Search found 1112 matches

by Shallowpockets
Tue May 07, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs Kaiser HMO
Replies: 25
Views: 1282

Re: HDHP vs Kaiser HMO

Recent Kaiser visit for aspiration per U/S. Doctor in room while US tech does her thing. Doc says I don't see anything to aspirate. No sense in possibly creating a problem. I agreed. Doc says, did you pay a copay today?" I say, "yes, I did." Doc says, "I'll get that back for you". Gives me a form si...
by Shallowpockets
Tue May 07, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Backpacking/study abroad for young folks
Replies: 31
Views: 2003

Re: Backpacking/study abroad for young folks

Backpacking abroad for a summer in Europe. There goes your son/daughter off on their own. Staying in hostels. Pretty cool. Meeting other people. First London. Nice hostel, parties on all night long. Lots of drinking. Meeting new (same) people as them, now let loose. Then Amsterdamn. Another nice hos...
by Shallowpockets
Tue May 07, 2019 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Remind me why we have Medicare supplement
Replies: 23
Views: 3175

Re: Remind me why we have Medicare supplement

A friend periodically calls me with this question, why get a supplement or Advantage plan if the cost is more than you would actually pay in most situations? This time her SO had back surgery and the hospital bill came out to exactly what it would have been as an Advantage co-pay. We do not have a ...
by Shallowpockets
Mon May 06, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: Bathroom Remodel - Looking for Advice
Replies: 56
Views: 4002

Re: Bathroom Remodel - Looking for Advice

We redid our shower using Lowes. We used the Onyx Collection. Durable, nice looking, low maintainence. One piece walls and pan. No grout at all. Very pleased. We did away with the tub and had only shower put in. In reality a tub is not ever used and it is a fall risk getting in and out as you age. W...
by Shallowpockets
Mon May 06, 2019 6:26 am
Forum: Personal Consumer Issues
Topic: ants - aargh
Replies: 69
Views: 3881

Re: ants - aargh

Have you done anything to address what is drawing the ants in? Trying to plug up holes and place traps will help, but they’ll likely keep finding their away around unless you can get rid of whatever is attracting them. They go to the cat's food dishes. I don't know what to do about that. No other f...
by Shallowpockets
Sun May 05, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Perspective [How much is left for spending in retirement?]
Replies: 47
Views: 3981

Re: Perspective [How much is left for spending in retirement?]

On and on here. OP thinks that that 1 million is not really worth that. What to do. If in the accumulation phase, you do as BHs do. You save. Maybe all your savings equals 1 mil at retirement. That's it. You save and then you retire. What you save is irrelevant if you are maxing out your savings. Yo...
by Shallowpockets
Sun May 05, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Outdoor Jacuzzi - Cost vs Value?
Replies: 22
Views: 2329

Re: Outdoor Jacuzzi - Cost vs Value?

You could do a trial and see if it gets enough use to warrant such an expense. We had a Coleman inflateable hot tub and it was great. About $300 on Amazon. What's to not like here. It came and I inflated it on the backyard lawn. Right on the grass. Filled it and the next morning it was good to go at...
by Shallowpockets
Sun May 05, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Denver in August
Replies: 21
Views: 1628

Re: Denver in August

One day in a place equals two nights to do it. Factor in driving time, which should include stops, making it longer. It is easy to stop at overlooks and such in Colorado if you have not ever been in such a place. You have eight days. Do your math. August is high season. You had better plan now for y...
by Shallowpockets
Sat May 04, 2019 3:27 pm
Forum: Personal Investments
Topic: Too much stock!
Replies: 10
Views: 1569

Re: Too much stock!

I am in a similar boat, but not out of proportion. Sitting on LTCG of a considerable amount. I have run tax scenarios. I don't think you can beat the taxes short of charitable donations, whereby you are losing it anyway from your pocket. I have state taxes as you do. I am reconciled to either going ...
by Shallowpockets
Sat May 04, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Gain when selling your house - IRS reporting and reconciling?
Replies: 10
Views: 947

Re: Gain when selling your house - IRS reporting and reconciling?

