Search found 92 matches

by Statch
Fri Jun 19, 2015 4:22 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 161
Views: 13039

Re: OPM breach and credit freeze

I got the email from OPM yesterday, and I am so dismayed that they chose to put the CSID offer in an email with a link to a site that then asks for all that very important personal information. How are we supposed to distinguish that from a phishing attack? I looked online and found that it came fro...
by Statch
Thu Apr 30, 2015 7:42 am
Forum: Investing - Theory, News & General
Topic: Retirees - What would you have done differently?
Replies: 48
Views: 6877

Re: Retirees - What would you have done differently?

OP: None of the below may apply to you. Just throwing out there things that helped or would have helped me. If you haven't already, get control of your diet and exercise situation. Many people do get much better at that after retirement, but it sure is easier if you've started beforehand. I really r...
by Statch
Thu Apr 16, 2015 4:33 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 351
Views: 150785

Re: TV show recommendations?

The Walking Dead
The Americans
Better Call Saul
Breaking Bad
Heartland
Justified (series just ended this week)
Orphan Black
Outlander
Broadchurch
Happy Valley
Longmire
Sherlock
Bloodline
by Statch
Fri Feb 06, 2015 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 9870

Re: How to make this fair: gifting to kids with different me

We've got a similar problem, but it's three kids instead of two. In our case, it's not just a "lifestyle choice", it's brain chemistry the kid didn't ask for. This is the situation with relatives. The parents are leaving the money in equal amounts for each child, but one child will also g...
by Statch
Sat Jan 24, 2015 4:50 pm
Forum: Personal Consumer Issues
Topic: Downsize, Reduce, Simplify.
Replies: 72
Views: 10240

Re: Downsize, Reduce, Simplify.

Really interesting thread! Of course we're not getting the people who haven't downsized because they know they don't want to and wouldn't be happy that way. I downsized a few years ago due to an unexpected move, and have regretted nothing I got rid of except some books. I used to be a book hoarder, ...
by Statch
Fri Jan 16, 2015 7:38 pm
Forum: Personal Consumer Issues
Topic: Learning a NEW language - Foreign Service Inst
Replies: 56
Views: 5204

Re: Learning a NEW language - Foreign Service Inst

The U.S. Defense Language Institute, which trains military linguists, also makes a wealth of great material publicly available: http://www.dliflc.edu/products.html.

For people interested in the process of langauge learning, a really fun site is The Mezzofanti Guild (http://www.mezzoguild.com/).
by Statch
Fri Jan 16, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: Learning a NEW language - Foreign Service Inst
Replies: 56
Views: 5204

Re: Learning a NEW language - Foreign Service Inst

There's a web site called italki.com where you can connect with instructors around the world in various languages for online interactive sessions. I haven't tried it myself but it's an interesting idea. They have lists of 'professional instructors,' 'informal tutors,' and 'instant tutors.' Each inst...
by Statch
Tue Nov 04, 2014 9:23 am
Forum: Personal Consumer Issues
Topic: Ashley Furniture
Replies: 42
Views: 4455

Re: Ashley Furniture

We had to get some furniture in a hurry ten years ago, and bought a 3-piece reclining vinyl living room set from Ashley on a good sale. Four moves later, it still looks like it did when we bought it. Unfortunate, since I never really liked it and would like an excuse to replace it :( but I can't com...
by Statch
Thu Oct 23, 2014 5:22 pm
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 7851

Re: Do you regret buying your home?

I think the question is whether we regret the particular house that we bought (as opposed to the buy vs. rent decision)? If so, sometimes I regret that we didn't buy a smaller home (lower cost up front, less maintenance & cleaning, lower utility bills, etc). On the other hand, I'm virtually cert...
by Statch
Mon Oct 20, 2014 4:29 pm
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 9085

Re: How do you wash your car?

Very timely poll! I rarely wash my car, but kind of assumed everyone else does it all the time and felt vaguely guilty so when I retired this year, I started doing it myself once a month, which I don't enjoy. I was washing my husband's car too. Then I read that it's much more eco-friendly to take it...
by Statch
Sun Oct 19, 2014 10:43 am
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 3188

Re: POLL: How fulfilling is your retirement?

I think the poll results are easily skewed by amount of time in retirement and the reason for retirement. I chose "struggling with identity"...I'm in the first year of retirement, and I've been going back and forth between the identity 'crisis' and periods of feeling happy and free. The la...
by Statch
Thu Oct 02, 2014 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Being older/younger in class -- benefits, issues?
Replies: 114
Views: 10523

Re: Being older/younger in class -- benefits, issues?

