Search found 1231 matches

by HIinvestor
Fri Nov 24, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Any BLACK FRIDAY deals for Bogleheads?
Replies: 23
Views: 2825

Re: Any BLACK FRIDAY deals for Bogleheads?

Bought cashmere cardigans from Lands End for 50% off, plus used eBates and my USAA cashback credit card for more discounts. I have heard/read that these are good quality and do not pill.
by HIinvestor
Fri Nov 24, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 67
Views: 4555

Re: Regrets for taking SS at 62 or waiting?

My folks are 88 and nearly 93, but I was diagnosed with a progressive chronic illness when I was 40. Currently, we have no need for SS and would just invest it. We get a pension from H’s employer that more than covers our expenses (including significant travel). H is significantly older than I—when ...
by HIinvestor
Fri Nov 24, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Cell Phone "family plans" Sprint for 4
Replies: 7
Views: 316

Re: Cell Phone "family plans" Sprint for 4

As far as I know, the T-Mobile plan has no limits on the hotspot use or tethering. The Sprint plan appears to limit hotspot to 10gb. Hotspot is an important feature for S and may also be for D. We have better T-Mobile reception than Sprint.
by HIinvestor
Fri Nov 24, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Any need for professional tax preparer?
Replies: 13
Views: 1136

Re: Any need for professional tax preparer?

Professional tax preparers are useful when one has real estate and a business but not really for uncomplicated tax returns like yours. Even folks with real estate and running their own business are fine with doing their own taxes if they are fairly organized (my relative does his own returns and is ...
by HIinvestor
Fri Nov 24, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: Cell Phone "family plans" Sprint for 4
Replies: 7
Views: 316

Re: Cell Phone "family plans" Sprint for 4

It's the best deal we've found that is all inclusive and has no limits and no throttling, plus no excess charges. So far, we've been very happy. Taxes and fees have a way of constantly increasing, so we are pleased that it's $60 with no extra add-ons. It's supposed to be good "forever" and you pre-p...
by HIinvestor
Fri Nov 24, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Cell Phone "family plans" Sprint for 4
Replies: 7
Views: 316

Re: Cell Phone "family plans" Sprint for 4

We have a 2 line plan on T-Mobile for $60 including ALL fees and taxes, unlimited text, data and talking, plus some international texting and data at no extra charge. You have to have at least one person on the plan age 55 or older. I have a plan with D and H has a plan with S. It's the cheapest all...
by HIinvestor
Tue Nov 21, 2017 3:04 am
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 5939

Re: Drive it till it dies. It died.

My Toyota van had transmission problems just before my extended warranty that I purchased from the dealer expired. It was only 55 months old and had only about 50,000 miles on it. The dealer wanted to charge me for “cleaning” and other nonsense but I pointed out that under the bumper to bumper warra...
by HIinvestor
Tue Nov 21, 2017 12:23 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 26
Views: 2331

Re: Trip to Hawaii - what do I need to know

Try reading Fodors.com, especially the forum where folks post about their experiences. One way you could see the state is via a cruise between the islands that lasts a week and docks at each island. Island hopping by plane and not spending much time in any place is tiring. Traffic, especially on Oah...
by HIinvestor
Mon Nov 20, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 122
Views: 7627

Re: What are the things you want to do between 55 and 65?

I have been working part-time since my kids graduated from college and I was in my early 50s. I'm very happy and can work as much or as little as I choose. We travel as much or as little as we choose as well. We have more than enough money to do what we want, when we want it. I'm happy and so is H, ...
by HIinvestor
Mon Nov 20, 2017 3:07 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 13062

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Credit cards offer important protections at no extra charge, depending on the card. Thus may include travel insurance, extended warranty, loss protection, damage protection, car rental insurance and more. I’ve gotten back over $1000 in cash back every year, plus some free airline trips and more. I’v...
by HIinvestor
Sun Nov 19, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 13062

Re: Dave Ramsey says don't use credit cards, even if you pay them off

When I was on a tight budget I used to only spend cash plus ocasional checks. I also wrote down every dime I spent. That was my method primarily until I was done with undergrad and grad school. Toward the end of grad school, I also acquired a CC or two which I paid off in full every month. Once I gr...
by HIinvestor
Sun Nov 19, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 5489

Re: How much do you budget for vacation?

