Search found 1583 matches

by Hexdump
Mon Aug 31, 2015 6:33 am
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 245
Views: 27112

Re: What are Costco's best deals?

Hey,no business is perfect and sometimes there are problems.I will just leave it at when you consider everything Costco offers from food to electronics,there is no other store that is their equal.I have some bad produce as well and I returned it as well as many other things....they have the best re...
by Hexdump
Sat Aug 29, 2015 8:42 am
Forum: Personal Consumer Issues
Topic: Recommendations for steam mop
Replies: 18
Views: 2048

Re: Recommendations for steam mop

For those with engineered or laminate floors, do you use these type of steamers on the floor ?
I was always reluctant to do it as it just seems that wood and water dont mix.
by Hexdump
Fri Aug 07, 2015 6:29 am
Forum: Personal Finance (Not Investing)
Topic: "A different kind of retirement calculator"
Replies: 32
Views: 4603

Re: "A different kind of retirement calculator"

Postby Taylor Larimore So what happened? We simply withdrew what we needed and kept an eye on our portfolio balance. Most years our balance went up and we spent the money on vacations, luxuries and charity. When our balance went down we tightened our belt and economized. This is what most people do...
by Hexdump
Fri Aug 07, 2015 6:09 am
Forum: Personal Consumer Issues
Topic: iPad - usefulness?
Replies: 53
Views: 3976

Re: iPad - usefulness?

Mostly the Kindle reading app. Plus email and web braowsing. It was given to me 5 years ago and I love it though it has space li itations. I have recently gotten to like audio books and pod casts and they take a ton of space. Whenspace starts getting cramped, the IPad really slows down. Another thin...
by Hexdump
Fri Aug 07, 2015 6:02 am
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 201
Views: 13912

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

Sounds high to me. We are a retired couple living in Houston and budget $500.00 per month which we rarely exceed. We do not buy organics as they are a lot more expensive. The grocery spending also includes anything that can be bought from a supermarket, like cosmetics, paper products, cat food, etc....
by Hexdump
Fri Aug 07, 2015 5:56 am
Forum: Personal Consumer Issues
Topic: New PC - Buy Office or use free alternatives
Replies: 49
Views: 4175

Re: New PC - Buy Office or use free alternatives

We switched about 8 months ago from Windows 7 and Vista to Linux. With it came Libre office and I have not had to worry about incompatibilities. I have had no problems at all opening or saving-as any file. Admittedly, I am not a power user and the most stress that I have put on the xcel equivalent w...
by Hexdump
Tue Aug 04, 2015 6:48 am
Forum: Personal Consumer Issues
Topic: Seniors must have items
Replies: 17
Views: 2422

Re: Seniors must have items

The best and most useful gift I got at 70 was an IPad, principally used as a Kindle book reader. One thing that I bought for myself that my wife also uses is an extra, extra, long shoe-putting-on-thing. I dont know what it is called but its the thing that goes in the back of your shoe and allows you...
by Hexdump
Sat Jul 25, 2015 8:25 am
Forum: Personal Consumer Issues
Topic: Any IPad users, I am looking for a new IPad device
Replies: 7
Views: 1168

Re: Any IPad users, I am looking for a new IPad device

Well, I talked to the Leef people to see what they recommend and they basically said to either delete some files , go ICloud, or get a new device. The IPad2 connector is the problem. 3n pins or somesuch. They have nothing that can connect to it, have no plans to make one, nor know of anyone that has...
by Hexdump
Fri Jul 24, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: Any IPad users, I am looking for a new IPad device
Replies: 7
Views: 1168

Re: Any IPad users, I am looking for a new IPad device

Thank you freeman that looks like it and I also found this.
http://www.leefco.com/ibridge

More study needed.
by Hexdump
Fri Jul 24, 2015 7:27 am
Forum: Personal Consumer Issues
Topic: Any IPad users, I am looking for a new IPad device
Replies: 7
Views: 1168

Any IPad users, I am looking for a new IPad device

or IPhone device. I saw this on the Bing News home page about 3 days ago and it fascinated me and I had thought that I would be able to find it later. Well, nuts, I cannot find it. It was on either the Products or Science/Technology section. It looked to be about 4" long and looked like a cable...
by Hexdump
Sun Jul 19, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: Medical insurance policies ? ACA or the market ?
Replies: 28
Views: 2056

Medical insurance policies ? ACA or the market ?

