Search found 382 matches

by HoosierJim
Sat Nov 04, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody using the Health Coverage Tax Credit (HCTC) - via PGBC pension?
Replies: 0
Views: 96

Anybody using the Health Coverage Tax Credit (HCTC) - via PGBC pension?

Wondering if any Bogleheads have experience with the PGBC pensions and the Health Coverage Tax Credit (HCTC). At what age were you able to take your PGBC pension? Any snags or pitfalls? Are you still working? The Health Coverage Tax Credit is a tax credit that pays 72.5 percent of qualified health i...
by HoosierJim
Sun Oct 29, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: PA Speeding Ticket?
Replies: 31
Views: 1574

Re: PA Speeding Ticket?

You can get a remote lawyer (just find one close to the court house) and avoid the appearance. Everybody is in such a hurry and needs to be more aware of their speed. You were moving as traffic was moving. You weren't doing anything dangerous. This must be what the mob of cars tailgating each other ...
by HoosierJim
Tue Oct 24, 2017 8:56 am
Forum: Investing - Theory, News & General
Topic: Building very high net worth
Replies: 81
Views: 8285

Re: Building very high net worth

Ron Scott wrote:
Mon Oct 23, 2017 3:46 pm
Since we are well past the mega-rich doctor days....
The salaries below are AVERAGES . Also assuming 90% of those spend every dollar they make, with the 10% LBYM doctors (oxymoron?) there are still a lot of multimillionaires after a 25 year working career.

Image

Highest paid doctors
by HoosierJim
Mon Oct 23, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Why not just annuitize and be done with it?
Replies: 52
Views: 16647

Re: Why not just annuitize and be done with it?

Maybe somebody can correct me on this but aren't the annuity payout schedules set by the average health of people buying annuities? If somebody is obese with a 3 pack a day habit, likes to skydive, with bad relatives, they should be awarded a larger monthly payout than the people who buy annuities w...
by HoosierJim
Sun Oct 15, 2017 6:53 am
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 4027

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

Not to mention, you can now do hands-free text message reading and replying. I haven't checked to see if their are any studies yet on this, but I would think it is far less distracting to a driver than hands-free talking while driving Anybody that thinks they can do this well and remain safe should...
by HoosierJim
Sun Oct 15, 2017 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Annuities - how does insurance company know you died?
Replies: 49
Views: 2911

Re: Annuities - how does insurance company know you died?

A recent watchdog review found that at least 6.5 million active Social Security numbers belong to people who are at least 112 years old and likely deceased. Only 35 living individuals worldwide had reached that age as of October 2013, according to the Gerontology Research Group. I am guessing that ...
by HoosierJim
Sat Oct 14, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7471

Re: How long for hedonic adaptation to set in?

afan wrote:
Sat Oct 14, 2017 3:48 pm
The easiest way to try out not spending is to pass up, this time, one such expense and see how it goes....One step at a time.
But where does this end? - a monastery room with concrete walls and a hard bed and your days filled with Loving Kindness Meditation?
by HoosierJim
Fri Oct 13, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 10466

Re: 2018 ACA costs arrived

KP wouldn't pay for a second opinion in either case. Assuming Jeopardy facts check their questions - this week - one of the answers was "second opinion" - the question was related to "Approx 1/3 of these result in alternate courses of treatment". Probably worth paying for the second opinion yoursel...
by HoosierJim
Fri Oct 13, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: Building additional garage - recommendations?
Replies: 26
Views: 1297

Re: Building additional garage - recommendations?

We had an old falling down 2 car garage(barely) and build a 3 car. Couple of thoughts/issues/ideas to ponder - Our town limits the size and lot %coverage so we built the biggest possible. - We have an alley and did a car width setback but I would at least 1 1/2 car widths next time - We have to turn...
by HoosierJim
Wed Oct 04, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: Where/when to get good deals on athletic shoes
Replies: 24
Views: 1483

Re: Where/when to get good deals on athletic shoes

Not exactly high performance but do the job $13/pair

Kirkland Signature Men’s Athletic Shoe, White

Free shipping (assuming you are a member)
by HoosierJim
Sat Sep 30, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: Don't Walk RUN from AT&T - no prorate on last bill
Replies: 13
Views: 1543

Re: Don't Walk RUN from AT&T - no prorate on last bill

oldcomputerguy wrote:
Fri Sep 29, 2017 5:20 pm
HoosierJim, did you run into any difficulty signing up for that plan?.....
No problems (yet) - $60/month (tax included) with autopay. Our AT$T store shares a wall with the TMobile. The no-prorate clause is the final insult to loyal customers - will know better next time.
by HoosierJim
Fri Sep 29, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Don't Walk RUN from AT&T - no prorate on last bill
Replies: 13
Views: 1543

