Search found 1392 matches

by HIinvestor
Sat Feb 17, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 35
Views: 1955

Re: Cell phone service

So much depends on usage. We travel but mostly to large cities. We get poor coverage when we are in National parks, but we don’t go there to be on our phones anyway, so we are fine with that. Our S and D use lots of data, so we like the unlimited no throttle data we get from T-Mobile we are ok with ...
by HIinvestor
Fri Feb 16, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 19
Views: 1141

Re: Signed up for American Express - "Premium" car rental insurance

We have Chase Sapphire Preferred with free CDW rental. We have made a claim because thieves broke rear hatchback window and got full refund of amount we paid, no fuss. That alone paid for several years of the $95/year annual fee.
by HIinvestor
Tue Feb 13, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant not doing taxes while you are there
Replies: 21
Views: 2112

Re: Accountant not doing taxes while you are there

Our CPAs all have us discuss our documents during our appointment with them and then call us up to pick up the documents and provide any checks and sign anything that needs a signature sometime in April before taxes (or extension) are due. I haven't had any of our preparers do our returns while we a...
by HIinvestor
Fri Feb 09, 2018 3:05 am
Forum: Personal Consumer Issues
Topic: Best Valentines Day Gift
Replies: 12
Views: 1779

Re: Best Valentines Day Gift

Time together
2nd best is sending a loved one yummy munchies they live and can’t buy where they live (sent them to each Uc my kids)
by HIinvestor
Thu Feb 08, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 223
Views: 13552

Re: free dinner investing seminar

H and I invited our neighbors to one of these presentations which was held at a nice hotel. If I recall it was a pitch from Ameriprise. None of us was interested or could really figure out exactly what was being sold. My neighbor won the drawing for a free AmEx gift card for $50 it $100. We never go...
by HIinvestor
Wed Feb 07, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Niagara falls US side
Replies: 27
Views: 1600

Re: Niagara falls US side

A few years ago, we spent a week at Niagra Falls. Most of our time was spent on the Canadian side, which was safe and pretty. We stayed at a very reasonably-priced Hilton Garden Inn. We also spent some time at Niagra on the Lake, which is a short drive from the Canadian Niagra Falls. We all brought ...
by HIinvestor
Wed Feb 07, 2018 2:32 am
Forum: Personal Consumer Issues
Topic: Visiting SAN FRANCISCO
Replies: 31
Views: 2104

Re: Visiting SAN FRANCISCO

If you like Irish Coffee, Buena Vista near Fisherman’s Wharf and Ghiradelli’s Square is where it all started. I can never get enough of Muir Woods but have not tried the reservations system. Clement Street on the Avenues also has Chinese and Vietnamese food with street parking.
by HIinvestor
Tue Feb 06, 2018 4:21 am
Forum: Personal Consumer Issues
Topic: Vacation options for wide age-range of children?
Replies: 26
Views: 1502

Re: Vacation options for wide age-range of children?

Yellowstone is lovely but you have to hustle if you want reservations in the park. If you want to stay near the entrance in Gardiner, Absorka Lodge has a lot of rustic cabins and a store and restaurants. You can get picked up and have a private tour with your own private guide with Yellowstone Assoc...
by HIinvestor
Tue Feb 06, 2018 4:13 am
Forum: Personal Finance (Not Investing)
Topic: Considering solar on my home
Replies: 18
Views: 1564

Re: Considering solar on my home

We have about 9 panels on our roof. When we installed photovoltaic, we were told by the company we bought the system from that it would only be $500 to take off the panels and inverters and put them back on a new roof. Other areas and more panels may have different pricing.
by HIinvestor
Mon Feb 05, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 65
Views: 5076

Re: Washer/Dryer longevity ?

So much depends on what's wrong. When our 20+ year old dryer abruptly stopped working, we called in the appliance repair guy and he said that honestly he thinks that my old Maytag washer and dryer (both purchased in 1988 or so) are better than anything currently on the market. He repaired it (replac...
by HIinvestor
Sun Feb 04, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do you live on a budget?
Replies: 65
Views: 3348

Re: Do you live on a budget?

