewhere next year. I hate their games. Was it the Fed or state it wanted you to pay for? I filed ...
by Hexdump
Sun Mar 22, 2015 1:23 pm
Forum: Personal Consumer Issues
Topic: Traveling WiFi
Replies: 17
Views: 2154

Traveling WiFi

We will be on vacation for about 6 weeks and might not be at a spot that has Wifi access. We have ATT as our provider and I see that they have mobile devices named Velocity, Unite, Unite Pro. They sell for $50.00-150.00 or 0.99 with a 2 year contract. I have also used my IPhone 5 as a tethering devi...
by Hexdump
Sat Mar 21, 2015 6:08 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deluxe
Replies: 20
Views: 1960

Re: TurboTax Deluxe

I too bought the "free" version through Vanguard then was surprised to see that they charge a fee for electronic filing.
I am a bit late in the game with our taxes but I will certainly look elsewhere next year. I hate their games.
by Hexdump
Sat Mar 21, 2015 6:03 am
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 9504

Re: Whats a good Pistol to buy?

Nothing fancy. But a good brand. Something to carry in my Motorhome when I travel. Like a 38 or 40 cal. A revolver/ double action/ external hammer.... for example. I know nothing about guns. I am in CA. Any recommendations/ comments. Thanks. Not trying to be a smart a$$. Pistols are semi-automatics...
by Hexdump
Fri Mar 20, 2015 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Another SSA question.
Replies: 5
Views: 640

Re: Another SSA question.

As an item of information from a reliable source (thank you SS), the divorced wives can also claim widow benefits.
by Hexdump
Wed Mar 18, 2015 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Another SSA question.
Replies: 5
Views: 640

Another SSA question.

I am asking for a friend with this situation. Lets call her wife 2 (W2) She is married to a man (age 62) who is some 20 years older than she. He had been married before and his ex-wife (W1, age 65) is claiming that she can claim SSA benefits because she was married to him for at least 10 years and s...
by Hexdump
Tue Mar 17, 2015 6:56 am
Forum: Personal Finance (Not Investing)
Topic: I made a mistake with an IRA contribution
Replies: 7
Views: 838

Re: I made a mistake with an IRA contribution

Well, after some more research it looks like I need to do this. My wife is 58 but I am hoping that won't matter. The $6,500 was sort of a gift from me and I got the $6,500 as a normal distribution from my traditional IRA. So, what I need to do is convince PenFed that the IRA account in her name shou...
by Hexdump
Mon Mar 16, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: I made a mistake with an IRA contribution
Replies: 7
Views: 838

Re: I made a mistake with an IRA contribution

Thank you Epsilon. Color me educated in that I did no know about the limits also applying to a Roth. As the investment is a 5 year CD, I will need to see what kind of penalty I will incur if I cash it in early. I really don't want to do that, so maybe PenFed can magically re categorize the account a...
by Hexdump
Mon Mar 16, 2015 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: I made a mistake with an IRA contribution
Replies: 7
Views: 838

Re: I made a mistake with an IRA contribution

Yes, she only earned $1800 and I only have Social Security, an annuity, and investment sales.
by Hexdump
Mon Mar 16, 2015 11:54 am
Forum: Personal Finance (Not Investing)
Topic: I made a mistake with an IRA contribution
Replies: 7
Views: 838

I made a mistake with an IRA contribution

and just realized it while doing our taxes. During the furor over the PenFed 5 year CD at 3%, I jumped all over it and contributed the IRA max of $6500. OOPS !! I had forgotten that my wife would be retiring in 2014 and was limited on how much she could contribute. Yikes !! So, to avoid whatever pen...
by Hexdump
Sat Mar 14, 2015 7:50 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 734
Views: 106305

Re: What Book Are You Currently Reading? Part VI

I got notice of this author through my Goodreads account, which I discovered based upon a recommendation here. The book is a Kindle version, free from Amazon.com http://www.amazon.com/Gauguin-Connection-Book-Genevieve-Lenard-ebook/dp/B008X3NCRE/ref=sr_1_7?s=digital-text&ie=UTF8&qid=142633694...
by Hexdump
Sat Mar 14, 2015 7:31 am
Forum: Personal Consumer Issues
Topic: Which Asus computer to buy?
Replies: 24
Views: 2236

Re: Which Asus computer to buy?

Interesting discussion as I am also shopping for a new desktop. For my benefit, would your recommendations change if I were going to run Linux rather than Windows ? thanks for the sidetrack I run a dual boot Linux Mint/Windows 7 on my home PC. For most of the time I'm using Linux. The only reason I...
by Hexdump
Fri Mar 13, 2015 7:32 am
Forum: Personal Consumer Issues
Topic: Which Asus computer to buy?
Replies: 24
Views: 2236

Re: Which Asus computer to buy?

Interesting discussion as I am also shopping for a new desktop.
For my benefit, would your recommendations change if I were going to run Linux rather than Windows ?

thanks for the sidetrack
by Hexdump
Fri Mar 13, 2015 7:21 am
Forum: Personal Consumer Issues
Topic: Does anyone have experience with filling an RX
Replies: 18
Views: 1567

Re: Does anyone have experience with filling an RX

Re the expiration date of the RXes. I had asked the Dr. to write 2 scripts which she did. Both were dated the same date-written (3/10/2015), but they have different earliest fill dates of 3/24/2015 and 4/23/2015. The 3/24/2015 Rx is the one I will try and have my friend pick up. The 4/23/2015 I will...
by Hexdump
Fri Mar 13, 2015 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Medicare - already covered but turning 65 ?
Replies: 11
Views: 1166

Re: Medicare - already covered but turning 65 ?