My wife and I were having this discussion and I am a bit confused myself. She is 60 and her COBRA plan is about to expire so we are shopping for a replacement. She said that she could buy an "Obamacare policy". What I said was that the policy that she would buy under the ACA would be the s...
by Hexdump
Thu Jul 16, 2015 8:02 am
Forum: Personal Consumer Issues
Topic: Xfinity vs ATT
Replies: 9
Views: 845

Re: Xfinity vs ATT

The biggest thorn is the blasted email abcdef@att.net. I'm amazed you're still using email tied to an ISP. Switch and be done with it. We have switched to a .com email however there are a few sites that use the .att email as a signon id. The worst example is the Apple store for IPad and IPhone purc...
by Hexdump
Tue Jul 14, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: Xfinity vs ATT
Replies: 9
Views: 845

Xfinity vs ATT

We have ATT now and our discounts just expired. Our plan is the 18gb, and the list price is about $62.00, Max Plus. We had been getting it for $31.00 but I dont think that I will get those discounts again. I think that I can talk them down to about $40.00. Xfinity has a 25GB plan for $61.00 discount...
by Hexdump
Sun Jul 12, 2015 8:41 am
Forum: Personal Consumer Issues
Topic: Learning Spanish
Replies: 62
Views: 5246

Re: Learning Spanish

Aprender español es fácil. Good conversation, good recommendations. Aqui estan mis dos centavos (here are my two cents). My recommendation is to practice, practice, practice at home, at work, and start "thinking" in Spanish. Oh by the way, don't be ashamed to ask the Spanish speaking pers...
by Hexdump
Sat Jul 04, 2015 9:30 am
Forum: Personal Consumer Issues
Topic: Learning Spanish
Replies: 62
Views: 5246

Re: Learning Spanish

I am in somewhat the same spot. I have been looking around for conversational Spanish courses and bought and am stydying this one. http://www.spanish-is-easy.com/?inf_contact_key=5f081bb447766db464068df5c867e7c7f7d2db69e8372dcd19b79ee26ba9b12a His download course is the best one that I have found so...
by Hexdump
Wed Jul 01, 2015 5:07 am
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 45
Views: 5823

Re: Best Cell Plan?

WhyNotUs wrote:Have a BBQ and invite a variety of friends over. ask them if you can use their phone and call your phone to leave a message with some blah blah and the name of their service, number of bars, level of data. That should give you site specific info for a variety of providers.


What a great idea !
by Hexdump
Wed Jun 24, 2015 5:11 am
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 72
Views: 9120

Re: Money arguments with spouse and how did you resolve

I usually start with " How do we fit this into the budget ? IE, where do we get this money ? If she insists that we not worry about it, I point out that, me being 17 years older, she is the one that will have to back to work when she turns 80. If she still insists, I can still say no. I like th...
by Hexdump
Mon Jun 22, 2015 7:14 am
Forum: Personal Consumer Issues
Topic: Need to replace refrigerator, buying advice?
Replies: 7
Views: 989

Re: Need to replace refrigerator, buying advice?

We replaced our side by side about 6 months ago with a Samsung french door style. The side by side, though it seemed to be efficient, was not. The french door (Sliding freezer drawer at the bottom) is really great. It's a Samsung and, after much agonizing we bought it online. The process was effortl...
by Hexdump
Sun May 17, 2015 6:10 am
Forum: Personal Consumer Issues
Topic: Cellular/wifi traveling to Scotland
Replies: 14
Views: 1004

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 - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 541
Views: 77559

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: 2131

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: 2354

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: 2131

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: 2354

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: 2131

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: 10518

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: 706

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: 706

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: 892

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: 892

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: 892

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: 892

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: 962
Views: 190910

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: 2555

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: 2555

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: 1700

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: 1253

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: 1253

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: 1700

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: 1700

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: 1700

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: 4185

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: 2157

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: 1166

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: 4952

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: 15859

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: 5199

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: 7075

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: 2119

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: 2119

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...

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