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Re: Converting to Safety Razors

Went back to Safety razor about 3 months ago. Boy, what a revelation! Feather blades made in Japan at Amazon: http://www.amazon.com/Feather-Razor-Blades-Hi-stainless-Double/dp/B004RWTQTS These are world's sharpest blades. Bought a package of 100 and will probably last me for 2 years! Used to use Gil...
by MIGIHIDARI
Tue Nov 19, 2013 12:17 am
 
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 50
Views: 4019

Re: Spices for Cooking - Cost, Duration, etc.

Following spices need not be thrown in at least 10 years: Grind only the amount you need. Rest will last for ever. Cloves whole Cardamoms in pods Cinnamon sticks Black pepper whole. Some whole Red chilli peppers Dry mango powder Some more I can not think of. If you need spices at reasonable prices, ...
by MIGIHIDARI
Mon Oct 28, 2013 11:24 pm
 
Forum: Personal Consumer Issues
Topic: Spices for Cooking - Cost, Duration, etc.
Replies: 28
Views: 2335

Re: Age Discrimination

I don't see it as discrimination at all. It is just saying don't hesitate to apply even if you are a senior citizen. Not to be a wise guy but, in your sentence below you mean "too old" and not "to old" right? I guess it's not age discrimination for being to old (when I hear about...
by MIGIHIDARI
Mon Sep 30, 2013 11:01 pm
 
Forum: Personal Consumer Issues
Topic: Age Discrimination
Replies: 10
Views: 1146

Re: Why do you work?

Was going to retire at 65. Got a chance to work in Japan. It has been exciting to live here. Want to enjoy retirement now. Will retire in a couple of years!
Money has also been the reason to work longer.
by MIGIHIDARI
Mon Sep 02, 2013 11:40 pm
 
Forum: Personal Consumer Issues
Topic: Why do you work?
Replies: 73
Views: 6131

Re: How many big moves have you made in your lifetime?

5 moves of over 3000 miles over about 35 years.
Was fun, no regrets.
by MIGIHIDARI
Mon Sep 02, 2013 11:35 pm
 
Forum: Personal Consumer Issues
Topic: How many big moves have you made in your lifetime?
Replies: 76
Views: 5547

Re: Drying clothes in the sun - worth the hassle?

VictoriaF wrote:
protagonist wrote:I The woman responds that after she took a shower there was some soap left and she is doing her laundry.

Victoria

Wonder if she dried her clothes on a clothes line :happy
by MIGIHIDARI
Wed Aug 28, 2013 10:59 pm
 
Forum: Personal Consumer Issues
Topic: Drying clothes in the sun - worth the hassle?
Replies: 86
Views: 6399

Re: Drying clothes in the sun - worth the hassle?

Have lived in Japan for the last 5 years. No house has a drier in this country. Everyone dries their clothes outside. If it rains, they just wait for sun to wash their clothes. It is normal to see clothes hanging on the balconies of multi storey buildings. It is a shame that my home town Honolulu c...
by MIGIHIDARI
Thu Aug 22, 2013 11:25 pm
 
Forum: Personal Consumer Issues
Topic: Drying clothes in the sun - worth the hassle?
Replies: 86
Views: 6399

Re: Drying clothes in the sun - worth the hassle?

WendyW wrote:
Whit wrote:Added bonus to line drying, your clothes last longer.

This ^

Colors seem to stay bright way longer if you can avoid the dryer.
Not sure what the science is behind this.

Bright colors will fade in the sun. BUT, if you hang clothes inside out, fading is not a problem :happy
by MIGIHIDARI
Thu Aug 22, 2013 11:15 pm
 
Forum: Personal Consumer Issues
Topic: Drying clothes in the sun - worth the hassle?
Replies: 86
Views: 6399

Re: Drying clothes in the sun - worth the hassle?