Actually have never had a budget. We did toy with it a few times but never got serious about it and never even stuck with quicken more than a month or few trying to log expenses and categorize. We live below our means and have more than we will likely spend in our lifetimes. When I was a student, FA...
by HIinvestor
Sun Feb 04, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: T-Mobile Coverage in Rural Areas
Replies: 31
Views: 1095

Re: T-Mobile Coverage in Rural Areas

We started with the $60 for 2 line plan shortly after it was announced and have been very pleased with it. When we are going to rural areas, you can download a map if you know you will be in areas with spotty cell coverage. We did that for Glacier National Park and other similar areas. Yes the $60 f...
by HIinvestor
Fri Feb 02, 2018 4:09 am
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 35
Views: 2927

Re: Best Movies of 2017

The Post was well done and we enjoyed it
Loved Wonder Woman
by HIinvestor
Wed Jan 31, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: How to ship two big tubs of butter internationally?
Replies: 43
Views: 3391

Re: How to ship two big tubs of butter internationally?

Fruit butters that I’ve had over the years are sold in glass jars at room temperature at nearly all stores. As long as the jar hasn’t been opened, I don’t see any need to refrigerate as the instructions say, “ refrigerate after opening. I’d pack well in bubble wrap and send at room temperature.
by HIinvestor
Wed Jan 31, 2018 11:28 pm
Forum: Personal Consumer Issues
Topic: Travel Insurance...Is it worth it?
Replies: 16
Views: 1287

Re: Travel Insurance...Is it worth it?

Agree—read the proposed policy carefully. What is covered, excluded, amounts, who decides, etc. Pre-existing conditions was an important issue for me and what is a reimbursable reason for cancelling? Also shop around to see whether another policy may better meet your needs and price point. I have mo...
by HIinvestor
Wed Jan 31, 2018 3:03 am
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16206

Re: Dear wife quits job and now we are down to 1 income

Your W leaving her job and you having a new baby are qualifying events so you should be able to add both to YOUR health plan ASAP. Talk with your HR. Not having insurance can be a great way to blow a huge hole in your savings and budget--it's amazing how much any condition or hospitalization can cos...
by HIinvestor
Wed Jan 31, 2018 2:57 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone negotiated a medical bill to see a specialist?
Replies: 19
Views: 1517

Re: Has anyone negotiated a medical bill to see a specialist?

I'd warn OP that if you balk after seeing him over the bill, the specialist may not be willing to continue to follow your case and have additional consultations. Good specialists are priceless, IMHO. We try to keep the ones we find that help us optimize our health. Haggling over the fee is not condu...
by HIinvestor
Wed Jan 31, 2018 2:50 am
Forum: Personal Consumer Issues
Topic: Frequent Flier Miles 101
Replies: 53
Views: 4514

Re: Frequent Flier Miles 101

Personally, I like cashback. I also like bonus rewards signing bonuses when they are convenient. I have settled on the USAA 2.5% cashback plus H likes the United Explorer card (free checked suitcase) & free travel insurance and also the Chase Sapphire card for free travel insurance as well, plus the...
by HIinvestor
Tue Jan 30, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: "I Volunteered for the Hospital Board and was Sued for Millions."
Replies: 44
Views: 10307

Re: "I Volunteered for the Hospital Board and was Sued for Millions."

If your organization has insurance, be sure it is occurrence policy so it covers you if the event occurs during the time period of the policy. Other policies are really not worth much and only covers if the suit is brought during the term of the policy. These types of policies require you to buy a “...
by HIinvestor
Tue Jan 30, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone negotiated a medical bill to see a specialist?
Replies: 19
Views: 1517

Re: Has anyone negotiated a medical bill to see a specialist?

