Search found 1501 matches

by HIinvestor
Fri Jun 22, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: How do find a good doctor for chronic hives
Replies: 21
Views: 698

Re: How do find a good doctor for chronic hives

Agree that allergist and dermatologist help deal with allergies and hives. I've mostly relied upon the allergist and she's been helpful. It can take some digging/exploring to figure out what the allergy/allergies are and how to minimize exposures. The more exposure is reduced, the better patients ca...
by HIinvestor
Thu Jun 21, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: IRS: Great customer service?
Replies: 17
Views: 1457

Re: IRS: Great customer service?

Celia,
No envelopes or check was involved. The IRS.gov website was used and funds went straight from our checking acct to IRS, direct electronic transfer debit. No other parties were involved. I’m not seeing similarity between our situation and that of your relative.
by HIinvestor
Thu Jun 21, 2018 3:31 am
Forum: Personal Finance (Not Investing)
Topic: IRS: Great customer service?
Replies: 17
Views: 1457

Re: IRS: Great customer service?

My CPA is having to deal with the Notice Of underpayment IRS sent us in error. For some reason they are claiming they never received a 5-figure payment where we have their it’s.gov receipt showing they acknowledged it AND the bank statement showing transfer from our acct to IRS. Our CPA is handling ...
by HIinvestor
Thu Jun 21, 2018 3:24 am
Forum: Personal Consumer Issues
Topic: Senior discounts to look out for
Replies: 12
Views: 1484

Re: Senior discounts to look out for

For TMobile, they offered $60 for 2 lines as long as one party was 55 or >. This includes unlimited phone, text, data in the US, free data and text in most international locations. If you are on autopay, that’s the price—includes all taxes and fees. If you don’t autopay, I believe it is $70 for 2 li...
by HIinvestor
Wed Jun 20, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 41
Views: 2016

Re: 1st Car Mechanic service experience

We routinely use private (not car dealer) mechanics and have had excellent results. We get better prices and they are very candid about when and what should be repaired in our vehicles. They don’t urge repairs just so they can make more $$$ and can easily explain what they recommend, the time frame ...
by HIinvestor
Tue Jun 19, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Investing With Healthcare $$ Concerns
Replies: 10
Views: 773

Re: Retirement Investing With Healthcare $$ Concerns

Could either of both of you consider getting a part-time job until Medicare covers you, preferably one with health benefits? That might be the safest thing to do, even if it might not be your field.
by HIinvestor
Mon Jun 18, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 38
Views: 3634

Re: Article on hotel booking sites - no bargains

Yeah, I mostly book direct as that tends to have best cancellation policies. No wonder the prices all seem so similar!
by HIinvestor
Mon Jun 18, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 52
Views: 3269

Re: "distilled" water for wife's CPAP machine

Wow, the price of the little bottles of distilled water are EACH several times the price of a gallon! What a ripoff! You could just buy a new gallon bottle each week for the less than the price of those small 11-12 oz bottles—wow!
by HIinvestor
Mon Jun 18, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 38
Views: 3634

Re: Article on hotel booking sites - no bargains

We are mostly using hotels when on business and get the group/convention/AAA/Fed govt or whatever rate we qualify for.

We may have to start exploring AirBnB and VRBO sooner than we hoped.
by HIinvestor
Mon Jun 18, 2018 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Messy Divorce -- Forensic Accounting Help....
Replies: 120
Views: 9712

Re: Messy Divorce -- Forensic Accounting Help....

I would leave this for the attorney. Sadly, I agree that they have seen these cases before and the costs you can incur can easily swallow any benefit from you doing any more research. Provide the attorney with what you’ve uncovered and leave him/her to try to make things as fair as the court can. Ge...
by HIinvestor
Mon Jun 18, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16468

Re: Life in retirement - what did you do today?

Maybe the community colleges near you might offer a wine enjoyment course or two that might suit your purposes? Perhaps a specialty wine shop in your neighborhood? I've never explored the issue, as I don't drink much alcohol--have never particularly liked it and sulfites make me wheeze (literally). ...
by HIinvestor
Mon Jun 18, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10051

Re: Timeshare ever worth it? Please share details

Dunno, to me, it sounds like a lot of effort that I’d raher spend on other things to figure out how to make a timeshare worthwhile. Mostly it’s just H and me traveling. Mostly we are visiting loved ones or attending meetings and conferences and honestly want to stay at or near the conference hotel o...
by HIinvestor
Mon Jun 18, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24283

Re: Concierge medicine Worth It????

I was surprised my newest internist gave me her personal cell number (which I have never used). It is nice to have cell numbers just in case there is ever an urgent need to reach the MDs. On the other hand some docs have you reach out to their answering service or advise you on their answering machi...
by HIinvestor
Mon Jun 18, 2018 4:41 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24283

Re: Concierge medicine Worth It????

