Search found 313 matches

by furikake
Thu Apr 02, 2020 3:34 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 279
Views: 21020

Re: Are you still going to the grocery store or using a delivery service? Which?

I went to Costco and Sam's Club 2 days ago, in mid afternoon. A lot of people had masks and gloves on, but people didn't care about social distancing at all, and there was this one guy who just coughed quite a bit without covering up. I left that aisle right away. Costco was busier than Sam's Club. ...
by furikake
Mon Mar 16, 2020 3:42 pm
Forum: Personal Consumer Issues
Topic: Take out food vs COVID 19
Replies: 95
Views: 6554

Re: Take out food vs COVID 19

As long as the person who prepares your food is not infected, you should be ok. What I've done the last 2 times I went out was that I got home, washed my hands, wiped all the door handles and everything I touched, threw all my clothes in the washer and then went shower right away. :-D I also marked ...
by furikake
Wed Feb 26, 2020 7:51 pm
Forum: Personal Consumer Issues
Topic: How Do you Exercise Indoors?
Replies: 127
Views: 9613

Re: How Do you Exercise Indoors?

I used to do BodyBoss (Canadian fitness program) and rowing on my c2 rower, until I was diagnosed with my neck problems and also bicep tendonitis, I can't do BodyBoss and I can't row anymore until at least my bicep is healed to row again. So now I do the Peloton cycling. I don't have a Peloton bike,...
by furikake
Mon Feb 24, 2020 4:10 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13451

Re: Do you ever use cash?

There's a local restaurant that takes cash only, I go there once a week. And sometimes I buy homemade stuff from a friend, she takes cash only. Other than that, I don't use cash. I don't like touching dollar bills or coins, makes me feel dirty. :D
by furikake
Thu Feb 13, 2020 3:37 pm
Forum: Personal Consumer Issues
Topic: Iphone cords / cables
Replies: 51
Views: 4027

Re: Iphone cords / cables

I find that the Anker ones with lifetime warranty are the best one, second is AmazonBasics. I broke all of the other ones including Apple's but these Anker ones are super strong. I also pull on the cable instead of the connector, but the Anker ones last, we haven't had to call in on the lifetime wa...
by furikake
Thu Feb 13, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: Iphone cords / cables
Replies: 51
Views: 4027

Re: Iphone cords / cables

I find that the Anker ones with lifetime warranty are the best one, second is AmazonBasics. I broke all of the other ones including Apple's but these Anker ones are super strong. I also pull on the cable instead of the connector, but the Anker ones last, we haven't had to call in on the lifetime war...
by furikake
Mon Feb 03, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 146
Views: 10864

Re: Books that changed your life

I've read quite a few that you guys mentioned in my early days. "The Secret" was what I read when I was at the lowest point in my life and it really helped me get back up.
by furikake
Thu Jan 30, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: Early retirement - Long term "successes"
Replies: 75
Views: 7281

Re: Early retirement - Long term "successes"

Google for Paul and Vicki Terhorst. One article: https://www.nextavenue.org/30-years-ago-they-retired-35-update/ "30 Years Ago They Retired at 35: An Update Globetrotter Paul Terhorst and his wife Vicki are loving their lives Paul Terhorst, a frugal Peat Marwick accountant who retired at 35 in 1984...
by furikake
Wed Jan 29, 2020 12:35 am
Forum: Personal Consumer Issues
Topic: First time coffee roasting
Replies: 18
Views: 1586

Re: First time coffee roasting

You definitely don't want to use the oven. I'd say if you want to roast without any special equipment, not even a popcorn popper, use a pan to roast outside, keep stirring until you get the roast you want. There will be smoke.
by furikake
Fri Jan 24, 2020 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Buy House with Cash OR Mortgage and invest
Replies: 24
Views: 1891

Re: Buy House with Cash OR Mortgage and invest

The 4% is for a 30-year retirement. You think you'll die at 74? What if your portfolio goes down by 30-50%, are you ok staying retired with less to spend? What if ACA is gone and you have to pay full price? No furikake, I am not planning to die at 74 but will be eligible to withdraw from IRA and RO...
by furikake
Thu Jan 23, 2020 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Buy House with Cash OR Mortgage and invest
Replies: 24
Views: 1891

Re: Buy House with Cash OR Mortgage and invest

The 4% is for a 30-year retirement. You think you'll die at 74? What if your portfolio goes down by 30-50%, are you ok staying retired with less to spend? What if ACA is gone and you have to pay full price?
by furikake
Thu Jan 16, 2020 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: How high is health insurance going to go?
Replies: 79
Views: 6360

Re: How high is health insurance going to go?