I was very surprised that the Title Company did not report a 1099-S on the sale of my wife's house a couple of years ago after asking for her SS # which I assume was for that purpose. I kept waiting for the 1099-S to arrive and it never did. The sale price was $149k so maybe there is a threshold th...
by Shallowpockets
Sat May 04, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Birthday party- No gifts
Replies: 42
Views: 3062

Re: Birthday party- No gifts

I am not sure I get it. Is the question about ignoring completely what the host wants? If they wanted gifts why would they bother to write on the invitation at all? Because the gifting (and tipping) culture in this country is INSANE . My wife buys pretty much everybody she has ever met gifts for th...
by Shallowpockets
Sat May 04, 2019 11:58 am
Forum: Personal Investments
Topic: 76 year old widowed mother needs investment advice
Replies: 19
Views: 1749

Re: 76 year old widowed mother needs investment advice

Your mother sounds like a worrier, no matter what. Some people are like that. Here's the truth. She has had her money at 1.1m 7 years ago and it has grown to 1.6 million. Almost 50% return. If she cannot see that that is very good and thinks she must do better than that is the worrier part of it. An...
by Shallowpockets
Sat May 04, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: How soon to close credit card that was used for churn?
Replies: 24
Views: 1846

Re: How soon to close credit card that was used for churn?

Are there implications on closing the card with the miles in there? Or are the miles safe even when the card is closed? It depends on the card. If it is something like a UAL or AA card, they are in your airline account and closing the card has no impact (make sure they posted first though). If it s...
by Shallowpockets
Sat May 04, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: How soon to close credit card that was used for churn?
Replies: 24
Views: 1846

Re: How soon to close credit card that was used for churn?

Are there implications on closing the card with the miles in there? Or are the miles safe even when the card is closed?
by Shallowpockets
Sat May 04, 2019 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Settlement options for a special needs minor about to receive personal injury award
Replies: 28
Views: 1452

Re: Settlement options for a special needs minor about to receive personal injury award

This is found money from a settlement from bad dental work. She stills needs dental work. At what age would that be all right to start doing? I would think that would be a priority. Bad teeth can have consequences that accelerate. Plus there is a social side to bad teeth, both on self image and how ...
by Shallowpockets
Sat May 04, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: Can anyone give me a ball park estimate on this roof repair?
Replies: 19
Views: 2146

Re: Can anyone give me a ball park estimate on this roof repair (pictures included)?

Go on YouTube. Probably plenty of material there for DIY. That's the first thing I would do. Probably take less time then waiting for nebulous answers on this forum. At least you may then know how to value a repair if you could find a handyman who is going to go on YouTube himself. Most roofer would...
by Shallowpockets
Fri May 03, 2019 12:45 pm
Forum: Personal Investments
Topic: Effect of capital gains on your income tax and deductions
Replies: 4
Views: 563

Re: Effect of capital gains on your income tax and deductions

You Had better invest in a Taxcut or HR Block program whereby you can run scenarios. Easy to do.
by Shallowpockets
Fri May 03, 2019 12:42 pm
Forum: Investing - Theory, News & General
Topic: Berkshire buying stake in Amazon - my opinion
Replies: 55
Views: 5779

Re: Berkshire buying stake in Amazon - my opinion

Look at TSLA. Even that flighty stock with Musk and his tweets has not bombed. It has bombed for people (me) who bought it 10 months ago at $359 and are now holding it at $249. TravelforFun Sorry to hear that. I consider TSLA a trade stock, not a hold stock. You are down 14%. TSLA has gone down and...
by Shallowpockets
Fri May 03, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: Europe with teens - hotel options
Replies: 41
Views: 2357

Re: Europe with teens - hotel options

You should know that in Europe you frequently encounter bathrooms that are small with showers that you cannot bend down to pick up the soap. These bathroom showers are small enough that a typical obese American will have a very hard time of it. Not even morbidly obese, just a typical overweight pers...
by Shallowpockets
Fri May 03, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: Birthday party- No gifts
Replies: 42
Views: 3062