It is usually not necessary to sign up for Part B if your (your spouse's) employer has more than 20 employees. Premium for Part B is currently at $104.90 per month (higher for higher income families) There is NO penalty for late enrollment into Part B if you are covered with current employment as y...
by Hexdump
Thu Mar 12, 2015 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Medicare - already covered but turning 65 ?
Replies: 11
Views: 1166

Re: Medicare - already covered but turning 65 ?

I can't remember exactly why I did it but I did both A&B at 65. My circumstances were that I was retired but covered under my wifes policy. I actually started using part B at about age 70. There were some considerations that made it important to enroll in B at 65 even though I didn't use it. I s...
by Hexdump
Thu Mar 12, 2015 8:22 am
Forum: Personal Consumer Issues
Topic: Does anyone have experience with filling an RX
Replies: 18
Views: 1567

Re: Does anyone have experience with filling an RX

I think the order it in state and have it picked up and mailed by a friend seems like the best solution. Similar to Dolphins, I have had similar experiences with pharmacists (sobs), to the point we almost came to blows. My blood pressure still rises as I think of it. They seem to have their own lit...
by Hexdump
Thu Mar 12, 2015 8:04 am
Forum: Personal Consumer Issues
Topic: Does anyone have experience with filling an RX
Replies: 18
Views: 1567

Re: Does anyone have experience with filling an RX

I think the order it in state and have it picked up and mailed by a friend seems like the best solution. Similar to Dolphins, I have had similar experiences with pharmacists (sobs), to the point we almost came to blows. My blood pressure still rises as I think of it. They seem to have their own litt...
by Hexdump
Thu Mar 12, 2015 5:34 am
Forum: Personal Consumer Issues
Topic: Does anyone have experience with filling an RX
Replies: 18
Views: 1567

Does anyone have experience with filling an RX

Out of state ? It's not quite as simple as suggested. I live in HoustonTX and will be going to Calif. for a period of about 2 months and I take a medication that I think is categorized as Schedule 2. It is a pain reliever, Morphine extended release. My prescribing Dr. said that Calif. would not fill...
by Hexdump
Tue Mar 10, 2015 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Selecting a Medigap Policy with 28 Choices
Replies: 42
Views: 3959

Re: Selecting a Medigap Policy with 28 Choices

None of the above protects one from incompetence and screwing up the files. What about denying a claim based on a false allegation that the insurance has lapsed because the premium has not been paid when it has? What about being able to competently set up automated bill paying to ensure that paymen...
by Hexdump
Sun Mar 08, 2015 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Lowering Taxable Income
Replies: 18
Views: 1952

Re: Lowering Taxable Income

What we have done and still do is invest in something that manages Low Income Properties. I am not associated with them other than being a happy investor. The company that I invest through is Boston Capital. https://investorcenter.bostoncapital.com/static_pages/login_page.html For your investment yo...
by Hexdump
Thu Mar 05, 2015 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Good Expensive Dental Plans
Replies: 12
Views: 1095

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 9:55 am
Forum: Personal Finance (Not Investing)
Topic: What percentage of your total net worth is your home?
Replies: 62
Views: 4478

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
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: 173
Views: 14305

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
Mon Mar 02, 2015 8:31 am
Forum: Personal Consumer Issues
Topic: Honda fit vs VW GTI
Replies: 54
Views: 4412

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
Sat Feb 28, 2015 10:08 am
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 105
Views: 6451

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 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Is there a way to provide for inflation ?
Replies: 22
Views: 1954

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
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: 1954

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 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Is there a way to provide for inflation ?
Replies: 22
Views: 1954

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
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: 1954

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 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Is there a way to provide for inflation ?
Replies: 22
Views: 1954

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
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: 1954

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
Mon Feb 23, 2015 1:51 pm
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 4001

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 10:28 am
Forum: Personal Consumer Issues
Topic: On line product reviews vs Consumers Reports
Replies: 37
Views: 2988

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
Tue Feb 17, 2015 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5733

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 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Hospice vs Long Term Care
Replies: 13
Views: 1146

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 9:46 am
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 7321

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 9:27 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 849
Views: 118858

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 9:23 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 849
Views: 118858

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
Sun Feb 15, 2015 5:45 pm
Forum: Personal Consumer Issues
Topic: I need a recommendation for a pressure washer.
Replies: 26
Views: 1702

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 9:44 am
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2325

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 9:30 am
Forum: Personal Consumer Issues
Topic: I need a recommendation for a pressure washer.
Replies: 26
Views: 1702

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 9:13 am
Forum: Personal Consumer Issues
Topic: I need a recommendation for a pressure washer.
Replies: 26
Views: 1702

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
Fri Feb 13, 2015 6:25 am
Forum: Personal Consumer Issues
Topic: I need a recommendation for a pressure washer.
Replies: 26
Views: 1702

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
Thu Feb 12, 2015 8:21 am
Forum: Personal Consumer Issues
Topic: I need a recommendation for a pressure washer.
Replies: 26
Views: 1702

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
Wed Feb 11, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: I need a recommendation for a pressure washer.
Replies: 26
Views: 1702

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...

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