I agree that I have gotten exceptional treatment but also have to say I’m a very good patient in that I follow our agreed upon treatment regimen and let them know promptly if something is amiss. I also admit I’ve had to fire quite a few doctors along to way to get the exceptional team I have and tha...
by HIinvestor
Sun Jun 17, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24283

Re: Concierge medicine Worth It????

Since I have several of my MDs cell numbers and emails, I COULD contact them on nights or weekends but have only sent a text once early Saturday morning just before leaving on a trip, upon realizing I was low on one of my Rx and would run out while traveling. He gave me a new Rx but did razz me abou...
by HIinvestor
Sun Jun 17, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5067

Re: A vehicle that "sits up" but can't afford CRV

My nieces like their Nissan Rogues. They liked that the price was a bit lower than Honda or Toyota. So far, no complaints from either of them.
by HIinvestor
Sun Jun 17, 2018 8:24 pm
Forum: Investing - Theory, News & General
Topic: What do you sell after the emergency fund?
Replies: 25
Views: 1486

Re: What do you sell after the emergency fund?

At this point, I can’t imagine this scenario. H is retired and his pension and RMD cover all our basic expenses plus quite a bit if discretionary expenses.

To the extent we are short, we would start using our cash reserves (I guess you can call them ER fund). Not sure what we’d do after that.
by HIinvestor
Sun Jun 17, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Benefits of using CPA for taxes
Replies: 27
Views: 3226

Re: Benefits of using CPA for taxes

We like our CPA and his staff. They handle all our tax questions and do our personal and partnership returns. If they make a mistake, they file an amended return at no cost with apologies. They also compare our amounts for current year with prior year and we discuss any discrepancies to figure out i...
by HIinvestor
Sun Jun 17, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16468

Re: Life in retirement - what did you do today?

H retired 5.5 years ago, after over 45 years with same employer. Yesterday, we woke about 6-6:30 or so, reheated leftover takeout for breakfast and went to nearby outdoor shopping mall to play a virtual reality phone game (Pokémon Go) with others for 3 hours. After that, we gave a gamer a ride to hi...
by HIinvestor
Sun Jun 17, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate "fun money" per year?
Replies: 36
Views: 2696

Re: How to calculate "fun money" per year?

We never really had a “budget” but worked hard to live under our income. We tried to have more frugal vacations when we had less income—go when H was being sent by employer for training and add a stop to stay with relatives of close friends en route. This really reduced cost of lodging. Locally, cam...
by HIinvestor
Sat Jun 16, 2018 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking spending before retirement useful for estimating retirement expenses?
Replies: 72
Views: 4011

Re: Tracking spending before retirement useful for estimating retirement expenses?

H retired 5.5 years ago and I’m semi-retired. It works well for us. I did track our expenses roughly in the few years prior to retirement, as well as what would change. We no longer have a mortgage. Paid off all kids’ ed expenses. Can no longer contribute toward H’s retirement. Travel much more. Hav...
by HIinvestor
Sat Jun 16, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24283

Re: Concierge medicine Worth It????

I recently turned 60. I mostly see my internist as scheduled—every 6 months. I have a chronic progressive lung condition and see my local lung doc also every 6 months. My old internist (whom I’ve seen for over 30 years) was 68 and having his own health issues, so I asked my lung doc for a referral t...
by HIinvestor
Sat Jun 16, 2018 3:39 am
Forum: Personal Consumer Issues
Topic: completely free background check website
Replies: 7
Views: 1454

Re: completely free background check website

I agree that the quality of the info online is highly variable. The ones of folks I know often have people who are somehow connected listed as living together, though often it lists many more as living in the household than actually are. It also lists folks wholly unrelated and who don’t even know e...
by HIinvestor
Thu Jun 14, 2018 4:33 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10051

Re: Timeshare ever worth it? Please share details

My friend bought two in Hawaii for $10 apiece, really. She has to pay $1000 or so annual fee but is entitled to a week every year at one and every other year at the other. When she can’t use it, she can rent it out or get points, I believe or swap with someone else. Im waiting to see how she likes i...
by HIinvestor
Mon Jun 11, 2018 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 10049

Re: Why do we work?

H says he worked to pay bills—his and his dad’s— and loved his job and its benefits. After we met and married, it was to pay our bills and he continued to love his job and coworkers. H finally retired when the major bills had been paid and is enjoying retirement. I have loved my jobs and now am prim...
by HIinvestor
Sun Jun 10, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 97
Views: 12743

Re: The Power of Working Longer

The big issue with working longer is that sometimes workers don’t get to choose how long they stay at their jobs—many are downsized or have to quit to care for loved ones. Finding a new job when you are in your 50s, 60s and 70s is challenging. Also, sometimes physical or mental conditions prevent fo...
by HIinvestor
Sun Jun 10, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: How much to invest in elementary education?
Replies: 37
Views: 2417

Re: How much to invest in elementary education?