Re: Birthday party- No gifts

We used to go without gifts honoring the host request. Alas, at the party, everyone still got one and the hosts accepted them. Especially when it is a drop off my kids came back asking why they did not carry gifts when others did. I now do the "play it by ear" thing and keep one in car just in case...
by Shallowpockets
Fri May 03, 2019 7:56 am
Forum: Investing - Theory, News & General
Topic: Berkshire buying stake in Amazon - my opinion
Replies: 55
Views: 5779

Re: Berkshire buying stake in Amazon - my opinion

He's Warren Buffet and you are not. Not every decision in investment life is going to be a home run. Maybe he doesn't need a home run. I have AMZN and for me it is, so far, in after hours, a big pop in the stock. Look at TSLA. Even that flighty stock with Musk and his tweets has not bombed. There is...
by Shallowpockets
Fri May 03, 2019 7:43 am
Forum: Personal Consumer Issues
Topic: Birthday party- No gifts
Replies: 42
Views: 3062

Re: Birthday party- No gifts

How many times do you ignore a host request? Do you wear jeans when the wedding is "black tie"? I think your reasoning is that you will feel small if you show up without a gift and other attendees ignore the host and do show up with gifts. So it is not about the party and the host, but about you. We...
by Shallowpockets
Fri May 03, 2019 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Dumb idea? [buy a condo to rent]
Replies: 37
Views: 3262

Re: Dumb idea? [buy a condo to rent]

You answered yourself in the title. Dumb idea. For many reasons mentioned here and for numerous other threads all the time on here regarding rental property and vacation homes. Then again, buck the trend and go for it. You are young enough to learn from the experience and can post in latter years ab...
by Shallowpockets
Wed May 01, 2019 10:43 am
Forum: Personal Investments
Topic: Lucky?
Replies: 34
Views: 3141

Re: Lucky?

If you are up 225% on CMG, then you bought it last March. That would be a long term gain. Take it. That's a real good deal. Buy the company, but sell the symbol with that gain.
by Shallowpockets
Wed May 01, 2019 9:14 am
Forum: Personal Investments
Topic: Lucky?
Replies: 34
Views: 3141

Re: Lucky?

You have your stocks up very well. But you don't intend to sell. Therein lies your devil. FOMO is on you and it seems you cannot be satisfied with your gains. You want more.
FOMO = MO
Been there, done that.

Time will tell.
by Shallowpockets
Tue Apr 30, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 73
Views: 6102

Re: out of network emergency visits. Huge bill!!!

There are too many urgent care centers now. They have popped up here like mushrooms. The "other countries" referred to here would not have such a choice. You would only go to the hospital. So here we have choices. It is tough that not all of them are in network. Due diligence is paramount. Just as i...
by Shallowpockets
Tue Apr 30, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: save on interest by paying down mortgage principal
Replies: 68
Views: 5995

Re: save on interest by paying down mortgage principal

You did do a smart thing. I did the same. My interest rate was 7 3/8. It is uplifting as others have said, to move forward on your mortgage. You can do all sorts of calculations. In the end you are ahead of the curve for your mortage and you have saved that interest and time. I also calculated an $8...
by Shallowpockets
Tue Apr 30, 2019 10:26 am
Forum: Investing - Theory, News & General
Topic: Get off the Merry Go Round
Replies: 7
Views: 1726

Re: Get off the Merry Go Round

I undestand the point of your post. What I don't understand is taking a hit on the spread. This point has been mentioned before on other posts and I have never understood the premise. If you had to sell, as you state, relating it to a hit on the spread, are you talking about a spread between your or...
by Shallowpockets
Mon Apr 29, 2019 6:49 am
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 9300

Re: EXTREMELY frugal things from our parents and grandparents

Let's move on from this depression era frugality. It is a new century. We have heard most all of this before. Those people will be gone. Those times are gone. How about we hear from people how they themselves might be percieved by the gen x or millenials? How about hearing about how they lived in a ...
by Shallowpockets
Sat Apr 27, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: How to define wealth
Replies: 51
Views: 4711

