Search found 94 matches

by frequentT
Fri Sep 23, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 79
Views: 4598

Re: [500 million Yahoo accounts hacked, what should you do?]

Changed my password today. Changing security questions were not an option. Fortunately, my old password was used only at yahoo. Curiously I received a phishing email last week that threatened my yahoo account would be cancelled if I did not log in by clicking link. I have had several of these phishi...
by frequentT
Thu Sep 15, 2016 10:35 pm
Forum: Personal Consumer Issues
Topic: Which city for part time home during retirement?
Replies: 86
Views: 5507

Re: Which city for part time home during retirement?

Your list is pretty tough to check every item 100%. My suggestions optimize the total list though I am not positive about about rent costs. Particularly difficult to find that rent close to an international airport. You will have a sizable budget gain leaving CA for overall COL + taxes. Texas cities...
by frequentT
Mon Aug 29, 2016 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: best software for financial planning
Replies: 47
Views: 6104

Re: best software for financial planning

check out Wealthtrace:

https://www.mywealthtrace.com/

I have investigated the program and plan to purchase in Sept.

They offer a free trial period of several weeks.
by frequentT
Mon Aug 29, 2016 9:01 pm
Forum: Personal Consumer Issues
Topic: Google Word Processing and Spreadsheet
Replies: 29
Views: 2950

Re: Google Word Processing and Spreadsheet

I have been actively using Google Sheets for about 4 years. If you have experience with excel, sheets are an easy transition. Sheets are more than adequate for personal finance work. If you are used to building mega size models with complex functions in excel it might not be for you. Of course you c...
by frequentT
Thu Aug 25, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: Marrakesh, Morocco & Atlas Mtns. recommendations
Replies: 8
Views: 736

Re: Marrakesh, Morocco & Atlas Mtns. recommendations

Brief Trip Report: Thank you to tludwig23, calsaver, bigred77, mouses, magicrat All of your recommendations were helpful! We appreciated having knowledge from experienced travelers. Morocco is a wonderful destination. Very exotic, not overwhelming at all. The people were warm and welcoming. They are...
by frequentT
Sat Jul 09, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Simpliest Maintenance Single Family Home (AZ)
Replies: 24
Views: 2337

Re: Simpliest Maintenance Single Family Home (AZ)

For a homeowner that travels there is one easy step that will free your mind from a very worrisome hazard that many folks do not think about. Install a valve that will cut off water to your house. Position the cutoff so your irrigation will still work. Turn off the water every time you are traveling...
by frequentT
Sun Jun 12, 2016 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 37117

Re: [Fidelity drops AmEx, Bank of America credit cards]

Do you think that Fido switching to the Elan Visa is an intentional strategy to keep the credit card volume for purchases at Costco, now that Costco is switching to a Visa card? Fido should know exactly how much of its card volume was spent with Costco...... The timing of Fido's change seems too clo...
by frequentT
Wed Jun 08, 2016 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: The Overtaxed Investor: (book)
Replies: 0
Views: 292

The Overtaxed Investor: (book)

I heard this author interviewed on his most recent book. The Overtaxed Investor: Slash Your Tax Bill & Be a Tax Alpha Dog by Phil DeMuth The interview covered Roth conversion strategies as part of tax planning. Has anyone read it? How did you like it? The author has written a number of books wit...
by frequentT
Mon May 23, 2016 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp: How long do you trust your company?
Replies: 49
Views: 4775

Re: Deferred Comp: How long do you trust your company?

These plans can be quite helpful. Each one is unique in the way it is written, so you must read carefully. If you are comfortable with the financial condition of your company, you can proceed to calculate how much you can defer. The math is not complicated. It is a matter of having a detailed retire...
by frequentT
Tue May 17, 2016 2:51 pm
Forum: Personal Consumer Issues
Topic: Marrakesh, Morocco & Atlas Mtns. recommendations
Replies: 8
Views: 736

Re: Marrakesh, Morocco & Atlas Mtns. recommendations

Thank you for these comments. They are very helpful! We are very excited about Morocco. We have been to Spain and France many times, so Morocco is going to be the stretching/new experience. It it were just my DW and I, I would not worry too much, but I am leading this trip for us, and another couple...
by frequentT
Mon May 16, 2016 10:24 pm
Forum: Personal Consumer Issues
Topic: Marrakesh, Morocco & Atlas Mtns. recommendations
Replies: 8
Views: 736