Our kids attended out of district public schools (with mom driving) for grades K-8. It worked fairly well. They did go to a private HS, which also worked well and was cheaper than private K-12. I’d check what needs to happen for your D to go to school in the next zone or at least have her try starti...
by HIinvestor
Sun Jun 10, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 112
Views: 5442

Re: long term care insurance

Whatever policy you consider, please READ and understand the terms so you know when benefits start, what you have to do to get benefits, how much premiums can be increased and over what period, etc. When the fed govt was first encouraging its employees to buy LTCi for extended family, I carefully re...
by HIinvestor
Sat Jun 09, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: AT&T lower-cost data alternatives (is Sprint's $15/mth worth it)?
Replies: 27
Views: 2139

Re: AT&T lower-cost data alternatives (is Sprint's $15/mth worth it)?

We have 2 limes for $60/month in T-Mobile. No extra taxes or fees, no limits on texts, talk or data, free foreign text and data. Primary acctholder has to be 55 or older. H is a peinar with S and I am primary with D. As a family we pay total of $120 and never any extra surprise charges and you can u...
by HIinvestor
Sat Jun 09, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 5074

Re: Rowing machine motivation

We got a water rower from waterrower.com for Christmas. I have gradually built up from 5 minutes until I’m now at just over 30 minutes per rowing session. When I can, I try to do a second rowing session. The rower lives next to my computer and my H and I each try to have one or two sessions on it da...
by HIinvestor
Mon Jun 04, 2018 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 273
Views: 12460

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

What about being a concierge cardiologist and just treat fewer patients that you handpick? Since money isn’t an issue, cut way back and just do the cases which appeal to you and refer out the rest? That would surely be easier and likely more satisfying than starting at the bottom in law school.
by HIinvestor
Mon Jun 04, 2018 1:45 am
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 273
Views: 12460

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

Our neighbor went to medical school after her youngest kid had graduated from college. She was a palliative care MD and is now one of the the medical directors of our BCBS. I’m not sure how long she plans to work or what she did before. As an attorney, I agree with law prof, the odds of becoming a l...
by HIinvestor
Tue May 08, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: Rental Cars:National, Budget, Alamo or Thrifty
Replies: 33
Views: 1614

Re: Rental Cars:National, Budget, Alamo or Thrifty

I generally just book at Costco.com car rentals and have been pretty satisfied. Rates are OK and you can have spouse as 2nd driver at no extra charge. I’ve been OK and had my share of good and bad with all the major companies—Hertz, Alamo, National, Budget, Avis and Enterprise. I just choose by pric...
by HIinvestor
Wed May 02, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance
Replies: 24
Views: 1419

Re: Flood Insurance

We had to buy hurricane and flood insurance when we had a mortgage. Since we paid it off, for a few years, we went without and then decided we ought to buy coverage again, especially with all the crazy weather worldwide. The premium price for the peace of mind is worth it to us, especially as many n...
by HIinvestor
Sun Apr 29, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Services that offer to buy your house?
Replies: 22
Views: 2527

Re: Services that offer to buy your house?

Realtors can generally get you a better sales prices and higher net amount after they take out their commission than these folks. They generally want anyone who will sell it to them for quick cash and then they can re-sell it at s nice profit. I’d avoid them myself, though we received fairly steady ...
by HIinvestor
Sun Apr 29, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Gift Question [Gift Tax]
Replies: 30
Views: 1730

Re: Gift Question

You can give your D $15K this year. Your spouse can give your D $15 K this year. Next year, each of you can also give your D $15K. If you want to gift SIL, each of you can also gift SIL $15K each year. Whatever you gift becomes out of your control, so be sure you really want it to be property of the...
by HIinvestor
Sun Apr 29, 2018 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Favors for Family/Friends and Getting Compensated or Not?
Replies: 39
Views: 3298

Re: Favors for Family/Friends and Getting Compensated or Not?

Actually, you can say, “Thanks for asking but when we want X done, we hire Mr Z. I can share his contact info if you’d like.” It works like a charm. We don’t do heavy moving ourselves and hire others instead. I don’t feel it’s fair to ask for the things on you list other than a ride to the airport a...
by HIinvestor
Sun Apr 29, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: How do you fund spending in retirement
Replies: 26
Views: 3219

Re: How do you fund spending in retirement

H has his pension and RMDs from a retirement acct deposited directly into our checking account. That is generalkyball we need for our regular expenses.
by HIinvestor
Wed Apr 25, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9507

Re: How did you tell the boss you're leaving/retiring?