Have lived in Japan for the last 5 years. No house has a drier in this country. Everyone dries their clothes outside. If it rains, they just wait for sun to wash their clothes. It is normal to see clothes hanging on the balconies of multi storey buildings. It is a shame that my home town Honolulu co...
by MIGIHIDARI
Wed Aug 21, 2013 11:36 pm
 
Forum: Personal Consumer Issues
Topic: Drying clothes in the sun - worth the hassle?
Replies: 86
Views: 6399

Re: Thinking of dropping life insurance policy

nisiprius wrote:
kate1234 wrote:Due to an inheritance we have enough assets that we are set; my husband and son just wouldn't need the life insurance if I were to die tomorrow.
Then you don't need life insurance.

+1
No need.
by MIGIHIDARI
Tue Aug 13, 2013 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thinking of dropping life insurance policy
Replies: 14
Views: 925

Re: i'm thinking [of] retiring in Hawaii ( retired already)

Lived in Hawaii for 30 years until 5 yrs ago. Will retire in 2 years to Hawaii. It all depends on your lifestyle. Other than a place to live for $150K, $3600 per month is more than enough for a single person. Finding a place to live in 150K seems difficult on Oahu. You might find something on other ...
by MIGIHIDARI
Mon Aug 12, 2013 11:53 pm
 
Forum: Personal Consumer Issues
Topic: i'm thinking [of] retiring in Hawaii ( retired already)
Replies: 34
Views: 4393

Re: How do you order your steak?

I never eat steak, I am not a vegetarian.
by MIGIHIDARI
Sun Aug 11, 2013 11:10 pm
 
Forum: Personal Consumer Issues
Topic: How do you order your steak?
Replies: 76
Views: 3832

Re: [Sad news - Pat Larimore]

Taylor,
Sorry for your loss.
May God be with you.
by MIGIHIDARI
Thu Aug 08, 2013 11:43 pm
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 15822

Re: Photos of my bike tour from Missoula, MT to Japser, AB

Thanks for sharing!
Amazing has been used many times by other posters. I am going to say again Amazing!
Your first camp site is also nice! I am sorry if it has been answered before, what Make and model of bicycle did you ride?
by MIGIHIDARI
Wed Aug 07, 2013 11:35 pm
 
Forum: Personal Consumer Issues
Topic: Photos of my bike tour from Missoula, MT to Japser, AB
Replies: 46
Views: 3065

Re: House paid in full - tax implications

I'm going to make a guess that the person who told you that does NOT do his/her own taxes. I say that because people who don't do their own taxes often misunderstand/misinterpret tax advice or tax issues. +1 Sometimes Mortgage companies collect propery taxes from you and pay to City and County. Aft...
by MIGIHIDARI
Wed Aug 07, 2013 11:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: House paid in full - tax implications
Replies: 19
Views: 2368

Re: What risks did you choose to take?

Quit a petroleum engineer job to travel and leave my home country for good. Was young and didn't care (Stupid?). My next job? Doing dishes in a foreign country. Was too stubborn to go back as a failure. Struggled but never looked back. At this stage in my life, I am glad I did not go back.
by MIGIHIDARI
Sun Jul 21, 2013 11:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What risks did you choose to take?
Replies: 18
Views: 1781

Re: Avoiding Probate - Vanguard joint account

It does seem that the JTWROS deals with your situation, as the previous post states, it how I have my joint account set. Yes, it is JTWROS but if my wife and I were to die simultaneously there would be no beneficiary (Vanguard won't let you name beneficiaries for joint accounts) and thus this accou...
by MIGIHIDARI
Fri Jul 19, 2013 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding Probate - Vanguard joint account
Replies: 14
Views: 1309

Re: 2014 trip to Europe

My wife and I went to Germany in June 2012. Booked trains (First Class) and hotels on what they call Romantic road. Used an online agent in germany for reservations. Enjoyed our 12 days immensely. We are physically fit and enjoy long walks. If you don't want to walk, this may not be the right way fo...
by MIGIHIDARI
Thu Jul 18, 2013 12:09 am
 
Forum: Personal Consumer Issues
Topic: 2014 trip to Europe
Replies: 44
Views: 3555

Re: Consumerism and Happiness

I live overseas and have not had a car for 5 years now. I am so happy not having a car :D
by MIGIHIDARI
Thu Jul 18, 2013 12:01 am
 
Forum: Personal Consumer Issues
Topic: Consumerism and Happiness
Replies: 83
Views: 6857

Re: The hazards of retiring ...