No predictions. Our HDHP plan is $1500/month also, I'm glad we don't have an individual plan, otherwise the docs I went to see for my new condition last year would all be out of network. It's hard to early retire with this health care climate.
by furikake
Tue Jan 07, 2020 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Business owners
Replies: 2
Views: 267

Re: Business owners

I went to all the networking meetings I could find to get to know people and build relationships. After going for a while and got my business up and running, I didn't have time to go anymore so I quit going. As to how much to allocate to reinvest, I actually didn't know if I was going to make it. I ...
by furikake
Tue Jan 07, 2020 4:01 pm
Forum: Investing - Theory, News & General
Topic: What do you guys think about a career in insurance sales?
Replies: 80
Views: 5622

Re: What do you guys think about a career in insurance sales?

What about being a fitness coach at Peloton? I see new coaches popping up from time to time on the app, and they're all over the globe.
by furikake
Tue Jan 07, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 266
Views: 17489

Re: How do YOU make coffee?

I roast my own coffee, rest the beans for a day and then use them. I use a burr grinder, and depending on what I want, I use my 21-year old espresso machine, or aeropress, or Chemex, or single cup drip, or french press. The tastiest is probably from the espresso machine, second is aeropress.
by furikake
Mon Jan 06, 2020 12:34 am
Forum: Personal Consumer Issues
Topic: Fridge water filter good enough?
Replies: 47
Views: 4268

Re: Fridge water filter good enough?

Surprised you need both RO and whole house filter? I now understand why my GC said 'your on your own' with all this water stuff. Gets complex!! The whole house filter is to filter out the chlorine and chloramines that the water district uses to disinfect the water, they dry out my skin to a point t...
by furikake
Sat Jan 04, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: Fridge water filter good enough?
Replies: 47
Views: 4268

Re: Fridge water filter good enough?

I don't think the fridge filter does anything that you can taste the difference on. Get an RO system, totally worth it. We use APEC http://freedrinkingwater.com . I don't like salt in my water, we don't have a softener, but we do have a whole house filter filtering out chlorine and chloramines, and ...
by furikake
Tue Dec 31, 2019 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: To what do you owe your ability to forego spending now and save for your future?
Replies: 116
Views: 5113

Re: To what do you owe your ability to forego spending now and save for your future?

I had a long commute at my first job out of college, and I borrowed a lot of audio books from the library to listen to in the car, one of them was Millionaire Next Door.
by furikake
Fri Dec 27, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Sell house with minimum fixes or built a new one and sell
Replies: 15
Views: 1058

Re: Sell house with minimum fixes or built a new one and sell

I think it's too much of a risk to take on unless you don't mind your money being tied up if it takes a long time to build and a long time to sell. Or if the real estate market goes down, you may even lose money. But if you're willing to take the risk and wait it out if you need to, then go for it.
by furikake
Thu Dec 19, 2019 1:09 pm
Forum: Personal Investments
Topic: May I expedite early retirement?
Replies: 71
Views: 7378

Re: May I expedite early retirement?

What about income tax when you retire? Will it be $0?
by furikake
Wed Dec 11, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Which iPhone would you buy today?
Replies: 102
Views: 7516

Re: Which iPhone would you buy today?

I'd buy the latest and greatest and the largest capacity since I keep my phones for a long time.
by furikake
Tue Dec 10, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: Eyeglasses: Warby Parker or Costco?
Replies: 33
Views: 3521

Re: Eyeglasses: Warby Parker or Costco?

I like Warby Parker! With my Vision insurance, I only pay $25 for a whole pair of glasses at Warby. They include all the options like anti reflective coating, anti scratch, polycarbonate lenses, etc. everything in their price so you don't have to pay extra. My eye doctor did the prescription a littl...
by furikake
Tue Dec 10, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Airfryer 2019
Replies: 18
Views: 1570

Re: Airfryer 2019

Or consider this: Instant Pot + Air Fryer. I don't have this. I have an air fryer that I got when it first got popular years ago, I used it a few times and then it's been in my cabinet since. Instant pot I do use quite often.
by furikake
Sun Dec 08, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: ACA policies - how do you pay for a $0 policy?
Replies: 10
Views: 1114

Re: ACA policies - how do you pay for a $0 policy?

When you get a $0 policy after subsidy, you don't have a bill to pay. So there is nothing for you to do when you receive the bill.
by furikake
Fri Nov 22, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: Blenders Not Hard to Take Apart
Replies: 6
Views: 529

Re: Blenders Not Hard to Take Apart

I have a Blendtec. I've had it for more than 10 years now. There's nothing to take apart besides the lid from the blender jar. Make sure you get the WildSide jar.
by furikake
Mon Nov 18, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: At What Point Did You Realize You Made It?
Replies: 48
Views: 8620

Re: At What Point Did You Realize You Made It?