Re: How to define wealth

Wealth could be having a reserve as a fall back position from what you need. Take it like this. Person A retired with six figures in assets. Lives off SS and pension. Person B retired, no assets, lives on SS and pension. Person A is wealthy because they have money to tap into should the need arise. ...
by Shallowpockets
Mon Apr 22, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Living Overseas for 4 Months/Year for Regional Travel (Retirement)
Replies: 75
Views: 5092

Re: Living Overseas for 4 Months/Year for Regional Travel (Retirement)

Let's see. Rent a house near Bangkok, but go visit China, NZ, Australia, etc because they are closer. Paying for the Bangkok rental while visiting these other countries. Why? Why not go for four months on a trip to these other places? What's it going to be. House rental Bangkok for a few weeks, then...
by Shallowpockets
Mon Apr 22, 2019 12:14 pm
Forum: Personal Investments
Topic: Getting through a 2008-like crash during retirement
Replies: 38
Views: 4927

Re: Getting through a 2008-like crash during retirement

Worry, worry, worry. Not a good thing to dwell on. There is only so much you can do. Do it, that which is within your power. You need to stick to your plan and excecute it. If 2008 happens again and lingers for recovery, we are all in that same boat. You only need to get through the crash and the re...
by Shallowpockets
Sun Apr 21, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Montana / Wyoming Summer Trip Ideas
Replies: 29
Views: 2282

Re: Montana / Wyoming Summer Trip Ideas

You could try and reserve in the park, but likely you will not get a space. Someone said ASAP and that means now, as in sign off BHs and do it now. Make sure the dates are for 2019 because the NPS calendar may default to May June 2020 due to people reserving for that time frame already.
by Shallowpockets
Thu Apr 18, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: Is it worth renting a car in Vegas?
Replies: 22
Views: 1752

Re: Is it worth renting a car in Vegas?

Do 5 and 7 year olds typically need a car seat? If so, it sounds like a car rental would be good. As you know there can be a lot of walking in Vegas. $15 day parking sounds steep. Is that e new thing in Vegaz, pay parking at the casinos? I have not been there for 3 years.
by Shallowpockets
Tue Apr 16, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 65
Views: 3821

Re: Newbie international traveler

I use a Scwab debit card. Reimbursed ATM fees. However, I am writing this to address security that many people have about their cards. I plan on the approximate amount I will need to withdraw in total per ATM during a trip. I only have about that amount plus a buffer in the account. Should the ATM ...
by Shallowpockets
Tue Apr 16, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Migrating to better weather in retirement -- rent a timeshare or buy a vacation home?
Replies: 21
Views: 1967

Re: Migrating to better weather in retirement -- rent a timeshare or buy a vacation home?

20 years ago, and 10 years before retirement, we decided to buy a winter home in Palm Desert, CA, in a golf course community. I thought it would be better to rent for five months each year, but DH wanted to own. Paid cash, under $250K. It costs about $10K per year in yard and house maintenance, tax...
by Shallowpockets
Tue Apr 16, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Received wrong vaccine...
Replies: 34
Views: 3027

Re: Vaccine consent form allegedly forged...

Your previous and recent post delineated most of this. Then it was locked. Why not call the doctors office or go there and discuss it if you want answers. We have no answers beyond what was suggested in the previous thread. It is now up to you to follow up on your own problem and taking those replie...
by Shallowpockets
Tue Apr 16, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: Travel Tips -- Santa Fe, Taos, etc.
Replies: 32
Views: 1391

Re: Travel Tips -- Santa Fe, Taos, etc.

For food in that area, if you are not familiar with NM SW food, you should try anything with green chile in it. Green chile is chile peppers, but is also green chile on a menu and it is a stew with pork and green chiles and you will like it. You may also run across green chile Apple pie. You should ...
by Shallowpockets
Tue Apr 16, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Scotland Golf Trip
Replies: 7
Views: 486

Re: Scotland Golf Trip

A windbreaker with a logo. Who would have thought? Now I feel I did the wrong thing from a recent Africa trip. I made a picture book when I could have just bought a t-shirt that said Kruger.
by Shallowpockets
Tue Apr 16, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Trip to Central Asia. Do you need a CC?
Replies: 44
Views: 2358

Re: Trip to Central Asia. Do you need a CC?