So much depends on how long you will be spending with the specialist and how long the specialist will spend reviewing your records and whether he/she will keep in touch after the consultation. I have seen a lot of specialists over the years. Most spend at least an hour with me at the appointment, pl...
by HIinvestor
Mon Jan 29, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: what do/did you do with your evenings with a Toddler in winters ?
Replies: 63
Views: 3892

Re: what do/did you do with your evenings with a Toddler in winters ?

Our aquarium is great—as a parent you can sit at one end of the exhibits while your kiddos explore the aisle and then return to you. Our kids also liked museums that had kid-interactive exhibits. I just got some mega-blocks from CVS that come with a wagon that scoops them up as you pull it for littl...
by HIinvestor
Mon Jan 29, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 206
Views: 15148

Re: Federal Retiree Health Care with/Medicare

We also view having Medicare A&B and FEHB as peace of mind. No one knows if and when the FEHB may be changed for retired federal employees and don’t want to get socked with big lifetime penalty for buying B later when there are any changes to FEHB retiree coverage and annuitant charge of premium. Al...
by HIinvestor
Mon Jan 29, 2018 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Demonstrating creditworthiness
Replies: 11
Views: 809

Re: Demonstrating creditworthiness

We got a Home Equity Line of Credit (HELOC) because we were advised it was easier to do this while H was employed than when he retired. For some reason lenders preferred he had income rather than a guaranteed pension with COLA. In any case, we did that, but have never drawn on it nor been charged a ...
by HIinvestor
Sun Jan 28, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8477

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I got the battery on my 6s replaced today at the Apple store. Had an appointment. The ‘genius’ ran a few scans, had me pay $.99/mo for another 50GB memory on iCloud, back up my phone and then come back in 3 hours after they installed the battery. I figure I should be able to have my phone last anoth...
by HIinvestor
Sun Jan 28, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: How much have kids added to your personal finance/expenses?
Replies: 111
Views: 8161

Re: How much have kids added to your personal finance/expenses?

No one knows whether they OR their kids will have a chronic health condition and how that will also affect finances. That can easily throw a huge wrench in any plans you make, though of course planning and living below your means is good and will give you a cushion to weather what comes your way. IF...
by HIinvestor
Sat Jan 27, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Survivor worries . . .
Replies: 14
Views: 2087

Re: Survivor worries . . .

My H is 15 years older than I am. I have been handling our finances for most of the decades of our marriage. I also call on folks and hire them when there is maintenance H doesn’t want to or is unable to do. I expect I will hire more contractors as we age and we and our neighbors plan to age in plac...
by HIinvestor
Sat Jan 27, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Renting out current home to rent elsewhere...thoughts?
Replies: 7
Views: 641

Re: Renting out current home to rent elsewhere...thoughts?

Also it may be good to get your equity out. The character of the neighborhood may change, your needs and desires and that of your spouse and child(ren) will likelyvalso change.

I’d seriously prefer selling and then renting or buying where you want to live.
by HIinvestor
Sat Jan 27, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: keep the TSP or transfer to Schwab?
Replies: 8
Views: 782

Re: keep the TSP or transfer to Schwab?

When TSP reveals their new rules and options in the near future, we can I’ll carefully consider them. For now, TSP is part of our big portfolio—the bond portion. It would be upsetting if our kids had to withdraw whatever TSP balance we have all in one lump sum after the 2nd to die (likely me). Hopef...
by HIinvestor
Sat Jan 27, 2018 5:50 pm
Forum: Investing - Theory, News & General
Topic: How do you know much retirement income is needed?
Replies: 53
Views: 3761

Re: How do you know much retirement income is needed?

Really, you have to decide if you’re going to be doing the same things or more expensive things after retirement. We are traveling much more now than before. We have room in our budget for that. If you don’t, you will have to either not travel or find other areas to cut or figure out how to travel i...
by HIinvestor
Sat Jan 27, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Renting out current home to rent elsewhere...thoughts?
Replies: 7
Views: 641

Re: Renting out current home to rent elsewhere...thoughts?