Don't Walk RUN from AT&T - no prorate on last bill

Per the excellent post from Student on the TMobile 55+ deal - we switched from AT$T to T-Mobile and have been enjoying great cell coverage & data for a fraction of the cost. Now as the final insult, AT$T sent a non-prorated bill for the final days (2) of the service. Not sure but this may also apply...
by HoosierJim
Mon Sep 18, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 7281

Re: Physiological effects of Early Retirement in peak earning years.

physicians identify with their profession, Many people that take pride in their work, enjoy delighting their customers or fix disasters for people, identify with their profession. (opinion) I am getting sick of one job is more noble than another. When you have 4 feet of sewage in your basement a pl...
by HoosierJim
Fri Sep 01, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8733

Re: T-Mobile promotion for 55+

tm3 wrote:
Fri Sep 01, 2017 2:33 pm
so the switch to TMo would require buying 2 new phones.
There may be a strategy if you could buy a new phone at Verizon before you leave and then have TMo buy it out - you would need to check terms. I think there is a $600 limit. Are there phones that will work on both?
by HoosierJim
Fri Sep 01, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8733

Re: T-Mobile promotion for 55+

tm3 wrote:
Fri Sep 01, 2017 2:20 pm
Anyone know a reliable way to compare carrier coverages?
Was worried about this too but the NO CONTRACT means you can switch if you're not happy. Read the fine print if you are having them buy your phone out from under your current provider or contract.
by HoosierJim
Mon Aug 28, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8733

Re: T-Mobile promotion for 55+

I heard today you could add unlimited 4g tethering for $25/month PER LINE- We would only need this on one line.

I wouldn't need this all the time but might be good for a week every month or so where I am remote. So doubt I would be labeled a top user.

Image
by HoosierJim
Mon Aug 28, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: Comcast got me over a barrel-Help
Replies: 23
Views: 2339

Re: Comcast got me over a barrel-Help

Are you in a metro area and an occasional user ex. Not 24/7 datacenter? AND are you already paying a good amount for your cell coverage? If so, there may be an option to pay your cell carrier for unlimited 4G and do EVERYTHING over the phone. I need a lot of bandwith but was thinking this could lowe...
by HoosierJim
Fri Aug 18, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Remodel Price/Contractor Dispute
Replies: 37
Views: 4116

Re: Kitchen Remodel Price/Contractor Dispute

You need to be sure there are no future liens due to unpaid subs. Did any deliveries come directly to the job-site? Those vendors could lien you too.

Mechanic's Liens From Home Improvements


Homeowners Guide To Preventing Mechanics Liens
by HoosierJim
Fri Aug 18, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 16887

Re: Jobs that pay over $100,000

Why Stanford students are turning down $150,000 entry-level salaries (two years old but your kid might have these same feelings) They want to make an impact. They want to do good. They want a mission They want to learn and grow. They want to work with interesting people. They want freedom. They wan...
by HoosierJim
Thu Aug 17, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Model Home Purchase/Leaseback
Replies: 18
Views: 1683

Re: Model Home Purchase/Leaseback

Once all the negotiating is done, demand a concession for the realtor commission (assuming you haven't got a agent already involved) If you pass on the deal there is a good chance a realtor will be bringing them the next buyer. Although they don't pay full commission, you should be able to get 1/2 o...
by HoosierJim
Wed Aug 16, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Model Home Purchase/Leaseback
Replies: 18
Views: 1683

Re: Model Home Purchase/Leaseback

Be sure to have the house inspected just like you would any other existing home that you might buy. AND compare it to the like-comps in the neighborhood for recently sold homes. You probably will get more amenities in the model than most of the other sales but some of that stuff doesn't appraise wh...
by HoosierJim
Tue Aug 15, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8733

Re: T-Mobile promotion for 55+

The other benefit is - for the first time ever in the history of the universe, the price is quoted INCLUDING TAX.
by HoosierJim
Mon Aug 14, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: PSA - Mute button for Gas Station TV!
Replies: 22
Views: 2961

Re: PSA - Mute button for Gas Station TV!