Honestly we don’t budget and never have, tho we live well below our annual income. We take about 4 or more trips a year that last 1-3+ weeks. Sometimes my airfare is covered, sometimes a night or more of hotel is covered, more often it is all on our own dime but airfare is rarely more than $1000/per...
by HIinvestor
Sat Nov 18, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 27
Views: 2751

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

I’m so sorry you’ve had a problem. I’ve never had issues and all 4 in our family have been getting glasses there regularly for the past few decades. When we are not happy, we get a full refund, no hassles. I’m surprised you are having difficulty and would ask to speak with the manager of the optical...
by HIinvestor
Sat Nov 18, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Southeast Asia trip - Cash handling
Replies: 19
Views: 1281

Re: Southeast Asia trip - Cash handling

Schwab reimbursed for ATM fees and has no foreign transaction fees if you use their debit card with your Schwab checking account. It can be handy to have a debit card to get cash from ATMs as needed. I prefer that to carrying significant amounts of cash, personally.
by HIinvestor
Sat Nov 18, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 9700

Re: Retirees: I got this!!

H retired 5 years ago. I’m working part-time and am VERY happy with what I do in the nonprofit I started and larger role I’m taking in the national nonprofit I’ve been volunteering in. When the kids were in college, I was more active about pursing funding so I could help pay their expenses and tuiti...
by HIinvestor
Wed Nov 15, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Regrets after reaching retirement?
Replies: 42
Views: 4321

Re: Regrets after reaching retirement?

We have been very happy so far. I quit work shortly after S was born so I could stay home and raise him and D. We lived below our budget and always tried to go with H when he traveled. We treasured our family trips. Once our kids were older, I went back to work part time to help build our savings an...
by HIinvestor
Wed Nov 15, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4516

Re: Fair way to split expenses?

Agree with the others that being on the same page is so important and I'm sorry this is a continuing issue for you. Would it be useful to divide expenses up--those you mutually agree upon and for both of you (food, shelter, transportation, insurance, taxes, retirement, savings) and then each of you ...
by HIinvestor
Sat Nov 11, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 150
Views: 9478

Re: Federal Retiree Health Care with/Medicare

The Tammy Flannagan article I found didn’t talk about Medicare B, just FEHB and is here. http://m.govexec.com/pay-benefits/retirement-planning/2017/11/what-you-need-know-about-your-health-insurance-choices/142433/ For now, we are still most comfortable paying for both FEHB PPO family plan and Medica...
by HIinvestor
Thu Nov 09, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: What is a reasonable emergency fund for HI family?
Replies: 67
Views: 3780

Re: What is a reasonable emergency fund for HI family?

Another factor is that for folks near retirement age, the size of the emergency fund may be lower if a pension starts once employment ends, AND if there is health insurance at least partly covered by emoloyer in retirement.

To me, it really depends on the fixed spending of the individuals involved.
by HIinvestor
Thu Nov 09, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 36498

Re: Did you tell anyone you paid off your mortgage?

I will admit I was jealous of a friend who had no mortgage or housing costs when we were paying a large chunk of our take home pay towards our mortgage. I also admit that since I handle most of our household finances, H didn’t know we had paid off the kortgage until I told him (pre-paid an extra $50...
by HIinvestor
Thu Nov 09, 2017 2:44 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 36498

Re: Did you tell anyone you paid off your mortgage?

We told our adult kids when we paid off the house AND all their tuition and ed expenses before H retired. We told them not to worry about having to support us in our old age. :) I believe it may have come up in a conversation with my folks and perhaps my brother but we have not mentioned it to many ...
by HIinvestor
Thu Nov 09, 2017 1:54 am
Forum: Personal Finance (Not Investing)
Topic: Equity Line Of Credit ??.......
Replies: 16
Views: 1346

Re: Equity Line Of Credit ??.......

I’d ask about any annual charges or fees and anything you have to pay AT ALL. We got one about 5 years ago because we wanted to help the teller whom I assume had a quota of them to open. We have NEVER used it to date and have not paid a penny in fees ever, including when we opened it or annually for...
by HIinvestor
Tue Nov 07, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5348

Re: Eye Doctor $30 to get your Rx? Is this normal?

We have never paid an extra fee to get written prescriptions for contacts of glasses when we got to any optometrist or ophthalmologist, and between the 4 of us, we all need glasses and 3 of us also have worn contacts at various times. Please let us know how the complaint is resolved.
by HIinvestor
Tue Nov 07, 2017 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity Alternative
Replies: 54
Views: 2319

Re: Annuity Alternative

We gave our relative a significant business "loan," but it ended up being a gift and we didn't get any interest payments. We don't plan to repeat that again. The relative has LOTS of income and assets and we are OK with how it worked out, but it never generated cash flow for us.
by HIinvestor
Tue Nov 07, 2017 10:07 pm
Forum: Investing - Theory, News & General
Topic: The average American retiree household
Replies: 57
Views: 10742

Re: The average American retiree household

There would be a strong incentive to work as long as one could with finances as described in this thread, either full time or at least part time to have more disposable income and perhaps some benefits. The retirees I know definitely do NOT fit the profile in the thread and are MUCH more financially...
by HIinvestor
Tue Nov 07, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 151
Views: 12763

Re: How old are you and how much do you save for retirement a year

Agree that each person can only do the best s/he can. Folks find themselves in very different circumstances, depending on birth, debts, medical insurance (or lack of it), education, income, obligations, etc. Some are able to have a full-time and part-time job and save from both while others can bare...
by HIinvestor
Tue Nov 07, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth it to graduate 1 semester sooner if it costs MORE?
Replies: 9
Views: 741

Re: Is it worth it to graduate 1 semester sooner if it costs MORE?