December baby here, female. I started kindergarten at 4. Academically I did well, and even was bored. (My high school allowed me to complete four years of Spanish in two years and the same for French, and let me do independent studies in history for a year, which helped a lot.) I completed college i...
by Statch
Fri Sep 12, 2014 4:29 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 295
Views: 34433

Re: Roll Call for the Retirement Class of 2014!

Victoria, you can add me. I retired on January 3, at age 55. Thanks!

Statch
by Statch
Wed Aug 27, 2014 8:46 am
Forum: Personal Consumer Issues
Topic: vacation destinations similar to Savannah or Charleston SC
Replies: 28
Views: 2397

Re: vacation destinations similar to Savannah or Charleston

St. Simons Island is a great place to visit. Much smaller and a lot less to do then Savannah or Charleston, but Savannah is an easy day drive north up I-95 (about 1.5 hours away) and Amelia Island (also a great destination) is about the same distance south on I-95. So you could take the day trips, t...
by Statch
Mon Aug 18, 2014 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing to retire checklist
Replies: 105
Views: 13559

Re: Preparing to retire checklist

Good luck, Victoria! I retired from the federal government (CSRS) in January, and it took 2.5 months to get finalized by OPM, which I consider great, considering I had been reading scare stories about it taking 6 months or more (and I've moved around a bit so have a somewhat complicated file). A fri...
by Statch
Sun Aug 17, 2014 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of Medical Records
Replies: 16
Views: 1129

Re: Cost of Medical Records

We just moved and asked our previous doctor to send our medical records to the new doctor. It was going to cost us $75 for my husband's record alone, after only going to the doctor for 3 years. We said no thanks. Fortunately we had kept good records.
by Statch
Sun Aug 17, 2014 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: What was Underestimated\Overestimated in Retirement
Replies: 48
Views: 5362

Re: What was Underestimated\Overestimated in Retirement

I retired this year. We moved immediately so it was hard to estimate expenses, but I did underestimate the impact of having more time to look for deals and think about cutting expenses. We ask for senior discounts, negotiate expenses like cable TV, and bargain shop more, and I can see the effect in ...
by Statch
Sun Aug 17, 2014 2:09 pm
Forum: Personal Consumer Issues
Topic: Moving after retirement.
Replies: 43
Views: 5006

Re: Moving after retirement.

Retiring can be quite a transition in itself. I retired this year and moved right away to a lower cost of living area in the south from a HCOL area. In our case, we had no ties to the HCOL area (only there for 3 years for work), didn't like it, and had family in the lower cost of living area, so it ...
by Statch
Sun Aug 17, 2014 1:47 pm
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3560

Re: Pressure Cookers?

I use the electric Cuisinart and like it quite a bit. I've stopped using a crockpot at all because of it. I make a veggie stock every week. When I first got the pressure cooker, I made the same recipe in it (cooked for 15 minutes at high pressure) and the crockpot. The pressure cooker version was fa...
by Statch
Sat Aug 09, 2014 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 6051

Re: Poll - Do you use Quicken?

I started using Quicken in the 90's and found it really useful. Unfortunately in about 2008, my database got corrupted. It wasn't a terribly obvious corruption so I didn't realize it until I had already overwritten my backups. I didn't have the heart to start all over again at that point so I stoppe...
by Statch
Tue Aug 05, 2014 11:35 am
Forum: Personal Finance (Not Investing)
Topic: HELP! Budget Out of Control
Replies: 47
Views: 4010

Re: HELP! Budget Out of Control

I actually think you're doing great. It's very difficult for us to critique individual budget items since we're all so very different and live in different locations. For example, I spend the same amount for auto insurance for two cars, after extensive checking around. But I have different cars, liv...
by Statch
Wed Jul 16, 2014 6:28 pm
Forum: Personal Consumer Issues
Topic: Paperwhite for Cloudy-Day Reading
Replies: 21
Views: 1993

Re: Paperwhite for Cloudy-Day Reading

I use the light all the time, leave wifi on, and I usually get at least a week on a charge.
by Statch
Wed Jul 16, 2014 5:21 pm
Forum: Personal Consumer Issues
Topic: Paperwhite for Cloudy-Day Reading
Replies: 21
Views: 1993

Re: Paperwhite for Cloudy-Day Reading

I've found that the Paperwhite is legible in all different kinds of lights, from pitch-black, to cloudy, to full sunlight. I have bad vision in low-light situations, so the capability to adjust the light level has been a lifesaver, and I've not experienced any eyestrain with it. I have a case but I ...
by Statch
Wed Jul 16, 2014 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should We Buy a Retirement House Now?
Replies: 11
Views: 1653

Re: Should We Buy a Retirement House Now?

I retired early this year, and we moved to the retirement house we had bought last year. We didn't rent it out but I have previously rented out a home while we lived overseas. That was not a good experience (the people stopped paying rent, we had to evict them, and they left behind a cat in the home...
by Statch
Mon Jul 14, 2014 5:40 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 351
Views: 150785

Re: TV show recommendations?