TV's distract. Always lock your car when filling. DO NOT LEAVE THE KEYS IN THE CAR. Thieves in our area are stealing contents (purses, phones, cash) from unwitting people at the pump by opening up the opposite side car door while customers are mesmerized by the TV or pump numbers. Police have added ...
by HoosierJim
Sun Aug 13, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8733

Re: Just saved $1000 / year on mobile plan

Steps to make tethering more acceptable if on 3G. 1. Always run ad-block - use the ALLOW for limited sites you want. 2. Turn off images (most bloated sites are loaded with click-bait) In Chrome - goto SETTINGS --> type "images" into the search and turn off images. 3. Try using html email - I use gma...
by HoosierJim
Sun Aug 13, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8733

Re: Just saved $1000 / year on mobile plan

Nicolas wrote:
Sun Aug 13, 2017 1:21 pm
We pay about $13/month for two lines on Tracfone.
I need unlimited data for business reasons.
by HoosierJim
Sun Aug 13, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8733

Re: Just saved $1000 / year on mobile plan

Ron wrote:
Sun Aug 13, 2017 1:02 pm
I only saved $480/year since I already was using their T-Mobile "One" plan
We were on AT&T since cell phones were invented so a lot of good all that customer royalty did us. Going to try to be more proactive in switching brands if we are ignored in the future.
by HoosierJim
Sun Aug 13, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8733

Re: Just saved $1000 / year on mobile plan

Here's a Forbes article about the new plan that started a few days ago. There is a link to a funny youtube by the T-Mobile CEO showing how older people aren't respected by other carriers but welcome at TMobile. T-Mobile Has A Good Deal And Respect For Baby Boomers 55 And Up Legere makes fun of those...
by HoosierJim
Sun Aug 13, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8733

Re: Just saved $1000 / year on mobile plan

Used our existing paid off phones. They offer new phones as well as upgrades to our existing. About 3 months ago, I gave up my Windows Phone that I paid $35 for and got about 4 years out of and went up to a Google Pixel - so I should be good for 5 more years on my Pixel- wife has Iphone 6 so no need...
by HoosierJim
Sun Aug 13, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8733

Just saved $1000 / year on mobile plan

[Thread merged into here, see below. --admin LadyGeek] First time I had to give my ID to prove my age in a while. Plan has advantages over our old plan too. Figured with 3.3% Safe Withdrawl Rate - this is equivalent to $30,000 in savings required to retire. $60/month - two lines - unlimited data - ...
by HoosierJim
Sat Aug 12, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Model Home Purchase/Leaseback
Replies: 18
Views: 1683

Re: Model Home Purchase/Leaseback

Double check that warranties (components/structural) are from your move-in date. Sometime individual component warranties (hvac,water heater, appliances) can be extended by simply sending in the registration (Carrier HVAC for example). Builder may have sway with vendors - get the warranties extended...
by HoosierJim
Wed Aug 09, 2017 7:10 am
Forum: Personal Consumer Issues
Topic: 2017’s Best & Worst States for Health Care
Replies: 15
Views: 2264

Re: 2017’s Best & Worst States for Health Care

Hard to generalize by state. Also if you are working for a mega-corp in the main cities "your" coverage,medical access and "cost" relative to the state values may be different. Seems to be classes of insured that taken with state of residence and urban / rural living combine to tell the story. - cor...
by HoosierJim
Fri Aug 04, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: Buy EZ Pass transponder for road trip?
Replies: 45
Views: 3124

Re: Buy EZ Pass transponder for road trip?

If you place it in a rental car - setup a meeting/event reminder in your phone/email for just before you return the car or figure out another way to remind you it's in the rental car. It's easy to forget it and leave it in the rental car.
by HoosierJim
Mon Jul 31, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Someone else applied for a friend's social security
Replies: 9
Views: 1472

Re: Someone else applied for a friend's social security

Here's a good article from Clark Howard on credit freezing at all the credit bureaus

http://clark.com/personal-finance-credi ... haw-guide/

I would do this tonight and talk to SS asap.
by HoosierJim
Mon Jul 31, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4729

Re: Wooden flooring in kitchen

If going wood, use a dishwasher pan or independently seal and drain the area below the dishwasher.
by HoosierJim
Mon Jul 24, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Treadmill Desk
Replies: 8
Views: 1042

Re: Treadmill Desk

Drill two holes in part of the board you want to snug down. Actually , foam pipe insulation is placed over the handles, noodle material to bridge and gaps and used for leveling Once the board is leveled, long tie-wraps are used to cinch down the board so it never moves. The tie wraps pass through th...
by HoosierJim
Sun Jul 23, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Treadmill Desk
Replies: 8
Views: 1042

Re: Treadmill Desk

Use a swimming pool noodle and tiewraps - drill two holes per tiewrap and connect the tiewrap under the board. - You can snug it down to get no movement and it can adapt to irregular shapes on the treadmill handles.
by HoosierJim
Fri Jul 21, 2017 6:54 am
Forum: Personal Consumer Issues
Topic: Scripters/Coders - Wanting to Learn
Replies: 17
Views: 1643

Re: Scripters/Coders - Wanting to Learn

From your OP and followups, sounds like Powershell would be best. You need an easy way to expose the asset type objects (hardware config, apps, inventory) and the ability to save/update the results for easy analysis and summary(excel,sql, powerbi ). As mentioned above there are a lot of existing scr...
by HoosierJim
Sat Jul 15, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6890

Re: anyone retire and move to a planned community in FL?