Actually the mortgage rate you get was probably for owner-occupied, which is a lower rate than investor loans because risks of default and foreclosure are lower. Some folks have had positive experiences renting, some have had negative and others have had mixed. If you do decide to rent it out, be su...
by HIinvestor
Sat Jan 27, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to get a business credit card?
Replies: 25
Views: 1433

Re: Does it make sense to get a business credit card?

Capitol One Spark Business Visa is $59/year and 2% cash back. It has been a good card for us and we get back way more than the 2% every year. It comes with extended warranty protection and a lot more.
by HIinvestor
Sat Jan 27, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: keep the TSP or transfer to Schwab?
Replies: 8
Views: 782

Re: keep the TSP or transfer to Schwab?

We have kept H’s TSP there and it has done fine in the G fund, which is what the bulk is invested in. One if the drawbacks for us is that you have to use their tables for required Minimum Distribution, which only considers the age of the employ instead of also considering younger spouse’s age. This ...
by HIinvestor
Sat Jan 27, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: How do you know much retirement income is needed?
Replies: 53
Views: 3761

Re: How do you know much retirement income is needed?

How much “extra” folks want/need to include in their calculations depends on a lot of factors, none of which are commonly covered by insurance including: 1. Do they have loved ones who do or may need financial assistance, now or in the future? 2. Do they want to help pay for wedding if their kids? H...
by HIinvestor
Sat Jan 27, 2018 1:31 pm
Forum: Investing - Theory, News & General
Topic: How do you know much retirement income is needed?
Replies: 53
Views: 3761

Re: How do you know much retirement income is needed?

Here’s one of many calculators to help you figure this out: https://www.kiplinger.com/tool/retirement/T047-S001-retirement-savings-calculator-how-much-money-do-i/index.php For us, I kept track of our normal spending fit about 2 years before we retired. I then estimated things that would change upon ...
by HIinvestor
Fri Jan 26, 2018 4:26 am
Forum: Personal Finance (Not Investing)
Topic: What kind of skilled casual work is out there (US)?
Replies: 24
Views: 2563

Re: What kind of skilled casual work is out there (US)?

I’ve never heard of many employers who are fine with employees coming in when they feel like it and taking as frequent and long vacations as they choose. If one owns the company, I suppose one could have more control over hours and vacations but most jobs aren’t created that way. Where have you live...
by HIinvestor
Fri Jan 26, 2018 4:21 am
Forum: Personal Consumer Issues
Topic: Your favorite beach vacation destination?
Replies: 64
Views: 5126

Re: Your favorite beach vacation destination?

Our entire state of HI has all the beaches you could wish for!
by HIinvestor
Fri Jan 26, 2018 3:03 am
Forum: Personal Consumer Issues
Topic: Pizza delivery asked for security code on my credit card with order
Replies: 50
Views: 5140

Re: Pizza delivery asked for security code on my credit card with order

I am asked for and provide my CC security code most times when I use my CC on the phone, eg to pay medical bills, place orders, etc. Knock wood, but have rarely had folks place fraudulent charges on our cards. When it’s happened, we have reported it immediately and the Ccard company rushes us new ca...
by HIinvestor
Thu Jan 25, 2018 4:54 am
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8477

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

This thread moved me to make an appointment to get my 6s battery replaced Sunday at our nearby Apple store. That should make help my phone function much better. I’m glad the price will be $29–much better than $79+ they normally charge.
by HIinvestor
Wed Jan 24, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8477

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I like fingerprint ID of the iphone 6s but wish it was easier to change your own iPhone battery. I will get a new battery installed before end of 2018 from Apple store for $29 and expect it will last until they stop updating/patching. I don’t do anything financial on my phones.
by HIinvestor
Wed Jan 24, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16206

Re: Dear wife quits job and now we are down to 1 income

Your spouse can also consider whether there is anything she may want to do part time to help bring in income—rent a room in your home, watch another child or two, do some contracting work to bring in money and stay in her field, sell items online it at craft fairs, etc. I’d try to keep contributing ...
by HIinvestor
Tue Jan 23, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 61
Views: 5102

Re: Which tropical Island to Retire to ?