Congrats on all your hard work. I’m sure either decision would work for you and you will make the one that works for you. It sounds like you’re currently maxed out and adding something to your already heavy load may not be the best idea. Hopefully your bachelors degree may give you more opportunitie...
by HIinvestor
Sat Nov 04, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Future Fed: Autism, Insurance, and the cost of ABA Therapy
Replies: 25
Views: 2229

Re: Future Fed: Autism, Insurance, and the cost of ABA Therapy

H was a federal employee for 45 years. Our state BCBS plan has no deductible and max out of pocket costs of $3000/person and $9000/family. It’s a great plan and even provides out of state coverage and has reasonable premiums. I’d look carefully at ALL the plans available to you and choose your plan ...
by HIinvestor
Sat Nov 04, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: No true pay as you go [cellphone plan]
Replies: 63
Views: 5198

Re: No true pay as you go [cellphone plan]

I have a legacy T-Mobile plan that is $100 which lasts a year or longer and I can refill it after 365 days for $10 or more and it rolls the minutes over due another 365 Days. Each minute ir text is $.10.

I have no data. It works well for our very modest needs for our nonprofit organization.
by HIinvestor
Sat Nov 04, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Children's money?
Replies: 26
Views: 2730

Re: Children's money?

I bought S a state zero coupon bond purchased at discount rate with 9% interest—$2500 which matured to $10,000 when he was ready to start college.

The rest we put in index funds but toon out some years before we would need them for college.
by HIinvestor
Mon Oct 30, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: Megabus from New York City to Washington DC
Replies: 23
Views: 1547

Re: Megabus from New York City to Washington DC

Our D had caught Megabus and BoltBus between LA and SF. She generally books very close to travel date. So it is $20-30 each way. She hasn’t had many complaints about it so far. They use Greyhound terminals.
by HIinvestor
Mon Oct 30, 2017 1:17 am
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 97
Views: 7185

Re: Is it difficult to switch from an iPhone to an Android?

Well, as usual there is a wealth of opinions. Our family all had iphone 5 as our 1st smart phone. A few years later, we all switched to OnePlus One, an android. Since then, S has switched back with me to IPhone 6s and D and H have stuck with One Plus phones 3 and 3s. It’s all personal preference. To...
by HIinvestor
Sun Oct 29, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: When the cold wind comes, I go where the dahlias bloom
Replies: 32
Views: 2568

Re: When the cold wind comes, I go where the dahlias bloom

HI is very high COL, but it is where we live. We just go on trips to visit people and places, not due to weather (tho we do keep weather in mind when making travel plans). Another issue some of us need to be concerned with, especially as we age is healthcare and providers. I like to be able to get i...
by HIinvestor
Fri Oct 27, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: RMD distribution timing
Replies: 32
Views: 2504

Re: RMD distribution timing

We generally take ours in the last quarter of the year, just so it helps us figure out how much money we can gift via charitable donations and gifts to our kids and loved ones. It works well for us. We also tend to get dividends around then as well. It makes the gift-giving season jollier. LOL! :mon...
by HIinvestor
Fri Oct 27, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 233
Views: 40730

Re: USAA 2.5% Cash Back Credit Card

We've been happily using our 2.5% USAA card in HI for some months or longer now. It works like a charm and we get our 2.5% credited to our account regularly. We recently cashed it in to get a check for over $800. It's our preferred card these days and we use it over others except if there's some spe...
by HIinvestor
Wed Oct 25, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 39
Views: 3226

Re: Southwest Companion Pass [California only]

That’s a very attractive deal that I sent to some relatives.
by HIinvestor
Wed Oct 25, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: How Well Do You Know About Retirement Income?
Replies: 40
Views: 4556

Re: How Well Do You Know About Retirement Income?

Oh well, 33/38, but misread a question or more on the phone—too small a format. H has a more than adequate pension so we aren’t in the market for any annuities anyway.

