Search found 84 matches

Return to advanced search

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
Thu Oct 23, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6778

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
Mon Oct 20, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6837

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
Sun Oct 19, 2014 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 3009

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
Thu Oct 02, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being older/younger in class -- benefits, issues?
Replies: 113
Views: 9007

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
Fri Sep 12, 2014 5:29 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 228
Views: 21603

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
Wed Aug 27, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: vacation destinations similar to Savannah or Charleston SC
Replies: 28
Views: 2240

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
Mon Aug 18, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Preparing to retire checklist
Replies: 100
Views: 11016

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 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of Medical Records
Replies: 16
Views: 1093

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 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was Underestimated\Overestimated in Retirement
Replies: 48
Views: 4818

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 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Moving after retirement.
Replies: 43
Views: 4514

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
Sun Aug 17, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3415

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
Sat Aug 09, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5425

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
Tue Aug 05, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Budget Out of Control
Replies: 47
Views: 3751

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: 1890

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: 1890

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: 1601

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: 143191

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: 3067

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: 3067

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: 3067

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: 3387

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: 3387

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: 1733

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: 26937

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: 26937

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: 1384

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: 1384

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: 5286

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: 3387

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: 3387

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: 3387

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: 3387

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: 3387

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: 3387

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: 3387

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: 3387

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: 3387

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: 14101

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: 9547

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: 5525

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: 1725

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: 2073

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: 438

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: 438

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: 438

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: 438

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: 954

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: 438

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: 1263

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: 954
Next

Return to advanced search