Marrakesh, Morocco & Atlas Mtns. recommendations

We will be visiting Barcelona this summer, and are planning a side trip to Marrakesh, plus an excursion to the Atlas mountains, for a total of approximately 7 days in Morocco. We are experienced travelers who prefer independent travel, as opposed to packaged tours; although we are planning to hire a...
by frequentT
Mon Feb 15, 2016 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help Buying Individual Municipal Bonds
Replies: 14
Views: 1901

Re: Help Buying Individual Municipal Bonds

All of your requirements can be done via the Fidelity website. There are adequate new issue bonds to build your portfolio over time. With new issue bonds on the Fido site, you get the same pricing as institutions. Their bond portfolio analysis tool is excellent and will allow you to slice and dice y...
by frequentT
Wed Dec 02, 2015 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Administrator Recommendation
Replies: 3
Views: 411

Re: HSA Administrator Recommendation

Dear Flobes,

Thanks for feedback!

It never ceases to amaze me how knowledgeable, informed and helpful the users of this can be--truly a community of experts!

Frequent T
by frequentT
Wed Dec 02, 2015 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Administrator Recommendation
Replies: 3
Views: 411

HSA Administrator Recommendation

We have decided to go with a High Deductible health insurance plan that we will purchase in the private market. Our very detailed analysis reveals that the plan is the best choice for our needs due to their PPO network. We are looking for a recommendation for a HSA plan with the following characteri...
by frequentT
Sun Nov 29, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: Are suitcase locks worth it?
Replies: 44
Views: 4238

Re: Are suitcase locks worth it?

I give a strong second on zip ties. They are cheap, disposable, and they keep the casual thief out. For TSA searches, they perform a 'tamper evident' function to let you know at a glance that your bag has been searched. If you don't find a TSA form inside your bag, you must perform a thorough search...
by frequentT
Sun Nov 01, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Have?
Replies: 91
Views: 8753

Re: How Many Credit Cards Do You Have?

1) Fido Amex: 2% rebate. This is the default card. Will likely abandon this card when Costco issues its visa card in 2016. Previous posts have recounted hassles with this card; they are not easy to do business with (keep in wallet) 2) American Airlines MC. Pay for this one, but is invaluable for my ...
by frequentT
Sun Oct 04, 2015 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex: Security Annoyances
Replies: 92
Views: 9734

Re: Fidelity 2% Amex: Security Annoyances

Yes! Seriously annoying! I got this card to use at Costco to replace the Costco Amex. I had a falling out with the real Amex, and fired them. When Costco starts its new program with Visa, this card will be relegated to the bottom drawer. FIA is a second rate CC company for sure. They think their fra...
by frequentT
Fri Sep 25, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: medical billing: crime or just mistakes?
Replies: 48
Views: 5238

Re: medical billing: crime or just mistakes?

How does a Health Insurance Company make money? 1. Efficiently collect the premium. 2. Deny the claim or 3. Discount the claim or 4. Challenge the claim or 5. Hassle the patient/beneficiary to provide more documentation or 6. 'Temporarily' forget about the claim and 7. Try to collect from the patien...
by frequentT
Mon Sep 21, 2015 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Medicare: questions on the 'finer points'
Replies: 35
Views: 2936

Re: Medicare: questions on the 'finer points'

Thank you for the comments! Toofache32 I appreciate your perspectives on how specialists view medicare. I am not so surprised. However, I would have never thought of myself as just above a charity case, yikes! Hopefully the existing relationships I have with the specialists that I will need will hel...
by frequentT
Sun Sep 20, 2015 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: questions on the 'finer points'
Replies: 35
Views: 2936

Medicare: questions on the 'finer points'

First time enrollment is approaching for me: never thought this time would come.........however.......... I have been doing my research and have a few questions for the board experts. I am currently covered under a ACA silver PPO plan from BCBS; a very expensive premium and $3000 deductible. Medicar...
by frequentT
Mon Jun 22, 2015 6:29 pm
Forum: Personal Consumer Issues
Topic: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes
Replies: 23
Views: 3686