Florida is genuinely dangerous for bicyclists. Not just bicyclists... Evaluating your walking patterns in an area you are planning to move is a great suggestion. Protected walking paths is a best. Now that I am beginning to observe seniors texting,facebooking,tindering,etc while driving - it can on...
by HoosierJim
Sat Jul 15, 2017 6:15 am
Forum: Personal Consumer Issues
Topic: If i turn off central AC will it damage drywalls?
Replies: 38
Views: 3790

Re: If i turn off central AC will it damage drywalls?

One strategy is to get a programmable thermostat and have the temperature brought down to 82 degrees for a few hours starting at about 5 am - 6 am (coolest part of the day). The rest of the day - set the thermostat to 99 degrees so the air doesn't come on. This has two effects Removes the moisture f...
by HoosierJim
Fri Jun 16, 2017 6:26 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 7229

Re: Have you canceled cable?

Haven't had cable for about 5 years now. Using PC connected to TV with Windows Media Center and Digital Home Run , remote control and antenna to "tape" shows of interest (we still call it that) (about $450 one-time total) . No interest in sports TV. Have Netflix and high speed internet. Just started...
by HoosierJim
Mon May 08, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: 2018 HSA Contribution Limit Announced
Replies: 13
Views: 3627

Re: 2018 HSA Contribution Limit Announced

Does anybody know the logic of setting the limit at $13,600? I thought it was to encourage more patient cost responsibility.

About 1/2 of the plans on Indiana's for our age settings on the exchange look like this:

Image
by HoosierJim
Thu Apr 06, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: QR Code/Bar Code Readers?
Replies: 10
Views: 725

Re: QR Code/Bar Code Readers?

I wonder if there'd be any use for a QR code generator/writer Google and others have http enabled charting/image generation software - pass some data in the URL and google generates a chart or image. Here's how to get a QR code https://chart.googleapis.com/chart?cht=qr&chs=200x200&chl=www.b...
by HoosierJim
Wed Apr 05, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 7504

Re: Secretly entered two comma club

It's actually not a secret anymore. :beer
by HoosierJim
Wed Apr 05, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: ORD Parking lot challenge - need quick response
Replies: 18
Views: 1457

Re: ORD Parking lot challenge - need quick response

There are a number of regional bus lines that server ORD and Midway . Parking is free in their lot. Others serve Peoria, Madison, etc

Tri-state bus NW Indiana to ORD

Rockford to ORD
by HoosierJim
Mon Apr 03, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Got my second comma -- what is this anticlimactic feeling?
Replies: 55
Views: 7413

Re: Got my second comma -- what is this anticlimactic feeling?

Here is the real reason. How Desire Fools Us: The Benefits and Dangers of The Chase Uber uses something similar in "gaming" their drivers to push on to get more fares. Just as driver might set a goal of earning $200 / day - To keep drivers on the road, the company has exploited some people...
by HoosierJim
Mon Mar 20, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 411531

Re: What's Your Credit Card Rewards Strategy?

Just noticed that Bank of America card entitles free admission to many museums on the first full weekend of the month Bank of America - Museums on Us 2017 participant roster Free general admission is limited to the cardholder at participating institution. Museum hours and participation varies. Exclu...
by HoosierJim
Sun Mar 19, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Buying house - what should I expect from real estate agent
Replies: 10
Views: 939

Re: Buying house - what should I expect from real estate agent

gave us access to the local MLS so that we can see all houses (except for sale by owner) for sale in area. If you are sophisticated enough to use the Boglehead forum, you might be able to find this yourself on the internet (including fsbos) on Realtor.com / Zillow.com. You should expect that a real...
by HoosierJim
Sat Mar 18, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 89
Views: 10955

Re: Best place to get eyeglasses / no vision insurance

Eye exam at Costco $60

2 Pairs at Zenni Optical - $9 each plus $5 shipping = $23.

My glasses are simple but why involve an insurance company if you need glasses? It's like insurance for oil changes on your car.