Blues wrote:I was going to post something about being retired for the last ten years but I can't remember what I was going to say... :wink:

(I'll take retirement over working, personally. That much I do remember... :sharebeer )


Too Funny!
I think that added one day to my life!
by MIGIHIDARI
Tue Jul 16, 2013 11:12 pm
 
Forum: Personal Consumer Issues
Topic: The hazards of retiring ...
Replies: 73
Views: 8294

Re: Big Island Hawaii

Your trip sounds well-planned. I would cancel out Saddle Road which is no big deal (unless you are taking it anyway to get to the Hilo side or from the Hilo side) and would definitely include Waipio Valley Lookout. The Kohala coast area and Waimea-Kamuela is also nice. Ditto to Saddle road exclusio...
by MIGIHIDARI
Thu Jul 11, 2013 12:04 am
 
Forum: Personal Consumer Issues
Topic: Big Island Hawaii
Replies: 45
Views: 3677

Re: Can anyone suggest any good travel forums?

Figure out a country you are interested in then find a forum for that country. Lonely planet is a good one. But you must select a country first.
I found a good one for India called Indiamike.com. I remember getting a lot of info on vietnam from one of the vietnam forums.
Happy travels!
by MIGIHIDARI
Wed Jul 10, 2013 11:58 pm
 
Forum: Personal Consumer Issues
Topic: Can anyone suggest any good travel forums?
Replies: 20
Views: 1941

Re: 50th BD Present for wife....

My eyes swelled up reading your post.
Happy 50th to your wife!
by MIGIHIDARI
Wed Jul 10, 2013 12:05 am
 
Forum: Personal Finance (Not Investing)
Topic: 50th BD Present for wife....
Replies: 13
Views: 1218

Re: Trip to Tokyo!

Without reading all the wonderful suggestions, If you can not make it to Kyoto, do go to Kamakura.
You will have a funfilled time!
by MIGIHIDARI
Mon Jul 01, 2013 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Trip to Tokyo!
Replies: 44
Views: 3743

Re: When dying

Sorry for your loss NCBound.
Thanks also for sharing very private moments with all of us.
I wish you strength to carry on..
by MIGIHIDARI
Tue Jun 25, 2013 11:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: When dying
Replies: 48
Views: 7598

Re: Costco Natural Peanut Butter is Back!

Hmmm.. I'm interested in trying this. Does it separate much? What do you do if/when it does? When I open a new jar of natural peanut butter, I mixed the oil into the peanut butter and put it the refrigerator. The oil does not separate if the peanut butter is kept in the refrigerator. This is the be...
by MIGIHIDARI
Tue Jun 18, 2013 11:26 pm
 
Forum: Personal Consumer Issues
Topic: Costco Natural Peanut Butter is Back!
Replies: 26
Views: 7714

Re: What did you give your wife on your wedding day?

We married over 41 years ago. Gave each other promise of a lifetime together :happy
by MIGIHIDARI
Tue Jun 18, 2013 11:22 pm
 
Forum: Personal Consumer Issues
Topic: What did you give your wife on your wedding day?
Replies: 81
Views: 4981

Re: Paid off mortgage today

I wired the payoff amount to the mortgage company today. The balance started in 2008 at $300,000 at 5.25% and we re-fi'd to 3.25% in July 2011. Our gross income varied from ~$90,000-200,000 during that time. We never touched our 6 month emergency fund and continued sending ~20% to retirement and fu...
by MIGIHIDARI
Sun Jun 09, 2013 11:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today
Replies: 73
Views: 5994