H told his boss and coworkers 60 days before retiring. The boss was able to do extra paperwork knand owrsuade H to return with pay + pension for an extra 6 months. It was a win:win. H was very well respected by his coworkers and got along with all of them. He’s happily celebrating 6 years of returem...
by HIinvestor
Wed Apr 18, 2018 4:10 am
Forum: Personal Finance (Not Investing)
Topic: Please help figuring out cost of medical treatment(s)
Replies: 8
Views: 922

Re: Please help figuring out cost of medical treatment(s)

Sometimes there are organizations that MAY help you navigate. For example, folks with a genetic form of COPD can contact the national organization, Alpha1 Foundation and AlphaNet and they help patients get their expensive meds and a healthcare provider to infuse it. Id look for the national org for ...
by HIinvestor
Tue Apr 17, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Account for Adult Children Allowing Parent Some Control
Replies: 31
Views: 3601

Re: Account for Adult Children Allowing Parent Some Control

My relative set up joint accounts in each of his adult kids SSNs. The trouble is they are all in 25% or higher marginal tax brackets and this year the relative made short term capital gains. Each of the adult relatives was hit with extra taxes of $8000 to $22,000! They have asked for the funds to pa...
by HIinvestor
Tue Apr 17, 2018 4:56 am
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 10793

Re: Wanting to leave Fidelity

We have accts at Fidelity, Schwab and Vanguard. So far we’ve been fine will all of them. Only ever had problems with Wells Fargo, trying to get them to transfer the IRA of deceased relative. They wanted to give it to state of CA! :-( We like that Schwab has bricks and mortar office in Honolulu and w...
by HIinvestor
Mon Apr 16, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 6046

Re: Costco gas

I buy Costco gas if I’m 1/2 tank or less and am in the area where there is a Costco that sells gas. We only buy maybe 2-3 tanks if gas per month between our two vehicles (don’t drive much), so it doesn’t bake sense to us to put a ton of effort into finding the least expensive source. I personally do...
by HIinvestor
Thu Apr 12, 2018 1:33 am
Forum: Personal Finance (Not Investing)
Topic: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?
Replies: 39
Views: 4099

Re: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?

The reason docs don’t want to treat injuries related to auto accidents is they don’t want to have to have their staff deal with producing medical records, possibly having to appear at depositions and generally disrupt their practice as well as not knowing if and when they will be paid. Paying up fro...
by HIinvestor
Wed Apr 11, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?
Replies: 39
Views: 4099

Re: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?

Call the hospital where you were treated and ask whom to be seen for follow up after the accident because your PCP won’t see you since it was related to auto accident. They should be able to direct you. If they won’t, ask your medical or auto insurer. Both may have suggestions.
by HIinvestor
Tue Apr 10, 2018 3:13 am
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15315

Re: Parents have zero savings. What can I do?

Yikes! I’m so sorry to read about the many whose elders are financially irresponsible and don’t seem interested in improving the situation. It sounds very frustrating!

It would be lovely to read some good and effective solutions which have worked.
by HIinvestor
Mon Apr 09, 2018 4:23 am
Forum: Personal Finance (Not Investing)
Topic: Job search advice for a soon-to-be engineering grad...
Replies: 41
Views: 2045

Re: Job search advice for a soon-to-be engineering grad...

If he’s interested, the Fed govt hires engineers too for a lot of jobs. Attending engineering career fairs was something our S always made a point of doing (the Fed govt recruited there and online). He also worked with the engineering career counseling center. I’d suspect Vanderbilt has one too. He ...
by HIinvestor
Sun Apr 08, 2018 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 11693

Re: What age is the best to give a child control of an inheritance?

My S and nephew-IL both got most of the Boglehead concepts with no coaching from me. S is an engineer and NIL is a MD. My MD niece leaves it all to NIL. My other nieces also leave finances to their respective Hs. I think it’s pretty clear by 30 or so whether folks can handle finances responsibly. Of...
by HIinvestor
Sun Apr 08, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13659

Re: Ivy school education. Is it worth it?

This is the old “big fish in a small pond” or “ordinary fish in bigger pond” argument. In schools where there is a lot more “talent,” you will likely have to do more to stand out than in a school where you are one of the top students who were admitted. If you want to do research or get a job in your...
by HIinvestor
Sat Apr 07, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Engineering: Quality of school vs. specialized niche degree
Replies: 52
Views: 3619

Re: Engineering: Quality of school vs. specialized niche degree

Our S majored in EE. He has had attractive options, including job offers to be nuclear engineer, and is currently working for the fed govt doing robotics, wearable tech, project management and flying drones, among other duties. The EE degree gives him a pretty big range of options and he’s happy. He...