Re: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes

Hi Bruce: I have done bits and pieces of your route over the years. Others have given you good input, so let me suggest a much older piece of military history that is in Bayeux <20 miles from Caen. I was there 25+ years ago and found it very impactful. If I were anywhere close I would go again. Good...
by frequentT
Tue Jun 16, 2015 2:04 pm
Forum: Personal Consumer Issues
Topic: 6 Month Away Locations
Replies: 11
Views: 1693

Re: 6 Month Away Locations

Sounds like a great adventure: Go For it! All of these suggestions are based on some amount of experience....... Your starting assortment is pretty diverse, so here is my input: Colorado: Agree w/Ft. Collins, Boulder Area has some tech overtones, also consider a small CO town like Salida CA: Beach l...
by frequentT
Sun Jun 07, 2015 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 8332

Re: What Percent Of Your Annual Expenses Are Property Taxes?

8.5%

property taxes + mort. interest + med exp. = sizable 1040 deductions
by frequentT
Tue May 26, 2015 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone met with Fidelity Advisor before?
Replies: 19
Views: 3009

Re: Anyone met with Fidelity Advisor before?

You will find the Fido people very easy to work with. You have already done more prep than most so feel good about that. I would prepare two more items: (1) Your top 5 goals that require financial resources (2) 3-5 questions that you would like addressed, or if you just want 2nd opinions on your pro...
by frequentT
Mon May 11, 2015 5:31 pm
Forum: Personal Consumer Issues
Topic: Epoxy garage floor?
Replies: 20
Views: 3026

Re: Epoxy garage floor?

Do it! Definitely worth the effort!

The prep is everything-take your time.

I used the HD kit. I recommend buying extra flakes so you can get 'the look' you want. If you have any areas that are extra rough or cracked, heavier flakes will disguise.

Good luck.
by frequentT
Thu May 07, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 8138

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

It is a frequent food/coffee/break stop for us also on the way to NM or CO. TX has a good place to live for everyone's taste, however, Amarillo would not make the list. Look elsewhere in TX and you will likely find 'your place'.
by frequentT
Fri Apr 17, 2015 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Defined Benefit Plan help
Replies: 9
Views: 943

Re: Defined Benefit Plan help

Before you go too much further: find out if the plan has a cola provision? If so, it could knock out a lump sum option. A DB with cola is unusual, but very attractive to go for the monthly payout. Of course one must make a judgement, on health and longevity prospects as well. All in all, I like to s...
by frequentT
Mon Apr 13, 2015 10:09 am
Forum: Personal Consumer Issues
Topic: Declining to continue Interview Process
Replies: 26
Views: 3996

Re: Declining to continue Interview Process

Whatever you say, surround it with lots of compliments and praise for target company, its business, and all of the people that you spoke to. Be sure to write thank you letters to all the key people you encountered. Many of these folks will be industry contacts, or even colleagues in the future. Beco...
by frequentT
Sun Jan 11, 2015 4:41 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Customers, What Do You Hold at FIDO?
Replies: 43
Views: 5694

Re: Fidelity Customers, What Do You Hold at FIDO?

I use Fido as a broker and custodian for most of my assets: I really don't pay a lot of attention to the Fidelity products/funds. I have owned their spartan funds in the past as well as their no-fee etfs. Currently, the only Fido branded fund I own is the floating rate MF. I have also owned many van...
by frequentT
Mon Dec 01, 2014 6:31 pm
Forum: Personal Consumer Issues
Topic: Downhill Skis
Replies: 10
Views: 1542

Re: Downhill Skis

A couple of thoughts for you: Skiing is an expensive sport! However, it is my favorite. Remember equipment is only one of the constituent costs in addition to transport, lift ticket$, food, and possibly lodging. Good equipment will last a long time. Spend generously and carefully on comfortable, wel...
by frequentT
Fri Sep 19, 2014 7:53 pm
Forum: Personal Consumer Issues
Topic: Home/Auto insurance: Amica or Travelers?
Replies: 26
Views: 2763

Re: Home/Auto insurance: Amica or Travelers?