1. You're doing great, but keep going.
2. Not at all.
3. Not there yet, perhaps 100x of our expenses.
4. You have not made it yet, keep going, you're doing great!
by furikake
Wed Oct 30, 2019 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 13875

Re: Apple Pay. Does anyone use it?

I don't have the Apple credit card, but I do use Apple Pay. Don't have to pull out my wallet or my phone, only need my watch. Very convenient!
by furikake
Tue Oct 22, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Impact of filing a claim under home owners policy
Replies: 10
Views: 1035

Re: Impact of filing a claim under home owners policy

I have State Farm also, had a large hail damage claim, premium did go up some but not more than anyone else's here since almost everyone had the same claim as us. Had a smaller claim years ago on a chimney, premium didn't go up because of that either. Have been with State Farm for more than 25 years...
by furikake
Tue Oct 22, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13525

Re: Ok to go without health insurance?

I wouldn't consider self-insure unless I had at least $100mil. Mid 7-figure is not enough to self-insure. I know of a guy who had $10mil and thought he was rich and dropped his insurance. His wife got cancer, he spent all his life savings on his wife's medical bills. She died. He had nothing left at...
by furikake
Mon Oct 21, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: Wifi in 3000 sq ft house and garage
Replies: 41
Views: 3976

Re: Wifi in 3000 sq ft house and garage

We have a Netgear Orbi, it's got 3 things, not sure what they're called since dh set it up, so we placed them at 3 different places, about equal distance, it switches automatically to the closest one when you walk from one end of the house to another. Our house is about 5000 sqft, one story. We used...
by furikake
Sun Oct 13, 2019 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 102
Views: 9808

Re: Vanguard keeps pushing their financial advisors...why?

Maybe I don't have enough money, but they never email me ads. When I occasionally login to their website I see ads on their homepage, but none in the app. So far it hasn't gotten close to a level that bothers me. Maybe that's the solution... have less money. 😄 :mrgreen: Same here! I don't get the e...
by furikake
Sun Oct 13, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Creating a Business to get Small Business Healthcare
Replies: 3
Views: 505

Re: Creating a Business to get Small Business Healthcare

Creating a small business for the sole purpose of getting small group health insurance I think is unethical. I have a small business first for quite a few years before I established my small group health insurance plan. I do have more choices compared to Individual plans. Prices are better as well c...
by furikake
Sun Oct 13, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: What workout equipment to get?
Replies: 63
Views: 5524

Re: What workout equipment to get?

If you have to get a piece of cardio equipment, I'd recommend a c2 rower. I don't use my bike or the elliptical much at all, but I use my rower for cardio. It tells me that I burn less calories compared to the elliptical but I feel like I get a better workout with the rower. For strength training, I...
by furikake
Fri Oct 04, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 10734

Re: How old is your cellphone?

My original phone would have been 5 years old but when I took it in late last year for Apple to replace the battery, they broke it and gave me a new phone.
by furikake
Tue Oct 01, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Willingly going from lucrative job to unemployed?
Replies: 132
Views: 15423

Re: Willingly going from lucrative job to unemployed?

You sound like how I was when I was 32. I did walk away from tech, I thought I would miss it but I did not, I was just so done with it. I did keep all the books and stuff for 3-4 more years and then got rid of them all. I could have retired then, but I wasn't ready, so I started a new business in a ...
by furikake
Sun Sep 29, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: What is protocol for cleaning house when moving?
Replies: 49
Views: 3689

Re: What is protocol for cleaning house when moving?

The last house we sold was the house we lived in for almost 20 years. We painted the house outside and inside and filled in all the holes and caulked the whole house, fixed everything, changed out burned out light bulbs, etc. when we listed it. Then we hired a cleaner to deep clean the house, and al...
by furikake
Tue Sep 24, 2019 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: College Student Internships
Replies: 45
Views: 2473

Re: College Student Internships

I was in Computer Science, in my junior year, I got an internship, this was like 26 years ago, the pay was $25/hour. It was a good experience to see the real world, but I really didn't do anything productive at the internship. I'm still in touch with my mentor I had at the internship. What really he...
by furikake
Tue Sep 24, 2019 11:05 am
Forum: Personal Investments
Topic: I am being asked to retire. Am I ready?
Replies: 84
Views: 11136

Re: I am being asked to retire. Am I ready?

