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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 7:28 pm
 
Forum: Personal Consumer Issues
Topic: Paperwhite for Cloudy-Day Reading
Replies: 21
Views: 1819

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 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Paperwhite for Cloudy-Day Reading
Replies: 21
Views: 1819

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
Wed Jul 16, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should We Buy a Retirement House Now?
Replies: 11
Views: 1515

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
Mon Jul 14, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 119783

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 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Residence and Care Agreement - Questions
Replies: 30
Views: 2873

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
Sun Jul 13, 2014 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Residence and Care Agreement - Questions
Replies: 30
Views: 2873

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
Sat Jul 12, 2014 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Residence and Care Agreement - Questions
Replies: 30
Views: 2873

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
Mon Jun 09, 2014 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 3101

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
Fri May 16, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 3101

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 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Introduction and my situation
Replies: 16
Views: 1704

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 6:14 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 26191

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
Thu May 15, 2014 8:12 am
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 26191

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
Fri May 09, 2014 5:42 pm
 
Forum: Personal Consumer Issues
Topic: eBook Readers and EPUB files?
Replies: 22
Views: 1286

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
Thu May 08, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: eBook Readers and EPUB files?
Replies: 22
Views: 1286

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 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: Getting Your Retirement Right
Replies: 36
Views: 5205

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
Tue May 06, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 3101

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 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 3101

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
Sun May 04, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 3101

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

Definitely another option -- good point.
by Statch
Sat May 03, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 3101

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 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 3101

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 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 3101

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 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 3101

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 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 3101

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 May 03, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I be concerned: auto vs. umbrella insurance
Replies: 34
Views: 3101

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
Sat Apr 19, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13381

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
Tue Mar 18, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 9142

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
Thu Mar 06, 2014 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 5463

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
Sun Jan 19, 2014 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pre-retirement analysis and advice needed
Replies: 15
Views: 1676

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...
by Statch
Sat Jan 04, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: How much do you spend on books a year?
Replies: 47
Views: 2065

Re: Another state tax question [Moving from MD to GA]

Thanks very much, info_hound! It's very helpful to talk to someone who's moved from Maryland. Unfortunately, it will be a bit of change to Maryland, assuming that they get to tax the payout of my accumulated annual leave, which I'm guessing now that they will.
by Statch
Wed Jan 01, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another state tax question [Moving from MD to GA]
Replies: 10
Views: 416

Re: Another state tax question [Moving from MD to GA]

pshonore: Thanks for the information. At one point I worked in Georgia and lived in South Carolina. It was a bit of a pain for taxes, but at least the rules were clear. I've realized through reading these responses that it actually probably doesn't matter which state I tell payroll to use for the wi...
by Statch
Tue Dec 31, 2013 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another state tax question [Moving from MD to GA]
Replies: 10
Views: 416

Re: Another state tax question [Moving from MD to GA]

sscritic, thanks so much for your answers on this. I think I understand it now. (I actually posted this separately from my other question because I thought it was more generally applicable, but I see now that it's actually very specific to what the tax laws are in Georgia and Maryland, so really onl...
by Statch
Tue Dec 31, 2013 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another state tax question [Moving from MD to GA]
Replies: 10
Views: 416

Re: Another state tax question [Moving from MD to GA]

Ah, at first I thought you weren't understanding my question, but in reading over your answers, I think you're saying that it's not as simple as where I was when I got the money or earned the money, and that it will likely have more to do with percentage of time I spent in each state and calculation...
by Statch
Tue Dec 31, 2013 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another state tax question [Moving from MD to GA]
Replies: 10
Views: 416

Re: State tax mishap

Thanks again to everyone for the answers, which were very helpful. I ended up submitting a payroll form to switch my taxes back to Maryland for that next paycheck so that I won't have problems with my 2014 W2. I called payroll back and they did confirm that they can't retrieve the taxes that were er...
by Statch
Tue Dec 31, 2013 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: State tax mishap
Replies: 8
Views: 904

Another state tax question [Moving from MD to GA]

I recently posted a question about a problem I had with state tax deductions as I prepare to retire: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=128747. I'm in the process of getting that problem fixed (and will post about it there), but in the process, I realized that I may be misunders...
by Statch
Tue Dec 31, 2013 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another state tax question [Moving from MD to GA]
Replies: 10
Views: 416

Re: Got Mom a Kindle Fire HD! Top things I need to show her?

For things specific to the Kindle Fires, show her how to remove things from the Carousel in case it gets annoying for her that every book she reads stays there. (Tap and hold the icon, then select 'remove from Carousel'.) I found bookmarks on the Silk browser to be a little tricky (finding them once...
by Statch
Wed Dec 25, 2013 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Got Mom a Kindle Fire HD! Top things I need to show her?
Replies: 19
Views: 1239

Re: State tax mishap

Thank you! This is the kind of help I was looking for. I need to show this to my husband, who does our taxes, so may be back with more questions. We are definitely going to do it right -- there's never any point in messing with the taxman.
by Statch
Sat Dec 21, 2013 6:50 am
 
Forum: Personal Finance (Not Investing)
Topic: State tax mishap
Replies: 8
Views: 904

Re: State tax mishap

It's the last two before I move to Georgia. One final paycheck will get paid out after I move, then I'll get the payout of my annual leave while I'm in Georgia as well. So the plan was to have Maryland tax withheld for these two paychecks, then switch to GA withholding for the final paycheck and the...
by Statch
Fri Dec 20, 2013 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: State tax mishap
Replies: 8
Views: 904

State tax mishap

I'm retiring on January 3d from a federal agency. I live in Maryland now, and will be moving to Georgia the week after I retire. Last week I submitted a state withholding change form to payroll with a note asking them not to apply it until the first paycheck that will be paid after I move. Unfortuna...
by Statch
Fri Dec 20, 2013 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: State tax mishap
Replies: 8
Views: 904

Re: What do early retirees actually do in Florida?