We are satisfied we have a good grasp of the info we need.
by HIinvestor
Tue Oct 24, 2017 3:43 am
Forum: Personal Finance (Not Investing)
Topic: Heading to ER, surprise bills [update: home again]
Replies: 44
Views: 5537

Re: Urgent! Heading to ER, surprise bills

I have successfully challenged an out of network pediatric anesthesiologist charge when we took S to an in network hospital and he had an in network provider who unbeknownst to us was using an out of network anesthesiologist. I asked insurer how I was to know or question or change the anesthesiologi...
by HIinvestor
Sun Oct 22, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: Most economical way to ship clothing?
Replies: 9
Views: 655

Re: Most economical way to ship clothing?

Agree that if you can vacuum pack the garments by getting the air out, it is surprising how much you can send in a little space. I like USPS flat rate large boxes. You can try the zip-lock-like spacesaver bags where you just squeeze out the extra air and get in the clothes your kiddo needs prior to ...
by HIinvestor
Sun Oct 22, 2017 10:55 pm
Forum: Personal Consumer Issues
Topic: Best no sweat athletic/work socks
Replies: 28
Views: 2037

Re: Best no sweat athletic/work socks

I use Thorlo socks and find they meet all my needs. They sometimes are introductory offers if sales where you can get a pair for $5.90 shipping and handling it but 3 get 1 free. They are expensive but I BEVER get blisters or smelly or itchy feet with them, no matter jmhiw long I wear them. Some of t...
by HIinvestor
Sun Oct 22, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Installing a slide inside a home?
Replies: 39
Views: 2743

Re: Installing a slide inside a home?

Our tenants asked our permission and built a treehouse in the backyard of the house we rented them. Right after they moved out, our property manager had it removed due to liability concerns. My cautious young niece fell off a slide when she was in grade school and ended up in the ER, so I’m pretty h...
by HIinvestor
Sun Oct 22, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 150
Views: 9478

Re: Federal Retiree Health Care with/Medicare

While one can switch FEHB and Medicare supplemental plans during open season, can’t really “time” it re an emergency hospitalization that occurs with little or no notice.
by HIinvestor
Sun Oct 22, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 150
Views: 9478

Re: Federal Retiree Health Care with/Medicare

IRMAA amounts are on a sliding scale. At the lower end, they’re not much higher than basic part B and go up from there. https://www.medicare.gov/your-medicare-costs/part-b-costs/part-b-costs.html For just one person on Part B, it’s not that much extra to pay for more security. My understanding is th...
by HIinvestor
Sat Oct 21, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 150
Views: 9478

Re: Federal Retiree Health Care with/Medicare

H is a retired federal employee. Some chronic health issues run in his family. He has Medicare A & B as well. He also has FEHB family plan which covers him, me and our dependent. Having both high BCBS FEHB and Medicare B has eliminated all copays and deductibles, which have been helpful for H’s PT a...
by HIinvestor
Sat Oct 21, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 4818

Re: What service do you pay for that you could easily do yourself?

We have a CPA who does our taxes tho we COULD do it ourselves. We also eat out quite often (tho we both could cook) and use a mechanic, even for oil changes tho H could do it. We use a plumber for plumbing repairs tho H knows how to do those. We use a bookkeeper for our nonprofit tho I could probabl...
by HIinvestor
Sun Oct 08, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3063
Views: 904365

Re: What Movie Have You Recently Watched?

Saw "Gifted" on the plane about a young math prodigy and a custody battle. It was thought-provoking.

Also saw Beauty & the Beast (latest Disney version) which was well done. Also saw China baby animals movie also in airplane--reminiscent of National Geographic.
by HIinvestor
Sun Oct 08, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 1587

Re: What do you do with your empty inkjet cartridges?

We take ours back to Office Depot/Office Max and get a small credit back for our efforts. It feels better than tossing them and adding to trash.
by HIinvestor
Wed Sep 27, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Tailor made shirts
Replies: 11
Views: 1422

Re: Tailor made shirts

Our S buys some tailored clothing since he has difficulty getting his precise size. Finding a good tailor who produced results you like is well worth the effort. His custom suits fit him very nicely and are better than a ton of alterations on ready to wear garments. Ymmv.
by HIinvestor
Mon Sep 25, 2017 3:13 am
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 4604

Re: Asking for no wedding gifts

We were invited to a baby's 1st birthday party that explicitly stated no gifts please on the Invitation. When we arrived at the birthday party, they had a big sign in table and gift basket for guests to put their cash gifts. I was very surprised and upset since all the parties I had previously been ...
by HIinvestor
Sun Sep 24, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8828

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

I have never heard of any patient being allowed to observe another's surgery or procedure and don't see how that would help anyway. I have permitted Med students to observe at teaching hospitals when I or a family member is the patient but not random patients.