How do you get ACA subsidy when your annual expenses are $118k+income tax+health insurance? The income limit for this coverage year is less than $65,840 for a couple to qualify for subsidy.
by furikake
Fri Sep 20, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement - not worry about withdrawal rate, but focus on portfolio size?
Replies: 69
Views: 6627

Re: Early retirement - not worry about withdrawal rate, but focus on portfolio size?

As long as you're okay going back to work at 80 and hope that someone will hire you.
by furikake
Wed Sep 18, 2019 1:32 pm
Forum: Personal Investments
Topic: Primerica
Replies: 20
Views: 1397

Re: Primerica

Another MLM type like Primerica is World Financial Group, now they use the name Transamerica thinking people don't realize who they really are. Stay away from them, they will only do what's right for them to make the most commission off of you and get all your contacts, that's how they make money, t...
by furikake
Fri Sep 13, 2019 9:02 pm
Forum: Personal Consumer Issues
Topic: What dish soap do you use?
Replies: 54
Views: 3487

Re: What dish soap do you use?

A friend of mine recently gave me a sponge thingy from Asia, this thing can hold dish soap for a long time. I do the same one squirt and I can clean the whole sink of dishes (I only do pots and pans mostly by hand, but regular dishes and utensils in dishwasher). When I was using the blue sponge with...
by furikake
Wed Sep 11, 2019 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone offer ultra-high deductible insurance plans?
Replies: 17
Views: 1773

Re: Does anyone offer ultra-high deductible insurance plans?

I think it depends on your state. We have State Farm too, and our deductible is higher than yours, and we can go even higher if we choose to.
by furikake
Mon Sep 02, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Small business health plan through ACA question
Replies: 5
Views: 443

Re: Small business health plan through ACA question

So are there any advantages? Pre tax payment of premiums? Your saying unsubsidized cost is the same personal or business? Also, my understanding is that the employee can’t be a spouse, partner, etc. Any way around this? The advantage is that your business is paying for the insurance premium which i...
by furikake
Mon Sep 02, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Small business health plan through ACA question
Replies: 5
Views: 443

Re: Small business health plan through ACA question

I read about small business health plans through the ACA which allow pretax payments and offer comprehensive benefits: https://www.pressreader.com/usa/chicago-tribune/20190902/281788515736574 Does anyone use a such a plan? If so, what would be the costs for say for a middle aged adult and family wi...
by furikake
Thu Aug 29, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: HRA for S corp owner?
Replies: 3
Views: 231

Re: HRA for S corp owner?

Spirit Rider wrote:
Thu Aug 29, 2019 5:04 pm
Some issues.

A general purpose medical HRA makes the individual ineligible to make HSA contributions.

An S-Corp 2% shareholder-employee can not receive pre-tax health and welfare benefits.
My company contributes to my husband's HSA, not mine. Is there still a way to do some kind of HRA?
by furikake
Thu Aug 29, 2019 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: HRA for S corp owner?
Replies: 3
Views: 231

HRA for S corp owner?

I have an S corp, 100% owner, my husband works in the company. We are the only 2 employees, and we're both W2 full time. We have group health insurance through the business, we each have our own plan (HSA). I'd like to have an HRA to pay for some qualified expenses, but have not found a way to do it...
by furikake
Wed Aug 28, 2019 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: S Corp payroll co for single owner/employee?
Replies: 38
Views: 5662

Re: S Corp payroll co for single owner/employee?

I thought HSA contribution was not a tax deductible item for S-corp owners, when did that become tax deductible?
by furikake
Tue Aug 27, 2019 1:38 am
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 119
Views: 10689

Re: Coffee becomes cold too soon

So I was searching and looking at different mugs. What about Ceramic travel mugs like this one? Do these keep warm as well as the stainless steel ones (Yeti, Ozark) mentioned above: https://www.amazon.com/dp/B002Q3Z22U/ref=psdc_13218451_t1_B018UX11NS https://i.imgur.com/Wxey7mO.jpg Thanks. They don...
by furikake
Sun Aug 25, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 151
Views: 10174

Re: The cost to talk to a doctor

I've had an HDHP for a long time now. I always ask about how much an office consultation would cost, and if they were going to do labs, then the total would be more. I know my PCP charges around $83, an orthopedic surgeon I went to who also did x-ray for me charged me $144, another orthopedic surgeo...
by furikake
Wed Aug 14, 2019 1:15 am
Forum: Personal Finance (Not Investing)
Topic: House purchase (cash)... wire transfer or cashier's check?
Replies: 32
Views: 3435

Re: House purchase (cash)... wire transfer or cashier's check?

Your wire may take more than a day to arrive, if you're doing wire, it's best to do it a day or two before closing otherwise you may not be getting the keys.