I'm retiring in a few weeks and moving from a 55+ community in Maryland to a 'regular' golf course community on the Georgia coast (Golden Isles area). There aren't many 55+ communities where we're moving, but we like the one we're in now, and find it inspiring rather than depressing. A lot of these ...
by Statch
Mon Dec 09, 2013 6:58 pm
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 13987

Re: If you were retired, how would you spend your time?

This is a great thread. I'm retiring at the end of the year, and am a little anxious about it, so it's good to hear people are actually doing the things I plan on doing. :happy Some things I'll do more of, and whenever I want, like cooking from scratch (and eating more healthily), reading, quilting/...
by Statch
Mon Nov 11, 2013 6:07 pm
 
Forum: Personal Consumer Issues
Topic: If you were retired, how would you spend your time?
Replies: 90
Views: 7270

Re: Taxable account for dummies and newbies

A long thread is pretty much guaranteed anytime someone asks about a choice where it makes very little difference what decision is made.


dbr, this is a great way to put it!
by Statch
Wed Jul 24, 2013 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account for dummies and newbies
Replies: 14
Views: 1206

Re: Taxable account for dummies and newbies

Finally something I can weigh in on, as a completely unknowledgeable investor who's been doing it for about 20 years! My taxable account is in Vanguard index funds and I-bonds. Vanguard keeps track of it all for you. Every year they send us our tax information, and we enter it into the proper box on...
by Statch
Wed Jul 24, 2013 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account for dummies and newbies
Replies: 14
Views: 1206

Re: State tax breaks for age -- but we're different ages

I looked up the comment I was thinking of from the retirement seminar about doing a back-door Roth from TSP: the guy was talking about doing that via the voluntary contribution program, which I can't do because I owe a redeposit (long story - I've had the redeposit calculated several times and it's ...
by Statch
Tue Jul 23, 2013 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: State tax breaks for age -- but we're different ages
Replies: 17
Views: 946

Re: State tax breaks for age -- but we're different ages

Thanks very much, archbish99. Unfortunately the federal pension does complicate it because it is CSRS (actually CSRS-offset, so I will collect SS but it will be offset from my pension). I'm the higher earner -- my husband has been a stay-at-home husband for years, which is how he has that traditiona...
by Statch
Tue Jul 23, 2013 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: State tax breaks for age -- but we're different ages
Replies: 17
Views: 946

Re: State tax breaks for age -- but we're different ages

Great idea on the 5-year plan. I've set aside cash so that we don't need to withdraw from investments for 5 years (while we figure out what our true expenses are, then hopefully some of that can be returned to investments), but I really need to sit down and learn about this/plan it out in case it wo...
by Statch
Tue Jul 23, 2013 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: State tax breaks for age -- but we're different ages
Replies: 17
Views: 946

Re: State tax breaks for age -- but we're different ages

Bob's not my name, thanks for the warning. I had been sitting here thinking also that if I go to someone here in Maryland with my questions, not only will s/he not be an expert in GA tax law -- which won't matter this year but will matter for longer-term advice -- but s/he will also realize that I'l...
by Statch
Mon Jul 22, 2013 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: State tax breaks for age -- but we're different ages
Replies: 17
Views: 946

Re: State tax breaks for age -- but we're different ages

Sorry, I had to step away from the computer for a few minutes -- you all are fast! I feel silly for missing this line in the instructions, which does answer the question about our joint taxable account's income: " If any item is held jointly, the income or loss should be allocated to each taxpa...
by Statch
Mon Jul 22, 2013 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: State tax breaks for age -- but we're different ages
Replies: 17
Views: 946

State tax breaks for age -- but we're different ages

I am 55 and retiring at the end of the year. I will have a federal pension. My husband is 60, and already not working but will not start getting retirement income until (if) he takes SS at age 62. At that time we'll be living in a state (Georgia) that allows taxpayers between 62 and 64 to exclude up...
by Statch
Mon Jul 22, 2013 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: State tax breaks for age -- but we're different ages
Replies: 17
Views: 946

Re: Paper versus e-Reader

Goodwill takes used books. I took a bunch of books there during the last move when I realized I'm too old to be packing/unpacking all these books. I'm an ebook convert from several years back. I love, love, love my Kindle Paperwhite. (I thought I'd never give up my Kindle Keyboard, but the backlit e...
by Statch
Mon Jul 22, 2013 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Paper versus e-Reader
Replies: 60
Views: 4028
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