I really like my local State Farm agent, however, their price increases have been VERY aggressive. After I renewed for 2014 I received Warren Buffet's shareholder letter and all became clear. Next year I will be moving a Amica. pg 7 "If our premiums exceed the total of our expenses and eventual...
by frequentT
Thu Sep 18, 2014 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Next Door
Replies: 26
Views: 4881

Re: Retiree Next Door

The Bogleheads are an exceptionally savvy group when it comes to money. They know how to invest, how to budget, and how project cash flow. Most know how to maximize their spending in ways that maximizes happiness. I am guessing the area where we all can improve is increasing our health, and living a...
by frequentT
Sat Sep 13, 2014 7:45 pm
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 7107

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Boquette, Panama: meets all your criteria + pleasant climate
by frequentT
Fri Jul 04, 2014 12:21 pm
Forum: Personal Consumer Issues
Topic: Decumulation accounts, Open Fidelity Cash MGT?
Replies: 8
Views: 1168

Re: Decumulation accounts, Open Fidelity Cash MGT?

Hello LiveSoft: I do not use the CMA account in this way, or expect it to be this accurate, time-wise. It could have something to do with the 'receivers' electronic process/completion. The full view side has this type of accuracy to track transactions (every time you 'refresh'). Since I check full v...
by frequentT
Fri Jul 04, 2014 11:37 am
Forum: Personal Consumer Issues
Topic: Decumulation accounts, Open Fidelity Cash MGT?
Replies: 8
Views: 1168

Re: Decumulation accounts, Open Fidelity Cash MGT?

I cannot say enough good things about how well Fidelity can help you manage your financial life. Their system is transparent, flexible, easy to use and help is just a phone call away. Best of all, you can see all transactions at one site. We have a fairly complex financial life; Fido's capabilities ...
by frequentT
Wed Jun 11, 2014 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: When to take a Non-COLA Pension
Replies: 17
Views: 1557

Re: When to take a Non-COLA Pension

Additionally, it is a little known fact that companies sometimes do not correctly calculate pension payouts correctly. I have a friend who is a plan manager in an actuarial firm who has seen mistakes from client company's HR departments. As DB pensions have become a rarity, HR benefit expertise has ...
by frequentT
Wed Jun 04, 2014 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: When to take a Non-COLA Pension
Replies: 17
Views: 1557

Re: When to take a Non-COLA Pension

Value Thinker makes some good comments: not many people are willing to delay SS >66. If you did, that is very valid. Also, have you gathered the survivors options? If your spouse needs to have the income and you are allowed a joint life payout, it could impact your decision. Additionally, it is a li...
by frequentT
Sun May 11, 2014 9:54 pm
Forum: Personal Consumer Issues
Topic: Why do these people want to buy my home?
Replies: 24
Views: 5153

Re: Why do these people want to buy my home?

I receive these letters at least 1x a year for an investment property that I own. When I have time I reply with the following form letter--never received a reply, but at least I give them something to do......... +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++...
by frequentT
Wed Apr 09, 2014 4:36 pm
Forum: Personal Consumer Issues
Topic: Property and Causalty Insurance
Replies: 4
Views: 520

Re: Property and Causalty Insurance

Thanks for the suggestions! The comparison chart of companies was helpful; it is more or less in-line with other ratings I have seen for autos. Though I did not word my request carefully enough, I am looking for a fill-in myself spreadsheet to compare quotes by line item and perhaps qualitative info...
by frequentT
Wed Apr 09, 2014 12:19 pm
Forum: Personal Consumer Issues
Topic: Property and Causalty Insurance
Replies: 4
Views: 520

Property and Causalty Insurance

I am beginning a search for alternative insurance carriers. I have been a State Farm policy holder since 1982. State Farm has increased our HO policy by 15%+ pa for the last 3 years. Last year, I moved our umbrella policy to Marsh (corp. group policy) due to the same price increase issues. We have n...
by frequentT
Tue Apr 08, 2014 10:47 am
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 89041

Re: Mr. Money Mustache: Hero or Foolish?