We are late getting into all these great drama series...just started really watching that kind of TV this year. So we have lots of catching up to do. So far top of the list is The Walking Dead. We're retired and have never liked violent films so I don't even know why we watched the first episode, bu...
by Statch
Sun Jul 13, 2014 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Residence and Care Agreement - Questions
Replies: 30
Views: 3207

Re: Assisted Living Residence and Care Agreement - Questions

Good, glad it was useful! Yes, that was my concern with the one my relative was interested in. It was only 60% occupied, and I thought there was a strong possibility she'd leave and would need a refund. Couldn't see what their incentive was to return the deposit quickly if they were going to have tr...
by Statch
Sun Jul 13, 2014 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Residence and Care Agreement - Questions
Replies: 30
Views: 3207

Re: Assisted Living Residence and Care Agreement - Questions

I know this isn't the question(s) you asked, but when I was doing my research on assisted living for my relative, I found this great, very detailed article that describes how to assess the financial viability of the underlying company and other good questions to ask the company. (State regulations m...
by Statch
Sat Jul 12, 2014 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Residence and Care Agreement - Questions
Replies: 30
Views: 3207

Re: Assisted Living Residence and Care Agreement - Questions

We just went through this with a relative (in Georgia, though), and it really matters what kind of facility it is. In her case, she looked at one that was a continuum of care community that required a very high up-front payment (hundreds of thousands), which initially bought you the right to use an ...
by Statch
Mon Jun 09, 2014 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 4080

Re: Should I be concerned: auto vs. umbrella insurance

Sorry it took me so long to do an update to this. I sent an email to my agent when I saw placeholder's note, quoting those emails, and just got the response: "Sorry about all the confusion with this Umbrella Policy. The agent in question is right, the total coverage you have on your home is 1.5...
by Statch
Fri May 16, 2014 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 4080

Re: Should I be concerned: auto vs. umbrella insurance

I don't know what to make of it either. I got the same answer from both Allstate and Traveler's (about a policy I owned or had owned) and I was very clear in what I was asking (or least thought I was). The way I'm looking at it, though, is that the worst case scenario is that I have what they told m...
by Statch
Thu May 15, 2014 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Introduction and my situation
Replies: 16
Views: 1792

Re: Introduction and my situation

OP, just wanted to say that you're carrying quite a load too. Sounds like you're working, you just got through quite a lot of schooling (obviously successfully), and you also have a newborn. I hope that you'll go a bit easy on yourself. I think you guys are doing great with the amount of money you'v...
by Statch
Thu May 15, 2014 5:14 pm
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 27780

Re: New homeowner: lawn care advice

I'm not going to be surprised at all if my experiment with the electric mower doesn't work. A lot of the lot is filled with other things so it's not a ton of grass, but the sheer heat here in the summer may get me too. I've saved enough after two months of doing our own lawn/landscaping care to pay ...
by Statch
Thu May 15, 2014 7:12 am
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 27780

Re: New homeowner: lawn care advice

For what it's worth, I have St. Augustine's in the south and use a corded electric mower on a half-acre lot (not all of the lot is grass). This is an experiment; I got the mower this season and have only used it a few times. The first time I did find the cord to be bothersome, but now I've figured o...
by Statch
Fri May 09, 2014 4:42 pm
Forum: Personal Consumer Issues
Topic: eBook Readers and EPUB files?
Replies: 22
Views: 1508

Re: eBook Readers and EPUB files?

The Paperwhite doesn't do audiobooks, unfortunately (some previous versions of the Kindle did). I have gotten audiobooks from the library (via Overdrive) on my smartphone and tablet (and even on my iPod Nano), though, and they work really well. Re the comment about waiting to see if Amazon supports ...
by Statch
Thu May 08, 2014 12:47 pm
Forum: Personal Consumer Issues
Topic: eBook Readers and EPUB files?
Replies: 22
Views: 1508

Re: eBook Readers and EPUB files?