Thanks for all the great info :beer Trip is the end of July so he has plenty of time to study up. Will get him a CC for sure though. Since he is flying to a connection in Russia, looks like he will need a travel visa too. Does he have to go to an embassy to get this? No. he does not have time. That...
by Shallowpockets
Tue Apr 16, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: Scotland Golf Trip
Replies: 7
Views: 486

Re: Scotland Golf Trip

Make a photo book, the larger size, on Shutterfly, Costco, or other sites that do that. Lots of personalization on there and it is nice to have a hold in your hand book rather than looking at a computer. You can set up an account before you go and put some pictures in and try it out.
by Shallowpockets
Tue Apr 16, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 65
Views: 3821

Re: Newbie international traveler

I use a Scwab debit card. Reimbursed ATM fees. However, I am writing this to address security that many people have about their cards. I plan on the approximate amount I will need to withdraw in total per ATM during a trip. I only have about that amount plus a buffer in the account. Should the ATM c...
by Shallowpockets
Tue Apr 16, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Trip to Central Asia. Do you need a CC?
Replies: 44
Views: 2358

Re: Trip to Central Asia. Do you need a CC?

Most of the info given so far covers CC in most countries. Basic travel money methods. You should go on tripadvisor forums for these countries. There is a wealth of information there. Your son should be reading it too. Small tidbits may come in handy. Read up. Get a book. Basic planning and knowledg...
by Shallowpockets
Mon Apr 15, 2019 2:30 pm
Forum: Investing - Theory, News & General
Topic: Inputs for Monte Carlo Simulation
Replies: 2
Views: 234

Re: Inputs for Monte Carlo Simulation

Are you creating your own Monte Carlo? What's with that? May as well use one already there by some one like Fidelity. Then you plug in your own financial/assets numbers. You can also change inflation rates to your liking and set for poor, median, or good market performance, as well as other variable...
by Shallowpockets
Sun Apr 14, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Colorado Day Hike Suggestions - Updated
Replies: 24
Views: 1691

Re: Colorado Day Hike Suggestions - Updated

Congrats, Bacchus01. You came and did what you wanted. You did not falter. You go to the top. That's what counts. Your friends back home will never understand, but tell the tale anyway.
by Shallowpockets
Sat Apr 13, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap pricing and Medicare generally
Replies: 21
Views: 1220

Re: Medigap pricing and Medicare generally

Probably you should buy Medicare for Dummies. Study the Medicare governemt website. The sign up period you should start considering before you turn 65. Although it goes beyond that by a few months why would you wait until the last minute. These are important decisions. Also know that many times peop...
by Shallowpockets
Thu Apr 11, 2019 8:40 am
Forum: Personal Investments
Topic: Holding large unrealized gains in retirement
Replies: 3
Views: 535

Re: Holding large unrealized gains in retirement

You want a strategy to correct a lot of crazy taxation schemes that may not occur? Maybe you should realize some of your gains now in a manner that allows less taxation if possible in your situation.
Sounds like you are concerned about unsubstantiated rumors.
by Shallowpockets
Wed Apr 10, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: sort of deadbeat tenant
Replies: 23
Views: 2738

Re: sort of deadbeat tenant

Why not talk with him. No texts. Face to face. Seems it is ongoing for at least two months. You have already shifted the power base by letting it ride.
by Shallowpockets
Wed Apr 10, 2019 12:05 pm
Forum: Investing - Theory, News & General
Topic: Baby boomer vicious cycle crash
Replies: 63
Views: 5586

Re: Baby boomer vicious cycle crash

I don't think you have to worry about the stock market so much as politics. There is a record amount of money sitting on the sidelines now. That has to go back in at some point. Pension funds are way underfunded. That is a soft point that may involve politics. You are right to be concerned. However,...