Re: Is it important to establish a credit history? If so, h

When we moved to this country in our thirties, we did not have credit history. We needed to establish it so that later on we would be able to get a mortgage. Secured card was an easy solution. Once we had a secured card and used it a few times, offers started coming through the mail for unsecured ca...
by MIGIHIDARI
Wed May 29, 2013 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it important to establish a credit history? If so, how?
Replies: 18
Views: 910

Re: Medicare Part B question

Thank you Frugaltype!
Lots of information on the link you sent.
I also found the following website to be very helpful.
http://medicareinteractive.org/page2.ph ... ide_id=213
But yours is better!
Thanks again
MH
by MIGIHIDARI
Wed May 29, 2013 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B question
Replies: 2
Views: 445

Medicare Part B question

Need your help to make a decision on signing up for Medicare Part B. Here is my situation: Age: 70 Wife age: 68 Still working and getting medical coverage for self and wife through the employer. As a result, we did not sign up for Medicare Part B at age 65. Every year around the month of September, ...
by MIGIHIDARI
Wed May 29, 2013 1:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B question
Replies: 2
Views: 445

Re: Another RMD question

Thank You for your reply and link.
As I understand now, if I roll over this 401K to Company B, I may not take the distributions if the company plan allows. If I leave it at the Company A, then I will need to take RMDs from this 401K.
I truly appreciate your help.
MH
by MIGIHIDARI
Wed Jan 23, 2013 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another RMD question
Replies: 2
Views: 376

Another RMD question

This site has been an incredible source of information over the years. I apologize for not contributing to the discussions because, I don't feel qualified to do so. Here is my question: I turned 70 this month and am still working. I like my field of work. I have an IRA account with Vanguard and a 40...
by MIGIHIDARI
Tue Jan 22, 2013 11:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another RMD question
Replies: 2
Views: 376

Re: Pat is coming home !

Pat,
Hope your recovery is going fine.
You and Taylor have indeed influenced and enriched so many lives.
Wish you the best of days ahead!
MH
by MIGIHIDARI
Mon May 07, 2012 12:18 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Pat is coming home !
Replies: 115
Views: 10015

Re: Anyone wealthy by being "self-made"? (No Inheritence, et

This post has generated a good amount of posts and lot of advice! My wife and I came to USA with $6000 in our pockets and a kid in tow. I was 35 years old. Did not inherit anything. Worked all kinds of jobs. Now in our sixtees, I can't call us rich but, are comfortable financially. I still work and ...
by MIGIHIDARI
Tue Mar 27, 2012 12:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone wealthy by being "self-made"? (No Inheritence, etc..)
Replies: 96
Views: 5833

Re: JACK BOGLE'S MESSAGE TO BH: Two Birthdays!

Thank you Mr. Bogle for enriching so many lives!
We will be forever grateful.
God bless!
MH
by MIGIHIDARI
Wed Feb 22, 2012 1:01 am
 
Forum: Local Chapters and Bogleheads Community
Topic: JACK BOGLE'S MESSAGE TO BH: Two Birthdays!
Replies: 56
Views: 5609

Re: Can a US citizen be a resident of NO state?

sscritic is right. Every state has its own rules about domicile. My state is Hawaii and here is the example in one online document I found that, pretty much applies to me: Example 4: D, a resident of Hawaii, contracts to work for a company in Japan. The contract is a renewable 3-year contract. D is ...
by MIGIHIDARI
Mon Feb 06, 2012 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can a US citizen be a resident of NO state?
Replies: 36
Views: 5050

Re: Can a US citizen be a resident of NO state?

Thank you sscritic and Lawman for your input. I did not establish my residency in any state before leaving the US. It is too late to do anything about it. I will be retiring/living in that state after 2 to 3 years from now. Two alternatives come to mind: 1. File as a non-resident and then wait for t...
by MIGIHIDARI
Mon Feb 06, 2012 1:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Can a US citizen be a resident of NO state?
Replies: 36
Views: 5050

Can a US citizen be a resident of NO state?