I agree that renting for a long time (a year or more is good) before you seriously think about buying is always a good idea. I’d want to be fluent in whatever language I’d spoken and not feel I need bodyguards or live in a walled compound. I’d also want to be conveniently near major airports.
by HIinvestor
Tue Jan 23, 2018 4:25 am
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 95
Views: 8075

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

Agree that what transitioning from full-time work tobretiren NR, it’s useful to have a cash or checking ng account cushion to tide you over until all hiccups and finances are smoothed our. This can take weeks or months.
by HIinvestor
Mon Jan 22, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Going to one income-seeking testimonials
Replies: 97
Views: 4672

Re: Going to one income-seeking testimonials

I think it's very important for the spouse staying at home (in your case W) to try to keep herself networking and working at least part-time to keep options open if and when she wants (or has) to go back to work for financial or any other reason. Totally staying out of the job market will leave a ga...
by HIinvestor
Mon Jan 22, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of living comparison (HCOL vs LCOL)
Replies: 85
Views: 5920

Re: Cost of living comparison (HCOL vs LCOL)

Our neighbors contemplated moving from our HCOL area to another HCOL area with significant salary increase. Ultimately, after researching extensively they opted to remain here instead as they didn’t want to force their kids to change schools, move far from family & friends and the bump in salary was...
by HIinvestor
Mon Jan 22, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Help Me Spend $900.00 Unused FSA Dollars
Replies: 42
Views: 2882

Re: Help Me Spend $900.00 Unused FSA Dollars

Custom orthotics and inserts for your footwear can run up quickly, as can allergy control barriers for bedding. We have allergy control barriers on all beds and pillows in our house as we are ALL allergic and it has made a world of difference. HEPA air cleaners have also made a huge difference and y...
by HIinvestor
Mon Jan 22, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 162
Views: 17332

Re: How to Minimize Your Emergency Care Expenses

True—when I had approached or reached OOP max, I’d mention that and no copay would be sought or paid so I didn’t have to get a refund check. Some years we’d reach OOP max by mid-year. Sometimes we’d just get refund checks from insurer or providers if we paid copays after hitting OOP max. It worked o...
by HIinvestor
Mon Jan 22, 2018 5:03 am
Forum: Personal Consumer Issues
Topic: Passport renewal and usage- what's the scoop?
Replies: 33
Views: 2868

Re: Passport renewal and usage- what's the scoop?

The passport card is only an extra $10 IIRC if you get it with the passport, I believe. H got one and I didn’t. Our state’s driver’s license should be sufficient as we meet the real ID requirements. I have only heard of problems if your passport isn’t valid for at least 6 months past your stay out o...
by HIinvestor
Mon Jan 22, 2018 4:25 am
Forum: Investing - Help with Personal Investments
Topic: Should I buy a business or suck it up at a job(s) with a pension.
Replies: 82
Views: 5922

Re: Should I buy a business or suck it up at a job(s) with a pension.

Headline in our paper this morning was an estimate that a family of 4 will be owing over $40,000/year in health insurance premiums if some significant changes aren’t made to reduce healthcare costs in the near future—yikes! Sounds like opinions here are unanimous to nix the car wash and make changes...
by HIinvestor
Mon Jan 22, 2018 3:12 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 162
Views: 17332

Re: How to Minimize Your Emergency Care Expenses

In general, my insurer has a contract with providers that I am only supposed to pay the copay balance AFTER receiving EOB statement. As a practical matter, I will often offer to pay my regular fixed $15 copay for office visits to simplify things and reduce invoices sent to me. When visit is to a pro...
by HIinvestor
Mon Jan 22, 2018 2:13 am
Forum: Personal Finance (Not Investing)
Topic: Going to one income-seeking testimonials
Replies: 97
Views: 4672

Re: Going to one income-seeking testimonials

For our family it gave us a lot of flexibility to keep our expenses low enough so we could live on primarily one income. I was able to do a bit of contracting work part-time and eventually work up to more hours and other part time and full time work, depending on our family’s financial needs as well...