How could you not like this guy? He has a philosophy, a point of view, and he sticks to it. Many people, particularly those starting careers with debt could learn a lot from him. Many of the young material accumulators will be a long time realizing there is an alternative approach. MMM should be rec...
by frequentT
Mon Mar 31, 2014 9:28 pm
Forum: Personal Consumer Issues
Topic: Purchasing New Tires for Car and Need Suggestions
Replies: 38
Views: 3962

Re: Purchasing New Tires for Car and Need Suggestions

I recently bought Pirelli tires at Discount Tire after some diligent shopping. I am usually not a performance tire guy, however, Nissan specified this size and speed rating for my AWD vehicle. I do a good bit of highway driving, mountain driving and occasionally drive in snow on ski trips. 2500 mi. ...
by frequentT
Mon Feb 24, 2014 10:15 pm
Forum: Personal Consumer Issues
Topic: Unexpected vacation opportunity.
Replies: 13
Views: 1844

Re: Unexpected vacation opportunity.

What an opportunity!

Australia is the place: overnight flight from CA, all of tour outdoor sports can be done there with excellent infrastructure/support.

Very friendly natives!
by frequentT
Thu Feb 06, 2014 10:28 pm
Forum: Personal Consumer Issues
Topic: Your Experience With Costco Mail Order Pharmacy?
Replies: 10
Views: 1640

Re: Your Experience With Costco Mail Order Pharmacy?

Both Costco retail and mail order can beat our insurance plan often on price for generics. Mail order Costco is easy to deal with and offers very prompt fulfillment and shipping. Don't hesitate to use them.
by frequentT
Fri Dec 27, 2013 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Buying individual bonds for retail investor
Replies: 93
Views: 5252

Re: Buying individual bonds for retail investor

All of your requirements can be done via the Fidelity website. There are adequate new issue bonds to build your portfolio over time. Their bond portfolio analysis tool is excellent and will allow you to slice and dice your portfolio to look at it in a way that works for you. Graphic or tabular. They...
by frequentT
Sun Dec 08, 2013 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Pharmaceutical Co-pay Coupon
Replies: 11
Views: 1042

Re: Pharmaceutical Co-pay Coupon

None of the parties to this RX transaction own the high moral ground: Medicare/the government taxpayer/voter the insurance company the pharmacy the pharmaceutical manufacturer They all have their own perverse reasons for behaving the way that they do. The physician accepts the coupon in order to hel...
by frequentT
Mon Dec 02, 2013 5:39 pm
Forum: Personal Consumer Issues
Topic: buying car from dealership not close to your house?
Replies: 39
Views: 3140

Re: buying car from dealership not close to your house?

I have shopped away from the closest the last 2x and would not hesitate to do it again: Purchased: Volvo= 140 mi. for $1150 savings Nissan= 35 mi for $1270 Both local service departments have been very happy to have the business, particularly the Volvo dealer. I have only been to the Nissan dealer o...
by frequentT
Fri Nov 29, 2013 12:07 pm
Forum: Personal Consumer Issues
Topic: AWD (All Wheel Drive): cost and safety
Replies: 20
Views: 2288

Re: AWD (All Wheel Drive): cost and safety

I was shopping for a rwd Nissan, however, the dealer offered awd for the same price and I took it. About 1 mph less.

IMO, if you are in snow just 1-2x a year, its worth it. We have had the fwd capability pull us out of parking sports where the rw could not get traction.
by frequentT
Thu Nov 28, 2013 7:09 pm
Forum: Personal Consumer Issues
Topic: Eyeglass Lenses @ Costco
Replies: 29
Views: 16328

Re: Eyeglass Lenses @ Costco

Costco Optical is excellent. Staff is well trained and aim to please. We have given them challenging assignments and they have been able to meet them all: from single vision, progressives, adjustments for computer monitors, RX sunglasses, high refractive index lenses. Experts I know in the field tel...
by frequentT
Mon Nov 25, 2013 3:35 pm
Forum: Personal Consumer Issues
Topic: COBRA Questions
Replies: 19
Views: 2119

Re: COBRA Questions

I have been in this situation 3x and can give you input from a lot of experience with corp. supplied healthcare. 1. Yes, there is opportunity to 'game the system' or I would be more professional, and say 'hedge your bets' or PROTECT your family, and your budget, whatever gaming is required. 2. Corp....

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