Situation: I, a US citizen was a resident of one state in the US, but live overseas now (Job related). I sold my residence in that state in 2010 but, have rental property. This rental property was not my residence ever. Until 2010 State Income tax was filed as a resident. Should I file state income ...
by MIGIHIDARI
Mon Feb 06, 2012 12:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Can a US citizen be a resident of NO state?
Replies: 36
Views: 5050

Re: Social Security permanent address question

Get online ID and password first. Then login to SS website and change the address.
by MIGIHIDARI
Mon Feb 06, 2012 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security permanent address question
Replies: 6
Views: 892

Re: Honolulu Local Chapter - Who's Interested?

Having lived on Oahu for 30 years, I am temprarily living in Japan. May be another couple of years.
After that I will join Honolulu chapter if one is formed.
Aloha
by MIGIHIDARI
Thu Feb 02, 2012 2:27 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Kansas Local Chapter - Who's Interested?
Replies: 28
Views: 5498

Re: Turbo Tax thru Vanguard for Flagship clients ?

I found the difference betweeen Deluxe and Premier when I wanted to add second rental property working with Deluxe for tax year 2010. It said "you need to upgrade to premier in order to add additional rental properties. Other than that there was no difference.
MH
by MIGIHIDARI
Sun Dec 18, 2011 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: Turbo Tax thru Vanguard for Flagship clients ?
Replies: 47
Views: 4439

Re: Hawaii + Owning vs. Renting house

BH, if you are planning to stay in Hawaii for rest of your life, buying is the way to go.
If you are a short timer (5 to 10 years), renting is better.
I am assuming you are on Oahu.
Aloha
by MIGIHIDARI
Tue Nov 08, 2011 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hawaii + Owning vs. Renting house
Replies: 4
Views: 486

Thanks!

I do not think of myself educated in things financial. But I have visited this forum for years and have gained a lot. Rick Ferri, Larry Swedroe, Laura, Taylor and others have been Godsend. Thanks to all good members of this forum.

Congratulations and thanks to Rick!

MH
by MIGIHIDARI
Fri Oct 07, 2011 1:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Hits the 5,000 Mark
Replies: 12
Views: 2034

Re: Laura thinks...

Laura wrote:Laura thinks this is a great plan. Again, we don't know much about your but unless you are older than 55 years of age this is a nicely diversified, low cost portfolio.

Laura


Laura,

I presume if he is 65 years of age then, VBTLX Vanguard Total Bond Market Index Adm would be 65%?

MH
by MIGIHIDARI
Tue Nov 30, 2010 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing lump sum
Replies: 16
Views: 2304

Taylor,

You have helped me and so many others through out the years. I have followed your advice & posts for almost 10 years and benefitted. You are indeed a father figure to many of us as Sunny said. Wishing you a full recovery. May God give you strength to come out of this healthy.

MH
by MIGIHIDARI
Thu Oct 14, 2010 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taylor
Replies: 138
Views: 19110

You are not dreaming at all. There are quite many jobs that will allow you to do that. Keep on looking and you will find your groove. You have time on your hands, don't settle for something you don't like. This is coming from someone who has been a Geophysicist, Kitchen help, Retail clerk, Retail sh...
by MIGIHIDARI
Sun Sep 05, 2010 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ever changed your career?
Replies: 29
Views: 3512

The essential step to take are: 1. Arrive at an overall asset allocation you want to follow. 2. Devise a way to locate that asset allocation in the most tax efficient manner. 3. Choose investment vehicles that implement allocation and location in the most cost effective manner. Between 2. and 3. th...
by MIGIHIDARI
Fri Sep 03, 2010 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nearing Retirement, 401K question
Replies: 4
Views: 907

Can you get VTINX (vanguard retirement income fund) or Target Retirement 2010? I think both of these would make more sense for your situation. VTINX has 64% bonds (20% being in TIPS). You could get into the Retirement 2010 fund (if offered) which is closer to a 50/50 allocation with 10% TIPS and mo...
by MIGIHIDARI
Fri Sep 03, 2010 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nearing Retirement, 401K question
Replies: 4
Views: 907
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