I have the Kindle Paperwhite, and love it, but as others said, it does not support the ePub format. Do you know what service your local library uses for ebooks? If it's Overdrive, that does have both the ePub and Kindle formats. If you have a Kindle, you get to Overdrive via a computer, and the eboo...
by Statch
Tue May 06, 2014 7:03 pm
Forum: Investing - Theory, News & General
Topic: Getting Your Retirement Right
Replies: 36
Views: 5359

Re: Getting Your Retirement Right

Thanks for posting this. It's a well written paper and helpful for understanding and explaining the issue. As it happens, a relative is using this company and got an Envision statement that she asked me to look at. This paper also helped me with understanding how the statement was structured. I'm as...
by Statch
Tue May 06, 2014 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 4080

Re: Should I be concerned: auto vs. umbrella insurance

So I talked to both the Allstate and a Traveler's agent today about my questions. It turned out that both of them work the same way: the underlying auto insurance ($250,000/$500,000 for Allstate and $500,000/$500,000 for Traveler's for bodily injury) is essentially the 'deductible' for the $1 millio...
by Statch
Sun May 04, 2014 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 4080

Re: Should I be concerned: auto vs. umbrella insurance

Some (in my experience, most) policies are structured like this: Your umbrella policy is a liability policy with a coverage limit of $1,000,000 and a deductible of $250,000. That's not my experience but does describe the somewhat similar product known as "excess liability" so I think if y...
by Statch
Sun May 04, 2014 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 4080

Re: Should I be concerned: auto vs. umbrella insurance

Thanks to everyone for the responses. It's really helpful to see all the differences, and hopefully this exchange will help someone else who's shopping for umbrella insurance to frame the right questions. I plan to talk to the agent tomorrow, and will report back the results (though obviously that w...
by Statch
Sat May 03, 2014 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 4080

Re: Should I be concerned: auto vs. umbrella insurance

Definitely another option -- good point.
by Statch
Sat May 03, 2014 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 4080

Re: Should I be concerned: auto vs. umbrella insurance

mnvalue, thanks very much for the link. That certainly seems unambiguous. What's odd to me is that they would not offer me $500,000 per person coverage under the auto insurance, even at an additional cost and even though my old insurance did have that. I need to make a visit to the local agent and s...
by Statch
Sat May 03, 2014 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 4080

Re: Should I be concerned: auto vs. umbrella insurance

Coincidentally, I just got the new Allstate umbrella policy in the mail this afternoon. I compared it with the old Traveler's policy and, to be honest, I still really don't understand how it works. The Traveler's policy says that I must have insurance that is "collectible insurance with limits ...
by Statch
Sat May 03, 2014 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 4080

Re: Should I be concerned: auto vs. umbrella insurance

I posted before seeing tfb's response. Now I'm really confused! That was what I had feared - that they were reducing their liability and increasing mine. tfb, can you tell me where to find this information? I can call my agent, but if she gives me mistaken information (since I'm not sure she underst...
by Statch
Sat May 03, 2014 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 4080

Re: Should I be concerned: auto vs. umbrella insurance

Thanks very much to all of you for the reassuring responses. It had worried me that after I carefully confirmed that all the coverages were the same as for our previous policies, they had seemingly changed it on me at the last minute, and that the local agent said she didn't understand it either. I ...
by Statch
Sat May 03, 2014 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 4080

Should I be concerned: auto vs. umbrella insurance

We moved to a new state this year, and as part of the move decided to review all our insurance coverages and look for where we could save money. We contacted several companies, gave them our current coverages, and got quotes. We ended up going with Allstate for auto/home/umbrella. For the auto insur...
by Statch
Sat Apr 19, 2014 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 16250

Re: POLL: why carry cash?

I always carry cash just in case, but almost always use a CC for all purchases, for the cash-back points, budget tracking, and not having to fumble for change. I do miss the days when we used to hoard the change and cash it in for an Amazon gift card to use on books. (I still buy the books but they ...
by Statch
Tue Mar 18, 2014 3:35 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 10457

Re: Amazon Prime Increase

I've done a fair bit of comparison between Amazon prices with Prime shipping and other vendors, and it does appear to me that the Amazon prices are normally higher by the amount of shipping charged by the outside vendor, so that the items end up being the same cost. However, I get two-day shipping (...
by Statch
Thu Mar 06, 2014 8:45 pm
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 5789

Re: How Many Funds Do You Have in Taxable?

I voted two, not thinking that the money market account counted. I have VG Tax-Managed Growth & Income and Tax-Managed Small-Cap. I bought those when I started investing, thinking I might want to adjust my allocation in the future. I later figured out that I was never going to understand enough ...
by Statch
Sun Jan 19, 2014 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Pre-retirement analysis and advice needed
Replies: 15
Views: 1826

Re: Pre-retirement analysis and advice needed

Grateful1, please don't be upset at someone questioning your pension amount. I just retired from the federal government, and I was also surprised by the amount, since your pension alone is almost at the base pay cap for the Senior Executive Service, and pension of course is normally no more than 80%...
by Statch
Sat Jan 04, 2014 6:46 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on books a year?
Replies: 47
Views: 2122

Re: How much do you spend on books a year?

The number has gradually been decreasing, from a high of probably $1000 a few years ago to maybe $350 this year, all ebooks now (except for cookbooks). The good news is that I'm going into retirement with a lot of good so-far-unread books. I've also gotten into borrowing audio and ebooks from the li...

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